Cash-on-cash estimator

Free tool — no sign-up required

Input your purchase details, financing terms, and monthly income and expenses to calculate cash-on-cash return, DSCR, and cap rate.

Capital invested

Purchase price ($)

Used for cap rate calculation.

Down payment ($)

Closing costs ($)

Initial repairs ($)

Monthly income & expenses

Gross rent ($)

Mortgage P&I ($)

Principal + interest only.

Property tax ($/yr)

Annual — divided by 12 internally.

Insurance ($/yr)

Annual — divided by 12 internally.

HOA ($/mo)

Maintenance reserve ($/mo)

Vacancy reserve ($/mo)

Typically 5–8% of gross rent.

Enter down payment and gross rent above to see your cash flow estimate.

Want to model multiple properties and compare them side by side?