Calculators
Cap rate tells you about the property. This tells you about your actual return on the money you put in — the number that actually matters once financing is on the table.
12.96%
Cash-on-cash return
$50,888
Annual debt service
$27,862
Pre-tax cash flow
$215,000
Cash invested
These calculators provide estimates for educational purposes only — they are not an appraisal, a loan quote, or tax advice. Real underwriting, valuation, and 1031 exchange outcomes depend on your specific deal, lender, and a qualified intermediary/CPA — treat these as a starting point for a conversation, not a final number.
Want a real read on a specific deal? Talk to me directly.
Frequently Asked
Cap rate ignores financing entirely — cash-on-cash is your actual return on the cash you put in, after the mortgage payment comes out. Two properties with the same cap rate can have very different cash-on-cash returns depending on how they're financed.
No — it's a pure cash-flow return metric for the current year. Appreciation and eventual sale proceeds are a separate part of total return, not reflected here.