Cash-on-Cash Return Calculator

Analyze leveraged returns for Canadian real estate investments. Calculate cash-on-cash returns and compare financing scenarios.

Property & Investment

Property Value

Down Payment

20.0% down payment

Closing Costs

Renovation Costs

Financing Details

Loan Amount

Auto-calculated: Property Value - Down Payment

Interest Rate (%)

Amortization (years)

Rental Income

Monthly Rent

Other Monthly Income

Vacancy Rate (%)

Annual Operating Expenses

Property Tax

Insurance

Maintenance & Repairs

Property Management

Utilities

Other Expenses

Cash-on-Cash Return

Annual Return on Cash Invested

1.72%

Poor

Formula:Annual Cash Flow ÷ Cash Invested

Calculation:$2201 ÷ $128,000

Investment Summary

Total Cash Invested$128000

Monthly Mortgage Payment$2930

Monthly Net Cash Flow$183

Annual Cash Flow$2201

Additional Metrics

Cap Rate6.23%

Debt Service Coverage Ratio1.06x

Loan-to-Value Ratio80.0%

Gross Rent Multiplier11.4x

📊 Performance Breakdown

Gross Annual Income$52800

Vacancy Loss (5%)-$2640

Effective Gross Income$50160

Operating Expenses-$12800

Net Operating Income$37360

Annual Debt Service-$35159

Annual Cash Flow$2201

💡 Cash-on-Cash Benchmarks

• 12%+ ExcellentStrong leveraged returns

• 8-12% GoodSolid investment performance

• 5-8% FairMarket average

• <5% PoorConsider alternatives

DSCR: >1.25 is preferred by lenders. >1.5 is excellent coverage.