#rental-property-calculator-wrapper .calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
margin-bottom: 25px;
}
#rental-property-calculator-wrapper .input-group {
margin-bottom: 15px;
}
#rental-property-calculator-wrapper label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
font-size: 14px;
}
#rental-property-calculator-wrapper input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
#rental-property-calculator-wrapper input:focus {
border-color: #2c3e50;
outline: none;
}
#rental-property-calculator-wrapper .calc-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
width: 100%;
transition: background 0.3s;
}
#rental-property-calculator-wrapper .calc-btn:hover {
background-color: #219150;
}
#rental-property-calculator-wrapper .results-section {
background-color: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 6px;
padding: 20px;
margin-top: 25px;
display: none;
}
#rental-property-calculator-wrapper .result-row {
display: flex;
justify-content: space-between;
padding: 10px 0;
border-bottom: 1px solid #e0e0e0;
}
#rental-property-calculator-wrapper .result-row:last-child {
border-bottom: none;
}
#rental-property-calculator-wrapper .result-label {
color: #555;
font-weight: 500;
}
#rental-property-calculator-wrapper .result-value {
font-weight: 700;
color: #2c3e50;
}
#rental-property-calculator-wrapper .highlight-result {
color: #27ae60;
font-size: 1.2em;
}
#rental-property-calculator-wrapper .error-msg {
color: #e74c3c;
text-align: center;
margin-top: 10px;
display: none;
}
/* Article Styling */
.seo-content {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.seo-content h2 {
color: #2c3e50;
border-bottom: 2px solid #27ae60;
padding-bottom: 10px;
margin-top: 30px;
}
.seo-content h3 {
color: #2c3e50;
margin-top: 25px;
}
.seo-content ul {
padding-left: 20px;
}
.seo-content li {
margin-bottom: 10px;
}
@media (max-width: 600px) {
#rental-property-calculator-wrapper .calc-grid {
grid-template-columns: 1fr;
}
}
function calculateRentalROI() {
// Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value);
var downPayment = parseFloat(document.getElementById('downPayment').value);
var closingCosts = parseFloat(document.getElementById('closingCosts').value);
var rehabCosts = parseFloat(document.getElementById('repairCosts').value);
var interestRate = parseFloat(document.getElementById('interestRate').value);
var loanTermYears = parseFloat(document.getElementById('loanTerm').value);
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value);
var monthlyExpenses = parseFloat(document.getElementById('monthlyExpenses').value);
// Validation
if (isNaN(price) || isNaN(downPayment) || isNaN(closingCosts) ||
isNaN(rehabCosts) || isNaN(interestRate) || isNaN(loanTermYears) ||
isNaN(monthlyRent) || isNaN(monthlyExpenses)) {
document.getElementById('errorDisplay').style.display = 'block';
document.getElementById('resultsArea').style.display = 'none';
return;
} else {
document.getElementById('errorDisplay').style.display = 'none';
}
// Calculations
// 1. Total Cash Invested
var totalInvested = downPayment + closingCosts + rehabCosts;
// 2. Loan Details
var loanAmount = price – downPayment;
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTermYears * 12;
// Mortgage Payment Formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]
var monthlyMortgage = 0;
if (loanAmount > 0) {
if (interestRate === 0) {
monthlyMortgage = loanAmount / numberOfPayments;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
}
// 3. Cash Flow
var totalMonthlyOutflow = monthlyExpenses + monthlyMortgage;
var monthlyCashFlow = monthlyRent – totalMonthlyOutflow;
var annualCashFlow = monthlyCashFlow * 12;
// 4. CoC Return
var cocReturn = 0;
if (totalInvested > 0) {
cocReturn = (annualCashFlow / totalInvested) * 100;
}
// 5. Cap Rate = (Net Operating Income / Current Market Value)
// NOI = Annual Rent – Annual Operating Expenses (Excluding Mortgage)
var annualNOI = (monthlyRent – monthlyExpenses) * 12;
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// Formatting Output helper
function formatMoney(num) {
return '$' + num.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
function formatPercent(num) {
return num.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}) + '%';
}
// Display Results
document.getElementById('resTotalInvested').innerText = formatMoney(totalInvested);
document.getElementById('resMortgage').innerText = formatMoney(monthlyMortgage);
document.getElementById('resMonthlyCashFlow').innerText = formatMoney(monthlyCashFlow);
// Color code cash flow
document.getElementById('resMonthlyCashFlow').style.color = monthlyCashFlow >= 0 ? '#27ae60' : '#e74c3c';
document.getElementById('resAnnualCashFlow').innerText = formatMoney(annualCashFlow);
document.getElementById('resAnnualCashFlow').style.color = annualCashFlow >= 0 ? '#27ae60' : '#e74c3c';
document.getElementById('resCoC').innerText = formatPercent(cocReturn);
document.getElementById('resCoC').style.color = cocReturn >= 0 ? '#27ae60' : '#e74c3c';
document.getElementById('resCapRate').innerText = formatPercent(capRate);
// Show results div
document.getElementById('resultsArea').style.display = 'block';
}
Rental Property Cash on Cash Return Calculator
Acquisition Details
Financing & Income
Please enter valid positive numbers in all fields.
Financial Analysis
Total Cash Invested (Initial Outlay):
$0.00
Monthly Mortgage Payment (P&I):
$0.00
Monthly Cash Flow:
$0.00
Annual Cash Flow:
$0.00
Cap Rate:
0.00%
Cash on Cash Return (CoC):
0.00%
Understanding Cash on Cash Return in Real Estate
Whether you are a seasoned real estate investor or purchasing your first rental property, analyzing the financial performance of your asset is crucial. The Cash on Cash Return (CoC) is one of the most popular metrics used to evaluate the potential profitability of a real estate investment. Unlike simple ROI, CoC measures the annual return the investor made on the property in relation to the amount of mortgage paid during the same year.
Why Use a Cash on Cash Return Calculator?
Real estate investments often involve leverage (mortgages). A standard Return on Investment (ROI) calculation might look at the total value of the home, but Cash on Cash focuses strictly on the actual cash you invested out-of-pocket. This includes your down payment, closing costs, and initial repair costs.
Using this calculator helps you answer the critical question: "For every dollar I put into this deal, how much cash am I getting back this year?"
Key Inputs Explained
- Purchase Price: The agreed-upon selling price of the property.
- Down Payment: The cash amount paid upfront to secure the mortgage.
- Repairs/Renovation: Immediate costs to get the property rent-ready. These are considered part of your initial investment.
- Operating Expenses: These include property taxes, landlord insurance, HOA fees, maintenance reserves, property management fees, and vacancy allowances.
How is Cash on Cash Return Calculated?
The formula used in this calculator is:
CoC Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100
Where Annual Cash Flow is your Gross Rent minus all expenses (Operating Expenses + Mortgage Payments), and Total Cash Invested is the sum of your Down Payment, Closing Costs, and Rehab Costs.
What is a Good Cash on Cash Return?
While "good" is subjective and depends on the local market and risk profile, many investors aim for a CoC return between 8% and 12%. In highly competitive markets, 5-7% might be acceptable if there is high appreciation potential, whereas risky markets might demand 15% or higher.