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Investment Property ROI Calculator — Cap Rate, Cash-on-Cash & More
Analyze any rental property investment with key metrics: cap rate, cash-on-cash return, gross rent multiplier, NOI, and total ROI including appreciation.
Taxes, insurance, maintenance, mgmt
Investment Analysis
-0.83%
Cash-on-Cash Return
6.55%
Cap Rate
$22,912
Annual NOI
-$582
Annual Cash Flow
10.4x
Gross Rent Multiplier
$1,958/mo
Mortgage Payment
14.17%
Total ROI (w/ appreciation)
This property has a 6.55% cap rate and -0.83% cash-on-cash return. Cap rate above 6% is generally considered a solid investment.
Analysis & insights
Your investment property produces -0.8% cash-on-cash return (-$582/year cash flow) with 6.5% cap rate. Total estimated ROI including appreciation + principal paydown: 14.2%. That beats the long-term S&P 500 average — solid investment.
Above-market return
Total return exceeds long-term S&P 500 average. Worth the work of being a landlord.
Risk & benchmark gauge
Current band
Above-market
14.2% total ROI
Industry benchmarks
- Cash-on-cash return-0.8%
- Cap rate6.5%
- Total ROI (incl. equity)14.2%
- NOI$22,912/yr
- Cash flow-$582/yr
- Typical investor target8-12% cash-on-cash
- S&P 500 long-term~10%
Key insights
Cash-on-cash is what hits the bank
Cap rate is the unlevered yield (as if all cash). Cash-on-cash includes your financing. Total ROI includes the wealth you BUILD that you don't see monthly.
Underwrite conservatively
Most rookie estimates omit: 5-10% vacancy reserve, 1% of property value/yr capex, 8-10% property management. Add them and many "great deals" become marginal.
Recommended actions(4)
Build a 6-month PITI + 1% capex reserve
High priorityOne bad month or a $10K HVAC failure shouldn't force-sell the property at the wrong time.
Impact: Cash flow is meaningless without reserves to absorb surprises.
Identify 3 specific upside levers
High priorityBelow 8% cash-on-cash works only if you have a clear path to 10%+ via rent increases, expense cuts, or refinance opportunities.
Verify rent comps in the same submarket
Medium priorityOptimistic listing rents != actual achieved rents. Use Rentometer + Zillow rent estimates from PMs in the area.
Find the Best Mortgage Rate
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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.