{"uid":"cap_cRoaa9SacNwdQ7YIMpliF","slug":"cash-on-cash-return-calculator-for-real-estate-b91252c0","name":"Cash-on-Cash Return Calculator for Real Estate","description":"Cash-on-cash return calculator for real estate investing. Runs a full multi-year deal analysis (per-category rent/expense growth, a sale scenario, IRR) and headlines the first-year cash-on-cash return: operating cash flow divided by invested cash.","url":"https://x402.outpimp.com/cashOnCashReturnCalculator","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"salePrice":{"type":"number","description":"Expected sale price at the end of the holding period."},"monthlyHOA":{"type":"number","default":0,"description":"Monthly HOA fee. Default 0."},"rehabCosts":{"type":"number","default":0,"description":"Upfront rehab/improvement costs. Default 0."},"monthlyRent":{"type":"number","description":"Total monthly rent collected, before vacancy/management fee."},"vacancyRate":{"type":"number","default":0.08,"description":"Expected vacancy rate, as a fraction (0-1). Default 0.08."},"closingCosts":{"type":"number","default":0,"description":"Closing costs. Default 0."},"interestRate":{"type":"number","description":"Annual mortgage interest rate, as a fraction. Ignored if downPaymentPercent is 1."},"loanTermYears":{"type":"number","description":"Loan term in years (1-50). Ignored if downPaymentPercent is 1."},"purchasePrice":{"type":"number","description":"Property purchase price."},"annualInsurance":{"type":"number","description":"Annual landlord insurance in the first year."},"saleExpensesRate":{"type":"number","default":0.09,"description":"Sale costs (agent commission, closing costs, etc.), as a fraction of sale price (0-1). Default 0.09."},"annualMaintenance":{"type":"number","description":"Annual maintenance budget in the first year."},"hoaAnnualIncrease":{"type":"number","default":0.03,"description":"Annual HOA fee growth rate, as a fraction. Default 0.03."},"downPaymentPercent":{"type":"number","description":"Down payment as a fraction of purchase price (0-1). Use 1 for an all-cash purchase."},"holdingLengthYears":{"type":"number","description":"Number of years you plan to hold the property before selling (1-50)."},"rentAnnualIncrease":{"type":"number","default":0.03,"description":"Annual rent growth rate, as a fraction. Default 0.03."},"annualPropertyTaxes":{"type":"number","description":"Annual property taxes in the first year."},"otherAnnualExpenses":{"type":"number","default":0,"description":"Other annual operating expenses in the first year. Default 0."},"otherAnnualIncrease":{"type":"number","default":0.03,"description":"Annual growth rate for other expenses, as a fraction. Default 0.03."},"taxesAnnualIncrease":{"type":"number","default":0.03,"description":"Annual property tax growth rate, as a fraction. Default 0.03."},"insuranceAnnualIncrease":{"type":"number","default":0.03,"description":"Annual insurance growth rate, as a fraction. Default 0.03."},"maintenanceAnnualIncrease":{"type":"number","default":0.03,"description":"Annual maintenance cost growth rate, as a fraction. Default 0.03."},"propertyManagementFeeRate":{"type":"number","default":0.1,"description":"Property management fee, as a fraction of gross rent (0-1). Default 0.10."}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_o_hbZ_mZfS2JiKp5_QeiN","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Runs a full multi-year real estate deal analysis including per-category rent/expense growth, sale scenario, and IRR, returning the first-year cash-on-cash return (operating cash flow divided by invested cash).","exampleAgentPrompt":"Run a full rental property deal analysis on a $350,000 house I'm buying with 20% down at a 7.25% interest rate on a 30-year mortgage — monthly rent is $2,200, vacancy rate 8%, annual taxes $4,800, insurance $1,200, maintenance $2,000, no HOA, I plan to hold it for 5 years and sell for $420,000, with 3% annual rent growth. What's my cash-on-cash return and IRR?","exampleUseCases":[{"title":"First rental property deal analysis","prompt":"I'm about to buy my first rental property for $275,000 with 25% down at 7% interest on a 30-year loan. Monthly rent would be $1,800, vacancy at 8%, taxes $3,600/year, insurance $900/year, maintenance $1,500/year, and I plan to sell after 7 years for $340,000. Can you calculate my cash-on-cash return and projected IRR?"},{"title":"All-cash purchase vs financed comparison","prompt":"I'm considering buying a $500,000 rental property with all cash — monthly rent $3,200, vacancy 8%, annual taxes $7,000, insurance $1,800, maintenance $3,500, HOA $150/month, hold for 10 years then sell for $650,000 with 3% annual rent growth. What's my cash-on-cash return?"},{"title":"Fix-and-rent deal with rehab costs","prompt":"Help me analyze this fix-and-rent deal: $220,000 purchase price, $30,000 in rehab costs, 15% down at 7.5% on a 30-year mortgage, monthly rent $1,600 after rehab, 8% vacancy, taxes $2,800/year, insurance $800/year, maintenance $1,200/year, sell in 5 years for $290,000. Give me the cash-on-cash return and full deal analysis."}],"resultDescription":"Returns the first-year cash-on-cash return (operating cash flow / invested cash), along with a full multi-year projection broken down by year including rent income, vacancy loss, operating expenses (with per-category growth), mortgage debt service, net cash flow, and a sale scenario at the end of the holding period showing net sale proceeds, total cash flows, and IRR.","failureModes":["Missing required fields (purchasePrice, monthlyRent, downPaymentPercent, interestRate, loanTermYears, holdingLengthYears) cause validation errors","Interest rate or down payment outside valid range (0-1 fraction) may produce nonsensical results","holdingLengthYears or loanTermYears outside 1-50 range may be rejected","Negative expense inputs may yield incorrect cash flow projections","Sale price lower than purchase price with no rent growth can produce negative IRR without error"],"whenToPreferThis":"Use this endpoint when you need a comprehensive multi-year real estate investment analysis — not just a quick cap rate estimate. It is ideal when the user has specific financing details (down payment, interest rate, loan term), annual expense estimates, a planned holding period, and an expected exit sale price. Prefer this over simpler cap rate or GRM tools when IRR and year-by-year cash flow projections are needed.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:44:36.136Z","isFirstParty":false}