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Alabama Cash on Cash Return Calculator

Cash on cash return measures annual cash flow ÷ total cash invested. Pre-filled with Alabama market data including property tax, insurance, vacancy rates, and management fees.

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Property & Financing

Rental Income

Operating Expenses(Alabama defaults)

Total Annual Expenses$9,667

Alabama Market Context

Avg Cap Rate

7.2%

Median Price

$281K

Property Tax

0.37%

Vacancy Rate

10.1%

Local Factors

  • -Very low property tax rates among the lowest in the nation
  • -Gulf Coast areas carry hurricane and flood insurance surcharges
  • -Strong rental demand in Birmingham and Huntsville metro areas

Cash on Cash Return

-18.3%

Negative
Annual Cash Flow$-11,834
Monthly Cash Flow$-986
Total Cash Invested$64,630
Monthly Mortgage$1,496
NOI$6,113

Where Rent Goes

COC RETURN-18.3%
Cash Flow$0
Debt Service$17,947
Expenses$9,667

Cash Invested Breakdown

Down Payment$56,200
Closing Costs$8,430

What does this mean?

Negative cash on cash means you're losing money each month. The property's rental income doesn't cover your expenses and mortgage. Consider renegotiating the price, increasing rents, or walking away.