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Arizona Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Arizona defaults)

Total Annual Expenses$11,993

Arizona Market Context

Avg Cap Rate

5.5%

Median Price

$455K

Property Tax

0.43%

Vacancy Rate

8.8%

Local Factors

  • -Phoenix metro is a major Sun Belt migration destination with strong population growth
  • -Rising insurance costs due to monsoon and wildfire risk
  • -New construction supply in Phoenix suburbs may moderate rent growth

Cash on Cash Return

-21.3%

Negative
Annual Cash Flow$-22,310
Monthly Cash Flow$-1,859
Total Cash Invested$104,650
Monthly Mortgage$2,422
NOI$6,751

Where Rent Goes

COC RETURN-21.3%
Cash Flow$0
Debt Service$29,060
Expenses$11,993

Cash Invested Breakdown

Down Payment$91,000
Closing Costs$13,650

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.