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California Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(California defaults)

Total Annual Expenses$19,734

California Market Context

Avg Cap Rate

4.2%

Median Price

$833K

Property Tax

0.69%

Vacancy Rate

4.8%

Local Factors

  • -Prop 13 caps property tax increases at 2% per year, benefiting long-term holders
  • -Strict rent control laws in major cities (LA, SF, Oakland) limit rent increases
  • -Wildfire risk is driving insurance costs up dramatically; some areas are becoming uninsurable

Sources

World Population Review – Median Home PriceFL Probate Law – Property Tax Rates (ACS Data)The Hartford – Insurance RatesiPropertyManagement – Vacancy Rates

Cash on Cash Return

-21.7%

Negative
Annual Cash Flow$-41,508
Monthly Cash Flow$-3,459
Total Cash Invested$191,590
Monthly Mortgage$4,434
NOI$11,694

Where Rent Goes

COC RETURN-21.7%
Cash Flow$0
Debt Service$53,203
Expenses$19,734

Cash Invested Breakdown

Down Payment$166,600
Closing Costs$24,990

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.

Keep running the numbers

One calculator rarely tells the whole story.

You know your California cash return. Now check if lenders agree with your deal.

Cap Rate

Calculate the capitalization rate to evaluate a property's potential return based on its net operating income.

Calculate

DSCR

Calculate the Debt Service Coverage Ratio to see if a property's rental income covers its loan payments.

Calculate

Mortgage

Calculate your monthly mortgage payment, total interest, and see a full cost breakdown.

Calculate

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