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Hawaii Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Hawaii defaults)

Total Annual Expenses$20,086

Hawaii Market Context

Avg Cap Rate

4%

Median Price

$743K

Property Tax

0.31%

Vacancy Rate

7.4%

Local Factors

  • -Lowest property tax rate in the nation at 0.31%
  • -Extremely limited land supply drives high prices and low cap rates
  • -Short-term vacation rental regulations vary by island and can significantly impact returns

Cash on Cash Return

-21.6%

Negative
Annual Cash Flow$-36,844
Monthly Cash Flow$-3,070
Total Cash Invested$170,890
Monthly Mortgage$3,955
NOI$10,610

Where Rent Goes

COC RETURN-21.6%
Cash Flow$0
Debt Service$47,455
Expenses$20,086

Cash Invested Breakdown

Down Payment$148,600
Closing Costs$22,290

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.