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Iowa Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Iowa defaults)

Total Annual Expenses$9,846

Iowa Market Context

Avg Cap Rate

7%

Median Price

$228K

Property Tax

1.25%

Vacancy Rate

8%

Local Factors

  • -High property taxes offset by very affordable home prices
  • -Severe weather (hail, tornadoes) drives above-average insurance costs
  • -University towns (Iowa City, Ames) provide reliable student rental demand

Cash on Cash Return

-18.5%

Negative
Annual Cash Flow$-9,696
Monthly Cash Flow$-808
Total Cash Invested$52,440
Monthly Mortgage$1,214
NOI$4,866

Where Rent Goes

COC RETURN-18.5%
Cash Flow$0
Debt Service$14,562
Expenses$9,846

Cash Invested Breakdown

Down Payment$45,600
Closing Costs$6,840

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.