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Kentucky Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Kentucky defaults)

Total Annual Expenses$10,531

Kentucky Market Context

Avg Cap Rate

6.8%

Median Price

$263K

Property Tax

0.72%

Vacancy Rate

6.9%

Local Factors

  • -Louisville and Lexington are the primary rental markets with steady demand
  • -High insurance costs relative to home values due to storm exposure
  • -Affordable entry prices with moderate cash flow potential

Cash on Cash Return

-19.0%

Negative
Annual Cash Flow$-11,464
Monthly Cash Flow$-955
Total Cash Invested$60,490
Monthly Mortgage$1,400
NOI$5,333

Where Rent Goes

COC RETURN-19.0%
Cash Flow$0
Debt Service$16,798
Expenses$10,531

Cash Invested Breakdown

Down Payment$52,600
Closing Costs$7,890

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.