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Maryland Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Maryland defaults)

Total Annual Expenses$12,607

Maryland Market Context

Avg Cap Rate

5.5%

Median Price

$415K

Property Tax

0.9%

Vacancy Rate

5.7%

Local Factors

  • -Proximity to DC provides strong government and defense contractor rental demand
  • -Baltimore offers affordable investment opportunities but with higher management intensity
  • -Tenant-friendly laws require careful lease structuring

Cash on Cash Return

-17.4%

Negative
Annual Cash Flow$-16,649
Monthly Cash Flow$-1,387
Total Cash Invested$95,450
Monthly Mortgage$2,209
NOI$9,857

Where Rent Goes

COC RETURN-17.4%
Cash Flow$0
Debt Service$26,506
Expenses$12,607

Cash Invested Breakdown

Down Payment$83,000
Closing Costs$12,450

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.