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Massachusetts Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Massachusetts defaults)

Total Annual Expenses$17,509

Massachusetts Market Context

Avg Cap Rate

4.5%

Median Price

$615K

Property Tax

0.95%

Vacancy Rate

3.2%

Local Factors

  • -Very low vacancy rates driven by Boston's education and biotech employment centers
  • -Strict tenant protection laws and potential rent stabilization efforts
  • -High barrier to entry but strong appreciation potential in eastern MA

Cash on Cash Return

-16.0%

Negative
Annual Cash Flow$-22,696
Monthly Cash Flow$-1,891
Total Cash Invested$141,450
Monthly Mortgage$3,273
NOI$16,583

Where Rent Goes

COC RETURN-16.0%
Cash Flow$0
Debt Service$39,279
Expenses$17,509

Cash Invested Breakdown

Down Payment$123,000
Closing Costs$18,450

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.