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Minnesota Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Minnesota defaults)

Total Annual Expenses$13,192

Minnesota Market Context

Avg Cap Rate

5.8%

Median Price

$354K

Property Tax

0.99%

Vacancy Rate

5.4%

Local Factors

  • -Minneapolis-St. Paul has strong corporate employment base (Fortune 500 HQs)
  • -Rent stabilization ordinance in St. Paul (passed 2021) affects investor returns
  • -Cold climate increases heating and winter maintenance costs

Cash on Cash Return

-19.9%

Negative
Annual Cash Flow$-16,170
Monthly Cash Flow$-1,347
Total Cash Invested$81,420
Monthly Mortgage$1,884
NOI$6,440

Where Rent Goes

COC RETURN-19.9%
Cash Flow$0
Debt Service$22,610
Expenses$13,192

Cash Invested Breakdown

Down Payment$70,800
Closing Costs$10,620

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.