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Montana Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Montana defaults)

Total Annual Expenses$15,067

Montana Market Context

Avg Cap Rate

5%

Median Price

$523K

Property Tax

0.59%

Vacancy Rate

4.2%

Local Factors

  • -Bozeman and Missoula saw massive price appreciation from remote worker migration
  • -No state sales tax but property values have risen sharply
  • -Seasonal tourism in resort areas creates short-term rental opportunities

Cash on Cash Return

-23.3%

Negative
Annual Cash Flow$-27,998
Monthly Cash Flow$-2,333
Total Cash Invested$120,290
Monthly Mortgage$2,784
NOI$5,405

Where Rent Goes

COC RETURN-23.3%
Cash Flow$0
Debt Service$33,404
Expenses$15,067

Cash Invested Breakdown

Down Payment$104,600
Closing Costs$15,690

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.