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Oregon Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Oregon defaults)

Total Annual Expenses$13,156

Oregon Market Context

Avg Cap Rate

4.8%

Median Price

$505K

Property Tax

0.79%

Vacancy Rate

6.7%

Local Factors

  • -Statewide rent control (SB 608) limits annual increases to 7% plus CPI
  • -No sales tax but higher income taxes affect overall cost of living
  • -Portland metro has strong tech employment but faces urban policy challenges

Cash on Cash Return

-21.2%

Negative
Annual Cash Flow$-24,674
Monthly Cash Flow$-2,056
Total Cash Invested$116,150
Monthly Mortgage$2,688
NOI$7,580

Where Rent Goes

COC RETURN-21.2%
Cash Flow$0
Debt Service$32,254
Expenses$13,156

Cash Invested Breakdown

Down Payment$101,000
Closing Costs$15,150

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.