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South Carolina Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(South Carolina defaults)

Total Annual Expenses$11,672

South Carolina Market Context

Avg Cap Rate

6%

Median Price

$381K

Property Tax

0.44%

Vacancy Rate

10.6%

Local Factors

  • -Highest rental vacancy rate in the nation at 10.6% — screen tenants carefully
  • -Charleston and Greenville are growth markets with strong job creation
  • -Very low property taxes for owner-occupied but investor properties taxed at higher assessment ratio

Sources

World Population Review – Median Home PriceFL Probate Law – Property Tax Rates (ACS Data)The Hartford – Insurance RatesiPropertyManagement – Vacancy Rates

Cash on Cash Return

-19.0%

Negative
Annual Cash Flow$-16,674
Monthly Cash Flow$-1,390
Total Cash Invested$87,630
Monthly Mortgage$2,028
NOI$7,660

Where Rent Goes

COC RETURN-19.0%
Cash Flow$0
Debt Service$24,334
Expenses$11,672

Cash Invested Breakdown

Down Payment$76,200
Closing Costs$11,430

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.

Keep running the numbers

One calculator rarely tells the whole story.

You know your South Carolina cash return. Now check if lenders agree with your deal.

Cap Rate

Calculate the capitalization rate to evaluate a property's potential return based on its net operating income.

Calculate

DSCR

Calculate the Debt Service Coverage Ratio to see if a property's rental income covers its loan payments.

Calculate

Mortgage

Calculate your monthly mortgage payment, total interest, and see a full cost breakdown.

Calculate

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