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Texas Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Texas defaults)

Total Annual Expenses$14,658

Texas Market Context

Avg Cap Rate

5.8%

Median Price

$338K

Property Tax

1.25%

Vacancy Rate

9.2%

Local Factors

  • -No state income tax but very high property taxes and insurance eat into cash flow
  • -Massive new construction in Dallas, Houston, Austin, and San Antonio is increasing vacancy
  • -Population growth remains strong but rent growth has stalled in oversupplied metros

Sources

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

Cash on Cash Return

-24.4%

Negative
Annual Cash Flow$-18,989
Monthly Cash Flow$-1,582
Total Cash Invested$77,740
Monthly Mortgage$1,799
NOI$2,598

Where Rent Goes

COC RETURN-24.4%
Cash Flow$0
Debt Service$21,588
Expenses$14,658

Cash Invested Breakdown

Down Payment$67,600
Closing Costs$10,140

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 Texas 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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