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Vermont Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(Vermont defaults)

Total Annual Expenses$13,089

Vermont Market Context

Avg Cap Rate

5.5%

Median Price

$388K

Property Tax

1.4%

Vacancy Rate

3.7%

Local Factors

  • -Lowest homeowners insurance costs in the nation
  • -Very tight rental market with limited new construction
  • -High property taxes and cold climate increase total holding costs

Cash on Cash Return

-21.6%

Negative
Annual Cash Flow$-19,319
Monthly Cash Flow$-1,610
Total Cash Invested$89,240
Monthly Mortgage$2,065
NOI$5,463

Where Rent Goes

COC RETURN-21.6%
Cash Flow$0
Debt Service$24,781
Expenses$13,089

Cash Invested Breakdown

Down Payment$77,600
Closing Costs$11,640

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.