房产投资真实回报测算：现金回报率计算器
别只看房价涨跌，用这个工具算算你的房子是资产还是负债，能否跑赢银行理财。
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使用我们免费的在线工具计算现金回报率。获取即时结果以及有助于更好理解的有用解释和提示。
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现金回报率计算器
使用我们免费的在线工具计算现金回报率。获取即时结果以及有助于更好理解的有用解释和提示。
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什么是 Cash on Cash Return?
Cash on Cash Return 是一个 rate of return ratio that calculates the total cash earned on the total cash invested in a property. It is widely used in real estate investing to measure the performance of an investment.
如何使用
输入您的 annual pre-tax cash flow and the total cash you actually invested (down payment, closing costs, rehab costs). The 计算器 will show your percentage return.
常见问题
What is Cash on Cash Return?
Cash on Cash Return (CoC) is a metric used in real estate to calculate the cash income earned on the cash invested in a property. It measures the annual return made on the property relative to the amount of mortgage paid during the same year.
How is Cash on Cash Return calculated?
The formula is: (Annual Pre-Tax Cash Flow / Total Cash Invested) x 100. Annual Pre-Tax Cash Flow is Net Operating Income (NOI) minus debt service (mortgage payments). Total Cash Invested includes down payment, closing costs, and renovation expenses.
What is considered a 'good' Cash on Cash Return?
While 'good' varies by market and risk tolerance, generally, a return between 8% to 12% is considered solid for rental properties. Investors seeking higher risk/reward might look for 15% or higher.
What is the difference between Cash on Cash Return and ROI?
ROI (Return on Investment) typically accounts for the total profit over the entire lifespan of the investment, including appreciation and equity paydown. Cash on Cash Return strictly measures the immediate cash flow relative to the actual cash invested in a specific year.
What expenses should I include in Operating Expenses?
You should include all costs necessary to maintain and operate the property, excluding mortgage principal and interest. Common expenses include property taxes, insurance, maintenance, vacancy allowance, property management fees, and utilities (if paid by the owner).
Does Cash on Cash Return account for property appreciation?
No. Cash on Cash Return only looks at the cash flow generated by the property (rent minus expenses). It does not include potential profit from selling the property at a higher price in the future (appreciation) or the reduction of the loan balance (principal paydown).
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