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Calculadora Cash-on-Cash Multifamiliar
Evalúe flujo de caja neto anual frente al equity total invertido—para edificios comerciales, no flips residenciales.
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Cash-on-Cash
Enter your deal
Cash invested
DSCR min: 20–25%
Typical: 2–3%
Optional
Income & expenses
Typical: 5–8%
P&I + tax + ins + HOA
Mgmt, maintenance, capex
Results
Cash-on-Cash Return
8–12% — strong
Strong cash-on-cash. Deal beats most passive alternatives. Look to scale.
- Cash invested
- Down payment
- $62,500
- Closing costs
- $5,000
- Total cash in
- $67,500
- Annual cash flow
- Gross rent
- $30,000
- Less vacancy
- ($1,500)
- Less other opex
- ($4,275)
- Less annual PITIA
- ($18,000)
- Net annual cash flow
- $6,225
- Monthly cash flow
- $519
Cash-on-Cash = Annual Net Cash Flow ÷ Total Cash Invested. Unlike cap rate, CoC accounts for financing. It measures what your actual out-of-pocket dollars earn each year — the investor's return metric.
Cash-on-cash return tiers
| CoC range | Rating | Context |
|---|---|---|
| < 5% | Weak | Doesn't justify illiquidity; better passive options exist |
| 5–8% | Acceptable | Works in appreciation markets; modest cash flow |
| 8–12% | Strong | Beats most passive alternatives; good DSCR territory |
| 12%+ | Excellent | Verify assumptions; achievable in strong cash-flow markets |
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Cómo calcular cash-on-cash
Cash-on-Cash = Flujo anual después de deuda ÷ Efectivo total invertido
Ejemplo: adquisición de 24 unidades con 35% equity
Precio $3.6M; equity $1.35M; flujo anual $162,000 → 12.0% cash-on-cash.