Your annual cash flow ÷ the actual cash you put in. The return that matters once there's a loan.
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Cash-on-cash return is your annual pre-tax cash flow divided by the total cash you put into the deal — down payment, rehab and closing costs. Unlike cap rate, it accounts for your financing, so it reflects what your own money actually earns. Lenders and partners care about it because it answers a simple question: for every dollar you invested, how many cents come back each year? Read the BRRRR guide →
DLS InvestTrack puts these calculators, kill flags, and a stress test in one place.