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Cash on Cash Return, 2% to 20%, in Real Numbers

A percentage is abstract until you see the rent behind it. This table shows what a $250,000 rental has to bring in to hit each return level with 25% down at 7.25%. Pick a level for the full breakdown.

$250,000 property, $70,000 cash invested (25% down plus 3% closing), 7.25% 30-year loan, 5% vacancy, taxes 1.2% and insurance 0.5% of price, 18% of collected rent for maintenance, reserves and management.
ReturnAnnual cash flowRent neededRating
2% $1,400 $2,245 Weak
3% $2,100 $2,320 Weak
4% $2,800 $2,395 Fair
5% $3,500 $2,470 Fair
6% $4,200 $2,545 Fair
7% $4,900 $2,620 Fair
8% $5,600 $2,695 Good
9% $6,300 $2,770 Good
10% $7,000 $2,845 Good
12% $8,400 $2,995 Excellent
15% $10,500 $3,220 Excellent
20% $14,000 $3,595 Excellent

Run your own deal in the cash on cash return calculator, or see how the return moves with price on the purchase price pages.