Calculate cap rate, cash-on-cash return, and monthly cash flow on a rental property.
Cap rate ignores financing — it tells you what the property yields debt-free. Cash-on-cash shows what your invested down payment actually earns, after mortgage. Use both.
Monthly rent ≥ 1% of purchase price is a rough filter for cash-flow markets. Hard to hit in high-cost cities — more realistic in the Midwest and South.
6–8% in stable markets; 10%+ in higher-risk neighborhoods. Single-digit cap rates in coastal cities bank on appreciation instead of yield.
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