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Cash-on-Cash Return worksheet

Grade 7 · CCSS 7.RP.A.3

Solve each problem and show your work. Round answers to 2 decimal places where needed.

1.
Problem 1.
- Down payment: $55,000
- Closing costs: $7,000
- Repairs and other upfront cash: $4,500
- Annual rental income collected: $27,000
- Annual operating expenses: $10,000
- Monthly loan payment: $900
Find: Cash-on-cash return
Answer
2.
Problem 2.
- Down payment: $64,000
- Closing costs: $7,200
- Repairs and other upfront cash: $4,500
- Annual rental income collected: $32,000
- Annual operating expenses: $9,000
- Monthly loan payment: $1,060
Find: Cash-on-cash return
Answer
3.
Problem 3.
- Down payment: $65,000
- Closing costs: $6,000
- Repairs and other upfront cash: $5,500
- Annual rental income collected: $42,000
- Annual operating expenses: $14,500
- Monthly loan payment: $1,500
Find: Cash-on-cash return
Answer
4.
Problem 4.
- Down payment: $74,000
- Closing costs: $4,750
- Repairs and other upfront cash: $4,400
- Annual rental income collected: $42,000
- Annual operating expenses: $12,000
- Monthly loan payment: $1,325
Find: Cash-on-cash return
Answer
5.
Problem 5.
- Down payment: $40,000
- Closing costs: $5,500
- Repairs and other upfront cash: $3,750
- Annual rental income collected: $40,000
- Annual operating expenses: $11,000
- Monthly loan payment: $1,200
Find: Cash-on-cash return
Answer
6.
Problem 6.
- Down payment: $68,000
- Closing costs: $5,250
- Repairs and other upfront cash: $5,000
- Annual rental income collected: $36,000
- Annual operating expenses: $9,000
- Monthly loan payment: $1,275
Find: Cash-on-cash return
Answer
7.
Problem 7.
- Down payment: $54,000
- Closing costs: $5,500
- Repairs and other upfront cash: $4,250
- Annual rental income collected: $37,500
- Annual operating expenses: $10,000
- Monthly loan payment: $1,000
Find: Cash-on-cash return
Answer
8.
Problem 8.
- Down payment: $55,000
- Closing costs: $6,000
- Repairs and other upfront cash: $3,000
- Annual rental income collected: $32,500
- Annual operating expenses: $13,250
- Monthly loan payment: $1,060
Find: Cash-on-cash return
Answer
9.
Problem 9.
- Down payment: $65,000
- Closing costs: $7,300
- Repairs and other upfront cash: $3,750
- Annual rental income collected: $38,000
- Annual operating expenses: $14,000
- Monthly loan payment: $1,000
Find: Cash-on-cash return
Answer
10.
Problem 10.
- Down payment: $58,000
- Closing costs: $4,000
- Repairs and other upfront cash: $5,000
- Annual rental income collected: $40,000
- Annual operating expenses: $12,000
- Monthly loan payment: $900
Find: Cash-on-cash return
Answer

Answer key: Cash-on-Cash Return worksheet

1. Cash-on-cash return: 9.32%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$55,000.00 + $7,000.00 + $4,500.00$ $= $66,500.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$900.00 \times 12$ $= $10,800.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$27,000.00 - $10,000.00 - $10,800.00$ $= $6,200.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$6,200.00}{$66,500.00}$ $= 0.09323308$ $= 9.3233%$
2. Cash-on-cash return: 13.58%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$64,000.00 + $7,200.00 + $4,500.00$ $= $75,700.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,060.00 \times 12$ $= $12,720.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$32,000.00 - $9,000.00 - $12,720.00$ $= $10,280.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$10,280.00}{$75,700.00}$ $= 0.13579921$ $= 13.5799%$
3. Cash-on-cash return: 12.42%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$65,000.00 + $6,000.00 + $5,500.00$ $= $76,500.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,500.00 \times 12$ $= $18,000.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$42,000.00 - $14,500.00 - $18,000.00$ $= $9,500.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$9,500.00}{$76,500.00}$ $= 0.12418301$ $= 12.4183%$
4. Cash-on-cash return: 16.96%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$74,000.00 + $4,750.00 + $4,400.00$ $= $83,150.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,325.00 \times 12$ $= $15,900.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$42,000.00 - $12,000.00 - $15,900.00$ $= $14,100.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$14,100.00}{$83,150.00}$ $= 0.16957306$ $= 16.9573%$
5. Cash-on-cash return: 29.64%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$40,000.00 + $5,500.00 + $3,750.00$ $= $49,250.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,200.00 \times 12$ $= $14,400.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$40,000.00 - $11,000.00 - $14,400.00$ $= $14,600.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$14,600.00}{$49,250.00}$ $= 0.2964467$ $= 29.6447%$
6. Cash-on-cash return: 14.95%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$68,000.00 + $5,250.00 + $5,000.00$ $= $78,250.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,275.00 \times 12$ $= $15,300.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$36,000.00 - $9,000.00 - $15,300.00$ $= $11,700.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$11,700.00}{$78,250.00}$ $= 0.14952077$ $= 14.9521%$
7. Cash-on-cash return: 24.31%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$54,000.00 + $5,500.00 + $4,250.00$ $= $63,750.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,000.00 \times 12$ $= $12,000.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$37,500.00 - $10,000.00 - $12,000.00$ $= $15,500.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$15,500.00}{$63,750.00}$ $= 0.24313725$ $= 24.3137%$
8. Cash-on-cash return: 10.2%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$55,000.00 + $6,000.00 + $3,000.00$ $= $64,000.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,060.00 \times 12$ $= $12,720.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$32,500.00 - $13,250.00 - $12,720.00$ $= $6,530.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$6,530.00}{$64,000.00}$ $= 0.10203125$ $= 10.2031%$
9. Cash-on-cash return: 15.78%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$65,000.00 + $7,300.00 + $3,750.00$ $= $76,050.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$1,000.00 \times 12$ $= $12,000.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$38,000.00 - $14,000.00 - $12,000.00$ $= $12,000.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$12,000.00}{$76,050.00}$ $= 0.15779093$ $= 15.7791%$
10. Cash-on-cash return: 25.67%
1. Total cash invested: everything you paid in cash to buy and prepare the property
  $$58,000.00 + $4,000.00 + $5,000.00$ $= $67,000.00$
2. Find a year of loan payments (debt service): the monthly payment times 12
  $$900.00 \times 12$ $= $10,800.00$
3. Find the yearly cash flow before taxes: the income, minus running costs, minus the loan payments
  $$40,000.00 - $12,000.00 - $10,800.00$ $= $17,200.00$
4. Divide the yearly cash flow by the cash you put in, to see what each dollar earns. As a percent, this is the cash-on-cash return
  $CoC$ $= \frac{$17,200.00}{$67,000.00}$ $= 0.25671642$ $= 25.6716%$