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Nhà Đẻ Nhà House Begets House

What does this property actually return?

Rent is only one of three ways a rental pays you. This adds cash flow, appreciation, and the loan your tenant pays down — into one honest Year-1 Total ROI, then projects the compound rate if you hold.

Property & Financing

The purchase, the loan, and every dollar you put in upfront.

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Rental Income

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Operating Expenses annual

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Growth & Exit

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Total ROI · Year 1

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On $0 of cash in the deal — your money working three ways at once.

Cash flow
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Appreciation
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Loan paydown
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Monthly Cash Flow
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Annual Cash Flow
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Cash-on-Cash Return · cash flow only
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Cap Rate · ignores the loan
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Full annual cash-flow statement ▸
Gross Rental Income—
Less: Vacancy—
Effective Gross Income—
Less: Property Tax—
Less: Insurance—
Less: Property Management—
Less: Maintenance—
Less: HOA—
Less: Other—
Net Operating Income (NOI)—
Less: Debt Service (P&I × 12)—
Annual Cash Flow—

If you hold and then sell

Edit any hold length below. Rates are net of selling cost and your original cash in.

Hold Period yrs yrs yrs yrs
Projected Property Value
Remaining Loan Balance
Gross Equity (Value − Loan)
Net Sale Proceeds (after selling cost)
Cumulative Cash Flow
Total Money Made
Net Equity Multiple (vs cash in)
Annual Compound Rate

How the Year-1 ROI is built

  • Total ROI = (Cash Flow + Appreciation + Loan Paydown) ÷ Total Cash Invested.
  • Total Cash Invested = Down Payment + Closing Costs + Rehab/Move-in Costs.
  • Loan Paydown is the principal your tenant pays off in Year 1 as they cover the mortgage.
  • This is a Year-1 snapshot. Rents, values, and paydown all shift in later years.

How the hold projection works

  • Net Sale Proceeds = Gross Equity − Selling Cost. The equity multiple and compound rate both run off this net-of-sale figure.
  • Total Money Made = Net Sale Proceeds + Cumulative Cash Flow — cash in hand if you sold. It still includes your original cash; net profit = Total Money Made − Total Cash Invested.
  • Cumulative Cash Flow holds Year-1 cash flow flat for the whole period — conservative, since real rents usually rise.