Real Estate Math

An investor wants a 10% cash-on-cash return. They invest $85,000 in down payment and closing costs. The property's annual NOI is $22,000 and the annual mortgage payment is $13,600. What is the cash-on-cash return?

A25.9%
B10%
C9.9%✓ Correct
D16.3%

Explanation

Cash flow before taxes = NOI − Mortgage payment = $22,000 − $13,600 = $8,400. Cash-on-cash return = $8,400 ÷ $85,000 = 9.

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