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Mortgage vs Cash Purchase ROI Calculator

Compare leveraged (mortgage) vs all-cash returns on the same rental property. When does leverage make sense?

📍 Property Address (optional)
✓ Saved
InputsShared
Property
Purchase Price
$
Monthly Rent
$
Mortgage Option
Down Payment %
%
Interest Rate %
%
Operating Expenses (monthly)
Tax/mo
$
Insurance/mo
$
Maintenance %
%
Vacancy %
%
Pro Forma — Higher Down Payment
Pro Forma Down %
%
Pro Forma Rate %
%
As-IsCurrent
Enter values to see results
All-Cash CoC
—
100% down
Leveraged CoC
—
with mortgage
Leverage Benefit
—
Cash Required
—
mortgage option
All-Cash Returns
Cash Flow / mo—
Annual NOI—
Cash Yield (NOI/Price)—
Leveraged Returns
Mortgage Payment—
Cash Flow / mo—
Annual CF—
Cash-on-Cash—
Pro FormaAfter plan
Enter values to see results
All-Cash CoC
—
same
PF Leveraged CoC
—
Leverage Advantage
—
Verdict
—
leverage vs cash
Pro Forma Comparison
Down Payment—
PF Mortgage—
PF Cash Flow—
PF CoC—
Sensitivity — CoC by Down Payment %
10% down—
20% down—
25% down—
All cash—