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Short-term or long-term: what does your property really return?
Enter what you pay and what it earns. See the mortgage payment, cash flow, cash-on-cash return and the year it pays for itself, in today’s money too. Everything is calculated in your browser; nothing is sent or saved.
Monthly payment
$2,245
PMT on $337,500 at 7%
Cash invested
$126,000
Down payment + closing costs
Total interest
$470,843
Over 30 years
Value after
$1,092,268
Year 30, at 3% a year
| Short-term | Long-term | |
|---|---|---|
| Cash flow, year 1After costs and the loan | −$14,134 | −$17,881 |
| Cash flow a month, year 1 | −$1,178 | −$1,490 |
| Cash-on-cash, year 1Cash flow ÷ cash invested | -11.2% | -14.2% |
| Cap rateIncome before the loan ÷ price | 2.8% | 2.0% |
| Profitable fromSelling then returns all the cash you put in | Year 8 | Year 12 |
| Profitable in today’s moneyFuture money discounted at 5% a year | Not within the hold | Not within the hold |
| Net present value (30 yrs)Gain in today’s money, after getting your cash back | −$21,848 | −$103,968 |
| Internal rate of returnYearly return on your cash, sale included | 4.6% | 3.4% |
| Profit if sold, year 30 | $701,852 | $523,613 |
Year by year
Where a “profit if sold” line crosses $0, that strategy has paid for itself.
The numbers, year by year
Payment = PMT on the loan; cash-on-cash = cash flow ÷ cash invested; profit if sold = sale proceeds after selling costs and the loan + all cash flow so far − cash invested. The highlighted row is the first profitable year.
| Year | Loan | Property | Short-term | Long-term | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Payments | Interest | Principal | Balance | Value | Equity | Cash flow | Cash-on-cash | Profit if sold | Cash flow | Cash-on-cash | Profit if sold | |
| 1 | $26,945 | $23,516 | $3,428 | $334,072 | $463,500 | $129,428 | −$14,134 | -11.2% | −$38,516 | −$17,881 | -14.2% | −$42,262 |
| 2 | $26,945 | $23,269 | $3,676 | $330,395 | $477,405 | $147,010 | −$13,750 | -10.9% | −$35,519 | −$17,609 | -14.0% | −$43,124 |
| 3 | $26,945 | $23,003 | $3,942 | $326,454 | $491,727 | $165,274 | −$13,354 | -10.6% | −$31,468 | −$17,329 | -13.8% | −$43,048 |
| 4 | $26,945 | $22,718 | $4,227 | $322,227 | $506,479 | $184,252 | −$12,946 | -10.3% | −$26,321 | −$17,040 | -13.5% | −$41,995 |
| 5 | $26,945 | $22,412 | $4,532 | $317,694 | $521,673 | $203,979 | −$12,526 | -9.9% | −$20,033 | −$16,743 | -13.3% | −$39,923 |
| 6 | $26,945 | $22,085 | $4,860 | $312,834 | $537,324 | $224,490 | −$12,094 | -9.6% | −$12,555 | −$16,437 | -13.0% | −$36,789 |
| 7 | $26,945 | $21,733 | $5,211 | $307,623 | $553,443 | $245,821 | −$11,648 | -9.2% | −$3,840 | −$16,122 | -12.8% | −$32,547 |
| 8 | $26,945 | $21,357 | $5,588 | $302,034 | $570,047 | $268,012 | −$11,190 | -8.9% | $6,166 | −$15,797 | -12.5% | −$27,148 |
| 9 | $26,945 | $20,953 | $5,992 | $296,042 | $587,148 | $291,106 | −$10,717 | -8.5% | $17,517 | −$15,463 | -12.3% | −$20,544 |
| 10 | $26,945 | $20,519 | $6,425 | $289,617 | $604,762 | $315,146 | −$10,230 | -8.1% | $30,270 | −$15,118 | -12.0% | −$12,679 |
| 11 | $26,945 | $20,055 | $6,890 | $282,727 | $622,905 | $340,178 | −$9,729 | -7.7% | $44,485 | −$14,763 | -11.7% | −$3,498 |
| 12 | $26,945 | $19,557 | $7,388 | $275,339 | $641,592 | $366,253 | −$9,212 | -7.3% | $60,227 | −$14,398 | -11.4% | $7,057 |
| 13 | $26,945 | $19,023 | $7,922 | $267,417 | $660,840 | $393,423 | −$8,680 | -6.9% | $77,562 | −$14,022 | -11.1% | $19,051 |
| 14 | $26,945 | $18,450 | $8,495 | $258,922 | $680,665 | $421,743 | −$8,132 | -6.5% | $96,560 | −$13,634 | -10.8% | $32,547 |
| 15 | $26,945 | $17,836 | $9,109 | $249,814 | $701,085 | $451,272 | −$7,568 | -6.0% | $117,296 | −$13,235 | -10.5% | $47,616 |
| 16 | $26,945 | $17,178 | $9,767 | $240,046 | $722,118 | $482,071 | −$6,986 | -5.5% | $139,847 | −$12,823 | -10.2% | $64,330 |
| 17 | $26,945 | $16,471 | $10,473 | $229,573 | $743,781 | $514,208 | −$6,388 | -5.1% | $164,296 | −$12,400 | -9.8% | $82,768 |
| 18 | $26,945 | $15,714 | $11,230 | $218,343 | $766,095 | $547,752 | −$5,771 | -4.6% | $190,730 | −$11,963 | -9.5% | $103,009 |
| 19 | $26,945 | $14,903 | $12,042 | $206,301 | $789,078 | $582,777 | −$5,136 | -4.1% | $219,241 | −$11,514 | -9.1% | $125,142 |
| 20 | $26,945 | $14,032 | $12,913 | $193,388 | $812,750 | $619,362 | −$4,482 | -3.6% | $249,924 | −$11,051 | -8.8% | $149,255 |
| 21 | $26,945 | $13,099 | $13,846 | $179,542 | $837,133 | $657,591 | −$3,808 | -3.0% | $282,882 | −$10,574 | -8.4% | $175,447 |
| 22 | $26,945 | $12,098 | $14,847 | $164,694 | $862,247 | $697,552 | −$3,114 | -2.5% | $318,223 | −$10,083 | -8.0% | $203,818 |
| 23 | $26,945 | $11,024 | $15,920 | $148,774 | $888,114 | $739,340 | −$2,399 | -1.9% | $356,060 | −$9,577 | -7.6% | $234,477 |
| 24 | $26,945 | $9,873 | $17,071 | $131,702 | $914,757 | $783,055 | −$1,662 | -1.3% | $396,514 | −$9,056 | -7.2% | $267,537 |
| 25 | $26,945 | $8,639 | $18,305 | $113,397 | $942,200 | $828,803 | −$904 | -0.7% | $439,712 | −$8,520 | -6.8% | $303,119 |
| 26 | $26,945 | $7,316 | $19,629 | $93,768 | $970,466 | $876,698 | −$123 | -0.1% | $485,788 | −$7,967 | -6.3% | $341,351 |
| 27 | $26,945 | $5,897 | $21,048 | $72,720 | $999,580 | $926,860 | $682 | 0.5% | $534,885 | −$7,397 | -5.9% | $382,369 |
| 28 | $26,945 | $4,375 | $22,569 | $50,151 | $1,029,567 | $979,416 | $1,511 | 1.2% | $587,154 | −$6,811 | -5.4% | $426,315 |
| 29 | $26,945 | $2,744 | $24,201 | $25,950 | $1,060,454 | $1,034,504 | $2,365 | 1.9% | $642,753 | −$6,207 | -4.9% | $473,343 |
| 30 | $26,945 | $994 | $25,950 | $0 | $1,092,268 | $1,092,268 | $3,244 | 2.6% | $701,852 | −$5,585 | -4.4% | $523,613 |
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Estimates for illustration, not financial, tax or legal advice. Income taxes, depreciation and capital gains are not included: switch them on under Income taxes.Short-term rental must be allowed by your building and city. Short-term management is Nomabase’s 15% by default.