Cash-on-cash & ROI

Cash-on-cash return is the annual net cashflow divided by the cash you actually put in. "Money in" is your deposit, transaction fees (stamp duty, legal, broker) and any refurb cost. "Annual net cashflow" is what hits your bank account after all expenses and mortgage payments. This page calculates the last 12 months and annualises if fewer months of data exist.

Gross yield doesn't tell you whether a deal makes sense — a 7% yield on a fully cash-bought property and a 7% yield on an 80%-LTV BTL are completely different bets. Cash-on-cash is the number sophisticated investors compare. Anything over 8% is normally considered a strong yield; under 4% suggests you're primarily betting on capital growth.

For each property below, click Edit money-in and fill in what you actually paid at purchase: deposit, fees and any refurb spend before letting. The system already has rent received and expenses logged.