Cash-flow lens
Cash-on-cash calculator
A pretty yield can still be a hungry property.
Change the number
What the math says Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs.
The first number is only the beginning.
Distributed cash - Reserve drag - Capital still at risk -
The chart will name the assumption carrying the most weight once the model runs.
Scenario check
| Case | Result | What moved |
|---|
Assumption ledger
Assumption coach Move an input to see what assumption is carrying the story.
Is the cash flow actual or projected?
Ignoring reserves
Cash-on-cash is useful. It is not a verdict.
What this number is really saying
This is the simplest cash yield lens: how much cash comes back this year compared with what you put in.
The assumption to attack
Drop distributions by 25%, add reserves, and ask whether the yield still makes sense after the property pays its real bills.
What the math is ignoring
Principal paydown, appreciation, taxes, refinance risk, and every expense somebody forgot to underwrite.
Headline, stress, proof.
- Start with the headline result.It names the current modeled answer, not the decision.
- Compare the stress cases.The scenario strip shows which assumption makes the answer fragile.
- Use the ledger as a diligence list.Every input should map back to a document, invoice, statement, term sheet, or named assumption.
Documents before confidence.
Actual bank distributions, reserve policy, trailing financials, preferred-return language, and paused-distribution history.
Stress before trust
- Ignoring reserves
- Using stabilized cash flow as current cash flow
- Pretending pre-tax is spendable
Make the model answer.
- Is the cash flow actual or projected?
- Are reserves funded before distributions?
- What expense line would break this yield fastest?
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