USA Tool
ROI Calculator
USA rental yield — gross, net after property tax and HOA, and cash-on-cash return including mortgage. Factors in Transfer Tax upfront and 22% non-resident withholding.
Loan $1,500,000 · 75% LTV
Typically ~3% of property value
Investor 10-20% sliding; owner-occ 0-16%
Gross Yield
3.30%
Net Yield (pre-mortgage)
1.89%
Annual Cash Flow
-$51,903
Cash-on-Cash ROI
-9.25%
On cash invested
Annual P&L
Gross Annual Rent$66,000
Vacancy Loss (2w)-$2,538
Effective Rent$63,462
Property Tax (AV $50,000 × 12%)-$6,000
HOA (annual)-$6,000
Insurance-$2,000
Property Manager (8%)-$5,077
Net Rent (pre-tax, pre-mortgage)$44,385
Income Tax (15%)-$6,658
Net Rent (after tax)$37,727
Annual Mortgage-$89,630
Net Cash Flow-$51,903
Upfront Cash Required
Deposit$500,000
Closing Costs (Primary Residence)$52,925
Legal + Valuation + Conveyancing$8,000
Total Cash In$560,925