Mortgage & Profitability Calculator
Estimate your monthly payment, then see how a real estate investment's cap rate and cash-on-cash return improve once you factor in first-year cost segregation tax savings. Add an optional Year-1 depreciation figure to model the boost.
Mortgage Details
%
$250,000 down$750,000 financed

Added to your cash invested for the return math.

Property Type & Expenses

You'll rent this property out as an investment. Enter the rent you expect to collect and your yearly operating costs to see your cap rate and cash-on-cash return.

Eligible for cost segregation. Rental and investment property is used to produce income, so it can be depreciated and the short-life components can take bonus depreciation.

All yearly costs except the mortgage — property tax, insurance, maintenance, management, and so on.

First-Year Cost Segregation

From a cost segregation study (optional).

Estimated tax savings: $0

Results

Monthly Payment (P&I)

$4,740.51

Annual Debt Service

$56,886

Loan Amount

$750,000

Total Interest (life of loan)

$956,584

Cash Invested

$250,000

Net Operating Income

$48,000

Before vs. Year 1 with cost seg

Cash-on-Cash, after tax
-3.55%-3.55%+0.00%
Annual Cash Flow
-$8,886-$8,886+$0
Cap Rate(unchanged)4.80%

Cost seg savings are an income-tax benefit to you, not property income, so they raise your after-tax return without changing the property's cap rate.

Estimates only. Mortgage figures cover principal and interest; taxes, insurance, and PMI vary by lender. This is not tax or investment advice—consult a licensed CPA or financial professional.