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CRE Refinancing
Lower your rate or pull equity from existing properties
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Finance the building where your business operates
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Access equity for renovations or new acquisitions
Hard Money Takeout Refi
Exit hard money loans with permanent financing
Investment Property Loan
Acquire income-producing commercial properties
Tenant Improvement Financing
Fund fit-outs to attract quality tenants
Learn & Research
What Is a CRE Loan?
Fundamentals of commercial real estate financing
CRE Loan Requirements
Credit, DSCR, LTV, and documentation standards
CRE Loan Rates
Current rate ranges by property type and loan program
Construction Loans
Ground-up and renovation construction financing
Bridge Loans
Short-term capital while you secure permanent financing
DSCR Loans Guide
Qualify based on property income, not personal income
Document Checklist
Everything lenders require, organized by loan type
CRE Glossary
Definitions for every term lenders use
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SBA Loans
SBA Loans Overview
Government-backed financing with lower down payments
SBA 504 Loans
Long-term fixed-rate financing — 10% down
SBA 7(a) Loans
Flexible working capital and real estate financing
Other Loan Products
Term Loans
Lump-sum financing with fixed repayment schedules
Business Line of Credit
Draw funds as needed, pay interest only on what you use
Business Loan Refinancing
Lower your rate or consolidate existing debt
Equipment Financing
Purchase or lease business-critical equipment
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SBA 504 Rates as Low as 6.5%
Lock in long-term fixed rates for owner-occupied CRE with just 10% down.
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Free CRE Financial Tools
DSCR CalculatorCommercial MortgageLTV CalculatorCap Rate CalculatorNOI CalculatorSBA 504 CalculatorRefinance Break-EvenCash-Out EquityCash-on-Cash ReturnYield Maintenance
10 Free Tools
Run Your Numbers Before You Apply
DSCR, cap rate, LTV, NOI — every metric lenders look at, built for CRE.
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Articles & Guides
Article Hub
107 expert articles on CRE financing, strategy, and tips
Capital Insights
Market commentary and lending analysis from our team
Property Type Hub
Sector-specific financing guides for every property type
Reference & Support
CRE Hub
Commercial Real Estate Hub
FAQ
Quick answers to the most common borrower questions
How It Works
Our 3-step lender matching process explained
About BestLoanUSA
Our story, team, and commitment to CRE borrowers
Commercial Real Estate Hub
CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
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📈 ROI Tool

Cash-on-Cash Return Calculator

Calculate your actual return on invested equity after debt service. See how leverage amplifies (or reduces) your returns compared to an all-cash purchase.

8–12%
Good CoC Return
Cash Flow ÷ Equity
CoC Formula
Leveraged
Return Metric
💵

Cash-on-Cash Return Calculator

Your actual return on invested capital

🏢 Investment Details
$
%
$
Appraisal, legal, title, etc.
💰 Property Income
$
Rent minus operating expenses
$
Optional: deduct from NOI
🏦 Financing
%
#
#
Same as term if fully amortizing
Cash-on-Cash Return
—
leveraged return on equity
Cap Rate (Unlevered)
—
return without financing
Annual Cash Flow
—
NOI minus debt service
Monthly Cash Flow
—
in your pocket
Total Cash Invested
—
down + closing costs
Annual Debt Service
—
loan payments / year

📈 Leverage Analysis

Cap Rate (no leverage)
Cash-on-Cash (with leverage)
Leverage Effect
Loan Constant (Annual DS ÷ Loan)
Verdict

Want to optimize your return?Our advisors structure financing to maximize your CoC return. No upfront fees.

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Understanding Cash-on-Cash Return

The metric that tells you what your actual equity is earning.

CoC vs Cap Rate

Cap rate measures the property's unlevered return (NOI ÷ Price). Cash-on-cash measures YOUR return on invested equity after debt (Cash Flow ÷ Total Cash Invested). With favorable leverage, CoC exceeds cap rate. With expensive debt, CoC can be lower than cap rate.

Positive vs Negative Leverage

Positive leverage occurs when the cap rate exceeds the loan constant (annual debt service ÷ loan amount). This means debt amplifies your return. When the loan constant exceeds the cap rate, leverage is negative — you'd earn more paying all cash.

What's a Good CoC Return?

For stabilized CRE: 8–12% is considered strong. Below 6% may not justify the risk and management effort. Above 15% is exceptional and often found in value-add deals. Your target should depend on risk, market, and alternative investment opportunities.

Improving Your CoC Return

Increase NOI (raise rents, reduce expenses, fill vacancy), negotiate better financing (lower rate, longer amortization, interest-only period), or reduce upfront equity (higher LTV, seller financing). Our advisors model multiple scenarios to optimize your return.

Frequently Asked Questions

Common questions about cash-on-cash returns in CRE investing.

Maximize Your Return on Equity

Our advisors structure your deal for the best cash-on-cash return — optimizing the balance between leverage, rate, and cash flow.

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CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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Our 6 commitments to every borrower

Other lenders make promises.
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Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the lender we wished existed.

$0
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1
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Complete Checklist
Full document requirements on your first call. No mid-process surprises asking for "one more thing."
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Why borrowers switch to us

Five things your last lender should have done.

Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

  1. 1
    48 hours to clarity. You'll know exactly where you stand — not wonder for months.
  2. 2
    Every dollar in writing. The rate and fees you see on day one are the ones you sign at closing.
  3. 3
    One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
  4. 4
    Full checklist, first call. Every document listed upfront. No mid-process surprises.
  5. 5
    We earn when you close. No upfront fees. Our only incentive is your funded deal.
“I’ve spent over a decade watching good borrowers lose money to a broken process. BestLoanUSA exists so that stops happening.”
JK
Jason Kim
Managing Director, Commercial Lending
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