Equivalent Savings Yield

Cash return comparable to savings account interest rates.

Example Result

Sample Data

-4.54%

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Equivalent Savings Yield Formula

Cash Flow Before Tax / Total Cash Invested x 100

-$4,023 / $110,830 x 100

-4.54%

What This Means

A sample property priced at $385,000 with $2,850/month rent has a equivalent savings yield of -4.54% at Purchase (Month 0). Even the best savings accounts yield 4-5%. If your property produces 8% cash-on-cash, that is real estate income that far exceeds passive savings, plus you get appreciation and tax benefits on top.

Where This Value Comes From

Equivalent Savings Yield is not entered directly — it is calculated from Cash Flow Before Tax and Total Cash Invested. See the formula breakdown above and the detailed inputs below.

Inputs That Determine Equivalent Savings Yield

Cash Flow Before Tax

Cash remaining after operating expenses and debt service.

-$4,023

Purchase

Total Cash Invested

Total cash committed to the property: closing costs, rent-ready, reserves, and negative cash flow.

$110,830

Purchase

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Why It Matters

Even the best savings accounts yield 4-5%. If your property produces 8% cash-on-cash, that is real estate income that far exceeds passive savings, plus you get appreciation and tax benefits on top.