Total Cash to Close

All-In Cost Per Unit

Standard Deal Analysis

Total Cash Invested

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

Example Result

Sample Data

$111,163

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

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Total Cash Invested Formula

Total Cash to Close + Rent Ready Costs + 6-Month Reserves + Negative Cash Flow

Total Cash to Close $88,550

+ Rent Ready Costs $0

+ 6-Month Reserves $18,368

+ Negative Cash Flow $4,246

= Total Cash Invested $111,163

What This Means

A sample property priced at $385,000 with $2,850/month rent has a total cash invested of $111,163. This is the denominator for cash-on-cash return, total ROI, and the Return on Investment Quadrant™. It represents every dollar of cash you commit to acquire, prepare, and sustain the property. A lower total cash invested means higher leverage and amplified returns — both positive and negative.

Where This Value Comes From

Total Cash Invested is not entered directly — it is calculated from Total Cash to Close, Rent Ready Costs, 6-Month Reserves, and Cash Flow Before Tax. See the formula breakdown above and the detailed inputs below.

Calculated From

Total Cash Invested is calculated using these inputs:

Total Cash to Close

Cash needed at the closing table to acquire the property.

$88,550

Rent Ready Costs

Initial repairs and improvements needed before renting the property.

Found on your contractor bids

6-Month Reserves

Six months of operating reserves: enough to cover expenses, debt service, and PMI for half a year.

$18,368

Cash Flow Before Tax

Cash remaining after operating expenses and debt service.

-$4,246

Used to Calculate

Total Cash Invested is used as an input for these calculations:

True Cash on Cash ROI

Return Metrics

-1.76%

Annualized Return (5-Year)

Return Per Dollar (5-Year)

Return Metrics

0.95x

Equity Multiple (5-Year)

Return Metrics

0.95x

+R6 Reserves + Total Invested

Expense Metrics

$88,734

Profit If Sold Year 5

Deal Analysis

$10,674

Return If Sold Year 5

Deal Analysis

12.05%

Equivalent Savings Yield

Comparison Metrics

-4.79%

Platform Distribution

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Why It Matters

This is the denominator for cash-on-cash return, total ROI, and the Return on Investment Quadrant™. It represents every dollar of cash you commit to acquire, prepare, and sustain the property. A lower total cash invested means higher leverage and amplified returns — both positive and negative.

Detailed Explanation

Total Cash Invested is the full amount of cash you commit to a property: the closing amount (down payment + closing costs - seller concessions), plus rent-ready/rehab costs, plus 6-month reserves you need to set aside, plus any negative cash flow you must cover out of pocket. This is the true denominator for Return on Investment calculations because it reflects every dollar of real cash commitment — not just what you bring to the closing table.