房地產投資報酬率計算機 (投報率試算)
快速計算租金回報率、Cap Rate 以及現金投報率 (CoC)。評估買房收租是否划算。
Cap Rate
Monthly Cash Flow
Cash-on-Cash Return
30-Year Equity Growth Projection
Investment Milestone Projection
Projected property value, home equity, and cumulative cash flow over the loan term.
| Timeline | Prop. Value | Home Equity | Cumul. Cash Flow | Total ROI |
|---|---|---|---|---|
| 1 Year 0 | $500,000 | $100,000 | $0 | 0.0% |
| 2 Year 5 | $579,637 | $205,193 | $-23,646 | 81.5% |
| 3 Year 10 | $671,958 | $332,854 | $-25,175 | 207.7% |
| 4 Year 15 | $778,984 | $488,747 | $-882 | 387.9% |
| 5 Year 20 | $903,056 | $680,394 | $53,542 | 633.9% |
| 6 Year 25 | $1,046,889 | $917,672 | $143,115 | 960.8% |
| 7 Year 30 | $1,213,631 | $1,213,631 | $273,676 | 1387.3% |
數字會說話：評估你的收租資產
房地產投資不應靠感覺，而是要靠數據。一個好的投資案必須能產生正向的「現金流」。📊 核心指標解析
1. 租金收益率 (Cap Rate)：假設全額現金購買的年化報酬率。 2. 現金投報率 (Cash-on-Cash Return)：針對你真正掏出的錢（頭期款）所算出的報酬率，這對使用槓桿的投資者最重要。 3. 淨營運收入 (NOI)：總租金減去所有營運支出（不含房貸）。投資隱形成本
* 空置率：預估每年有 0.5 到 1 個月租不出去。 * 修繕預算：建議預留固定比例作為房屋修繕基金。 * 持有稅費：別忘了房屋稅、地價稅以及管理費。常見問題 (FAQ)
Q: What is a good cap rate for a rental property?
A: Cap rates vary significantly by market and property type. Generally: below 4% indicates a premium location where investors accept lower yield in exchange for higher appreciation potential (major coastal cities); 4–6% is considered moderate in suburban markets; 6–8% is strong in secondary/tertiary markets; above 8% often signals higher risk or lower appreciation. Compare cap rates within your target market—the "good" rate is relative to local alternatives.
Q: What is cash-on-cash return and why does it matter?
A: Cash-on-cash return measures your actual annual cash return on the cash you invested (down payment + closing costs), expressed as a percentage. Unlike cap rate (which ignores financing), CoC shows what you actually keep after mortgage payments. A property with a 6% cap rate and 20% down at 7% interest might have only 3–4% CoC return—or even negative—because your debt service exceeds the income advantage. Target CoC return of 5–8%+ for a reasonable income property investment.
Q: What expenses do rental property investors commonly forget?
A: The most commonly underestimated expenses are: (1) Vacancy—budget 5–10% of gross rent for periods between tenants or non-payment; (2) Capital expenditures—roof, HVAC, appliances all need replacement eventually (budget 1–2% of property value/year); (3) Property management—if using a manager, 8–12% of gross rent; (4) Maintenance and repairs—budget 1% of property value/year; (5) Turnover costs—cleaning, painting, carpet between tenants ($1,000–$5,000 per turnover).
Q: What is the 1% rule in real estate investing?
A: The 1% rule states that a rental property should generate monthly rent equal to at least 1% of the purchase price. A $300,000 property should rent for $3,000+/month. This quick filter helps screen out obviously poor cash flow properties. However, in most high-cost markets, the 1% rule is impossible to achieve—properties often return 0.3–0.7%. In these markets, investors accept lower cash yield in exchange for higher appreciation expectations.
情境範例
外地投資者的必備工具。Cap Rate 和現金投報率的詳細計算非常適合用來快速評估潛在交易。
隱形成本部分的提醒非常重要。大多數新手都會忘記計算空置率和修繕費。
這個計算機對評估租賃物業來說是個遊戲規則改變者。現金投報率特別有用。
好用的工具，但我希望它能有考慮時間增值的功能。
Official Sources & Authority References
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
