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Gross income minus operating expenses (before debt service)

What is Cap Rate?

The capitalization rate (cap rate) is a fundamental metric in real estate investing. It represents the expected rate of return on an investment property, assuming an all-cash purchase.

Formula:Cap Rate = NOI ÷ Property Value × 100

Important Disclaimer

This calculator is for informational and educational purposes only. It does not constitute investment, financial, legal, or tax advice. Cap rates vary significantly based on property condition, location, market conditions, and other factors not captured by this tool.

Always consult with qualified professionals before making real estate investment decisions.

Frequently Asked Questions

What is a good cap rate for Los Angeles?

In Los Angeles, multifamily cap rates typically range from 4% to 6%. Prime locations like Beverly Hills or Santa Monica often see lower cap rates (4-4.5%), reflecting lower risk and stronger appreciation potential. Areas with higher yields often carry more risk or require more active management.

Is a higher or lower cap rate better?

Neither is inherently better—it depends on your investment goals. Higher cap rates provide more immediate cash flow but often indicate higher risk. Lower cap rates suggest stability and appreciation potential but less current income. Consider total return, not just cap rate.

How does cap rate differ from cash-on-cash return?

Cap rate assumes an all-cash purchase, while cash-on-cash return accounts for financing. If you use a loan, your cash-on-cash return will differ from the cap rate. With favorable leverage, cash-on-cash can exceed cap rate.

What is Net Operating Income (NOI)?

NOI is the annual income a property generates after operating expenses but before debt service and taxes. It includes rent and other income minus expenses like property tax, insurance, maintenance, and management fees. It does not include mortgage payments.

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