Property ROI Calculator

Yes. Every mortgage payment has principal component. That's equity building (return on investment). Separate from interest (cost of leverage). Include principal paydown in cash flow ROI.

No. Historical average 3–5%, but varies by year and location. Don't bank on it. Calculate "yield on cost" from rental income alone; appreciation is bonus.

Leverage amplifies ROI. 20% down = 5x leverage. A 5% property appreciation = 25% ROI on your cash. But leverage also amplifies losses—be careful.