Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Cash on Cash is King

29 Aug 2026 · 1 min

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Christian Osgood says cash-on-cash return is what matters most in real estate investing. A lower down payment with a higher interest rate often beats a bigger down payment, especially in BRRRR deals. Run the numbers both ways to see which actually wins.

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Cash-on-cash return is king. It is easier to multiply less money. I would look at the multiple on the exit inputs. If the plan is to cash out a partner, whichever one is easiest to get more than a full BRRRR on would typically be the one I go to. Less down, even at a little higher interest, statistically is going to be the superior product. However, run both through the calculator. That will tell you which one you need to do. But those are the only inputs that matter. How much are you multiplying the money? Oh, wow. How much cash flow do you have throughout the deal? Those are the only things that matter for choosing a debt product. It should be very clear when you put it in the calculator. There should be a very clear winner.