ROI calculation - live in before renting

[Travis M.]

Hello!

I am becoming familiar with the ROI calculators for investing in buy-and-hold real estate but I'm trying to wrap my mind around the math if I were to purchase a property with the intention to rent it but only after living in it a year or two first. How would that year or two live-in time affect the cash-on-cash return math? Would only the initial cash invested count in the calculations or would the year or two of mortgage payments I assume when I live there also be factored into the equation?

Thanks for your help!

Travis