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New Jersey Cash on Cash Return Calculator

Cash on cash return measures annual cash flow ÷ total cash invested. Pre-filled with New Jersey market data including property tax, insurance, vacancy rates, and management fees.

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Property & Financing

Rental Income

Operating Expenses(New Jersey defaults)

Total Annual Expenses$18,529

New Jersey Market Context

Avg Cap Rate

5%

Median Price

$521K

Property Tax

1.68%

Vacancy Rate

3.6%

Local Factors

  • -Highest effective property tax rate in the nation at 1.68%
  • -Strong rental demand from NYC commuters keeps vacancy low
  • -Tenant-friendly laws and rent control in some municipalities

Cash on Cash Return

-19.1%

Negative
Annual Cash Flow$-22,849
Monthly Cash Flow$-1,904
Total Cash Invested$119,830
Monthly Mortgage$2,773
NOI$10,427

Where Rent Goes

COC RETURN-19.1%
Cash Flow$0
Debt Service$33,276
Expenses$18,529

Cash Invested Breakdown

Down Payment$104,200
Closing Costs$15,630

What does this mean?

Negative cash on cash means you're losing money each month. The property's rental income doesn't cover your expenses and mortgage. Consider renegotiating the price, increasing rents, or walking away.