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New Mexico Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(New Mexico defaults)

Total Annual Expenses$10,401

New Mexico Market Context

Avg Cap Rate

6.2%

Median Price

$357K

Property Tax

0.61%

Vacancy Rate

6.6%

Local Factors

  • -Albuquerque and Santa Fe are the primary rental markets with different investor profiles
  • -National labs (Los Alamos, Sandia) provide stable high-income renter base
  • -Low property taxes keep holding costs manageable

Cash on Cash Return

-20.2%

Negative
Annual Cash Flow$-16,547
Monthly Cash Flow$-1,379
Total Cash Invested$82,110
Monthly Mortgage$1,900
NOI$6,255

Where Rent Goes

COC RETURN-20.2%
Cash Flow$0
Debt Service$22,801
Expenses$10,401

Cash Invested Breakdown

Down Payment$71,400
Closing Costs$10,710

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.