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New York Cash on Cash Return Calculator

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

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Property & Financing

Rental Income

Operating Expenses(New York defaults)

Total Annual Expenses$18,710

New York Market Context

Avg Cap Rate

4.8%

Median Price

$576K

Property Tax

1.23%

Vacancy Rate

5.5%

Local Factors

  • -NYC has extremely strict rent stabilization laws covering ~1 million apartments
  • -Upstate NY offers much more affordable investment opportunities with higher cap rates
  • -2019 Housing Stability and Tenant Protection Act significantly limited landlord actions

Sources

World Population Review – Median Home PriceFL Probate Law – Property Tax Rates (ACS Data)The Hartford – Insurance RatesiPropertyManagement – Vacancy Rates

Cash on Cash Return

-19.6%

Negative
Annual Cash Flow$-25,931
Monthly Cash Flow$-2,161
Total Cash Invested$132,480
Monthly Mortgage$3,066
NOI$10,858

Where Rent Goes

COC RETURN-19.6%
Cash Flow$0
Debt Service$36,789
Expenses$18,710

Cash Invested Breakdown

Down Payment$115,200
Closing Costs$17,280

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.

Keep running the numbers

One calculator rarely tells the whole story.

You know your New York cash return. Now check if lenders agree with your deal.

Cap Rate

Calculate the capitalization rate to evaluate a property's potential return based on its net operating income.

Calculate

DSCR

Calculate the Debt Service Coverage Ratio to see if a property's rental income covers its loan payments.

Calculate

Mortgage

Calculate your monthly mortgage payment, total interest, and see a full cost breakdown.

Calculate

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