NJ Investment Property Analyzer
Estimate cash flow, cash-on-cash return, cap rate, DSCR and long-term equity before you make an offer.
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No account required
NJ-focused assumptions
For educational purposes only — not financial, legal, or tax advice. Results are estimates based on your inputs.
Estimated Monthly Cash Flow
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Cash-on-Cash Return
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Annual CF ÷ cash invested
Cap Rate
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NOI ÷ purchase price
DSCR
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NOI ÷ annual debt service
Total Cash Required
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Down + closing + reno
Annual Cash Flow—
Net Operating Income (Yr 1)—
Gross Rent Multiplier—
Break-even Occupancy—
Loan Amount—
Monthly Mortgage (P&I)—
Down Payment—
Closing Costs—
Gross Rent / Month—
Vacancy Loss / Month—
Effective Income / Month—
Total Expenses / Month—
Income vs. Expenses — Annual Breakdown
Gross income vs. operating costs + debt service, each year
Cash-on-Cash Return Over Time
Years to analyze
Down Payment Comparison
How down payment affects cash flow, CoC return, and DSCR
Monthly CF—
Cash Required—
CoC Return—
DSCR—
| Down % | Cash Required | Monthly CF | CoC Return | DSCR |
|---|
Return Composition (10 Year)
Property Value & Loan Balance
Over 10 Years
Year-by-Year Projections
| Year | Gross Income | Op. Expenses | NOI | Debt Service | Cash Flow | Loan Balance | Prop. Value | CoC | Total ROI |
|---|
Total Cash Flow (N yr)—
Total Appreciation—
Total Equity Buildup—
Total Return—
Total ROI—
Final Property Value—
How was this property scored? —
This is Agam's preliminary screening score — a quick filter to identify deals worth investigating further. It is not a universal financial standard or investment recommendation.
| Criterion | Weight | Strong | Moderate | Weak |
|---|---|---|---|---|
| Monthly Cash Flow | 20 pts | > $400/mo | > $200/mo | > $0/mo |
| Cash-on-Cash Return | 20 pts | > 8% | > 5% | > 2% |
| DSCR | 15 pts | > 1.5 | > 1.25 | > 1.0 |
| Cap Rate | 15 pts | > 7% | > 5% | > 3% |
| Break-even Occupancy | 15 pts | < 60% | < 70% | < 80% |
| Expense Ratio | 10 pts | < 40% | < 50% | < 60% |
| Positive Annual Cash Flow | 5 pts | Yes | — | — |
Score ≥ 70 = Strong Candidate · 45–69 = Worth Further Analysis · 25–44 = Price Needs Work · < 25 = Pass
Stress Test This Deal
See how cash flow and CoC return change under adverse conditions.
Rent 10% Lower
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Monthly Cash Flow
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CoC Return
Expenses 10% Higher
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Monthly Cash Flow
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CoC Return
Interest Rate +1%
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Monthly Cash Flow
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CoC Return
No Appreciation
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Annual Cash Flow
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CoC Return
Conservative Combo
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Monthly Cash Flow
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CoC Return
| Scenario | NOI | Monthly CF | CoC | DSCR |
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All results are estimates based on the assumptions you enter and are not guarantees of future performance. This calculator does not constitute financial, legal, investment, or tax advice. Consult a licensed professional before making investment decisions.