Free Investor Tool
Enter your property's income and expenses once. The tool calculates NOI, runs the DSCR lender check, and compares Cap Rate vs. Cash-on-Cash — all from the same numbers.
Rental income before vacancy
Number of Units
total rentable units
Average Monthly Rent / Unit
per door
Other Monthly Income
parking, laundry, storage, etc.
Vacancy Rate
% of gross potential rent
Gross Potential Rent (annual)
$0
Less: Vacancy Loss
-$0
Effective Gross Income
$0
Annual costs — do not include mortgage
Property Taxes
annual
Insurance
annual premium
Maintenance / Repairs
annual estimate
Property Management
% of effective gross income
Utilities (owner-paid)
water, trash, common electric
Miscellaneous
landscaping, pest, reserves
Management Fee (computed)
0% × EGI
$0
Total Operating Expenses
$0
Expense Ratio
total opex ÷ EGI
—
Used for DSCR and Cash-on-Cash — leave blank for unlevered analysis
Purchase Price
Down Payment %
Interest Rate
Loan Term
years
Loan Amount
—
Down Payment
—
Monthly Mortgage Payment
—
Annual Debt Service
—
EGI minus all operating expenses — before debt service
Annual NOI
Effective Gross Income − Operating Expenses
$0
Effective Gross Income
$0
Less: Total Operating Expenses
-$0
NOI
$0
NOI does not include mortgage payments — it measures the property's income independent of how you financed it.
Debt Service Coverage Ratio: NOI ÷ Annual Debt Service
DSCR
Enter loan details
—
NOI
$0
Annual Debt Service
—
DSCR
NOI ÷ annual debt service
—
Lender Benchmarks
Two ways to measure return — unlevered vs. levered
Cap Rate
—
NOI ÷ Purchase Price
Cash-on-Cash
—
Cash Flow ÷ Down Payment
NOI
$0
Less: Annual Debt Service
—
Annual Cash Flow
—
Monthly Cash Flow
—
When to Use Each
Cap Rate
Compare properties regardless of how you finance them. Use it to evaluate the asset itself — not your deal structure.
Cash-on-Cash
Measures what your actual dollars earn after the mortgage. This is your real return on invested capital.
Deal looks solid?
Bring the numbers to Mondo. 30 years in NJ commercial real estate — he'll tell you if it's worth pursuing.
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