Financial Metrics Calculator

Calculate essential real estate investment metrics including DSCR, LTV, ARV, cap rate, and cash-on-cash returns. Use real numbers from your deals to make informed investment decisions.

DSCR Calculator

Net Operating Income (NOI): $50,000

Annual Debt Service: $40,000

LTV Calculator

Loan Amount: $375,000

Property Value: $500,000

ARV Calculator

Purchase Price: $350,000

Repair Costs: $50,000

Cash-on-Cash Return

Monthly Income: $4,000

Monthly Expenses: $2,000

Capital Invested: $100,000

Debt Service Coverage Ratio

1.25x

Strong

Favorable terms available

Definition: NOI ÷ Annual Debt Service. Lenders typically want 1.25x or higher.

Loan-to-Value Ratio

75.00%

Equity: $125,000 (25.00%)

Definition: Loan Amount ÷ Property Value. Most lenders cap at 75%.

After Repair Value

$400,000

Formula: Purchase Price + Repair Costs

Cap Rate

10.00%

Formula: NOI ÷ Property Value. Typical range: 4-8%

Cash-on-Cash Return

24.00%

Annual Cash Flow: $24,000

Deal Snapshot

Updates live as you adjust the inputs above. The ratios summarize how the deal underwrites; the donut shows how the property's value splits between financing and your equity.

1.25x

DSCR

Strong

75.00%

Loan-to-Value

Lenders typically cap at 75%

10.00%

Cap Rate

24.00%

Cash-on-Cash

Property Value Breakdown

Loan financing vs. your equity, based on the loan amount and property value you entered.

Loan Amount75%
Equity25%

Ready to Apply for Financing?

Use the metrics from this calculator to evaluate your deal, then apply for financing with New City Financial for faster approval and flexible terms.

Start Your Application