CalculatorNew Mexico

Investment property calculator — New Mexico

New Mexico investors weigh climate, water, and insurance costs alongside rent. Default rent inputs are based on HUD FMR data—desert markets are not monolithic, so underwrite to the city and property type. Same math as the national Investment property calculator; numbers are educational—not lender instructions.

Calculator

Investment Property Calculator

Adjust assumptions quickly, keep the main KPIs visible, and jump into deeper analysis when you are ready.

Loan amount $240,000 · payment $1,597/mo

Cash flow

-$1,299

Cap rate

1.19%

DSCR

0.19

Cash-on-cash

-25.98%

Core assumptions

Start with price, rent, and expenses. Financing assumptions stay available when you want a deeper read.

Live result

Loan amount $240,000 · payment $1,597/mo

Cash flow

-$1,299

Cap rate

1.19%

DSCR

0.19

Below 1.0 is tighter

Cash-on-cash

-25.98%

Monthly cash flow

-$1,299

Create a free accountTrack deals & portfolio — see plans

Frequently asked questions

How do you calculate rental property cash flow?
Cash flow is monthly rent minus monthly expenses and debt service, adjusted for vacancy assumptions.
What is a good DSCR for rental property?
A DSCR above 1.0 generally means NOI covers debt service. Many investors target 1.20 or higher for safety.
Can I save calculator results?
This calculator does not store your session. A free account lets you save deals in the deal analyzer and track properties in your portfolio—you enter assumptions there.

Real estate investing in New Mexico

Real estate investing in New Mexico

Short-term rental rules vary. If STR is part of your plan, confirm compliance outside this tool.

Typical 2BR rent
~$1,050/mo
Effective property tax
~0.80% of home value
State income tax
Up to 5.9%

Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.

Other calculators for New Mexico: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator