Cash on cash metric

[Mo Ahmad]

Hi,

I have noticed that CoC metric is almost always negative when I put 3.5% down payment.

Keeping all other factors same and only changing down payment  from 3.5% to 20%
our CoC gets a lot better.

With that being said what are some of the metrics or key factors an investor shall be looking for when putting 3.5% Down?

~MO