$450,000 rental, fully underwritten
Every figure below is computed by Caprately's analysis engine from this deal's numbers — cash flow, cap rate, DSCR, a 10-year projection, and the verdict. Nothing is hand-picked.
Deal score 66/100
Property
$450,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$4,800
Monthly cash flow
$561
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effective rent − operating expenses − mortgage payment
$4,560 − $1,754 − $2,245 = $561/mo
NOI (annual)
$33,672
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(effective rent − operating expenses) × 12
($4,560 − $1,754) × 12 = $33,672
Cap rate
7.5%
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annual NOI ÷ purchase price
$33,672 ÷ $450,000 = 7.5%
Cash-on-cash return
5.5%
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annual cash flow ÷ total cash invested
$6,727 ÷ $121,500 = 5.5%
DSCR
1.25x
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monthly NOI ÷ mortgage payment
$2,806 ÷ $2,245 = 1.25x
Break-even occupancy
83.3%
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(operating expenses + mortgage payment) ÷ gross rent
($1,754 + $2,245) ÷ $4,800 = 83.3%
Loan amount
$337,500
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purchase price − down payment
$450,000 − $112,500 (25%) = $337,500
Monthly P&I payment
$2,245
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amortized loan payment (rate ÷ 12, term × 12)
$337,500 at 7% over 30 yrs = $2,245/mo
Equity grows from $131,678 in year 1 to $345,153 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $131,678 |
| 2 | $151,656 |
| 3 | $172,470 |
| 4 | $194,159 |
| 5 | $216,765 |
| 6 | $240,331 |
| 7 | $264,903 |
| 8 | $290,530 |
| 9 | $317,262 |
| 10 | $345,153 |
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