$460,000 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 67/100
Property
$460,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$4,800
Monthly cash flow
$579
Show the mathThe math
effective rent − operating expenses − mortgage payment
$4,560 − $1,686 − $2,295 = $579/mo
NOI (annual)
$34,488
Show the mathThe math
(effective rent − operating expenses) × 12
($4,560 − $1,686) × 12 = $34,488
Cap rate
7.5%
Show the mathThe math
annual NOI ÷ purchase price
$34,488 ÷ $460,000 = 7.5%
Cash-on-cash return
5.6%
Show the mathThe math
annual cash flow ÷ total cash invested
$6,944 ÷ $124,200 = 5.6%
DSCR
1.25x
Show the mathThe math
monthly NOI ÷ mortgage payment
$2,874 ÷ $2,295 = 1.25x
Break-even occupancy
82.9%
Show the mathThe math
(operating expenses + mortgage payment) ÷ gross rent
($1,686 + $2,295) ÷ $4,800 = 82.9%
Loan amount
$345,000
Show the mathThe math
purchase price − down payment
$460,000 − $115,000 (25%) = $345,000
Monthly P&I payment
$2,295
Show the mathThe math
amortized loan payment (rate ÷ 12, term × 12)
$345,000 at 7% over 30 yrs = $2,295/mo
Equity grows from $134,605 in year 1 to $352,823 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $134,605 |
| 2 | $155,026 |
| 3 | $176,302 |
| 4 | $198,473 |
| 5 | $221,582 |
| 6 | $245,672 |
| 7 | $270,790 |
| 8 | $296,986 |
| 9 | $324,312 |
| 10 | $352,823 |
Want to run your own numbers?
Change any assumption, or analyze a completely different property — free, no account needed.