$465,000 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 0/100
Property
$465,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$2,600
Monthly cash flow
-$1,126
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effective rent − operating expenses − mortgage payment
$2,470 − $1,276 − $2,320 = -$1,126/mo
NOI (annual)
$14,328
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(effective rent − operating expenses) × 12
($2,470 − $1,276) × 12 = $14,328
Cap rate
3.1%
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annual NOI ÷ purchase price
$14,328 ÷ $465,000 = 3.1%
Cash-on-cash return
-10.8%
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annual cash flow ÷ total cash invested
-$13,515 ÷ $125,550 = -10.8%
DSCR
0.51x
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monthly NOI ÷ mortgage payment
$1,194 ÷ $2,320 = 0.51x
Break-even occupancy
138.3%
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(operating expenses + mortgage payment) ÷ gross rent
($1,276 + $2,320) ÷ $2,600 = 138.3%
Loan amount
$348,750
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purchase price − down payment
$465,000 − $116,250 (25%) = $348,750
Monthly P&I payment
$2,320
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amortized loan payment (rate ÷ 12, term × 12)
$348,750 at 7% over 30 yrs = $2,320/mo
Equity grows from $136,068 in year 1 to $356,658 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $136,068 |
| 2 | $156,711 |
| 3 | $178,219 |
| 4 | $200,631 |
| 5 | $223,990 |
| 6 | $248,342 |
| 7 | $273,733 |
| 8 | $300,214 |
| 9 | $327,837 |
| 10 | $356,658 |
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