$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 25/100
Property
$465,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,575
Monthly cash flow
$44
Show the mathThe math
effective rent − operating expenses − mortgage payment
$3,396 − $1,032 − $2,320 = $44/mo
NOI (annual)
$28,371
Show the mathThe math
(effective rent − operating expenses) × 12
($3,396 − $1,032) × 12 = $28,371
Cap rate
6.1%
Show the mathThe math
annual NOI ÷ purchase price
$28,371 ÷ $465,000 = 6.1%
Cash-on-cash return
0.4%
Show the mathThe math
annual cash flow ÷ total cash invested
$528 ÷ $125,550 = 0.4%
DSCR
1.02x
Show the mathThe math
monthly NOI ÷ mortgage payment
$2,364 ÷ $2,320 = 1.02x
Break-even occupancy
93.8%
Show the mathThe math
(operating expenses + mortgage payment) ÷ gross rent
($1,032 + $2,320) ÷ $3,575 = 93.8%
Loan amount
$348,750
Show the mathThe math
purchase price − down payment
$465,000 − $116,250 (25%) = $348,750
Monthly P&I payment
$2,320
Show the mathThe math
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 |
Want to run your own numbers?
Change any assumption, or analyze a completely different property — free, no account needed.