$475,000 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 38/100
Property
$475,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$4,600
Monthly cash flow
$220
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effective rent − operating expenses − mortgage payment
$4,370 − $1,780 − $2,370 = $220/mo
NOI (annual)
$31,080
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(effective rent − operating expenses) × 12
($4,370 − $1,780) × 12 = $31,080
Cap rate
6.5%
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annual NOI ÷ purchase price
$31,080 ÷ $475,000 = 6.5%
Cash-on-cash return
2.1%
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annual cash flow ÷ total cash invested
$2,638 ÷ $128,250 = 2.1%
DSCR
1.09x
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monthly NOI ÷ mortgage payment
$2,590 ÷ $2,370 = 1.09x
Break-even occupancy
90.2%
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(operating expenses + mortgage payment) ÷ gross rent
($1,780 + $2,370) ÷ $4,600 = 90.2%
Loan amount
$356,250
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purchase price − down payment
$475,000 − $118,750 (25%) = $356,250
Monthly P&I payment
$2,370
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amortized loan payment (rate ÷ 12, term × 12)
$356,250 at 7% over 30 yrs = $2,370/mo
Equity grows from $138,994 in year 1 to $364,328 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $138,994 |
| 2 | $160,081 |
| 3 | $182,051 |
| 4 | $204,945 |
| 5 | $228,807 |
| 6 | $253,683 |
| 7 | $279,620 |
| 8 | $306,670 |
| 9 | $334,887 |
| 10 | $364,328 |
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