$485,000 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 2/100
Property
$485,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,200
Monthly cash flow
-$711
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effective rent − operating expenses − mortgage payment
$3,040 − $1,331 − $2,420 = -$711/mo
NOI (annual)
$20,508
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(effective rent − operating expenses) × 12
($3,040 − $1,331) × 12 = $20,508
Cap rate
4.2%
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annual NOI ÷ purchase price
$20,508 ÷ $485,000 = 4.2%
Cash-on-cash return
-6.5%
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annual cash flow ÷ total cash invested
-$8,532 ÷ $130,950 = -6.5%
DSCR
0.71x
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monthly NOI ÷ mortgage payment
$1,709 ÷ $2,420 = 0.71x
Break-even occupancy
117.2%
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(operating expenses + mortgage payment) ÷ gross rent
($1,331 + $2,420) ÷ $3,200 = 117.2%
Loan amount
$363,750
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purchase price − down payment
$485,000 − $121,250 (25%) = $363,750
Monthly P&I payment
$2,420
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amortized loan payment (rate ÷ 12, term × 12)
$363,750 at 7% over 30 yrs = $2,420/mo
Equity grows from $141,920 in year 1 to $371,998 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $141,920 |
| 2 | $163,451 |
| 3 | $185,884 |
| 4 | $209,260 |
| 5 | $233,624 |
| 6 | $259,023 |
| 7 | $285,507 |
| 8 | $313,127 |
| 9 | $341,938 |
| 10 | $371,998 |
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