$565,000 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 22/100
Property
$565,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$4,300
Monthly cash flow
$9
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effective rent − operating expenses − mortgage payment
$4,085 − $1,257 − $2,819 = $9/mo
NOI (annual)
$33,936
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(effective rent − operating expenses) × 12
($4,085 − $1,257) × 12 = $33,936
Cap rate
6.0%
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annual NOI ÷ purchase price
$33,936 ÷ $565,000 = 6.0%
Cash-on-cash return
0.1%
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annual cash flow ÷ total cash invested
$105 ÷ $152,550 = 0.1%
DSCR
1.00x
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monthly NOI ÷ mortgage payment
$2,828 ÷ $2,819 = 1.00x
Break-even occupancy
94.8%
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(operating expenses + mortgage payment) ÷ gross rent
($1,257 + $2,819) ÷ $4,300 = 94.8%
Loan amount
$423,750
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purchase price − down payment
$565,000 − $141,250 (25%) = $423,750
Monthly P&I payment
$2,819
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amortized loan payment (rate ÷ 12, term × 12)
$423,750 at 7% over 30 yrs = $2,819/mo
Equity grows from $165,329 in year 1 to $433,358 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $165,329 |
| 2 | $190,412 |
| 3 | $216,545 |
| 4 | $243,777 |
| 5 | $272,160 |
| 6 | $301,749 |
| 7 | $332,601 |
| 8 | $364,776 |
| 9 | $398,340 |
| 10 | $433,358 |
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