$615,000 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
$615,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$2,900
Monthly cash flow
-$1,908
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effective rent − operating expenses − mortgage payment
$2,755 − $1,594 − $3,069 = -$1,908/mo
NOI (annual)
$13,932
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(effective rent − operating expenses) × 12
($2,755 − $1,594) × 12 = $13,932
Cap rate
2.3%
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annual NOI ÷ purchase price
$13,932 ÷ $615,000 = 2.3%
Cash-on-cash return
-13.8%
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annual cash flow ÷ total cash invested
-$22,892 ÷ $166,050 = -13.8%
DSCR
0.38x
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monthly NOI ÷ mortgage payment
$1,161 ÷ $3,069 = 0.38x
Break-even occupancy
160.8%
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(operating expenses + mortgage payment) ÷ gross rent
($1,594 + $3,069) ÷ $2,900 = 160.8%
Loan amount
$461,250
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purchase price − down payment
$615,000 − $153,750 (25%) = $461,250
Monthly P&I payment
$3,069
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amortized loan payment (rate ÷ 12, term × 12)
$461,250 at 7% over 30 yrs = $3,069/mo
Equity grows from $179,960 in year 1 to $471,709 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $179,960 |
| 2 | $207,263 |
| 3 | $235,708 |
| 4 | $265,350 |
| 5 | $296,245 |
| 6 | $328,452 |
| 7 | $362,034 |
| 8 | $397,057 |
| 9 | $433,591 |
| 10 | $471,709 |
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