$639,000 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
$639,000 purchase · 20% down · 7% / 30yr
Gross monthly rent
$3,150
Monthly cash flow
-$2,197
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effective rent − operating expenses − mortgage payment
$2,993 − $1,788 − $3,401 = -$2,197/mo
NOI (annual)
$14,454
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(effective rent − operating expenses) × 12
($2,993 − $1,788) × 12 = $14,454
Cap rate
2.3%
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annual NOI ÷ purchase price
$14,454 ÷ $639,000 = 2.3%
Cash-on-cash return
-18.7%
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annual cash flow ÷ total cash invested
-$26,358 ÷ $140,600 = -18.7%
DSCR
0.35x
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monthly NOI ÷ mortgage payment
$1,205 ÷ $3,401 = 0.35x
Break-even occupancy
164.7%
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(operating expenses + mortgage payment) ÷ gross rent
($1,788 + $3,401) ÷ $3,150 = 164.7%
Loan amount
$511,200
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purchase price − down payment
$639,000 − $127,800 (20%) = $511,200
Monthly P&I payment
$3,401
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amortized loan payment (rate ÷ 12, term × 12)
$511,200 at 7% over 30 yrs = $3,401/mo
Equity grows from $155,358 in year 1 to $462,700 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $155,358 |
| 2 | $184,074 |
| 3 | $214,002 |
| 4 | $245,201 |
| 5 | $277,731 |
| 6 | $311,655 |
| 7 | $347,041 |
| 8 | $383,960 |
| 9 | $422,486 |
| 10 | $462,700 |
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