$675,000 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 25/100
Property
$675,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$5,775
Monthly cash flow
$62
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effective rent − operating expenses − mortgage payment
$5,486 − $2,056 − $3,368 = $62/mo
NOI (annual)
$41,163
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(effective rent − operating expenses) × 12
($5,486 − $2,056) × 12 = $41,163
Cap rate
6.1%
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annual NOI ÷ purchase price
$41,163 ÷ $675,000 = 6.1%
Cash-on-cash return
0.4%
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annual cash flow ÷ total cash invested
$746 ÷ $182,250 = 0.4%
DSCR
1.02x
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monthly NOI ÷ mortgage payment
$3,430 ÷ $3,368 = 1.02x
Break-even occupancy
93.9%
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(operating expenses + mortgage payment) ÷ gross rent
($2,056 + $3,368) ÷ $5,775 = 93.9%
Loan amount
$506,250
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purchase price − down payment
$675,000 − $168,750 (25%) = $506,250
Monthly P&I payment
$3,368
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amortized loan payment (rate ÷ 12, term × 12)
$506,250 at 7% over 30 yrs = $3,368/mo
Equity grows from $197,518 in year 1 to $517,729 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $197,518 |
| 2 | $227,484 |
| 3 | $258,704 |
| 4 | $291,238 |
| 5 | $325,147 |
| 6 | $360,496 |
| 7 | $397,355 |
| 8 | $435,795 |
| 9 | $475,892 |
| 10 | $517,729 |
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