$735,000 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 1/100
Property
$735,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,900
Monthly cash flow
-$1,434
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effective rent − operating expenses − mortgage payment
$3,705 − $1,472 − $3,667 = -$1,434/mo
NOI (annual)
$26,796
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(effective rent − operating expenses) × 12
($3,705 − $1,472) × 12 = $26,796
Cap rate
3.6%
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annual NOI ÷ purchase price
$26,796 ÷ $735,000 = 3.6%
Cash-on-cash return
-8.7%
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annual cash flow ÷ total cash invested
-$17,214 ÷ $198,450 = -8.7%
DSCR
0.61x
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monthly NOI ÷ mortgage payment
$2,233 ÷ $3,667 = 0.61x
Break-even occupancy
131.8%
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(operating expenses + mortgage payment) ÷ gross rent
($1,472 + $3,667) ÷ $3,900 = 131.8%
Loan amount
$551,250
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purchase price − down payment
$735,000 − $183,750 (25%) = $551,250
Monthly P&I payment
$3,667
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amortized loan payment (rate ÷ 12, term × 12)
$551,250 at 7% over 30 yrs = $3,667/mo
Equity grows from $215,075 in year 1 to $563,749 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $215,075 |
| 2 | $247,704 |
| 3 | $281,700 |
| 4 | $317,126 |
| 5 | $354,049 |
| 6 | $392,540 |
| 7 | $432,675 |
| 8 | $474,532 |
| 9 | $518,194 |
| 10 | $563,749 |
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