$825,000 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
$825,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$4,300
Monthly cash flow
-$1,726
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effective rent − operating expenses − mortgage payment
$4,085 − $1,694 − $4,117 = -$1,726/mo
NOI (annual)
$28,692
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(effective rent − operating expenses) × 12
($4,085 − $1,694) × 12 = $28,692
Cap rate
3.5%
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annual NOI ÷ purchase price
$28,692 ÷ $825,000 = 3.5%
Cash-on-cash return
-9.3%
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annual cash flow ÷ total cash invested
-$20,707 ÷ $222,750 = -9.3%
DSCR
0.58x
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monthly NOI ÷ mortgage payment
$2,391 ÷ $4,117 = 0.58x
Break-even occupancy
135.1%
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(operating expenses + mortgage payment) ÷ gross rent
($1,694 + $4,117) ÷ $4,300 = 135.1%
Loan amount
$618,750
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purchase price − down payment
$825,000 − $206,250 (25%) = $618,750
Monthly P&I payment
$4,117
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amortized loan payment (rate ÷ 12, term × 12)
$618,750 at 7% over 30 yrs = $4,117/mo
Equity grows from $241,410 in year 1 to $632,780 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $241,410 |
| 2 | $278,036 |
| 3 | $316,194 |
| 4 | $355,958 |
| 5 | $397,402 |
| 6 | $440,607 |
| 7 | $485,656 |
| 8 | $532,638 |
| 9 | $581,646 |
| 10 | $632,780 |
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