$925,000 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 2/100
Property
$925,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$5,200
Monthly cash flow
-$1,702
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effective rent − operating expenses − mortgage payment
$4,940 − $2,026 − $4,616 = -$1,702/mo
NOI (annual)
$34,968
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(effective rent − operating expenses) × 12
($4,940 − $2,026) × 12 = $34,968
Cap rate
3.8%
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annual NOI ÷ purchase price
$34,968 ÷ $925,000 = 3.8%
Cash-on-cash return
-8.2%
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annual cash flow ÷ total cash invested
-$20,418 ÷ $249,750 = -8.2%
DSCR
0.63x
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monthly NOI ÷ mortgage payment
$2,914 ÷ $4,616 = 0.63x
Break-even occupancy
127.7%
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(operating expenses + mortgage payment) ÷ gross rent
($2,026 + $4,616) ÷ $5,200 = 127.7%
Loan amount
$693,750
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purchase price − down payment
$925,000 − $231,250 (25%) = $693,750
Monthly P&I payment
$4,616
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amortized loan payment (rate ÷ 12, term × 12)
$693,750 at 7% over 30 yrs = $4,616/mo
Equity grows from $270,672 in year 1 to $709,480 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $270,672 |
| 2 | $311,737 |
| 3 | $354,521 |
| 4 | $399,104 |
| 5 | $445,572 |
| 6 | $494,014 |
| 7 | $544,523 |
| 8 | $597,200 |
| 9 | $652,149 |
| 10 | $709,480 |
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