$995,000 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 66/100
Property
$995,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$9,800
Monthly cash flow
$1,152
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effective rent − operating expenses − mortgage payment
$9,310 − $3,193 − $4,965 = $1,152/mo
NOI (annual)
$73,404
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(effective rent − operating expenses) × 12
($9,310 − $3,193) × 12 = $73,404
Cap rate
7.4%
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annual NOI ÷ purchase price
$73,404 ÷ $995,000 = 7.4%
Cash-on-cash return
5.1%
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annual cash flow ÷ total cash invested
$13,826 ÷ $268,650 = 5.1%
DSCR
1.23x
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monthly NOI ÷ mortgage payment
$6,117 ÷ $4,965 = 1.23x
Break-even occupancy
83.2%
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(operating expenses + mortgage payment) ÷ gross rent
($3,193 + $4,965) ÷ $9,800 = 83.2%
Loan amount
$746,250
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purchase price − down payment
$995,000 − $248,750 (25%) = $746,250
Monthly P&I payment
$4,965
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amortized loan payment (rate ÷ 12, term × 12)
$746,250 at 7% over 30 yrs = $4,965/mo
Equity grows from $291,155 in year 1 to $763,171 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $291,155 |
| 2 | $335,328 |
| 3 | $381,349 |
| 4 | $429,307 |
| 5 | $479,291 |
| 6 | $531,398 |
| 7 | $585,730 |
| 8 | $642,394 |
| 9 | $701,501 |
| 10 | $763,171 |
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