$1,150,000 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
$1,150,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$6,500
Monthly cash flow
-$2,195
Show the mathThe math
effective rent − operating expenses − mortgage payment
$6,175 − $2,632 − $5,738 = -$2,195/mo
NOI (annual)
$42,516
Show the mathThe math
(effective rent − operating expenses) × 12
($6,175 − $2,632) × 12 = $42,516
Cap rate
3.7%
Show the mathThe math
annual NOI ÷ purchase price
$42,516 ÷ $1,150,000 = 3.7%
Cash-on-cash return
-8.5%
Show the mathThe math
annual cash flow ÷ total cash invested
-$26,343 ÷ $310,500 = -8.5%
DSCR
0.62x
Show the mathThe math
monthly NOI ÷ mortgage payment
$3,543 ÷ $5,738 = 0.62x
Break-even occupancy
128.8%
Show the mathThe math
(operating expenses + mortgage payment) ÷ gross rent
($2,632 + $5,738) ÷ $6,500 = 128.8%
Loan amount
$862,500
Show the mathThe math
purchase price − down payment
$1,150,000 − $287,500 (25%) = $862,500
Monthly P&I payment
$5,738
Show the mathThe math
amortized loan payment (rate ÷ 12, term × 12)
$862,500 at 7% over 30 yrs = $5,738/mo
Equity grows from $336,511 in year 1 to $882,057 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $336,511 |
| 2 | $387,565 |
| 3 | $440,755 |
| 4 | $496,183 |
| 5 | $553,954 |
| 6 | $614,179 |
| 7 | $676,975 |
| 8 | $742,465 |
| 9 | $810,780 |
| 10 | $882,057 |
Want to run your own numbers?
Change any assumption, or analyze a completely different property — free, no account needed.