$1,395,000 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 0/100
Property
$1,395,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$6,800
Monthly cash flow
-$3,356
Show the mathThe math
effective rent − operating expenses − mortgage payment
$6,460 − $2,855 − $6,961 = -$3,356/mo
NOI (annual)
$43,260
Show the mathThe math
(effective rent − operating expenses) × 12
($6,460 − $2,855) × 12 = $43,260
Cap rate
3.1%
Show the mathThe math
annual NOI ÷ purchase price
$43,260 ÷ $1,395,000 = 3.1%
Cash-on-cash return
-10.7%
Show the mathThe math
annual cash flow ÷ total cash invested
-$40,269 ÷ $376,650 = -10.7%
DSCR
0.52x
Show the mathThe math
monthly NOI ÷ mortgage payment
$3,605 ÷ $6,961 = 0.52x
Break-even occupancy
144.3%
Show the mathThe math
(operating expenses + mortgage payment) ÷ gross rent
($2,855 + $6,961) ÷ $6,800 = 144.3%
Loan amount
$1,046,250
Show the mathThe math
purchase price − down payment
$1,395,000 − $348,750 (25%) = $1,046,250
Monthly P&I payment
$6,961
Show the mathThe math
amortized loan payment (rate ÷ 12, term × 12)
$1,046,250 at 7% over 30 yrs = $6,961/mo
Equity grows from $408,203 in year 1 to $1,069,973 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $408,203 |
| 2 | $470,133 |
| 3 | $534,656 |
| 4 | $601,892 |
| 5 | $671,971 |
| 6 | $745,026 |
| 7 | $821,200 |
| 8 | $900,642 |
| 9 | $983,511 |
| 10 | $1,069,973 |
Want to run your own numbers?
Change any assumption, or analyze a completely different property — free, no account needed.