$1,850,000 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
$1,850,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$8,900
Monthly cash flow
-$3,594
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effective rent − operating expenses − mortgage payment
$8,455 − $2,818 − $9,231 = -$3,594/mo
NOI (annual)
$67,644
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(effective rent − operating expenses) × 12
($8,455 − $2,818) × 12 = $67,644
Cap rate
3.7%
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annual NOI ÷ purchase price
$67,644 ÷ $1,850,000 = 3.7%
Cash-on-cash return
-8.6%
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annual cash flow ÷ total cash invested
-$43,129 ÷ $499,500 = -8.6%
DSCR
0.61x
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monthly NOI ÷ mortgage payment
$5,637 ÷ $9,231 = 0.61x
Break-even occupancy
135.4%
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(operating expenses + mortgage payment) ÷ gross rent
($2,818 + $9,231) ÷ $8,900 = 135.4%
Loan amount
$1,387,500
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purchase price − down payment
$1,850,000 − $462,500 (25%) = $1,387,500
Monthly P&I payment
$9,231
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amortized loan payment (rate ÷ 12, term × 12)
$1,387,500 at 7% over 30 yrs = $9,231/mo
Equity grows from $541,344 in year 1 to $1,418,961 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $541,344 |
| 2 | $623,474 |
| 3 | $709,041 |
| 4 | $798,208 |
| 5 | $891,144 |
| 6 | $988,027 |
| 7 | $1,089,046 |
| 8 | $1,194,400 |
| 9 | $1,304,298 |
| 10 | $1,418,961 |
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