$2,150,000 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 0/100
Property
$2,150,000 purchase · 20% down · 7% / 30yr
Gross monthly rent
$8,500
Monthly cash flow
-$7,318
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effective rent − operating expenses − mortgage payment
$8,075 − $3,950 − $11,443 = -$7,318/mo
NOI (annual)
$49,500
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(effective rent − operating expenses) × 12
($8,075 − $3,950) × 12 = $49,500
Cap rate
2.3%
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annual NOI ÷ purchase price
$49,500 ÷ $2,150,000 = 2.3%
Cash-on-cash return
-18.6%
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annual cash flow ÷ total cash invested
-$87,818 ÷ $473,000 = -18.6%
DSCR
0.36x
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monthly NOI ÷ mortgage payment
$4,125 ÷ $11,443 = 0.36x
Break-even occupancy
181.1%
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(operating expenses + mortgage payment) ÷ gross rent
($3,950 + $11,443) ÷ $8,500 = 181.1%
Loan amount
$1,720,000
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purchase price − down payment
$2,150,000 − $430,000 (20%) = $1,720,000
Monthly P&I payment
$11,443
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amortized loan payment (rate ÷ 12, term × 12)
$1,720,000 at 7% over 30 yrs = $11,443/mo
Equity grows from $522,722 in year 1 to $1,556,814 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $522,722 |
| 2 | $619,341 |
| 3 | $720,040 |
| 4 | $825,012 |
| 5 | $934,462 |
| 6 | $1,048,604 |
| 7 | $1,167,665 |
| 8 | $1,291,883 |
| 9 | $1,421,511 |
| 10 | $1,556,814 |
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