$235,000 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 27/100
Property
$235,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$2,100
Monthly cash flow
$49
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effective rent − operating expenses − mortgage payment
$1,995 − $773 − $1,173 = $49/mo
NOI (annual)
$14,664
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(effective rent − operating expenses) × 12
($1,995 − $773) × 12 = $14,664
Cap rate
6.2%
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annual NOI ÷ purchase price
$14,664 ÷ $235,000 = 6.2%
Cash-on-cash return
0.9%
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annual cash flow ÷ total cash invested
$593 ÷ $63,450 = 0.9%
DSCR
1.04x
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monthly NOI ÷ mortgage payment
$1,222 ÷ $1,173 = 1.04x
Break-even occupancy
92.6%
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(operating expenses + mortgage payment) ÷ gross rent
($773 + $1,173) ÷ $2,100 = 92.6%
Loan amount
$176,250
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purchase price − down payment
$235,000 − $58,750 (25%) = $176,250
Monthly P&I payment
$1,173
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amortized loan payment (rate ÷ 12, term × 12)
$176,250 at 7% over 30 yrs = $1,173/mo
Equity grows from $68,765 in year 1 to $180,246 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $68,765 |
| 2 | $79,198 |
| 3 | $90,067 |
| 4 | $101,394 |
| 5 | $113,199 |
| 6 | $125,506 |
| 7 | $138,338 |
| 8 | $151,721 |
| 9 | $165,681 |
| 10 | $180,246 |
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