$339,000 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 60/100
Property
$339,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,650
Monthly cash flow
$408
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effective rent − operating expenses − mortgage payment
$3,468 − $1,368 − $1,692 = $408/mo
NOI (annual)
$25,194
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(effective rent − operating expenses) × 12
($3,468 − $1,368) × 12 = $25,194
Cap rate
7.4%
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annual NOI ÷ purchase price
$25,194 ÷ $339,000 = 7.4%
Cash-on-cash return
5.3%
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annual cash flow ÷ total cash invested
$4,896 ÷ $91,550 = 5.3%
DSCR
1.24x
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monthly NOI ÷ mortgage payment
$2,100 ÷ $1,692 = 1.24x
Break-even occupancy
83.8%
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(operating expenses + mortgage payment) ÷ gross rent
($1,368 + $1,692) ÷ $3,650 = 83.8%
Loan amount
$254,250
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purchase price − down payment
$339,000 − $84,750 (25%) = $254,250
Monthly P&I payment
$1,692
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amortized loan payment (rate ÷ 12, term × 12)
$254,250 at 7% over 30 yrs = $1,692/mo
Equity grows from $99,198 in year 1 to $260,015 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $99,198 |
| 2 | $114,247 |
| 3 | $129,927 |
| 4 | $146,266 |
| 5 | $163,296 |
| 6 | $181,049 |
| 7 | $199,560 |
| 8 | $218,866 |
| 9 | $239,004 |
| 10 | $260,015 |
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