$365,000 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 68/100
Property
$365,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,700
Monthly cash flow
$513
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effective rent − operating expenses − mortgage payment
$3,515 − $1,181 − $1,821 = $513/mo
NOI (annual)
$28,008
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(effective rent − operating expenses) × 12
($3,515 − $1,181) × 12 = $28,008
Cap rate
7.7%
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annual NOI ÷ purchase price
$28,008 ÷ $365,000 = 7.7%
Cash-on-cash return
6.2%
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annual cash flow ÷ total cash invested
$6,153 ÷ $98,550 = 6.2%
DSCR
1.28x
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monthly NOI ÷ mortgage payment
$2,334 ÷ $1,821 = 1.28x
Break-even occupancy
81.1%
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(operating expenses + mortgage payment) ÷ gross rent
($1,181 + $1,821) ÷ $3,700 = 81.1%
Loan amount
$273,750
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purchase price − down payment
$365,000 − $91,250 (25%) = $273,750
Monthly P&I payment
$1,821
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amortized loan payment (rate ÷ 12, term × 12)
$273,750 at 7% over 30 yrs = $1,821/mo
Equity grows from $106,806 in year 1 to $279,957 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $106,806 |
| 2 | $123,010 |
| 3 | $139,892 |
| 4 | $157,484 |
| 5 | $175,820 |
| 6 | $194,935 |
| 7 | $214,866 |
| 8 | $235,652 |
| 9 | $257,334 |
| 10 | $279,957 |
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