$385,000 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
$385,000 purchase · 25% down · 7% / 30yr
Gross monthly rent
$3,325
Monthly cash flow
$72
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effective rent − operating expenses − mortgage payment
$3,159 − $1,166 − $1,921 = $72/mo
NOI (annual)
$23,913
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(effective rent − operating expenses) × 12
($3,159 − $1,166) × 12 = $23,913
Cap rate
6.2%
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annual NOI ÷ purchase price
$23,913 ÷ $385,000 = 6.2%
Cash-on-cash return
0.8%
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annual cash flow ÷ total cash invested
$860 ÷ $103,950 = 0.8%
DSCR
1.04x
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monthly NOI ÷ mortgage payment
$1,993 ÷ $1,921 = 1.04x
Break-even occupancy
92.8%
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(operating expenses + mortgage payment) ÷ gross rent
($1,166 + $1,921) ÷ $3,325 = 92.8%
Loan amount
$288,750
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purchase price − down payment
$385,000 − $96,250 (25%) = $288,750
Monthly P&I payment
$1,921
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amortized loan payment (rate ÷ 12, term × 12)
$288,750 at 7% over 30 yrs = $1,921/mo
Equity grows from $112,658 in year 1 to $295,297 in year 10, driven by loan paydown and property appreciation.
| Year | Equity |
|---|---|
| 1 | $112,658 |
| 2 | $129,750 |
| 3 | $147,557 |
| 4 | $166,114 |
| 5 | $185,454 |
| 6 | $205,616 |
| 7 | $226,639 |
| 8 | $248,564 |
| 9 | $271,435 |
| 10 | $295,297 |
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