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Deal Analyzer

Underwrite an investment property without the noise

Investment strategy

Long-term rental

Property Location

Street Address
City
Province
Country
Postal Code

Purchase & financing

Purchase price$500,000
Closing costs
$
Down payment20% = $100,000
Interest rate5.50%
Amortization25 yr

Income

Monthly rent$3,000
Vacancy rate5%
Annual rent growth0%

Operating costs

Property tax/yr
$
Insurance/yr
$
Maintenance5% rent
CapEx5%
Mgmt5%
Quick preview
Purchase price$500,000
Down payment$100,000
Loan amount$400,000
Monthly payment$2,456
Est. cash flow–$556/mo
Gross yield7.2%

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Analysis results

Needs a tighter basis

Buy & hold strategy
Cap rate
4.6%
Unlevered yield
Cash-on-cash
-5.8%
Return on equity
DSCR
0.77
Negative coverage
10-yr IRR
7.5%
Over holding period

Financing summary

Purchase price$500,000
Down payment$100,000
Closing costs$15,000
Total cash invested$115,000
Loan amount$400,000
Monthly payment$2,456

Income & expenses

Gross monthly rent$3,000
Vacancy loss–$150
Effective income$2,850
Operating expenses–$950
Monthly NOI$1,900
Mortgage payment–$2,456
Monthly cash flow–$556

Stress test

NOI / yr
$22,800
DSCR
0.77
Cash flow / yr
–$6,676
Cash-on-cash
-5.8%

Base: your inputs as entered.

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First-pass underwriting estimate. Operating costs modelled as % of rent; verify rents, expenses, taxes and lender DSCR before offering. Not financial advice.

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