Property Inputs
Acquisition & Financing
$
$
$
$
%
yrs
Income & Operating Expenses
$
%
$
$
$
% of value
% of EGI
$
Growth Assumptions (Annual)
% / yr
% / yr
% / yr
Annual Cash Flow Breakdown
Income
Gross Rental Income$26,400
Vacancy Loss (8%)($2,112)
Other Income$600
Effective Gross Income$24,888
Expenses
Property Tax($3,200)
Insurance($1,800)
Maintenance (1%)($2,850)
Property Mgmt (8%)($1,991)
NOI$15,047
Debt Service
Monthly Mortgage (P&I)($1,555)/mo
Annual Debt Service($18,664)
Loan Amount$228,000
DSCR0.81x
Net Cash Flow-$3,617/yr
Investment Ratios
Cap Rate5.28%
Cash-on-Cash Return-4.84%
Gross Rent Multiplier10.80x
Expense Ratio39.5%
Break-Even Occupancy108.0%
Total Invested$74,700
10-Year Projection
Equity & Value Growth
Property value vs. mortgage balance vs. equity over 10 years
Cash Flow Trajectory
Annual cash flow with rent growth
Year-by-Year Projection
| Year | Property Value | Equity | Annual Cash Flow | Cumulative CF | Total Return | Total ROI |
|---|---|---|---|---|---|---|
| Year 1 | $293,550 | $67,757 | -$3,617 | -$3,617 | -$10,561 | -14.1% |
| Year 2 | $302,357 | $78,935 | -$3,192 | -$6,809 | -$2,574 | -3.5% |
| Year 3 | $311,427 | $90,556 | -$2,755 | -$9,564 | $6,292 | 8.4% |
| Year 4 | $320,770 | $102,640 | -$2,306 | -$11,870 | $16,069 | 21.5% |
| Year 5 ★ | $330,393 | $115,209 | -$1,845 | -$13,715 | $26,794 | 35.9% |
| Year 6 | $340,305 | $128,289 | -$1,371 | -$15,087 | $38,502 | 51.5% |
| Year 7 | $350,514 | $141,903 | -$885 | -$15,971 | $51,232 | 68.6% |
| Year 8 | $361,029 | $156,078 | -$385 | -$16,356 | $65,023 | 87.0% |
| Year 9 | $371,860 | $170,843 | $129 | -$16,227 | $79,917 | 107.0% |
| Year 10 ★★ | $383,016 | $186,229 | $656 | -$15,570 | $95,958 | 128.5% |