Long-Term Rental
Pass
Target: Cash-on-Cash > 8% and DSCR > 1.2
CoC -2.29% ✗DSCR 0.90 ✗
Monthly Cash Flow
-$182
-$2,186 / year
Cash-on-Cash
-2.29%
on $95,500 invested
Cap Rate
5.63%
NOI $19,719/yr
DSCR
0.90
High Risk
Gross Rent Multiplier11.22
1% Rule0.74%
Loan Amount$280,000
Monthly Expense Breakdown
Total / mo$2,700
- Mortgage P&I$1,825.39
- Property Tax$300.00
- Insurance$116.67
- Management$197.60
- Reserves$260.00
10-Year Projection
Cash Flow Summary
| Line item | Monthly | Annual |
|---|---|---|
| Gross Potential Income | $2,650.00 | $31,800 |
| Less: Vacancy | -$132.50 | -$1,590 |
| Effective Gross Income | $2,517.50 | $30,210 |
| Property Taxes | -$300.00 | -$3,600 |
| Insurance | -$116.67 | -$1,400 |
| HOA | -$0.00 | -$0 |
| Management | -$197.60 | -$2,371 |
| Maintenance | -$130.00 | -$1,560 |
| CapEx | -$130.00 | -$1,560 |
| Total Operating Expenses | -$874.27 | -$10,491 |
| Net Operating Income | $1,643.23 | $19,719 |
| Debt Service (P&I) | -$1,825.39 | -$21,905 |
| Net Cash Flow | -$182.16 | -$2,186 |
| Total Cash Invested | $70,000 down + $15,000 rehab + $10,500 closing + $0 furnishing = $95,500 | |