Subject property
Type a city and state to auto-load the market brief.
Property
Acquisition
Financing
Income
Expenses
Monthly cash flow
$427
$5,125 annually
Cash-on-cash
8.9%
Target 8%+
DSCR
1.42
Minimum 1.25
IRR (5-yr hold)
17.0%
Levered, incl. sale proceeds
Pro forma
Every figure below is derived from your inputs — no hidden assumptions.
- Gross monthly income
- $2,495
- Effective gross income
- $2,370
- Operating expenses
- - $916
- Monthly NOI
- $1,454
- Debt service
- - $1,027
- Monthly cash flow
- $427
- Annual NOI
- $17,454
- Cash-on-cash return
- 8.94%
- IRR (5-yr hold)
- 17.02%
- Equity multiple
- 2.00x
- Net sale proceeds
- $85,590
- Total cash required
- $57,324
- DSCR
- 1.42
- Loan-to-value
- 80.0%
- Gross rent multiplier
- 6.61
- Break-even occupancy
- 77.9%
- Loan amount
- $158,400
Monthly expense breakdown
Deal score
18 Ridge Rd, Pitman, NJ 08071 · Single-family
Verdict
Potentially Attractive
Weighted across financial, cash flow, financing, risk, property and market factors.
Financial
46
8.9% cash-on-cash
Cash Flow
73
$427/mo
Financing
90
80% LTV @ 6.75%
Risk
93
78% break-even
Property
74
3bd / 1480 sqft
Market
84
1.24% rent ratio
Strengths
- Cash-on-cash of 8.9% clears your 8% target
- DSCR of 1.42 is above your 1.25 threshold
- Purchase price sits below estimated market value
Risks
- Cash flow of $427/mo is under your $500 target
- Total cash required exceeds available capital — reserves would be thin
Missing information
- Bound insurance quote (currently an assumption)
- Two written contractor bids on the rehab scope
- Three comparable rents within 1 mile
- Professional inspection report
Market risk alerts
Key risks from the AI market brief for the market you are buying in.
No market data available yet. Add markets in Market Research to see risk alerts here.
AI recommendation
I would not make an offer yet. The projected returns are attractive, but your renovation estimate is the largest uncertainty in this model. Get at least two contractor estimates and a bound insurance quote before proceeding.
Note what is fact and what is assumption here: the purchase price is a fact, the $2,450 rent and $8,000 rehab are assumptions you supplied. Your entire return depends on them holding.