Investment Analysis
11241 Northwest 55TH LN, Doral, Florida, 33178 - United States
At a glance
Executive Summary
Executive Summary
This section gives a quick investment read before the deeper underwriting sections. It helps the viewer understand the opportunity, the likely fit, and the biggest review points in plain language.
Executive Summary
This section gives a quick investment read before the deeper underwriting sections. It helps the viewer understand the opportunity, the likely fit, and the biggest review points in plain language.
A quick read on the opportunity before the full underwriting detail.
Key Deal Snapshot
Key Deal Snapshot The key deal snapshot highlights the small set of numbers most people use first to judge the opportunity, including price, value, cash needed, income, and exit potential.
Purchase Price
$730,000.00
Market Value
$799,000.00
Cash Needed
$485,700.71
Monthly Cash Flow
Monthly Cash Flow Cash flow is the money left after operating expenses and debt payments are covered. Positive cash flow can support the investor over time, while weak or negative cash flow may reduce flexibility and increase risk. This is the cash flow for the first year.
$1,233.33
Cap Rate
Cap Rate Cap Rate compares NOI to the property price or value. It matters because it gives investors a quick way to compare income-producing properties and judge whether the return is strong relative to price.
3.85%
Exit ROI
Exit ROI Exit ROI estimates the total return at the time of sale relative to the investor's cash invested. It matters because it helps show whether the projected future payoff justifies the capital and time committed today.
8.98%
This scenario projects $1,233.33 in monthly cash flow on $485,700.71 of cash needed, with a 3.85% cap rate and 3.05% cash-on-cash return. The working market value sits above the current purchase price scenario, which may support negotiations if local comps confirm it.
Best fit for
Best fit for Best fit for describes the investor profile this scenario appears to suit best based on the current mix of cash flow, leverage, appreciation, and refinance potential.
BRRRR or refinance-focused investors
Why this deal stands out
Why this deal stands out This list summarizes the strongest supporting points in the current scenario so the viewer can quickly see what is working in the deal today.
- check_circle The working market value is above the current purchase price scenario.
- check_circle Projected first-year cash flow remains positive after expenses and debt service.
- check_circle Debt coverage shows a healthier payment cushion under the current loan terms.
What to review
What to review This list highlights the assumptions or risks that deserve confirmation before relying on the report for negotiations or investment decisions.
- warning Confirm the final negotiated price before relying on projected returns.
- warning Verify rent support with local comps and current listings.
- warning Confirm property condition, deferred maintenance, and any rehab scope during due diligence.
Property Basic Information
Property Basic Information
This section gives the core physical and purchase facts about the property. It matters because investors first need to understand what they are buying before they can judge pricing, financing, rent potential, and long-term risk.
Property Basic Information
This section gives the core physical and purchase facts about the property. It matters because investors first need to understand what they are buying before they can judge pricing, financing, rent potential, and long-term risk.
Purchase Price
This is the amount paid to purchase the property. It matters because it sets the starting point for financing, cash needed, returns, and overall risk. Investors use it to decide whether the deal is being bought at a reasonable basis compared with market value, expected income, and renovation needs.
Market Value
Market value is the estimated current worth of the property in today's market. It helps investors compare the asking or purchase price against what the property may realistically be worth, which is important for judging upside, equity, and risk.
Beds
Beds tells you how many bedrooms the property has. Bedroom count matters because it strongly affects tenant demand, resale appeal, and rental income potential in many markets.
Baths
Baths shows the number of bathrooms in the property. Bathroom count is important because it affects comfort, marketability, tenant demand, and how competitive the property is versus similar listings.
Construction Sq Ft
Construction square footage measures the livable interior size of the property. Investors use it to compare price per square foot, estimate rent potential, and evaluate whether the layout and size fit the target market.
Lot Sq Ft
Lot square footage measures the size of the land the property sits on. This matters because land size can influence property value, expansion potential, usability, and long-term resale appeal.
Year Built
Year built helps investors understand the property's age and likely condition. Older properties may carry more maintenance risk or capital expenditure needs, while newer ones may offer lower near-term repair costs.
Property Type
Property type identifies what kind of asset this is, such as single-family, condo, or another residential product. This matters because financing options, expenses, rent demand, and resale behavior often vary by property type.
Traffic-Light Investment Rating
Traffic-Light Investment Rating
Internal investment confidence score based on current underwriting inputs. This is not a literal probability of success.
Traffic-Light Investment Rating
Internal investment confidence score based on current underwriting inputs. This is not a literal probability of success.
A 0-100 underwriting confidence score built from cash flow, leverage, market support, condition, reserves, and exit flexibility.
Confidence
Strong cash flow, reasonable leverage, and supportive underwriting assumptions make this property a strong candidate.
Cash Flow / DSCR
Cash Flow / DSCR This category rewards strong DSCR and positive monthly cash flow, while negative carry materially reduces the score.
Evaluates debt coverage and real cash flow cushion under the current underwriting.
30/30
Leverage / LTV
Leverage / LTV Lower leverage earns a stronger score because the investment has more equity protection and less sensitivity to value changes.
Measures how aggressively the deal is financed relative to current value.
15/15
Market and Rent Support
Market and Rent Support This score is inferred from current underwriting signals such as vacancy, rent growth, expense growth, and yield because explicit rent-comp inputs are not yet part of the section.
Uses vacancy, rent growth, expense growth, cap rate, and appreciation assumptions as market support proxies.
14/20
Property Condition / Deferred Maintenance
Property Condition / Deferred Maintenance Uses the reported overall condition, inspection status, and immediate repairs estimate when available. Missing information receives moderate neutral treatment, with year built and rehab used only as fallback indicators.
Condition information incomplete; inspection recommended.
10/15
Reserves / Risk Buffer
Reserves / Risk Buffer Deals with stronger reserve-month coverage are more resilient to vacancy, repairs, and operating surprises.
Reflects the reserve coverage already stored with the deal.
10/10
Exit Flexibility / Appreciation Potential
Exit Flexibility / Appreciation Potential This category evaluates whether the property retains practical exit options after selling costs, remaining debt, and a lower resale-price scenario. Days on market and buyer demand are not scored unless reliable market data is available.
Uses exit returns, resale-price sensitivity, remaining debt, selling costs, price-to-rent ratio, appreciation, and capital flexibility.
7/10
Potential Improvements
- trending_up Maintain disciplined underwriting and confirm final deal terms
Weakest Areas
- warning Property Condition / Deferred Maintenance
- warning Market and Rent Support
- warning Exit Flexibility / Appreciation Potential
Strength Aspects
- check_circle Cash Flow / DSCR
- check_circle Leverage / LTV
- check_circle Reserves / Risk Buffer
Stress Test
Stress Test
This sensitivity test applies a combined downside scenario to the current report values, including lower rent and exit value and higher vacancy, expenses, taxes, insurance, interest, and rehab costs when applicable. It helps show the deal's resilience and margin of safety if conditions become less favorable. It is an analytical scenario, not a prediction of future performance.
Stress Test
This sensitivity test applies a combined downside scenario to the current report values, including lower rent and exit value and higher vacancy, expenses, taxes, insurance, interest, and rehab costs when applicable. It helps show the deal's resilience and margin of safety if conditions become less favorable. It is an analytical scenario, not a prediction of future performance.
Sensitivity scenario, not a prediction.
The deal falls from Green to Yellow-Green under the stress case.
The projected exit return becomes negative under the stress case.
Base
86 - Green
Stress
79 - Yellow-Green
View stressed metrics and assumptions
Monthly Cash Flow
$407.89
Debt Coverage Ratio
1.32
Cap Rate
2.74%
Exit ROI
-1.27%
Applied assumptions
- - Rent -5%
- - Vacancy +5 percentage points
- - Operating expenses +10%
- - Exit value -5%
- - Taxes and insurance +15%
- - Interest rate +1 percentage point
- - Rehab budget +20%
calculate View Rating Methodology
How This Rating Is Calculated
The 0-100 rating is the sum of the category scores below. It uses the current report values, including changes entered by the report owner or a shared-scenario viewer.
| Category | Current Score | Maximum | Main Criteria |
|---|---|---|---|
| Cash Flow / DSCR | 30 | 30 | This category rewards strong DSCR and positive monthly cash flow, while negative carry materially reduces the score. |
| Leverage / LTV | 15 | 15 | Lower leverage earns a stronger score because the investment has more equity protection and less sensitivity to value changes. |
| Market and Rent Support | 14 | 20 | This score is inferred from current underwriting signals such as vacancy, rent growth, expense growth, and yield because explicit rent-comp inputs are not yet part of the section. |
| Property Condition / Deferred Maintenance | 10 | 15 | Uses the reported overall condition, inspection status, and immediate repairs estimate when available. Missing information receives moderate neutral treatment, with year built and rehab used only as fallback indicators. |
| Reserves / Risk Buffer | 10 | 10 | Deals with stronger reserve-month coverage are more resilient to vacancy, repairs, and operating surprises. |
| Exit Flexibility / Appreciation Potential | 7 | 10 | This category evaluates whether the property retains practical exit options after selling costs, remaining debt, and a lower resale-price scenario. Days on market and buyer demand are not scored unless reliable market data is available. |
Rating Bands
Missing information: Unavailable condition inputs receive moderate neutral treatment; the system does not invent verified property facts.
Stress test: The stress result is calculated separately by applying adverse assumptions to the current report values.
Important: This rating is an underwriting indicator for comparison and review. It is not a guarantee, appraisal, investment recommendation, or probability of success.
Financial Overview
Financial Overview
This section summarizes the key financing assumptions behind the deal. It matters because even a strong property can become a weak investment if the debt structure, leverage, or cash requirement does not match the investor's goals.
Financial Overview
This section summarizes the key financing assumptions behind the deal. It matters because even a strong property can become a weak investment if the debt structure, leverage, or cash requirement does not match the investor's goals.
Market Value
Market value is the estimated current worth of the property in today's market. It helps investors compare the asking or purchase price against what the property may realistically be worth, which is important for judging upside, equity, and risk.
Down Payment
The down payment is the upfront cash contributed toward the purchase price. It matters because it affects leverage, monthly payments, lender risk, and the amount of cash the investor must commit to the deal.
Loan Amount
Loan amount is the total borrowed portion of the purchase. It matters because it drives debt service, leverage, risk exposure, and how much of the investor's own capital stays available for other opportunities.
Loan to Cost (LTC)
Loan to Cost, or LTC, compares the loan amount to the total project cost. Investors use it to understand how aggressively the deal is financed and how much cash they must still bring in to complete the acquisition and improvements.
Loan to Value (LTV)
Loan to Value, or LTV, compares the loan amount to the property's value. It matters because it shows how much equity cushion exists and helps investors judge lender risk, refinance flexibility, and downside protection.
Financing %
Financing percent shows what share of the purchase is funded with debt instead of cash. This matters because higher leverage can improve returns, but it can also increase payment pressure and overall deal risk.
Loan Type
Loan type describes the financing structure, such as conventional, FHA, or another loan product. It matters because different loan types can change rates, fees, qualification rules, mortgage insurance, and flexibility over time.
APR
APR, or Annual Percentage Rate, is the yearly cost of borrowing, including the interest rate and certain financing costs. Investors use it to compare loan options more accurately and to understand the true cost of debt.
Cash Flow Overview
Cash Flow Overview
This section highlights whether the property is likely to produce usable income after expenses and debt service. For most investors, cash flow is one of the clearest signals of whether a property supports their strategy or creates ongoing pressure.
Cash Flow Overview
This section highlights whether the property is likely to produce usable income after expenses and debt service. For most investors, cash flow is one of the clearest signals of whether a property supports their strategy or creates ongoing pressure.
Cash Needed
Cash needed is the total upfront cash required to close and stabilize the deal. It matters because investors need to know how much capital will be tied up before they can judge returns, liquidity, and opportunity cost.
Cash Flow
Cash flow is the money left after operating expenses and debt payments are covered. Positive cash flow can support the investor over time, while weak or negative cash flow may reduce flexibility and increase risk. This is the cash flow for the first year.
Net Operating Income (NOI)
Net Operating Income, or NOI, measures property income after operating expenses but before loan payments. Investors use NOI to judge how the property performs on its own, independent of financing choices.
Monthly Rent
Monthly gross rent used in the cash flow calculations.
Cap Rate
Cap Rate compares NOI to the property price or value. It matters because it gives investors a quick way to compare income-producing properties and judge whether the return is strong relative to price.
Cash-on-Cash
Cash-on-Cash return measures the cash flow produced relative to the investor's actual cash invested. It matters because it focuses on how efficiently the investor's own money is working in the deal.
GRM
GRM, or Gross Rent Multiplier, compares the property price to its gross rent. It is a simple screening tool investors use to judge whether a deal looks expensive or attractive before doing deeper analysis.
Debt Coverage Ratio (DCR)
Debt Coverage Ratio, or DCR, compares NOI to annual debt service. It matters because it shows how comfortably the property can support its loan payments, which is important for both lender approval and investor safety.
Vacancy Rate
Vacancy rate estimates the share of rent that may be lost due to turnover or empty units. Investors use it to avoid overestimating income and to make more realistic decisions about property performance.
Appreciation Overview
Appreciation Overview
This section focuses on value growth and wealth creation over time. It matters because some deals are attractive not only for current cash flow, but also for future equity growth, inflation benefits, and long-term payoff.
Appreciation Overview
This section focuses on value growth and wealth creation over time. It matters because some deals are attractive not only for current cash flow, but also for future equity growth, inflation benefits, and long-term payoff.
Annual Appreciation
Annual appreciation is the expected yearly growth in property value. It matters because even modest appreciation can significantly improve long-term wealth, resale value, and equity buildup.
Equity Growth (Appreciation)
Equity Growth from Appreciation estimates how much owner wealth is created as the property value rises. Investors care about this because appreciation can add meaningful returns beyond monthly cash flow.
ROI from Appreciation
ROI from Appreciation shows how much return is created from rising value compared with the original investment. It matters because it helps investors see how much of the deal's return depends on future price growth.
Consumer Price Index (CPI)
Consumer Price Index, or CPI, is used here as a simple inflation reference. It matters because inflation affects real purchasing power, the burden of debt, and how investors interpret gains in future dollars.
Real Debt Reduction
Real debt reduction estimates how inflation can reduce the true economic weight of fixed debt over time. Investors use this to understand how borrowing can become easier to carry in real terms as prices and incomes rise.
Annual Debt Service (P&I)
Annual Debt Service is the total yearly principal and interest paid on the loan. It matters because this is one of the biggest recurring obligations in the deal and directly affects cash flow coverage.
Equity via Loan Reduction
Equity via loan reduction measures the wealth created by paying down the mortgage balance. Investors care about this because part of the return comes from debt being reduced over time, not just from cash flow or appreciation.
Exit Strategy Overview
Exit Strategy Overview
This section estimates what the investor may gain when the deal is sold or refinanced. It matters because good investments are judged not only by ongoing performance, but also by how capital can be recovered or profits realized at exit.
Exit Strategy Overview
This section estimates what the investor may gain when the deal is sold or refinanced. It matters because good investments are judged not only by ongoing performance, but also by how capital can be recovered or profits realized at exit.
Selling Costs
Selling costs are the expenses expected when disposing of the property, such as fees, commissions, and transaction costs. They matter because they reduce the final proceeds the investor actually keeps.
Exit Price
Exit price is the projected value or sale price at the end of the hold period. Investors use it to estimate future proceeds and to judge whether the expected appreciation supports the strategy.
Holding Period
Holding period is the amount of time the investor plans to own the property before selling or refinancing. It matters because returns, appreciation, loan paydown, and risk can look very different over short versus long timelines.
Exit ROI
Exit ROI estimates the total return at the time of sale relative to the investor's cash invested. It matters because it helps show whether the projected future payoff justifies the capital and time committed today.
BRRRR Max Refi Loan
BRRRR Max Refi Loan estimates the largest refinance loan available under the current assumptions. It matters because it helps investors understand how much capital could potentially be recovered after stabilizing the property.
BRRRR Net Cash-Out
BRRRR Net Cash-Out estimates how much refinance cash may remain after paying off the old loan and refinance costs. Investors use it to judge whether the deal can return capital for reuse in another property.
Capital Recycled
Capital Recycled shows what percentage of the investor's original cash may be pulled back out through refinancing. It matters because strong capital recycling can improve portfolio growth and deal efficiency.
Cash Left In Deal
Cash Left In Deal estimates how much investor capital remains tied up after a refinance. It matters because this shows whether the investor is truly freeing cash or still leaving a large amount trapped in the property.
Total Profit at Exit
Total Profit at Exit measures the projected profit from a sale after selling costs, remaining loan payoff, and the original cash invested are accounted for. It matters because it shows how much money the investor may actually keep by exiting through a sale.
Refinance Assumptions
Refinance Assumptions These assumptions explain the rules used to estimate the refinance outcome, including the maximum LTV and closing costs. They matter because small changes in refinance terms can meaningfully change how much cash comes back to the investor.
BRRRR refinance calculations use the saved assumptions for this property: 75.00% max LTV and 3.00% refinance costs.
Financial Information Details
Financial Information Details
This section breaks the financing picture into more detail so the investor can see where the money is going. It matters because a deal can look attractive at a high level but become less compelling once costs and payment structure are fully understood.
Financial Information Details
This section breaks the financing picture into more detail so the investor can see where the money is going. It matters because a deal can look attractive at a high level but become less compelling once costs and payment structure are fully understood.
Capital Stack
Capital Stack
Capital Stack shows how the project is funded across debt and cash. Investors use it to understand how much money comes from the lender, how much comes from them, and how the full deal cost is being covered.
Capital Stack
Capital Stack shows how the project is funded across debt and cash. Investors use it to understand how much money comes from the lender, how much comes from them, and how the full deal cost is being covered.
| Component | Amount | % of Purchase |
|---|---|---|
| Down Payment | $450,000.00 | 61.64% |
| Loan Amount | $280,000.00 | 38.36% |
|
Closing Costs
Closing Costs Closing costs are transaction expenses paid to complete the purchase or financing. They matter because they raise the investor's total basis in the deal and can reduce returns if ignored. |
$6,850.00 | 0.94% |
|
Rehab Budget
Rehab Budget Rehab budget is the money set aside for repairs, renovations, or updates. Investors use it to judge whether enough capital has been planned to bring the property to its intended condition and income potential. |
$20,000.00 | 2.74% |
| Total Project Cost | $756,850.00 | 100.00% |
Loan Structure
Monthly Payment
Monthly payment is the recurring amount required to service the loan and related housing costs. It matters because this is one of the clearest drivers of affordability, cash flow, and holding risk.
Total Interest (Life of Loan)
Total Interest over the life of the loan shows how much borrowing costs add up over time. It matters because long loan terms and higher rates can dramatically increase the total cost of owning the property.
Total Mortgage Cost (Life of Loan)
Monthly Payment Summary
Monthly Payment Summary
This section shows how the monthly loan payment is divided across principal, interest, taxes, insurance, and mortgage insurance items. It matters because investors need to know what is driving the required housing payment and which items may change over time.
Monthly Payment Summary
This section shows how the monthly loan payment is divided across principal, interest, taxes, insurance, and mortgage insurance items. It matters because investors need to know what is driving the required housing payment and which items may change over time.
| Component | Amount | % of Total Payment |
|---|---|---|
|
P & I Payment
P & I Payment P & I Payment is the principal and interest portion of the mortgage payment. Investors focus on this because it is the core debt cost before taxes, insurance, and other escrow items are added. |
$1,106.34 | 62.47% |
|
Underwritten Property Taxes
Property Taxes Property taxes are recurring payments owed to the local taxing authority. They matter because they directly reduce cash flow and can increase over time depending on assessments and local policy. |
$499.58 | 28.21% |
| Current Property Taxes | $499.58 | Reference |
| Estimated Post-Purchase Taxes | $0.00 | Not available |
|
Insurance(s)
Insurance(s) Insurance protects the property and the investor against covered risks. It matters because it is a required operating cost for many deals and can materially affect the monthly payment and annual expense burden. |
$165.00 | 9.32% |
|
Private Mortgage Insurance (PMI)
Private Mortgage Insurance (PMI) Private Mortgage Insurance, or PMI, is an added cost that may apply when leverage is high on certain loan types. Investors watch it closely because it raises monthly costs without building equity. |
$0.00 | 0.00% |
|
Mortgage Insurance Premium (MIP)
Mortgage Insurance Premium (MIP) Mortgage Insurance Premium, or MIP, is a mortgage insurance charge tied to some government-backed loans. It matters because it increases the cost of financing and can reduce deal cash flow. |
$0.00 | 0.00% |
| Total Monthly Loan Payment | $1,770.92 | 100.00% |
Monthly Operating Expense Summary
Monthly Operating Expense Summary
This section breaks down recurring monthly operating expenses that are separate from the mortgage payment, such as management, maintenance, rent commission, and other landlord-paid costs.
Monthly Operating Expense Summary
This section breaks down recurring monthly operating expenses that are separate from the mortgage payment, such as management, maintenance, rent commission, and other landlord-paid costs.
| Component | Amount | % of Operating Expenses |
|---|---|---|
|
Management
Management Management is the monthly cost of professional property management or rental oversight, including tenant coordination, collections, and day-to-day supervision. |
$127.00 | 9.24% |
|
Maintenance
Maintenance Maintenance is the monthly amount reserved for routine repairs, upkeep, and ongoing property care needed to keep the rental in good condition. |
$125.00 | 9.10% |
|
Rent Commission
Rent Commission Rent Commission is the monthly allocation for leasing or tenant-placement costs, including commissions or fees paid to market the property and secure tenants. |
$150.00 | 10.92% |
|
Other
Other Other includes additional recurring costs not captured in the main payment categories. Investors should review this carefully because even smaller monthly costs can materially reduce annual returns. |
$582.00 | 42.36% |
| HOA / Association | $390.00 | 28.38% |
| Utilities | $0.00 | 0.00% |
| Advertising | $0.00 | 0.00% |
| CapEx Reserve | $0.00 | 0.00% |
| Internet | $0.00 | 0.00% |
| Custom Expenses | $0.00 | 0.00% |
| Total Monthly Operating Expenses | $1,374.00 | 100.00% |
Total Monthly Carry Cost
Total Monthly Carry Cost
Total Monthly Carry Cost is the full estimated monthly cost to hold the property, combining the monthly loan payment and the monthly operating expenses.
Monthly loan payment plus monthly operating expenses.
$3,144.92
Loan: $1,770.92 | Operating: $1,374.00
Amortization (Yearly Summary)
Amortization (Yearly Summary)
This section shows how the loan balance changes over time as payments are made. It matters because investors can see how much wealth is being built through principal reduction versus how much is being spent on interest.
Amortization (Yearly Summary)
This section shows how the loan balance changes over time as payments are made. It matters because investors can see how much wealth is being built through principal reduction versus how much is being spent on interest.
| Year | Starting Balance | Principal Paid | Interest Paid | Ending Balance |
|---|---|---|---|---|
| 1 | $280,000.00 | $6,348.48 | $6,927.59 | $273,651.52 |
| 2 | $273,651.52 | $6,509.02 | $6,767.04 | $267,142.50 |
| 3 | $267,142.50 | $6,673.62 | $6,602.44 | $260,468.88 |
| 4 | $260,468.88 | $6,842.39 | $6,433.67 | $253,626.49 |
| 5 | $253,626.49 | $7,015.42 | $6,260.64 | $246,611.07 |
| 6 | $246,611.07 | $7,192.83 | $6,083.23 | $239,418.24 |
| 7 | $239,418.24 | $7,374.73 | $5,901.33 | $232,043.51 |
| 8 | $232,043.51 | $7,561.22 | $5,714.84 | $224,482.29 |
| 9 | $224,482.29 | $7,752.43 | $5,523.63 | $216,729.85 |
| 10 | $216,729.85 | $7,948.48 | $5,327.58 | $208,781.37 |
| 11 | $208,781.37 | $8,149.49 | $5,126.58 | $200,631.88 |
| 12 | $200,631.88 | $8,355.57 | $4,920.49 | $192,276.31 |
| 13 | $192,276.31 | $8,566.87 | $4,709.19 | $183,709.43 |
| 14 | $183,709.43 | $8,783.52 | $4,492.55 | $174,925.92 |
| 15 | $174,925.92 | $9,005.64 | $4,270.42 | $165,920.28 |
| 16 | $165,920.28 | $9,233.38 | $4,042.68 | $156,686.90 |
| 17 | $156,686.90 | $9,466.88 | $3,809.19 | $147,220.03 |
| 18 | $147,220.03 | $9,706.28 | $3,569.78 | $137,513.75 |
| 19 | $137,513.75 | $9,951.73 | $3,324.33 | $127,562.01 |
| 20 | $127,562.01 | $10,203.40 | $3,072.66 | $117,358.62 |
| 21 | $117,358.62 | $10,461.43 | $2,814.64 | $106,897.19 |
| 22 | $106,897.19 | $10,725.98 | $2,550.08 | $96,171.21 |
| 23 | $96,171.21 | $10,997.22 | $2,278.84 | $85,173.99 |
| 24 | $85,173.99 | $11,275.33 | $2,000.74 | $73,898.66 |
| 25 | $73,898.66 | $11,560.46 | $1,715.60 | $62,338.20 |
| 26 | $62,338.20 | $11,852.81 | $1,423.25 | $50,485.39 |
| 27 | $50,485.39 | $12,152.55 | $1,123.51 | $38,332.84 |
| 28 | $38,332.84 | $12,459.87 | $816.20 | $25,872.97 |
| 29 | $25,872.97 | $12,774.96 | $501.10 | $13,098.02 |
| 30 | $13,098.02 | $13,098.02 | $178.05 | $0.00 |
Loan Balance Over Time
Loan Balance Over Time
Loan Balance Over Time tracks how the remaining mortgage declines through the hold period. Investors use it to understand future equity growth and the likely payoff balance at sale or refinance.
Loan Balance Over Time
Loan Balance Over Time tracks how the remaining mortgage declines through the hold period. Investors use it to understand future equity growth and the likely payoff balance at sale or refinance.
Interest vs Principal (Yearly)
Interest vs Principal (Yearly)
Interest vs Principal shows how each year's loan payments are split between borrowing cost and equity buildup. It matters because early loan years often favor interest, while later years build principal faster.
Interest vs Principal (Yearly)
Interest vs Principal shows how each year's loan payments are split between borrowing cost and equity buildup. It matters because early loan years often favor interest, while later years build principal faster.
Cash Flow Details
Cash Flow Details
This section expands the cash flow projection over time instead of showing only today's snapshot. It matters because investors need to understand how income and expenses may evolve, not just what the first year looks like.
Cash Flow Details
This section expands the cash flow projection over time instead of showing only today's snapshot. It matters because investors need to understand how income and expenses may evolve, not just what the first year looks like.
Pro Forma Statement (10-Year Projection)
Pro Forma Statement (10-Year Projection)
The pro forma statement projects the property's income, expenses, and cash flow across future years. Investors use it to evaluate stability, growth potential, and whether the deal still works under longer-term assumptions.
Pro Forma Statement (10-Year Projection)
The pro forma statement projects the property's income, expenses, and cash flow across future years. Investors use it to evaluate stability, growth potential, and whether the deal still works under longer-term assumptions.
| Year | Income | Expenses | Cash Flow |
|---|---|---|---|
| Year 1 | $52,538.98 | -$24,463.00 | $14,799.91 |
| Year 2 | $57,792.87 | -$24,952.26 | $19,564.55 |
| Year 3 | $63,572.16 | -$25,451.31 | $24,844.79 |
| Year 4 | $69,929.38 | -$25,960.33 | $30,692.98 |
| Year 5 | $76,922.31 | -$26,479.54 | $37,166.71 |
| Year 6 | $84,614.55 | -$27,009.13 | $44,329.36 |
| Year 7 | $93,076.00 | -$27,549.31 | $52,250.63 |
| Year 8 | $102,383.60 | -$28,100.30 | $61,007.24 |
| Year 9 | $112,621.96 | -$28,662.30 | $70,683.60 |
| Year 10 | $123,884.16 | -$29,235.55 | $81,372.55 |
Projection Assumptions
Projection Assumptions These assumptions explain the growth rates and fixed inputs used to build the cash flow forecast. They matter because projected returns are only as reliable as the assumptions behind rent growth, expense growth, vacancy, debt service, and time horizon.
- Rental income growth assumed at 10.00% annually.
- Operating expense growth assumptions (Year 1 to Year 10): 2.00% per year .
- Vacancy rate assumed at 4.80%.
- Debt service assumed fixed at $13,276.06 annually (fixed-rate mortgage assumption).
- Projection period: 10 years.
These projections are estimates based on current inputs and assumptions. Actual results may vary depending on market conditions, operating performance, financing structure, and economic factors.
Cash Flow Diagram (10-Year Projection)
Cash Flow Diagram (10-Year Projection)
This chart visualizes how income, expenses, debt service, and net cash flow change over the projection period. It helps investors quickly see whether the property appears to strengthen or weaken over time.
Cash Flow Diagram (10-Year Projection)
This chart visualizes how income, expenses, debt service, and net cash flow change over the projection period. It helps investors quickly see whether the property appears to strengthen or weaken over time.
Appreciation Details
Appreciation Details
This section breaks down how future property value is projected year by year. It matters because investors can better understand how much of the expected return depends on appreciation rather than cash flow alone.
Appreciation Details
This section breaks down how future property value is projected year by year. It matters because investors can better understand how much of the expected return depends on appreciation rather than cash flow alone.
Annual Appreciation (Next 10 Years)
Annual Appreciation (Next 10 Years)
This table projects how the property value may change over the next ten years based on the saved appreciation assumptions. Investors use it to see the pace of value growth and how quickly equity may build through appreciation.
Annual Appreciation (Next 10 Years)
This table projects how the property value may change over the next ten years based on the saved appreciation assumptions. Investors use it to see the pace of value growth and how quickly equity may build through appreciation.
| Year |
Projected Value
Projected Value Projected Value estimates what the property may be worth in a future year. It matters because future value influences sale proceeds, refinance options, and total return expectations. |
Annual Increase
Annual Increase Annual Increase shows the dollar growth in value from one year to the next. Investors use it to understand how much each year's appreciation is contributing to the total opportunity. |
Annual %
Annual % Annual % shows the appreciation rate achieved in a single projected year. It matters because it helps investors compare yearly growth and understand how each year contributes to the overall forecast. |
Cumulative %
Cumulative % Cumulative % shows how much total appreciation has been achieved since the starting point. Investors use it to measure the full growth story rather than only a single year's change. |
|---|---|---|---|---|
| Year 1 | $748,250.00 | $18,250.00 | 2.50% | 2.50% |
| Year 2 | $766,956.25 | $18,706.25 | 2.50% | 5.06% |
| Year 3 | $786,130.16 | $19,173.91 | 2.50% | 7.69% |
| Year 4 | $805,783.41 | $19,653.25 | 2.50% | 10.38% |
| Year 5 | $825,928.00 | $20,144.59 | 2.50% | 13.14% |
| Year 6 | $846,576.20 | $20,648.20 | 2.50% | 15.97% |
| Year 7 | $867,740.60 | $21,164.40 | 2.50% | 18.87% |
| Year 8 | $889,434.12 | $21,693.52 | 2.50% | 21.84% |
| Year 9 | $911,669.97 | $22,235.85 | 2.50% | 24.89% |
| Year 10 | $934,461.72 | $22,791.75 | 2.50% | 28.01% |
Projection Assumptions
Projection Assumptions These assumptions explain how the property value projection is being built each year. They matter because appreciation can strongly influence projected returns, and investors should know whether the model is using a fixed rate or changing assumptions.
- Years 1 to 10 use the saved annual appreciation rate from this property.
- The same annual appreciation percentage is applied each year across the full projection period.
Projected Property Value
Projected Property Value shows the expected value trend of the asset over time. It matters because future value plays a major role in exit proceeds, equity growth, and refinancing potential.
Exit Strategy Details
Exit Strategy Details
This section gives a more detailed breakdown of how sale and refinance outcomes are calculated. Investors use it to understand exactly where projected proceeds come from and which assumptions have the biggest impact on the exit result.
Exit Strategy Details
This section gives a more detailed breakdown of how sale and refinance outcomes are calculated. Investors use it to understand exactly where projected proceeds come from and which assumptions have the biggest impact on the exit result.
Sale Exit Waterfall
Sale Exit Waterfall
The sale exit waterfall breaks the projected sale into the major additions and deductions that lead to final proceeds. It matters because investors need to see how much value is lost to costs, debt payoff, and other deductions before profit is realized.
Sale Exit Waterfall
The sale exit waterfall breaks the projected sale into the major additions and deductions that lead to final proceeds. It matters because investors need to see how much value is lost to costs, debt payoff, and other deductions before profit is realized.
| Component | Amount |
|---|---|
|
Projected Sale Price
Projected Sale Price Projected Sale Price is the future amount the property is expected to sell for. Investors use it as the top-line input for estimating sale proceeds and total profit at exit. |
$825,928.00 |
| Selling Costs | -$50,000.00 |
| Remaining Loan Balance | -$246,611.07 |
| Net Exit Proceeds | $529,316.93 |
| Initial Cash Invested | -$485,700.71 |
| Total Profit at Exit | $43,616.22 |
BRRRR Refinance Breakdown
| Component | Value |
|---|---|
| ARV Used For Refinance | $799,000.00 |
| Refi LTV Assumption | 75.00% |
| Max Refi Loan | $599,250.00 |
| Refi Closing Costs | -$17,977.50 |
| Remaining Loan Balance | -$246,611.07 |
|
Net Refi Proceeds
Net Refi Proceeds Net Refi Proceeds show how much refinance cash may remain after debt payoff and refinance costs are deducted. This matters because it reveals how much usable capital may actually come back to the investor. |
$334,661.43 |
|
Total Cash In Deal
Total Cash In Deal Total Cash In Deal represents the investor capital tied up in the property before any refinance recovery. It matters because investors compare this amount with refinance proceeds to judge capital efficiency. |
-$485,700.71 |
|
Cash Left In Deal
Cash Left In Deal Cash Left In Deal estimates how much investor capital remains tied up after a refinance. It matters because this shows whether the investor is truly freeing cash or still leaving a large amount trapped in the property. |
$151,039.28 |
|
Capital Recycled
Capital Recycled Capital Recycled shows what percentage of the investor's original cash may be pulled back out through refinancing. It matters because strong capital recycling can improve portfolio growth and deal efficiency. |
68.90% |
Base Assumptions
Base Assumptions These base assumptions explain the saved refinance inputs behind the BRRRR analysis, including the value source, leverage level, and refinance cost estimate. They matter because the sensitivity and recovery projections depend directly on these assumptions being reasonable.
- ARV source: Market Value (fallback to projected exit price if market value is empty).
- Refi LTV assumption used: 75.00%.
- Refi closing cost assumption used: 3.00%.
- These refinance inputs are treated as saved deal assumptions and can be updated when the client has better source data.
BRRRR Sensitivity (Capital Recycled vs Cash Left)
BRRRR Sensitivity (Capital Recycled vs Cash Left)
The BRRRR sensitivity table compares different refinance scenarios to show how capital recycled and cash left in the deal may change. Investors use it to understand how conservative, base, and aggressive assumptions affect the outcome.
BRRRR Sensitivity (Capital Recycled vs Cash Left)
The BRRRR sensitivity table compares different refinance scenarios to show how capital recycled and cash left in the deal may change. Investors use it to understand how conservative, base, and aggressive assumptions affect the outcome.
|
Scenario
Scenario Scenario is the refinance case being tested. It matters because investors should compare a range of outcomes instead of relying on a single best-case assumption. |
LTV | Refi Cost | Max Refi Loan | Net Refi Proceeds | Capital Recycled | Cash Left In Deal |
|---|---|---|---|---|---|---|
|
Conservative
Conservative Conservative uses tighter assumptions that usually produce a lower refinance outcome. It helps investors test whether the deal still works if terms are less favorable than expected. |
15.00% | 5.00% | $119,850.00 | -$132,753.57 | -27.33% | $618,454.28 |
|
Base
Base Base is the middle-case refinance assumption set. Investors often use it as the most balanced estimate for planning and comparison. |
20.00% | 4.00% | $159,800.00 | -$93,203.07 | -19.19% | $578,903.78 |
|
Aggressive
Aggressive Aggressive uses more optimistic refinance assumptions that can increase proceeds and capital recovery. It helps investors understand the upside case, while also recognizing that stronger terms may not always be available. |
25.00% | 1.00% | $199,750.00 | -$48,858.57 | -10.06% | $534,559.28 |