Deal Analyzer
Deal Analyzer

Underwrite like a pro with instant cash flow modeling.

Stress test rent, expenses, and debt coverage with a professional underwriting model. Adjust assumptions and see the impact on returns, risk, and equity growth.

Deal Snapshot
Core outcomes based on your current assumptions.

CASH FLOW / MO

-$534.92

CAP RATE

4.68%

CASH NEEDED

$127,035

Scenario presets
Pick a preset to prefill the numbers, then fine tune the numbers below. Remember to provide the best inputs you can find for more accurate results.
Active preset: Base Case
Property and financing
Acquisition price, leverage, and loan structure.

Cash: $97,000

Finance rehab in loan

Adds rehab budget to the loan balance.

Income assumptions
Rental income, vacancy, and growth outlook.
Operating expenses
Taxes, insurance, reserves, and management fees.
Growth and targets
Tune your long term assumptions and lender targets.
Deal score
At Risk
Composite score across cash flow, leverage, and coverage.

14

score out of 100

Monthly cash flow

-$534.92

Annual: -$6,419

Cap rate

4.68%

NOI: $22,705

Cash on cash

-5.05%

Cash needed: $127,035

DSCR

0.78

Target: 1.20

Loan amount

$388,000

LTV: 80.0%

Payment (P&I)

$2,426.96

Total interest: $485,707

Rent to price

7.92%

Annual rent / price

GRM

12.6

Price / gross rent

Payback

N/A

Cash needed / cash flow

OpEx ratio

39.9%

OpEx / effective income

Debt yield

5.85%

NOI / loan amount

Monthly breakdown
Expense composition and operating performance.

Effective income

$3,149.00

NOI

$1,892.04

Debt service

$2,426.96

Break even

110.0%

Debt service
$2,426.96
Taxes
$383.96
Insurance
$135.00
HOA
$90.00
Maintenance
$160.00
Management
$268.00
Capex
$160.00
Other
$60.00
Sensitivity
Monthly cash flow under rent and vacancy shifts.
-5% rent
Base rent
+5% rent
-2% vac
-$592.72
-$467.92
-$343.12
+0% vac
-$656.52
-$534.92
-$413.32
+2% vac
-$720.32
-$601.92
-$483.52
Projection
Estimated equity and cash flow over time.

Year 1

$499,550

Property value

Equity$115,970
Annual cash flow-$3,334

Year 3

$529,973

Property value

Equity$156,125
Annual cash flow-$1,934

Year 5

$562,248

Property value

Equity$199,458
Annual cash flow-$458
Risk and action plan
Strengths, red flags, and the next best moves.
Strengths
  • Rent to price ratio is near the 1% rule.
  • Operating expense ratio under 45%.
Watchlist
  • Negative monthly cash flow at current rent.
  • DSCR below target of 1.20.
  • Cap rate below 5% based on current NOI.
  • Debt yield below 8% on current NOI.
Recommended moves
  • Negotiate price or reduce rehab scope to restore cash flow.
  • Increase income or reduce expenses to raise DSCR.
  • Validate comps or trim expenses to lift NOI.
  • Lower purchase price or lift NOI to raise debt yield.
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