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Financing
Osprey's verdict
+$545/mo
at Conventional 25% down
Max offer
Clears your $250/mo bar at ask — headroom to $294,000 (20.0% above ask).
Monthly cash flow — Conventional 25% down
+$545/moGross rent$2,600
Vacancy loss−$130
Effective gross income$2,470
Taxes−$204
Insurance−$71
Maintenance−$130
CapEx reserve−$130
Management−$198
Net operating income$1,737
Debt service−$1,192
Metrics
Cap rate
8.5%
Cash on cash
9.5%
GRM
7.9
1% rule
1.06%
Passes
Break-even occupancy
74.0%
Opex ratio
33.2%
Lender DSCR
1.77
NOI DSCR
1.46
Cash to close
$68,600
Loan
Down payment
$61,250
Amount financed
$183,750
LTV
75.0%
Rate
6.750%
Term
30y
P&I
$1,192
10-year projection
| Year | Annual cash flow | Value | Loan balance | Equity | ROE |
|---|---|---|---|---|---|
| 1 | +$6,540 | $252,350 | $181,792 | $70,558 | 9.3% |
| 2 | +$6,957 | $259,921 | $179,697 | $80,223 | 8.7% |
| 3 | +$7,382 | $267,718 | $177,457 | $90,262 | 8.2% |
| 5 | +$8,258 | $284,022 | $172,497 | $111,526 | 7.4% |
| 10 | +$10,606 | $329,260 | $156,741 | $172,519 | 6.1% |
Total profit at exit
$166,061
IRR at exit
16.9%
Equity multiple
3.42x
Illustrative properties, real math — every figure is live output from Osprey's underwriting engine.
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