Deal Score Calculator
Investment Property Analysis
$
%
%
yrs
$
Loan Amount
$187,500
Monthly P&I
$1,247
Total Cash Required
$70,000
$
$
%
Gross Annual Income
$26,400
Effective Gross Income
$25,080
$
$
%
%
%
$
$
Total Monthly Expenses
$781
Annual Operating Expenses
$9,372
Expense Ratio
35.5%
%
%
These are used for enhanced scoring but don’t affect core metrics.
📊
Ziffy Deal Score™
80
/ 100
Strong cash flow with solid returns
Monthly Cash Flow
$171
Annual Cash Flow
$2,052
Cash-on-Cash
2.9%
Cap Rate
6.3%
NOI
$15,708
DSCR
1.05
📈 Metric Breakdown
💵 Cash Flow
(25% weight)
85/100
$171/mo ($2,052/yr)
POSITIVE
💰 Cash-on-Cash Return
(25% weight)
45/100
2.9% return on cash invested
Target: 8%+
📊 Cap Rate
(20% weight)
70/100
6.3% (Market: 6%)
ABOVE MARKET
📏 1% Rule
(15% weight)
75/100
0.88% (Target: 1%+)
88% OF TARGET
🏦 Debt Service Coverage (DSCR)
(15% weight)
55/100
1.05x (Lender min: 1.25x)
MARGINAL
Monthly Cash Flow Breakdown
$171/mo
Effective Gross Income
+$2,090
Property Tax
-$260
Insurance
-$125
Property Management
-$176
Maintenance Reserve
-$110
CapEx Reserve
-$110
HOA
-$0
Other Expenses
-$0
NOI (Net Operating
Income)
$1,309
Mortgage (P&I)
-$1,247
Net Cash Flow
$62
✅ Deal Analysis
This property shows positive cash flow and solid fundamentals. The cap rate is
competitive with the market. Consider negotiating a lower price to improve
Cash-on-Cash return.
Total Investment Summary
$70,000
Down Payment (25%)
$62,500
Closing Costs
$7,500
Year 1 Appreciation (3%)
+$7,500
Year 1 Principal Paydown
+$3,600
Year 1 Cash Flow
+$2,052
Total Year 1 Return
$13,152
(18.8%)
