Central Oregon · before you buy a rental
Starting interest rate for Central Oregon. Cached six hours. Rent, tax, and expenses start as editable defaults on the calculator.
Underwrite
Your expected market rent. Edit to your own number.
Cash flow
-$1,298/mo
Cap rate
3.8%
Cash on cash
-9.6%
Cash needed
$162,500
At $650,000 with 25% down, this property runs $1,298 per month negative. Adjust the price, down payment, or rent to find what works.
Monthly cash flow
| Property value | Equity | |
|---|---|---|
| Year 1 | $670k | $187k |
| Year 2 | $690k | $212k |
| Year 3 | $710k | $238k |
| Year 4 | $732k | $265k |
| Year 5 | $754k | $293k |
| Year 6 | $776k | $322k |
| Year 7 | $799k | $352k |
| Year 8 | $823k | $384k |
| Year 9 | $848k | $417k |
| Year 10 | $874k | $451k |
| Year 11 | $900k | $487k |
| Year 12 | $927k | $524k |
| Year 13 | $955k | $563k |
| Year 14 | $983k | $604k |
| Year 15 | $1.0M | $646k |
| Year 16 | $1.0M | $691k |
| Year 17 | $1.1M | $737k |
| Year 18 | $1.1M | $785k |
| Year 19 | $1.1M | $836k |
| Year 20 | $1.2M | $888k |
| Year 21 | $1.2M | $944k |
| Year 22 | $1.2M | $1.0M |
| Year 23 | $1.3M | $1.1M |
| Year 24 | $1.3M | $1.1M |
| Year 25 | $1.4M | $1.2M |
| Year 26 | $1.4M | $1.3M |
| Year 27 | $1.4M | $1.3M |
| Year 28 | $1.5M | $1.4M |
| Year 29 | $1.5M | $1.5M |
| Year 30 | $1.6M | $1.6M |
| Year | Value | Equity | Cash flow |
|---|---|---|---|
| 1 | $669,500 | $186,583 | -$15,574 |
| 2 | $689,585 | $211,601 | -$15,076 |
| 3 | $710,273 | $237,600 | -$14,567 |
| 5 | $753,528 | $292,729 | -$13,519 |
| 10 | $873,546 | $451,357 | -$10,711 |
| 20 | $1,173,972 | $888,362 | -$4,186 |
| 30 | $1,577,721 | $1,577,721 | $3,768 |
Estimates only, not investment advice or a guarantee of rent, value, or return. Figures depend on the numbers you enter and current market conditions. Verify with your lender, tax advisor, and a Ryan Realty broker before you rely on them.
Cash flow is what is left each month after the mortgage, property taxes, insurance, management, and maintenance reserves are paid out of the rent. Positive cash flow means the rent covers every cost with money to spare.
Cap rate is the annual net operating income divided by the purchase price, shown as a percent. It measures the yield of the property independent of how you finance it.
Cash-on-cash return compares your annual cash flow to the cash you put in, including the down payment, closing costs, and any upfront work. It shows the yearly return on the actual dollars you invested.
No. The figures are estimates based on the numbers you enter, not investment advice or a guarantee of rent, value, or return. We can pull real rent comps and help you underwrite a specific property.
Start with price and rent. Set down payment, rate, and term to match the loan you plan to use. Operating expenses start as editable defaults. Cash flow is what is left after the mortgage, taxes, insurance, management, and reserves.