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%)
