Calcolatore Analisi Plurifamiliare

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Annual Cash Flow

$14,882

Cap Rate7.85%
Rendimento Cash-on-Cash7.4%
Rapporto di Copertura del Debito1.31
Reddito Operativo Netto$62,784
Prezzo per Unita$100,000
Rapporto Spese Operative43.3%

Annual Cash Flow vs Other Monthly Income (laundry, parking)

Vedi formula →

Formula

Multifamily Property Analysis

Multifamily investing requires evaluating income, expenses, and financing to determine whether a property meets your return requirements.

Income Analysis

  • Gross Potential Income: Total rent if 100% occupied + other income
  • Effective Gross Income: GPR minus vacancy and credit losses
  • Net Operating Income: EGI minus operating expenses

    • Key Metrics

  • Cap Rate: NOI / Purchase Price (measures property return)
  • Cash-on-Cash: Cash Flow / Cash Invested (measures investor return)
  • DSCR: NOI / Annual Debt Service (lenders want 1.25+)
  • Price Per Unit: Quick comparison metric for similar properties

    • Expense Guidelines

  • Operating expenses typically run 35-50% of EGI for multifamily
  • Include: management, maintenance, insurance, taxes, utilities, reserves
  • Exclude: debt service, depreciation, capital expenditures

    • Esempio Risolto

    8-unit building at $800,000, 25% down, 7% rate, 30yr. Average rent $1,200/unit, $400/mo other income, 8% vacancy, $48,000 annual expenses.

    1. 01Gross potential rent: 8 x $1,200 x 12 = $115,200
    2. 02Other income: $400 x 12 = $4,800
    3. 03GPI: $115,200 + $4,800 = $120,000
    4. 04Vacancy loss: $115,200 x 8% = $9,216
    5. 05EGI: $120,000 - $9,216 = $110,784
    6. 06NOI: $110,784 - $48,000 = $62,784
    7. 07Down payment: $800,000 x 25% = $200,000
    8. 08Loan: $600,000 at 7% for 30yr = $3,992.09/mo = $47,905/yr
    9. 09Cash flow: $62,784 - $47,905 = $14,879
    10. 10Cap rate: $62,784 / $800,000 = 7.85%
    11. 11Cash-on-cash: $14,879 / $200,000 = 7.4%
    12. 12DSCR: $62,784 / $47,905 = 1.31

    Domande Frequenti

    What DSCR do lenders require for multifamily?

    Most multifamily lenders require a minimum DSCR of 1.20 to 1.30, meaning NOI must exceed debt service by 20-30%. Some bridge lenders accept 1.10-1.15 for value-add properties. Higher DSCR means lower risk and often better loan terms.

    What is a good cap rate for multifamily?

    Cap rates vary by market and property class. Class A urban: 4-5%. Class B suburban: 5-7%. Class C: 7-10%. Lower cap rates indicate lower risk and higher property values. Always compare to local market norms rather than national averages.

    How do I estimate operating expenses?

    Use 40-50% of EGI as a rough estimate if you lack detailed data. For more accuracy, get actual trailing 12-month financials from the seller. Key categories: management (8-10% of EGI), maintenance ($500-$1,000/unit/year), insurance, taxes, and capital reserves.

    Calcolatrici Correlate

    Cap Rate Calculator

    Quick cap rate analysis.

    Cash-on-Cash Return Calculator

    Measure return on invested cash.

    DSCR Calculator

    Verify lender DSCR requirements.