Sample report Example data for 1777 Beach Park Blvd, Foster City, CA 94404. This is exactly how your real report looks.

Investor Analysis Exported August 4, 2026, 5:40 PM

Coastline Realty Jordan Reyes · Broker

Investor Analysis

Decision analysis

Investor Analysis

Evaluate rental cash flow, financing resilience, return potential, and the projected exit under one set of assumptions.

Interactive sample

Example home image — Example only - not the real property

1777 Beach Park Blvd, Foster City, CA 94404

Strategy: Long Term Rental
Purchase price: $1,765,000
Monthly rent: $6,500/mo
Hold period: 10 years

Prepared Aug 4, 2026 Sample assumptions

Run with your numbers

Verdict

High Risk at Current Terms

0 /100

The property models at -$5,469/mo of negative cash flow, a 1.7% cap rate, and -11% cash-on-cash return over a 10-year plan.

Confidence: Sample

Key reasons

Modeled rent does not fully cover operating costs and debt service.
Debt-service coverage is 0.32x under the current assumptions.
Break-even occupancy is 197.9%.
Deal read: Walk away — about $318,533 hits the 8% CoC / 1.25 DSCR screens.

Monthly cash flow

-$5,469/mo After modeled operating costs and debt service

Cap rate

1.7% Unlevered operating return

Cash-on-cash return

-11% Annual cash flow / cash invested

DSCR

0.32 NOI relative to debt service

Break-even occupancy

197.9% Occupancy needed to cover modeled costs

Total cash invested

$598,625 Down payment + modeled acquisition cash

Why this result?

What supports the investment

The analysis provides a consistent baseline for comparing this property with alternatives.

What needs caution

Negative monthly cash flow at current assumptions.
Debt-service coverage is thin and may leave little operating cushion.
Cash-on-cash return is below a common first-pass target.
Break-even occupancy is high, increasing vacancy sensitivity.
Operating expenses consume a high share of effective rent.

What to verify next

All key inputs were user-entered (no verified property lookup on file).
Verify achievable rent and vacancy with current local evidence.
Confirm taxes, insurance, utilities, maintenance, and management costs.
Review lender terms, reserves, appraisal, and debt-service requirements.
Inspect condition, zoning, permits, and local rental restrictions.

Operating and exit outlook

10 years modeled horizon

Current operations

Monthly property performance under the entered assumptions.

Effective rent: $6,110/mo
Operating expenses: $3,566/mo
Debt service: $8,013/mo

Annual cash flow-$65,632

Cash invested and projected return

$598,625 Total cash invested

-$609,784 Cumulative cash flow

-$56,331 Estimated total return

Projected exit

Estimated value, debt, and proceeds at the end of the hold.

Projected property value: $2,372,012
Remaining loan balance: $1,053,894
Net sale proceeds: $1,152,078

Estimated total return-$56,331

The exit outlook is highly sensitive to actual rent, expenses, financing, appreciation, vacancy, and selling costs. Projections inflate insurance, HOA, and other fixed costs at 2.5%/yr and reassess property tax with the property value.

Monthly cash-flow breakdown

Current operating assumptions

Gross rent +$6,500

Effective rent +$6,110

Operating expenses -$3,566

Net operating income +$2,544

Debt service -$8,013

Monthly cash flow -$5,469

Operating expense ratio 58.4%

Estimated IRR -0.7%

What to offer

At the current terms the deal models -$5,469/mo in cash flow with a 0.32 debt-service coverage ratio. Even at the $560,351 break-even price the return targets stay out of reach, and no realistic rate, down-payment, or rent change closes the gap.

Asking / entered price $1,765,000

Target price (8% CoC · 1.25 DSCR) $318,533

Break-even price (cash flow $0) $560,351

Suggested negotiation discount 82% ($1,446,467)

Rent needed for 8% CoC $18,925/mo

Deal verdict Walk away

Cash flow: 15-yr vs 30-yr loan -$8,389/mo vs -$5,469/mo

What changes the answer

Each scenario re-runs the full model with one input changed.

A Achievable rent ±10%

-$5,964/moCash flow at −10%

-$4,974/moCash flow at +10%

Base cash flow is -$5,469/mo; cash-on-cash moves from -12% to -10%.

B Vacancy ±3 pts

-$5,311/moAt 3% vacancy

-$5,627/moAt 9% vacancy

Modeled at 6% vacancy today; more vacancy reduces effective rent and debt coverage.

C Interest rate ±0.5 pt

-$5,063/moAt 6.25%

-$5,884/moAt 7.25%

Financing cost is the largest single line: a half-point swing moves cash-on-cash from -11.8% to -10.1%.

D Purchase price ±5%

-10.6% CoCAt $1,676,750

-11.3% CoCAt $1,853,250

Cash flow moves from -$5,069/mo to -$5,870/mo — negotiation directly changes the return.

E Exit appreciation 1% vs 5%

-$427,305Total return at 1%/yr

+$387,183Total return at 5%/yr

The projected total return depends heavily on the sale-price assumption (3%/yr entered).

Year-by-year projection

Annual cash flow per year with projected equity. Fixed costs inflate 2.5%/yr; property tax follows the property value.

Year 1 · equity $595,617 -$65,632

Year 2 · equity $664,240 -$64,681

Year 3 · equity $735,479 -$63,700

Year 4 · equity $809,453 -$62,689

Year 5 · equity $886,284 -$61,647

Year 6 · equity $966,104 -$60,572

Year 7 · equity $1,049,048 -$59,464

Year 8 · equity $1,135,262 -$58,322

Year 9 · equity $1,224,899 -$57,145

Year 10 · equity $1,318,119 -$55,932

Cumulative cash flow -$609,784

Equity multiple 0.91x

NPV @ 8% -$478,686

After-tax view (year 1)

Straight-line 27.5-year depreciation at a 32% marginal rate. Assumes losses are usable against other income — confirm with a CPA.

Net operating income $30,529

Year-1 mortgage interest -$82,994

Annual depreciation -$33,000

Taxable income -$85,465

Estimated tax shield +$27,349

After-tax cash flow (year 1) -$38,283

Pre-tax annual cash flow -$65,632

Investment due-diligence checklist

Verify revenue

Confirm rent, concessions, other income, vacancy, and collection assumptions with local evidence.

Verify expenses

Collect actual tax, insurance, utility, maintenance, management, and reserve estimates.

Stress the financing

Confirm lender terms and test debt coverage under lower rent and higher costs.

Review the exit

Test appreciation, selling costs, loan balance, and hold-period scenarios before relying on total return.

Sample mode uses example assumptions for education only. Changes here are not saved and are not financial, legal, tax, mortgage, insurance, appraisal, inspection, investment, or real estate advice.