Indevest

Analysis dashboard

Laundromat

Saved 6/1/2026, 9:02:22 PM

GroupDemoPurchase price$500,000Interest rate10.00%Amortization10 yrs
Annual NOI
$102,000
Annual gross income less annualized operating expenses.
CAP Rate
20.00%
Above saved threshold 7.00%.
Price Guidance Range
$599,067 - $619,996
Price guidance spans from Cash Flow to Financing.
Cash on Cash
39.0%
Annual return on actual cash invested.
After-tax Cash on Cash
29.8%
Annual after-tax income divided by cash invested.
Gross Income Multiplier (GIM)
1.67
Purchase price divided by annual gross income.
1% Rule
5.00%
Passes threshold.
NIAT / Month
$2,485
Target $1,500.
DSCR
1.62x
Annual NOI divided by annual debt service.
Income cushion
13.1%
Monthly gross income above break-even gross income.

Comparisons use Saved thresholds.

Investment assumptions
Purchase price
$500,000
Down payment
$100,000
Interest rate
10.00%
Amortization
10 yrs
Average tax rate
24.00%
Gross income / annual
$300,000
Gross income / monthly
$25,000
Operating expenses / monthly
$16,500
Loan amount
$400,000
Loan-to-value
80.0%
Cash flow composition
Gross income$25,000
Operating expenses$16,500
Financing$5,231
Estimated tax$785
NIAT$2,485

Bars are scaled against monthly gross income.

Estimated tax impact
Annual tax
$9,415
Monthly estimated tax
$785
NIAT / annual
$29,815
NIAT / monthly
Compared with target $1,500.
$2,485
After-tax Cash on Cash
29.8%
Payback period, after-tax
3.4 yrs

Not tax advice. Tax treatment depends on jurisdiction and investor structure.

All metrics

Full metric detail stays available in a compact audit table.

Metric
Value
Indicators
Gross Income Multiplier (GIM)GIM = Total Price / Total annual gross income
1.67
1% RuleMonthly gross income >= 1% of total purchase price
5.00% (Pass)
CAP RuleCAP = Annual NOI / Total purchase price
20.00% (> 7.00%)Compare to alternative investments like bonds.
Cash on Cash returnCash on Cash return = NIAF / Down payment
39.0%
After-tax Cash on Cash returnAfter-tax Cash on Cash return = Annual NIAT / Down payment
29.8%
Price-to-NOI multiplePrice-to-NOI multiple = Purchase price / Annual NOI
4.90x
Valuation Constraints
Price Guidance RangeStrict target to required-yield/financeable ceiling
$599,067 - $619,996Price guidance spans from Cash Flow to Financing.
Strict Max PriceLowest valid backend valuation constraint
$599,067The cash-flow objective currently limits the supported acquisition price.
CAP-Based Target PriceBackend CAP-based valuation constraint result
$1,457,143
Financing-Constrained Target PriceBackend financing-constrained valuation result
$619,996
Cash-Flow-Constrained Target PriceBackend cash-flow-constrained valuation result
$599,067
Purchase Price PositionCurrent purchase price compared with the price guidance range
Below range
Limiting FactorConstraint currently limiting strict max price
Cash Flow
Required DSCRRequired DSCR = Active required debt service coverage threshold
1.25x
DSCR pass/failDSCR pass/fail = Actual DSCR compared with active required DSCR threshold
Pass
Target NIAT (Monthly)Target monthly NIAT = Active monthly cash-flow threshold
$1,500
NIAT shortfallNIAT shortfall = Target monthly NIAT - actual monthly NIAT
-$985
Income shortfall / surplusIncome shortfall / surplus = Monthly gross income - break-even gross income
$3,269
Valuation warningsBackend valuation warning framework
The monthly cash-flow target is stricter than the required-yield or financing ceiling.
Income
Annual NOIAnnual NOI = (Monthly gross income - monthly operating expenses) * 12
$102,000Taxes are computed separately from average tax rate.
Annual NIAFAnnual NIAF = Monthly NIAF * 12
$39,230
Monthly financing costMonthly financing cost = 0 when purchase price equals down payment; otherwise PMT(interest_rate/12, amortization_years*12, purchase_price - down_payment)
$5,231
Monthly NIAFMonthly NIAF = NOI Monthly - Financing costs
$3,269
NOI marginNOI margin = Monthly NOI / Monthly gross income
34.0%
Operating expense ratioOperating expense ratio = Monthly operating expenses / Monthly gross income
66.0%
Break-even gross incomeBreak-even gross income = Monthly operating expenses + monthly financing cost
$21,731
Income cushionIncome cushion = (Monthly gross income - break-even gross income) / Monthly gross income
13.1%
Estimated Tax
Annual taxAnnual tax = Monthly estimated tax * 12
$9,415
Monthly estimated taxMonthly estimated tax = (Monthly gross income - monthly operating expenses - monthly financing costs) * Average tax rate
$785
Net income after tax
NIAT (Annual)NIAT (Annual) = NIAF (Annual) - Annual tax
$29,815
NIAT (Monthly)NIAT (Monthly) = NIAF (Monthly) - Monthly estimated tax
$2,485 (> $1,500)
Leverage and coverage
Loan amountLoan amount = Purchase price - down payment
$400,000
Annual debt serviceAnnual debt service = Monthly financing cost * 12
$62,770
DSCRDSCR = Annual NOI / Annual debt service
1.62x
Loan-to-valueLoan-to-value = Loan amount / purchase price
80.0%
Payback
Payback period, pre-taxPayback period, pre-tax = Down payment / Annual NIAF
2.5 yrs
Payback period, after-taxPayback period, after-tax = Down payment / Annual NIAT
3.4 yrs
Future Value Scenario
Current asset valueCurrent asset value = User-entered scenario asset value, or purchase price when left blank
$475,000
Annual appreciation / depreciationAnnual appreciation / depreciation = User-entered annual asset value change
1.50%
Holding periodHolding period = User-entered Future Value Scenario holding period
5 yrs
Annual income growthAnnual income growth = User-entered annual gross income growth assumption
2.50%
Annual operating expense inflationAnnual operating expense inflation = User-entered annual operating expense growth assumption
3.00%
Exit selling costExit selling cost = User-entered percentage of future asset value paid at exit
8.00%
Annual general inflationAnnual general inflation = Optional user-entered inflation assumption for inflation-adjusted scenario values
2.80%
Estimated future asset valueEstimated future asset value = Current asset value * (1 + annual appreciation rate) ^ holding period
$511,710
Projected annual gross income at exitProjected annual gross income at exit = Current annual gross income * (1 + annual income growth) ^ holding period
$339,422
Projected annual operating expenses at exitProjected annual operating expenses at exit = Current annual operating expenses * (1 + annual operating expense inflation) ^ holding period
$229,536
Estimated future equityEstimated future equity = Estimated future asset value - remaining loan balance
$264,089
Estimated net sale proceedsEstimated net sale proceeds = Future asset value - remaining loan balance - estimated selling costs
$223,152
Estimated selling costsEstimated selling costs = Future asset value * exit selling cost
$40,937
Scenario annualized return estimateScenario annualized return estimate = Simplified annualized scenario proceeds / initial cash invested
31.3%Illustrative scenario estimate based on user assumptions; not IRR or a prediction.
Initial cash investedInitial cash invested = Down payment used as the scenario cash basis
$100,000
Cumulative operating cash flow during holding periodCumulative operating cash flow = Sum of annual after-tax operating cash flow rows during the holding period
$166,993
Projected annual NOI at exitProjected annual NOI at exit = Projected annual gross income - projected annual operating expenses
$109,886
Remaining loan balanceRemaining loan balance = Amortized balance after holding period
$247,621
Estimated total proceedsEstimated total proceeds = Cumulative net cash flow + estimated net sale proceeds
$390,145
Estimated total profitEstimated total profit = Estimated total proceeds - initial cash invested
$290,145
Inflation-adjusted future asset valueInflation-adjusted future asset value = Estimated future asset value / (1 + annual general inflation) ^ holding period
$445,716
Inflation-adjusted net sale proceedsInflation-adjusted net sale proceeds = Estimated net sale proceeds / (1 + annual general inflation) ^ holding period
$194,373
Inflation-adjusted total proceedsInflation-adjusted total proceeds = Estimated total proceeds / (1 + annual general inflation) ^ holding period
$339,829
Inflation-adjusted total profitInflation-adjusted total profit = Estimated total profit / (1 + annual general inflation) ^ holding period
$252,725
Scenario calculation notesBackend scenario explanation notes describe which calculation branches apply
Projected operating cash flow increases total proceeds during the holding period. Remaining loan balance is deducted from sale proceeds at exit. Exit selling costs are deducted from future asset value. Inflation-adjusted values reflect the projected purchasing-power equivalent at the provided inflation rate.
Future Value Annual Projection
Year 1 operating projectionAnnual NIAT = Projected annual gross income - projected annual operating expenses - annual debt service during the active debt period - estimated tax
$31,001Period 1 yrs; gross income $307,500; operating expenses $203,940; NOI $103,560; debt service $62,770; tax $9,790.
Year 2 operating projectionAnnual NIAT = Projected annual gross income - projected annual operating expenses - annual debt service during the active debt period - estimated tax
$32,193Period 1 yrs; gross income $315,188; operating expenses $210,058; NOI $105,129; debt service $62,770; tax $10,166.
Year 3 operating projectionAnnual NIAT = Projected annual gross income - projected annual operating expenses - annual debt service during the active debt period - estimated tax
$33,393Period 1 yrs; gross income $323,067; operating expenses $216,360; NOI $106,707; debt service $62,770; tax $10,545.
Year 4 operating projectionAnnual NIAT = Projected annual gross income - projected annual operating expenses - annual debt service during the active debt period - estimated tax
$34,598Period 1 yrs; gross income $331,144; operating expenses $222,851; NOI $108,293; debt service $62,770; tax $10,926.
Year 5 operating projectionAnnual NIAT = Projected annual gross income - projected annual operating expenses - annual debt service during the active debt period - estimated tax
$35,809Period 1 yrs; gross income $339,422; operating expenses $229,536; NOI $109,886; debt service $62,770; tax $11,308.