Investment Analysis Tool

Run your own deal analysis

Model any commercial real estate deal in seconds. Adjust price, financing, CAP rate, and income assumptions to see cash-on-cash return, DSCR, NOI, and a 10-year equity buildup — then bring it to us for the full underwrite.

Quick Scenarios

Property & Financing

Purchase Price
$200K$15M
Down Payment (%)
10%50%
Interest Rate (%)
4.0%12.0%

Loan Structure

Income & Return Assumptions

CAP Rate (%)
3.0%12.0%
Vacancy Rate (%)
0%30%
Annual Appreciation (%)
0%8%
Operating Expense Ratio (%)
20%55%
High risk: NOI does not cover annual debt service. This deal would require capital injection to service the loan.
Monthly P&I Payment
$8,132
Principal$1,335 / mo
Interest$6,797 / mo
Annual Debt Service$98K
Balloon Balance (end of term)$891K
10-year term · 25-year amortization · Loan: $1.13M
Cash-on-Cash Return
-0.0%
Negative cash flow ▼
Annual NOI
$98K
6.50% CAP · 5% vacancy
Gross Yield
10.5%
Gross rent / purchase price
Annual Debt Service
$98K
Down payment: $375K
DSCR
1.00x
Min 1.25x for most lenders
10-Year Equity Buildup & Cash Flow
Total equity (gold) vs. cumulative cash flow (dark)
$-789$281K$562K$844K$1.1MYr 0Yr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10
Total EquityCumulative Cash Flow

Annual Breakdown

End-of-year values

YearProperty ValueLoan BalanceTotal EquityCumul. Cash Flow
Yr 1$1.54M$1.11M$437K-$79
Yr 2$1.59M$1.09M$501K-$158
Yr 3$1.64M$1.07M$568K-$237
Yr 4$1.69M$1.05M$637K-$316
Yr 5$1.74M$1.03M$710K-$395
Yr 6$1.79M$1.01M$786K-$474
Yr 7$1.84M$980K$865K-$552
Yr 8$1.90M$952K$948K-$631
Yr 9$1.96M$923K$1.03M-$710
Yr 10$2.02M$891K$1.13M-$789

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A full Aspyre deal model accounts for cost segregation, entity structure, lender overlays, and exit timing.

Disclaimer & Limitation of Liability

All outputs generated by this tool are for illustrative and informational purposes only. They are based on simplified financial models and user-supplied assumptions, and do not constitute financial, investment, tax, or legal advice. Aspyre Advisory LLC makes no representation or warranty, express or implied, as to the accuracy, completeness, or reliability of any projections, estimates, or results produced herein. Actual investment performance will vary — and may vary materially — based on market conditions, property-specific factors, financing terms, operational outcomes, changes in tax law, and other variables outside our control. Past performance is not indicative of future results. No guarantee of any outcome is expressed or implied. Nothing herein creates an advisory, fiduciary, or client relationship. Consult a qualified CPA, licensed attorney, and registered financial advisor before making any investment decision.

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