Underwrite a rental in seconds
Rental Property Analyzer
Underwrite a North Texas long-term rental in seconds. See cap rate, cash-on-cash return, monthly cash flow, DSCR, and stress-test against rent and rate swings.
Acquisition
Plano effective property tax: 2.18%
Operations
Pre-fills from city median; verify with comps
Monthly cash flow
-$1,027
Cash-on-cash
-10.90%
Cap rate
3.21%
DSCR
0.52
Cash flow sensitivity (per month)
| Rent↓ / Rate → | 6.25% | 7.25% | 8.25% |
|---|---|---|---|
| $2,550 | -$966 | -$1,175 | -$1,392 |
| $2,750 | -$818 | -$1,027 | -$1,244 |
| $2,950 | -$670 | -$879 | -$1,096 |
Capital required
Monthly P&L
Quick screens
Note:
Most North Texas SFR rentals underwrite to 4-7% cap rate today; financed cash-on-cash of 5%+ is healthy in this rate environment. Mali helps you stress-test deals against rent comps and HOA rules before you offer.
Frequently asked
What's a good cap rate for a North Texas SFR?+
Most North Texas single-family rentals underwrite to 4–7% cap rate today. Anything above 6% is strong for a Class A or B property in Plano, Frisco, or Allen. Tertiary markets (Garland, Princeton, Lavon) can push 7–9% but with more turnover and operational lift.
What's a good cash-on-cash return?+
In the current rate environment, a financed long-term rental hitting 5–8% cash-on-cash is healthy. Below 4% means you're betting heavily on appreciation. Above 10% in DFW usually means short-term rental, value-add, or a deal that needs scrutinizing.
Why does the calculator default to 8% maintenance and 5% CapEx?+
These are realistic reserves for North Texas SFRs, where roof replacements, HVAC, and water heaters add up over a 10–15 year hold. Skipping reserves makes a deal look great on paper and disappointing in practice.
What's DSCR and why does it matter?+
Debt Service Coverage Ratio = NOI ÷ mortgage payment. DSCR loans (used by investors who don't want to qualify on personal income) typically require 1.20+ to fund. Above 1.5 is comfortable; below 1.0 means the property can't cover its own mortgage.
Need rent comps and on-the-ground intel?
Mali pulls real rent comps, vets HOA/lease restrictions, and connects you to property managers and lenders who fund DSCR loans.