Multifamily Underwriting Calculator — NOI, DSCR, Cap Rate & 5-Year Projections | REICommunity.com
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Multifamily Underwriting Template
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Multifamily Underwriting Template

Professional-grade multifamily analysis: NOI, cap rate, DSCR, cash-on-cash return, GRM, and 5-year cash flow projections. Enter your numbers — results update instantly.

Full income statement DSCR & cap rate 5-year projections

Net Operating Income

$29,539/yr

Cap Rate

7.77%

DSCR

1.3x

Cash Flow

$6,208/yr

CoC Return

5.94%

✅ Strong Deal

Income

2–100 units

$
%

Typical: 5–10%

$

Laundry, parking, pets

Annual Operating Expenses

$
$
% of EGI

Typical: 8–10%

$
$

Roof, HVAC, appliances

$
$

Landscaping, snow, misc

Financing & Purchase

$
%

Typical: 20–30%

%
yrs

5-Year Growth Assumptions

%

National avg: 2–4%

%

Typical: 2–3%

Annual Income Statement

Gross Potential Rent (GPR)$57,600
Vacancy & Credit Loss (7%)− $4,032
Other Income+ $1,200
Effective Gross Income (EGI)$54,768
Operating Expenses− $25,229
Expense Ratio46.07%
Net Operating Income (NOI)$29,539
Annual Debt Service− $23,330
Annual Cash Flow$6,208

Key Investment Metrics

Cap Rate

7.77%

Target: ≥ 5%

DSCR

1.3x

Lender min: 1.25x

Cash-on-Cash

5.94%

Target: ≥ 4%

GRM

6.6x

Target: < 12x

Down Payment

$95,000

Monthly Mortgage

$1,944

5-Year Cash Flow Projection

YearNOICash Flow
Year 0 (now)$29,539$6,208
Year 1$30,677$7,347
Year 2$31,855$8,525
Year 3$33,073$9,743
Year 4$34,333$11,003
Year 5$35,636$12,306

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Frequently Asked Questions

Multifamily underwriting concepts explained.

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Informational Use Only — Not Professional Advice

The tools and calculators provided on this page are for informational and educational purposes only. They are not intended to constitute — and should not be relied upon as — legal, financial, tax, accounting, or investment advice of any kind. All outputs are estimates based solely on the inputs you provide and may not reflect actual results, returns, or outcomes. Real estate investing involves significant risk, including the possible loss of principal invested.

Before making any investment, financing, or tax-related decision, consult with a licensed attorney, Certified Public Accountant (CPA), Registered Investment Advisor (RIA), mortgage professional, or other qualified professional who can evaluate your specific financial situation, goals, and risk tolerance. REICommunity.com makes no representations or warranties regarding the accuracy, completeness, or suitability of any tool, estimate, or calculation for any particular purpose.

MR

Michael R. just joined as a House Flipping

📍 Dallas, TX·just now
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