Deal Summary

F52/100

F grade · 52/100 overall deal scoreKeep the deal score, cash flow, and return signals in view while you work the numbers.

Monthly Cash Flow$59 /mo

Cash Needed$42.0k

CoC ROI1.68%

5-Year IRR5.33%

1628 W Oak St Rental Property Analysis

Property Overview

Property photo, address, and report actions.

1628 W Oak St

Louisville, Kentucky

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Appreciation assumption runs cold vs local data

Your appreciation assumption is 2.0%/yr but Louisville, KY home values have averaged 5.1%/yr over the last five years (Zillow Research ZHVI/ZORI, 2026-03-31).

Rent-growth assumption runs cold vs local data

Your rent growth assumption is 2.0%/yr but Louisville, KY rents have averaged 5.9%/yr over the last five years (Zillow Research ZHVI/ZORI, 2026-03-31).

Summary

Acquisition underwriting

Operating Snapshot

Income$1.4k /moRental collection

Expenses$1.3k /moAll operating costs

Debt Service (P&I)$667.7Principal & interest

Returns & Deal Finance

5-Year IRR5.33% (if sold)8.61% if held

10-Year IRR7.98% (if sold)9.18% if held

Cash Flow Over Time

Equity Over Time

Strategy

Choose how you would actually run this deal and learn why the numbers change.

How To Use Strategy

1. Choose the plan. Pick Hold As-Is, Value-Add, BRRRR, Refinance, or Sale / Exit based on how you would actually run the deal.

2. Read the stages. Each stage shows what changes, the expected result, and the main risk to verify.

3. Fix blocked steps. If refinance is unavailable, the deal has not reached a valid stabilized month or refinance assumption yet.

No strategy paths yet. Pick a starter to begin testing a hold, value-add, refinance, or exit path against the baseline report.

Stress Test

See if the deal still works when rent, expenses, rates, or refinance assumptions move against you.

Rental income

Rental Income: $1391

695.52086.5

Expenses

Custom Expenses: $0

0250

Vacancy: 5%

020

Management Fees: 9%

020

Loan details

Purchase price: $130000

97500162500

Loan To Value (LTV): 70%

0100

Loan term: 30 years

130

Interest rate: 8.0%

015

Input Variables

Output Metric

Assumptions & Mechanics

Review the expense assumptions, debt service, and long-term equity mechanics behind the report.

Market-backed assumptions

Comparing your current report inputs to local market data for Louisville, KY (as of 2026-03-31).

Assumption	Your report	Market suggestion	Apply
Appreciation rate	2.0%/yr	Market: 5.1%/yr (5y avg) \| Suggested: 2.6%/yr (conservative) Louisville, KY 5y home-value CAGR (Zillow Research ZHVI/ZORI)
Rent growth	2.0%/yr	Market: 5.9%/yr (5y avg) \| Suggested: 3.0%/yr (conservative) Louisville, KY 5y rent CAGR (Zillow Research ZHVI/ZORI)
Rent-to-value context	Computed from your inputs	5.93% gross rent-to-value Annualized typical rent ÷ typical home value for the metro.	—

Source: Zillow Research ZHVI/ZORI · as of 2026-03-31

Total Expenses

$1332

Debt Service (P&I)

$668

Current purchase loan is included in debt service.

Refi unavailable

Taxes

$142

Insurance

$119

Fixed Expenses

$125

Electricity

Water & Sewer

Gas

Trash

Management

$125

Budgeting Expenses

$278

Vacancy

$70

Maintenance

$139

CapEx

$70

Metric	-	Year 1	Year 2	Year 3	Year 4	Year 5	Year 10	Year 15	Year 20	Year 25	Year 30
Property Value	$130.0k	$132.6k	$135.3k	$138.0k	$140.7k	$143.5k	$158.5k	$175.0k	$193.2k	$213.3k	$235.5k
Equity	$39.1k	$42.4k	$45.9k	$49.5k	$53.2k	$57.1k	$78.8k	$105.3k	$138.4k	$180.8k	$235.5k
Loan Balance	$90.9k	$90.2k	$89.3k	$88.4k	$87.5k	$86.4k	$79.7k	$69.7k	$54.7k	$32.5k	$0
Cash Flow	$59	$73	$88	$103	$119	$135	$218	$310	$412	$524	$648
Mortgage Payment	$668	$668	$668	$668	$668	$668	$668	$668	$668	$668	$668
Before Tax Equity Reversion	$31.3k	$34.5k	$37.8k	$41.2k	$44.8k	$48.5k	$69.3k	$94.8k	$126.8k	$168.0k	$221.3k
IRR (if held)	-	3.11%	6.80%	8.01%	8.59%	8.91%	9.42%	9.49%	9.47%	9.43%	9.39%
IRR (if sold)	-	-15.83%	-2.77%	1.92%	4.28%	5.68%	8.24%	8.91%	9.14%	9.23%	9.26%

The calculators provided by this tool are intended for informational and educational purposes only, and should not be construed as investment advice. We strongly recommend consulting with a real estate professional before making any investment decisions. The results produced by this tool may not accurately reflect the actual returns of your investments. We are not liable for any decisions made based on the information provided by this calculator. Furthermore, we are not responsible for any errors or omissions, whether human or mechanical, in the calculations. This tool may use property details from third-party sources, and we do not guarantee the accuracy, completeness, or suitability of this information. It is your responsibility to verify that the property details used are accurate and appropriate for your specific use case.