02 · Investment
Underwrite the deal like an owner.
Cap rate, cash-on-cash, annual cash flow, and a 10-year projection — with NYC-realistic vacancy and carrying costs. Co-op subletting rules vary by building.
Inputs
Property type
Underwriting
Cap rate
2.64%
Cash-on-cash
-12.07%
NOI
$31,658/yr
Effective gross income
After vacancy
$59,280
Operating expenses
$27,622
Debt service
$6,140 / mo P&I
$73,675
Annual cash flow
-$42,017
NYC closing-day taxes
Mansion tax$12,0001.00% tier · $12,000Effective rate1.00%1.00% on full price = $12,000
10-year projection
Projected value$1,612,700Equity at year 10$835,907Total profit (vs. cash in)$67,732
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