How Caprium works
Transparent calculations, verified data sources, and the metrics that matter for rental property investing.
Where the data comes from
We auto-populate what we can and flag everything else.
| Data point | Source | Confidence |
|---|---|---|
| Property tax | County assessor records | Verified |
| Estimated rent | Rentcast, Zillow Rent Zestimate | Estimated |
| Insurance | Market average by region | Estimated |
| HOA | MLS / listing data | Verify |
Metrics we calculate
| Metric | Formula |
|---|---|
| Cash Flow | Effective Income - Operating Expenses - Mortgage |
| Cash-on-Cash Return | (Annual Cash Flow / Total Cash Invested) x 100 |
| Cap Rate | (NOI / Purchase Price) x 100 |
| DSCR | NOI / Annual Debt Service |
| Gross Rent Multiplier | Purchase Price / Annual Gross Rent |
Loan types explained
Conventional
Best forStrong credit + W-2 incomeTerms20% down, 7.0%, 30yrConstraintUp to 10 financed properties
FHA
Best forFirst-time, owner-occupyTerms3.5% down, 6.5%, 30yrConstraintPrimary residence 1 year
DSCR
Best forScaling on property incomeTerms25% down, 7.5%, 30yrConstraintDSCR 1.0-1.25+ required
Hard Money
Best forFlips and bridge financingTerms30% down, 12.0%, 5yrConstraintHigh cost — refi exit needed
| Type | Best for | Typical terms | Key constraint |
|---|---|---|---|
| Conventional | Strong credit + W-2 income | 20% down, 7.0%, 30yr | Up to 10 financed properties |
| FHA | First-time, owner-occupy | 3.5% down, 6.5%, 30yr | Primary residence 1 year |
| DSCR | Scaling on property income | 25% down, 7.5%, 30yr | DSCR 1.0-1.25+ required |
| Hard Money | Flips and bridge financing | 30% down, 12.0%, 5yr | High cost — refi exit needed |
What you should always verify
- !Actual rent — check 3-5 comparable listings, not just one estimate
- !Property taxes — verify with the county assessor, not the listing
- !Insurance — get an actual quote for a landlord policy
- !HOA — confirm amount and what's covered (especially for condos)
- !Vacancy rate — research your specific submarket, not city-wide averages
- !CapEx needs — get an inspection. Roofs and HVAC are expensive surprises
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