$995,900
Investment Summary
- Monthly Cash Flow
- -$2,939
- Cap Rate
- 2.1%
- Cash-on-Cash Return
- -15.4%
- Debt Coverage Ratio
- 0.38
- Internal Rate of Return (5 years)
- -10.9%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Welcome to a truly one-of-a-kind property in the sought-after St Regis neighborhood in the heart of Madison. This stately residence makes a grand first impression with a gated entrance, a porte-cochère that serves as a third garage or utility space, and rich cedar beams across the expansive front porch. Custom wrought iron doors by Mississippi Iron Works anchor the entry with timeless style and durability, flanked by two matching stationary iron doors that complete the striking exterior. Inside, a spacious foyer opens to a formal dining room and a sizable living room with a brick gas fireplace, custom mantle, and built-in bookcases. A wall of windows across the back allows natural light to flow in. A brick accent wall leads to the heart of the home—a massive kitchen and keeping area with custom brick flooring, stained pine ceilings, and a grand island with built-in bookshelves, microwave drawer, pull-out trash, ice maker, and more. The kitchen features a 6-burner gas cooktop, vent hood, pot filler, utensil drawer, double ovens, hammered copper farmhouse sink, and a beverage/coffee bar that connects to the butler's pantry. The kitchen and keeping area is nothing short of spectacular. Underfoot, custom brick flooring adds rustic charm, while above, a stained pine ceiling brings character and warmth. At the center of it all is a show-stopping island—so grand, it's better described as a continent. It features built-in bookshelves for cookbooks, a microwave drawer, garbage pullout, under-counter ice maker, and more. Overhead, dramatic pendant lighting adds just the right touch of style. Home chefs will love the 6-burner gas cooktop, powerful vent hood, pot filler, built-in utensil drawer, and dual pull-out spice racks. A hammered copper farmhouse sink sits beneath a window, while the side-wall beverage and coffee bar—complete with additional pantry storage—flows seamlessly into the butler's pantry. Whether you're gathering in the cozy keeping area or enjoying casual meals in the bright breakfast nook, this space was built for connection and comfort. The kitchen area flows into a cozy keeping area and a bright breakfast nook. Nearby is a charming powder room with a crystal doorknob and a practical mudroom with built-in benches, storage, and a desk nook, conveniently connected to the two-car attached garage. A private bedroom suite with a walk-in closet and en-suite bath offers flexibility, ideal for guests, multi-generational living, or a teen suite. The primary suite is tucked away on the other side of the home and provides a peaceful retreat, overlooking wooded views. The en-suite bath is beautifully appointed with double sinks, a private water closet, a luxurious soaker tub, and a stunning double-entry walk-in shower. A built-in vanity area simplifies daily routines, while two generous closets provide ample storage—one with direct access to the laundry room for added ease. The laundry room features a utility sink, ample storage, space for a second refrigerator, and an additional locker area for convenience. Upstairs, you'll find a guest bedroom with a full bath, a massive bonus room with built-in bookcases, and two large bedrooms connected by a Jack-and-Jill bath. Each bedroom has its own vanity and walk-in closet. Outside, the backyard is designed for year-round enjoyment. The open-air porch has a full outdoor kitchen, while the oversized screened-in porch offers a relaxing space. A custom Blue Haven sport pool with a gunite pebble finish, tanning ledge, brick knee wall, and LED lighting is the centerpiece. A custom firepit area, built-in basketball goal, and side yard for play complete the outdoor experience. Nestled in a quiet cul-de-sac, backing to peaceful woods, this home offers luxury living with ample space. Minutes from shopping, schools, restaurants, and I-55, this home offers the perfect blend of style, comfort, and convenience in one of Madison's most desirable neighborhoods.
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Location
Property Details
Parking
- Details: Attached, Detached, Electric Gate, Garage Door Opener, Gated, Storage
- Garage Spaces: 3
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 6
Bathroom Information
- # of Baths (Full): 4
- # of Baths (Total): 5.0
Interior Features
- # of Stories: 1
- Fireplace: Yes
Exterior Features
- Exterior Walls Materials: Brick Veneer
- Roof Type: Hip
- Pool: Yes
HOA
- Has HOA: Yes
- HOA Fee: $500/semi-annually
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 072B10B120
- Lot Size: 26571 sqft
Property Information
- Property Type: Single Family Residence
- Style: French Acadian
- Year Built: 2014
Tax Information
- Annual Tax: $6,697
Utilities
- Water & Sewer: Public
- Heating: Central, Natural Gas
- Cooling: Central Air, Ceiling Fan(s), Gas, Multi Units
Location
- County: Madison
Listing Details
Investment Summary
- Monthly Cash Flow
- -$2,939
- Cap Rate
- 2.1%
- Cash-on-Cash Return
- -15.4%
- Debt Coverage Ratio
- 0.38
- Internal Rate of Return (5 years)
- -10.9%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $995,900 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$796,720 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $199,180 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $29,877 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $229,057 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 0 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| n/a |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| n/a |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $796,720 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 5.875% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $4,713 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $558 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $245 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $5,516 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $3,500 | $42,000 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$210 | -$2,520 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $3,290 | $39,480 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 16% | -$558 | -$6,697 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$245 | -$2,940 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$280 | -$3,360 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$175 | -$2,100 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$175 | -$2,100 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | 2% | -$83 | -$996 |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 43% | -$1,516 | -$18,193 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $1,774 | $21,288 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$4,713 | -$56,556 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $2,939 | $35,268 |