Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

The FORMULA you need to remember#multifamily #multifamilystrategy #realestatetips

31 Mar 2025 · 0 min

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0:20

Christian Osgood explains how to evaluate a loan: divide principal plus interest by the loan amount to get your actual cost of capital, then make sure it's lower than the deal's cash-on-cash return so you're not borrowing at a rate that exceeds what the property yields.

If you don't know how to negotiate your interest rate, all you have to remember is your actual cost of capital, principal plus interest, divided by the loan amount just needs to be less than the cash-on-cash return on the deal. Like the actual yield of the deal, the cap rate of the deal, every dollar in the deal makes 6%. I need to borrow at a blend of principal and interest at a cost that is lower than the amount that that cash makes.

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