Arden-Arcade Deal Analysis
Let's look at deal analysis for Arden-Arcade, CA and for 
32 10 20% Down Rental Properties (no Owner-Occupant).
The analysis is based on The World's Greatest Real Estate Deal Analysis Spreadsheet™ (shown above)... a free spreadsheet download you can use to analyze your own deals.
Typical 20% Down Payment Arden-Arcade, California Rental Property
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Typical 20% Down Payment Arden-Arcade, California Rental Property
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|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$499,352
|
|
Purchase Price
|
|
$499,352
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$99,870
|
|
Closing Costs
|
1.000%
|
$4,994
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$66,562
|
|
Total Invested
|
|
$171,426
|
|
Mortgage
|
|
Mortgage Amount
|
|
$399,481.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,591
$2591.40
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$933
|
|
Property Taxes
|
0.811%
|
$4,050
|
|
Property Insurance
|
0.173%
|
$864
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
|
|
Management
|
0.000%
|
|
|
Depreciation Details
|
|
Land Value
|
15.000%
|
$74,903
|
|
Property Type (C or R)
|
R
|
27.5
|
|
Effective Income Tax Rate
|
15.000%
|
|
| Property Value |
1 |
2 |
3 |
4 |
5 |
| ARV at End of Year |
$514,333 |
$529,763 |
$545,655 |
$562,025 |
$578,886 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$14,981 |
$15,430 |
$15,893 |
$16,370 |
$16,861 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,591 |
$2,669 |
$2,749 |
$2,832 |
$2,917 |
| Monthly Other Income Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Monthly Gross Potential Income |
$2,591 |
$2,669 |
$2,749 |
$2,832 |
$2,917 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$78 |
$80 |
$82 |
$85 |
$87 |
| Monthly Gross Operating Income |
$2,514 |
$2,589 |
$2,667 |
$2,747 |
$2,829 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$31,097 |
$32,030 |
$32,991 |
$33,980 |
$35,000 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$31,097 |
$32,030 |
$32,991 |
$33,980 |
$35,000 |
| Annual Vacancy Dollar |
$933 |
$961 |
$990 |
$1,019 |
$1,050 |
| Annual Gross Operating Income |
$30,164 |
$31,069 |
$32,001 |
$32,961 |
$33,950 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.811% |
0.811% |
0.811% |
0.811% |
0.811% |
| Property Taxes Dollar |
$4,050 |
$4,171 |
$4,296 |
$4,425 |
$4,558 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$864 |
$890 |
$916 |
$944 |
$972 |
| HOA Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| HOA Dues Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Utilities Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Utilities Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Other Expense 1 Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Other Expense 1 Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Other Expense 2 Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Other Expense 2 Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Maintenance Percent |
10.000% |
10.000% |
10.000% |
10.000% |
10.000% |
| Maintenance Dollar |
$3,016 |
$3,107 |
$3,200 |
$3,296 |
$3,395 |
| CapEx Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| CapEx Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Property Management Percent |
0.000% |
0.000% |
0.000% |
0.000% |
0.000% |
| Property Management Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Operating Expenses |
$7,930 |
$8,168 |
$8,413 |
$8,665 |
$8,925 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$22,234 |
$22,901 |
$23,588 |
$24,296 |
$25,024 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$31,893 |
$31,893 |
$31,893 |
$31,893 |
$31,893 |
| Principal |
$4,058 |
$4,351 |
$4,666 |
$5,003 |
$5,365 |
| Interest |
$27,835 |
$27,542 |
$27,227 |
$26,890 |
$26,528 |
| Loan Balance at End of Year |
$395,424 |
$391,072 |
$386,406 |
$381,403 |
$376,038 |
| Loan-To-Value |
76.881% |
73.820% |
70.815% |
67.862% |
64.959% |
| Private Mortgage Insurance (PMI) Rate |
0.000% |
0.000% |
0.000% |
0.000% |
0.000% |
| Private Mortgage Insurance Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$118,909 |
$138,690 |
$159,249 |
$180,622 |
$202,847 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$9,659 |
-$8,992 |
-$8,305 |
-$7,598 |
-$6,869 |
| Monhtly Cash Flow |
-$805 |
-$749 |
-$692 |
-$633 |
-$572 |
| Cash on Cash Return on Investment |
-0.056% |
-0.052% |
-0.048% |
-0.044% |
-0.040% |
| Cap Rate |
|
|
|
|
|
| DSCR |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Negative Cash Flow |
$0 |
$0 |
$0 |
$0 |
$0 |
| Cumulative Negative Cash Flow |
$0 |
$0 |
$0 |
$0 |
$0 |