Hayward Deal Analysis
Let's look at deal analysis for Hayward, 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 Hayward, California Rental Property
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Typical 20% Down Payment Hayward, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$871,887
|
|
Purchase Price
|
|
$871,887
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$174,377
|
|
Closing Costs
|
1.000%
|
$8,719
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$201,061
|
|
Total Invested
|
|
$384,157
|
|
Mortgage
|
|
Mortgage Amount
|
|
$697,509.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$4,095
$4095.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,474
|
|
Property Taxes
|
0.827%
|
$7,211
|
|
Property Insurance
|
0.173%
|
$1,508
|
|
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%
|
$130,783
|
|
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 |
$898,044 |
$924,985 |
$952,734 |
$981,316 |
$1,010,756 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$26,157 |
$26,941 |
$27,750 |
$28,582 |
$29,439 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$4,095 |
$4,218 |
$4,344 |
$4,475 |
$4,609 |
| 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 |
$4,095 |
$4,218 |
$4,344 |
$4,475 |
$4,609 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$123 |
$127 |
$130 |
$134 |
$138 |
| Monthly Gross Operating Income |
$3,972 |
$4,091 |
$4,214 |
$4,340 |
$4,471 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$49,140 |
$50,614 |
$52,133 |
$53,697 |
$55,308 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$49,140 |
$50,614 |
$52,133 |
$53,697 |
$55,308 |
| Annual Vacancy Dollar |
$1,474 |
$1,518 |
$1,564 |
$1,611 |
$1,659 |
| Annual Gross Operating Income |
$47,666 |
$49,096 |
$50,569 |
$52,086 |
$53,648 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.827% |
0.827% |
0.827% |
0.827% |
0.827% |
| Property Taxes Dollar |
$7,211 |
$7,427 |
$7,650 |
$7,879 |
$8,115 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,508 |
$1,554 |
$1,600 |
$1,648 |
$1,698 |
| 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 |
$4,767 |
$4,910 |
$5,057 |
$5,209 |
$5,365 |
| 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 |
$13,485 |
$13,890 |
$14,307 |
$14,736 |
$15,178 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$34,180 |
$35,206 |
$36,262 |
$37,350 |
$38,470 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$55,687 |
$55,687 |
$55,687 |
$55,687 |
$55,687 |
| Principal |
$7,085 |
$7,598 |
$8,147 |
$8,736 |
$9,367 |
| Interest |
$48,601 |
$48,089 |
$47,540 |
$46,951 |
$46,319 |
| Loan Balance at End of Year |
$690,424 |
$682,827 |
$674,680 |
$665,944 |
$656,577 |
| 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 |
$207,619 |
$242,158 |
$278,055 |
$315,372 |
$354,179 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$21,506 |
-$20,481 |
-$19,425 |
-$18,337 |
-$17,216 |
| Monhtly Cash Flow |
-$1,792 |
-$1,707 |
-$1,619 |
-$1,528 |
-$1,435 |
| Cash on Cash Return on Investment |
-0.056% |
-0.053% |
-0.051% |
-0.048% |
-0.045% |
| 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 |