Roseville Deal Analysis
Let's look at deal analysis for Roseville, CA and for 
15 Buy 10 Nomads™ with 10% Higher Rents.
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 Roseville, California Nomad™ Property with 10% Higher Rents
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Typical Roseville, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
|
Percents
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Dollars/#
|
|
ARV
|
|
$613,332
|
|
Purchase Price
|
|
$613,332
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$30,667
|
|
Closing Costs
|
1.000%
|
$6,133
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$170,295
|
|
Total Invested
|
|
$207,095
|
|
Mortgage
|
|
Mortgage Amount
|
|
$582,665.40
|
|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$412.72
|
|
Drop PMI LTV
|
80.000%
|
|
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Income
|
|
Monthly Rent
|
|
$3,292
$3291.75
|
|
Other Income
|
|
$0
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|
Annual Expenses
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|
Vacancy Rate
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3.000%
|
$1,185
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Property Taxes
|
0.962%
|
$5,900
|
|
Property Insurance
|
0.173%
|
$1,061
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
|
|
Management
|
0.000%
|
|
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Depreciation Details
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|
Land Value
|
15.000%
|
$92,000
|
|
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 |
$631,732 |
$650,684 |
$670,204 |
$690,311 |
$711,020 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$18,400 |
$18,952 |
$19,521 |
$20,106 |
$20,709 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,292 |
$3,391 |
$3,492 |
$3,597 |
$3,705 |
| 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 |
$3,292 |
$3,391 |
$3,492 |
$3,597 |
$3,705 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$99 |
$102 |
$105 |
$108 |
$111 |
| Monthly Gross Operating Income |
$3,193 |
$3,289 |
$3,387 |
$3,489 |
$3,594 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$39,501 |
$40,686 |
$41,907 |
$43,164 |
$44,459 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$39,501 |
$40,686 |
$41,907 |
$43,164 |
$44,459 |
| Annual Vacancy Dollar |
$1,185 |
$1,221 |
$1,257 |
$1,295 |
$1,334 |
| Annual Gross Operating Income |
$38,316 |
$39,465 |
$40,649 |
$41,869 |
$43,125 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.962% |
0.962% |
0.962% |
0.962% |
0.962% |
| Property Taxes Dollar |
$5,900 |
$6,077 |
$6,260 |
$6,447 |
$6,641 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,061 |
$1,093 |
$1,126 |
$1,159 |
$1,194 |
| 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 |
$3,832 |
$3,947 |
$4,065 |
$4,187 |
$4,312 |
| 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 |
$10,793 |
$11,117 |
$11,450 |
$11,794 |
$12,148 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$27,523 |
$28,349 |
$29,199 |
$30,075 |
$30,977 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$44,194 |
$44,194 |
$44,194 |
$44,194 |
$44,194 |
| Principal |
$6,513 |
$6,949 |
$7,414 |
$7,911 |
$8,440 |
| Interest |
$37,682 |
$37,245 |
$36,780 |
$36,283 |
$35,754 |
| Loan Balance at End of Year |
$576,153 |
$569,204 |
$561,790 |
$553,879 |
$545,439 |
| Loan-To-Value |
91.202% |
87.478% |
83.824% |
80.236% |
76.712% |
| Private Mortgage Insurance (PMI) Rate |
0.850% |
0.850% |
0.850% |
0.850% |
|
| Private Mortgage Insurance Dollar |
$4,953 |
$4,953 |
$4,953 |
$4,953 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$55,579 |
$81,480 |
$108,414 |
$136,431 |
$165,581 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$21,624 |
-$20,798 |
-$19,948 |
-$19,072 |
-$13,217 |
| Monhtly Cash Flow |
-$1,802 |
-$1,733 |
-$1,662 |
-$1,589 |
-$1,101 |
| Cash on Cash Return on Investment |
-0.104% |
-0.100% |
-0.096% |
-0.092% |
-0.064% |
| 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 |