Roseville Deal Analysis
Let's look at deal analysis for Roseville, 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 Roseville, California Rental Property
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Typical 20% Down Payment Roseville, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$613,332
|
|
Purchase Price
|
|
$613,332
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$122,666
|
|
Closing Costs
|
1.000%
|
$6,133
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$133,983
|
|
Total Invested
|
|
$262,783
|
|
Mortgage
|
|
Mortgage Amount
|
|
$490,665.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,993
$2992.50
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,077
|
|
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%
|
|
|
Depreciation Details
|
|
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 |
$2,993 |
$3,082 |
$3,175 |
$3,270 |
$3,368 |
| 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 |
$2,993 |
$3,082 |
$3,175 |
$3,270 |
$3,368 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$90 |
$92 |
$95 |
$98 |
$101 |
| Monthly Gross Operating Income |
$2,903 |
$2,990 |
$3,080 |
$3,172 |
$3,267 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$35,910 |
$36,987 |
$38,097 |
$39,240 |
$40,417 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$35,910 |
$36,987 |
$38,097 |
$39,240 |
$40,417 |
| Annual Vacancy Dollar |
$1,077 |
$1,110 |
$1,143 |
$1,177 |
$1,213 |
| Annual Gross Operating Income |
$34,833 |
$35,878 |
$36,954 |
$38,063 |
$39,205 |
| 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 |
$3,483 |
$3,588 |
$3,695 |
$3,806 |
$3,920 |
| 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 |
$10,445 |
$10,758 |
$11,081 |
$11,413 |
$11,755 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$24,388 |
$25,120 |
$25,873 |
$26,650 |
$27,449 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$39,173 |
$39,173 |
$39,173 |
$39,173 |
$39,173 |
| Principal |
$4,984 |
$5,345 |
$5,731 |
$6,145 |
$6,589 |
| Interest |
$34,189 |
$33,828 |
$33,442 |
$33,028 |
$32,584 |
| Loan Balance at End of Year |
$485,681 |
$480,337 |
$474,606 |
$468,461 |
$461,871 |
| 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 |
$146,051 |
$170,347 |
$195,598 |
$221,850 |
$249,149 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$14,785 |
-$14,053 |
-$13,300 |
-$12,523 |
-$11,724 |
| Monhtly Cash Flow |
-$1,232 |
-$1,171 |
-$1,108 |
-$1,044 |
-$977 |
| 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 |