Sacramento Deal Analysis
Let's look at deal analysis for Sacramento, 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 Sacramento, California Rental Property
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Typical 20% Down Payment Sacramento, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$457,746
|
|
Purchase Price
|
|
$457,746
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$91,549
|
|
Closing Costs
|
1.000%
|
$4,577
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$96,127
|
|
Mortgage
|
|
Mortgage Amount
|
|
$366,196.80
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,620
$3620.40
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,303
|
|
Property Taxes
|
0.889%
|
$4,069
|
|
Property Insurance
|
0.173%
|
$792
|
|
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%
|
$68,662
|
|
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 |
$471,478 |
$485,623 |
$500,191 |
$515,197 |
$530,653 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$13,732 |
$14,144 |
$14,569 |
$15,006 |
$15,456 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,620 |
$3,729 |
$3,841 |
$3,956 |
$4,075 |
| 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 |
$3,620 |
$3,729 |
$3,841 |
$3,956 |
$4,075 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$109 |
$112 |
$115 |
$119 |
$122 |
| Monthly Gross Operating Income |
$3,512 |
$3,617 |
$3,726 |
$3,837 |
$3,953 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$43,445 |
$44,748 |
$46,091 |
$47,473 |
$48,898 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$43,445 |
$44,748 |
$46,091 |
$47,473 |
$48,898 |
| Annual Vacancy Dollar |
$1,303 |
$1,342 |
$1,383 |
$1,424 |
$1,467 |
| Annual Gross Operating Income |
$42,141 |
$43,406 |
$44,708 |
$46,049 |
$47,431 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.889% |
0.889% |
0.889% |
0.889% |
0.889% |
| Property Taxes Dollar |
$4,069 |
$4,191 |
$4,317 |
$4,447 |
$4,580 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$792 |
$816 |
$840 |
$865 |
$891 |
| 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 |
$4,214 |
$4,341 |
$4,471 |
$4,605 |
$4,743 |
| 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 |
$9,075 |
$9,348 |
$9,628 |
$9,917 |
$10,214 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$33,066 |
$34,058 |
$35,080 |
$36,132 |
$37,216 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$29,236 |
$29,236 |
$29,236 |
$29,236 |
$29,236 |
| Principal |
$3,720 |
$3,989 |
$4,277 |
$4,586 |
$4,918 |
| Interest |
$25,516 |
$25,247 |
$24,959 |
$24,649 |
$24,318 |
| Loan Balance at End of Year |
$362,477 |
$358,488 |
$354,211 |
$349,625 |
$344,707 |
| 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 |
$109,001 |
$127,135 |
$145,981 |
$165,573 |
$185,946 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$3,830 |
$4,822 |
$5,844 |
$6,896 |
$7,980 |
| Monhtly Cash Flow |
$319 |
$402 |
$487 |
$575 |
$665 |
| Cash on Cash Return on Investment |
0.040% |
0.050% |
0.061% |
0.072% |
0.083% |
| 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 |