San Francisco Deal Analysis
Let's look at deal analysis for San Francisco, 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 San Francisco, California Nomad™ Property with 10% Higher Rents
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Typical San Francisco, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
|
Percents
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Dollars/#
|
|
ARV
|
|
$1,149,668
|
|
Purchase Price
|
|
$1,149,668
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$57,483
|
|
Closing Costs
|
1.000%
|
$11,497
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$155,984
|
|
Total Invested
|
|
$224,964
|
|
Mortgage
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|
Mortgage Amount
|
|
$1,092,184.60
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|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$773.63
|
|
Drop PMI LTV
|
80.000%
|
|
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Income
|
|
Monthly Rent
|
|
$6,924
$6924.23
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Other Income
|
|
$0
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|
Annual Expenses
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|
Vacancy Rate
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3.000%
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$2,493
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|
Property Taxes
|
0.773%
|
$8,887
|
|
Property Insurance
|
0.173%
|
$1,989
|
|
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%
|
$172,450
|
|
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 |
$1,184,158 |
$1,219,683 |
$1,256,273 |
$1,293,961 |
$1,332,780 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$34,490 |
$35,525 |
$36,590 |
$37,688 |
$38,819 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$6,924 |
$7,132 |
$7,346 |
$7,566 |
$7,793 |
| 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 |
$6,924 |
$7,132 |
$7,346 |
$7,566 |
$7,793 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$208 |
$214 |
$220 |
$227 |
$234 |
| Monthly Gross Operating Income |
$6,717 |
$6,918 |
$7,126 |
$7,339 |
$7,559 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$83,091 |
$85,583 |
$88,151 |
$90,796 |
$93,519 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$83,091 |
$85,583 |
$88,151 |
$90,796 |
$93,519 |
| Annual Vacancy Dollar |
$2,493 |
$2,568 |
$2,645 |
$2,724 |
$2,806 |
| Annual Gross Operating Income |
$80,598 |
$83,016 |
$85,506 |
$88,072 |
$90,714 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.773% |
0.773% |
0.773% |
0.773% |
0.773% |
| Property Taxes Dollar |
$8,887 |
$9,154 |
$9,428 |
$9,711 |
$10,002 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,989 |
$2,049 |
$2,110 |
$2,173 |
$2,239 |
| 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 |
$8,060 |
$8,302 |
$8,551 |
$8,807 |
$9,071 |
| 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 |
$18,936 |
$19,504 |
$20,089 |
$20,692 |
$21,312 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$61,662 |
$63,512 |
$65,418 |
$67,380 |
$69,402 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$82,840 |
$82,840 |
$82,840 |
$82,840 |
$82,840 |
| Principal |
$12,208 |
$13,025 |
$13,898 |
$14,828 |
$15,821 |
| Interest |
$70,633 |
$69,815 |
$68,943 |
$68,012 |
$67,019 |
| Loan Balance at End of Year |
$1,079,977 |
$1,066,952 |
$1,053,054 |
$1,038,226 |
$1,022,405 |
| 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 |
$9,284 |
$9,284 |
$9,284 |
$9,284 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$104,181 |
$152,731 |
$203,219 |
$255,735 |
$310,376 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$30,461 |
-$28,612 |
-$26,706 |
-$24,744 |
-$13,439 |
| Monhtly Cash Flow |
-$2,538 |
-$2,384 |
-$2,226 |
-$2,062 |
-$1,120 |
| Cash on Cash Return on Investment |
-0.135% |
-0.127% |
-0.119% |
-0.110% |
-0.060% |
| 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 |