Vallejo Deal Analysis
Let's look at deal analysis for Vallejo, 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 Vallejo, California Rental Property
|
Typical 20% Down Payment Vallejo, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$538,307
|
|
Purchase Price
|
|
$538,307
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$107,661
|
|
Closing Costs
|
1.000%
|
$5,383
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$52,740
|
|
Total Invested
|
|
$165,784
|
|
Mortgage
|
|
Mortgage Amount
|
|
$430,645.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,940
$2940.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,058
|
|
Property Taxes
|
0.839%
|
$4,516
|
|
Property Insurance
|
0.173%
|
$931
|
|
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%
|
$80,746
|
|
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 |
$554,456 |
$571,090 |
$588,223 |
$605,869 |
$624,045 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$16,149 |
$16,634 |
$17,133 |
$17,647 |
$18,176 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,940 |
$3,028 |
$3,119 |
$3,213 |
$3,309 |
| 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 |
$2,940 |
$3,028 |
$3,119 |
$3,213 |
$3,309 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$88 |
$91 |
$94 |
$96 |
$99 |
| Monthly Gross Operating Income |
$2,852 |
$2,937 |
$3,025 |
$3,116 |
$3,210 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$35,280 |
$36,338 |
$37,429 |
$38,551 |
$39,708 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$35,280 |
$36,338 |
$37,429 |
$38,551 |
$39,708 |
| Annual Vacancy Dollar |
$1,058 |
$1,090 |
$1,123 |
$1,157 |
$1,191 |
| Annual Gross Operating Income |
$34,222 |
$35,248 |
$36,306 |
$37,395 |
$38,517 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.839% |
0.839% |
0.839% |
0.839% |
0.839% |
| Property Taxes Dollar |
$4,516 |
$4,652 |
$4,791 |
$4,935 |
$5,083 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$931 |
$959 |
$988 |
$1,018 |
$1,048 |
| 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 |
$3,422 |
$3,525 |
$3,631 |
$3,739 |
$3,852 |
| 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 |
$8,870 |
$9,136 |
$9,410 |
$9,692 |
$9,983 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$25,352 |
$26,112 |
$26,896 |
$27,703 |
$28,534 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$34,381 |
$34,381 |
$34,381 |
$34,381 |
$34,381 |
| Principal |
$4,375 |
$4,691 |
$5,030 |
$5,394 |
$5,783 |
| Interest |
$30,007 |
$29,690 |
$29,351 |
$28,988 |
$28,598 |
| Loan Balance at End of Year |
$426,271 |
$421,580 |
$416,550 |
$411,157 |
$405,373 |
| 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 |
$128,185 |
$149,510 |
$171,672 |
$194,713 |
$218,672 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$9,029 |
-$8,269 |
-$7,486 |
-$6,679 |
-$5,848 |
| Monhtly Cash Flow |
-$752 |
-$689 |
-$624 |
-$557 |
-$487 |
| Cash on Cash Return on Investment |
-0.054% |
-0.050% |
-0.045% |
-0.040% |
-0.035% |
| 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 |