Visalia Deal Analysis
Let's look at deal analysis for Visalia, 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 Visalia, California Rental Property
|
Typical 20% Down Payment Visalia, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$328,660
|
|
Purchase Price
|
|
$328,660
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$65,732
|
|
Closing Costs
|
1.000%
|
$3,287
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$319
|
|
Total Invested
|
|
$69,337
|
|
Mortgage
|
|
Mortgage Amount
|
|
$262,928
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,310
$2310.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$832
|
|
Property Taxes
|
0.909%
|
$2,988
|
|
Property Insurance
|
0.173%
|
$569
|
|
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%
|
$49,299
|
|
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 |
$338,520 |
$348,675 |
$359,136 |
$369,910 |
$381,007 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$9,860 |
$10,156 |
$10,460 |
$10,774 |
$11,097 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,310 |
$2,379 |
$2,451 |
$2,524 |
$2,600 |
| 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 |
$2,310 |
$2,379 |
$2,451 |
$2,524 |
$2,600 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$69 |
$71 |
$74 |
$76 |
$78 |
| Monthly Gross Operating Income |
$2,241 |
$2,308 |
$2,377 |
$2,448 |
$2,522 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$27,720 |
$28,552 |
$29,408 |
$30,290 |
$31,199 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$27,720 |
$28,552 |
$29,408 |
$30,290 |
$31,199 |
| Annual Vacancy Dollar |
$832 |
$857 |
$882 |
$909 |
$936 |
| Annual Gross Operating Income |
$26,888 |
$27,695 |
$28,526 |
$29,382 |
$30,263 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.909% |
0.909% |
0.909% |
0.909% |
0.909% |
| Property Taxes Dollar |
$2,988 |
$3,077 |
$3,169 |
$3,265 |
$3,362 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$569 |
$586 |
$603 |
$621 |
$640 |
| 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 |
$2,689 |
$2,770 |
$2,853 |
$2,938 |
$3,026 |
| 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 |
$6,245 |
$6,432 |
$6,625 |
$6,824 |
$7,029 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$20,643 |
$21,263 |
$21,901 |
$22,558 |
$23,234 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$20,991 |
$20,991 |
$20,991 |
$20,991 |
$20,991 |
| Principal |
$2,671 |
$2,864 |
$3,071 |
$3,293 |
$3,531 |
| Interest |
$18,320 |
$18,127 |
$17,920 |
$17,698 |
$17,460 |
| Loan Balance at End of Year |
$260,257 |
$257,393 |
$254,322 |
$251,029 |
$247,498 |
| 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 |
$78,263 |
$91,282 |
$104,814 |
$118,881 |
$133,509 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$348 |
$272 |
$909 |
$1,566 |
$2,243 |
| Monhtly Cash Flow |
-$29 |
$23 |
$76 |
$131 |
$187 |
| Cash on Cash Return on Investment |
-0.005% |
0.004% |
0.013% |
0.023% |
0.032% |
| 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 |