Pueblo Deal Analysis
Let's look at deal analysis for Pueblo, CO 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 Pueblo, Colorado Rental Property
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Typical 20% Down Payment Pueblo, Colorado Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$271,480
|
|
Purchase Price
|
|
$271,480
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$54,296
|
|
Closing Costs
|
1.000%
|
$2,715
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$16,110
|
|
Total Invested
|
|
$73,121
|
|
Mortgage
|
|
Mortgage Amount
|
|
$217,184
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$1,628
$1627.50
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$586
|
|
Property Taxes
|
0.706%
|
$1,917
|
|
Property Insurance
|
0.508%
|
$1,379
|
|
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%
|
$40,722
|
|
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 |
$279,624 |
$288,013 |
$296,654 |
$305,553 |
$314,720 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$8,144 |
$8,389 |
$8,640 |
$8,900 |
$9,167 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$1,628 |
$1,676 |
$1,727 |
$1,778 |
$1,832 |
| 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 |
$1,628 |
$1,676 |
$1,727 |
$1,778 |
$1,832 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$49 |
$50 |
$52 |
$53 |
$55 |
| Monthly Gross Operating Income |
$1,579 |
$1,626 |
$1,675 |
$1,725 |
$1,777 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$19,530 |
$20,116 |
$20,719 |
$21,341 |
$21,981 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$19,530 |
$20,116 |
$20,719 |
$21,341 |
$21,981 |
| Annual Vacancy Dollar |
$586 |
$603 |
$622 |
$640 |
$659 |
| Annual Gross Operating Income |
$18,944 |
$19,512 |
$20,098 |
$20,701 |
$21,322 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.706% |
0.706% |
0.706% |
0.706% |
0.706% |
| Property Taxes Dollar |
$1,917 |
$1,974 |
$2,033 |
$2,094 |
$2,157 |
| Insurance Percent |
0.508% |
0.508% |
0.508% |
0.508% |
0.508% |
| Insurance Dollar |
$1,379 |
$1,420 |
$1,463 |
$1,507 |
$1,552 |
| 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 |
$1,894 |
$1,951 |
$2,010 |
$2,070 |
$2,132 |
| 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 |
$5,190 |
$5,346 |
$5,506 |
$5,671 |
$5,842 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$13,754 |
$14,167 |
$14,592 |
$15,029 |
$15,480 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$17,339 |
$17,339 |
$17,339 |
$17,339 |
$17,339 |
| Principal |
$2,206 |
$2,366 |
$2,537 |
$2,720 |
$2,917 |
| Interest |
$15,133 |
$14,974 |
$14,802 |
$14,619 |
$14,422 |
| Loan Balance at End of Year |
$214,978 |
$212,612 |
$210,076 |
$207,355 |
$204,439 |
| 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 |
$64,647 |
$75,401 |
$86,578 |
$98,198 |
$110,281 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$3,585 |
-$3,173 |
-$2,748 |
-$2,310 |
-$1,859 |
| Monhtly Cash Flow |
-$299 |
-$264 |
-$229 |
-$192 |
-$155 |
| Cash on Cash Return on Investment |
-0.049% |
-0.043% |
-0.038% |
-0.032% |
-0.025% |
| 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 |