Eugene Deal Analysis
Let's look at deal analysis for Eugene, OR 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 Eugene, Oregon Nomad™ Property with 10% Higher Rents
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Typical Eugene, Oregon Nomad™ Property with 10% Higher Rents
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Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$428,254
|
|
Purchase Price
|
|
$428,254
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$21,413
|
|
Closing Costs
|
1.000%
|
$4,283
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$62,976
|
|
Total Invested
|
|
$88,671
|
|
Mortgage
|
|
Mortgage Amount
|
|
$406,841.30
|
|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$288.18
|
|
Drop PMI LTV
|
80.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,772
$2772.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
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|
Vacancy Rate
|
3.000%
|
$998
|
|
Property Taxes
|
1.224%
|
$5,242
|
|
Property Insurance
|
0.283%
|
$1,212
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
|
|
Management
|
0.000%
|
|
|
Depreciation Details
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|
Land Value
|
15.000%
|
$64,238
|
|
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 |
$441,102 |
$454,335 |
$467,965 |
$482,004 |
$496,464 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$12,848 |
$13,233 |
$13,630 |
$14,039 |
$14,460 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,772 |
$2,855 |
$2,941 |
$3,029 |
$3,120 |
| 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 |
$2,772 |
$2,855 |
$2,941 |
$3,029 |
$3,120 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$83 |
$86 |
$88 |
$91 |
$94 |
| Monthly Gross Operating Income |
$2,689 |
$2,770 |
$2,853 |
$2,938 |
$3,026 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$33,264 |
$34,262 |
$35,290 |
$36,348 |
$37,439 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$33,264 |
$34,262 |
$35,290 |
$36,348 |
$37,439 |
| Annual Vacancy Dollar |
$998 |
$1,028 |
$1,059 |
$1,090 |
$1,123 |
| Annual Gross Operating Income |
$32,266 |
$33,234 |
$34,231 |
$35,258 |
$36,316 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
1.224% |
1.224% |
1.224% |
1.224% |
1.224% |
| Property Taxes Dollar |
$5,242 |
$5,399 |
$5,561 |
$5,728 |
$5,900 |
| Insurance Percent |
0.283% |
0.283% |
0.283% |
0.283% |
0.283% |
| Insurance Dollar |
$1,212 |
$1,248 |
$1,286 |
$1,324 |
$1,364 |
| 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 |
$3,227 |
$3,323 |
$3,423 |
$3,526 |
$3,632 |
| 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 |
$9,680 |
$9,971 |
$10,270 |
$10,578 |
$10,895 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$22,586 |
$23,263 |
$23,961 |
$24,680 |
$25,420 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$30,858 |
$30,858 |
$30,858 |
$30,858 |
$30,858 |
| Principal |
$4,547 |
$4,852 |
$5,177 |
$5,524 |
$5,893 |
| Interest |
$26,311 |
$26,006 |
$25,681 |
$25,335 |
$24,965 |
| Loan Balance at End of Year |
$402,294 |
$397,442 |
$392,265 |
$386,742 |
$380,848 |
| 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 |
$3,458 |
$3,458 |
$3,458 |
$3,458 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$38,808 |
$56,893 |
$75,699 |
$95,262 |
$115,615 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$11,731 |
-$11,053 |
-$10,355 |
-$9,636 |
-$5,438 |
| Monhtly Cash Flow |
-$978 |
-$921 |
-$863 |
-$803 |
-$453 |
| Cash on Cash Return on Investment |
-0.132% |
-0.125% |
-0.117% |
-0.109% |
-0.061% |
| 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 |