Escondido Deal Analysis
Let's look at deal analysis for Escondido, 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 Escondido, California Rental Property
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Typical 20% Down Payment Escondido, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$756,430
|
|
Purchase Price
|
|
$756,430
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$151,286
|
|
Closing Costs
|
1.000%
|
$7,564
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$101,345
|
|
Total Invested
|
|
$260,195
|
|
Mortgage
|
|
Mortgage Amount
|
|
$605,144
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,938
$3937.50
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,418
|
|
Property Taxes
|
0.832%
|
$6,293
|
|
Property Insurance
|
0.173%
|
$1,309
|
|
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%
|
$113,465
|
|
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 |
$779,123 |
$802,497 |
$826,571 |
$851,369 |
$876,910 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$22,693 |
$23,374 |
$24,075 |
$24,797 |
$25,541 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,938 |
$4,056 |
$4,177 |
$4,303 |
$4,432 |
| 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 |
$3,938 |
$4,056 |
$4,177 |
$4,303 |
$4,432 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$118 |
$122 |
$125 |
$129 |
$133 |
| Monthly Gross Operating Income |
$3,819 |
$3,934 |
$4,052 |
$4,174 |
$4,299 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$47,250 |
$48,668 |
$50,128 |
$51,631 |
$53,180 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$47,250 |
$48,668 |
$50,128 |
$51,631 |
$53,180 |
| Annual Vacancy Dollar |
$1,418 |
$1,460 |
$1,504 |
$1,549 |
$1,595 |
| Annual Gross Operating Income |
$45,833 |
$47,207 |
$48,624 |
$50,082 |
$51,585 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.832% |
0.832% |
0.832% |
0.832% |
0.832% |
| Property Taxes Dollar |
$6,293 |
$6,482 |
$6,677 |
$6,877 |
$7,083 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,309 |
$1,348 |
$1,388 |
$1,430 |
$1,473 |
| 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 |
$4,583 |
$4,721 |
$4,862 |
$5,008 |
$5,158 |
| 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 |
$12,185 |
$12,551 |
$12,927 |
$13,315 |
$13,715 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$33,647 |
$34,657 |
$35,696 |
$36,767 |
$37,870 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$48,312 |
$48,312 |
$48,312 |
$48,312 |
$48,312 |
| Principal |
$6,147 |
$6,592 |
$7,068 |
$7,579 |
$8,127 |
| Interest |
$42,165 |
$41,721 |
$41,244 |
$40,734 |
$40,186 |
| Loan Balance at End of Year |
$598,997 |
$592,405 |
$585,337 |
$577,758 |
$569,632 |
| 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 |
$180,126 |
$210,091 |
$241,234 |
$273,610 |
$307,278 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$14,665 |
-$13,656 |
-$12,616 |
-$11,545 |
-$10,442 |
| Monhtly Cash Flow |
-$1,222 |
-$1,138 |
-$1,051 |
-$962 |
-$870 |
| Cash on Cash Return on Investment |
-0.056% |
-0.052% |
-0.048% |
-0.044% |
-0.040% |
| 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 |