Oceanside Deal Analysis
Let's look at deal analysis for Oceanside, 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 Oceanside, California Rental Property
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Typical 20% Down Payment Oceanside, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$769,515
|
|
Purchase Price
|
|
$769,515
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$153,903
|
|
Closing Costs
|
1.000%
|
$7,695
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$73,372
|
|
Total Invested
|
|
$234,970
|
|
Mortgage
|
|
Mortgage Amount
|
|
$615,612
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$4,142
$4142.25
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,491
|
|
Property Taxes
|
0.736%
|
$5,664
|
|
Property Insurance
|
0.173%
|
$1,331
|
|
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%
|
$115,427
|
|
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 |
$792,600 |
$816,378 |
$840,870 |
$866,096 |
$892,079 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$23,085 |
$23,778 |
$24,491 |
$25,226 |
$25,983 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$4,142 |
$4,267 |
$4,395 |
$4,526 |
$4,662 |
| 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 |
$4,142 |
$4,267 |
$4,395 |
$4,526 |
$4,662 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$124 |
$128 |
$132 |
$136 |
$140 |
| Monthly Gross Operating Income |
$4,018 |
$4,139 |
$4,263 |
$4,391 |
$4,522 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$49,707 |
$51,198 |
$52,734 |
$54,316 |
$55,946 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$49,707 |
$51,198 |
$52,734 |
$54,316 |
$55,946 |
| Annual Vacancy Dollar |
$1,491 |
$1,536 |
$1,582 |
$1,629 |
$1,678 |
| Annual Gross Operating Income |
$48,216 |
$49,662 |
$51,152 |
$52,687 |
$54,267 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.736% |
0.736% |
0.736% |
0.736% |
0.736% |
| Property Taxes Dollar |
$5,664 |
$5,834 |
$6,009 |
$6,189 |
$6,374 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,331 |
$1,371 |
$1,412 |
$1,455 |
$1,498 |
| 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 |
$4,822 |
$4,966 |
$5,115 |
$5,269 |
$5,427 |
| 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 |
$11,816 |
$12,171 |
$12,536 |
$12,912 |
$13,300 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$36,399 |
$37,491 |
$38,616 |
$39,775 |
$40,968 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$49,148 |
$49,148 |
$49,148 |
$49,148 |
$49,148 |
| Principal |
$6,253 |
$6,705 |
$7,190 |
$7,710 |
$8,267 |
| Interest |
$42,895 |
$42,443 |
$41,958 |
$41,438 |
$40,881 |
| Loan Balance at End of Year |
$609,359 |
$602,653 |
$595,463 |
$587,753 |
$579,486 |
| 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 |
$183,242 |
$213,725 |
$245,407 |
$278,343 |
$312,593 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$12,749 |
-$11,657 |
-$10,532 |
-$9,374 |
-$8,180 |
| Monhtly Cash Flow |
-$1,062 |
-$971 |
-$878 |
-$781 |
-$682 |
| 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 |