Oxnard Deal Analysis
Let's look at deal analysis for Oxnard, CA 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 Oxnard, California Nomad™ Property with 10% Higher Rents
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Typical Oxnard, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
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Percents
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Dollars/#
|
|
ARV
|
|
$657,794
|
|
Purchase Price
|
|
$657,794
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$32,890
|
|
Closing Costs
|
1.000%
|
$6,578
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$94,387
|
|
Total Invested
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|
$133,854
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Mortgage
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|
Mortgage Amount
|
|
$624,904.30
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Mortgage Interest Rate
|
6.500%
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|
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Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$442.64
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|
Drop PMI LTV
|
80.000%
|
|
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Income
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|
Monthly Rent
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|
$3,979
$3978.98
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Other Income
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|
$0
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Annual Expenses
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Vacancy Rate
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3.000%
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$1,432
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Property Taxes
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0.862%
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$5,670
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|
Property Insurance
|
0.173%
|
$1,138
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
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|
Other Expenses 2
|
|
$0
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Maintenance
|
10.000%
|
|
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CapEx
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|
$0
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Management
|
0.000%
|
|
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Depreciation Details
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|
Land Value
|
15.000%
|
$98,669
|
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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 |
$677,528 |
$697,854 |
$718,789 |
$740,353 |
$762,564 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$19,734 |
$20,326 |
$20,936 |
$21,564 |
$22,211 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,979 |
$4,098 |
$4,221 |
$4,348 |
$4,478 |
| 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 |
$3,979 |
$4,098 |
$4,221 |
$4,348 |
$4,478 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$119 |
$123 |
$127 |
$130 |
$134 |
| Monthly Gross Operating Income |
$3,860 |
$3,975 |
$4,095 |
$4,218 |
$4,344 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$47,748 |
$49,180 |
$50,656 |
$52,175 |
$53,741 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$47,748 |
$49,180 |
$50,656 |
$52,175 |
$53,741 |
| Annual Vacancy Dollar |
$1,432 |
$1,475 |
$1,520 |
$1,565 |
$1,612 |
| Annual Gross Operating Income |
$46,315 |
$47,705 |
$49,136 |
$50,610 |
$52,128 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.862% |
0.862% |
0.862% |
0.862% |
0.862% |
| Property Taxes Dollar |
$5,670 |
$5,840 |
$6,015 |
$6,196 |
$6,382 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,138 |
$1,172 |
$1,207 |
$1,244 |
$1,281 |
| 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 |
$4,632 |
$4,770 |
$4,914 |
$5,061 |
$5,213 |
| 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 |
$11,440 |
$11,783 |
$12,136 |
$12,500 |
$12,875 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$34,876 |
$35,922 |
$37,000 |
$38,110 |
$39,253 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$47,398 |
$47,398 |
$47,398 |
$47,398 |
$47,398 |
| Principal |
$6,985 |
$7,452 |
$7,952 |
$8,484 |
$9,052 |
| Interest |
$40,413 |
$39,945 |
$39,446 |
$38,914 |
$38,346 |
| Loan Balance at End of Year |
$617,920 |
$610,467 |
$602,516 |
$594,031 |
$584,979 |
| 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 |
$5,312 |
$5,312 |
$5,312 |
$5,312 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$59,608 |
$87,387 |
$116,274 |
$146,322 |
$177,584 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$17,834 |
-$16,788 |
-$15,710 |
-$14,600 |
-$8,145 |
| Monhtly Cash Flow |
-$1,486 |
-$1,399 |
-$1,309 |
-$1,217 |
-$679 |
| Cash on Cash Return on Investment |
-0.133% |
-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 |