Oxnard Deal Analysis
Let's look at deal analysis for Oxnard, 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 Oxnard, California Rental Property
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Typical 20% Down Payment Oxnard, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$657,794
|
|
Purchase Price
|
|
$657,794
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$131,559
|
|
Closing Costs
|
1.000%
|
$6,578
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$63,084
|
|
Total Invested
|
|
$201,221
|
|
Mortgage
|
|
Mortgage Amount
|
|
$526,235.20
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,617
$3617.25
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,302
|
|
Property Taxes
|
0.862%
|
$5,670
|
|
Property Insurance
|
0.173%
|
$1,138
|
|
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%
|
$98,669
|
|
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 |
$3,617 |
$3,726 |
$3,838 |
$3,953 |
$4,071 |
| 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 |
$3,617 |
$3,726 |
$3,838 |
$3,953 |
$4,071 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$109 |
$112 |
$115 |
$119 |
$122 |
| Monthly Gross Operating Income |
$3,509 |
$3,614 |
$3,722 |
$3,834 |
$3,949 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$43,407 |
$44,709 |
$46,050 |
$47,432 |
$48,855 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$43,407 |
$44,709 |
$46,050 |
$47,432 |
$48,855 |
| Annual Vacancy Dollar |
$1,302 |
$1,341 |
$1,382 |
$1,423 |
$1,466 |
| Annual Gross Operating Income |
$42,105 |
$43,368 |
$44,669 |
$46,009 |
$47,389 |
| 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 |
$4,210 |
$4,337 |
$4,467 |
$4,601 |
$4,739 |
| 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 |
$11,019 |
$11,349 |
$11,690 |
$12,040 |
$12,402 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$31,086 |
$32,019 |
$32,979 |
$33,969 |
$34,988 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$42,013 |
$42,013 |
$42,013 |
$42,013 |
$42,013 |
| Principal |
$5,346 |
$5,732 |
$6,146 |
$6,591 |
$7,067 |
| Interest |
$36,667 |
$36,281 |
$35,866 |
$35,422 |
$34,946 |
| Loan Balance at End of Year |
$520,890 |
$515,158 |
$509,011 |
$502,420 |
$495,353 |
| 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 |
$156,638 |
$182,696 |
$209,778 |
$237,933 |
$267,210 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$10,927 |
-$9,994 |
-$9,033 |
-$8,044 |
-$7,025 |
| Monhtly Cash Flow |
-$911 |
-$833 |
-$753 |
-$670 |
-$585 |
| 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 |