Sacramento Deal Analysis
Let's look at deal analysis for Sacramento, 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 Sacramento, California Nomad™ Property with 10% Higher Rents
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Typical Sacramento, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
|
Percents
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Dollars/#
|
|
ARV
|
|
$457,746
|
|
Purchase Price
|
|
$457,746
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$22,887
|
|
Closing Costs
|
1.000%
|
$4,577
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$27,465
|
|
Mortgage
|
|
Mortgage Amount
|
|
$434,858.70
|
|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$308.02
|
|
Drop PMI LTV
|
80.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,982
$3982.44
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|
Other Income
|
|
$0
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|
Annual Expenses
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|
Vacancy Rate
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3.000%
|
$1,434
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|
Property Taxes
|
0.889%
|
$4,069
|
|
Property Insurance
|
0.173%
|
$792
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
|
|
Management
|
0.000%
|
|
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Depreciation Details
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|
Land Value
|
15.000%
|
$68,662
|
|
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 |
$471,478 |
$485,623 |
$500,191 |
$515,197 |
$530,653 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$13,732 |
$14,144 |
$14,569 |
$15,006 |
$15,456 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,982 |
$4,102 |
$4,225 |
$4,352 |
$4,482 |
| 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 |
$3,982 |
$4,102 |
$4,225 |
$4,352 |
$4,482 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$119 |
$123 |
$127 |
$131 |
$134 |
| Monthly Gross Operating Income |
$3,863 |
$3,979 |
$4,098 |
$4,221 |
$4,348 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$47,789 |
$49,223 |
$50,700 |
$52,221 |
$53,787 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$47,789 |
$49,223 |
$50,700 |
$52,221 |
$53,787 |
| Annual Vacancy Dollar |
$1,434 |
$1,477 |
$1,521 |
$1,567 |
$1,614 |
| Annual Gross Operating Income |
$46,356 |
$47,746 |
$49,179 |
$50,654 |
$52,174 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.889% |
0.889% |
0.889% |
0.889% |
0.889% |
| Property Taxes Dollar |
$4,069 |
$4,191 |
$4,317 |
$4,447 |
$4,580 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$792 |
$816 |
$840 |
$865 |
$891 |
| 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 |
$4,636 |
$4,775 |
$4,918 |
$5,065 |
$5,217 |
| 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 |
$9,497 |
$9,782 |
$10,075 |
$10,377 |
$10,689 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$36,859 |
$37,965 |
$39,103 |
$40,277 |
$41,485 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$32,983 |
$32,983 |
$32,983 |
$32,983 |
$32,983 |
| Principal |
$4,860 |
$5,186 |
$5,533 |
$5,904 |
$6,299 |
| Interest |
$28,123 |
$27,797 |
$27,450 |
$27,079 |
$26,684 |
| Loan Balance at End of Year |
$429,998 |
$424,812 |
$419,279 |
$413,375 |
$407,076 |
| 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 |
$3,696 |
$3,696 |
$3,696 |
$3,696 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$41,480 |
$60,811 |
$80,913 |
$101,822 |
$123,577 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$179 |
$1,285 |
$2,424 |
$3,597 |
$8,502 |
| Monhtly Cash Flow |
$15 |
$107 |
$202 |
$300 |
$708 |
| Cash on Cash Return on Investment |
0.007% |
0.047% |
0.088% |
0.131% |
0.310% |
| 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 |