San Diego Deal Analysis
Let's look at deal analysis for San Diego, 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 San Diego, California Rental Property
|
Typical 20% Down Payment San Diego, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$971,686
|
|
Purchase Price
|
|
$971,686
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$194,337
|
|
Closing Costs
|
1.000%
|
$9,717
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$204,054
|
|
Mortgage
|
|
Mortgage Amount
|
|
$777,348.80
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$7,350
$7350.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$2,646
|
|
Property Taxes
|
0.757%
|
$7,356
|
|
Property Insurance
|
0.173%
|
$1,681
|
|
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%
|
$145,753
|
|
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 |
$1,000,837 |
$1,030,862 |
$1,061,788 |
$1,093,641 |
$1,126,450 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$29,151 |
$30,025 |
$30,926 |
$31,854 |
$32,809 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$7,350 |
$7,571 |
$7,798 |
$8,032 |
$8,272 |
| 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 |
$7,350 |
$7,571 |
$7,798 |
$8,032 |
$8,272 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$221 |
$227 |
$234 |
$241 |
$248 |
| Monthly Gross Operating Income |
$7,130 |
$7,343 |
$7,564 |
$7,791 |
$8,024 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$88,200 |
$90,846 |
$93,571 |
$96,379 |
$99,270 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$88,200 |
$90,846 |
$93,571 |
$96,379 |
$99,270 |
| Annual Vacancy Dollar |
$2,646 |
$2,725 |
$2,807 |
$2,891 |
$2,978 |
| Annual Gross Operating Income |
$85,554 |
$88,121 |
$90,764 |
$93,487 |
$96,292 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.757% |
0.757% |
0.757% |
0.757% |
0.757% |
| Property Taxes Dollar |
$7,356 |
$7,576 |
$7,804 |
$8,038 |
$8,279 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,681 |
$1,731 |
$1,783 |
$1,837 |
$1,892 |
| 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 |
$8,555 |
$8,812 |
$9,076 |
$9,349 |
$9,629 |
| 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 |
$17,592 |
$18,120 |
$18,663 |
$19,223 |
$19,800 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$67,962 |
$70,001 |
$72,101 |
$74,264 |
$76,492 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$62,061 |
$62,061 |
$62,061 |
$62,061 |
$62,061 |
| Principal |
$7,896 |
$8,467 |
$9,079 |
$9,736 |
$10,439 |
| Interest |
$54,164 |
$53,593 |
$52,981 |
$52,325 |
$51,621 |
| Loan Balance at End of Year |
$769,452 |
$760,985 |
$751,906 |
$742,170 |
$731,731 |
| 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 |
$231,384 |
$269,876 |
$309,882 |
$351,471 |
$394,720 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$5,901 |
$7,940 |
$10,040 |
$12,203 |
$14,431 |
| Monhtly Cash Flow |
$492 |
$662 |
$837 |
$1,017 |
$1,203 |
| Cash on Cash Return on Investment |
0.029% |
0.039% |
0.049% |
0.060% |
0.071% |
| 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 |