Santa Rosa Deal Analysis
Let's look at deal analysis for Santa Rosa, 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 Santa Rosa, California Nomad™ Property with 10% Higher Rents
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Typical Santa Rosa, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
|
Percents
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Dollars/#
|
|
ARV
|
|
$661,287
|
|
Purchase Price
|
|
$661,287
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$33,064
|
|
Closing Costs
|
1.000%
|
$6,613
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$84,335
|
|
Total Invested
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|
$124,013
|
|
Mortgage
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|
Mortgage Amount
|
|
$628,222.65
|
|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$444.99
|
|
Drop PMI LTV
|
80.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$4,043
$4042.50
|
|
Other Income
|
|
$0
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|
Annual Expenses
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|
Vacancy Rate
|
3.000%
|
$1,455
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Property Taxes
|
0.796%
|
$5,264
|
|
Property Insurance
|
0.173%
|
$1,144
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
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|
Management
|
0.000%
|
|
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Depreciation Details
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|
Land Value
|
15.000%
|
$99,193
|
|
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 |
$681,126 |
$701,559 |
$722,606 |
$744,284 |
$766,613 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$19,839 |
$20,434 |
$21,047 |
$21,678 |
$22,329 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$4,043 |
$4,164 |
$4,289 |
$4,417 |
$4,550 |
| 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 |
$4,043 |
$4,164 |
$4,289 |
$4,417 |
$4,550 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$121 |
$125 |
$129 |
$133 |
$136 |
| Monthly Gross Operating Income |
$3,921 |
$4,039 |
$4,160 |
$4,285 |
$4,413 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$48,510 |
$49,965 |
$51,464 |
$53,008 |
$54,598 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$48,510 |
$49,965 |
$51,464 |
$53,008 |
$54,598 |
| Annual Vacancy Dollar |
$1,455 |
$1,499 |
$1,544 |
$1,590 |
$1,638 |
| Annual Gross Operating Income |
$47,055 |
$48,466 |
$49,920 |
$51,418 |
$52,960 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.796% |
0.796% |
0.796% |
0.796% |
0.796% |
| Property Taxes Dollar |
$5,264 |
$5,422 |
$5,584 |
$5,752 |
$5,925 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,144 |
$1,178 |
$1,214 |
$1,250 |
$1,288 |
| 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 |
$4,705 |
$4,847 |
$4,992 |
$5,142 |
$5,296 |
| 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 |
$11,113 |
$11,447 |
$11,790 |
$12,144 |
$12,508 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$35,941 |
$37,020 |
$38,130 |
$39,274 |
$40,452 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$47,649 |
$47,649 |
$47,649 |
$47,649 |
$47,649 |
| Principal |
$7,022 |
$7,492 |
$7,994 |
$8,529 |
$9,100 |
| Interest |
$40,628 |
$40,157 |
$39,656 |
$39,120 |
$38,549 |
| Loan Balance at End of Year |
$621,201 |
$613,709 |
$605,715 |
$597,186 |
$588,086 |
| 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 |
$5,340 |
$5,340 |
$5,340 |
$5,340 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$59,925 |
$87,850 |
$116,891 |
$147,098 |
$178,527 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$17,048 |
-$15,970 |
-$14,859 |
-$13,715 |
-$7,197 |
| Monhtly Cash Flow |
-$1,421 |
-$1,331 |
-$1,238 |
-$1,143 |
-$600 |
| Cash on Cash Return on Investment |
-0.137% |
-0.129% |
-0.120% |
-0.111% |
-0.058% |
| 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 |