Santa Rosa Deal Analysis
Let's look at deal analysis for Santa Rosa, 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 Santa Rosa, California Rental Property
|
Typical 20% Down Payment Santa Rosa, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$661,287
|
|
Purchase Price
|
|
$661,287
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$132,257
|
|
Closing Costs
|
1.000%
|
$6,613
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$53,621
|
|
Total Invested
|
|
$192,491
|
|
Mortgage
|
|
Mortgage Amount
|
|
$529,029.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,675
$3675.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,323
|
|
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
|
|
Management
|
0.000%
|
|
|
Depreciation Details
|
|
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 |
$3,675 |
$3,785 |
$3,899 |
$4,016 |
$4,136 |
| 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 |
$3,675 |
$3,785 |
$3,899 |
$4,016 |
$4,136 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$110 |
$114 |
$117 |
$120 |
$124 |
| Monthly Gross Operating Income |
$3,565 |
$3,672 |
$3,782 |
$3,895 |
$4,012 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$44,100 |
$45,423 |
$46,786 |
$48,189 |
$49,635 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$44,100 |
$45,423 |
$46,786 |
$48,189 |
$49,635 |
| Annual Vacancy Dollar |
$1,323 |
$1,363 |
$1,404 |
$1,446 |
$1,489 |
| Annual Gross Operating Income |
$42,777 |
$44,060 |
$45,382 |
$46,744 |
$48,146 |
| 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 |
$4,278 |
$4,406 |
$4,538 |
$4,674 |
$4,815 |
| 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 |
$10,686 |
$11,006 |
$11,336 |
$11,676 |
$12,027 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$32,091 |
$33,054 |
$34,046 |
$35,067 |
$36,119 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$42,236 |
$42,236 |
$42,236 |
$42,236 |
$42,236 |
| Principal |
$5,374 |
$5,762 |
$6,179 |
$6,626 |
$7,105 |
| Interest |
$36,862 |
$36,473 |
$36,057 |
$35,610 |
$35,131 |
| Loan Balance at End of Year |
$523,656 |
$517,893 |
$511,714 |
$505,088 |
$497,984 |
| 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 |
$157,470 |
$183,666 |
$210,892 |
$239,196 |
$268,629 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$10,144 |
-$9,182 |
-$8,190 |
-$7,169 |
-$6,117 |
| Monhtly Cash Flow |
-$845 |
-$765 |
-$683 |
-$597 |
-$510 |
| Cash on Cash Return on Investment |
-0.053% |
-0.048% |
-0.043% |
-0.037% |
-0.032% |
| 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 |