Ventura Deal Analysis
Let's look at deal analysis for Ventura, 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 Ventura, California Rental Property
|
Typical 20% Down Payment Ventura, California Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$801,692
|
|
Purchase Price
|
|
$801,692
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$160,338
|
|
Closing Costs
|
1.000%
|
$8,017
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$122,620
|
|
Total Invested
|
|
$290,976
|
|
Mortgage
|
|
Mortgage Amount
|
|
$641,353.60
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$3,985
$3984.75
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$1,435
|
|
Property Taxes
|
0.706%
|
$5,660
|
|
Property Insurance
|
0.173%
|
$1,387
|
|
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%
|
$120,254
|
|
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 |
$825,743 |
$850,515 |
$876,030 |
$902,311 |
$929,381 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$24,051 |
$24,772 |
$25,515 |
$26,281 |
$27,069 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$3,985 |
$4,104 |
$4,227 |
$4,354 |
$4,485 |
| 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 |
$3,985 |
$4,104 |
$4,227 |
$4,354 |
$4,485 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$120 |
$123 |
$127 |
$131 |
$135 |
| Monthly Gross Operating Income |
$3,865 |
$3,981 |
$4,101 |
$4,224 |
$4,350 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$47,817 |
$49,252 |
$50,729 |
$52,251 |
$53,818 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$47,817 |
$49,252 |
$50,729 |
$52,251 |
$53,818 |
| Annual Vacancy Dollar |
$1,435 |
$1,478 |
$1,522 |
$1,568 |
$1,615 |
| Annual Gross Operating Income |
$46,382 |
$47,774 |
$49,207 |
$50,683 |
$52,204 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.706% |
0.706% |
0.706% |
0.706% |
0.706% |
| Property Taxes Dollar |
$5,660 |
$5,830 |
$6,005 |
$6,185 |
$6,370 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$1,387 |
$1,429 |
$1,471 |
$1,516 |
$1,561 |
| 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 |
$4,638 |
$4,777 |
$4,921 |
$5,068 |
$5,220 |
| 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 |
$11,685 |
$12,036 |
$12,397 |
$12,769 |
$13,152 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$34,697 |
$35,738 |
$36,810 |
$37,915 |
$39,052 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$51,203 |
$51,203 |
$51,203 |
$51,203 |
$51,203 |
| Principal |
$6,515 |
$6,986 |
$7,491 |
$8,032 |
$8,613 |
| Interest |
$44,688 |
$44,217 |
$43,712 |
$43,171 |
$42,590 |
| Loan Balance at End of Year |
$634,839 |
$627,853 |
$620,362 |
$612,330 |
$603,716 |
| 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 |
$190,904 |
$222,662 |
$255,669 |
$289,982 |
$325,664 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$16,506 |
-$15,465 |
-$14,393 |
-$13,289 |
-$12,151 |
| Monhtly Cash Flow |
-$1,375 |
-$1,289 |
-$1,199 |
-$1,107 |
-$1,013 |
| Cash on Cash Return on Investment |
-0.057% |
-0.053% |
-0.049% |
-0.046% |
-0.042% |
| 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 |