Visalia Deal Analysis
Let's look at deal analysis for Visalia, 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 Visalia, California Nomad™ Property with 10% Higher Rents
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Typical Visalia, California Nomad™ Property with 10% Higher Rents
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Purchase Inputs
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|
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Percents
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Dollars/#
|
|
ARV
|
|
$328,660
|
|
Purchase Price
|
|
$328,660
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
5.000%
|
$16,433
|
|
Closing Costs
|
1.000%
|
$3,287
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$8,357
|
|
Total Invested
|
|
$28,077
|
|
Mortgage
|
|
Mortgage Amount
|
|
$312,227
|
|
Mortgage Interest Rate
|
6.500%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0.850%
|
$221.16
|
|
Drop PMI LTV
|
80.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,541
$2541.00
|
|
Other Income
|
|
$0
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|
Annual Expenses
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|
Vacancy Rate
|
3.000%
|
$915
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Property Taxes
|
0.909%
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$2,988
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|
Property Insurance
|
0.173%
|
$569
|
|
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%
|
$49,299
|
|
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 |
$338,520 |
$348,675 |
$359,136 |
$369,910 |
$381,007 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$9,860 |
$10,156 |
$10,460 |
$10,774 |
$11,097 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,541 |
$2,617 |
$2,696 |
$2,777 |
$2,860 |
| 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 |
$2,541 |
$2,617 |
$2,696 |
$2,777 |
$2,860 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$76 |
$79 |
$81 |
$83 |
$86 |
| Monthly Gross Operating Income |
$2,465 |
$2,539 |
$2,615 |
$2,693 |
$2,774 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$30,492 |
$31,407 |
$32,349 |
$33,319 |
$34,319 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$30,492 |
$31,407 |
$32,349 |
$33,319 |
$34,319 |
| Annual Vacancy Dollar |
$915 |
$942 |
$970 |
$1,000 |
$1,030 |
| Annual Gross Operating Income |
$29,577 |
$30,465 |
$31,378 |
$32,320 |
$33,289 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
0.909% |
0.909% |
0.909% |
0.909% |
0.909% |
| Property Taxes Dollar |
$2,988 |
$3,077 |
$3,169 |
$3,265 |
$3,362 |
| Insurance Percent |
0.173% |
0.173% |
0.173% |
0.173% |
0.173% |
| Insurance Dollar |
$569 |
$586 |
$603 |
$621 |
$640 |
| 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 |
$2,958 |
$3,046 |
$3,138 |
$3,232 |
$3,329 |
| 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 |
$6,514 |
$6,709 |
$6,911 |
$7,118 |
$7,331 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$23,063 |
$23,755 |
$24,468 |
$25,202 |
$25,958 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$23,682 |
$23,682 |
$23,682 |
$23,682 |
$23,682 |
| Principal |
$3,490 |
$3,724 |
$3,973 |
$4,239 |
$4,523 |
| Interest |
$20,192 |
$19,958 |
$19,709 |
$19,443 |
$19,159 |
| Loan Balance at End of Year |
$308,737 |
$305,014 |
$301,041 |
$296,801 |
$292,279 |
| 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 |
$2,654 |
$2,654 |
$2,654 |
$2,654 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$29,783 |
$43,662 |
$58,095 |
$73,108 |
$88,728 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$3,272 |
-$2,580 |
-$1,868 |
-$1,134 |
$2,276 |
| Monhtly Cash Flow |
-$273 |
-$215 |
-$156 |
-$94 |
$190 |
| Cash on Cash Return on Investment |
-0.117% |
-0.092% |
-0.067% |
-0.040% |
0.081% |
| 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 |