Port St Lucie Deal Analysis
Let's look at deal analysis for Port St Lucie, FL 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 Port St Lucie, Florida Rental Property
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Typical 20% Down Payment Port St Lucie, Florida Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$335,563
|
|
Purchase Price
|
|
$335,563
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$67,113
|
|
Closing Costs
|
1.000%
|
$3,356
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$17,990
|
|
Total Invested
|
|
$88,458
|
|
Mortgage
|
|
Mortgage Amount
|
|
$268,450.40
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$2,588
$2588.25
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$932
|
|
Property Taxes
|
1.275%
|
$4,278
|
|
Property Insurance
|
1.674%
|
$5,617
|
|
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%
|
$50,334
|
|
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 |
$345,630 |
$355,999 |
$366,679 |
$377,679 |
$389,009 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$10,067 |
$10,369 |
$10,680 |
$11,000 |
$11,330 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$2,588 |
$2,666 |
$2,746 |
$2,828 |
$2,913 |
| 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 |
$2,588 |
$2,666 |
$2,746 |
$2,828 |
$2,913 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$78 |
$80 |
$82 |
$85 |
$87 |
| Monthly Gross Operating Income |
$2,511 |
$2,586 |
$2,663 |
$2,743 |
$2,826 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$31,059 |
$31,991 |
$32,950 |
$33,939 |
$34,957 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$31,059 |
$31,991 |
$32,950 |
$33,939 |
$34,957 |
| Annual Vacancy Dollar |
$932 |
$960 |
$989 |
$1,018 |
$1,049 |
| Annual Gross Operating Income |
$30,127 |
$31,031 |
$31,962 |
$32,921 |
$33,908 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
1.275% |
1.275% |
1.275% |
1.275% |
1.275% |
| Property Taxes Dollar |
$4,278 |
$4,407 |
$4,539 |
$4,675 |
$4,815 |
| Insurance Percent |
1.674% |
1.674% |
1.674% |
1.674% |
1.674% |
| Insurance Dollar |
$5,617 |
$5,786 |
$5,959 |
$6,138 |
$6,322 |
| 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 |
$3,013 |
$3,103 |
$3,196 |
$3,292 |
$3,391 |
| 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 |
$12,908 |
$13,296 |
$13,695 |
$14,105 |
$14,529 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$17,219 |
$17,735 |
$18,267 |
$18,815 |
$19,380 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$21,432 |
$21,432 |
$21,432 |
$21,432 |
$21,432 |
| Principal |
$2,727 |
$2,924 |
$3,135 |
$3,362 |
$3,605 |
| Interest |
$18,705 |
$18,508 |
$18,297 |
$18,070 |
$17,827 |
| Loan Balance at End of Year |
$265,723 |
$262,799 |
$259,664 |
$256,302 |
$252,696 |
| 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 |
$79,906 |
$93,199 |
$107,015 |
$121,377 |
$136,313 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
-$4,213 |
-$3,697 |
-$3,165 |
-$2,617 |
-$2,052 |
| Monhtly Cash Flow |
-$351 |
-$308 |
-$264 |
-$218 |
-$171 |
| Cash on Cash Return on Investment |
-0.048% |
-0.042% |
-0.036% |
-0.030% |
-0.023% |
| 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 |