St Louis Deal Analysis
Let's look at deal analysis for St Louis, MO 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 St Louis, Missouri Rental Property
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Typical 20% Down Payment St Louis, Missouri Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$151,013
|
|
Purchase Price
|
|
$151,013
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$30,203
|
|
Closing Costs
|
1.000%
|
$1,510
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$31,713
|
|
Mortgage
|
|
Mortgage Amount
|
|
$120,810.40
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$1,470
$1470.00
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$529
|
|
Property Taxes
|
1.139%
|
$1,720
|
|
Property Insurance
|
1.550%
|
$2,341
|
|
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%
|
$22,652
|
|
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 |
$155,543 |
$160,210 |
$165,016 |
$169,966 |
$175,065 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$4,530 |
$4,666 |
$4,806 |
$4,950 |
$5,099 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$1,470 |
$1,514 |
$1,560 |
$1,606 |
$1,654 |
| 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 |
$1,470 |
$1,514 |
$1,560 |
$1,606 |
$1,654 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$44 |
$45 |
$47 |
$48 |
$50 |
| Monthly Gross Operating Income |
$1,426 |
$1,469 |
$1,513 |
$1,558 |
$1,605 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$17,640 |
$18,169 |
$18,714 |
$19,276 |
$19,854 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$17,640 |
$18,169 |
$18,714 |
$19,276 |
$19,854 |
| Annual Vacancy Dollar |
$529 |
$545 |
$561 |
$578 |
$596 |
| Annual Gross Operating Income |
$17,111 |
$17,624 |
$18,153 |
$18,697 |
$19,258 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
1.139% |
1.139% |
1.139% |
1.139% |
1.139% |
| Property Taxes Dollar |
$1,720 |
$1,772 |
$1,825 |
$1,880 |
$1,936 |
| Insurance Percent |
1.550% |
1.550% |
1.550% |
1.550% |
1.550% |
| Insurance Dollar |
$2,341 |
$2,411 |
$2,483 |
$2,558 |
$2,634 |
| 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 |
$1,711 |
$1,762 |
$1,815 |
$1,870 |
$1,926 |
| 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 |
$5,772 |
$5,945 |
$6,123 |
$6,307 |
$6,496 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$11,339 |
$11,679 |
$12,030 |
$12,390 |
$12,762 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$9,645 |
$9,645 |
$9,645 |
$9,645 |
$9,645 |
| Principal |
$1,227 |
$1,316 |
$1,411 |
$1,513 |
$1,622 |
| Interest |
$8,418 |
$8,329 |
$8,234 |
$8,132 |
$8,023 |
| Loan Balance at End of Year |
$119,583 |
$118,267 |
$116,856 |
$115,343 |
$113,721 |
| 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 |
$35,960 |
$41,942 |
$48,160 |
$54,623 |
$61,344 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$1,694 |
$2,034 |
$2,385 |
$2,745 |
$3,117 |
| Monhtly Cash Flow |
$141 |
$170 |
$199 |
$229 |
$260 |
| Cash on Cash Return on Investment |
0.053% |
0.064% |
0.075% |
0.087% |
0.098% |
| 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 |