Beaumont Deal Analysis
Let's look at deal analysis for Beaumont, TX 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 Beaumont, Texas Rental Property
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Typical 20% Down Payment Beaumont, Texas Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$129,648
|
|
Purchase Price
|
|
$129,648
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$25,930
|
|
Closing Costs
|
1.000%
|
$1,296
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$27,226
|
|
Mortgage
|
|
Mortgage Amount
|
|
$103,718.40
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$1,636
$1635.90
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$589
|
|
Property Taxes
|
2.582%
|
$3,348
|
|
Property Insurance
|
1.419%
|
$1,840
|
|
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%
|
$19,447
|
|
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 |
$133,537 |
$137,544 |
$141,670 |
$145,920 |
$150,298 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$3,889 |
$4,006 |
$4,126 |
$4,250 |
$4,378 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$1,636 |
$1,685 |
$1,736 |
$1,788 |
$1,841 |
| 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 |
$1,636 |
$1,685 |
$1,736 |
$1,788 |
$1,841 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$49 |
$51 |
$52 |
$54 |
$55 |
| Monthly Gross Operating Income |
$1,587 |
$1,634 |
$1,683 |
$1,734 |
$1,786 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$19,631 |
$20,220 |
$20,826 |
$21,451 |
$22,095 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$19,631 |
$20,220 |
$20,826 |
$21,451 |
$22,095 |
| Annual Vacancy Dollar |
$589 |
$607 |
$625 |
$644 |
$663 |
| Annual Gross Operating Income |
$19,042 |
$19,613 |
$20,202 |
$20,808 |
$21,432 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
2.582% |
2.582% |
2.582% |
2.582% |
2.582% |
| Property Taxes Dollar |
$3,348 |
$3,448 |
$3,551 |
$3,658 |
$3,768 |
| Insurance Percent |
1.419% |
1.419% |
1.419% |
1.419% |
1.419% |
| Insurance Dollar |
$1,840 |
$1,895 |
$1,952 |
$2,010 |
$2,071 |
| 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 |
$1,904 |
$1,961 |
$2,020 |
$2,081 |
$2,143 |
| 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 |
$7,091 |
$7,304 |
$7,523 |
$7,749 |
$7,981 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$11,950 |
$12,309 |
$12,678 |
$13,059 |
$13,450 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$8,280 |
$8,280 |
$8,280 |
$8,280 |
$8,280 |
| Principal |
$1,054 |
$1,130 |
$1,211 |
$1,299 |
$1,393 |
| Interest |
$7,227 |
$7,151 |
$7,069 |
$6,982 |
$6,888 |
| Loan Balance at End of Year |
$102,665 |
$101,535 |
$100,324 |
$99,025 |
$97,632 |
| 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 |
$30,873 |
$36,008 |
$41,346 |
$46,895 |
$52,666 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$3,670 |
$4,029 |
$4,398 |
$4,778 |
$5,170 |
| Monhtly Cash Flow |
$306 |
$336 |
$366 |
$398 |
$431 |
| Cash on Cash Return on Investment |
0.135% |
0.148% |
0.162% |
0.175% |
0.190% |
| 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 |