Hampton Deal Analysis
Let's look at deal analysis for Hampton, VA 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 Hampton, Virginia Rental Property
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Typical 20% Down Payment Hampton, Virginia Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$215,933
|
|
Purchase Price
|
|
$215,933
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$43,187
|
|
Closing Costs
|
1.000%
|
$2,159
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$45,346
|
|
Mortgage
|
|
Mortgage Amount
|
|
$172,746.40
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$1,939
$1939.35
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$698
|
|
Property Taxes
|
1.107%
|
$2,390
|
|
Property Insurance
|
0.367%
|
$792
|
|
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%
|
$32,390
|
|
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 |
$222,411 |
$229,083 |
$235,956 |
$243,034 |
$250,326 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$6,478 |
$6,672 |
$6,872 |
$7,079 |
$7,291 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$1,939 |
$1,998 |
$2,057 |
$2,119 |
$2,183 |
| 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 |
$1,939 |
$1,998 |
$2,057 |
$2,119 |
$2,183 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$58 |
$60 |
$62 |
$64 |
$65 |
| Monthly Gross Operating Income |
$1,881 |
$1,938 |
$1,996 |
$2,056 |
$2,117 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$23,272 |
$23,970 |
$24,689 |
$25,430 |
$26,193 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$23,272 |
$23,970 |
$24,689 |
$25,430 |
$26,193 |
| Annual Vacancy Dollar |
$698 |
$719 |
$741 |
$763 |
$786 |
| Annual Gross Operating Income |
$22,574 |
$23,251 |
$23,949 |
$24,667 |
$25,407 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
1.107% |
1.107% |
1.107% |
1.107% |
1.107% |
| Property Taxes Dollar |
$2,390 |
$2,462 |
$2,536 |
$2,612 |
$2,690 |
| Insurance Percent |
0.367% |
0.367% |
0.367% |
0.367% |
0.367% |
| Insurance Dollar |
$792 |
$816 |
$841 |
$866 |
$892 |
| 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 |
$2,257 |
$2,325 |
$2,395 |
$2,467 |
$2,541 |
| 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 |
$5,440 |
$5,603 |
$5,772 |
$5,945 |
$6,123 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$17,134 |
$17,648 |
$18,177 |
$18,723 |
$19,284 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$13,791 |
$13,791 |
$13,791 |
$13,791 |
$13,791 |
| Principal |
$1,755 |
$1,882 |
$2,018 |
$2,164 |
$2,320 |
| Interest |
$12,037 |
$11,910 |
$11,774 |
$11,628 |
$11,472 |
| Loan Balance at End of Year |
$170,992 |
$169,110 |
$167,092 |
$164,929 |
$162,609 |
| 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 |
$51,419 |
$59,973 |
$68,864 |
$78,106 |
$87,717 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$3,342 |
$3,856 |
$4,386 |
$4,931 |
$5,493 |
| Monhtly Cash Flow |
$279 |
$321 |
$365 |
$411 |
$458 |
| Cash on Cash Return on Investment |
0.074% |
0.085% |
0.097% |
0.109% |
0.121% |
| 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 |