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Calculation Assumptions

Rental Income (mo.)

$

Property Taxes

$

Insurance (est.)

$

Homeowners Assoc.

$

Management Fee

%

Maintenance Reserve

%

Appreciation Rate

%

Vacancy Allowance

%

Rental Income Increase

%

Operating Expense Increase

%

Closing Costs (Buy)

%

Closing Costs (Sell)

%

Basic Purchase Information

Property Value (est.)

$

Purchase Price

$

Down Payment:

$30,000

Equity at Purchase

$30,000

Mortgage Calculation

Interest Rate

%

Down Payment

%

Loan Term (Fixed)

Loan Amount

$120,000

Annual Payment

Monthly Payment

Cash to Purchase

Down Payment

$30,000

Closing Costs (4.0%)

$4,800

Total Cash Required

$34,800

Numbers in blue boxes can be modified. Calculations under all tabs update in real-time.

Cash Flow and Equity Accumulation

INCOME ANALYSIS	YEAR 1	YEAR 2	YEAR 3	YEAR 4	YEAR 5	YEAR 10	YEAR 20	YEAR 30
Gross Scheduled Income
Less Vacancy Allowance
Gross Operating Income

Property Taxes
Insurance
Utilities
Homeowners Association
Maintenance Reserve
Property Management
Total Operating Expenses

Net Operating Income
Capitalization (Cap) Rate (%)

Less Mortgage Expense
CASH FLOW
Cash on Cash Return	4.8%	6.1%	7.5%	8.9%	10.4%	18.7%	41.4%	75.3%

FINANCIAL PERFORMANCE	YEAR 1	YEAR 2	YEAR 3	YEAR 4	YEAR 5	YEAR 10	YEAR 20	YEAR 30

EQUITY ANALYSIS	YEAR 1	YEAR 2	YEAR 3	YEAR 4	YEAR 5	YEAR 10	YEAR 20	YEAR 30
Property Value	$150,000	$156,000	$162,240	$168,730	$175,479	$213,497	$316,027	$467,798
Plus Appreciation	$6,000	$6,240	$6,490	$6,750	$7,020	$8,540	$12,642	$18,712
Less Mortgage Balance	$118,659	$117,228	$115,701	$114,071	$112,333	$101,731	$66,798	$0
TOTAL EQUITY	$37,341	$45,012	$53,029	$61,409	$70,166	$120,306	$261,871	$486,510
Total Equity (%)	24%	28%	31%	35%	38%	54%	80%	100%

Cumulative Net Cash Flow	$1,686	$3,823	$6,432	$9,531	$13,143	$19,651	$34,042	$60,237
Cumulative Appreciation	$6,000	$12,240	$18,730	$25,480	$32,500	$41,040	$53,682	$72,394
Total Net Profit if Sold	-	$1,309	$9,548	$18,158	$27,158	$78,674	$224,020	$454,393
Annualized Return (IRR)	-	10.9%	15.7%	17.6%	18.4%	18.6%	17.5%	16.9%

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