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10/1/24
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Property:
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Debt Stack
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Quick Opportunity Analyzer
1st Position Debt
8
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Original Loan Amount $ or:
$1,000,000
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Original Loan to Value %
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Loan Amount Calculated
$1,000,000
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Total Purchase Amount :
$1,750,000
Amortized or Interest-Only
Fully Amortized
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Interest Rate %
8.00%
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Gross Annual Revenue (actual-vacancy adjusted):
$200,000
Start Date: MM/DD/YYYY
2/1/2024
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Loan Term (years)
25
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TIMMS Utility Multiplier:
65%
Current Loan Balance:
 Trimester1$991,389
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Payment, (Monthly)
$7,718
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NOI (Net Operating Income):
$130,000
Debt Service, Annual
$92,618
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Cap Rate (calculated actual):
7.4%
2nd Position Debt
9
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Original Loan Amount $ or:
$0
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Market Cap Rate:
7.0%
Original Loan to Value %
0%
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Loan Amount Calculated
$0
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Value at market cap rate:
$1,857,143
Amortized or Interest-Only
Interest Pmt Only
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Interest Rate %
0.00%
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Combined LTV (total debt/market value) :
54%
Start Date: MM/DD/YYYY
12/30/2023
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Loan Term (years)
30
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Annual Debt Service total:
$92,618
Current Loan Balance:
 Trimester1$0
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Payment, (Monthly)
$0
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Debt Service, Annual
$0
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Discount % from Market Value:
6.1%
3rd Position Debt
9
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Original Loan Amount $ or:
$0
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NADS--Net After Debt Service : (What we keep)
$37,382
Original Loan to Value %
0%
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Loan Amount Calculated
$0
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BUDGET: Most we can offer Seller With Debt Takeover:
Amortized or Interest-Only
Fully Amortized
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Max COC = NADS/.3 =
$124,607
Interest Rate %
0.00%
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Start Date: MM/DD/YYYY
12/31/2023
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Amount the Seller wants:
$300,000
Loan Term (years)
30
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COC % = NADS/ Amount Seller Wants (Min. 30%)
12%
Current Loan Balance:
 Trimester1
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Payment, (Monthly)
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Debt Service, Annual
$0
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