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3 | House Price | $899,000 | From Redfin listing | Rent / monthly | $2,800 | Assume that rent includes all utilities | ||||||||||||||||||||||||||
4 | Downpayment | $200,000 | Rent appreciation rate | 0.05 | Guestimate - needs data driven estimate | |||||||||||||||||||||||||||
5 | Mortgage Years | 30 | Investment return rate | 0.1 | Guestimate | We will assume that whatever money we would have spent on the house less the rent will be invested in some kind of investment instrument | ||||||||||||||||||||||||||
6 | Interest rate | 0.0439 | ||||||||||||||||||||||||||||||
7 | Loan Amount | $699,000 | ||||||||||||||||||||||||||||||
8 | Property Tax/monthly | $239 | From Redfin listing | |||||||||||||||||||||||||||||
9 | Homeowners insurance | $135 | From Redfin listing | |||||||||||||||||||||||||||||
10 | Utilities/monthly | $400 | Guestimate - needs data driven estimate | |||||||||||||||||||||||||||||
11 | Maintenance/yearly | $3,000 | Guestimate | |||||||||||||||||||||||||||||
12 | Rental income/monthly | $700 | Guestimate | |||||||||||||||||||||||||||||
13 | Inflation rate/yearly | 0.01 | Guestimate - needs data-driven estimate | |||||||||||||||||||||||||||||
14 | Tax benefit rate | 0.305 | Extrapolated from bankrate.com website | |||||||||||||||||||||||||||||
15 | Yearly house appreciation | $17,345 | From trendline in sheet 2 | |||||||||||||||||||||||||||||
16 | Closing cost during home purchase | $15,000 | ||||||||||||||||||||||||||||||
17 | Closing cost during home sale | $15,000 | ||||||||||||||||||||||||||||||
18 | Realtor's fee rate | 0.05 | Typically 2-3% commission to buyer and seller's realtor each | |||||||||||||||||||||||||||||
19 | Initial one time renovation cost | $20,000 | ||||||||||||||||||||||||||||||
20 | ||||||||||||||||||||||||||||||||
21 | Year | Interest payments | Principal payments | Mortgage Payments | Property Tax | Insurance | Utilities | Maintenance | Tax Benefit | Rental income | Outstanding Principal | Home value | Exit Balance-after selling the house | Rent paid | Principal | RoI | Balance-Rent | |||||||||||||||
22 | 1 | -$30,686.10 | -$11,672.90 | -$42,359 | -$2,868 | -$1,620 | -$4,800 | -$3,000 | $9,359.26 | $8,400 | -$687,327 | $916,345 | -$103,687 | -$33,600 | $236,047 | $23,605 | $226,052 | |||||||||||||||
23 | 2 | -$30,173.66 | -$12,185.34 | -$42,359 | -$2,868 | -$1,636 | -$4,848 | -$3,030 | $9,202.97 | $8,484 | -$675,142 | $933,690 | -$75,190 | -$35,280 | $258,066 | $25,807 | $248,592 | |||||||||||||||
24 | 3 | -$29,638.72 | -$12,720.28 | -$42,359 | -$2,868 | -$1,653 | -$4,896 | -$3,060 | $9,039.81 | $8,569 | -$662,421 | $951,035 | -$46,166 | -$37,044 | $258,599 | $25,860 | $247,415 | |||||||||||||||
25 | 4 | -$29,080.30 | -$13,278.70 | -$42,359 | -$2,868 | -$1,669 | -$4,945 | -$3,091 | $8,869.49 | $8,655 | -$649,143 | $968,380 | -$16,590 | -$38,896 | $256,896 | $25,690 | $243,690 | |||||||||||||||
26 | 5 | -$28,497.37 | -$13,861.63 | -$42,359 | -$2,868 | -$1,686 | -$4,995 | -$3,122 | $8,691.70 | $8,741 | -$635,281 | $985,725 | $13,561 | -$40,841 | $254,878 | $25,488 | $239,525 | |||||||||||||||
27 | 6 | -$27,888.84 | -$14,470.16 | -$42,359 | -$2,868 | -$1,703 | -$5,045 | -$3,153 | $8,506.10 | $8,828 | -$620,811 | $1,003,070 | $44,313 | -$42,883 | $252,732 | $25,273 | $235,122 | |||||||||||||||
28 | 7 | -$27,253.60 | -$15,105.40 | -$42,359 | -$2,868 | -$1,720 | -$5,095 | -$3,185 | $8,312.35 | $8,917 | -$605,706 | $1,020,415 | $75,691 | -$45,027 | $250,473 | $25,047 | $230,493 | |||||||||||||||
29 | 8 | -$26,590.48 | -$15,768.52 | -$42,359 | -$2,868 | -$1,737 | -$5,146 | -$3,216 | $8,110.10 | $9,006 | -$589,937 | $1,037,760 | $107,724 | -$47,279 | $248,095 | $24,810 | $225,626 | |||||||||||||||
30 | 9 | -$25,898.24 | -$16,460.76 | -$42,359 | -$2,868 | -$1,754 | -$5,198 | -$3,249 | $7,898.96 | $9,096 | -$573,476 | $1,055,105 | $140,441 | -$49,643 | $245,595 | $24,559 | $220,511 | |||||||||||||||
31 | 10 | -$25,175.61 | -$17,183.39 | -$42,359 | -$2,868 | -$1,772 | -$5,250 | -$3,281 | $7,678.56 | $9,187 | -$556,293 | $1,072,450 | $173,871 | -$52,125 | $242,964 | $24,296 | $215,136 | |||||||||||||||
32 | 11 | -$24,421.26 | -$17,937.74 | -$42,359 | -$2,868 | -$1,789 | -$5,302 | -$3,314 | $7,448.48 | $9,279 | -$538,355 | $1,089,795 | $208,045 | -$54,731 | $240,198 | $24,020 | $209,487 | |||||||||||||||
33 | 12 | -$23,633.79 | -$18,725.21 | -$42,359 | -$2,868 | -$1,807 | -$5,355 | -$3,347 | $7,208.31 | $9,372 | -$519,630 | $1,107,140 | $242,996 | -$57,467 | $237,289 | $23,729 | $203,551 | |||||||||||||||
34 | 13 | -$22,811.76 | -$19,547.24 | -$42,359 | -$2,868 | -$1,825 | -$5,409 | -$3,380 | $6,957.59 | $9,465 | -$500,083 | $1,124,485 | $278,759 | -$60,341 | $234,230 | $23,423 | $197,312 | |||||||||||||||
35 | 14 | -$21,953.63 | -$20,405.37 | -$42,359 | -$2,868 | -$1,844 | -$5,463 | -$3,414 | $6,695.86 | $9,560 | -$479,677 | $1,141,830 | $315,369 | -$63,358 | $231,013 | $23,101 | $190,756 | |||||||||||||||
36 | 15 | -$21,057.84 | -$21,301.16 | -$42,359 | -$2,868 | -$1,862 | -$5,517 | -$3,448 | $6,422.64 | $9,656 | -$458,376 | $1,159,175 | $352,863 | -$66,526 | $227,631 | $22,763 | $183,868 | |||||||||||||||
37 | 16 | -$20,122.71 | -$22,236.29 | -$42,359 | -$2,868 | -$1,881 | -$5,573 | -$3,483 | $6,137.43 | $9,752 | -$436,140 | $1,176,520 | $391,280 | -$69,852 | $224,074 | $22,407 | $176,630 | |||||||||||||||
38 | 17 | -$19,146.54 | -$23,212.46 | -$42,359 | -$2,868 | -$1,900 | -$5,628 | -$3,518 | $5,839.70 | $9,850 | -$412,927 | $1,193,865 | $430,661 | -$73,345 | $220,336 | $22,034 | $169,025 | |||||||||||||||
39 | 18 | -$18,127.52 | -$24,231.49 | -$42,359 | -$2,868 | -$1,919 | -$5,685 | -$3,553 | $5,528.89 | $9,948 | -$388,696 | $1,211,210 | $471,047 | -$77,012 | $216,405 | $21,640 | $161,034 | |||||||||||||||
40 | 19 | -$17,063.75 | -$25,295.25 | -$42,359 | -$2,868 | -$1,938 | -$5,742 | -$3,588 | $5,204.44 | $10,048 | -$363,401 | $1,228,555 | $512,484 | -$80,862 | $212,273 | $21,227 | $152,638 | |||||||||||||||
41 | 20 | -$15,953.29 | -$26,405.71 | -$42,359 | -$2,868 | -$1,957 | -$5,799 | -$3,624 | $4,865.75 | $10,148 | -$336,995 | $1,245,900 | $555,016 | -$84,906 | $207,929 | $20,793 | $143,817 | |||||||||||||||
42 | 21 | -$14,794.08 | -$27,564.92 | -$42,359 | -$2,868 | -$1,977 | -$5,857 | -$3,661 | $4,512.19 | $10,250 | -$309,430 | $1,263,245 | $598,693 | -$89,151 | $203,363 | $20,336 | $134,549 | |||||||||||||||
43 | 22 | -$13,583.98 | -$28,775.02 | -$42,359 | -$2,868 | -$1,996 | -$5,915 | -$3,697 | $4,143.11 | $10,352 | -$280,655 | $1,280,590 | $643,565 | -$93,608 | $198,564 | $19,856 | $124,812 | |||||||||||||||
44 | 23 | -$12,320.76 | -$30,038.24 | -$42,359 | -$2,868 | -$2,016 | -$5,975 | -$3,734 | $3,757.83 | $10,456 | -$250,617 | $1,297,935 | $689,683 | -$98,289 | $193,520 | $19,352 | $114,583 | |||||||||||||||
45 | 24 | -$11,002.08 | -$31,356.92 | -$42,359 | -$2,868 | -$2,037 | -$6,034 | -$3,771 | $3,355.63 | $10,560 | -$219,260 | $1,315,280 | $737,102 | -$103,203 | $188,218 | $18,822 | $103,837 | |||||||||||||||
46 | 25 | -$9,625.51 | -$32,733.49 | -$42,359 | -$2,868 | -$2,057 | -$6,095 | -$3,809 | $2,935.78 | $10,666 | -$186,526 | $1,332,625 | $785,881 | -$108,363 | $182,646 | $18,265 | $92,548 | |||||||||||||||
47 | 26 | -$8,188.51 | -$34,170.49 | -$42,359 | -$2,868 | -$2,078 | -$6,156 | -$3,847 | $2,497.50 | $10,772 | -$152,356 | $1,349,970 | $836,078 | -$113,782 | $176,791 | $17,679 | $80,688 | |||||||||||||||
48 | 27 | -$6,688.43 | -$35,670.58 | -$42,359 | -$2,868 | -$2,098 | -$6,217 | -$3,886 | $2,039.97 | $10,880 | -$116,685 | $1,367,315 | $887,756 | -$119,471 | $170,637 | $17,064 | $68,230 | |||||||||||||||
49 | 28 | -$5,122.49 | -$37,236.51 | -$42,359 | -$2,868 | -$2,119 | -$6,279 | -$3,925 | $1,562.36 | $10,989 | -$79,449 | $1,384,660 | $940,979 | -$125,444 | $164,170 | $16,417 | $55,143 | |||||||||||||||
50 | 29 | -$3,487.80 | -$38,871.20 | -$42,359 | -$2,868 | -$2,140 | -$6,342 | -$3,964 | $1,063.78 | $11,099 | -$40,578 | $1,402,005 | $995,816 | -$131,716 | $157,374 | $15,737 | $41,395 | |||||||||||||||
51 | 30 | -$1,781.36 | -$40,577.64 | -$42,359 | -$2,868 | -$2,162 | -$6,406 | -$4,004 | $543.31 | $11,210 | $0 | $1,419,350 | $1,052,338 | -$138,302 | $150,233 | $15,023 | $26,954 | |||||||||||||||
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