Public Cash Flow Sheet
Comments
 Share
The version of the browser you are using is no longer supported. Please upgrade to a supported browser.Dismiss

 
$
%
123
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Still loading...
ABCDEFGHIJKL
1
2
Cash Flow Worksheet
3
Enter data in GREEN fields only below
4
Property LocationEstimated Values*Annual Depreciation
5
6
ExampleLand:$145,000 N/A
7
Manteo, NC 27954Improvments:$137,000 /27.5=$4,982
8
Furnishings:$10,000 /7=$1,429
9
Total:$292,000 Total Dep.=$6,410
10
11
Estimated Gross ExpensesEstimated Gross Income
12
13
Taxes$2,2606Weeks In-Seasonx$1,500=$9,000
14
Insurance( Fire,Flood )$02Weeks Pre-Seasonx$1,000=$2,000
15
Utilities,elec,water,cable,internet$3,6002Weeks Post-Seasonx$1,700=$3,400
16
Maintenance$1,2502Weeks Low-Seasonx$1,000=$2,000
17
Other (reserve fund, etc.)$6,4600Weeks Off-Seasonx$0=$0
18
Management Fee20.00%$3,280
19
Pool & Hot Tub Maint.$012Total Gross Income16,400=$16,400
20
Total Gross Expenses$16,850Less Total Gross Expenses-$16,850
21
Equal Net Income=-$450
22
23
Financial Data
24
25
Loan to Value (%)70%
26
Interest Rate3.75%
27
Loan Amount$195,930
28
Loan Term (Months)360=30Year Loan
29
Monthly Payment ( P&I )($907)PrincipalInterest
30
Total Annual Payments ($10,889)=$3,603 +$7,286
31
Plus Net Income($450)
32
Equals Annual Cash Flow($11,339)/12=Monthly Cash Flow Before Taxes:($945)
33
34
Summation
35
36
Annual Cash Flow($11,339)
37
Plus Annual Principal Payment$3,603
38
Equals (Loss) Gain Before Depreciation($7,736)This line shows yearly loss or gain after adding back principal payments
39
Less Total Annual Depreciation$6,410
40
Equals Total Write-Off for Year($14,146)x Tax Bracket = Estimated Tax Savings
41
42
State + Federal Tax RateAnnual Cash +Estimated Tax = Annual Cash Flow / 12 = Net Monthy (Loss) Gain
43
FlowSavings Net After Taxes
44
45
27.5%($11,339)$3,890($7,448)($621)
46
30.5%($11,339)$4,315($7,024)($585)
47
35.5%($11,339)$5,022($6,317)($526)
48
39.1%($11,339)$5,531($5,807)($484)
49
50
Notes:(1) This is a projection of future possibilities based on both known and estimated data.
51
Consult with your tax advisor to determine the effect on your personal financial situation.
52
(2) Tax Bracket equals the sum of both federal and state taxes.
53
(3) All dollar amounts are rounded.
54
* Real estate agent opinion
55
copyright 2004 John VanderMyde., all rights reserved
Loading...
 
 
 
Sheet1
Sheet2
Sheet3