Public Cash Flow Sheet
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Cash Flow Worksheet
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Enter data in GREEN fields only below
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Property LocationEstimated Values*Annual Depreciation
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ExampleLand:$195,000 N/A
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Duck, NC 27954Improvments:$25,000 /27.5=$909
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$635,000 purchase priceFurnishings:$10,000 /7=$1,429
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Total:$230,000 Total Dep.=$2,338
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Estimated Gross ExpensesEstimated Gross Income
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Taxes$4,5000Weeks In-Seasonx$1,500=$0
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Insurance( Fire,Flood )$4,5000Weeks Pre-Seasonx$1,000=$0
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Utilities,elec,water,cable,internet$6,0000Weeks Post-Seasonx$1,700=$0
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Maintenance$5,0000Weeks Low-Seasonx$1,000=$0
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Other (reserve fund, etc.)$5,0000Weeks Off-Seasonx$0=$0
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Management Fee10.00%$6,000
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Pool & Hot Tub Maint.$2,2000Total Gross Income0=$60,000
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Total Gross Expenses$33,200Less Total Gross Expenses-$32,000
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Equal Net Income=$28,000
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Financial Data
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Loan to Value (%)80%
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Interest Rate3.95%
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Loan Amount$485,000
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Loan Term (Months)360=30Year Loan
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Monthly Payment ( P&I )($2,302)PrincipalInterest
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Total Annual Payments ($27,618)=$8,615 +$19,003
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Plus Net Income$28,000
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Equals Annual Cash Flow$382 /12=Monthly Cash Flow Before Taxes:$32
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Summation
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Annual Cash Flow$382
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Plus Annual Principal Payment$8,615
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Equals (Loss) Gain Before Depreciation$8,997 This line shows yearly loss or gain after adding back principal payments
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Less Total Annual Depreciation$2,338
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Equals Total Write-Off for Year$6,660 x Tax Bracket = Estimated Tax Savings
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State + Federal Tax RateAnnual Cash +Estimated Tax = Annual Cash Flow / 12 = Net Monthy (Loss) Gain
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FlowSavings Net After Taxes
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27.5%$382 -$1,831($1,449)($121)
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30.5%$382 -$2,031($1,649)($137)
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35.5%$382 -$2,364($1,982)($165)
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39.1%$382 -$2,604($2,222)($185)
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Notes:(1) This is a projection of future possibilities based on both known and estimated data.
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Consult with your tax advisor to determine the effect on your personal financial situation.
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(2) Tax Bracket equals the sum of both federal and state taxes.
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(3) All dollar amounts are rounded.
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* Real estate agent opinion
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copyright 2004 John VanderMyde., all rights reserved
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