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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101 Juniper CtLand:$200,000 N/A
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Colington NCImprovments:$190,000 /27.5=$6,909
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Furnishings:$10,000 /7=$1,429
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Total:$400,000 Total Dep.=$8,338
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Estimated Gross ExpensesEstimated Gross Income
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Taxes$2,00010Weeks In-Seasonx$2,000=$20,000
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Insurance( Fire,Flood )$2,0002Weeks Pre-Seasonx$1,400=$2,800
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Utilities,elec,water,cable,internet$4,8002Weeks Post-Seasonx$1,400=$2,800
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Maintenance$2,0005Weeks Low-Seasonx$1,200=$6,000
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Other (reserve fund, etc.)$2,0005Weeks Off-Seasonx$1,000=$5,000
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Management Fee18.00%$6,588
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Pool & Hot Tub Maint.$1,5000Total Gross Income=$36,600
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Total Gross Expenses$20,888Less Total Gross Expenses-$20,888
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Equal Net Income=$15,712
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Financial Data
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Loan to Value (%)80%
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Interest Rate5.00%
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Loan Amount$320,000
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Loan Term (Months)360=30Year Loan
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Monthly Payment ( P&I )($1,718)PrincipalInterest
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Total Annual Payments ($20,614)=$4,721 +$15,893
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Plus Net Income$15,712
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Equals Annual Cash Flow($4,902)/12=Monthly Cash Flow Before Taxes:($408)
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Summation
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Annual Cash Flow($4,902)
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Plus Annual Principal Payment$4,721
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Equals (Loss) Gain Before Depreciation($181)This line shows yearly loss or gain after adding back principal payments
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Less Total Annual Depreciation$8,338
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Equals Total Write-Off for Year($8,518)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%($4,902)$2,343($2,559)($213)
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30.5%($4,902)$2,598($2,304)($192)
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35.5%($4,902)$3,024($1,878)($156)
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39.1%($4,902)$3,331($1,571)($131)
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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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