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AssumptionsYearMonthBegin BalancePrincipal PMTInterest PMTTotal PaymentEnd BalanceHome ValueResidual ValueTaxesInsuranceHOAExpensesTotal CostsNet Own BalanceBreakevenNet Rental CostMonthly RentRental BalanceMonthly SavingsInvested
3
Sales Price$500,00011$400,000-$344-$2,250-$2,594$399,656$501,232$461,134-$940-$147-$151-$753-$1,991-$40,858No$97,555-$3,760-$3,760$825$101,315
4
% Down20%12$399,656-$346-$2,248-$2,594$399,309$502,467$462,270-$942-$149-$153-$756-$3,990-$41,376No$95,104-$3,771-$7,531$823$102,634
5
Amt Financed$400,00013$399,309-$348-$2,246-$2,594$398,961$503,706$463,409-$944-$150-$154-$759-$5,997-$41,898No$92,646-$3,781-$11,312$821$103,958
6
Interest Rate6.75%14$398,961-$350-$2,244-$2,594$398,611$504,947$464,551-$947-$151-$156-$761-$8,012-$42,422No$90,182-$3,791-$15,103$818$105,285
7
Note Term30 Years15$398,611-$352-$2,242-$2,594$398,259$506,191$465,696-$949-$153-$157-$764-$10,035-$42,950No$87,712-$3,801-$18,904$816$106,616
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16$398,259-$354-$2,240-$2,594$397,904$507,439$466,843-$951-$154-$158-$767-$12,066-$43,481No$85,235-$3,812-$22,716$813$107,951
9
Tax Assesment (% of Value)
90%17$397,904-$356-$2,238-$2,594$397,548$508,689$467,994-$954-$155-$160-$770-$14,105-$44,016No$82,753-$3,822-$26,538$811$109,291
10
Millage Rate2.50%18$397,548-$358-$2,236-$2,594$397,190$509,943$469,147-$956-$157-$161-$773-$16,152-$44,553No$80,264-$3,833-$30,371$809$110,635
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19$397,190-$360-$2,234-$2,594$396,830$511,199$470,303-$958-$158-$162-$776-$18,207-$45,094No$77,768-$3,843-$34,214$806$111,982
12
Yearly Insurance$1,750110$396,830-$362-$2,232-$2,594$396,468$512,459$471,462-$961-$160-$164-$779-$20,270-$45,638No$75,266-$3,854-$38,068$804$113,334
13
Yearly HOA$1,800111$396,468-$364-$2,230-$2,594$396,103$513,722$472,624-$963-$161-$165-$782-$22,342-$46,185No$72,758-$3,864-$41,932$801$114,690
14
Yearly Maintenance$9,000112$396,103-$366-$2,228-$2,594$395,737$514,988$473,789-$966-$162-$167-$785-$24,421-$46,735No$70,244-$3,875-$45,807$799$116,050
15
213$395,737-$368-$2,226-$2,594$395,369$516,257$474,956-$968-$164-$168-$788-$26,508-$47,289No$67,723-$3,885-$49,692$797$117,415
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Home Value Growth Rate3%214$395,369-$370-$2,224-$2,594$394,998$517,529$476,127-$970-$165-$169-$791-$28,604-$47,846No$65,196-$3,896-$53,588$794$118,783
17
Expenses Growth Rate3%215$394,998-$373-$2,222-$2,594$394,626$518,805$477,300-$973-$167-$171-$793-$30,708-$48,406No$62,662-$3,906-$57,494$792$120,156
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Selling Costs (Listing & Title)
8.0%216$394,626-$375-$2,220-$2,594$394,251$520,083$478,476-$975-$168-$172-$796-$32,820-$48,969No$60,122-$3,917-$61,411$789$121,533
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217$394,251-$377-$2,218-$2,594$393,874$521,365$479,656-$978-$169-$174-$799-$34,940-$49,535No$57,575-$3,928-$65,339$787$122,914
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Renting Alternative (/mo)$3,750218$393,874-$379-$2,216-$2,594$393,495$522,650$480,838-$980-$171-$175-$802-$37,068-$50,105No$55,023-$3,938-$69,277$784$124,300
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Rent Growth3%219$393,495-$381-$2,213-$2,594$393,114$523,938$482,023-$982-$172-$177-$805-$39,205-$50,678No$52,463-$3,949-$73,226$782$125,689
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Savings Investment Rate6%220$393,114-$383-$2,211-$2,594$392,731$525,229$483,210-$985-$174-$178-$808-$41,350-$51,254No$49,897-$3,960-$77,186$779$127,083
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221$392,731-$385-$2,209-$2,594$392,346$526,523$484,401-$987-$175-$179-$811-$43,503-$51,833No$47,325-$3,971-$81,157$777$128,482
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BREAKEVEN5.75 Years222$392,346-$387-$2,207-$2,594$391,959$527,821$485,595-$990-$177-$181-$814-$45,664-$52,415No$44,746-$3,981-$85,138$774$129,884
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223$391,959-$390-$2,205-$2,594$391,569$529,121$486,792-$992-$178-$182-$817-$47,834-$53,001No$42,161-$3,992-$89,130$772$131,291
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224$391,569-$392-$2,203-$2,594$391,177$530,425$487,991-$995-$179-$184-$820-$50,012-$53,590No$39,569-$4,003-$93,133$769$132,703
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325$391,177-$394-$2,200-$2,594$390,783$531,732$489,194-$997-$181-$185-$823-$52,199-$54,182No$36,971-$4,014-$97,147$767$134,118
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326$390,783-$396-$2,198-$2,594$390,387$533,043$490,399-$999-$182-$187-$826-$54,394-$54,777No$34,366-$4,025-$101,172$764$135,538
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327$390,387-$398-$2,196-$2,594$389,988$534,357$491,608-$1,002-$184-$188-$829-$56,597-$55,376No$31,755-$4,036-$105,208$762$136,963
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328$389,988-$401-$2,194-$2,594$389,588$535,673$492,819-$1,004-$185-$190-$833-$58,809-$55,978No$29,137-$4,047-$109,255$759$138,392
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329$389,588-$403-$2,191-$2,594$389,185$536,993$494,034-$1,007-$187-$191-$836-$61,029-$56,583No$26,512-$4,058-$113,312$757$139,825
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330$389,185-$405-$2,189-$2,594$388,780$538,317$495,252-$1,009-$188-$193-$839-$63,258-$57,191No$23,881-$4,069-$117,381$754$141,262
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331$388,780-$408-$2,187-$2,594$388,372$539,643$496,472-$1,012-$190-$194-$842-$65,495-$57,802No$21,244-$4,080-$121,461$752$142,704
34
332$388,372-$410-$2,185-$2,594$387,962$540,973$497,696-$1,014-$191-$196-$845-$67,741-$58,417No$18,599-$4,091-$125,552$749$144,151
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333$387,962-$412-$2,182-$2,594$387,550$542,307$498,922-$1,017-$193-$197-$848-$69,995-$59,035No$15,948-$4,102-$129,654$747$145,602
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334$387,550-$414-$2,180-$2,594$387,136$543,643$500,152-$1,019-$194-$199-$851-$72,258-$59,656No$13,291-$4,113-$133,767$744$147,058
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335$387,136-$417-$2,178-$2,594$386,719$544,983$501,384-$1,022-$195-$200-$854-$74,529-$60,280No$10,627-$4,124-$137,891$742$148,518
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336$386,719-$419-$2,175-$2,594$386,300$546,326$502,620-$1,024-$197-$202-$857-$76,809-$60,908No$7,956-$4,135-$142,026$739$149,982
39
437$386,300-$421-$2,173-$2,594$385,878$547,672$503,859-$1,027-$198-$203-$860-$79,097-$61,539No$5,279-$4,147-$146,173$736$151,451
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438$385,878-$424-$2,171-$2,594$385,455$549,022$505,100-$1,029-$200-$205-$863-$81,395-$62,173No$2,594-$4,158-$150,330$734$152,925
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439$385,455-$426-$2,168-$2,594$385,028$550,375$506,345-$1,032-$201-$206-$867-$83,701-$62,810No-$96-$4,169-$154,499$731$154,403
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440$385,028-$429-$2,166-$2,594$384,600$551,731$507,593-$1,034-$203-$208-$870-$86,015-$63,451No-$2,794-$4,180-$158,680$729$155,886
43
441$384,600-$431-$2,163-$2,594$384,169$553,091$508,844-$1,037-$204-$209-$873-$88,338-$64,094No-$5,498-$4,192-$162,871$726$157,373
44
442$384,169-$433-$2,161-$2,594$383,735$554,454$510,098-$1,040-$206-$211-$876-$90,670-$64,741No-$8,209-$4,203-$167,074$723$158,865
45
443$383,735-$436-$2,159-$2,594$383,299$555,821$511,355-$1,042-$207-$212-$879-$93,011-$65,392No-$10,927-$4,214-$171,288$721$160,362
46
444$383,299-$438-$2,156-$2,594$382,861$557,190$512,615-$1,045-$209-$214-$882-$95,361-$66,045No-$13,651-$4,226-$175,514$718$161,863
47
445$382,861-$441-$2,154-$2,594$382,420$558,564$513,879-$1,047-$210-$215-$885-$97,719-$66,702No-$16,382-$4,237-$179,751$716$163,369
48
446$382,420-$443-$2,151-$2,594$381,977$559,940$515,145-$1,050-$212-$217-$889-$100,086-$67,362No-$19,120-$4,249-$184,000$713$164,880
49
447$381,977-$446-$2,149-$2,594$381,531$561,320$516,415-$1,052-$214-$218-$892-$102,462-$68,025No-$21,865-$4,260-$188,260$710$166,395
50
448$381,531-$448-$2,146-$2,594$381,083$562,704$517,687-$1,055-$215-$220-$895-$104,847-$68,691No-$24,616-$4,272-$192,531$708$167,915
51
549$381,083-$451-$2,144-$2,594$380,632$564,090$518,963-$1,058-$217-$221-$898-$107,241-$69,361No-$27,374-$4,283-$196,815$705$169,440
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550$380,632-$453-$2,141-$2,594$380,179$565,480$520,242-$1,060-$218-$223-$901-$109,643-$70,033No-$30,140-$4,295-$201,109$702$170,970
53
551$380,179-$456-$2,139-$2,594$379,723$566,874$521,524-$1,063-$220-$224-$905-$112,055-$70,710No-$32,912-$4,306-$205,415$700$172,504
54
552$379,723-$458-$2,136-$2,594$379,265$568,271$522,809-$1,066-$221-$226-$908-$114,475-$71,389No-$35,690-$4,318-$209,733$697$174,043
55
553$379,265-$461-$2,133-$2,594$378,803$569,672$524,098-$1,068-$223-$227-$911-$116,905-$72,071No-$38,476-$4,330-$214,063$694$175,587
56
554$378,803-$464-$2,131-$2,594$378,340$571,076$525,390-$1,071-$224-$229-$914-$119,343-$72,757No-$41,268-$4,341-$218,404$692$177,136
57
555$378,340-$466-$2,128-$2,594$377,874$572,483$526,684-$1,073-$226-$231-$918-$121,791-$73,446No-$44,068-$4,353-$222,757$689$178,689
58
556$377,874-$469-$2,126-$2,594$377,405$573,894$527,982-$1,076-$227-$232-$921-$124,247-$74,138No-$46,874-$4,365-$227,121$686$180,247
59
557$377,405-$471-$2,123-$2,594$376,933$575,308$529,284-$1,079-$229-$234-$924-$126,713-$74,834No-$49,687-$4,376-$231,498$684$181,811
60
558$376,933-$474-$2,120-$2,594$376,459$576,726$530,588-$1,081-$231-$235-$927-$129,187-$75,533No-$52,507-$4,388-$235,886$681$183,379
61
559$376,459-$477-$2,118-$2,594$375,982$578,148$531,896-$1,084-$232-$237-$931-$131,671-$76,234No-$55,334-$4,400-$240,286$678$184,952
62
560$375,982-$479-$2,115-$2,594$375,503$579,572$533,207-$1,087-$234-$238-$934-$134,164-$76,940No-$58,168-$4,412-$244,698$675$186,530
63
661$375,503-$482-$2,112-$2,594$375,021$581,001$534,521-$1,089-$235-$240-$937-$136,666-$77,648No-$61,009-$4,424-$249,122$673$188,113
64
662$375,021-$485-$2,109-$2,594$374,536$582,433$535,838-$1,092-$237-$242-$941-$139,177-$78,360No-$63,857-$4,436-$253,557$670$189,700
65
663$374,536-$488-$2,107-$2,594$374,048$583,868$537,159-$1,095-$238-$243-$944-$141,697-$79,074No-$66,712-$4,448-$258,005$667$191,293
66
664$374,048-$490-$2,104-$2,594$373,558$585,307$538,483-$1,097-$240-$245-$947-$144,227-$79,793No-$69,573-$4,460-$262,464$664$192,891
67
665$373,558-$493-$2,101-$2,594$373,065$586,750$539,810-$1,100-$242-$246-$951-$146,766-$80,514No-$72,442-$4,472-$266,936$662$194,494
68
666$373,065-$496-$2,098-$2,594$372,569$588,196$541,140-$1,103-$243-$248-$954-$149,314-$81,238No-$75,318-$4,484-$271,420$659$196,102
69
667$372,569-$499-$2,096-$2,594$372,070$589,645$542,474-$1,106-$245-$250-$957-$151,871-$81,966No-$78,201-$4,496-$275,915$656$197,714
70
668$372,070-$501-$2,093-$2,594$371,569$591,099$543,811-$1,108-$246-$251-$961-$154,438-$82,697No-$81,091-$4,508-$280,423$653$199,332
71
669$371,569-$504-$2,090-$2,594$371,064$592,555$545,151-$1,111-$248-$253-$964-$157,014-$83,431Yes-$83,988-$4,520-$284,943$651$200,955
72
670$371,064-$507-$2,087-$2,594$370,557$594,016$546,495-$1,114-$250-$255-$967-$159,599-$84,169Yes-$86,892-$4,532-$289,475$648$202,583
73
671$370,557-$510-$2,084-$2,594$370,047$595,480$547,841-$1,117-$251-$256-$971-$162,194-$84,909Yes-$89,803-$4,544-$294,019$645$204,216
74
672$370,047-$513-$2,082-$2,594$369,534$596,947$549,192-$1,119-$253-$258-$974-$164,798-$85,653Yes-$92,721-$4,556-$298,575$642$205,855
75
773$369,534-$516-$2,079-$2,594$369,018$598,419$550,545-$1,122-$254-$259-$978-$167,412-$86,401Yes-$95,646-$4,569-$303,144$639$207,498
76
774$369,018-$519-$2,076-$2,594$368,500$599,894$551,902-$1,125-$256-$261-$981-$170,035-$87,151Yes-$98,578-$4,581-$307,725$636$209,147
77
775$368,500-$522-$2,073-$2,594$367,978$601,372$553,262-$1,128-$258-$263-$984-$172,667-$87,904Yes-$101,518-$4,593-$312,318$634$210,800
78
776$367,978-$525-$2,070-$2,594$367,454$602,854$554,626-$1,130-$259-$264-$988-$175,309-$88,661Yes-$104,464-$4,606-$316,924$631$212,459
79
777$367,454-$527-$2,067-$2,594$366,926$604,340$555,993-$1,133-$261-$266-$991-$177,960-$89,421Yes-$107,418-$4,618-$321,541$628$214,124
80
778$366,926-$530-$2,064-$2,594$366,396$605,829$557,363-$1,136-$263-$268-$995-$180,621-$90,184Yes-$110,379-$4,630-$326,172$625$215,793
81
779$366,396-$533-$2,061-$2,594$365,862$607,323$558,737-$1,139-$264-$269-$998-$183,292-$90,951Yes-$113,347-$4,643-$330,814$622$217,468
82
780$365,862-$536-$2,058-$2,594$365,326$608,819$560,114-$1,142-$266-$271-$1,002-$185,972-$91,720Yes-$116,322-$4,655-$335,469$619$219,148
83
781$365,326-$539-$2,055-$2,594$364,786$610,320$561,494-$1,144-$268-$273-$1,005-$188,662-$92,493Yes-$119,304-$4,668-$340,137$617$220,833
84
782$364,786-$542-$2,052-$2,594$364,244$611,824$562,878-$1,147-$269-$274-$1,009-$191,361-$93,269Yes-$122,294-$4,680-$344,817$614$222,523
85
783$364,244-$546-$2,049-$2,594$363,698$613,332$564,266-$1,150-$271-$276-$1,012-$194,070-$94,049Yes-$125,291-$4,693-$349,510$611$224,219
86
784$363,698-$549-$2,046-$2,594$363,150$614,844$565,656-$1,153-$273-$278-$1,016-$196,789-$94,831Yes-$128,295-$4,705-$354,215$608$225,920
87
885$363,150-$552-$2,043-$2,594$362,598$616,359$567,050-$1,156-$274-$279-$1,019-$199,517-$95,617Yes-$131,306-$4,718-$358,933$605$227,627
88
886$362,598-$555-$2,040-$2,594$362,043$617,878$568,448-$1,159-$276-$281-$1,023-$202,255-$96,406Yes-$134,324-$4,730-$363,663$602$229,339
89
887$362,043-$558-$2,036-$2,594$361,486$619,401$569,849-$1,161-$278-$283-$1,026-$205,003-$97,198Yes-$137,350-$4,743-$368,407$599$231,056
90
888$361,486-$561-$2,033-$2,594$360,925$620,928$571,253-$1,164-$279-$284-$1,030-$207,761-$97,993Yes-$140,383-$4,756-$373,162$596$232,779
91
889$360,925-$564-$2,030-$2,594$360,360$622,458$572,661-$1,167-$281-$286-$1,033-$210,528-$98,791Yes-$143,424-$4,769-$377,931$593$234,507
92
890$360,360-$567-$2,027-$2,594$359,793$623,992$574,073-$1,170-$283-$288-$1,037-$213,306-$99,593Yes-$146,471-$4,781-$382,712$590$236,241
93
891$359,793-$571-$2,024-$2,594$359,222$625,530$575,488-$1,173-$284-$290-$1,040-$216,093-$100,398Yes-$149,526-$4,794-$387,506$587$237,980
94
892$359,222-$574-$2,021-$2,594$358,649$627,072$576,906-$1,176-$286-$291-$1,044-$218,890-$101,206Yes-$152,588-$4,807-$392,313$584$239,725
95
893$358,649-$577-$2,017-$2,594$358,072$628,617$578,328-$1,179-$288-$293-$1,047-$221,697-$102,017Yes-$155,658-$4,820-$397,133$581$241,475
96
894$358,072-$580-$2,014-$2,594$357,491$630,167$579,753-$1,182-$289-$295-$1,051-$224,513-$102,832Yes-$158,735-$4,833-$401,966$579$243,231
97
895$357,491-$584-$2,011-$2,594$356,908$631,720$581,182-$1,184-$291-$296-$1,055-$227,340-$103,649Yes-$161,819-$4,846-$406,811$576$244,992
98
896$356,908-$587-$2,008-$2,594$356,321$633,277$582,615-$1,187-$293-$298-$1,058-$230,177-$104,470Yes-$164,911-$4,859-$411,670$573$246,759
99
997$356,321-$590-$2,004-$2,594$355,731$634,838$584,051-$1,190-$295-$300-$1,062-$233,024-$105,294Yes-$168,010-$4,872-$416,542$570$248,531
100
998$355,731-$593-$2,001-$2,594$355,138$636,402$585,490-$1,193-$296-$302-$1,065-$235,880-$106,121Yes-$171,117-$4,885-$421,426$567$250,309