Shared Multi-Family Property Worksheet
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Welcome to the FINomad single/multi-family ultimate spreadsheet.
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See the article at
http://finomad.com/post/2018/4_21-ultimate-spreadsheet/
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YOU NEED TO MAKE A COPY OF THIS TO EDIT IT.
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Next to the green icon above, click on File->'Make a copy.."
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note: copy the comments as well, they have links and info you might need.
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CHANGELOG
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1/3/2019Average rents
Changed the average rents from rentbits to rentdata
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4/23/2018PMI
Added PMI % calculation to the mortgage amount so it does not need to be done in the additional section.
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PMI is really based on your credit rating.
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PMI is typically 0.02% to 0.07% and is applied ONLY to loans NOT meeting 20% down, it can be avoided with 80/10/10 piggyback and so on, talk to your agent, but don't get too fancy.
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Here is what a PMI on a $250,000 loan would look like with various credit scores.
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Loan Type660 Score700 Score740 Score
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Conventional 5% down$295$180$120
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Conventional 10% down$210$125$85
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FHA 3.5% down$175$175$175
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USDA 0% down$75$75$75
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