Rental Property Analysis - Should you buy?
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Spreadsheet provided by Jed Wunderli - Noble Home Loans
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Estimated IncomeCash Flow5-Year ROI
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Rental Income:$1,600.00Total Income:$1,600.00
Appreciation Rate:
7.00%
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Other Income:$0.00Total Expenses:$1,503.29Value in 5 Years:$350,637.93
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Total Income:$1,600.00Net Income:$96.71
Total Appreciation:
$100,637.93
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Estimated ExpensesCash on Cash ROI
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Property Taxes:$190.00Down Payment:$50,000.00ROI:17.52%
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Homeowner's Insurance:$30.00Closing Costs:$7,500.00Total ROI*:18.70%
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Utilities:$0.00Repair Costs:*Total ROI assumes a stable rental payment with no increases and it does not account for the benefit of depreciation.
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HOA Fees:$0.00Misc.:
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Lawn care / snow removal:
$0.00Total $ Invested:$57,500.00
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Vacancy (5%):$80.00
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Repairs (5%):$80.00Annual Cash Flow:$1,160.46
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Capital Expenditures (5%):
$80.00
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Property Management (10%):
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Marketing / Misc. Costs:$0.00
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Mortgage (P & I):$1,043.29
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Total Expenses:$1,503.29Cash on Cash ROI:2.02%
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Mortgage InformationBonus Cash Flow Considerations
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Purchase Price:$250,000.00Depreciation Exp.:$7,272.73
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Down Payment:$50,000.00
Other Tax Deductions:
$2,640.00
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Loan Amount:$200,000.00***Mortgage interest is also tax deductable. Some closing costs along with capital expenditures are added to the cost basis while repairs are typically deductible in the year they are made. Marketing expenses are also typically deductable in the year they are made. Consult a tax advisor.
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Interest Rate:4.75%
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Loan Term (years):30
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Mortgage Payment:$1,043.29
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***Depreciation expense assumes that the improved value is 80% of the sales price.
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