7/6 ARM at 3.99% Rate
Buckeye, AZ 85326
4bd • 2ba • Built: 2026
| Projected Income | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Projected Rent | $22,800 | $23,484 | $24,189 | $24,914 | $25,662 | $26,431 | $27,224 | $28,041 | $28,882 | $29,749 |
| Vacancy Losses | ($1,824) | ($1,879) | ($1,935) | ($1,993) | ($2,053) | ($2,115) | ($2,178) | ($2,243) | ($2,311) | ($2,380) |
| Operating Income | $20,976 | $21,605 | $22,253 | $22,921 | $23,609 | $24,317 | $25,046 | $25,798 | $26,572 | $27,369 |
| Estimated Expenses | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Property Taxes | ($1,540) | ($1,586) | ($1,634) | ($1,683) | ($1,733) | ($1,785) | ($1,839) | ($1,894) | ($1,951) | ($2,009) |
| Insurance | ($770) | ($793) | ($817) | ($841) | ($867) | ($893) | ($919) | ($947) | ($975) | ($1,005) |
| Management Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Leasing/Advertising Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Association Fees | ($1,212) | ($1,248) | ($1,286) | ($1,324) | ($1,364) | ($1,405) | ($1,447) | ($1,491) | ($1,535) | ($1,581) |
| Maintenance | ($456) | ($470) | ($484) | ($498) | ($513) | ($529) | ($544) | ($561) | ($578) | ($595) |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating Expenses | ($3,978) | ($4,097) | ($4,220) | ($4,347) | ($4,477) | ($4,612) | ($4,750) | ($4,892) | ($5,039) | ($5,190) |
| Income Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Net Operating Income | $16,998 | $17,508 | $18,033 | $18,574 | $19,131 | $19,705 | $20,297 | $20,905 | $21,533 | $22,179 |
| - Mortgage Payments | ($16,522) | ($16,522) | ($16,522) | ($16,522) | ($16,522) | ($16,522) | ($16,522) | ($16,954) | ($16,954) | ($16,954) |
| = Cash Flow | $476 | $986 | $1,511 | $2,052 | $2,609 | $3,183 | $3,774 | $3,952 | $4,579 | $5,225 |
| + Principal Reduction | $5,094 | $5,301 | $5,516 | $5,740 | $5,974 | $6,216 | $6,469 | $10,251 | $10,536 | $10,830 |
| + Appreciation | $23,099 | $24,485 | $25,954 | $27,512 | $29,162 | $30,912 | $32,767 | $34,733 | $36,817 | $39,026 |
| = Gross Equity Income | $28,669 | $30,772 | $32,982 | $35,304 | $37,745 | $40,312 | $43,010 | $48,935 | $51,932 | $55,080 |
| Capitalization Rate | 4.2% | 4.0% | 3.9% | 3.8% | 3.7% | 3.6% | 3.5% | 3.4% | 3.3% | 3.2% |
| Cash on Cash Return | 0.4% | 0.9% | 1.4% | 1.9% | 2.4% | 2.9% | 3.4% | 3.6% | 4.2% | 4.8% |
| Return on Equity | 23.0% | 20.0% | 17.8% | 16.1% | 14.9% | 13.8% | 13.0% | 13.0% | 12.3% | 11.7% |
| Loan Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Market Value | $408,089 | $432,575 | $458,529 | $486,041 | $515,203 | $546,116 | $578,883 | $613,616 | $650,433 | $689,458 |
| - Loan Balance | ($283,649) | ($278,348) | ($272,832) | ($267,092) | ($261,118) | ($254,902) | ($248,433) | ($238,182) | ($227,646) | ($216,816) |
| = Equity | $124,441 | $154,227 | $185,697 | $218,949 | $254,085 | $291,214 | $330,450 | $375,434 | $422,787 | $472,642 |
| Loan-to-Value Ratio | 69.5% | 64.3% | 59.5% | 55.0% | 50.7% | 46.7% | 42.9% | 38.8% | 35.0% | 31.4% |
| Potential Cash-Out Refi | $83,632 | $110,969 | $139,844 | $170,345 | $202,565 | $236,602 | $272,562 | $314,072 | $357,743 | $403,696 |
| Sale Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Equity | $124,441 | $154,227 | $185,697 | $218,949 | $254,085 | $291,214 | $330,450 | $375,434 | $422,787 | $472,642 |
| - Closing Costs | ($28,566) | ($30,280) | ($32,097) | ($34,023) | ($36,064) | ($38,228) | ($40,522) | ($42,953) | ($45,530) | ($48,262) |
| = Proceeds After Sale | $95,874 | $123,947 | $153,600 | $184,927 | $218,021 | $252,986 | $289,928 | $332,480 | $377,256 | $424,380 |
| + Cumulative Cash Flow | $476 | $1,462 | $2,973 | $5,025 | $7,635 | $10,818 | $14,592 | $18,544 | $23,123 | $28,347 |
| - Approximate Cash Invested | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) | ($109,722) |
| = Net Profit | ($13,372) | $15,686 | $46,851 | $80,230 | $115,934 | $154,082 | $194,798 | $241,302 | $290,657 | $343,005 |
| Internal Rate of Return | -12.2% | 6.9% | 12.6% | 14.8% | 15.7% | 16.0% | 16.0% | 16.0% | 15.9% | 15.7% |
| Return on Investment | -12.2% | 14.3% | 42.7% | 73.1% | 105.7% | 140.4% | 177.5% | 219.9% | 264.9% | 312.6% |
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.