BEAUTIFUL NEW CONSTRUCTION HOME
3bd • 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 | $34,800 | $35,844 | $36,919 | $38,027 | $39,168 | $40,343 | $41,553 | $42,800 | $44,084 | $45,406 |
| Vacancy Losses | ($2,784) | ($2,868) | ($2,954) | ($3,042) | ($3,133) | ($3,227) | ($3,324) | ($3,424) | ($3,527) | ($3,632) |
| Operating Income | $32,016 | $32,976 | $33,966 | $34,985 | $36,034 | $37,115 | $38,229 | $39,376 | $40,557 | $41,774 |
| Estimated Expenses | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Property Taxes | ($1,882) | ($1,947) | ($2,016) | ($2,086) | ($2,159) | ($2,235) | ($2,313) | ($2,394) | ($2,478) | ($2,564) |
| Insurance | ($960) | ($994) | ($1,028) | ($1,064) | ($1,102) | ($1,140) | ($1,180) | ($1,221) | ($1,264) | ($1,308) |
| Management Fees | ($1,032) | ($1,063) | ($1,095) | ($1,128) | ($1,162) | ($1,196) | ($1,232) | ($1,269) | ($1,307) | ($1,347) |
| Leasing/Advertising Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Association Fees | ($1,332) | ($1,379) | ($1,427) | ($1,477) | ($1,529) | ($1,582) | ($1,637) | ($1,695) | ($1,754) | ($1,815) |
| Maintenance | ($696) | ($720) | ($746) | ($772) | ($799) | ($827) | ($856) | ($886) | ($916) | ($949) |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating Expenses | ($5,902) | ($6,103) | ($6,311) | ($6,527) | ($6,749) | ($6,980) | ($7,218) | ($7,465) | ($7,720) | ($7,983) |
| 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 | $26,114 | $26,874 | $27,655 | $28,458 | $29,285 | $30,135 | $31,011 | $31,911 | $32,837 | $33,790 |
| - Mortgage Payments | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) | ($20,387) |
| = Cash Flow | $5,727 | $6,486 | $7,267 | $8,071 | $8,897 | $9,748 | $10,623 | $11,524 | $12,450 | $13,403 |
| + Principal Reduction | $3,004 | $3,206 | $3,420 | $3,649 | $3,894 | $4,154 | $4,433 | $4,729 | $5,046 | $5,384 |
| + Appreciation | $23,039 | $24,422 | $25,887 | $27,440 | $29,087 | $30,832 | $32,682 | $34,643 | $36,721 | $38,925 |
| = Gross Equity Income | $31,771 | $34,113 | $36,574 | $39,160 | $41,878 | $44,734 | $47,738 | $50,896 | $54,218 | $57,712 |
| Capitalization Rate | 6.4% | 6.2% | 6.0% | 5.9% | 5.7% | 5.5% | 5.4% | 5.2% | 5.1% | 4.9% |
| Cash on Cash Return | 4.7% | 5.3% | 6.0% | 6.6% | 7.3% | 8.0% | 8.7% | 9.5% | 10.2% | 11.0% |
| Return on Equity | 22.5% | 20.2% | 18.5% | 17.1% | 16.0% | 15.1% | 14.3% | 13.6% | 13.0% | 12.6% |
| Loan Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Market Value | $407,029 | $431,451 | $457,338 | $484,779 | $513,865 | $544,697 | $577,379 | $612,022 | $648,743 | $687,668 |
| - Loan Balance | ($265,789) | ($262,583) | ($259,163) | ($255,514) | ($251,620) | ($247,466) | ($243,033) | ($238,304) | ($233,257) | ($227,873) |
| = Equity | $141,241 | $168,868 | $198,175 | $229,265 | $262,245 | $297,232 | $334,346 | $373,718 | $415,486 | $459,795 |
| Loan-to-Value Ratio | 65.3% | 60.9% | 56.7% | 52.7% | 49.0% | 45.4% | 42.1% | 38.9% | 36.0% | 33.1% |
| Potential Cash-Out Refi | $100,538 | $125,723 | $152,441 | $180,787 | $210,859 | $242,762 | $276,608 | $312,516 | $350,611 | $391,028 |
| Sale Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Equity | $141,241 | $168,868 | $198,175 | $229,265 | $262,245 | $297,232 | $334,346 | $373,718 | $415,486 | $459,795 |
| - Closing Costs | ($28,492) | ($30,202) | ($32,014) | ($33,934) | ($35,971) | ($38,129) | ($40,417) | ($42,842) | ($45,412) | ($48,137) |
| = Proceeds After Sale | $112,749 | $138,666 | $166,162 | $195,330 | $226,275 | $259,103 | $293,929 | $330,877 | $370,074 | $411,658 |
| + Cumulative Cash Flow | $5,727 | $12,213 | $19,480 | $27,551 | $36,449 | $46,197 | $56,820 | $68,344 | $80,793 | $94,197 |
| - Approximate Cash Invested | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) | ($121,725) |
| = Net Profit | ($3,249) | $29,155 | $63,917 | $101,157 | $140,998 | $183,575 | $229,025 | $277,495 | $329,142 | $384,129 |
| Internal Rate of Return | -2.7% | 11.6% | 15.7% | 17.3% | 17.8% | 18.0% | 17.9% | 17.8% | 17.6% | 17.3% |
| Return on Investment | -2.7% | 24.0% | 52.5% | 83.1% | 115.8% | 150.8% | 188.1% | 228.0% | 270.4% | 315.6% |
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.