Invest & Retire

Real Estate Deal

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Purchase price

Down payment (%)

Loan rate (%)

Loan term (years)

Closing costs (%)

Upfront repairs ($)

Monthly rent

Vacancy (%)

Property tax / yr (%)

Insurance / yr ($)

Maintenance (% of rent)

Management (% of rent)

HOA / month ($)

Appreciation / yr (%)

Years you'll hold

The Deal

Cash flows $161 a month · 2.8% cash-on-cash

It pays you to own it. Cap rate 6.8%. Over 10 years, net profit about $136,326.

Monthly Cash Flow

Rent collected$2,090

Operating costs-$681

Mortgage (P&I)-$1,247

Monthly cash flow$161

Cash to Close

Down payment$62,500

Closing costs$7,500

Upfront repairs$0

Total cash in$70,000

The Numbers That Matter

Net operating income / yr$16,906

Cap rate6.8%

Cash-on-cash return2.8%

Annual cash flow$1,937

Down the Road

In 10 years, value$370,061

Loan balance$160,898

Your equity$209,163

Cash flow collected$19,367

Net profit if you sell$136,326

“For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?” Luke 14:28, KJV. A good deal survives honest math, not hope.

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