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Ten Year Performance Projection

Nice Area- Two-story Home
Indiana
4bd • 2.5ba • Built: 2026

Projected IncomeYear 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Projected Rent $28,800$29,664$30,554$31,471$32,415$33,387$34,389$35,420$36,483$37,577
Vacancy Losses ($2,304)($2,373)($2,444)($2,518)($2,593)($2,671)($2,751)($2,834)($2,919)($3,006)
Operating Income $26,496$27,291$28,110$28,953$29,821$30,716$31,638$32,587$33,564$34,571
Estimated ExpensesYear 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Property Taxes($7,298)($7,568)($7,848)($8,138)($8,440)($8,752)($9,076)($9,411)($9,760)($10,121)
Insurance($1,642)($1,703)($1,766)($1,831)($1,899)($1,969)($2,042)($2,118)($2,196)($2,277)
Management Fees($2,120)($2,183)($2,249)($2,316)($2,386)($2,457)($2,531)($2,607)($2,685)($2,766)
Leasing/Advertising Fees$0$0$0$0$0$0$0$0$0$0
Association Fees($540)($560)($581)($602)($624)($648)($672)($696)($722)($749)
Maintenance($576)($597)($619)($642)($666)($691)($716)($743)($770)($799)
Other$0$0$0$0$0$0$0$0$0$0
Operating Expenses ($12,176)($12,611)($13,063)($13,530)($14,015)($14,517)($15,036)($15,575)($16,133)($16,711)
Income AnalysisYear 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Net Operating Income $14,320$14,679$15,047$15,423$15,807$16,200$16,601$17,012$17,431$17,860
- Mortgage Payments($15,079)($15,079)($15,079)($15,079)($15,079)($15,079)($15,079)($19,150)($19,150)($19,150)
= Cash Flow ($758)($399)($32)$344$728$1,121$1,522($2,138)($1,719)($1,290)
+ Principal Reduction $4,306$4,493$4,688$4,891$5,103$5,324$5,554$7,728$8,144$8,581
+ Appreciation $18,245$19,157$20,115$21,121$22,177$23,286$24,450$25,673$26,956$28,304
= Gross Equity Income $21,793$23,251$24,771$26,355$28,008$29,730$31,527$31,262$33,381$35,595
Capitalization Rate 3.7%3.6%3.6%3.5%3.4%3.3%3.2%3.2%3.1%3.0%
Cash on Cash Return -0.6%-0.3%0.0%0.3%0.6%0.9%1.2%-1.7%-1.4%-1.0%
Return on Equity 16.5%14.9%13.7%12.8%12.0%11.3%10.8%9.6%9.2%8.9%
Loan AnalysisYear 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Market Value $383,145$402,302$422,417$443,538$465,715$489,001$513,451$539,123$566,080$594,384
- Loan Balance ($251,124)($246,631)($241,944)($237,053)($231,950)($226,626)($221,072)($213,344)($205,201)($196,619)
= Equity $132,021$155,671$180,474$206,485$233,765$262,374$292,379$325,779$360,879$397,764
Loan-to-Value Ratio 65.5%61.3%57.3%53.4%49.8%46.3%43.1%39.6%36.2%33.1%
Potential Cash-Out Refi $93,707$115,441$138,232$162,132$187,193$213,474$241,034$271,867$304,271$338,326
Sale AnalysisYear 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Equity $132,021$155,671$180,474$206,485$233,765$262,374$292,379$325,779$360,879$397,764
- Closing Costs ($26,820)($28,161)($29,569)($31,048)($32,600)($34,230)($35,942)($37,739)($39,626)($41,607)
= Proceeds After Sale $105,201$127,510$150,905$175,438$201,165$228,144$256,437$288,041$321,253$356,158
+ Cumulative Cash Flow ($758)($1,158)($1,190)($846)($118)$1,003$2,526$387($1,331)($2,621)
- Approximate Cash Invested($124,248)($124,248)($124,248)($124,248)($124,248)($124,248)($124,248)($124,248)($124,248)($124,248)
= Net Profit ($19,806)$2,104$25,467$50,344$76,799$104,899$134,715$164,180$195,674$229,288
Internal Rate of Return -15.9%0.8%6.4%8.8%10.1%10.7%11.0%11.1%11.1%11.0%
Return on Investment -15.9%1.7%20.5%40.5%61.8%84.4%108.4%132.1%157.5%184.5%
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.
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