Currently Occupied - Self Management
Arizona
bed3 Bedsbathtub2 Bathscalendar_todayBuilt 1987 | Estimated Square Feet | 1,548 | | Initial Market Value | $570,000 | | Price | $570,000 | | Down Payment | $142,500 | | Closing Costs | $8,550 | | Loan Origination and/or Buydown Points | $8,550 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $159,600 | | Minimum Recommended Cash Reserves | $22,800 | | Cost per Square Foot / per Bedroom | $368 / $190,000 | | Monthly Rent per SQFT / per Bedroom | $2.26 / $1,167 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $3,500 | $42,000 | | Vacancy Losses | ($280) | ($3,360) | | Operating Income | $3,220 | $38,640 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($143) | ($1,710) | | Insurance | ($190) | ($2,280) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | $0 | $0 | | Maintenance | ($175) | ($2,100) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($508) | ($6,090) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $2,713 | $32,550 | | - Mortgage Payments | ($2,449) | ($29,391) | | = Cash Flow | $263 | $3,159 | | + Principal Reduction | $0 | $0 | | + Potential Cost Seg Tax Savings | $2,850 | $34,200 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $1,318 | $15,818 | | + One Year Appreciation | $2,375 | $28,500 | | = Gross Equity Income | $6,806 | $81,677 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $427,500 | N/A | | Monthly Payment | $2,449.22 | N/A | | Loan Type | Interest Only Fixed | N/A | | Term | 10 Years | N/A | | Nominal / Real Interest Rate | 6.875% / 3.175% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.61% | | Debt Coverage Ratio | 1.11 | | Annual Gross Rent Multiplier | 14 | | Capitalization Rate | 5.7% | | Cash on Cash Return | 2% | | Base Return on Investment (ROI) | 20% | | Inflation-Enhanced ROI™ (with IIDD) | 30% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 51% | | + Tax Benefits: Deductions, Depreciation, 1031 Exchange, etc. |
| Assumptions & Projections | |
|---|
| Projected Appreciation Rate | 5.0% | | Gov CPI Inflation September '26 | 3.7% | | Vacancy Rate | 8% | | Management Fee | 0% | | Maintenance Percentage | 5% |
| Comments |
|---|
| EXTENSIVE upgrades include new roof, new AC unit, paint, brand new windows, water heater, water purification system, flooring, lighting, appliances & plumbing fixtures, epoxy garage floor (2024). Taxes & Ins. $2700/yr. |
*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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