Seller paid Interest Rate Buy down!
bed3 Bedsbathtub1 Bathcalendar_todayBuilt 1965constructionRemodeled 2026 | Estimated Square Feet | 900 | | Initial Market Value | $104,900 | | Price | $104,900 | | Down Payment | $26,225 | | Closing Costs | $4,196 | | Loan Origination and/or Buydown Points | $1,180 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $31,601 | | Minimum Recommended Cash Reserves | $5,000 | | Cost per Square Foot / per Bedroom | $117 / $34,967 | | Monthly Rent per SQFT / per Bedroom | $1.11 / $332 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $995 | $11,940 | | Vacancy Losses | ($80) | ($955) | | Operating Income | $915 | $10,985 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($87) | ($1,049) | | Insurance | ($57) | ($682) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | $0 | $0 | | Maintenance | ($80) | ($955) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($224) | ($2,686) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $692 | $8,299 | | - Mortgage Payments | ($410) | ($4,925) | | = Cash Flow | $281 | $3,374 | | + Principal Reduction | $101 | $1,214 | | + Potential Cost Seg Tax Savings | $525 | $6,294 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $243 | $2,911 | | + One Year Appreciation | $437 | $5,245 | | = Gross Equity Income | $1,586 | $19,038 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $78,675 | N/A | | Monthly Payment | $410.41 | N/A | | Loan Type | Amortizing ARM | N/A | | Term | 10 Years | N/A | | Nominal / Real Interest Rate | 4.750% / 1.050% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Projections & Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.95% | | Debt Coverage Ratio | 1.69 | | Annual Gross Rent Multiplier | 9 | | Capitalization Rate | 7.9% | | Cash on Cash Return | 11% | | Base Return on Investment (ROI) | 31% | | Inflation-Enhanced ROI™ (with IIDD) | 40% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 60% | | + 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 | 8% |
| Comments |
|---|
| Fully Renovated - NO HOA! No PM Fees for 1year! |
*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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