Occupied Duplex Cash
Arkansas
6bd • 3ba • Built: 1907 • Remodeled: 2025
| Projected Income | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Projected Rent | $33,480 | $34,484 | $35,519 | $36,584 | $37,682 | $38,812 | $39,977 | $41,176 | $42,411 | $43,684 |
| Vacancy Losses | ($2,678) | ($2,759) | ($2,842) | ($2,927) | ($3,015) | ($3,105) | ($3,198) | ($3,294) | ($3,393) | ($3,495) |
| Operating Income | $30,802 | $31,726 | $32,677 | $33,658 | $34,667 | $35,707 | $36,779 | $37,882 | $39,019 | $40,189 |
| Estimated Expenses | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Property Taxes | ($3,990) | ($4,138) | ($4,291) | ($4,449) | ($4,614) | ($4,785) | ($4,962) | ($5,145) | ($5,336) | ($5,533) |
| Insurance | ($1,596) | ($1,655) | ($1,716) | ($1,780) | ($1,846) | ($1,914) | ($1,985) | ($2,058) | ($2,134) | ($2,213) |
| Management Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Leasing/Advertising Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Association Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Maintenance | ($670) | ($694) | ($720) | ($747) | ($774) | ($803) | ($833) | ($864) | ($895) | ($929) |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating Expenses | ($6,256) | ($6,487) | ($6,727) | ($6,976) | ($7,234) | ($7,502) | ($7,779) | ($8,067) | ($8,366) | ($8,675) |
| 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 | $24,546 | $25,239 | $25,950 | $26,682 | $27,433 | $28,206 | $28,999 | $29,815 | $30,653 | $31,514 |
| - Mortgage Payments | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) | ($23,891) |
| = Cash Flow | $655 | $1,348 | $2,059 | $2,791 | $3,542 | $4,315 | $5,108 | $5,924 | $6,762 | $7,623 |
| + Principal Reduction | $3,040 | $3,260 | $3,495 | $3,748 | $4,019 | $4,309 | $4,621 | $4,955 | $5,313 | $5,697 |
| + Appreciation | $19,950 | $20,948 | $21,995 | $23,095 | $24,249 | $25,462 | $26,735 | $28,072 | $29,475 | $30,949 |
| = Gross Equity Income | $23,645 | $25,555 | $27,549 | $29,633 | $31,811 | $34,086 | $36,464 | $38,950 | $41,550 | $44,269 |
| Capitalization Rate | 5.9% | 5.7% | 5.6% | 5.5% | 5.4% | 5.3% | 5.2% | 5.1% | 5.0% | 4.8% |
| Cash on Cash Return | 0.6% | 1.2% | 1.9% | 2.5% | 3.2% | 3.9% | 4.6% | 5.4% | 6.1% | 6.9% |
| Return on Equity | 19.3% | 17.4% | 16.0% | 14.9% | 14.0% | 13.2% | 12.6% | 12.1% | 11.7% | 11.3% |
| Loan Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Market Value | $418,950 | $439,898 | $461,892 | $484,987 | $509,236 | $534,698 | $561,433 | $589,505 | $618,980 | $649,929 |
| - Loan Balance | ($296,210) | ($292,951) | ($289,455) | ($285,707) | ($281,689) | ($277,379) | ($272,758) | ($267,803) | ($262,490) | ($256,793) |
| = Equity | $122,740 | $146,947 | $172,437 | $199,280 | $227,548 | $257,319 | $288,675 | $321,701 | $356,490 | $393,136 |
| Loan-to-Value Ratio | 70.7% | 66.6% | 62.7% | 58.9% | 55.3% | 51.9% | 48.6% | 45.4% | 42.4% | 39.5% |
| Potential Cash-Out Refi | $80,845 | $102,957 | $126,248 | $150,781 | $176,624 | $203,849 | $232,531 | $262,751 | $294,592 | $328,143 |
| Sale Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Equity | $122,740 | $146,947 | $172,437 | $199,280 | $227,548 | $257,319 | $288,675 | $321,701 | $356,490 | $393,136 |
| - Closing Costs | ($29,327) | ($30,793) | ($32,332) | ($33,949) | ($35,647) | ($37,429) | ($39,300) | ($41,265) | ($43,329) | ($45,495) |
| = Proceeds After Sale | $93,413 | $116,154 | $140,105 | $165,330 | $191,901 | $219,890 | $249,374 | $280,436 | $313,161 | $347,641 |
| + Cumulative Cash Flow | $655 | $2,003 | $4,062 | $6,853 | $10,395 | $14,710 | $19,818 | $25,742 | $32,504 | $40,127 |
| - Approximate Cash Invested | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) | ($110,224) |
| = Net Profit | ($16,155) | $7,933 | $33,943 | $61,959 | $92,072 | $124,376 | $158,969 | $195,954 | $235,441 | $277,544 |
| Internal Rate of Return | -14.7% | 3.5% | 9.4% | 11.9% | 13.1% | 13.7% | 14.0% | 14.1% | 14.1% | 14.0% |
| Return on Investment | -14.7% | 7.2% | 30.8% | 56.2% | 83.5% | 112.8% | 144.2% | 177.8% | 213.6% | 251.8% |
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.