padsplit 42
Georgia
bed8 Bedsbathtub5 Bathscalendar_todayBuilt 1972constructionRemodeled 2026 | Estimated Square Feet | 2,088 | | Initial Market Value | $354,900 | | Price | $354,900 | | Down Payment | $88,725 | | Closing Costs | $7,098 | | Loan Origination and/or Buydown Points | $5,324 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $101,147 | | Minimum Recommended Cash Reserves | $14,196 | | Cost per Square Foot / per Bedroom | $170 / $44,363 | | Monthly Rent per SQFT / per Bedroom | $3.32 / $867 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $6,933 | $83,196 | | Vacancy Losses | ($693) | ($8,320) | | Operating Income | $6,240 | $74,876 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($414) | ($4,969) | | Insurance | ($177) | ($2,129) | | Management Fees | ($1,186) | ($14,227) | | Leasing/Advertising Fees | ($208) | ($2,500) | | Association Fees | $0 | $0 | | Maintenance | ($277) | ($3,328) | | Other (Utilities, Supplies, etc.) | ($250) | ($3,000) | | Operating Expenses | ($2,513) | ($30,152) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $3,727 | $44,724 | | - Mortgage Payments | ($1,816) | ($21,789) | | = Cash Flow | $1,911 | $22,935 | | + Principal Reduction | $215 | $2,576 | | + Potential Cost Seg Tax Savings | $1,775 | $21,294 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $821 | $9,848 | | + One Year Appreciation | $1,479 | $17,745 | | = Gross Equity Income | $6,200 | $74,398 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $266,175 | N/A | | Monthly Payment | $1,815.78 | N/A | | Loan Type | Amortizing Fixed | N/A | | Term | 30 Years | N/A | | Nominal / Real Interest Rate | 7.250% / 3.550% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Projections & Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 1.95% | | Debt Coverage Ratio | 2.05 | | Annual Gross Rent Multiplier | 4 | | Capitalization Rate | 12.6% | | Cash on Cash Return | 23% | | Base Return on Investment (ROI) | 43% | | Inflation-Enhanced ROI™ (with IIDD) | 53% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 74% | | + Tax Benefits: Deductions, Depreciation, 1031 Exchange, etc. |
| Assumptions & Projections | |
|---|
| Projected Appreciation Rate | 5.0% | | Gov CPI Inflation September '26 | 3.7% | | Vacancy Rate | 10% | | Management Fee | 19% | | Maintenance Percentage | 4% |
| Comments |
|---|
| Co-living 4 en suites and 4 shared bedrooms. will have new roof, new HVAC, garage has been converted but will be re-doing that as well. |
*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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