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  Property Type  


2635 Camino del Rio S.

Suite 200, San Diego, CA 92108

Tel:(619) 725-3609

Fax: (619) 374-2903

Email: cgabhart@gabhartinvestments.com
  Purchase Price  
  Total Annual Income  
  Total Annual Expenses  
  Down Payment  
  Interest Rate  
  Mortgage Term (years)  
  Annual Expense Increase  
  Annual Appreciation  
 
     
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  Analysis Overview   Key Financials
  The Analysis Overview pie chart below provides the allocation of income and expenses for this investment opportunity. The high level overview provides a quick assessment of the financial underpinnings for the investment.   The table below helps analyze the investment opportunity via key financial indicators used to evaluate an investment property. These indicators are commonly used when evaluating an investment opportunity by individuals as well as all real estate professionals.
 
 
Capitalization Rate 13.33%
Cash on Cash Return 27.89%
Loan to Value 72.44%
Debt Coverage Ratio 2.1
Expense Coverage Ratio 60.00%
Net Income Multiplier 7.65
 
  Annual Cash Flow
  The Annual Cash Flow below is a fundamental analysis used to evaluate an investment opportunity. It depicts what amount is left over after all the income and expenses have been accounted for. A positive amount represents a gain to the investor. A negative amount is a loss and the investor will be required to put more cash into the investment.  
 
 
 
 
Description Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 Year 16 Year 17 Year 18 Year 19 Year 20 Year 21 Year 22 Year 23 Year 24 Year 25
                                                   
GROSS SCHEDULED INCOME 50,000 51,500 53,045 54,636 56,275 57,964 59,703 61,494 63,339 65,239 67,196 69,212 71,288 73,427 75,629 77,898 80,235 82,642 85,122 87,675 90,306 93,015 95,805 98,679 101,640
Total Operating Expenses (30,000) (30,900) (31,827) (32,782) (33,765) (34,778) (35,822) (36,896) (38,003) (39,143) (40,317) (41,527) (42,773) (44,056) (45,378) (46,739) (48,141) (49,585) (51,073) (52,605) (54,183) (55,809) (57,483) (59,208) (60,984)
                                                   
NET OPERATING INCOME 20,000 20,600 21,218 21,855 22,510 23,185 23,881 24,597 25,335 26,095 26,878 27,685 28,515 29,371 30,252 31,159 32,094 33,057 34,049 35,070 36,122 37,206 38,322 39,472 40,656
Loan Payment (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542) (9,542)
                                                   
NET CASH FLOW (b/t) 10,458 11,058 11,676 12,313 12,969 13,644 14,340 15,056 15,794 16,554 17,337 18,143 18,974 19,829 20,710 21,618 22,553 23,515 24,507 25,529 26,581 27,664 28,781 29,930 31,114
Cash On Cash Return b/t 27.89% 29.49% 31.14% 32.83% 34.58% 36.38% 38.24% 40.15% 42.12% 44.14% 46.23% 48.38% 50.6% 52.88% 55.23% 57.65% 60.14% 62.71% 65.35% 68.08% 70.88% 73.77% 76.75% 79.81% 82.97%
                                                   
NET OPERATING INCOME 20,000 20,600 21,218 21,855 22,510 23,185 23,881 24,597 25,335 26,095 26,878 27,685 28,515 29,371 30,252 31,159 32,094 33,057 34,049 35,070 36,122 37,206 38,322 39,472 40,656
Loan Interest (7,875) (7,750) (7,617) (7,475) (7,322) (7,159) (6,984) (6,798) (6,598) (6,384) (6,155) (5,910) (5,648) (5,367) (5,067) (4,746) (4,403) (4,035) (3,642) (3,221) (2,771) (2,289) (1,773) (1,222) (632)
Depreciation 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846 3,846
Taxable Income 6,612 7,212 7,830 8,467 9,123 9,798 10,493 11,210 11,948 12,708 13,491 14,297 15,128 15,983 16,864 17,772 18,706 19,669 20,661 21,682 22,735 23,818 24,934 26,084 27,268
 
  Cumulative Wealth
  The Cumulative Wealth chart portrays three types income streams often associated with a real estate investments. The cash flow which comes after all income and expenses are accounted for, the loan reduction due to paying the mortgage and the appreciation in value of the investment property.  
 
 
 
  Equity vs. Debt
  The chart below depicts the annual increase in equity and the annual decrease in debt for the investor. This occurs when mortgage payments are made and a portion of the principle is paid off. By paying off the mortgage principle, the investor’s equity in the property increases and the debt is reduced.  
 
 
 
The calculations and data presented are deemed to be accurate, but not guaranteed. They are intended for the purpose of illustrative projections and analysis. The information provided is not intended to replace or serve as substitute for any legal, accounting, investment, real estate, tax or other professional advice, consultation or service. The user of this software should consult with a professional in the respective legal, accounting, tax or other professional area before making any decisions.