Edit   Download

{{ property.author.company.line1 }}
{{ property.author.company.line2 }}
{{ property.author.company.line3 }}
{{ property.author.company.line4 }}

Property Report: {{ property.name ? property.name : (property.address_line1 + ', ' + property.city) }} PRIVATE

Property Report

Property Report :

{{ property.name }}

{{ property.address_line1 }}{{ ' ' + property.address_line2 }}{{ (', ' + property.city + ', ' ) }}{{ property.state +' '}}{{ property.zip }}

Created on: Feb 17, 2016

Author: {{ property.author.first_name }} {{ property.author.last_name }}

{{ property.address_line1 }}{{ ' ' + property.address_line2 }}{{ (', ' + property.city + ', ' ) }}{{ property.state +' '}}{{ property.zip }}

{{ property.type }} ({{ property.commercial_type }}): {{ property.num_rooms }} {{property.num_rooms | pluralize 'room'}}: {{ property.num_beds }} {{ property.num_beds | pluralize 'bedroom'}} , {{ property.num_baths }} {{ property.num_baths | pluralize 'bathroom' }} + {{ property.num_kitchens }} {{ property.num_kitchens | pluralize 'kitchen'}}

Year built: {{ property.year_built }}, Size: {{ property.building_size }} {{ property.dist_unit }}

{{ property.description }}

Financing Overview

Purchase Price {{ property.price | number_format property.currency}}
Down Payment {{ property.down_payment | number_format property.currency}}
Renovation {{ property.rehab | number_format property.currency}}
Closing + Loan Costs {{ property.closing_costs + property.loan_costs | number_format property.currency}}
Total Cash Needed {{ (property.down_payment + property.closing_costs + property.loan_costs + property.rehab) | number_format property.currency}}
Mortgage ({{ property.loan_years}}yr @ {{property.loan_interest}}%) {{ property.loan_amount | number_format property.currency}}
Financing ({{ property.cr_loan_years}}yr @ {{property.cr_loan_interest}}%) {{ property.cr_loan_amount | number_format property.currency}}
2nd Mortgage ({{ property.loan_years2}}yr @ {{property.loan_interest2}}%) {{ property.loan_amount2 | number_format property.currency}}
Loan-to-Value (LTV) {{ property.LTV | number_format null 2}} %
Total Aquisition Cost {{ property.acquisition_total | number_format property.currency}}

Income, Expenses and Cash Flow

Rent {{ property.rent/12 | number_format property.currency}}/mo
Gross Operating Income (GOI) {{ property.GOI | number_format property.currency }}
Total Expenses {{ property.total_expense | number_format property.currency }}
Net Operating Income (NOI) {{ property.NOI | number_format property.currency }}
Annual Debt Service {{ property.an_debt | number_format property.currency }}
Renovation {{ property.rehab | number_format property.currency }}
Cash Flow Before Taxes (CFBT) {{ property.forecast['CFBT'][1] | number_format property.currency }}
Income Tax Liability {{ property.forecast['tax'][1]| number_format property.currency }}
Cash Flow After Taxes (CFAT) {{ property.forecast['CFAT'][1] | number_format property.currency }}

Financial Analysis

Holding period of {{ property.holding_period }} years were used for calculation of NPV and IRR. The rest of the financial measures are for the 1st year only and therefore doesn't provide such exact information.

Net Present Value (NPV) {{ property.NPV | number_format property.currency }}
Internal Rate of Return (IRR)
Cash on Cash Return {{ property.CoC | number_format null 2 }} %
Return on Equity (ROE) {{ property.ROE | number_format null 2 }} %
Capitalization Rate {{ property.prop_cap_rate | number_format null 2 }} %
Gross Rent Multiplier (GRM) {{ property.GRM | number_format null 2 }}
Debt-coverage Ratio (DCR) {{ property.DCR | number_format null 2 }}
Operating Expense Ratio (OER) {{ property.op_expense_r | number_format null 2 }} %

Resale Analysis

Sale Price in year {{ property.holding_period}} () {{property.resale[property.sale_price_method] | number_format property.currency}}
Sale Proceeds (Before Tax) {{ property.sale_proceeds | number_format property.currency }}
Purchase Price {{ property.price | number_format property.currency }}
Address {{ property.address_line1 }} {{ property.address_line2 }}, {{ property.city }}
Country {{ property.country }}
Year Built {{ property.year_built }}
Type {{ property.type }}
Number of Units {{ property.num_units }}
Category {{ property.commercial_type }}
Size {{ property.building_size }} {{ property.dist_unit }}
Bedrooms {{ property.num_beds }}
Bathrooms {{ property.num_baths }}
Rooms total {{ property.num_rooms }}
Kitchens {{ property.num_kitchens }}
{{ unit.label }} {{ unit.amount | number_format property.currency }}/mo
Description {{ property.description }}

The Annual Property Operating Data

Incomes % of GOI
Gross Scheduled Income {{ property.GSI | number_format property.currency }}    
{{ income.label | capitalize }} {{ income.amount | number_format property.currency }}
Total Gross Income {{ property.total_income | number_format property.currency }}  
Vacancy loss {{ property.vacancy_loss | number_format property.currency }}  
Gross Operating Income {{ property.GOI | number_format property.currency }} {{ 100 | number_format null 2}} %
Expenses
50% rule {{ property.total_expense | number_format property.currency }} {{(property.total_expense/property.GOI*100) | number_format null 2}} %
{{ expense.label | capitalize }} {{ expense.amount | number_format property.currency }} {{ (expense.amount/property.GOI*100)|number_format null 2}} %
Total Expenses {{ property.total_expense | number_format property.currency }} {{(property.total_expense/property.GOI*100) | number_format null 2}} %
Net Operating Income {{ property.NOI | number_format property.currency }} {{(property.NOI/property.GOI*100) | number_format null 2}} %

Cash Flow (Year 1)

Net Operating Income {{ property.NOI | number_format property.currency }} {{(property.NOI/property.GOI*100) | number_format null 2}} %
Annual Debt Service {{ property.an_debt | number_format property.currency }} {{(property.an_debt/property.GOI*100) | number_format null 2}} %
Renovation {{ property.rehab | number_format property.currency }} {{(property.rehab/property.GOI*100) | number_format null 2}} %
Cash Flow Before Taxes (CFBT) {{ property.forecast['CFBT'][1]| number_format property.currency }} {{ (property.forecast['CFBT'][1]/property.GOI*100)|number_format null 2}} %
Income Tax Liability {{ property.forecast['tax'][1]| number_format property.currency }} {{ (property.forecast['tax'][1]/property.GOI*100)|number_format null 2}} %
Cash Flow After Taxes (CFAT) {{ property.forecast['CFAT'][1]| number_format property.currency }} {{ (property.forecast['CFAT'][1]/property.GOI*100)|number_format null 2}} %

Operating Ratios

Operating Expense Ratio {{ property.op_expense_r | number_format null 2 }} %
Break-Even Ratio {{ property.BER | number_format null 2 }} %

Financial Measures

Net Present Value (NPV) {{ property.NPV | number_format property.currency }}
Internal Rate of Return
Profitability Index {{ property.profit_index | number_format null 2 }}
House P/E Ratio {{ property.PE | number_format null 2 }}
Annual Depreciation {{ property.depreciation | number_format property.currency }}

Holding period of {{ property.holding_period }} years were used for calculation of NPV and IRR. The rest of the financial measures are for the 1st year only and therefore don't provide such an exact information.

Investment Return Ratios

Cash on Cash Return {{ property.CoC | number_format null 2 }} %
Return on Investment {{ property.ROI | number_format null 2 }} %
Return on Equity {{ property.ROE | number_format null 2 }} %
Capitalization Rate {{ property.prop_cap_rate | number_format null 2 }} %
Gross Rental Yield {{ property.GRY | number_format null 2 }} %
Gross Rent Multiplier {{ property.GRM | number_format null 2 }}
Acquisition Cost
Purchase Price {{ property.price | number_format property.currency }}
Closing Costs {{ property.closing_costs | number_format property.currency }}
Loan Costs {{ property.loan_costs | number_format property.currency }}
Total {{ property.price*1 + property.closing_costs*1 + property.loan_costs*1 | number_format property.currency }}
Financing % of Acq.
Down Payment + Costs {{ property.down_payment | number_format property.currency }} {{ (property.down_payment/property.acquisition_total*100)|number_format null 2}} %
Mortgage {{ property.loan_amount | number_format property.currency }} {{ (property.loan_amount/property.acquisition_total*100)|number_format null 2}} %
2nd Mortgage {{ property.loan_amount2 | number_format property.currency }} {{ (property.loan_amount2/property.acquisition_total*100)|number_format null 2}} %
Financing {{ property.cr_loan_amount | number_format property.currency }} {{ (property.cr_loan_amount/property.acquisition_total*100)|number_format null 2}} %
Loan to Value Ratio {{ property.LTV | number_format null 2 }} %
Debt Coverage Ratio {{ property.DCR | number_format null 2 }}
Mortgage
Mortgage Amount {{ property.loan_amount | number_format property.currency }}
Amortization {{ property.loan_years }} years
Interest Rate {{ property.loan_interest | number_format null 2 }} %
Monthly Payment {{ property.loan_payment | number_format property.currency 2 }}
Creative Financing
Amount {{ property.cr_loan_amount | number_format property.currency }}
Amortization {{ property.cr_loan_years }} years
Interest Rate {{ property.cr_loan_interest | number_format null 2 }} %
Monthly Payment {{ property.loan_payment | number_format property.currency 2 }}
2nd Mortgage
Mortgage Amount {{ property.loan_amount2 | number_format property.currency }}
Amortization {{ property.loan_years2 }} years
Interest Rate {{ property.loan_interest2 | number_format null 2 }} %
Monthly Payment {{ property.loan_payment2 | number_format null 2 }}{{property.cr_loan_amount2}}
2nd Loan (Refinancing)
Loan Amount {{ property.cr_loan_amount2 | number_format property.currency }}
Amortization {{ property.cr_loan_years2 }} years
Interest Rate {{ property.cr_loan_interest2 | number_format null 2 }} %
Monthly Payment {{ property.loan_payment2 | number_format null 2 }}

This chart shows the process of accumulation of the equity which belongs to the investor. There is some equity right from the beginning - the down payment. Over the time the equity is rising by paying off the principal of the mortgage and also by appreciation over the years.
Basically all the green parts is the cummulative equity belonging to the investor and the red part belongs to the bank.

Year {{ $index }}
Operational Analysis
Gross Scheduled Income {{ property.forecast['income'][$index]| number_format }}
Vacancy Loss {{ property.forecast['vacancy_loss'][$index]| number_format }}
Gross Operating Income {{ property.forecast['GOI'][$index]| number_format }}
Expenses {{ property.forecast['expense'][$index]| number_format }}
Net Operating Income {{ property.forecast['NOI'][$index]| number_format }}
Financing
Mortgage Payment {{ property.forecast['loan_payment'][$index]| number_format }}
Payment Interest Part {{ property.forecast['loan_payment_i'][$index]| number_format }}
Payment Principal Part {{ property.forecast['loan_payment_p'][$index]| number_format }}
2nd Mortgage Payment {{ property.forecast['loan_payment2'][$index]| number_format }}
2nd Payment Interest Part {{ property.forecast['loan_payment_i2'][$index]| number_format }}
2nd Payment Principal Part {{ property.forecast['loan_payment_p2'][$index]| number_format }}
Total Debt Service {{ property.forecast['loan_payment'][$index]+property.forecast['loan_payment2'][$index]| number_format }}
Cash Flow
Renovation {{ property.forecast['capital_additions'][$index]| number_format }}
Cash Flow Before Taxes {{ property.forecast['CFBT'][$index]| number_format }}
Depreciation {{ 0| number_format }} {{ property.depreciation | number_format }}
Taxes {{ property.forecast['tax'][$index]| number_format }}
Cash Flow After Taxes {{ property.forecast['CFAT'][$index]| number_format }}

Note: All amounts in the table above are in {{ property.currency }}

Resale Price Evaluation Methods

The property is sold after {{ property.holding_period }} years.

{{ property.resale[property.sale_price_method] | number_format property.currency }}
Appreciation ({{ property.appreciation_growth | number_format null 2 }}%) {{ property.resale.appreciation | number_format property.currency }}
Cap Rate ({{ property.cap_rate | number_format null 2 }}%) & NOI {{ property.resale.cap | number_format property.currency }}
Gross Rent Multiplier {{ property.resale.grm | number_format property.currency }}

Sale Proceeds

In the resale analysis we do not include any calculation for taxes that might be owed on sale of the property. The tax laws for the resale are rather complex and subjected to frequent changes, and are different in every country.

Projected Selling Price {{ property.sale_price | number_format property.currency }}
Costs of Sale ({{ property.sale_cost | number_format null 2 }}%) {{ (property.sale_price * property.sale_cost / 100)| number_format property.currency }}
Mortgage Balance Payoff {{ property.forecast['loan_balance'][property.cols-1] | number_format property.currency }}
2nd Mortgage Balance Payoff {{ property.forecast['loan_balance2'][property.cols-1] | number_format property.currency }}
Early Payoff Penalty ({{ property.early_penalization | number_format null 2 }} %) {{ ((property.forecast['loan_balance'][property.cols-1] + property.forecast['loan_balance2'][property.cols-1])*property.early_penalization/100)| number_format property.currency }}
Sale Proceeds Before Tax {{ property.sale_proceeds | number_format property.currency }}

Net Assets and Yield

Net Assets
Sale Proceeds Before Tax {{ property.sale_proceeds | number_format property.currency }}
Down Payment {{ property.down_payment | number_format property.currency }}
Net Assets {{ property.sale_proceeds - property.down_payment | number_format property.currency }}
Yield
Annual Net Assets {{ (property.sale_proceeds - property.down_payment) / property.holding_period| number_format property.currency }}
Average Cash Flow (After Taxes) {{ property.avg_CFAT | number_format property.currency }}
Average Annual Yield (After Taxes) {{(property.avg_CFAT+(property.sale_proceeds - property.down_payment)/property.holding_period) | number_format property.currency }}
Average Annual Return (After Taxes) {{ ((( property.avg_CFAT+(property.sale_proceeds - property.down_payment)/property.holding_period)/property.price)*100) | number_format null 2}} %

This charts shows Net Present Value (NPV) when property is sold in various years, i.e. when sold in 5th year, the NPV is calculated from 5 years of Cash Flow (including the selling price) and this NPV is displayed in year 5. Optimal holding period can be estimated, using this method - when NPV is the highest. Please note that appreciation growth can change these numbers greatly. It sometimes makes sense to sell the property even before the end of the mortgage term.

  Edit   Download
Sign in to edit report, create new scenarios or compare properties.
                {{ $data | json }}