SMART Cash Flow Calculator©
| From MLS | |||||||||
| Address: | # Units: | Sq Ft: | Status: | ||||||
| Type/Subtype: / | Beds: | Lot: 0 | Listing Id: | ||||||
| Area: | Baths: | Built: | APN: | ||||||
| Rents (applied to entire property): | |||||||||
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| Listing Agent: / Listing Office: | |||
| Full Calculations | ||||
| Monthly Cash Flow | ||||
| Cash Flow = + Total Monthly Rents: $0 - Mortgage: $0 - Property Tax: $0 - Vacancy: $0- Insurance: $0 - Reserves: $0 - Property Management: $0 - HOA: $0 - Other: 0 = Total Expenses: $0 = Monthly Cash Flow: $0 | ||||
| GRM | ||||
| GRM = Price / Annual Rents $ / $0 = 0 (The lower the GRM, the better for the buyer) | ||||
| Cash Flow Accumulation |
| Yr | CashFlow | % | Incr | Accum |
| 1 | $0 | 3% | $0 | $0 |
| 2 | $0 | 3% | $0 | $0 |
| 3 | $0 | 3% | $0 | $0 |
| 4 | $0 | 3% | $0 | $0 |
| 5 | $0 | 3% | $0 | $0 |
| 6 | $0 | 3% | $0 | $0 |
| 7 | $0 | 3% | $0 | $0 |
| 8 | $0 | 3% | $0 | $0 |
| 9 | $0 | 3% | $0 | $0 |
| 10 | $0 | 3% | $0 | $0 |
| New Property Value | ||||
| Year | Price | Ann Appr % | Incr | New Price |
| 1 | $ | 3% | $0 | $0 |
| 2 | $0 | 3% | $0 | $0 |
| 3 | $0 | 3% | $0 | $0 |
| 4 | $0 | 3% | $0 | $0 |
| 5 | $0 | 3% | $0 | $0 |
| 6 | $0 | 3% | $0 | $0 |
| 7 | $0 | 3% | $0 | $0 |
| 8 | $0 | 3% | $0 | $0 |
| 9 | $0 | 3% | $0 | $0 |
| 10 | $0 | 3% | $0 | $0 |
| Total Appreciation: $0 | ||||
| New Property Value = | ||||
| $ + $0 = | ||||
| $0 | ||||
| Principle Reduction |
| (Click for Amort Table) |
| Equity Gain |
| Equity Gain =
Cash Flow Accumulation + Appreciation + Principal Reduction = $0 + $0 + $0 =$0 |
| Opportunity ROI |
| ROI = Equity Gain / Total Investment = $0 / $0 = 0% (100% = Double Your Money) |
| Total Monthly Expenses |
| Total Expenses =
Rents * Expense Ratio = $0 * 30%= $0 |
| Expense % of Income |
| Total Annual Expenses / Total Annual Income
$0 / $0 = 0% |
| Net Operating Income (NOI) |
| Rents - Operating Expenses
$0 - $0 = $0 |
| Capitalization (Cap) Rate |
| Capitalization Rate = Annual NOI / Purchase Price $0 / $ = 0% (similar to all cash ROI; the higher the cap rate, the better for the buyer) |
| Down Payment |
| Down Payment =
Price * Down Payment % $ * 25% = $0 |
| Loan Amount |
| Price - Down Payment Amount
$ - $0 = $0 |
| Monthly Mortgage |
| (Click for Amort Table) |
| Total Investment |
| Total Investment = Down Payment + Other Up Front Costs (e.g., Closing Costs, Estimated Repairs) $0 |
| Effective Monthly Cash Flow |
| Effective Monthly Cash Flow = Neg Equity Gain / Investment Period (months) $0 / 0 = |
| Effective Annual Yield |
| Effective Annual Yield (including compounding) = (Equity Gain / Total Investment)** (1 / Opportunity Years) -1 = ( $0 / $0)**(1 / 0) -1 = |
| Doubling Year |
| Year In Which You Double Your Investment, i.e., ROI > 100% |
| OO: GRM |
| OO: New Monthly Mortgage |
| Owner Occupied New Mortgage = Old Mortgage - 1-Unit (OO) Monthly Rent $0 - $0 = |
| OO: Rents Pay For % Of Old Mortgage |
| Owner Occupied Percent Savings =
Remaining Rents (Rents - Single Unit Rent) / Mortgage $0 / $0 = 0% |
