Expected Worst Difference What if Diff Expected Diff Worst

How much down? $23,390.00 $61,760.00 -$38,370.00 $400.00 -$22,990.00 -$61,360.00

How much back (capital)? $90,785.02 $11,681.40 $79,103.62 $105,135.16 $14,350.15 $93,453.76
How much back (income)? -$32,619.82 -$49,078.60 $16,458.78 -$26,431.00 $6,188.82 $22,647.60
How long (months)? 7 12 -5 7 0 -5
At what risk? Low Medium Medium

Net profit CoCR before tax 388.14% 18.91% 369.22% 26283.79% 25895.65% 26264.88%
Annual rent $70,200.00 $66,040.00 $4,160.00 $70,200.00 $0.00 $4,160.00
Sale Yield 7.70% 7.50% 0.20% 7.70% 0.00% 0.20%
Total Sale Price $911,688.31 $880,533.33 $31,154.98 $911,688.31 $0.00 $31,154.98
Holding cost -$19,028.23 -$49,078.60 $30,050.37 -$15,418.08 $3,610.15 $33,660.52
Selling Costs -$2,735.06 -$22,013.33 $19,278.27 -$2,735.06 $0.00 $19,278.27
Value adding costs $105,000.00 $105,000.00 $0.00 $105,000.00 $0.00 $0.00
Purchase price $690,000.00 $690,000.00 $0.00 $680,000.00 -$10,000.00 -$10,000.00
Cashflow (100% occupancy) -$11,559.82 -$16,058.60 $4,498.78 -$5,371.00 $6,188.82 $10,687.60
Number Crunching Template Instructions: Input figures in the yellow boxes and everything should work out for you!
Address Finance $74,320.02 Notes Year 1
ABC St (4 x 2BR + 1 x 3BR)
Management $3,439.80 7% 1 Month 12
Date Wednesday, October 15, 2008 Council $2,000.00 2 Fortnight 26
Insurance $2,000.00 3 Week 52
Rent per period $1,350.00 per Week n Prev # Repairs $0.00 4
Rent per annum $70,200.00 è 265 3 190 A Taxes $0.00 5 Interest Only
Occupancy 70% 295 1 200 B Other $0.00 P&I
260 1 185 C
Cash In $49,140.00 955 Cash Out $81,759.82 Start
Purchase Price ê End
Interest/yr 9.300% $690,000.00 è Purch.Yield All repayments per Week Terms
Deposit -$85,750.00 avg per unit 7.20% Equity Used $100,000.00 1 A
Closing Costs $4,140.00 0.6% $138,000.00 Equity Interest 9.300% 2 B
Improvements/Other $105,000.00 è Strata titling 25000 Vendor Finance $0.00 0% 3 C
Cash Required $23,390.00 Carports 9000 ê Vendor Fin Interest 12% 4 A+B
Refurb 65000 Loan Percent 85% 5 A+C
Sell? TRUE 5 Furniture 0 End-Value Loan TRUE B+C
Sell Units A + B + C 100% Other 6000 Bank Loan $675,750.00 A+B+C
Time required (mths) 7 Sale Price Purch. Price Bank Interest 9.300%
Sale Yield (gross) 7.70% $178,961.04 3 $137,277.49 A Type Interest Only
Sale Price $911,688.31 è $199,220.78 1 $144,502.62 B Term In Years 30
Holding cost -$19,028.23 $175,584.42 1 $133,664.92 C First Payment End 0
Selling Costs -$2,735.06 0.3% Total Borrowing $775,750.00
Profit $90,785.02 Periodic Payment $1,429.23
Purchase Price + Refurb etc Gross Return Risk Assessment Risk Notes
Cash In (exc sale) $49,140.00 ÷ $799,140.00 = 6.15% 1
Cash Out $81,759.82 2
Cashflow (100% occ) -$11,559.82 Cash Required Cash-on-cash Return 3
Cashflow -$32,619.82 ÷ $23,390.00 = -139.46% Low 4
Profit (if sold) $90,785.02 ÷ $23,390.00 = 388.14% 5
Outstanding Debt $0.00
Number Crunching Template Instructions: Input figures in the yellow boxes and everything should work out for you!
Address Finance $75,787.20 Notes Year 1
ABC St (4 x 2BR + 1 x 3BR)
Management $2,311.40 7% 1 Month 12
Date Wednesday, October 15, 2008 Council $2,000.00 2 Fortnight 26
Insurance $2,000.00 3 Week 52
Rent per period $1,270.00 per Week n Prev # Repairs $0.00 4
Rent per annum $66,040.00 è 250 3 190 A Taxes $0.00 5 Interest Only
Occupancy 50% 270 1 200 B Other $0.00 P&I
250 1 185 C
Cash In $33,020.00 955 Cash Out $82,098.60 Start
Purchase Price ê End
Interest/yr 9.500% $690,000.00 è Purch.Yield All repayments per Week Terms
Deposit -$46,000.00 avg per unit 7.20% Equity Used $100,000.00 1 A
Closing Costs $2,760.00 0.4% $138,000.00 Equity Interest 9.500% 2 B
Improvements/Other $105,000.00 è Strata titling 25000 Vendor Finance $0.00 0% 3 C
Cash Required $61,760.00 Carports 9000 ê Vendor Fin Interest 12% 4 A+B
Refurb 65000 Loan Percent 80% 5 A+C
Sell? TRUE 5 Furniture 0 End-Value Loan TRUE B+C
Sell Units A + B + C 100% Other 6000 Bank Loan $636,000.00 A+B+C
Time required (mths) 12 Sale Price Purch. Price Bank Interest 9.500%
Sale Yield (gross) 7.50% $173,333.33 3 $137,277.49 A Type Interest Only
Sale Price $880,533.33 è $187,200.00 1 $144,502.62 B Term In Years 30
Holding cost -$49,078.60 $173,333.33 1 $133,664.92 C First Payment End 0
Selling Costs -$22,013.33 2.5% Total Borrowing $736,000.00
Profit $11,681.40 Periodic Payment $1,457.45
Purchase Price + Refurb etc Gross Return Risk Assessment Risk Notes
Cash In (exc sale) $33,020.00 ÷ $797,760.00 = 4.14% 1
Cash Out $82,098.60 2
Cashflow (100% occ) -$16,058.60 Cash Required Cash-on-cash Return 3
Cashflow -$49,078.60 ÷ $61,760.00 = -79.47% Medium 4
Profit (if sold) $11,681.40 ÷ $61,760.00 = 18.91% 5
Outstanding Debt $0.00
Number Crunching Template Instructions: Input figures in the yellow boxes and everything should work out for you!
Address Finance $68,131.20 Notes Year 1
ABC St (4 x 2BR + 1 x 3BR)
Management $3,439.80 7% 1 Month 12
Date Wednesday, October 15, 2008 Council $2,000.00 2 Fortnight 26
Insurance $2,000.00 3 Week 52
Rent per period $1,350.00 per Week n Prev # Repairs $0.00 4
Rent per annum $70,200.00 è 265 3 190 A Taxes $0.00 5 Interest Only
Occupancy 70% 295 1 200 B Other $0.00 P&I
260 1 185 C
Cash In $49,140.00 955 Cash Out $75,571.00 Start
Purchase Price ê End
Interest/yr 9.300% $680,000.00 è Purch.Yield All repayments per Week Terms
Deposit -$108,000.00 avg per unit 7.30% Equity Used $58,000.00 1 A
Closing Costs $3,400.00 0.5% $136,000.00 Equity Interest 0.000% 2 B
Improvements/Other $105,000.00 è Strata titling 25000 Vendor Finance $102,000.00 15% 3 C
Cash Required $400.00 Carports 9000 ê Vendor Fin Interest 9.5% 4 A+B
Refurb 40000 Loan Percent 80% 5 A+C
Sell? TRUE 5 Furniture 25000 End-Value Loan TRUE B+C
Sell Units A + B + C 100% Other 6000 Bank Loan $628,000.00 A+B+C
Time required (mths) 7 Sale Price Purch. Price Bank Interest 9.300%
Sale Yield (gross) 7.70% $178,961.04 3 $135,287.96 A Type Interest Only
Sale Price $911,688.31 è $199,220.78 1 $142,408.38 B Term In Years 30
Holding cost -$15,418.08 $175,584.42 1 $131,727.75 C First Payment End 0
Selling Costs -$2,735.06 0.3% Total Borrowing $788,000.00
Profit $105,135.16 15% Periodic Payment $1,310.22
Purchase Price + Refurb etc Gross Return Risk Assessment Risk Notes
Cash In (exc sale) $49,140.00 ÷ $788,400.00 = 6.23% 1
Cash Out $75,571.00 2
Cashflow (100% occ) -$5,371.00 Cash Required Cash-on-cash Return 3
Cashflow -$26,431.00 ÷ $400.00 = -6607.75% Medium 4
Profit (if sold) $105,135.16 ÷ $400.00 = 26283.79% 5
Outstanding Debt $0.00
Year 1
Month 12
Fortnight 26
Week 52

A 1
B 2
C 4
A+B 3
A+C 5
B+C 6
A+B+C 7