Investment Property Calculator

Investment Property Calculator
 
Purchase Price $ Homeowners Insurance $
Down Payment $ Yearly Taxes $
Loan Interest Rate (%) Monthly Expenses/Fees $
Loan Term in Years    
       
Monthly Rental $    
Rent Increase Yearly (%)    
       
Inflation (%)
(for ins, taxes, expenses)
Your Gross Income
(for tax calculation)
$
Property Value Growth (%)
(real estate appreciation)
     
        
Loan Amount    $ Monthly Payment    $
 
INCOME Year 1 Year 2 Year 3 Year 4 Year 5
Rental Income

EXPENSES
Insurance
Taxes
Monthly Expenses/Fees
Total Payments
Total Expenses
CASH FLOW          
Cash Flow
TAX DEDUCTION          
Interest Expense
+ Depreciation*
+ Ins, Tax, other expenses
– Rental Income
Total Tax Deduction
TAX SAVED**
NET WORTH          
After Tax Cash Flow
Principal Paid (est)
Property Value
Yearly addition
to Net Worth

Assumptions:
* 27.5 yr straight line depreciation, deduction may be limited with high gross income. Depreciation is based on the value of the home without the land. In this calculation we are allocating 10% of the purchase price to the land and the remainder to the residence.

** 2001 Federal Filing Status Single  (most conservative tax rate)  Keep in mind that your tax deduction may also be limited with an adjusted gross income over $100,000.  See your tax advisor for details.