Real Estate Investment Analysis — Team Cocco Financial Planning

Assumptions

Purchase Details

Purchase Price:

Down Payment %: %

Down Payment $:

Closing Costs:

Renovation/Repair:

Loan Interest Rate: %

Loan Term:

Income

Monthly Rent:

Annual Rent Increase: %

Vacancy Rate: %

Other Income (annual):

Expenses

Property Tax (annual):

Insurance (annual):

Maintenance Reserve: %

Property Management: %

HOA/Condo Fee (monthly):

Annual Expense Increase: %

Growth & Analysis

Property Appreciation: %

Analysis Period:

Selling Costs: %

Real Estate Investment Analysis

10-year projection

Key Metrics

Year-by-Year Projection

Understanding Real Estate Returns:

Real estate returns come from four sources: cash flow, appreciation, loan paydown (equity build), and tax benefits. Cap rate measures the property's income yield without financing. Cash-on-cash measures YOUR return on the money YOU put in.
A 5% cap rate with 75% leverage can produce 12%+ cash-on-cash returns — that is the power of using other people's money (the bank's) to amplify your returns.
Cash flow is king — appreciation is speculation. Buy properties that cash-flow from day one. Appreciation is a bonus, not a strategy.
The 1% rule: Monthly rent should be at least 1% of purchase price. A $300K property should rent for $3,000+. Most markets fall below this, so dig deeper into your numbers.
DSCR above 1.25 gives you a safety margin. Below 1.0 means the property loses money before vacancy even hits.