REAL ESTATE CALCULATORS(More Info)

Example Report
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You have selected to run a 25 year forecast . This will include both an income statement and a balance sheet, hence it will include 1) a forecast of the properties estimated value, 2) a forecast of the properties basis, 3) a forecast of the remaining mortgage balance, 4) a forecast of any accumulated depreciation and 5) a forecast of any other balance sheet item.

You will need to select the appropriate property classification from the below drop down menu. The property classifications are non rental property and rental property. Owner occupied property would fall under the property classifications of either non rental property or part rental / part non rental property.

In selecting an appropriate property classification you will need to determine if the property is to be acquired or if the property was previously acquired. Performing a forecast on a property that was previously acquired will require additional information relating to 1) mortgage amounts, 2) accumulated depreciation and 3) any possible carry forward losses.

 

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PROCEEDS FROM SALE
Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Year 11
Year 12
Year 13
Year 14
Year 15
Year 16
Year 17
Year 18
Year 19
Year 20
Year 21
Year 22
Year 23
Year 24
Year 25
Value
500,000
510,000
520,200
530,604
541,216
552,040
563,081
574,343
585,830
597,546
609,497
621,687
634,121
646,803
659,739
672,934
686,393
700,121
714,123
728,406
742,974
757,833
520,200
788,450
804,219
820,303
Mortgage (1st)
360,000
355,681
351,091
346,211
341,023
335,509
329,647
323,416
316,793
309,752
302,268
294,312
285,855
276,865
267,309
257,151
246,353
234,875
222,673
209,703
195,916
181,260
165,681
149,120
131,516
112,803
Mortgage (2nd)
80,000
79,040
78,020
76,936
75,783
74,557
73,255
71,870
70,398
68,834
67,170
65,403
63,523
61,525
59,402
57,144
54,745
52,194
49,483
46,600
43,536
40,279
36,817
33,137
29,225
25,067
Equity
60,000
75,278
91,089
107,458
124,410
141,974
160,179
179,056
198,638
218,960
240,059
261,972
284,743
308,412
333,028
358,639
385,295
413,052
441,967
472,102
503,521
536,294
570,491
606,192
643,477
682,433
R. E. Broker @ 4.50%
N/A
22,950
23,409
23,877
24,355
24,842
25,339
25,845
26,362
26,890
27,427
27,976
28,535
29,106
29,688
30,282
30,888
31,505
32,136
32,778
33,434
34,102
34,785
35,480
36,190
36,914
Proceeds After Mort. and R.E. Fees
N/A
52,328
67,680
83,581
100,055
117,132
134,840
153,211
172,276
192,070
212,632
233,996
256,208
279,306
303,340
328,357
354,407
381,547
409,831
439,324
470,087
502,192
535,706
570,712
607,287
645,519
Total Est. Def. Tax Liab.*
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
648
3,939
7,295
Net After Taxes
N/A
52,328
67,680
83,581
100,055
117,132
134,840
153,211
172,276
192,070
212,632
233,996
256,208
279,306
303,340
328,357
354,407
381,547
409,831
439,324
470,087
502,192
535,706
570,064
603,348
638,224
ANNUAL EXPENSES
 
Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Year 11
Year 12
Year 13
Year 14
Year 15
Year 16
Year 17
Year 18
Year 19
Year 20
Year 21
Year 22
Year 23
Year 24
Year 25
R. E. Taxes
N/A
9,000
9,270
9,548
9,834
10,129
10,433
10,746
11,068
11,400
11,742
12,094
12,457
12,831
13,216
13,612
14,020
14,441
14,874
15,320
15,780
16,253
16,741
17,243
17,760
18,293

Mortgage Interest (1st)

N/A
21,930
21,658
21,369
21,061
20,735
20,387
20,018
19,625
19,208
18,765
18,293
17,792
17,259
16,693
16,091
15,451
14,770
14,047
13,279
12,462
11,593
10,670
9,688
8,645
7,536

Mortgage Interest (2nd)

N/A
4,873
4,813
4,749
4,680
4,608
4,530
4,448
4,361
4,268
4,170
4,065
3,954
3,835
3,709
3,576
3,433
3,282
3,122
2,951
2,769
2,576
2,371
2,153
1,921
1,675
Maint.
N/A
3,000
3,090
3,183
3,278
3,376
3,477
3,581
3,688
3,799
3,913
4,030
4,151
4,276
4,404
4,536
4,672
4,812
4,956
5,105
5,258
5,416
5,578
5,745
5,917
6,095
Total Costs
N/A
38,803
38,831
38,848
38,854
38,847
38,828
38,793
38,743
38,676
38,589
38,482
38,354
38,201
38,022
37,814
37,576
37,306
36,999
36,654
36,269
35,838
35,360
34,829
34,243
33,598
Inc. Tax Adj.
Non-Rental YES @ 30.00%
N/A
10,741
10,722
10,700
10,673
10,641
10,605
10,564
10,516
10,463
10,403
10,336
10,261
10,178
10,085
9,983
9,871
9,748
9,613
9,465
9,303
9,127
8,935
8,725
8,498
8,251
Net Costs After Tax Benefit But
Before Principal Pay Downs
N/A
28,062
28,109
28,148
28,181
28,206
28,223
28,229
28,226
28,213
28,186
28,146
28,093
28,024
27,937
27,831
27,705
27,558
27,386
27,189
26,966
26,711
26,425
26,104
25,745
25,347
CASH OUTFLOW
 
Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Year 11
Year 12
Year 13
Year 14
Year 15
Year 16
Year 17
Year 18
Year 19
Year 20
Year 21
Year 22
Year 23
Year 24
Year 25
Net Costs After Tax Benefit But
Before Principal Pay Downs
N/A
28,062
28,109
28,148
28,181
28,206
28,223
28,229
28,226
28,213
28,186
28,146
28,093
28,024
27,937
27,831
27,705
27,558
27,386
27,189
26,966
26,711
26,425
26,104
25,745
25,347
Mortgage Principal (1st)
N/A
4,319
4,591
4,880
5,187
5,514
5,862
6,231
6,623
7,041
7,484
7,956
8,457
8,990
9,556
10,158
10,798
11,478
12,201
12,970
13,787
14,656
15,579
16,561
17,604
18,713
Mortgage Principal (2nd)
N/A
960
1,020
1,084
1,153
1,225
1,303
1,385
1,472
1,565
1,663
1,768
1,879
1,998
2,124
2,257
2,400
2,551
2,711
2,882
3,064
3,462
3,462
3,680
3,912
4,158
Cash Outflow
N/A
33,341
33,720
34,113
34,521
34,945
35,387
35,845
36,322
36,818
37,334
37,870
38,429
39,011
39,616
40,246
40,902
41,587
42,299
43,042
43,817
44,624
45,467
46,345
47,261
48,219
PROPERTY BASIS
 
Closing
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Year 16
Year 17
Year 18
Year 19
Year 20
Year 21
Year 22
Year 23
Year 24
Year 25
Value
500,000
510,000
520,200
530,604
541,216
552,040
563,081
574,343
585,830
597,546
609,497
621,687
634,121
646,803
659,739
672,934
686,393
700,121
714,123
728,406
742,974
757,833
772,990
788,450
804,219
820,303
Less Cost Basis (Purchase Price)
400,000
500,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
400,000
Less Cost Basis (Rehab Cost)
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
Less R.E. Brokers Fees @ 4.50%
N/A
22,950
23,409
23,877
24,355
24,842
25,339
25,845
26,362
26,890
27,427
27,976
28,535
29,106
29,688
30,282
30,888
31,505
32,136
32,778
33,434
34,102
34,785
35,480
36,190
36,914
Long Term Capital Gain/Loss
N/A
-12,950
-3,209
6,727
16,861
27,198
37,742
48,498
59,468
70,656
82,070
93,711
105,586
117,697
130,051
142,652
155,505
168,616
181,987
195,628
209,540
223,731
238,205
252,970
268,029
283,389
Exclusion YES
N/A
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
250,000
Gains After Any Exclusion*
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,970
18,029
33,389
DEFERRED TAXES
 
Closing
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Year 16
Year 17
Year 18
Year 19
Year 20
Year 21
Year 22
Year 23
Year 24
Year 25
Gains After Any Exclusion*
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,970
18,029
33,389
Fed. LT Capital Gains Tax @ 15.00%
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
445
2,704
5,008
State Capital Gains Tax @ 6.85%
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
203
1,235
2,287
Total Est. Deferred Tax Liab.*
N/A
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
648
3,939
7,295
PROCEEDS FROM SALE
Owner occupied residential sales may qualify for the $250,000/$500,000 tax exclusion. Speak to your tax specialist to see if you qualify. This model applies federal and state tax rates to any gain from the sale of real property used as a primary residence net of any qualifying exclusion. However, it is the responsibility of the user to determine their federal tax rates, their state tax rates, their tax exclusion amount and whether they qualify for any exclusion. This model does not consider and adjust for the varying tax circumstances resulting if the property is held for a period less than the time period needed to qualify for long term capital gains tax rates or any exclusion. As an example, if you input "YES" to qualifying for an exclusion and you input a long term capital gains tax of 15%, this model will apply these parameters to all years with out regard to any other consideration, i.e. if you sell in "Year 1" you may not qualify for either long term capital gains tax rates and/or any exclusion.
ANNUAL EXPENSES
This is before mortgage principal included below in statement of cash outflows. In addition the "Income Tax Adjustment " is calculated from your ordinary income tax rate; however your benefit may be less due to other considerations such as no longer being eligible for the standard deduction on the basis that you would be itemizing the above deductions. Speak to you tax specialist.
CASH OUTFLOW
This is what most homeowners are interested in and that is what they expect to pay out on a cash flow basis after any possible tax benefit. Remember that this number contains maintenance as well. So if you do not want to see maintenance than enter zero for annual maintenance expenses.
PROPERTY BASIS
The above "Long Term Capital Gain/Loss" is net of real estate commissions.
DEFERRED TAXES
Remember that deferred taxes may be irrelevant if you qualify for the exclusion. Speak to your tax specialist.

*If you have losses from the sale of the property this model does not consider any tax benefit for deducting capital losses from the sale of the property and will display zero both here under "Gain After Any Exclusion" and above under "Total Estimated Deferred Tax Liability" .

Remember that this is only an estimate and that actual numbers may differ at the time of tax preparation.

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