REAL ESTATE CALCULATORS(More Info)

 
Example Report
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You have selected to run a five year forecast of a non rental property which could be your primary residence. This model / calculator will help you estimate the value of your property over a five year period based on what you perceive to be the annualized future change in real estate values. The tax consequences of selling your non rental property in any of those years and the net proceeds after 1) deducting your first and second mortgages, 2) deducting any possible capital gains taxes and 3) deducting any real estate broker fees, will be determined.

In order to calculate any capital gains taxes you need to determine your cost basis and whether you will qualify for a capital gains tax exclusion. Select the appropriate model from the below drop down menu. In selecting from the drop down menu determine whether you would like to run only a five year forecast of your annual expenses or a five year forecast of your property value as well. Select whether you already own the property or you are consider acquiring the property. You will be prompted to input the required information.

If you would prefer to determine the same results for a rental property or a part rental / part non rental property, then click "5 year forecast" from the above menu. This will take you to a drop down menu where you can select your desired property classification.

Of particular benefit of this analysis is the determination of your net equity in the property after deducting any remaining mortgage balance on your first and second mortgages. Your first and second mortgages will be amortized according to the mortgage information you enter.

 
Try It :

The below example report is the output for a five year forecast for a non rental owner occupied residential property. The result displays possible net proceeds from sale if sold in any of the forward looking five years. Displayed are the annual expenses applicable to real estate taxes, mortgage interest, and maintenance less any tax benefit. The cash out flows further subtracts annual mortgage principal paid to arrive at the annual cash outflows net of any tax benefit. Principal payments are not deducted in annual expenses because it is not considered a true expense but a cash flow item. The capital gain is calculated in the section labeled property basis and then any gain after any applicable exclusion. No taxes are due in this example because the exclusion exceeds the capital gain.

Real Estate Calculators/ Five Year Forecast / Non-Rental Property
 
PROCEEDS FROM SALE
 
Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Value
500,000
525,000
551,250
578,812
607,753
638,141
Mortgage (First)
450,000
444,602
438,863
432,763
426,279
419,386
Mortgage (Second)
0
0
0
0
0
0
Equity
50,000
80,398
112,387
146,049
181,474
218,755
RE Brokers Fees @ 4.00%
N/A
21,000
22,050
23,152
24,310
25,526
Proceeds After Mort.and R.E. Fees
N/A
59,398
90,337
122,897
157,164
193,229
Total Estimated Deferred Tax Liab.*
N/A
0
0
0
0
0
Net Proceeds After Taxes
N/A
59,398
90,337
122,897
157,164
193,229
ANNUAL EXPENSES
 
At Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Real Estate Taxes
N/A
9,000
9,270
9,548
9,834
10,129

Mortgage Interest (First)

N/A
27,413
27,073
26,711
26,327
25,918

Mortgage Interest (Second)

N/A
0
0
0
0
0
Maintenance
N/A
3,000
3,090
3,183
3,278
3,376
Total Costs
N/A
39,413
39,433
39,442
39,439
39,423
Income Tax Adjustment 30.00%
N/A
10,924
10,903
10,878
10,848
10,814
Net Costs After Tax Benefit But
Before Principal Pay Downs
N/A
28,489
28,530
28,564
28,591
28,609
CASH OUTFLOW
 
At Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Net Costs After Tax Benefit But
Before Principal Pay Downs
N/A
28,489
28,530
28,564
28,591
28,609
Mortgage Principal (First)
N/A
5,398
5,738
6,100
6,484
6,893
Mortgage Principal (Second)
N/A
0
0
0
0
0
Cash Outflow
N/A
33,887
34,269
34,664
35,075
35,502
PROPERTY BASIS
 
At Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Value
500,000
525,000
551,250
578,812
607,753
638,141
Less Cost Basis (Purchase Price)
500,000
500,000
500,000
500,000
500,000
500,000
Less Cost Basis (Rehab Costs)
0
0
0
0
0
0
Less R.E. Brokers Fees @ 4.00%
N/A
21,000
22,050
23,152
24,310
25,526
Long Term Capital Gain/Loss
N/A
4,000
29,200
55,660
83,443
112,615
Exclusion
N/A
250,000
250,000
250,000
250,000
250,000
Gains After Any Exclusion*
N/A
0
0
0
0
0
DEFERRED TAXES
 
At Closing
Year 1
Year 2
Year 3
Year 4
Year 5
Gains After Any Exclusion*
N/A
0
0
0
0
0
Fed. LT Capital Gains Tax @ 15.00%
N/A
0
0
0
0
0
State Capital Gains Tax @ 6.85%
N/A
0
0
0
0
0
Total Estimated Deferred Tax Liab.*
N/A
0
0
0
0
0

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