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FIN 3433: Example Rental Proforma Input Data Purchase Price 115,000 Acquisition Costs 1000 Land Value (BCAD) 23870 Going Out Cap Rate 5.50% Selling Expense 6% Depreciation Period 27.5 Initial Depr Basis 92130 Annual Depreciation 3350
Operations Capital Total CF Before Tax IRR = Before Tax NPV = Debt Coverage Ratio Cash on Cash Return
Operations Capital Total CF After Tax IRR = After Tax NPV =
Before Tax Cash Flows by Year 0 1 2 1,876 2,103 -24,000 -24,000 1,876 2,103
After Tax Cash Flows by Year 0 1 2 2,599 2,792 -24,000 -24,000 2,599 2,792
Cash Flow From Operations Gross Rent - Vacancy + Other Income = Effective Gross Income - Operating Expense = Net Operating Income - Mortgage Payment = Before Tax Cash Flow - Taxes = After Tax Cash Flow Income Taxes From Operations End of Year Loan Balance NOI - Interest Paid - Amortized Finance Costs - Depreciation = Taxable Income Taxes Due Cash flow From Resale Estimated Sales Price - Sales Expense = Net Sales Price - Mortgage Payoff = Before Tax Equity Reversion - Taxes on Sale = After Tax Equity Reversion
Gross Monthly Rent Growth Rate in Rent Vacancy Rate Property Taxes Other Operating Exp Growth Rate in Exp Marginal Tax Bracket Depn Recovery Rate Capital Gain Rate
1,150.00 3.0% 10.0% 3,444.00 1380 3.0% 28.0% 25% 15%
Mortgage LTV Term (Years) Rate Points Prepay Penalty (%) Equity Hurdle Rate Mortgage Amount Monthly Pmt Balance 60 Mo Prepay Penalty ($)
3 2,338
4 2,580
5 2,829
2,338
2,580
2,829
3 2,957
4 3,165
5 3,689
2,957
3,165
3,689
6 3,085 66,393 69,479
6 3,085 62,056 65,141
Going In Cap Rate Going Out Cap Rate 5 6 15,532 15,998 (1,553) (1,600) $0 $0 13,979 14,398 (5,429) (5,592) 8,549 8,806 -5,720 -5,720 2,829 3,085 860 0 3,689 3,085
0
1 13,800 (1,380) $0 12,420 (4,824) 7,596 -5,720 1,876 723 2,599
2 14,214 (1,421) $0 12,793 (4,969) 7,824 -5,720 2,103 689 2,792
3 14,640 (1,464) $0 13,176 (5,118) 8,059 -5,720 2,338 619 2,957
4 15,080 (1,508) $0 13,572 (5,271) 8,300 -5,720 2,580 585 3,165
0 92,000
1
2
3
4
5
6
7,596 -4,286 -41 -3,350 -81
7,824 -3,926 -41 -3,350 506
8,059 -3,567 -41 -3,350 1,100
8,300 -3,208 -41 -3,350 1,701
8,549 -2,850 -41 -3,350 2,308
8,806 -2,492 -1176 -3,350 1,788
EOY 5 160,106 9,606 150,500 84,107 66,393 4,337 62,056
Gain on Sale Net Sales Price - Adjusted Basis = Gain on Sale Depn Recovery Capital Gain DepRecTax Cap Gain Tax Total Tax on Sale
150,500 132,751 17,749 16,751 998 4,188 150 4,337
80% 30 4.692% 1.5% 0.0% 8.0% 92,000 -477 84107
6.61% 5.50%
Mortgage Amortization Inputs Loan principal amount Annual interest rate Loan period in years Base year of loan Base month of loan
### 6.000% 30 2008 July
Key Figures Annual loan payments Monthly payments Interest in first calendar year Interest over term of loan Sum of all payments
Payments in First 12 Months Beginnin Year Month g Payment Principal Interest Balance Jul ### $899.33 $149.33 $750.00 Aug ### $899.33 $150.08 $749.25 Sep ### $899.33 $150.83 $748.50 Oct ### $899.33 $151.58 $747.75 Nov ### $899.33 $152.34 $746.99 Dec ### $899.33 $153.10 $746.23 ### Jan ### $899.33 $153.87 $745.46 Feb ### $899.33 $154.64 $744.69 Mar ### $899.33 $155.41 $743.92 Apr ### $899.33 $156.19 $743.14 May ### $899.33 $156.97 $742.36 Jun ### $899.33 $157.75 $741.58 Yearly Schedule of Balances and Payments Year ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
Cumulati ve Principal $149.33 $299.41 $450.24 $601.82 $754.16 $907.26 $1,061.13 $1,215.77 $1,371.18 $1,527.37 $1,684.34 $1,842.09
Cumulati ve Interest $750.00 $1,499.25 $2,247.75 $2,995.50 $3,742.49 $4,488.72 $5,234.18 $5,978.87 $6,722.79 $7,465.93 $8,208.29 $8,949.87
Cumulati Cumulati Beginning Ending Payment Principal Interest ve ve Balance Balance Principal Interest ### ### $1,897.25 $8,894.71 $2,804.51 ### ### ### ### $2,015.05 $8,776.91 $4,819.56 ### ### ### ### $2,139.33 $8,652.63 $6,958.89 ### ### ### ### $2,271.28 $8,520.68 $9,230.17 ### ### ### ### $2,411.37 $8,380.59 ### ### ### ### ### $2,560.09 $8,231.87 ### ### ### ### ### $2,717.99 $8,073.97 ### ### ### ### ### $2,885.63 $7,906.33 ### ### ### ### ### $3,063.61 $7,728.35 ### ### ### ### ### $3,252.57 $7,539.39 ### ### ### ### ### $3,453.18 $7,338.78 ### ### ### ### ### $3,666.17 $7,125.79 ### ### ### ### ### $3,892.29 $6,899.67 ### ### ### ### ### $4,132.36 $6,659.60 ### ### ### ### ### $4,387.23 $6,404.73 ### ### ### ### ### $4,657.83 $6,134.13 ### ### ### $99,689.50 ### $4,945.11 $5,846.85 ### ### ### $94,744.39 ### $5,250.11 $5,541.85 ### ### ### $89,494.28 ### $5,573.93 $5,218.03 ### ### ### $83,920.35 ### $5,917.72 $4,874.24 ### ### ### $78,002.63 ### $6,282.71 $4,509.25 ### ### ### $71,719.92 ### $6,670.21 $4,121.75 ### ### ### $65,049.71 ### $7,081.62 $3,710.34 ### ### ### $57,968.09 ### $7,518.40 $3,273.56 ### ### ### $50,449.69 ### $7,982.11 $2,809.85 ### ### ### $42,467.58 ### $8,474.43 $2,317.53 ### ### ### $33,993.15 ### $8,997.12 $1,794.84 ### ### ### $24,996.03 ### $9,552.04 $1,239.92 ### ### ### $15,443.99 ### ### $650.77 ### ### $5,302.80 $5,302.80 $5,395.98 $5,302.80 $93.18 ### ### $0.00
$10,791.96 $899.33 $4,488.72 $173,758.80 $323,758.80
Ending Balance $149,850.67 $149,700.59 $149,549.76 $149,398.18 $149,245.84 $149,092.74 $148,938.87 $148,784.23 $148,628.82 $148,472.63 $148,315.66 $148,157.91
Loan Amortization Schedule Enter values Loan amount 150,000.00 Annual interest rate 6.00 % Loan period in years 30 Number of payments per year 12 Start date of loan 12/1/2009 Optional extra payments -
Scheduled payment Scheduled number of payments Actual number of payments Total early payments Total interest
Loan summary #NAME? #NAME? #NAME? #NAME? #NAME?
Lender name:
P mt. No . ### ### 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 ### 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 ### 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 ### 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 ### 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 ### 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 ### 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439
P aym ent Date #NAME? 2/1/2010 3/1/2010 4/1/2010 5/1/2010 6/1/2010 7/1/2010 8/1/2010 9/1/2010 10/1/2010 11/1/2010 12/1/2010 1/1/2011 2/1/2011 3/1/2011 4/1/2011 5/1/2011 6/1/2011 7/1/2011 8/1/2011 9/1/2011 10/1/2011 11/1/2011 12/1/2011 1/1/2012 2/1/2012 3/1/2012 4/1/2012 5/1/2012 6/1/2012 7/1/2012 8/1/2012 9/1/2012 10/1/2012 11/1/2012 12/1/2012 1/1/2013 2/1/2013 3/1/2013 4/1/2013 5/1/2013 6/1/2013 7/1/2013 8/1/2013 9/1/2013 10/1/2013 11/1/2013 12/1/2013 1/1/2014 2/1/2014 3/1/2014 4/1/2014 5/1/2014 6/1/2014 7/1/2014 8/1/2014 9/1/2014 10/1/2014 11/1/2014 12/1/2014 1/1/2015 2/1/2015 3/1/2015 4/1/2015 5/1/2015 6/1/2015 7/1/2015 8/1/2015 9/1/2015 10/1/2015 11/1/2015 12/1/2015 1/1/2016 2/1/2016 3/1/2016 4/1/2016 5/1/2016 6/1/2016 7/1/2016 8/1/2016 9/1/2016 10/1/2016 11/1/2016 12/1/2016 1/1/2017 2/1/2017 3/1/2017 4/1/2017 5/1/2017 6/1/2017 7/1/2017 8/1/2017 9/1/2017 10/1/2017 11/1/2017 12/1/2017 1/1/2018 2/1/2018 3/1/2018 4/1/2018 5/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2018 11/1/2018 12/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 10/1/2019 11/1/2019 12/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2020 11/1/2020 12/1/2020 1/1/2021 2/1/2021 3/1/2021 4/1/2021 5/1/2021 6/1/2021 7/1/2021 8/1/2021 9/1/2021 10/1/2021 11/1/2021 12/1/2021 1/1/2022 2/1/2022 3/1/2022 4/1/2022 5/1/2022 6/1/2022 7/1/2022 8/1/2022 9/1/2022 10/1/2022 11/1/2022 12/1/2022 1/1/2023 2/1/2023 3/1/2023 4/1/2023 5/1/2023 6/1/2023 7/1/2023 8/1/2023 9/1/2023 10/1/2023 11/1/2023 12/1/2023 1/1/2024 2/1/2024 3/1/2024 4/1/2024 5/1/2024 6/1/2024 7/1/2024 8/1/2024 9/1/2024 10/1/2024 11/1/2024 12/1/2024 1/1/2025 2/1/2025 3/1/2025 4/1/2025 5/1/2025 6/1/2025 7/1/2025 8/1/2025 9/1/2025 10/1/2025 11/1/2025 12/1/2025 1/1/2026 2/1/2026 3/1/2026 4/1/2026 5/1/2026 6/1/2026 7/1/2026 8/1/2026 9/1/2026 10/1/2026 11/1/2026 12/1/2026 1/1/2027 2/1/2027 3/1/2027 4/1/2027 5/1/2027 6/1/2027 7/1/2027 8/1/2027 9/1/2027 10/1/2027 11/1/2027 12/1/2027 1/1/2028 2/1/2028 3/1/2028 4/1/2028 5/1/2028 6/1/2028 7/1/2028 8/1/2028 9/1/2028 10/1/2028 11/1/2028 12/1/2028 1/1/2029 2/1/2029 3/1/2029 4/1/2029 5/1/2029 6/1/2029 7/1/2029 8/1/2029 9/1/2029 10/1/2029 11/1/2029 12/1/2029 1/1/2030 2/1/2030 3/1/2030 4/1/2030 5/1/2030 6/1/2030 7/1/2030 8/1/2030 9/1/2030 10/1/2030 11/1/2030 12/1/2030 1/1/2031 2/1/2031 3/1/2031 4/1/2031 5/1/2031 6/1/2031 7/1/2031 8/1/2031 9/1/2031 10/1/2031 11/1/2031 12/1/2031 1/1/2032 2/1/2032 3/1/2032 4/1/2032 5/1/2032 6/1/2032 7/1/2032 8/1/2032 9/1/2032 10/1/2032 11/1/2032 12/1/2032 1/1/2033 2/1/2033 3/1/2033 4/1/2033 5/1/2033 6/1/2033 7/1/2033 8/1/2033 9/1/2033 10/1/2033 11/1/2033 12/1/2033 1/1/2034 2/1/2034 3/1/2034 4/1/2034 5/1/2034 6/1/2034 7/1/2034 8/1/2034 9/1/2034 10/1/2034 11/1/2034 12/1/2034 1/1/2035 2/1/2035 3/1/2035 4/1/2035 5/1/2035 6/1/2035 7/1/2035 8/1/2035 9/1/2035 10/1/2035 11/1/2035 12/1/2035 1/1/2036 2/1/2036 3/1/2036 4/1/2036 5/1/2036 6/1/2036 7/1/2036 8/1/2036 9/1/2036 10/1/2036 11/1/2036 12/1/2036 1/1/2037 2/1/2037 3/1/2037 4/1/2037 5/1/2037 6/1/2037 7/1/2037 8/1/2037 9/1/2037 10/1/2037 11/1/2037 12/1/2037 1/1/2038 2/1/2038 3/1/2038 4/1/2038 5/1/2038 6/1/2038 7/1/2038 8/1/2038 9/1/2038 10/1/2038 11/1/2038 12/1/2038 1/1/2039 2/1/2039 3/1/2039 4/1/2039 5/1/2039 6/1/2039 7/1/2039 8/1/2039 9/1/2039 10/1/2039 11/1/2039 12/1/2039 1/1/2040 2/1/2040 3/1/2040 4/1/2040 5/1/2040 6/1/2040 7/1/2040 8/1/2040 9/1/2040 10/1/2040 11/1/2040 12/1/2040 1/1/2041 2/1/2041 3/1/2041 4/1/2041 5/1/2041 6/1/2041 7/1/2041 8/1/2041 9/1/2041 10/1/2041 11/1/2041 12/1/2041 1/1/2042 2/1/2042 3/1/2042 4/1/2042 5/1/2042 6/1/2042 7/1/2042 8/1/2042 9/1/2042 10/1/2042 11/1/2042 12/1/2042 1/1/2043 2/1/2043 3/1/2043 4/1/2043 5/1/2043 6/1/2043 7/1/2043 8/1/2043 9/1/2043 10/1/2043 11/1/2043 12/1/2043 1/1/2044 2/1/2044 3/1/2044 4/1/2044 5/1/2044 6/1/2044 7/1/2044 8/1/2044 9/1/2044 10/1/2044 11/1/2044 12/1/2044 1/1/2045 2/1/2045 3/1/2045 4/1/2045 5/1/2045 6/1/2045 7/1/2045 8/1/2045 9/1/2045 10/1/2045 11/1/2045 12/1/2045 1/1/2046 2/1/2046 3/1/2046 4/1/2046 5/1/2046 6/1/2046 7/1/2046
Begin ning Balance #NAME? #NAME? 149,700.60 149,549.78 149,398.20 149,245.87 149,092.77 148,938.91 148,784.28 148,628.87 148,472.69 148,315.73 148,157.98 147,999.45 147,840.12 147,679.99 147,519.07 147,357.34 147,194.80 147,031.45 146,867.28 146,702.29 146,536.47 146,369.83 146,202.35 146,034.04 145,864.88 145,694.88 145,524.03 145,352.33 145,179.76 145,006.33 144,832.04 144,656.87 144,480.83 144,303.91 144,126.11 143,947.41 143,767.82 143,587.33 143,405.95 143,223.65 143,040.44 142,856.32 142,671.27 142,485.30 142,298.41 142,110.57 141,921.80 141,732.08 141,541.42 141,349.80 141,157.22 140,963.68 140,769.17 140,573.69 140,377.24 140,179.80 139,981.37 139,781.95 139,581.54 139,380.12 139,177.69 138,974.25 138,769.80 #NAME? 138,357.82 138,150.28 137,941.71 137,732.09 137,521.43 137,309.71 137,096.93 136,883.09 136,668.18 136,452.19 136,235.13 136,016.98 135,797.74 135,577.40 135,355.96 135,133.42 134,909.76 134,684.98 134,459.08 134,232.05 134,003.88 133,774.58 133,544.12 133,312.52 133,079.76 132,845.83 132,610.73 132,374.46 132,137.01 131,898.37 131,658.53 131,417.50 131,175.26 130,931.81 130,687.14 130,441.25 130,194.13 129,945.78 129,696.18 129,445.34 129,193.24 128,939.88 128,685.25 128,429.35 128,172.17 127,913.71 127,653.95 127,392.90 127,130.53 126,866.86 126,601.87 126,335.55 126,067.90 125,798.92 125,528.59 125,256.90 124,983.86 124,709.46 124,433.68 124,156.52 123,877.98 123,598.04 123,316.71 #NAME? 122,749.81 122,464.23 122,177.23 121,888.79 121,598.91 121,307.57 121,014.79 120,720.53 120,424.81 120,127.61 119,828.92 119,528.74 119,227.06 118,923.87 118,619.16 118,312.93 118,005.17 117,695.87 117,385.02 117,072.62 116,758.66 116,443.13 116,126.02 115,807.32 115,487.03 115,165.14 114,841.64 114,516.52 114,189.78 113,861.40 113,531.39 113,199.72 112,866.39 112,531.40 112,194.73 111,856.38 111,516.33 111,174.59 110,831.13 110,485.96 110,139.07 109,790.44 109,440.06 109,087.94 108,734.05 108,378.40 108,020.96 107,661.74 107,300.73 106,937.90 106,573.27 106,206.81 105,838.52 105,468.38 105,096.40 104,722.55 104,346.84 103,969.25 103,589.77 103,208.39 102,825.11 102,439.91 102,052.78 #NAME? 101,272.71 100,879.75 100,484.82 100,087.92 99,689.04 99,288.16 98,885.27 98,480.37 98,073.45 97,664.49 97,253.49 96,840.43 96,425.30 96,008.10 95,588.82 95,167.44 94,743.95 94,318.34 93,890.61 93,460.74 93,028.71 92,594.53 92,158.18 91,719.64 91,278.92 90,835.99 90,390.84 89,943.47 89,493.86 89,042.00 88,587.89 88,131.50 87,672.83 87,211.87 86,748.60 86,283.02 85,815.11 85,344.86 84,872.26 84,397.29 83,919.96 83,440.23 82,958.10 82,473.57 81,986.61 81,497.22 81,005.38 80,511.08 80,014.31 79,515.06 79,013.31 78,509.05 78,002.27 77,492.95 76,981.09 76,466.67 75,949.68 75,430.10 74,907.92 74,383.14 73,855.73 73,325.68 72,792.98 #NAME? 71,719.59 71,178.86 70,635.43 70,089.28 69,540.40 68,988.77 68,434.39 67,877.24 67,317.30 66,754.56 66,189.01 65,620.63 65,049.40 64,475.32 63,898.38 63,318.54 62,735.81 62,150.16 61,561.59 60,970.07 60,375.59 59,778.15 59,177.71 58,574.27 57,967.82 57,358.33 56,745.80 56,130.20 55,511.53 54,889.76 54,264.88 53,636.88 53,005.74 52,371.44 51,733.97 51,093.32 50,449.46 49,802.38 49,152.06 48,498.50 47,841.67 47,181.55 46,518.13 45,851.40 45,181.33 44,507.91 43,831.12 43,150.95 42,467.38 41,780.39 41,089.97 40,396.09 39,698.75 38,997.91 38,293.58 37,585.72 36,874.32 36,159.37 35,440.84 34,718.72 33,992.99 33,263.62 32,530.62 #NAME? 31,053.59 30,309.53 29,561.75 28,810.24 28,054.96 27,295.91 26,533.06 25,766.40 24,995.91 24,221.56 23,443.35 22,661.24 21,875.22 21,085.27 20,291.37 19,493.50 18,691.64 17,885.77 17,075.88 16,261.93 15,443.91 14,621.81 13,795.59 12,965.24 12,130.74 11,292.07 10,449.21 9,602.13 8,750.81 7,895.24 7,035.39 6,171.24 5,302.77 4,429.96 3,552.78 2,671.22 1,785.25 894.85 #NAME? -
Schedu led Payment #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33
Extra P ayment #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? -
To tal Paym ent #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 894.85 #NAME? -
Principal #NAME? 150.07 150.82 151.58 152.33 153.10 153.86 154.63 155.40 156.18 156.96 157.75 158.54 159.33 160.13 160.93 161.73 162.54 163.35 164.17 164.99 165.81 166.64 167.48 168.31 169.16 170.00 170.85 171.71 172.56 173.43 174.29 175.17 176.04 176.92 177.81 178.70 179.59 180.49 181.39 182.30 183.21 184.12 185.04 185.97 186.90 187.83 188.77 189.72 190.67 191.62 192.58 193.54 194.51 195.48 196.46 197.44 198.43 199.42 200.42 201.42 202.43 203.44 204.45 #NAME? 206.50 207.54 208.57 209.62 210.67 211.72 212.78 213.84 214.91 215.98 217.06 218.15 219.24 220.34 221.44 222.55 223.66 224.78 225.90 227.03 228.17 229.31 230.45 231.61 232.76 233.93 235.10 236.27 237.45 238.64 239.83 241.03 242.24 243.45 244.67 245.89 247.12 248.36 249.60 250.84 252.10 253.36 254.63 255.90 257.18 258.46 259.76 261.06 262.36 263.67 264.99 266.32 267.65 268.99 270.33 271.68 273.04 274.41 275.78 277.16 278.54 279.94 281.34 #NAME? 284.16 285.58 287.00 288.44 289.88 291.33 292.79 294.25 295.72 297.20 298.69 300.18 301.68 303.19 304.71 306.23 307.76 309.30 310.85 312.40 313.96 315.53 317.11 318.70 320.29 321.89 323.50 325.12 326.74 328.38 330.02 331.67 333.33 334.99 336.67 338.35 340.04 341.74 343.45 345.17 346.90 348.63 350.37 352.13 353.89 355.66 357.43 359.22 361.02 362.82 364.64 366.46 368.29 370.13 371.98 373.84 375.71 377.59 379.48 381.38 383.28 385.20 387.13 #NAME? 391.01 392.96 394.93 396.90 398.89 400.88 402.89 404.90 406.92 408.96 411.00 413.06 415.12 417.20 419.29 421.38 423.49 425.61 427.73 429.87 432.02 434.18 436.35 438.53 440.73 442.93 445.15 447.37 449.61 451.86 454.12 456.39 458.67 460.96 463.27 465.58 467.91 470.25 472.60 474.96 477.34 479.73 482.12 484.54 486.96 489.39 491.84 494.30 496.77 499.25 501.75 504.26 506.78 509.31 511.86 514.42 516.99 519.58 522.18 524.79 527.41 530.05 532.70 #NAME? 538.04 540.73 543.43 546.15 548.88 551.62 554.38 557.15 559.94 562.74 565.55 568.38 571.22 574.08 576.95 579.83 582.73 585.65 588.57 591.52 594.48 597.45 600.44 603.44 606.45 609.49 612.53 615.60 618.67 621.77 624.88 628.00 631.14 634.30 637.47 640.66 643.86 647.08 650.31 653.57 656.83 660.12 663.42 666.74 670.07 673.42 676.79 680.17 683.57 686.99 690.42 693.88 697.35 700.83 704.34 707.86 711.40 714.95 718.53 722.12 725.73 729.36 733.01 #NAME? 740.36 744.06 747.78 751.52 755.27 759.05 762.85 766.66 770.49 774.35 778.22 782.11 786.02 789.95 793.90 797.87 801.86 805.87 809.90 813.95 818.02 822.11 826.22 830.35 834.50 838.67 842.87 847.08 851.32 855.57 859.85 864.15 868.47 872.81 877.18 881.56 885.97 890.40 890.38 #NAME? -
Interest #NAME? #NAME? 748.50 747.75 746.99 746.23 745.46 744.69 743.92 743.14 742.36 741.58 740.79 740.00 739.20 738.40 737.60 736.79 735.97 735.16 734.34 733.51 732.68 731.85 731.01 730.17 729.32 728.47 727.62 726.76 725.90 725.03 724.16 723.28 722.40 721.52 720.63 719.74 718.84 717.94 717.03 716.12 715.20 714.28 713.36 712.43 711.49 710.55 709.61 708.66 707.71 706.75 705.79 704.82 703.85 702.87 701.89 700.90 699.91 698.91 697.91 696.90 695.89 694.87 693.85 #NAME? 691.79 690.75 689.71 688.66 687.61 686.55 685.48 684.42 683.34 682.26 681.18 680.08 678.99 677.89 676.78 675.67 674.55 673.42 672.30 671.16 670.02 668.87 667.72 666.56 665.40 664.23 663.05 661.87 660.69 659.49 658.29 657.09 655.88 654.66 653.44 652.21 650.97 649.73 648.48 647.23 645.97 644.70 643.43 642.15 640.86 639.57 638.27 636.96 635.65 634.33 633.01 631.68 630.34 628.99 627.64 626.28 624.92 623.55 622.17 620.78 619.39 617.99 616.58 #NAME? 613.75 612.32 610.89 609.44 607.99 606.54 605.07 603.60 602.12 600.64 599.14 597.64 596.14 594.62 593.10 591.56 590.03 588.48 586.93 585.36 583.79 582.22 580.63 579.04 577.44 575.83 574.21 572.58 570.95 569.31 567.66 566.00 564.33 562.66 560.97 559.28 557.58 555.87 554.16 552.43 550.70 548.95 547.20 545.44 543.67 541.89 540.10 538.31 536.50 534.69 532.87 531.03 529.19 527.34 525.48 523.61 521.73 519.85 517.95 516.04 514.13 512.20 510.26 #NAME? 506.36 504.40 502.42 500.44 498.45 496.44 494.43 492.40 490.37 488.32 486.27 484.20 482.13 480.04 477.94 475.84 473.72 471.59 469.45 467.30 465.14 462.97 460.79 458.60 456.39 454.18 451.95 449.72 447.47 445.21 442.94 440.66 438.36 436.06 433.74 431.42 429.08 426.72 424.36 421.99 419.60 417.20 414.79 412.37 409.93 407.49 405.03 402.56 400.07 397.58 395.07 392.55 390.01 387.46 384.91 382.33 379.75 377.15 374.54 371.92 369.28 366.63 363.96 #NAME? 358.60 355.89 353.18 350.45 347.70 344.94 342.17 339.39 336.59 333.77 330.95 328.10 325.25 322.38 319.49 316.59 313.68 310.75 307.81 304.85 301.88 298.89 295.89 292.87 289.84 286.79 283.73 280.65 277.56 274.45 271.32 268.18 265.03 261.86 258.67 255.47 252.25 249.01 245.76 242.49 239.21 235.91 232.59 229.26 225.91 222.54 219.16 215.75 212.34 208.90 205.45 201.98 198.49 194.99 191.47 187.93 184.37 180.80 177.20 173.59 169.96 166.32 162.65 #NAME? 155.27 151.55 147.81 144.05 140.27 136.48 132.67 128.83 124.98 121.11 117.22 113.31 109.38 105.43 101.46 97.47 93.46 89.43 85.38 81.31 77.22 73.11 68.98 64.83 60.65 56.46 52.25 48.01 43.75 39.48 35.18 30.86 26.51 22.15 17.76 13.36 8.93 4.47 #NAME? -
Ending Balance #NAME? 149,700.60 149,549.78 149,398.20 149,245.87 149,092.77 148,938.91 148,784.28 148,628.87 148,472.69 148,315.73 148,157.98 147,999.45 147,840.12 147,679.99 147,519.07 147,357.34 147,194.80 147,031.45 146,867.28 146,702.29 146,536.47 146,369.83 146,202.35 146,034.04 145,864.88 145,694.88 145,524.03 145,352.33 145,179.76 145,006.33 144,832.04 144,656.87 144,480.83 144,303.91 144,126.11 143,947.41 143,767.82 143,587.33 143,405.95 143,223.65 143,040.44 142,856.32 142,671.27 142,485.30 142,298.41 142,110.57 141,921.80 141,732.08 141,541.42 141,349.80 141,157.22 140,963.68 140,769.17 140,573.69 140,377.24 140,179.80 139,981.37 139,781.95 139,581.54 139,380.12 139,177.69 138,974.25 138,769.80 #NAME? 138,357.82 138,150.28 137,941.71 137,732.09 137,521.43 137,309.71 137,096.93 136,883.09 136,668.18 136,452.19 136,235.13 136,016.98 135,797.74 135,577.40 135,355.96 135,133.42 134,909.76 134,684.98 134,459.08 134,232.05 134,003.88 133,774.58 133,544.12 133,312.52 133,079.76 132,845.83 132,610.73 132,374.46 132,137.01 131,898.37 131,658.53 131,417.50 131,175.26 130,931.81 130,687.14 130,441.25 130,194.13 129,945.78 129,696.18 129,445.34 129,193.24 128,939.88 128,685.25 128,429.35 128,172.17 127,913.71 127,653.95 127,392.90 127,130.53 126,866.86 126,601.87 126,335.55 126,067.90 125,798.92 125,528.59 125,256.90 124,983.86 124,709.46 124,433.68 124,156.52 123,877.98 123,598.04 123,316.71 #NAME? 122,749.81 122,464.23 122,177.23 121,888.79 121,598.91 121,307.57 121,014.79 120,720.53 120,424.81 120,127.61 119,828.92 119,528.74 119,227.06 118,923.87 118,619.16 118,312.93 118,005.17 117,695.87 117,385.02 117,072.62 116,758.66 116,443.13 116,126.02 115,807.32 115,487.03 115,165.14 114,841.64 114,516.52 114,189.78 113,861.40 113,531.39 113,199.72 112,866.39 112,531.40 112,194.73 111,856.38 111,516.33 111,174.59 110,831.13 110,485.96 110,139.07 109,790.44 109,440.06 109,087.94 108,734.05 108,378.40 108,020.96 107,661.74 107,300.73 106,937.90 106,573.27 106,206.81 105,838.52 105,468.38 105,096.40 104,722.55 104,346.84 103,969.25 103,589.77 103,208.39 102,825.11 102,439.91 102,052.78 #NAME? 101,272.71 100,879.75 100,484.82 100,087.92 99,689.04 99,288.16 98,885.27 98,480.37 98,073.45 97,664.49 97,253.49 96,840.43 96,425.30 96,008.10 95,588.82 95,167.44 94,743.95 94,318.34 93,890.61 93,460.74 93,028.71 92,594.53 92,158.18 91,719.64 91,278.92 90,835.99 90,390.84 89,943.47 89,493.86 89,042.00 88,587.89 88,131.50 87,672.83 87,211.87 86,748.60 86,283.02 85,815.11 85,344.86 84,872.26 84,397.29 83,919.96 83,440.23 82,958.10 82,473.57 81,986.61 81,497.22 81,005.38 80,511.08 80,014.31 79,515.06 79,013.31 78,509.05 78,002.27 77,492.95 76,981.09 76,466.67 75,949.68 75,430.10 74,907.92 74,383.14 73,855.73 73,325.68 72,792.98 #NAME? 71,719.59 71,178.86 70,635.43 70,089.28 69,540.40 68,988.77 68,434.39 67,877.24 67,317.30 66,754.56 66,189.01 65,620.63 65,049.40 64,475.32 63,898.38 63,318.54 62,735.81 62,150.16 61,561.59 60,970.07 60,375.59 59,778.15 59,177.71 58,574.27 57,967.82 57,358.33 56,745.80 56,130.20 55,511.53 54,889.76 54,264.88 53,636.88 53,005.74 52,371.44 51,733.97 51,093.32 50,449.46 49,802.38 49,152.06 48,498.50 47,841.67 47,181.55 46,518.13 45,851.40 45,181.33 44,507.91 43,831.12 43,150.95 42,467.38 41,780.39 41,089.97 40,396.09 39,698.75 38,997.91 38,293.58 37,585.72 36,874.32 36,159.37 35,440.84 34,718.72 33,992.99 33,263.62 32,530.62 #NAME? 31,053.59 30,309.53 29,561.75 28,810.24 28,054.96 27,295.91 26,533.06 25,766.40 24,995.91 24,221.56 23,443.35 22,661.24 21,875.22 21,085.27 20,291.37 19,493.50 18,691.64 17,885.77 17,075.88 16,261.93 15,443.91 14,621.81 13,795.59 12,965.24 12,130.74 11,292.07 10,449.21 9,602.13 8,750.81 7,895.24 7,035.39 6,171.24 5,302.77 4,429.96 3,552.78 2,671.22 1,785.25 894.85 #NAME? -
C umu lative In terest #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
P mt. No . 440 441 442 443 444 445 446 447 448 449 ### 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480
P aym ent Date 8/1/2046 9/1/2046 10/1/2046 11/1/2046 12/1/2046 1/1/2047 2/1/2047 3/1/2047 4/1/2047 5/1/2047 6/1/2047 7/1/2047 8/1/2047 9/1/2047 10/1/2047 11/1/2047 12/1/2047 1/1/2048 2/1/2048 3/1/2048 4/1/2048 5/1/2048 6/1/2048 7/1/2048 8/1/2048 9/1/2048 10/1/2048 11/1/2048 12/1/2048 1/1/2049 2/1/2049 3/1/2049 4/1/2049 5/1/2049 6/1/2049 7/1/2049 8/1/2049 9/1/2049 10/1/2049 11/1/2049 12/1/2049
Begin ning Balance #NAME? -
Schedu led Payment 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33
Extra P ayment #NAME? -
To tal Paym ent #NAME? -
Principal #NAME? -
Interest #NAME? -
Ending Balance #NAME? -
C umu lative In terest #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
_Example FALSE _Shading FALSE _Series OfficeReady 3.0 _Look 1
CAP RATE AND GIM SALES ### Cap Rate 0.00% CAP RATE Value #DIV/0! NOI GIM 8.33 EGI 144000
Reconstructed Operating Statement
+ = =
PGI VC MI EGI OE CAPX NOI
Potential Gross Income 180000 Vacancy and Collection Losses 18000 Miscellaneous Income (or reimbursements) 0 Effective Gross Income 162000 Operating Expenses 64800 Capital Expenditures 8100 Net Operating Income 89100
Bexar County City of San Antonio
2009 2009
APPRAIASED VALUE
###
Entity Description Tax RateAppraised Value Taxable Value Estimated Tax 6 BEXAR CO RD & FLOOD ### $100,000 $100,000.00 $37.47 8 SA RIVER AUTH ### $100,000 $100,000.00 $15.95 9 ALAMO COM COLLEGE 10 UNIV HEALTH SYSTEM 11 BEXAR COUNTY 21 CITY OF SAN ANTONIO 55 NORTH EAST ISD
### ### ### ### ###
$100,000 $100,000 $100,000 $100,000 $100,000
CAD BEXAR APPRAISAL DISTRICT### Total Tax Rate: ###
$100,000 $100,000
$100,000.00 $100,000.00 $100,000.00 $100,000.00 $85,000.00
$135.86 $261.02 $289.40 $567.14 $1,192.47
$100,000.00 $0.00 $100,000.00 $2,709.73 Taxes w/Current Exemptions: $2,499.30 Taxes w/o Exemptions: $2,709.73
In order to receive the homestead exemption from the school district, the property must be designated as your homestead for tax purposes (this is different from the constitutional and statutory homestead protection) If the investment property will not be designated as your homestead, then use the "Taxes w/o Exemptions amount". Note, that this model has only taken into account a decreased in assessed value for the homestead exemption allowed for school taxes.
This assumes an investment over $100,000. For any sales price less than $100,000, see the Texas Title Manual For Policies Between 100,001 - 1,000,000 Sales Price $120,000 Title Premium $949.80 BE SURE TO ROUND UP OR DOWN!!!
Present Value ### This is also called the deposit Interest 5.00% Year Amount Interest Ending Amount 0 ### $0.00 -$10,000.00 1 ### ### $10,500.00 2 ### ### $11,025.00 3 ### ### $11,576.25 4 ### ### $12,155.06 5 ### ### $12,762.82 6 ### ### $13,400.96 7 ### ### $14,071.00 8 ### ### $14,774.55 9 ### ### $15,513.28 10 ### ### $16,288.95 Future Value
CALCULATOR FUNCTIONS N I PV PMT FV
Amount 100 Interest 10.00% 161.05
### This is also called the ending amount
When determining how much I needed to begin investment on the day my daughter was born to cover her future tuition payments, the financial advisor (that I used at the time) ran a model stating I would need to invest $250 per month for 216 months to obtain my expected future value. Note: The text suggests rounding the numbers to the nearest whole number. I have left the decimals in my examples and have chosen to round up to the nearest whole number. This is something that can be easily changed in Excel by formatting the cells to display whole numbers only.
RATE NPER PMT PV FV
I N PMT PV FV
0.05 5 100 0 $504.18
ANNUAL ANNUITY Present Value $100.00 This is also called the deposit Payments $0.00 Annually Interest 10.00% Year Beginning Amount Deposit InterestEnding Amount 0 -$100.00 $0.00 $0.00 $100.00 1 $100.00 $0.00 $0.00 $100.00 2 $100.00 $0.00 $10.00 $110.00 3 $110.00 $0.00 $11.00 $121.00 4 $121.00 $0.00 $12.10 $133.10 5 $133.10 $0.00 $13.31 $146.41 6 $146.41 $0.00 $14.64 $161.05 7 $161.05 $0.00 $16.11 $177.16 8 $177.16 $0.00 $17.72 $194.87 9 $194.87 $0.00 $19.49 $214.36 10 $214.36 $10.00 $21.44 $245.79 Future Value
$245.79
This is also called the ending amount
MONTHLY ANNUITY Present Value $0.00 This is also called the deposit Payments $166.67 Monthly Interest 5.00% 0.42% Month Beginning Amount Deposit Interest Ending Amount 0 $0.00 $0.00 $0.00 $0.00 1 $0.00 ### $0.00 $166.67 2 $166.67 ### $0.69 $334.03 3 $334.03 ### $1.39 $502.10 4 $502.10 ### $2.09 $670.86 5 $670.86 ### $2.80 $840.32 6 $840.32 ### $3.50 $1,010.49 7 $1,010.49 ### $4.21 $1,181.38 8 $1,181.38 ### $4.92 $1,352.97 9 $1,352.97 ### $5.64 $1,525.28 10 $1,525.28 ### $6.36 $1,698.30 11 $1,698.30 ### $7.08 $1,872.05 12 $1,872.05 ### $7.80 $2,046.52 13 $2,046.52 ### $8.53 $2,221.71 14 $2,221.71 ### $9.26 $2,397.64 15 $2,397.64 ### $9.99 $2,574.30 16 $2,574.30 ### $10.73 $2,751.70 17 $2,751.70 ### $11.47 $2,929.83 18 $2,929.83 ### $12.21 $3,108.71 19 $3,108.71 ### $12.95 $3,288.33 20 $3,288.33 ### $13.70 $3,468.70 21 $3,468.70 ### $14.45 $3,649.83 22 $3,649.83 ### $15.21 $3,831.71 23 $3,831.71 ### $15.97 $4,014.34 24 $4,014.34 ### $16.73 $4,197.74 25 $4,197.74 ### $17.49 $4,381.90 26 $4,381.90 ### $18.26 $4,566.83 27 $4,566.83 ### $19.03 $4,752.52 28 $4,752.52 ### $19.80 $4,939.00 29 $4,939.00 ### $20.58 $5,126.25 30 $5,126.25 ### $21.36 $5,314.27 31 $5,314.27 ### $22.14 $5,503.09 32 $5,503.09 ### $22.93 $5,692.69 33 $5,692.69 ### $23.72 $5,883.08 34 $5,883.08 ### $24.51 $6,074.26 35 $6,074.26 ### $25.31 $6,266.24 36 $6,266.24 ### $26.11 $6,459.02 37 $6,459.02 ### $26.91 $6,652.60 38 $6,652.60 ### $27.72 $6,846.99 39 $6,846.99 ### $28.53 $7,042.19 40 $7,042.19 ### $29.34 $7,238.20 41 $7,238.20 ### $30.16 $7,435.03 42 $7,435.03 ### $30.98 $7,632.68 43 $7,632.68 ### $31.80 $7,831.15 44 $7,831.15 ### $32.63 $8,030.45 45 $8,030.45 ### $33.46 $8,230.58 46 $8,230.58 ### $34.29 $8,431.55 47 $8,431.55 ### $35.13 $8,633.35 48 $8,633.35 ### $35.97 $8,835.99 49 $8,835.99 ### $36.82 $9,039.48 50 $9,039.48 ### $37.66 $9,243.81 51 $9,243.81 ### $38.52 $9,449.00 52 $9,449.00 ### $39.37 $9,655.04 53 $9,655.04 ### $40.23 $9,861.94 54 $9,861.94 ### $41.09 $10,069.70 55 $10,069.70 ### $41.96 $10,278.33 56 $10,278.33 ### $42.83 $10,487.82 57 $10,487.82 ### $43.70 $10,698.19 58 $10,698.19 ### $44.58 $10,909.44 59 $10,909.44 ### $45.46 $11,121.56 60 $11,121.56 ### $46.34 $11,334.57 Future Value
$11,334.57
This is also called the ending amount
DISCOUNT CASH FLOW ANALYSIS (DCF) Time 10 CF $0.00 Opportunity Cost 10.00% DR PMT 0 FV ### PV 192,772
Time 10
CF ###
DR DCF 2.59 ###
DISCOUNT CASH FLOW ANALYSIS (DCF) Time CF DR DCF 0 0 1 0 1 12,000 1.1 10,909 2 12,000 1.21 9,917 3 12,000 1.33 9,016 4 12,000 1.46 8,196 5 12,000 1.61 7,451 6 12,000 1.77 6,774 7 12,000 1.95 6,158 8 12,000 2.14 5,598 9 12,000 2.36 5,089 10 512,000 2.59 ### ###
Operations Capital Total CF Before Tax IRR = Before Tax NPV = Debt Coverage Ratio Cash on Cash Return
Operations Capital Total CF After Tax IRR = After Tax NPV =
Before Tax Cash Flows by Year 0 1 2 1,876 2,103 -24,000 -24,000 1,876 2,103
After Tax Cash Flows by Year 0 1 2 2,599 2,792 -24,000 -24,000 2,599 2,792
Cash Flow From Operations Gross Rent - Vacancy + Other Income = Effective Gross Income - Operating Expense = Net Operating Income - Mortgage Payment = Before Tax Cash Flow - Taxes = After Tax Cash Flow Income Taxes From Operations End of Year Loan Balance NOI - Interest Paid - Amortized Finance Costs - Depreciation = Taxable Income Taxes Due Cash flow From Resale Estimated Sales Price - Sales Expense = Net Sales Price - Mortgage Payoff = Before Tax Equity Reversion - Taxes on Sale = After Tax Equity Reversion
Gross Monthly Rent Growth Rate in Rent Vacancy Rate Property Taxes Other Operating Exp Growth Rate in Exp Marginal Tax Bracket Depn Recovery Rate Capital Gain Rate
1,150.00 3.0% 10.0% 3,444.00 1380 3.0% 28.0% 25% 15%
Mortgage LTV Term (Years) Rate Points Prepay Penalty (%) Equity Hurdle Rate Mortgage Amount Monthly Pmt Balance 60 Mo Prepay Penalty ($)
3 2,338
4 2,580
5 2,829
2,338
2,580
2,829
3 2,957
4 3,165
5 3,689
2,957
3,165
3,689
6 3,085 66,393 69,479
6 3,085 62,056 65,141
Going In Cap Rate Going Out Cap Rate 5 6 15,532 15,998 (1,553) (1,600) $0 $0 13,979 14,398 (5,429) (5,592) 8,549 8,806 -5,720 -5,720 2,829 3,085 860 0 3,689 3,085
0
1 13,800 (1,380) $0 12,420 (4,824) 7,596 -5,720 1,876 723 2,599
2 14,214 (1,421) $0 12,793 (4,969) 7,824 -5,720 2,103 689 2,792
3 14,640 (1,464) $0 13,176 (5,118) 8,059 -5,720 2,338 619 2,957
4 15,080 (1,508) $0 13,572 (5,271) 8,300 -5,720 2,580 585 3,165
0 92,000
1
2
3
4
5
6
7,596 -4,286 -41 -3,350 -81
7,824 -3,926 -41 -3,350 506
8,059 -3,567 -41 -3,350 1,100
8,300 -3,208 -41 -3,350 1,701
8,549 -2,850 -41 -3,350 2,308
8,806 -2,492 -1176 -3,350 1,788
EOY 5 160,106 9,606 150,500 84,107 66,393 4,337 62,056
Gain on Sale Net Sales Price - Adjusted Basis = Gain on Sale Depn Recovery Capital Gain DepRecTax Cap Gain Tax Total Tax on Sale
150,500 132,751 17,749 16,751 998 4,188 150 4,337
80% 30 4.692% 1.5% 0.0% 8.0% 92,000 -477 84107
6.61% 5.50%
Mortgage Amortization Inputs Loan principal amount Annual interest rate Loan period in years Base year of loan Base month of loan
### 6.000% 30 2008 July
Key Figures Annual loan payments Monthly payments Interest in first calendar year Interest over term of loan Sum of all payments
Payments in First 12 Months Beginnin Year Month g Payment Principal Interest Balance Jul ### $899.33 $149.33 $750.00 Aug ### $899.33 $150.08 $749.25 Sep ### $899.33 $150.83 $748.50 Oct ### $899.33 $151.58 $747.75 Nov ### $899.33 $152.34 $746.99 Dec ### $899.33 $153.10 $746.23 ### Jan ### $899.33 $153.87 $745.46 Feb ### $899.33 $154.64 $744.69 Mar ### $899.33 $155.41 $743.92 Apr ### $899.33 $156.19 $743.14 May ### $899.33 $156.97 $742.36 Jun ### $899.33 $157.75 $741.58 Yearly Schedule of Balances and Payments Year ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###
Cumulati ve Principal $149.33 $299.41 $450.24 $601.82 $754.16 $907.26 $1,061.13 $1,215.77 $1,371.18 $1,527.37 $1,684.34 $1,842.09
Cumulati ve Interest $750.00 $1,499.25 $2,247.75 $2,995.50 $3,742.49 $4,488.72 $5,234.18 $5,978.87 $6,722.79 $7,465.93 $8,208.29 $8,949.87
Cumulati Cumulati Beginning Ending Payment Principal Interest ve ve Balance Balance Principal Interest ### ### $1,897.25 $8,894.71 $2,804.51 ### ### ### ### $2,015.05 $8,776.91 $4,819.56 ### ### ### ### $2,139.33 $8,652.63 $6,958.89 ### ### ### ### $2,271.28 $8,520.68 $9,230.17 ### ### ### ### $2,411.37 $8,380.59 ### ### ### ### ### $2,560.09 $8,231.87 ### ### ### ### ### $2,717.99 $8,073.97 ### ### ### ### ### $2,885.63 $7,906.33 ### ### ### ### ### $3,063.61 $7,728.35 ### ### ### ### ### $3,252.57 $7,539.39 ### ### ### ### ### $3,453.18 $7,338.78 ### ### ### ### ### $3,666.17 $7,125.79 ### ### ### ### ### $3,892.29 $6,899.67 ### ### ### ### ### $4,132.36 $6,659.60 ### ### ### ### ### $4,387.23 $6,404.73 ### ### ### ### ### $4,657.83 $6,134.13 ### ### ### $99,689.50 ### $4,945.11 $5,846.85 ### ### ### $94,744.39 ### $5,250.11 $5,541.85 ### ### ### $89,494.28 ### $5,573.93 $5,218.03 ### ### ### $83,920.35 ### $5,917.72 $4,874.24 ### ### ### $78,002.63 ### $6,282.71 $4,509.25 ### ### ### $71,719.92 ### $6,670.21 $4,121.75 ### ### ### $65,049.71 ### $7,081.62 $3,710.34 ### ### ### $57,968.09 ### $7,518.40 $3,273.56 ### ### ### $50,449.69 ### $7,982.11 $2,809.85 ### ### ### $42,467.58 ### $8,474.43 $2,317.53 ### ### ### $33,993.15 ### $8,997.12 $1,794.84 ### ### ### $24,996.03 ### $9,552.04 $1,239.92 ### ### ### $15,443.99 ### ### $650.77 ### ### $5,302.80 $5,302.80 $5,395.98 $5,302.80 $93.18 ### ### $0.00
$10,791.96 $899.33 $4,488.72 $173,758.80 $323,758.80
Ending Balance $149,850.67 $149,700.59 $149,549.76 $149,398.18 $149,245.84 $149,092.74 $148,938.87 $148,784.23 $148,628.82 $148,472.63 $148,315.66 $148,157.91
Loan Amortization Schedule Enter values Loan amount 150,000.00 Annual interest rate 6.00 % Loan period in years 30 Number of payments per year 12 Start date of loan 12/1/2009 Optional extra payments -
Scheduled payment Scheduled number of payments Actual number of payments Total early payments Total interest
Loan summary #NAME? #NAME? #NAME? #NAME? #NAME?
Lender name:
P mt. No . ### ### 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 ### 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 ### 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 ### 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 ### 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 ### 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 ### 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439
P aym ent Date #NAME? 2/1/2010 3/1/2010 4/1/2010 5/1/2010 6/1/2010 7/1/2010 8/1/2010 9/1/2010 10/1/2010 11/1/2010 12/1/2010 1/1/2011 2/1/2011 3/1/2011 4/1/2011 5/1/2011 6/1/2011 7/1/2011 8/1/2011 9/1/2011 10/1/2011 11/1/2011 12/1/2011 1/1/2012 2/1/2012 3/1/2012 4/1/2012 5/1/2012 6/1/2012 7/1/2012 8/1/2012 9/1/2012 10/1/2012 11/1/2012 12/1/2012 1/1/2013 2/1/2013 3/1/2013 4/1/2013 5/1/2013 6/1/2013 7/1/2013 8/1/2013 9/1/2013 10/1/2013 11/1/2013 12/1/2013 1/1/2014 2/1/2014 3/1/2014 4/1/2014 5/1/2014 6/1/2014 7/1/2014 8/1/2014 9/1/2014 10/1/2014 11/1/2014 12/1/2014 1/1/2015 2/1/2015 3/1/2015 4/1/2015 5/1/2015 6/1/2015 7/1/2015 8/1/2015 9/1/2015 10/1/2015 11/1/2015 12/1/2015 1/1/2016 2/1/2016 3/1/2016 4/1/2016 5/1/2016 6/1/2016 7/1/2016 8/1/2016 9/1/2016 10/1/2016 11/1/2016 12/1/2016 1/1/2017 2/1/2017 3/1/2017 4/1/2017 5/1/2017 6/1/2017 7/1/2017 8/1/2017 9/1/2017 10/1/2017 11/1/2017 12/1/2017 1/1/2018 2/1/2018 3/1/2018 4/1/2018 5/1/2018 6/1/2018 7/1/2018 8/1/2018 9/1/2018 10/1/2018 11/1/2018 12/1/2018 1/1/2019 2/1/2019 3/1/2019 4/1/2019 5/1/2019 6/1/2019 7/1/2019 8/1/2019 9/1/2019 10/1/2019 11/1/2019 12/1/2019 1/1/2020 2/1/2020 3/1/2020 4/1/2020 5/1/2020 6/1/2020 7/1/2020 8/1/2020 9/1/2020 10/1/2020 11/1/2020 12/1/2020 1/1/2021 2/1/2021 3/1/2021 4/1/2021 5/1/2021 6/1/2021 7/1/2021 8/1/2021 9/1/2021 10/1/2021 11/1/2021 12/1/2021 1/1/2022 2/1/2022 3/1/2022 4/1/2022 5/1/2022 6/1/2022 7/1/2022 8/1/2022 9/1/2022 10/1/2022 11/1/2022 12/1/2022 1/1/2023 2/1/2023 3/1/2023 4/1/2023 5/1/2023 6/1/2023 7/1/2023 8/1/2023 9/1/2023 10/1/2023 11/1/2023 12/1/2023 1/1/2024 2/1/2024 3/1/2024 4/1/2024 5/1/2024 6/1/2024 7/1/2024 8/1/2024 9/1/2024 10/1/2024 11/1/2024 12/1/2024 1/1/2025 2/1/2025 3/1/2025 4/1/2025 5/1/2025 6/1/2025 7/1/2025 8/1/2025 9/1/2025 10/1/2025 11/1/2025 12/1/2025 1/1/2026 2/1/2026 3/1/2026 4/1/2026 5/1/2026 6/1/2026 7/1/2026 8/1/2026 9/1/2026 10/1/2026 11/1/2026 12/1/2026 1/1/2027 2/1/2027 3/1/2027 4/1/2027 5/1/2027 6/1/2027 7/1/2027 8/1/2027 9/1/2027 10/1/2027 11/1/2027 12/1/2027 1/1/2028 2/1/2028 3/1/2028 4/1/2028 5/1/2028 6/1/2028 7/1/2028 8/1/2028 9/1/2028 10/1/2028 11/1/2028 12/1/2028 1/1/2029 2/1/2029 3/1/2029 4/1/2029 5/1/2029 6/1/2029 7/1/2029 8/1/2029 9/1/2029 10/1/2029 11/1/2029 12/1/2029 1/1/2030 2/1/2030 3/1/2030 4/1/2030 5/1/2030 6/1/2030 7/1/2030 8/1/2030 9/1/2030 10/1/2030 11/1/2030 12/1/2030 1/1/2031 2/1/2031 3/1/2031 4/1/2031 5/1/2031 6/1/2031 7/1/2031 8/1/2031 9/1/2031 10/1/2031 11/1/2031 12/1/2031 1/1/2032 2/1/2032 3/1/2032 4/1/2032 5/1/2032 6/1/2032 7/1/2032 8/1/2032 9/1/2032 10/1/2032 11/1/2032 12/1/2032 1/1/2033 2/1/2033 3/1/2033 4/1/2033 5/1/2033 6/1/2033 7/1/2033 8/1/2033 9/1/2033 10/1/2033 11/1/2033 12/1/2033 1/1/2034 2/1/2034 3/1/2034 4/1/2034 5/1/2034 6/1/2034 7/1/2034 8/1/2034 9/1/2034 10/1/2034 11/1/2034 12/1/2034 1/1/2035 2/1/2035 3/1/2035 4/1/2035 5/1/2035 6/1/2035 7/1/2035 8/1/2035 9/1/2035 10/1/2035 11/1/2035 12/1/2035 1/1/2036 2/1/2036 3/1/2036 4/1/2036 5/1/2036 6/1/2036 7/1/2036 8/1/2036 9/1/2036 10/1/2036 11/1/2036 12/1/2036 1/1/2037 2/1/2037 3/1/2037 4/1/2037 5/1/2037 6/1/2037 7/1/2037 8/1/2037 9/1/2037 10/1/2037 11/1/2037 12/1/2037 1/1/2038 2/1/2038 3/1/2038 4/1/2038 5/1/2038 6/1/2038 7/1/2038 8/1/2038 9/1/2038 10/1/2038 11/1/2038 12/1/2038 1/1/2039 2/1/2039 3/1/2039 4/1/2039 5/1/2039 6/1/2039 7/1/2039 8/1/2039 9/1/2039 10/1/2039 11/1/2039 12/1/2039 1/1/2040 2/1/2040 3/1/2040 4/1/2040 5/1/2040 6/1/2040 7/1/2040 8/1/2040 9/1/2040 10/1/2040 11/1/2040 12/1/2040 1/1/2041 2/1/2041 3/1/2041 4/1/2041 5/1/2041 6/1/2041 7/1/2041 8/1/2041 9/1/2041 10/1/2041 11/1/2041 12/1/2041 1/1/2042 2/1/2042 3/1/2042 4/1/2042 5/1/2042 6/1/2042 7/1/2042 8/1/2042 9/1/2042 10/1/2042 11/1/2042 12/1/2042 1/1/2043 2/1/2043 3/1/2043 4/1/2043 5/1/2043 6/1/2043 7/1/2043 8/1/2043 9/1/2043 10/1/2043 11/1/2043 12/1/2043 1/1/2044 2/1/2044 3/1/2044 4/1/2044 5/1/2044 6/1/2044 7/1/2044 8/1/2044 9/1/2044 10/1/2044 11/1/2044 12/1/2044 1/1/2045 2/1/2045 3/1/2045 4/1/2045 5/1/2045 6/1/2045 7/1/2045 8/1/2045 9/1/2045 10/1/2045 11/1/2045 12/1/2045 1/1/2046 2/1/2046 3/1/2046 4/1/2046 5/1/2046 6/1/2046 7/1/2046
Begin ning Balance #NAME? #NAME? 149,700.60 149,549.78 149,398.20 149,245.87 149,092.77 148,938.91 148,784.28 148,628.87 148,472.69 148,315.73 148,157.98 147,999.45 147,840.12 147,679.99 147,519.07 147,357.34 147,194.80 147,031.45 146,867.28 146,702.29 146,536.47 146,369.83 146,202.35 146,034.04 145,864.88 145,694.88 145,524.03 145,352.33 145,179.76 145,006.33 144,832.04 144,656.87 144,480.83 144,303.91 144,126.11 143,947.41 143,767.82 143,587.33 143,405.95 143,223.65 143,040.44 142,856.32 142,671.27 142,485.30 142,298.41 142,110.57 141,921.80 141,732.08 141,541.42 141,349.80 141,157.22 140,963.68 140,769.17 140,573.69 140,377.24 140,179.80 139,981.37 139,781.95 139,581.54 139,380.12 139,177.69 138,974.25 138,769.80 #NAME? 138,357.82 138,150.28 137,941.71 137,732.09 137,521.43 137,309.71 137,096.93 136,883.09 136,668.18 136,452.19 136,235.13 136,016.98 135,797.74 135,577.40 135,355.96 135,133.42 134,909.76 134,684.98 134,459.08 134,232.05 134,003.88 133,774.58 133,544.12 133,312.52 133,079.76 132,845.83 132,610.73 132,374.46 132,137.01 131,898.37 131,658.53 131,417.50 131,175.26 130,931.81 130,687.14 130,441.25 130,194.13 129,945.78 129,696.18 129,445.34 129,193.24 128,939.88 128,685.25 128,429.35 128,172.17 127,913.71 127,653.95 127,392.90 127,130.53 126,866.86 126,601.87 126,335.55 126,067.90 125,798.92 125,528.59 125,256.90 124,983.86 124,709.46 124,433.68 124,156.52 123,877.98 123,598.04 123,316.71 #NAME? 122,749.81 122,464.23 122,177.23 121,888.79 121,598.91 121,307.57 121,014.79 120,720.53 120,424.81 120,127.61 119,828.92 119,528.74 119,227.06 118,923.87 118,619.16 118,312.93 118,005.17 117,695.87 117,385.02 117,072.62 116,758.66 116,443.13 116,126.02 115,807.32 115,487.03 115,165.14 114,841.64 114,516.52 114,189.78 113,861.40 113,531.39 113,199.72 112,866.39 112,531.40 112,194.73 111,856.38 111,516.33 111,174.59 110,831.13 110,485.96 110,139.07 109,790.44 109,440.06 109,087.94 108,734.05 108,378.40 108,020.96 107,661.74 107,300.73 106,937.90 106,573.27 106,206.81 105,838.52 105,468.38 105,096.40 104,722.55 104,346.84 103,969.25 103,589.77 103,208.39 102,825.11 102,439.91 102,052.78 #NAME? 101,272.71 100,879.75 100,484.82 100,087.92 99,689.04 99,288.16 98,885.27 98,480.37 98,073.45 97,664.49 97,253.49 96,840.43 96,425.30 96,008.10 95,588.82 95,167.44 94,743.95 94,318.34 93,890.61 93,460.74 93,028.71 92,594.53 92,158.18 91,719.64 91,278.92 90,835.99 90,390.84 89,943.47 89,493.86 89,042.00 88,587.89 88,131.50 87,672.83 87,211.87 86,748.60 86,283.02 85,815.11 85,344.86 84,872.26 84,397.29 83,919.96 83,440.23 82,958.10 82,473.57 81,986.61 81,497.22 81,005.38 80,511.08 80,014.31 79,515.06 79,013.31 78,509.05 78,002.27 77,492.95 76,981.09 76,466.67 75,949.68 75,430.10 74,907.92 74,383.14 73,855.73 73,325.68 72,792.98 #NAME? 71,719.59 71,178.86 70,635.43 70,089.28 69,540.40 68,988.77 68,434.39 67,877.24 67,317.30 66,754.56 66,189.01 65,620.63 65,049.40 64,475.32 63,898.38 63,318.54 62,735.81 62,150.16 61,561.59 60,970.07 60,375.59 59,778.15 59,177.71 58,574.27 57,967.82 57,358.33 56,745.80 56,130.20 55,511.53 54,889.76 54,264.88 53,636.88 53,005.74 52,371.44 51,733.97 51,093.32 50,449.46 49,802.38 49,152.06 48,498.50 47,841.67 47,181.55 46,518.13 45,851.40 45,181.33 44,507.91 43,831.12 43,150.95 42,467.38 41,780.39 41,089.97 40,396.09 39,698.75 38,997.91 38,293.58 37,585.72 36,874.32 36,159.37 35,440.84 34,718.72 33,992.99 33,263.62 32,530.62 #NAME? 31,053.59 30,309.53 29,561.75 28,810.24 28,054.96 27,295.91 26,533.06 25,766.40 24,995.91 24,221.56 23,443.35 22,661.24 21,875.22 21,085.27 20,291.37 19,493.50 18,691.64 17,885.77 17,075.88 16,261.93 15,443.91 14,621.81 13,795.59 12,965.24 12,130.74 11,292.07 10,449.21 9,602.13 8,750.81 7,895.24 7,035.39 6,171.24 5,302.77 4,429.96 3,552.78 2,671.22 1,785.25 894.85 #NAME? -
Schedu led Payment #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33
Extra P ayment #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? -
To tal Paym ent #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 894.85 #NAME? -
Principal #NAME? 150.07 150.82 151.58 152.33 153.10 153.86 154.63 155.40 156.18 156.96 157.75 158.54 159.33 160.13 160.93 161.73 162.54 163.35 164.17 164.99 165.81 166.64 167.48 168.31 169.16 170.00 170.85 171.71 172.56 173.43 174.29 175.17 176.04 176.92 177.81 178.70 179.59 180.49 181.39 182.30 183.21 184.12 185.04 185.97 186.90 187.83 188.77 189.72 190.67 191.62 192.58 193.54 194.51 195.48 196.46 197.44 198.43 199.42 200.42 201.42 202.43 203.44 204.45 #NAME? 206.50 207.54 208.57 209.62 210.67 211.72 212.78 213.84 214.91 215.98 217.06 218.15 219.24 220.34 221.44 222.55 223.66 224.78 225.90 227.03 228.17 229.31 230.45 231.61 232.76 233.93 235.10 236.27 237.45 238.64 239.83 241.03 242.24 243.45 244.67 245.89 247.12 248.36 249.60 250.84 252.10 253.36 254.63 255.90 257.18 258.46 259.76 261.06 262.36 263.67 264.99 266.32 267.65 268.99 270.33 271.68 273.04 274.41 275.78 277.16 278.54 279.94 281.34 #NAME? 284.16 285.58 287.00 288.44 289.88 291.33 292.79 294.25 295.72 297.20 298.69 300.18 301.68 303.19 304.71 306.23 307.76 309.30 310.85 312.40 313.96 315.53 317.11 318.70 320.29 321.89 323.50 325.12 326.74 328.38 330.02 331.67 333.33 334.99 336.67 338.35 340.04 341.74 343.45 345.17 346.90 348.63 350.37 352.13 353.89 355.66 357.43 359.22 361.02 362.82 364.64 366.46 368.29 370.13 371.98 373.84 375.71 377.59 379.48 381.38 383.28 385.20 387.13 #NAME? 391.01 392.96 394.93 396.90 398.89 400.88 402.89 404.90 406.92 408.96 411.00 413.06 415.12 417.20 419.29 421.38 423.49 425.61 427.73 429.87 432.02 434.18 436.35 438.53 440.73 442.93 445.15 447.37 449.61 451.86 454.12 456.39 458.67 460.96 463.27 465.58 467.91 470.25 472.60 474.96 477.34 479.73 482.12 484.54 486.96 489.39 491.84 494.30 496.77 499.25 501.75 504.26 506.78 509.31 511.86 514.42 516.99 519.58 522.18 524.79 527.41 530.05 532.70 #NAME? 538.04 540.73 543.43 546.15 548.88 551.62 554.38 557.15 559.94 562.74 565.55 568.38 571.22 574.08 576.95 579.83 582.73 585.65 588.57 591.52 594.48 597.45 600.44 603.44 606.45 609.49 612.53 615.60 618.67 621.77 624.88 628.00 631.14 634.30 637.47 640.66 643.86 647.08 650.31 653.57 656.83 660.12 663.42 666.74 670.07 673.42 676.79 680.17 683.57 686.99 690.42 693.88 697.35 700.83 704.34 707.86 711.40 714.95 718.53 722.12 725.73 729.36 733.01 #NAME? 740.36 744.06 747.78 751.52 755.27 759.05 762.85 766.66 770.49 774.35 778.22 782.11 786.02 789.95 793.90 797.87 801.86 805.87 809.90 813.95 818.02 822.11 826.22 830.35 834.50 838.67 842.87 847.08 851.32 855.57 859.85 864.15 868.47 872.81 877.18 881.56 885.97 890.40 890.38 #NAME? -
Interest #NAME? #NAME? 748.50 747.75 746.99 746.23 745.46 744.69 743.92 743.14 742.36 741.58 740.79 740.00 739.20 738.40 737.60 736.79 735.97 735.16 734.34 733.51 732.68 731.85 731.01 730.17 729.32 728.47 727.62 726.76 725.90 725.03 724.16 723.28 722.40 721.52 720.63 719.74 718.84 717.94 717.03 716.12 715.20 714.28 713.36 712.43 711.49 710.55 709.61 708.66 707.71 706.75 705.79 704.82 703.85 702.87 701.89 700.90 699.91 698.91 697.91 696.90 695.89 694.87 693.85 #NAME? 691.79 690.75 689.71 688.66 687.61 686.55 685.48 684.42 683.34 682.26 681.18 680.08 678.99 677.89 676.78 675.67 674.55 673.42 672.30 671.16 670.02 668.87 667.72 666.56 665.40 664.23 663.05 661.87 660.69 659.49 658.29 657.09 655.88 654.66 653.44 652.21 650.97 649.73 648.48 647.23 645.97 644.70 643.43 642.15 640.86 639.57 638.27 636.96 635.65 634.33 633.01 631.68 630.34 628.99 627.64 626.28 624.92 623.55 622.17 620.78 619.39 617.99 616.58 #NAME? 613.75 612.32 610.89 609.44 607.99 606.54 605.07 603.60 602.12 600.64 599.14 597.64 596.14 594.62 593.10 591.56 590.03 588.48 586.93 585.36 583.79 582.22 580.63 579.04 577.44 575.83 574.21 572.58 570.95 569.31 567.66 566.00 564.33 562.66 560.97 559.28 557.58 555.87 554.16 552.43 550.70 548.95 547.20 545.44 543.67 541.89 540.10 538.31 536.50 534.69 532.87 531.03 529.19 527.34 525.48 523.61 521.73 519.85 517.95 516.04 514.13 512.20 510.26 #NAME? 506.36 504.40 502.42 500.44 498.45 496.44 494.43 492.40 490.37 488.32 486.27 484.20 482.13 480.04 477.94 475.84 473.72 471.59 469.45 467.30 465.14 462.97 460.79 458.60 456.39 454.18 451.95 449.72 447.47 445.21 442.94 440.66 438.36 436.06 433.74 431.42 429.08 426.72 424.36 421.99 419.60 417.20 414.79 412.37 409.93 407.49 405.03 402.56 400.07 397.58 395.07 392.55 390.01 387.46 384.91 382.33 379.75 377.15 374.54 371.92 369.28 366.63 363.96 #NAME? 358.60 355.89 353.18 350.45 347.70 344.94 342.17 339.39 336.59 333.77 330.95 328.10 325.25 322.38 319.49 316.59 313.68 310.75 307.81 304.85 301.88 298.89 295.89 292.87 289.84 286.79 283.73 280.65 277.56 274.45 271.32 268.18 265.03 261.86 258.67 255.47 252.25 249.01 245.76 242.49 239.21 235.91 232.59 229.26 225.91 222.54 219.16 215.75 212.34 208.90 205.45 201.98 198.49 194.99 191.47 187.93 184.37 180.80 177.20 173.59 169.96 166.32 162.65 #NAME? 155.27 151.55 147.81 144.05 140.27 136.48 132.67 128.83 124.98 121.11 117.22 113.31 109.38 105.43 101.46 97.47 93.46 89.43 85.38 81.31 77.22 73.11 68.98 64.83 60.65 56.46 52.25 48.01 43.75 39.48 35.18 30.86 26.51 22.15 17.76 13.36 8.93 4.47 #NAME? -
Ending Balance #NAME? 149,700.60 149,549.78 149,398.20 149,245.87 149,092.77 148,938.91 148,784.28 148,628.87 148,472.69 148,315.73 148,157.98 147,999.45 147,840.12 147,679.99 147,519.07 147,357.34 147,194.80 147,031.45 146,867.28 146,702.29 146,536.47 146,369.83 146,202.35 146,034.04 145,864.88 145,694.88 145,524.03 145,352.33 145,179.76 145,006.33 144,832.04 144,656.87 144,480.83 144,303.91 144,126.11 143,947.41 143,767.82 143,587.33 143,405.95 143,223.65 143,040.44 142,856.32 142,671.27 142,485.30 142,298.41 142,110.57 141,921.80 141,732.08 141,541.42 141,349.80 141,157.22 140,963.68 140,769.17 140,573.69 140,377.24 140,179.80 139,981.37 139,781.95 139,581.54 139,380.12 139,177.69 138,974.25 138,769.80 #NAME? 138,357.82 138,150.28 137,941.71 137,732.09 137,521.43 137,309.71 137,096.93 136,883.09 136,668.18 136,452.19 136,235.13 136,016.98 135,797.74 135,577.40 135,355.96 135,133.42 134,909.76 134,684.98 134,459.08 134,232.05 134,003.88 133,774.58 133,544.12 133,312.52 133,079.76 132,845.83 132,610.73 132,374.46 132,137.01 131,898.37 131,658.53 131,417.50 131,175.26 130,931.81 130,687.14 130,441.25 130,194.13 129,945.78 129,696.18 129,445.34 129,193.24 128,939.88 128,685.25 128,429.35 128,172.17 127,913.71 127,653.95 127,392.90 127,130.53 126,866.86 126,601.87 126,335.55 126,067.90 125,798.92 125,528.59 125,256.90 124,983.86 124,709.46 124,433.68 124,156.52 123,877.98 123,598.04 123,316.71 #NAME? 122,749.81 122,464.23 122,177.23 121,888.79 121,598.91 121,307.57 121,014.79 120,720.53 120,424.81 120,127.61 119,828.92 119,528.74 119,227.06 118,923.87 118,619.16 118,312.93 118,005.17 117,695.87 117,385.02 117,072.62 116,758.66 116,443.13 116,126.02 115,807.32 115,487.03 115,165.14 114,841.64 114,516.52 114,189.78 113,861.40 113,531.39 113,199.72 112,866.39 112,531.40 112,194.73 111,856.38 111,516.33 111,174.59 110,831.13 110,485.96 110,139.07 109,790.44 109,440.06 109,087.94 108,734.05 108,378.40 108,020.96 107,661.74 107,300.73 106,937.90 106,573.27 106,206.81 105,838.52 105,468.38 105,096.40 104,722.55 104,346.84 103,969.25 103,589.77 103,208.39 102,825.11 102,439.91 102,052.78 #NAME? 101,272.71 100,879.75 100,484.82 100,087.92 99,689.04 99,288.16 98,885.27 98,480.37 98,073.45 97,664.49 97,253.49 96,840.43 96,425.30 96,008.10 95,588.82 95,167.44 94,743.95 94,318.34 93,890.61 93,460.74 93,028.71 92,594.53 92,158.18 91,719.64 91,278.92 90,835.99 90,390.84 89,943.47 89,493.86 89,042.00 88,587.89 88,131.50 87,672.83 87,211.87 86,748.60 86,283.02 85,815.11 85,344.86 84,872.26 84,397.29 83,919.96 83,440.23 82,958.10 82,473.57 81,986.61 81,497.22 81,005.38 80,511.08 80,014.31 79,515.06 79,013.31 78,509.05 78,002.27 77,492.95 76,981.09 76,466.67 75,949.68 75,430.10 74,907.92 74,383.14 73,855.73 73,325.68 72,792.98 #NAME? 71,719.59 71,178.86 70,635.43 70,089.28 69,540.40 68,988.77 68,434.39 67,877.24 67,317.30 66,754.56 66,189.01 65,620.63 65,049.40 64,475.32 63,898.38 63,318.54 62,735.81 62,150.16 61,561.59 60,970.07 60,375.59 59,778.15 59,177.71 58,574.27 57,967.82 57,358.33 56,745.80 56,130.20 55,511.53 54,889.76 54,264.88 53,636.88 53,005.74 52,371.44 51,733.97 51,093.32 50,449.46 49,802.38 49,152.06 48,498.50 47,841.67 47,181.55 46,518.13 45,851.40 45,181.33 44,507.91 43,831.12 43,150.95 42,467.38 41,780.39 41,089.97 40,396.09 39,698.75 38,997.91 38,293.58 37,585.72 36,874.32 36,159.37 35,440.84 34,718.72 33,992.99 33,263.62 32,530.62 #NAME? 31,053.59 30,309.53 29,561.75 28,810.24 28,054.96 27,295.91 26,533.06 25,766.40 24,995.91 24,221.56 23,443.35 22,661.24 21,875.22 21,085.27 20,291.37 19,493.50 18,691.64 17,885.77 17,075.88 16,261.93 15,443.91 14,621.81 13,795.59 12,965.24 12,130.74 11,292.07 10,449.21 9,602.13 8,750.81 7,895.24 7,035.39 6,171.24 5,302.77 4,429.96 3,552.78 2,671.22 1,785.25 894.85 #NAME? -
C umu lative In terest #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
P mt. No . 440 441 442 443 444 445 446 447 448 449 ### 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480
P aym ent Date 8/1/2046 9/1/2046 10/1/2046 11/1/2046 12/1/2046 1/1/2047 2/1/2047 3/1/2047 4/1/2047 5/1/2047 6/1/2047 7/1/2047 8/1/2047 9/1/2047 10/1/2047 11/1/2047 12/1/2047 1/1/2048 2/1/2048 3/1/2048 4/1/2048 5/1/2048 6/1/2048 7/1/2048 8/1/2048 9/1/2048 10/1/2048 11/1/2048 12/1/2048 1/1/2049 2/1/2049 3/1/2049 4/1/2049 5/1/2049 6/1/2049 7/1/2049 8/1/2049 9/1/2049 10/1/2049 11/1/2049 12/1/2049
Begin ning Balance #NAME? -
Schedu led Payment 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 #NAME? 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33 899.33
Extra P ayment #NAME? -
To tal Paym ent #NAME? -
Principal #NAME? -
Interest #NAME? -
Ending Balance #NAME? -
C umu lative In terest #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
_Example FALSE _Shading FALSE _Series OfficeReady 3.0 _Look 1
CAP RATE AND GIM SALES ### Cap Rate 0.00% CAP RATE Value #DIV/0! NOI GIM 8.33 EGI 144000
Reconstructed Operating Statement
+ = =
PGI VC MI EGI OE CAPX NOI
Potential Gross Income 180000 Vacancy and Collection Losses 18000 Miscellaneous Income (or reimbursements) 0 Effective Gross Income 162000 Operating Expenses 64800 Capital Expenditures 8100 Net Operating Income 89100
Bexar County City of San Antonio
2009 2009
APPRAIASED VALUE
###
Entity Description Tax RateAppraised Value Taxable Value Estimated Tax 6 BEXAR CO RD & FLOOD ### $100,000 $100,000.00 $37.47 8 SA RIVER AUTH ### $100,000 $100,000.00 $15.95 9 ALAMO COM COLLEGE 10 UNIV HEALTH SYSTEM 11 BEXAR COUNTY 21 CITY OF SAN ANTONIO 55 NORTH EAST ISD
### ### ### ### ###
$100,000 $100,000 $100,000 $100,000 $100,000
CAD BEXAR APPRAISAL DISTRICT### Total Tax Rate: ###
$100,000 $100,000
$100,000.00 $100,000.00 $100,000.00 $100,000.00 $85,000.00
$135.86 $261.02 $289.40 $567.14 $1,192.47
$100,000.00 $0.00 $100,000.00 $2,709.73 Taxes w/Current Exemptions: $2,499.30 Taxes w/o Exemptions: $2,709.73
In order to receive the homestead exemption from the school district, the property must be designated as your homestead for tax purposes (this is different from the constitutional and statutory homestead protection) If the investment property will not be designated as your homestead, then use the "Taxes w/o Exemptions amount". Note, that this model has only taken into account a decreased in assessed value for the homestead exemption allowed for school taxes.
This assumes an investment over $100,000. For any sales price less than $100,000, see the Texas Title Manual For Policies Between 100,001 - 1,000,000 Sales Price $120,000 Title Premium $949.80 BE SURE TO ROUND UP OR DOWN!!!
Present Value ### This is also called the deposit Interest 5.00% Year Amount Interest Ending Amount 0 ### $0.00 -$10,000.00 1 ### ### $10,500.00 2 ### ### $11,025.00 3 ### ### $11,576.25 4 ### ### $12,155.06 5 ### ### $12,762.82 6 ### ### $13,400.96 7 ### ### $14,071.00 8 ### ### $14,774.55 9 ### ### $15,513.28 10 ### ### $16,288.95 Future Value
CALCULATOR FUNCTIONS N I PV PMT FV
Amount 100 Interest 10.00% 161.05
### This is also called the ending amount
When determining how much I needed to begin investment on the day my daughter was born to cover her future tuition payments, the financial advisor (that I used at the time) ran a model stating I would need to invest $250 per month for 216 months to obtain my expected future value. Note: The text suggests rounding the numbers to the nearest whole number. I have left the decimals in my examples and have chosen to round up to the nearest whole number. This is something that can be easily changed in Excel by formatting the cells to display whole numbers only.
RATE NPER PMT PV FV
I N PMT PV FV
0.05 5 100 0 $504.18
ANNUAL ANNUITY Present Value $100.00 This is also called the deposit Payments $0.00 Annually Interest 10.00% Year Beginning Amount Deposit InterestEnding Amount 0 -$100.00 $0.00 $0.00 $100.00 1 $100.00 $0.00 $0.00 $100.00 2 $100.00 $0.00 $10.00 $110.00 3 $110.00 $0.00 $11.00 $121.00 4 $121.00 $0.00 $12.10 $133.10 5 $133.10 $0.00 $13.31 $146.41 6 $146.41 $0.00 $14.64 $161.05 7 $161.05 $0.00 $16.11 $177.16 8 $177.16 $0.00 $17.72 $194.87 9 $194.87 $0.00 $19.49 $214.36 10 $214.36 $10.00 $21.44 $245.79 Future Value
$245.79
This is also called the ending amount
MONTHLY ANNUITY Present Value $0.00 This is also called the deposit Payments $166.67 Monthly Interest 5.00% 0.42% Month Beginning Amount Deposit Interest Ending Amount 0 $0.00 $0.00 $0.00 $0.00 1 $0.00 ### $0.00 $166.67 2 $166.67 ### $0.69 $334.03 3 $334.03 ### $1.39 $502.10 4 $502.10 ### $2.09 $670.86 5 $670.86 ### $2.80 $840.32 6 $840.32 ### $3.50 $1,010.49 7 $1,010.49 ### $4.21 $1,181.38 8 $1,181.38 ### $4.92 $1,352.97 9 $1,352.97 ### $5.64 $1,525.28 10 $1,525.28 ### $6.36 $1,698.30 11 $1,698.30 ### $7.08 $1,872.05 12 $1,872.05 ### $7.80 $2,046.52 13 $2,046.52 ### $8.53 $2,221.71 14 $2,221.71 ### $9.26 $2,397.64 15 $2,397.64 ### $9.99 $2,574.30 16 $2,574.30 ### $10.73 $2,751.70 17 $2,751.70 ### $11.47 $2,929.83 18 $2,929.83 ### $12.21 $3,108.71 19 $3,108.71 ### $12.95 $3,288.33 20 $3,288.33 ### $13.70 $3,468.70 21 $3,468.70 ### $14.45 $3,649.83 22 $3,649.83 ### $15.21 $3,831.71 23 $3,831.71 ### $15.97 $4,014.34 24 $4,014.34 ### $16.73 $4,197.74 25 $4,197.74 ### $17.49 $4,381.90 26 $4,381.90 ### $18.26 $4,566.83 27 $4,566.83 ### $19.03 $4,752.52 28 $4,752.52 ### $19.80 $4,939.00 29 $4,939.00 ### $20.58 $5,126.25 30 $5,126.25 ### $21.36 $5,314.27 31 $5,314.27 ### $22.14 $5,503.09 32 $5,503.09 ### $22.93 $5,692.69 33 $5,692.69 ### $23.72 $5,883.08 34 $5,883.08 ### $24.51 $6,074.26 35 $6,074.26 ### $25.31 $6,266.24 36 $6,266.24 ### $26.11 $6,459.02 37 $6,459.02 ### $26.91 $6,652.60 38 $6,652.60 ### $27.72 $6,846.99 39 $6,846.99 ### $28.53 $7,042.19 40 $7,042.19 ### $29.34 $7,238.20 41 $7,238.20 ### $30.16 $7,435.03 42 $7,435.03 ### $30.98 $7,632.68 43 $7,632.68 ### $31.80 $7,831.15 44 $7,831.15 ### $32.63 $8,030.45 45 $8,030.45 ### $33.46 $8,230.58 46 $8,230.58 ### $34.29 $8,431.55 47 $8,431.55 ### $35.13 $8,633.35 48 $8,633.35 ### $35.97 $8,835.99 49 $8,835.99 ### $36.82 $9,039.48 50 $9,039.48 ### $37.66 $9,243.81 51 $9,243.81 ### $38.52 $9,449.00 52 $9,449.00 ### $39.37 $9,655.04 53 $9,655.04 ### $40.23 $9,861.94 54 $9,861.94 ### $41.09 $10,069.70 55 $10,069.70 ### $41.96 $10,278.33 56 $10,278.33 ### $42.83 $10,487.82 57 $10,487.82 ### $43.70 $10,698.19 58 $10,698.19 ### $44.58 $10,909.44 59 $10,909.44 ### $45.46 $11,121.56 60 $11,121.56 ### $46.34 $11,334.57 Future Value
$11,334.57
This is also called the ending amount
DISCOUNT CASH FLOW ANALYSIS (DCF) Time 10 CF $0.00 Opportunity Cost 10.00% DR PMT 0 FV ### PV 192,772
Time 10
CF ###
DR DCF 2.59 ###
DISCOUNT CASH FLOW ANALYSIS (DCF) Time CF DR DCF 0 0 1 0 1 12,000 1.1 10,909 2 12,000 1.21 9,917 3 12,000 1.33 9,016 4 12,000 1.46 8,196 5 12,000 1.61 7,451 6 12,000 1.77 6,774 7 12,000 1.95 6,158 8 12,000 2.14 5,598 9 12,000 2.36 5,089 10 512,000 2.59 ### ###
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