8 keys to capital - renatus
TRANSCRIPT
949.682.3565
J. MasseyTXT Renatus to 949.682.3565949.682.3565to get a copy of the slides.
Thursday, May 15, 2014
949.682.3565
J. MasseyTXT Renatus to
949.682.3565949.682.3565
to get a copy of the slides.
Thursday, May 15, 2014
I II
III IV
Profit Analysis Quadrant (P.A.Q)Appreciation Depreciation
949.682.3565Thursday, May 15, 2014
I II
III IV
Profit Analysis Quadrant (P.A.Q)Appreciation Depreciation
AMOrtization
949.682.3565Thursday, May 15, 2014
I II
III IV
Profit Analysis Quadrant (P.A.Q)Appreciation Depreciation
AMOrtization CashFlow
949.682.3565Thursday, May 15, 2014
I II
III IV
Appreciation Depreciation
CASH FLOWAmortization
1. Found2. Forced3. Phased4. Inflated5. Passive
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Income_____________- Expenses
= NOI- DS_____________
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Income_____________- Expenses
= NOI- DS_____________
= CADS or
Cashflow949.682.3565
Thursday, May 15, 2014
I II
III IV
Appreciation Depreciation
CASH FLOWAmortization
1. Found2. Forced3. Phased4. Inflated5. Passive
Income_____________- Expenses
= NOI_____________- DS
= CADS or
Cashflow949.682.3565
Thursday, May 15, 2014
Single Family House (SFR)
Purchase Price - $50,000Down Payment - $10,000
949.682.3565Thursday, May 15, 2014
Single Family House (SFR)
Purchase Price - $50,000Down Payment - $10,000
Loan - $40,000
949.682.3565Thursday, May 15, 2014
Single Family House (SFR)
Purchase Price - $50,000Down Payment - $10,000
Loan - $40,000Rent (monthly) - $600
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yr
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yrEstimated Improvement (80%) - $40,000
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yrEstimated Improvement (80%) - $40,000$40,000 / 27.5 =$1,454.55
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yrEstimated Improvement (80%) - $40,000$40,000 / 27.5 =$1,454.55 Estimated Tax Bracket (30%)
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yrEstimated Improvement (80%) - $40,000$40,000 / 27.5 =$1,454.55 Estimated Tax Bracket (30%)$1,454.55 x 30% = $436.36
949.682.3565Thursday, May 15, 2014
II Depreciation
Purchase Price - $50,000Straight Line Depreciation - 27.5yrEstimated Improvement (80%) - $40,000$40,000 / 27.5 =$1,454.55 Estimated Tax Bracket (30%)$1,454.55 x 30% = $436.36$10,000 (DN) / $436.36 = 4.36%
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)Interest - 7%
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)Interest - 7%Fully Amortized Loan - 0 (balance at the end of the 30yrs)
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)Interest - 7%Fully Amortized Loan - 0 (balance at the end of the 30yrs)
Calculated Payment - $266.12
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)Interest - 7%Fully Amortized Loan - 0 (balance at the end of the 30yrs)
Calculated Payment - $266.12Calculated Principled Paid (12mth) - $406.31
949.682.3565Thursday, May 15, 2014
III Amortization
Purchase Price - $50,000
Loan - $40,000Down Payment - $10,000
30yr Loan - (360 payments)Interest - 7%Fully Amortized Loan - 0 (balance at the end of the 30yrs)
Calculated Payment - $266.12Calculated Principled Paid (12mth) - $406.31$10,000 (DN) / $406.31 = 4.06%
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200Estimated Expenses - $3,600
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200Estimated Expenses - $3,600NOI - $3,600
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200Estimated Expenses - $3,600NOI - $3,600DS - $266.12 x 12 = $3,193.45
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200Estimated Expenses - $3,600NOI - $3,600DS - $266.12 x 12 = $3,193.45NOI - DS = $406.55 (CADS or Cashflow)
949.682.3565Thursday, May 15, 2014
IV CASH FLOW
Purchase Price - $50,000Rent (monthly) - $600Annual Gross Income - $600 x 12 = $7,200Estimated Expenses - $3,600NOI - $3,600DS - $266.12 x 12 = $3,193.45NOI - DS = $406.55 (CADS or Cashflow)$10,000 (DN) / $406.55 = 4.07%
949.682.3565Thursday, May 15, 2014
I II
III IV
Appreciation Depreciation
CASH FLOWAmortization
0%30% Tax Bracket
4.36%
949.682.3565Thursday, May 15, 2014
I II
III IV
Appreciation Depreciation
CASH FLOWAmortization
0%30% Tax Bracket
4.36%
4.06%949.682.3565
Thursday, May 15, 2014
I II
III IV
Appreciation Depreciation
CASH FLOWAmortization
0%30% Tax Bracket
4.36%
4.06% 4.07%949.682.3565
Thursday, May 15, 2014