REAL ESTATE CALCULATORS(More Info)

 
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You have selected to run a five year forecast of a part rental / part non rental property which could be your primary residence as well as contain several rental units. 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 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, 3) deducting any real estate broker fees and 4) deducting any depreciation recapture taxes, 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 on the portion of the property you claim as your primary residence.

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 solely for a rental property or 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. In addition it is interesting to see what you would net on a sale of a part rental / part non rental property after accounting for all the tax considerations effecting a personal residence and a business property.

 
Try It :

Real Estate Calculators / Five Year Forecast / (Part Rental / Non-Rental Property)
 
PROCEEDS FROM SALE
 
(Consolidated) (c)(d)
100%
(Non Rental) (a)(d)
50%
(Rental) (b)(d)
50%
 
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Value
765,000
780,300
795,906
811,824
828,061
382,500
390,150
397,953
405,912
414,030
382,500
390,150
397,953
405,912
414,030
Mortgage (First)
171,026
166,801 162,310 157,536
152,462
85,513
83,401
81,155
78,768
76,231
85,513
83,401
81,155
78,768
76,231
Mortgage (Second)
73,725
72,370
70,930
69,399
67,771
36,863
36,185
35,465
34,699
33,886
36,863
36,185
35,465
34,699
33,886
Equity
520,249
541,129
562,666
584,889
607,828
260,124
270,564
281,333
292,444
303,914
260,124
270,564
281,333
292,444
303,914
Real Estate Brokers Fees @ 4.50%
34,425
35,114
35,816
36,532
37,263
17,213
17,557
17,908
18,266
18,632
17,213
17,557
17,908
18,266
18,632
Proceeds After Mortgage Debt
and Brokers Fees
485,824
506,015
526,850
548,357
570,565
242,912
253,007
263,425
274,178
285,282
242,912
253,007
263,425
274,178
285,282
Total Estimated Deferred Tax Liab.
52,516
57,323
61,162
64,560
67,991
0
0
0
0
0
52,516
57,323
61,162
64,560
67,991
Net Proceeds After Taxes
433,308
448,692
465,688
483,797
502,574
242,912
253,007
263,425
274,178
285,282
190,396
195,684
202,263
209,618
217,291
INCOME STATEMENT
 
(Consolidated) (g)
100%
(Non Rental) (e)
50%
(Rental) (f)
50%
 
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Rent
50,000
51,500
53,045
54,636
56,275
N/A
N/A
N/A
N/A
N/A
50,000
51,500
53,045
54,636
56,275
Real Estate Taxes
7,500
7,800
8,112
8,436
8,773
3,750
3,900
4,056
4,218
4,387
3,750
3,900
4,056
4,218
4,387
Mortgage Interest (First)
10,608
10,358
10,092
9,809
9,508
5,304
5,179
5,046
4,904
4,754
5,304
5,179
5,046
4,904
4,754
Mortgage Interest (Second)
4,558
4,478
4,393
4,302
4,206
2,279
2,239
2,196
2,151
2,103
2,279
2,239
2,196
2,151
2,103
Maintenance
4,250
4,462
4,685
4,919
5,165
2,125
2,231
2,343
2,460
2,583
2,125
2,231
2,343
2,460
2,583
Total Cost (Non Rental)
(g)
(g)
(g)
(g)
(g)
-13,458
-13,549
-13,641
-13,733
-13,826
N/A
N/A
N/A
N/A
N/A
P/L Before Depr. (Rental)
(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
11,542
12,201
12,882
13,585
14,312
Depr. (Rental)
(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
5,455
5,455
5,455
5,455
5,455
P/L Before Taxes (Rental)
(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
6,087
6,746
7,427
8,130
8,857
Prior Yr. Loss Carryforward (Rental)
(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
-15,000
-8,913
-2,166
0
0

P/L Before Taxes Adjusted
for Prior Yr. Loss Carryforward

(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
-8,913
-2,166
5,261
8,130
8,857
Income Tax Adjustment
Non-Rental YES @ 30.00%
Rental NO @ 30.00%
(g)
(g)
(g)
(g)
(g)
4,037
4,065
4,092
4,120
4,148
0
0
-1,578
-2,439
-2,657
P/L After Taxes (Rental)
(g)
(g)
(g)
(g)
(g)
N/A
N/A
N/A
N/A
N/A
6,087
6,746
5,849
5,691
6,200
Net Costs After Tax Benefit
But Before
Principal Pay Downs (Non Rental)
(g)
(g)
(g)
(g)
(g)
-9,421
-9,484
-9,549
-9,613
-9,678
N/A
N/A
N/A
N/A
N/A
STATEMENT OF CASH FLOWS (h)(i)
 
(Consolidated)
100%
(Non Rental)
50%
(Rental)
50%
 
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Net Costs After Tax Benefit But Before
Principal Pay Downs (Non Rental)
-9,421
-9,484
-9,549
-9,613
-9,678
-9,421
-9,484
-9,549
-9,613
-9,678
N/A
N/A
N/A
N/A
N/A
P/L After Taxes (Rental)
6,087
6,746
5,849
5,691
6,200
N/A
N/A
N/A
N/A
N/A
6,087
6,746
5,849
5,691
6,200
ADDITIONS:
                             
Depreciation (Rental)
5,455
5,455
5,455
5,455
5,455
N/A
N/A
N/A
N/A
N/A
5,455
5,455
5,455
5,455
5,455
SUBTRACTIONS:
                             
Mortgage Principal (First)
3,974
4,225
4,491
4,774
5,074
1,987
2,112
2,245
2,387
2,537
1,987
2,112
2,245
2,387
2,537
Mortgage Principal (Second)
1,275
1,355
1,440
1,531
1,628
637
678
720
766
814
637
678
720
766
814
Cash Flow
-3,128
-2,863
-4,176
-4,772
-4,725
-12,045
-12,274
-12,514
-12,766
-13,029
8,918
9,411
8,338
7,993
8,304
PROPERTY BASIS
 
(Consolidated)
100%
(Non Rental) (j)
50%
(Rental) (k)
50%
 
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Value
765,000
780,300
795,906
811,824
828,061
382,500
390,150
397,953
405,912
414,030
382,500
390,150
397,953
405,912
414,030
Less Cost Basis (Purchase Price)
250,000
250,000
250,000
250,000
250,000
125,000
125,000
125,000
125,000
125,000
125,000
125,000
125,000
125,000
125,000
Less Cost Basis (Rehab Costs)
100,000
100,000
100,000
100,000
100,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Less R.E. Brokers Fees
@ 4.50%
34,425
35,114
35,816
36,532
37,263
17,213
17,557
17,908
18,266
18,632
17,213
17,557
17,908
18,266
18,632
LT Capital Gain/Loss
380,575
395,186
410,090
425,292
440,798
190,288
197,593
205,045
212,646
220,399
190,288
197,593
205,045
212,646
220,399
Reduced By Any Exclusion YES
190,288
197,593
205,045
212,646
220,399
250,000
250,000
250,000
250,000
250,000
N/A
N/A
N/A
N/A
N/A
Taxable Gains After Any Exclusion
190,288
197,593
205,045
212,646
220,399
0
0
0
0
0
190,288
197,593
205,045
212,646
220,399
Acc. Depr.
40,455
45,909
51,364
56,818
62,273
N/A
N/A
N/A
N/A
N/A
40,455
45,909
51,364
56,818
62,273
DEFERRED TAXES
 
(Consolidated)
100%
(Non Rental) (l)
50%
(Rental) (m)
50%
 
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Year 1
Year 2
Year 3
Year 4
Year 5
Fed. LT Capital Gains Tax @ 15.00
28,543
29,639
30,757
31,897
33,060
0
0
0
0
0
28,543
29,639
30,757
31,897
33,060
State Capital Gains Tax @ 25.00%
13,035
13,535
14,046
14,566
15,097
0
0
0
0
0
13,035
13,535
14,046
14,566
15,097
Fed. Depr. Recapture @ 6.85%
10,114
11,477
12,841
14,205
15,568
N/A
N/A
N/A
N/A
N/A
10,114
11,477
12,841
14,205
15,568
State Depr. Recapture @ 6.85%
2,771
3,145
3,518
3,892
4,266
N/A
N/A
N/A
N/A
N/A
2,771
3,145
3,518
3,892
4,266
Total Estimated Deferred Tax Before
Adj. For Any Loss Carryforward
54,463
57,796
61,162
64,560
67,991
0
0
0
0
0
54,463
57,796
61,162
64,560
67,991
Loss Carryforward
(n)
(n)
(n)
(n)
(n)
N/A
N/A
N/A
N/A
N/A
-8,913
-2,166
0
0
0
Estimated Offset To Tax Liab. Due To
Loss Carryforward
@ (15.00% + 6.85%)
(n)
(n)
(n)
(n)
(n)
N/A
N/A
N/A
N/A
N/A
-1,947
-473
0
0
0
Total Estimated Deferred
Tax Liab.
(n)
(n)
(n)
(n)
(n)
0
0
0
0
0
52,516
57,323
61,162
64,560
67,991

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