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REAL ESTATE INVESTING INFORMATION

finance


MAIN FINANCIAL LINKS

| General Investing | Loan Information |

Real Estate Investing Choices:
| Your Future? | Home Analysis | Property Analysis | Single Family Homes |
Performance Summary | Property Management | Residential Investing | Real Estate Investments |


Prepare for the Future

  • Buy your retirement home now.

  • Buy a vacation home and enjoy it two weeks a year.

  • Obtain one new rental property per year.

  • Have all rentals mortgage free retirement.

  • Have a self-directed IRA or SEPP in real estate.

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Homeowners Analysis

Tax Advantages

$ 180,000.00
-$ 20,000.00
$ 160,000.00
Purchase Price
Less Down Payment
Mortgage Amount
30 years Length of Loan
8.5% Interest Rate
$ 13,553.54
$ 2,700.00
$ 16,253.54
First Years Interest
Plus Property Taxes
Total Tax Deductible Items
28%
$ 4,550.99
Owners Tax Bracket
Annual Tax Savings
$ 11,507.76
-$379.25
$ 11,028.51
Total Fixed Rate Monthly Payment (PITI)
Less Monthly Savings
Net Monthly Payment

Investment Potential

3% Constant Appreciation
10 years Holding Period
$180,000 Purchase Price
$241,904.95 Worth
$ 141,763.51
$ 100,141.44
Unpaid Balance
Gross Equity


This form is not intended to be a comprehensive analysis, nor is it an offer to extend credit as defined by Section 226.6 of Regulation Z. Its purpose is to assist in making decisions about real estate. While the information contained herein is deemed reliable, no warranty, expressed or implied, is granted. If concerned, parties should seek counsel from their tax or legal advisor.

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When analyzing a property either the investor or the agent needs to know:

  1. What type of property rents & sells best.

  2. A reliable appreciation rate.

  3. A realistic vacancy factor.

  4. A reasonable fair market rent.

  5. The reasonable operating expenses.

  6. The realistic projected sales costs.

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     Investing in Single Family Homes

Single family homes provide opportunities for personal involvement allowing one to use his/her individual talents:

  • Decorating

  • Carpentry

  • Marketing

  • Financing

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Performance Summary

9908 Glen Canyon
Proposed Property:
$20,000
Initial Investment
$ 2,000
Annual Cash Flow Before Tax
31%
Marginal Tax Bracket
$ 1,000
Annual Cash Flow After Tax
$35,000
Wealth Position After 5 Years
12%
Percent Earned Per Dollar Invested Each Year

A complete analysis explaining the assumptions used to arrive at these projections is available on request from Rich.

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Good Property Management

Good property management is composed of:

  • Maximizing Net Income

  • Maintaining Property Condition

Whether professional management is employed or an investor elects to manage a property himself.... 

These two things must be accomplished!

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Residential Investment

Advantages

  • Financing

  • Leverage

  • Appreciation potential

  • Equity build-up

  • Ease of obtaining information

  • Tax shelter

  • Pride of ownership

Disadvantages

  • Lack of liquidity

  • Loss of value due to market

  • Property hazards

  • Management requirements

  • Legislation

  • Unexpected expenses

  • Number and size of units

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Residential Real Estate Investments

Provide:

  • Retirement Plan

  • Tax Shelter

  • Leveraged Growth

  • Tax Breaks

  • Compound Growth - Inflation

  • Forced Savings

  • Source of Non-taxable Fund

  • Security

  • Controlled Investment

  • Means to Build an Estate

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Rich Sieber Photo Smith & Coelho,LLC
Smith & Coelho, LLC
1151 E Iron Eagle Dr
Eagle, Idaho 83616
208-841-4612 OR 208-475-3186


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