Calculator ng paupahang property
Cash flow, cap rate, cash-on-cash return at kabuuang return ng paupahan o investment property.
Tungkol sa Calculator ng paupahang property
Cash flow, cap rate, cash-on-cash return at kabuuang return ng paupahan o investment property.
Bahagi ng seksyong “Mortgage at real estate” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang Calculator ng paupahang property
Ano ang kinukuwenta nito at kailan ito gagamitin
Suriin ang isang buy-to-let o investment property ayon sa cash flow, cap rate, cash-on-cash return, debt coverage at ang kabuuang kita kung ibebenta mo ito pagkatapos ng isang holding period.
Paano ito gamitin, hakbang-hakbang
- Ilagay ang presyo, porsyento ng down payment at mga termino ng mortgage.
- Ilagay ang buwanang upa, inaasahang panahong walang nangungupahan at mga gastos sa pagpapatakbo.
- Idagdag ang inaasahang paglago ng upa at presyo, kung gaano katagal mo ito hahawakan at ang gastos sa pagbebenta.
- Tingnan muna ang cash flow, saka ang cap rate, cash-on-cash at IRR.
Ano ang ibig sabihin ng bawat input
- Rent bawat buwan – Gross rent Bago Gastos.
- Walang laman periods – Bahagi na rent lost hanggang gaps between tenants.
- Tax at charges, insurance – Taunan property Gastos.
- Management at repairs – Porsyento na rent set aside sa halagang agents, maintenance at repairs.
- Growth rates – Taunan rent at Presyo increases.
Paano basahin ang mga resulta
- Cash flow – Net operating income minus mortgage payments.
- Cap rate – Net operating income ÷ Presyo.
- Cash-on-cash return – First-year cash flow ÷ cash Ininvest.
- Debt coverage ratio – Net operating income ÷ yearly mortgage payments. Lenders often want 1.25 or more.
- IRR – The Taunan return counting cash flows at the final sale.
Ang formula
NOI = rent × 12 × (1 − empty share) − tax − insurance − management. Cap rate = NOI ÷ price. Cash flow = NOI − mortgage payments. Cash-on-cash = cash flow ÷ (deposit + buying costs). IRR is the rate that makes the present value of all yearly cash flows, including the sale, equal to zero.
Isang halimbawa
A 250,000 property with 25% down at 6.5%, rented at 1,500 a month. NOI is 11,800, giving a cap rate of 4.72%. The mortgage is 1,266.01 a month, so cash flow is about −283 a month, debt coverage is 0.78 and the first-year cash-on-cash return is −4.85%. Growth and the sale lift the 10-year IRR to about 7.6%.
Mga palagay at limitasyon
- Fixed costs rise 2% kada taon sa the projection.
- Tax on rental income and gains is excluded and can change the result a lot.
- The loan is repaid and the property sold at the end of the holding period.
Karaniwang pagkakamali
- Ignoring walang laman periods at repairs.
- Judging a deal by the cap rate alone without checking the mortgage.
- Assuming rent at Presyo growth continue forever.
Mga madalas itanong
Ano ang magandang cap rate?
Nag-iiba ito ayon sa market at risk. Ikumpara ito sa mortgage rate: kung mas mababa ang cap rate, binabawasan ng pangungutang ang cash yield mo.
Bakit positibo ang IRR kahit negatibo ang cash flow?
Nadadagdag sa kita ang paglago ng value ng property at ang pagbabayad ng loan mula sa benta.
Kaugnay na tools
Detalye
- Net operating income
- £11,800.00rent Pagkatapos walang laman periods at Gastos
- Cap rate
- 4.72%income ÷ Presyo
- Cash Ininvest
- £70,000.00
- Cash-on-cash return
- -4.85%first-year cash flow ÷ cash Ininvest
- Mortgage payment
- £1,266.01bawat buwan
- Debt coverage ratio
- 0.78income ÷ mortgage; lenders like 1.25 o more
- Tubo Pagkatapos 10 taon
- £87,851.02cash flow plus sale proceeds, minus cash invested
- Taunan return (IRR)
- 7.6%