Sample RC System Number Break Down

$
200,000 Home
Place: $
Ongoing ROI:
26.0%
In every case the home is sold before its bought so the Investor has no holding costs.
The Buyer pays an 8.9% fixed rate. The Investor gets a lower interest rate and makes the delta.

30,000

The Investor puts 20% down and gets an 80% LTV loan to avoid PMI. The Buyer

The Buyer reimburses all closing costs. The Investors total out of pocket is 15% of the purchase price.
Buyer places 5% nonrefundable money. The Buyer pays $35 month for Note Servicing.
Buyer pays for the Appraisal

A.
B.
C.
D.
E.
F.

Sales Price:
20 % Down Payment:
Investor's Note Amount:
Buyers Down Payment to Investor
Investor's Net Out-of-Pocket:
Buyers Note Amount

$
$
$
$
$
$

H.
I.
J.
K.
L.

Investor's Monthly Payment @

Buyers Monthly Payment
Investor's Monthly Mailbox Money:
Mailbox Money per Year:
Ongoing Annual ROI:

5.0% $
8.9% $
$
$

200,000
40,000
160,000
10,000
30,000
190,000
858.91
1,515.13
656.22
7,874.61
26.25%

(A x 5%)
(B-D)

(I-H)
(J x 12)
(K E)

There is additional profit from rapid principal payment reduction because a 5% ratte builds equity faster than an 8.9% rate.
On this home, the amount of additional profit after 12 months of payments would equal:
$
1,035.83

CLOSING DATE:
ASAP
PROPERTY ADDRESS:
STANDARD TERMS: 8.9% Fixed, No PPP, No balloon, 5% Down
NOTE SERVICING:
August REI
Due diligence: The Investors Lender orders an appraisal which protects the interest of all parties. Investors should not try
to second guess property valuations prior to their appraiser determining value at Buyer's expense.
Each transaction is time sensitive with a 45-day closing deadline date. Investors must provide all lender data quickly. Every day counts as 10-15
days have already been comsumed during the lockdown phas
hase
This opportunity is subject to prior sale. Investor must write a check to lock an opportunity. Verbal commitments are insufficient.

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No.
1
2
3
4
5
6
7
8
9
10
11
12

Purchase Price
Less Down Payment
Loan Amount
Annual Interest Rate
Loan Period in Years
Start Date of Loan

Enter Values
$200,000.00
$0.00
$160,000.00
5.00%
30
10/1/2015

Monthly Payment
Number of Payments
Total Interest
Total Cost of Loan

$858.91
360
$149,209.25
$309,209.25

Payment
Date
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

Beginning
Balance
160,000.00 $
159,807.75
159,614.70
159,420.85
159,226.19
159,030.72
158,834.43
158,637.33
158,439.40
158,240.65
158,041.07
157,840.66

Payment
858.91 $
858.91
858.91
858.91
858.91
858.91
858.91
858.91
858.91
858.91
858.91
858.91

Principal
192.25
193.05
193.85
194.66
195.47
196.29
197.10
197.93
198.75
199.58
200.41
201.25

Ending
Interest
Balance
666.67 $
159,807.75
665.87
159,614.70
665.06
159,420.85
664.25
159,226.19
663.44
159,030.72
662.63
158,834.43
661.81
158,637.33
660.99
158,439.40
660.16
158,240.65
659.34
158,041.07
658.50
157,840.66
657.67
157,639.42

No.
###
###
###
###
###
###
###
###
###
###
###
###

Purchase Price
Less Down Payment
Loan Amount
Annual Interest Rate
Loan Period in Years
Start Date of Loan

Enter Values
$200,000.00
$0.00
$190,000.00
8.90%
30
10/1/2015

Monthly Payment
Number of Payments
Total Interest
Total Cost of Loan

$1,515.13
360
$355,447.45
$545,447.45

Payment
Date
Err:508 $
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508
Err:508

Beginning
Balance
190,000.00 $
189,894.03
189,787.28
189,679.74
189,571.40
189,462.26
189,352.30
189,241.53
189,129.94
189,017.53
188,904.27
188,790.18

Payment
1,515.13 $
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13
1,515.13

Principal
105.97
106.75
107.54
108.34
109.14
109.95
110.77
111.59
112.42
113.25
114.09
114.94

Ending
Interest
Balance
1,409.17 $
189,894.03
1,408.38
189,787.28
1,407.59
189,679.74
1,406.79
189,571.40
1,405.99
189,462.26
1,405.18
189,352.30
1,404.36
189,241.53
1,403.54
189,129.94
1,402.71
189,017.53
1,401.88
188,904.27
1,401.04
188,790.18
1,400.19
188,675.24