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140 Anzio Dr, Kissimmee, Florida 34758
Your Profit:
$222,394
Your Investment:
$144,900
Euro (€): €104,583
Sterling (£): £86,208

Buy to let bank deals

Local Area Economic Brief

GDP Per Capita $46,000.00
Population Growth Rate 0.97%

Local Area Market Brief

Median price in area $96,900
Median age 9
Properties for sale in area 5
Avg. days on market 63
Most expensive listing $115,000
Cheapest area listing $87,162
Comparable area yield 12.50%
Mouse over an arrow to review last update value

Property Details

Location:Kissimmee
Property Type4 Beds SF
Price At Peak$153,600
Estimated Value$128,402
Property Rental Yield10.77%
Best Hold PeriodSell In 2023

Investment Overview


Risk Analysis

This snapshot analysis helps you determine the Deal risk by comparing various affordability rates for this property against the city/town average. The information is drawn from many authoritative sources and automatically updated twice a week.

Avg ratios for Kissimmee

Affordability Index [?]5.60
Mortgage as % of Income [?]17.85%
Price to income ratio [?]2.33
Price to rent ratio [?]7.77

Avg ratios for this property

Affordability Index [?]3.56
Mortgage as % Income [?]28.06%
Price to Income Ratio [?]4.36
Price to Rent Ratio [?]9.29

Members interested in this deal: 38

In-depth Analysis

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General Property Overview

140 Anzio Dr, Kissimmee, Florida 34758

4 Beds, 3 Baths | 2,930 sq. ft. | Single-Family


Beautiful 4 bedrooms 2.5 bath home in the desirable & Growing Poinciana neighborhood. If exact square footage or room sizes are a concern, unit should be independently measured. Purchase this property for as little as 3 percent down! This property is approved for HomePath Mortgage and HomePath Renovation Mortgage Financing. Visit the HomePath website for more information....

Read the Entire Overview

Total Acquisition Costs

  USD GBP EUR
Cost of Investment $144,900 £86,208 €104,583
Wire Fee to Title Co $500 £297 €361
Electronic Recording Fee $295 £176 €213
Re-Key Fee $290 £173 €209
Additional Title Expense $560 £333 €404
Wire Transfer Fee $35 £21 €25
Fedex Fee $23 £14 €17
County Recorded Deed $500 £297 €361
Record Deed Fedex $25 £15 €18
Contractor Survey $1,000 £595 €722
Broker Representation $3,000 £1,785 €2,165
Title and Lien Search $1,000 £595 €722
Legal fees $2,000 £1,190 €1,444
 
Total Acquisition Cost $154,128 £91,698 €111,244

Property Barometer

Property Investment Evaluation

Price-ometer

Profit-ometer

Exit-ometer

Liquid-ometer

Overall: Deal-ometer

Financial Information

Discover what happens to your investment in rising and falling markets.

Use our powerful financial risk/reward financial tool below to decide if this property suits your investment profile. Simply choose your preferred options from the different drop down menus to explore a range of different financial scenarios and understand what outcomes you can expect over a ten year investment period.

Property Type Square Metres Short Term ROI Price Estimated Market Value / ARV Rehab Cost Gross Monthly Rent Cost / Square Foot Monthly Rent / Square Foot Depreciable Closing Costs
Single Family 272.2 sq.m. -11% $144900 $128402 $1289 $49.45 $0.44

Forecast Income from the Property

The Forecast Income Statement for real estate rental property is an important financial statement for any property investor. And examines the income you will receive each year from rental income. If your after-tax cash low is negative in the first year of operation, then you will be feeding the property to keep it going. A positive after-tax cash flow indicates a profit. However this is not a static statement. And certain parameters can be edited to reflect your specific investment position and assumptions you have about the market. The parameters you can change are indicated in red with the term "Edit" alongside the relevant row. Whatever changes you make will affect not only your Forecast Income Statement but also the different risks that are measured and scored. For instance if you change the "Duration To Exit" to 36 months.. the Loan to Value to 95%... and the Hurdle Rate to 7% the complete risk model is adjusted.  Your Cash Flow Statement and relevant ratios will change. All your Risk Categories and Elements will change in the Deal RIsk Evaluation tab. And all the information in NPV And IRRProfile of Deal tab and Comparable Risk Analysis tab will also change to reflect your investment  specific profile.





 

Forecast Cashflows to the Investor

Your Cash Flow Statement calculates the different investment ratios important to your overall investment decision. And helps distill information for simple comparative analysis. This is not a static statement. And any input variables you edit in the Forecast Income Statement will affect all the information in this Cash Flow Statement. For instance, if you increase the Loan to Value above the Forecast Income Statement, then you will see an immediate change in the Ratios such as Cash on Cash Return.



What are your risks in this deal?

There is no such thing as a risk free investment. Because there is always a trade off: Deposit your money in low return money market funds and you more or less eliminate the risk to the principle you invested. But you run the risk of inflation eroding any returns you make. And also eroding the value of your principle capital. You could also run the risk of regulatory risk that may impact how and where your money is invested - including tax that you may have to pay. For risk averse investors, these are acceptable risks - despite the downside. Property investment is no different. And regardless if markets are rising or falling, there are risk factors to consider. Whatever your investment profile this section helps you to evaluate the different risk factors inherent in property investment. And scores each risk category to help you decide the value of the risks you face.



Risk Analysis Date: Monday 21st April 2014

Your Property-specific Risk on this deal barometer is 1.00

Index Scored Score
Bedroom count against average in ZIP code 0%
Bathroom count against average in ZIP code 0%
Additional attachments 10%
Age of property 0%

 

Your Property-specific Risk on this property is: Risk Neutral

 

What your risk classification means:
This Risk Neutral factor is highly unlikely to influence the overall risk position of the deal. And is a positive toward your overall consideration of the deal. However, this does not mean the deal is profit winner. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Regulatory Risk on this deal barometer is 0.00

Index Scored Score
FHA 90 day rule 0%
FHA 180 day rule 0%
FHA 360 day rule 0%
Existence of a secondary mortgage 0%
Unique regulatory risk 0%

 

Your Regulatory Risk on this property is: Risk Neutral

 

What your risk classification means:
This Risk Neutral factor is highly unlikely to influence the overall risk position of the deal. And is a positive toward your overall consideration of the deal. However, this does not mean the deal is profit winner. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Exit Risk on this deal barometer is 10.00

Index Scored Score
Against most expensive property in ZIP 40%
Total outlay against ARV 60%

 

Your Exit Risk on this property is: Danger Zone

 

What your risk classification means:
The Danger Zone Risk factor concerned has a very high degree of representation on the overall risk position of the deal. The risk factor in itself has reached a tipping point. We recommend you fully understand the variables which have led to Danger Zone before closing the deal. However, this does not mean the deal should be passed over or ignored. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Price Risk on this deal barometer is 11.00

Index Scored Score
Against median priced property in ZIP 40%
Against least expensive property in ZIP 20%
Market Action Index confidence level (Altos ) 50%

 

Your Price Risk on this property is: Relatively High Risk

 

What your risk classification means:
The Relatively High Risk factor has a high degree of representation on the overall risk position of the deal. We recommend you fully understand the variables that have led to a Relatively High Risk position before closing the deal. However, this does not mean the deal should be passed over or ignored. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Maturity Risk on this deal barometer is 5.00

Index Scored Score
Intial outlay to Market Value Ratio 40%
Five Year Wealth Creation % 10%

 

Your Maturity Risk on this property is: Relatively High Risk

 

What your risk classification means:
The Relatively High Risk factor has a high degree of representation on the overall risk position of the deal. We recommend you fully understand the variables that have led to a Relatively High Risk position before closing the deal. However, this does not mean the deal should be passed over or ignored. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Liquidity Risk on this deal barometer is 1.00

Index Scored Score
Days on Market 10%
Against median price per SQFT in ZIP 0%

 

Your Liquidity Risk on this property is: Risk Neutral

 

What your risk classification means:
This Risk Neutral factor is highly unlikely to influence the overall risk position of the deal. And is a positive toward your overall consideration of the deal. However, this does not mean the deal is profit winner. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Market Risk on this deal barometer is 9.00

Index Scored Score
Inventory movement 10%
Price range quartile 10%
Proportion of absorbed against other quartiles 40%
Proportion of new listings against other quartiles 40%

 

Your Market Risk on this property is: Relatively High Risk

 

What your risk classification means:
The Relatively High Risk factor has a high degree of representation on the overall risk position of the deal. We recommend you fully understand the variables that have led to a Relatively High Risk position before closing the deal. However, this does not mean the deal should be passed over or ignored. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Short-run Risk Analysis Score 43%

Risk Analysis Date: Monday 21st April 2014

Your Macro-economic Risk on this deal barometer is 4.00

Index Scored Score
MoM change in Unemployment rate 30%
MoM change in Housing Affordability Index 10%
Case-Shiller Index movement 20%
QoQ GDP Growth rate 0%

 

Your Macro-economic Risk on this property is: Improving

 

What your risk classification means:
This Improving Risk factor means the overall investment sentiment is showing signs of resilience with relevant macro-economic indicators improving against the previous month/quarter. The real estate market could present sizeable gains for the investor considering discounted deals. This does not mean this deal represents a sure profit winner. All other Risk factors must be considered together in order to arrive at an intelligent and informed decision that is consistent with your objectives.

Total Long-run Risk Analysis Score 42%

Risk Analysis Date: Monday 21st April 2014

Your LT Investment Risk on this deal barometer is 8.00

Index Scored Score
MIRR sensitivity to Rent Income 30%
MIRR sensitivity to Leverage 0%
MIRR Rate 10%
Net Present Value Vs Initial Outlay 0%
Capitalization rate 10%
Loan to Value 40%

 

Your LT Investment Risk on this property is: LT Hold

 

What your risk classification means:
Your LT Hold Risk factor means the long term prospects for the property are attractive. Steady income earner with reasonably good long term return opportunities.

Total Long-run Risk Analysis Score 42%

Short to Long Term Attractiveness Short Run Long Run Comparative Attractiveness
Best to Worst Case Comparison 43% 42% Long Term

Your investment returns

All investment decisions must be undertaken with a clear understanding of the exit route options available. This section demonstrates the NPV and IRR levels against each possible year of exit for the investor. This helps you to determine, based on your personal cash flows, what would be the best time for you to exit the property. The exit values for the property at each time juncture is determined using the capitalization ratio at the point of purchase.NPV (Net Present Value) is a widely understood indicator to determine the profitability of investment decisions. It is best understood as the net financial worth gained from an investment over a period of time in present value terms.  To calculate NPV cash flows across the full timeframe of an investment are taken into account. A positive NPV is indicative of the investment being profitable and a negative NPV otherwise. Assuming all other factors constant, the higher the NPV, the better it is for the investor.IRR (Internal Rate of Return) is used in a range of investment decisions as a benchmark for returns expected from a project. The IRR is the discount rate at which long term cash flows from an investment reaches zero. For example if an investment shows an IRR of 15%; this is the discount rate at which the cash flows of the investment net off (at zero) in present value terms. In comparison if the rate is 10% this means it takes a lower discount rate to net off the investment’s cash flows. Because of this, the higher the IRR; the more attractive the investment prospect is. IRR is often compared against an expected rate of return from an investment. The higher the IRR is against an expected rate of return, the better it is for the investor.



Compare this deal against other deals

Holding all other financial assumptions constant, this section compares the NPV of similar properties against the deal. Whilst a host of other risk factors must be taken into consideration, including the volatility of returns, this is a broad indicator that helps you to determine whether the deal’s NPV is comparable with similar deals. Is it way above the rest or unusually low? Have a look and know for sure that this is the right deal for you.