$836,000 Mambourin IL: Lot 2469 Prescott ST, Mambourin 3024, AU

Lot 2469 Prescott ST Windermere Estate, Mambourin, 3024

Commercial (Special-Purpose): 3 rooms: 4 bedrooms , 4 bathrooms

Year built: 2024, Size: 208 SM

Investment strategy: Rental Property

The information presented in this presentation regarding the rental potential of National Disability Insurance Scheme (NDIS) Specialist Disability Accommodation (SDA) is intended for informational purposes only and should not be construed as financial, legal, or investment advice. Investment in NDIS SDA properties carries inherent risks, and individual circumstances can greatly impact rental potential. We strongly advise consulting with qualified professionals, including financial advisors, legal experts, and real estate professionals, to assess the suitability of NDIS SDA investments for your specific situation. We disclaim any responsibility for decisions made based on the information provided in this presentation.

Purchase Price$ 836,000

Rent$ 14,856/mo

Monthly Cash Flow$ 6,665

Cash on Cash Return57.84 %

Financial Analysis

Cash on Cash Return	57.84 %
Internal Rate of Return (IRR)	60.46 %
Capitalization Rate	17.58 %
Gross Rent Multiplier (GRM)	4.69
Debt-coverage Ratio (DCR)	2.19
Operating Expense Ratio (OER)	13.24 %

Financial Breakdown

Purchase Price	$ 836,000
Purchase Costs	$ 54,675
Repair/Construction Costs	$ 0
Total Capital Needed Total Capital Needed Includes all projects costs (except selling costs). Total Capital Needed Includes all projects costs (except selling costs).	$ 890,675
Financing	$ 752,400
Total Cash Needed Cash out of Pocket Shows rehabber's cash outlay. Cash out of Pocket Shows rehabber's cash outlay.	$ 138,275
Cash at Closing Cash at Closing This number includes down payment and loan points. Cash at Closing This number includes down payment and loan points.	$ 83,600
Cash During Rehab Cash During Rehab Shows the cash amount remaining to fund the purchase and rehab/construction. Cash During Rehab Shows the cash amount remaining to fund the purchase and rehab/construction.	$ 54,675

Operating Analysis

Rent	$ 14,856/mo
Gross Operating Income (GOI)	$ 169,358
Total Expenses	$ 22,424
Net Operating Income (NOI)	$ 146,934
Annual Debt Service	$ 66,957
Cash Flow Before Taxes (CFBT)	$ 79,977
Income Tax Liability	$ 0
Cash Flow After Taxes (CFAT)	$ 79,977

Suitable for 3 SDA Participants with Overnight Carer Accommodation

Purchase Price	$ 836,000
Address	Lot 2469 Prescott ST Windermere Estate, Mambourin, 3024, AU
Year Built	2024
Type	Commercial
Category	Special-Purpose
Size	208 SM
Bedrooms	4
Bathrooms	4
Rooms Total	3

Lot 2469 Prescott ST Windermere Estate Mambourin, 3024

$ 14,856

Rent
Commercial

Bldg type
208

SqFt
4

Beds
4

Baths

Your rent is reasonable for the area.

Average

$ 0

Median

$ 0

25th %

$ 0

75th %

$ 0

Annual Property Operating Data

Incomes		% of GOI
Gross Scheduled Income Gross Scheduled Income (GSI) Represents the total of monthly rents for the particular property, including the potential rents from vacant units and uncollectable rents. Gross Scheduled Income (GSI) Represents the total of monthly rents for the particular property, including the potential rents from vacant units and uncollectable rents.	$ 178,272
Total Gross Income	$ 178,272
Vacancy loss Vacancy and Credit Loss Part of the potential rental income that is lost because of unoccupied units or uncollectable rent from tenants. Vacancy and Credit Loss Part of the potential rental income that is lost because of unoccupied units or uncollectable rent from tenants.	$ 8,914
Gross Operating Income Gross Operating Income (GOI) An actual income which is expected to be collected in the property. Gross Operating Income (GOI) An actual income which is expected to be collected in the property.	$ 169,358	100.00 %
Expenses Operating Expenses Expenses necessary for maintaining the property and ensuring its continued ability to produce income (doesn't include mortgage payments or depreciation). Operating Expenses Expenses necessary for maintaining the property and ensuring its continued ability to produce income (doesn't include mortgage payments or depreciation).
SDA Provider	$ 9,900	5.85 %
Council Rates	$ 2,500	1.48 %
Insurance (comm)	$ 2,500	1.48 %
Water supply	$ 750	0.44 %
Misc maintenance	$ 6,774	4.00 %
Total Expenses	$ 22,424	13.24 %
Net Operating Income Net Operating Income (NOI) Important measurement calculated as gross operating income minus operating expenses. Net Operating Income (NOI) Important measurement calculated as gross operating income minus operating expenses.	$ 146,934	86.76 %

Cash Flow (Year 1)

Net Operating Income	$ 146,934	86.76 %
Annual Debt Service	$ 66,957	39.54 %
Cash Flow Before Taxes (CFBT) Cash Flow All the inflows and outflows of cash for a certain property (including mortgage payments). We can calculate cash flow before taxes (CFBT) or cash flow after taxes (CFAT) which is CFBT minus any tax liability arising from the operation of the property. Cash Flow All the inflows and outflows of cash for a certain property (including mortgage payments). We can calculate cash flow before taxes (CFBT) or cash flow after taxes (CFAT) which is CFBT minus any tax liability arising from the operation of the property.	$ 79,977	47.22 %
Income Tax Liability	$ 0	0.00 %
Cash Flow After Taxes (CFAT) Cash Flow All the inflows and outflows of cash (including mortgage payments). We can calculate cash flow before taxes (CFBT) or cash flow after taxes (CFAT) which is CFBT minus any tax liability arising from the operation of the property. Cash Flow All the inflows and outflows of cash (including mortgage payments). We can calculate cash flow before taxes (CFBT) or cash flow after taxes (CFAT) which is CFBT minus any tax liability arising from the operation of the property.	$ 79,977	47.22 %

Operating Ratios

Operating Expense Ratio Operating Expense Ratio Ratio of the operating expenses to the gross operating income (GOI). Operating Expense Ratio Ratio of the operating expenses to the gross operating income (GOI).	13.24 %
Break-Even Ratio Break-Even Ratio (BER) Another benchmark used by mortgage lenders, estimating how vulnerable is a certain property to defaulting on its mortgage if part of the rental income is declined. Most of the lenders are looking for BER of 85% or less. Break-Even Ratio (BER) Another benchmark used by mortgage lenders, estimating how vulnerable is a certain property to defaulting on its mortgage if part of the rental income is declined. Most of the lenders are looking for BER of 85% or less.	52.78 %

Financial Measures

Net Present Value Net Present Value (NPV) Probably the best measure of any investment thanks to its complexity; taking into account all future cash flows including the selling price, and it converts all these amounts to their present values using discount rate required by the investor. More information and an example on the blog. Net Present Value (NPV) Probably the best measure of any investment thanks to its complexity; taking into account all future cash flows including the selling price, and it converts all these amounts to their present values using discount rate required by the investor. More information and an example on the blog.	$ 1,793,744
Internal Rate of Return Internal Rate of Return (IRR) Rate which an investment will return over the estimated period of ownership. It is in fact the discount rate that produces NPV of zero. Internal Rate of Return (IRR) Rate which an investment will return over the estimated period of ownership. It is in fact the discount rate that produces NPV of zero.	60.46 %
Profitability Index Profitability Index Similar to NPV, also calculates with the present values of future cash flows and discount rate. It shows whether the present value of the cash flows is worth the initial investment. Good investment should be above 1.0 Profitability Index Similar to NPV, also calculates with the present values of future cash flows and discount rate. It shows whether the present value of the cash flows is worth the initial investment. Good investment should be above 1.0	13.97
Annual Depreciation	$ 15,005

Holding period of 20 years and discount rate of 5.00% were used for calculation of NPV and IRR. The rest of the financial measures are for the 1st year only and therefore don't provide such an exact information.

Investment Return Ratios

Cash on Cash Return Cash on Cash Return Ratio between annual cash flow before taxes and the total initial investment, expressed as a percentage. It does not take in account the future value of money. Cash on Cash Return Ratio between annual cash flow before taxes and the total initial investment, expressed as a percentage. It does not take in account the future value of money.	57.84 %
Return on Investment Return on Investment Very similar to Cash on Cash Return, but also takes in account appreciation of the property in the first year. Return on Investment Very similar to Cash on Cash Return, but also takes in account appreciation of the property in the first year.	88.07 %
Capitalization Rate Capitalization Rate Calculated as ratio of the net operating income and the value of the property. Capitalization Rate Calculated as ratio of the net operating income and the value of the property.	17.58 %
Gross Rental Yield Gross Rental Yield Used for a particular property or also as a market indicator when using median values of rent and house prices - counted from gross scheduled rent and initial investment. Gross Rental Yield Used for a particular property or also as a market indicator when using median values of rent and house prices - counted from gross scheduled rent and initial investment.	21.32 %
Gross Rent Multiplier Gross Rent Multiplier (GRM) Counted as a ratio of market value of the property and gross scheduled income. Gross Rent Multiplier (GRM) Counted as a ratio of market value of the property and gross scheduled income.	4.69

Financing
Down Payment		$ 83,600
NDIS		$ 752,400
Loan to Value Ratio Loan to Value Ratio Shows sum of all purchase and rehab loans divided by purchase price. Loan to Value Ratio Shows sum of all purchase and rehab loans divided by purchase price.		90.00 %
Loan to Cost Ratio Loan to Cost Ratio Shows sum of all purchase and rehab loans to construction cost (purchase price + repairs). Loan to Cost Ratio Shows sum of all purchase and rehab loans to construction cost (purchase price + repairs).		90.00 %
Debt Coverage Ratio		2.19

NDIS Financing of: Purchase price ($ 836,000)
Type	Amortized
Loan Amount	$ 752,400
Down payment (10%)	$ 83,600
Amortization	25 years
Interest Rate	7.54 %
Monthly Payment	$ 5,579.76

This chart shows the process of accumulation of investor's equity. There is some equity created right at the beginning with the rehab/construction and later investor's equity is rising by paying off the principal of the loan and also by appreciation over the years. All the green parts is the cummulative equity belonging to the investor and the red part belongs to the lender.

Year	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20
Operational Analysis
Gross Scheduled Income	0	178,272	180,946	183,660	186,415	189,211	192,050	194,930	197,854	200,822	203,834	206,892	209,995	213,145	216,342	219,588	222,881	226,225	229,618	233,062	236,558
Vacancy Loss	0	8,914	9,047	9,183	9,321	9,461	9,602	9,747	9,893	10,041	10,192	10,345	10,500	10,657	10,817	10,979	11,144	11,311	11,481	11,653	11,828
Gross Operating Income	0	169,358	171,899	174,477	177,094	179,751	182,447	185,184	187,962	190,781	193,643	196,547	199,496	202,488	205,525	208,608	211,737	214,913	218,137	221,409	224,730
Expenses	0	22,424	22,873	23,330	23,797	24,273	24,758	25,253	25,759	26,274	26,799	27,335	27,882	28,440	29,008	29,588	30,180	30,784	31,400	32,028	32,668
Net Operating Income	0	146,934	149,026	151,147	153,298	155,478	157,689	159,930	162,203	164,507	166,843	169,212	171,614	174,048	176,517	179,020	181,557	184,130	186,738	189,382	192,062
Loan Payment	0	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957	66,957
Payment Interest Part	0	56,370	55,544	54,653	53,692	52,657	51,540	50,337	49,040	47,641	46,133	44,507	42,755	40,866	38,829	36,633	34,266	31,714	28,963	25,997	22,800
Payment Principal Part	0	10,587	11,414	12,304	13,265	14,300	15,417	16,620	17,918	19,316	20,824	22,450	24,202	26,091	28,128	30,324	32,691	35,243	37,994	40,960	44,157
Cash Flow
Repairs/Construction	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Flow Before Taxes	-138,275	79,977	82,069	84,190	86,340	88,521	90,732	92,973	95,246	97,550	99,886	102,255	104,657	107,091	109,560	112,063	114,600	117,172	119,780	122,424	125,105
Depreciation	0	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005	15,005
Taxes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Flow After Taxes	-138,275	79,977	82,069	84,190	86,340	88,521	90,732	92,973	95,246	97,550	99,886	102,255	104,657	107,091	109,560	112,063	114,600	117,172	119,780	122,424	125,105

Note: All amounts in the table above are in $

Resale Price Evaluation Methods

The property is sold after 20 years. Below is the resale price calculated using different methods.

Appreciation (5.00%)	$ 2,218,157
Cap Rate (17.58%) & NOI	$ 1,092,504
Gross Rent Multiplier	$ 1,109,458

Sale Proceeds

Projected Selling Price	$ 2,218,157
Costs of Sale (2.20%)	$ 48,799
1. Loan Balance Payoff	$ 278,196
Net Sale Proceeds Before Tax	$ 1,891,162

In the resale analysis we do not include any calculation for taxes that might be owed on sale of the property. The tax laws for the resale are rather complex and subjected to frequent changes.

Net Assets and Yield

Net Assets
Sale Proceeds Before Tax	$ 1,891,162
Investor Cash Outlay	$ 138,275
Net Assets	$ 1,752,887
Average Yield
Annual Net Assets	$ 87,644
Average Cash Flow (After Taxes)	$ 95,354
Average Annual Gain (After Taxes)	$ 182,999
Average Annual Yield (After Taxes)	21.89 %

This charts shows Net Present Value (NPV) when property is sold in various years, i.e. when sold in 5th year, the NPV is calculated from 5 years of Cash Flow (including the selling price) and this NPV is displayed in year 5. Optimal holding period can be estimated, using this method - when NPV is the highest. Please note that appreciation growth can change these numbers greatly. It sometimes makes sense to sell the property even before the end of the mortgage term.

Lender Summary for NDIS

Financing of: Purchase price
Type: Amortized
Amortization: 25 years

Loan Assumptions		% of ARV
After Repair Value	$ 0	0.00 %
Purchase Price	$ 836,000	%
Purchase Costs	$ 54,675	%
Repair Costs	$ 0	0.00 %
Holding Costs	$ 0	0.00 %
Total Capital Needed Total Capital Needed Includes all projects costs (except selling costs). Total Capital Needed Includes all projects costs (except selling costs).	$ 890,675	%
Financed Amount	$ 836,000	%
Down payment (10%)	$ 83,600	%
Loan Amount	$ 752,400	%

Lender Returns
Interest Rate	7.54 %
Interest Income	$ 921,528
Total Income to Lender	$ 921,528
Lender's ROI	122.48 %
Lender's Annualized ROI	4.90 %

Property Report: $836,000 Mambourin IL RENTAL PUBLISHED

Property Report :

$836,000 Mambourin IL

Lot 2469 Prescott ST Windermere Estate, Mambourin, 3024

Executive Summary

Lot 2469 Prescott ST Windermere Estate, Mambourin, 3024

Financial Analysis

Financial Breakdown

Total Capital Needed

Total Capital Needed

Cash out of Pocket

Cash out of Pocket

Cash at Closing

Cash at Closing

Cash During Rehab

Cash During Rehab

Operating Analysis

Property Description

$ 14,856

Rent

Commercial

Bldg type

208

SqFt

4

Beds

4

Baths

Rentometer®

Rentometer®

Operating Analysis

Annual Property Operating Data

Gross Scheduled Income (GSI)

Gross Scheduled Income (GSI)

Vacancy and Credit Loss

Vacancy and Credit Loss

Gross Operating Income (GOI)

Gross Operating Income (GOI)

Operating Expenses

Operating Expenses

Net Operating Income (NOI)

Net Operating Income (NOI)

Cash Flow (Year 1)

Cash Flow

Cash Flow

Cash Flow

Cash Flow

Operating Ratios

Operating Expense Ratio

Operating Expense Ratio

Break-Even Ratio (BER)

Break-Even Ratio (BER)

Financial Analysis

Financial Measures

Net Present Value (NPV)

Net Present Value (NPV)

Internal Rate of Return (IRR)

Internal Rate of Return (IRR)

Profitability Index

Profitability Index

Investment Return Ratios

Cash on Cash Return

Cash on Cash Return

Return on Investment

Return on Investment

Capitalization Rate

Capitalization Rate

Gross Rental Yield

Gross Rental Yield

Gross Rent Multiplier (GRM)

Gross Rent Multiplier (GRM)

Financing Overview

Loan to Value Ratio

Loan to Value Ratio

Loan to Cost Ratio

Loan to Cost Ratio

Long-term Cash Flow Forecast

Resale Analysis

Resale Price Evaluation Methods

Sale Proceeds

Rentometer^®

Rentometer^®