If you are living in it you need to allocate the expenses to the rental vs yourself and the Maintenance that is on the house associated with the rental needs to be subtracted from the profit you list.

When the outlay occurs, owners will often think of this as an investment in the property and not subtract it from their returns when doing their calculations.

Let's say you can find a lender to do 90% CLTV (might be possible with owner occupied).0.9 x 270K = 243KSo 243K is the total loan balance you would be permitted; subtract the principal balance of your primary loan from that 243K and you'll get your potential equity amount.Don't know about seasoning ...

Subtract $330 for P&I and that leaves cash flow of $270 a month or $3240 a year.

I have also noticed in some examples that people add their principal from their mortgage payments to the cash flow number and then subtract the deduction number?

The allowance made toward the down payment are amounts paid outside of closing and subtracted from the sale price at closing.

Start adding up all the extras in one’s lifestyle and subtract this and the car payments, rent, cigarettes, beer ... and you will find out you may have a difficult time collecting payments.I have learned ways around this problem.

Lets say your bank has a 10 mortgage limit, you've now subtracted 1 from your combined total of 20 because of the co-signing.

At 5 years you subtract 250K from $19,500 (12K at 5 years ($2400 a year in our math above) and $7,500 NRF to offer a final adjusted selling price of $230,500.Hope this makes sense and helps.Regards,John

It is:Gross rents x 50% = Cash Flow before debt service (the 50% includes taxes, insurance, property management, utilities paid for by owner, maintenance, vacancies, etc).Once you have that number, subtract your debt service payment (principal and interest), and you will have the cash flow.Without the actual rents or your loan details, it's hard to provide an accurate example.