Maine has the efficiency Maine program, of course, which can reimburse for some energy upgrades.

Prepared By     Key Investment Criteria Client Name     Max Offer  $       425,000   Property Address     Down Payment  $                 -    Number of Units 12   Cash Flow (Per 100K) $88.30   List Price  $     425,000 % of List Price   Cash Flow (Monthly)  $         375.29   Offer Price  $     425,000 100%   Total Cash In  $    10,000.00   ARV/Appraised Value  $     450,000   Debt Service CR 1.16 Pref >1.2 Discount (%,$) 0%  $                 -     Debt Yield Ratio 7.65% Pref >10% Purchase Price (Max Offer Price)  $     425,000     Cap Rate 7.47% Pref >8% Percent Down 0%     LTV 1.00 Pref <.75 Down Payment Amount  $               -      Rent/Price Ratio 1.35% Pref 1.25% Amount Financed  $     425,000     COC ROI Year 1 218.0%   Interest Rate 5.20%     (Exp+Int)/Income 84%   Costs of Repairs  $         5,000     Gross Rent Multiplier 6.3 Pref <9 Closing Costs  $         5,000     COC Return 45.0% Pref >10% Total Cost  $     435,000     Break Even Ratio 93% Pref <85% Length of Mortgage (Years) 30     Expense Ratio 53% ~50% Payment Monthly Annual   ARV-Total Cost  $         15,000   Monthly Mortgage Payment $2,333.72  $      28,004.65   % Investment of ARV 96% Pref <75%     10 year Return 65% $284,164 Rental Income Monthly Annual   15 Year Return 113% $490,037 Unit A (10 unit Apt)  $    4,550.00  $      54,600.00   20 Year Return 172% $748,269 Unit B (Duplex)  $    1,250.00  $      15,000.00       Unit C  $               -   $                  -    DSCR greater than 1.45 1.16 Unit D  $               -   $                  -    Standardized Cashflow >180 $88.30 Gross Rental Income  $    5,800.00  $      69,600.00   LTV less than .76 1.00 Vacancy Rate 8%     ROI year 1 greater than 20% 218.0% Net Rental Income  $    5,336.00  $      64,032.00   Expense ratio between 45 and 55% 53%     Positive initial equity  $     15,000 Expenses Monthly  Annual   15 year return greater than 115% 113% Property Management Fees  $           320.16  $       3,841.92 6.0% Total Cash In Less than 50K  $     10,000 Leasing Costs  $                  -    $                  -  0% DYR greater than 9%   7.65% Maintenance Reserve  $           750.00  $       9,000.00         Utilities  $           375.00  $            4,500         PropertyTaxes   $           640.17  $       7,682.00     Insurance  $           325.00  $       3,900.00       Other (Snow, Lawn Care, Trash, etc)  $           216.67  $       2,600.00     Total Expenses  $    2,626.99  $      31,523.92               Net Operating Income  $    2,709.01  $      32,508.08                   Mortgage Payment  $    2,333.72  $      28,004.65         Total Cash In (Downpayment + Repairs)   $   10,000.00           Net Cash Flow  $       375.29  $       4,503.43                   Investment Analysis         Appreciation Rate (20 YR AVG = 4.4%) 2.5%           Rent Appreciation (20 YR AVG = 3.1%) 2.5%         Cost to Sell Property 0.0%        

No entry basement conversion complaint .CN196029Post name, address, and telephone of owner, owner's agent for managing, controlling or collecting rents, and any other person managing or controlling building conspicuously where accessible or visible to public way. (13-12-030)Building - No owner's I.D. sign posted .

@Josh Caldwell it might be worth having your attorney and CPA look into clauses that address taxation, foreign asset control regulations and economic impacts.

Also, an efficiency apartment.

Near San Tomas Aquino it took me 3 months not able to fill a brand new 3/2 with a Saratoga address.

Does anyone have advice regarding how to compile a professional, efficient financial packet to present to banks and lenders?

This gives you a chance to sub divide HVAC between units.Heat pumps are getting very efficient and very cheap.

I had the idea of trying to save money and keep the flooring in the kitchen and then I was gonna do other flooring in the the rest of the house, but then I would have 3 different types of flooring...so initially we didn't demo the floor but  then decided to replace it all so we wasted some time and efficiency here.  

Just do the screening using your email address.