Tenants pay for their own water.1957/month23484/yearlyEXPENSESmortgage: 745.11total operating expenses: 822.22 (includes vacancy, insurance, capex, electricity) = 1567.33/month18807.96/yearlyNOI:$13,617.40Income-Expense Ratio (2% Rule):1.09%Total Initial Equity:$41,200.00Gross Rent Multiplier:7.39Debt Coverage Ratio:1.52Cash flow is 389.67 and cash on cash roi is 11.49%.

If I had a 1200 square foot unit, I could multiply the $1.52 * 1200 to get $1824 per month target rent.

., 4% int.)Cash Flow: $12,671Cash on Cash: 3.52%Debt Coverage Ratio: 1.26Gross Rent Multiplier: 14.29Occupancy Break Even Point: 84.91%PROFORMAIncome: $158,400 (market rents)Expenses:  $23,205 (27.63% EGI, $3,867 per unit)NOI: $135,195Debt Service: $48,123 (30% down, 30yr am., 4% int.)Cash Flow: $87,071Cash on Cash: 24.19%Debt Coverage Ratio: 2.81Gross Rent Multiplier: 7.58Occupancy Break Even Point: 45.03%Exit StrategyPROFORMA VALUE: $2,703,900 (NOI/5 CAP)Cash-out Refinance: $2,027,925 (75% LTV) Loan Principal Balance: $840,000Initial Investment: $360,000 (down payment)Net Profit: $827,925

Multiply the credit limits you are able to get by 14.5%, don't let the balance of either card go above that.That number is your "I love you" budget for each month.Buy your significant other two things (one on each card) a month that total less than the 14.5% number.As soon as your bill comes, pay the balance off in full.The next day, go buy your significant other something else nice. 

I've set my minimum for a quad to $200 per unit after all expenses and mortgage payment.4plex Property Report:Address: 4plex, USA, Beds/Baths: 8 / 8Type: Multi-Family** Purchase **Purchase Price: $288,000 ($0/sq ft)Purchase Costs: $8,640Rehab Costs: $0** Financing **Down Payment: $72,000 (25%)Mortgage Amount: $216,000Total Cash Needed: $80,640** Cash Flow (Monthly) **Rent: $3,000Vacancy: -$249 (8.3%)Expenses: -$1,318Net Operating Income: = $1,433Mortgage Payment: -$1,160Cash Flow: = $273** Returns **Cap Rate: 6%Cash on Cash: 4.1%Return on Investment: -3%Internal Rate of Return: 8%Rent to Price: 1%Gross Rent Multiplier: 8Powered by DealCheck Mobile Apphttp://DealCheckApp.com

(Gross Rent Multiplier) I have two houses where the GRM at purchase was less than 100 (better), and a number of others where it was greater than 100.  

If you multiply these scenario by 4 homes and I can't use any rental income, you can see why my debt to income ratios would be out of whack unless the HELOC will consider the rental income off these homes.

i see what the arv is and then i multiply it by .7 and i give them that as the ballpark number. 

Purchase Price:$78,000.00Purchase Closing Costs:$1,500.00Estimated Repairs:$10,000.00Total Project Cost:$89,500.00After Repair Value:$90,000.00Down Payment:$5,250.00Loan Amount:$72,750.00Amortized Over:30 yearsLoan Interest Rate:4.00%Monthly P&I: $347.32Total Cash NeededBy Borrower:$16,750.00Monthly Income: $1,300.00Monthly Expenses: $1,011.15Monthly Cashflow: $288.85Pro Forma Cap Rate: 8.53%NOI: $7,634.00Total Cash Needed: $16,750.00Cash on Cash ROI: 20.69%Purchase Cap Rate: 9.79%Total operating expenses: $663.83Mortgage expenses: $347.32Vacancy:$78.00Repairs :$130.00CapEx:$130.00Insurance:$100.00Management:$130.00P&I:$347.32Property Taxes:$95.83Income-Expense Ratio (2% Rule): 1.45%Total Initial Equity: $17,250.00Typical Cap Rate: 8.00%Gross Rent Multiplier: 5.00Debt Coverage Ratio: 1.83%ARV based on Cap Rate: $95,425.00Income-Expense Ratio (2% Rule): 1.45%Total Initial Equity: $17,250.00Typical Cap Rate: 8.00%Gross Rent Multiplier: 5.00Debt Coverage Ratio: 1.83%ARV based on Cap Rate: $95,425.00

Purchase Price: $230,000.00Year built: 2009Income expense ratio: 1.13%Gross Rent Multiplier: 7.37Debt Coverage Ratio: 1.48%Monthly income: $2600 (assuming both sides occupied and no section 8 tenant)Monthly Expenses: $2070Monthly Cash Flow: $530My main question is: Since Ill be occupying one side for a year, will it be worth it to have negative cash flow for a few months to a year while the section 8 tenant is occupying and I am occupying the other side?