2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 Rent (M) " 16,000 " Rent (Y) " 192,000 " " 197,760 " " 203,693 " " 209,804 " " 216,098 " " 222,581 " " 229,258 " " 236,136 " " 243,220 " " 250,516 " " 258,032 " " 265,773 " " 273,746 " " 281,958 " " 290,417 " " 299,130 " " 308,104 " " 317,347 " " 326,867 " " 336,673 " " 346,773 " " 357,177 " " 367,892 " " 378,929 " " 390,296 " " 402,005 " " 414,066 " " 426,487 " " 439,282 " " 452,461 " " 466,034 " Rent (M) " 16,000 " Rent growth (%) 3% Rent growth (%) 3% Rent (cumulative) " 9,600,514 " Interest rate 5.53% Inflation 3% Purchase price " 5,800,000 " Spare cash appreciation (%) 6% REC commission 5% Property price growth (%) 1.0% LTV 90% Purchase price " 5,800,000 " Cash needed " 870,000 " Mortgage duration (Y) 30 Rent results "-4,603,677 " Interest rate 6% Purchase results "-4,603,677 " Mortgage payment (M) " 29,734 " Rent to purchase results 0 Mortgage payment (Y) " 356,812 " Property tax (Y) 700 Repair fund (Y) " 1,100 " Insurance (Y) " 2,000 " House management (Y) " 6,000 " Total non-mortgage costs (Y) " 9,800 " " 10,094 " " 10,397 " " 10,709 " " 11,030 " " 11,361 " " 11,702 " " 12,053 " " 12,414 " " 12,787 " " 13,170 " " 13,565 " " 13,972 " " 14,392 " " 14,823 " " 15,268 " " 15,726 " " 16,198 " " 16,684 " " 17,184 " " 17,700 " " 18,231 " " 18,778 " " 19,341 " " 19,921 " " 20,519 " " 21,135 " " 21,769 " " 22,422 " " 23,094 " " 23,787 " Inflation 3% Full costs (Y) " 1,236,612 " " 366,906 " " 367,209 " " 367,521 " " 367,842 " " 368,173 " " 368,514 " " 368,865 " " 369,226 " " 369,599 " " 369,982 " " 370,378 " " 370,785 " " 371,204 " " 371,635 " " 372,080 " " 372,538 " " 373,010 " " 373,496 " " 373,996 " " 374,512 " " 375,043 " " 375,590 " " 376,153 " " 376,733 " " 377,331 " " 377,947 " " 378,581 " " 379,234 " " 379,906 " " 380,599 " Full costs (cumulative) " 12,421,201 " Spare cash appreciation (%) 6% Spare cash " 870,000 " Spare cash (Y) " 870,000 " " 922,200 " " 977,532 " " 1,036,184 " " 1,098,355 " " 1,164,256 " " 1,234,112 " " 1,308,158 " " 1,386,648 " " 1,469,847 " " 1,558,037 " " 1,651,520 " " 1,750,611 " " 1,855,648 " " 1,966,986 " " 2,085,006 " " 2,210,106 " " 2,342,712 " " 2,483,275 " " 2,632,272 " " 2,790,208 " " 2,957,620 " " 3,135,078 " " 3,323,182 " " 3,522,573 " " 3,733,928 " " 3,957,963 " " 4,195,441 " " 4,447,167 " " 4,713,997 " " 4,996,837 " Rent costs " 9,600,514 " Rent revenues " 4,996,837 " Rent results "-4,603,677 " Property price growth (%) 1.0% Re-sell value " 5,800,000 " " 5,858,000.0 " " 5,916,580.0 " " 5,975,745.8 " " 6,035,503.3 " " 6,095,858.3 " " 6,156,816.9 " " 6,218,385.0 " " 6,280,568.9 " " 6,343,374.6 " " 6,406,808.3 " " 6,470,876.4 " " 6,535,585.2 " " 6,600,941.0 " " 6,666,950.4 " " 6,733,619.9 " " 6,800,956.1 " " 6,868,965.7 " " 6,937,655.4 " " 7,007,031.9 " " 7,077,102.2 " " 7,147,873.3 " " 7,219,352.0 " " 7,291,545.5 " " 7,364,461.0 " " 7,438,105.6 " " 7,512,486.6 " " 7,587,611.5 " " 7,663,487.6 " " 7,740,122.5 " " 7,817,523.7 " Purchase costs " 12,421,201 " Purchase revenues " 7,817,524 " Purchase results "-4,603,677 " Rent to purchase results 0 ##### Sheet/List 2 ##### Home 1 " 23,000,000 " Rent 1 " 12,000 " Home 2 " 21,000,000 " Rent 2 " 36,000 " Home 3 " 16,000,000 " Rent 3 " 35,000 " Home 4 " 25,000,000 " Rent 4 " 38,000 " Home 5 " 5,800,000 " Rent 5 " 16,000 "