Cash Flow Analysis Unit 2105, 87 Berry St North Sydney NSW 2060

A. Purchase Price B. Settlement Costs: Govt. Stamp Duty Legal Fees (Solicitor/Conveyance fee) Building Inspection Pest Inspection Title search Buyer's Agent Fees NSW

$ $ $ $ $ $ $

565,000 20,915 950 100 100 -

Purchase

Loan Amount LVR % Interest rate % Loan

430,000 76% 6.15%

C. Loan Costs: Lender's Mortgage Insurance (LMI) $ Loan Application fees $ Other Loan costs (bank valuation, registration of mortgage, $ etc) D. Renovations:

650 200

Renovations

Internal Renovations (if any) External Renovations (if any)

$ $

2,500 500

Dr Total Purchase Price Paid by: Loan Amount Your Deposit Settlement Costs Loan Costs Renovations $

Cr 590,915

Funding

76% $ 24% $ $ $ $ $

430,000 135,000 22,065 850 3,000 590,915 $ 590,915 160,915 625 2,708 32,500 48 6.60%

Your Initial Cash Outlay Rent per Week ~ Rent Per month ~ Rent per Annum Occupancy Factor Property management fees %

Rental

$ $

Inflow + Rent Receivable - Interest Payable - Council rates - Water rates - Strata Levies (Body corporate) - Landlord Insurance - Building & Contents Insurance - Property management fees - Repairs & Maintenance (roughly per year) - Yearly Pest treatment $ 30,000 $ $ $ $ $ $ $ $ $

Outflow 26,445 1,100 640 3,000 700 1,980 300 -

Accountant's Fees Legal Fees Stationary, Phone & postage Travel expenses Annual tenancy renewal fees Sum Total Profit/Loss (Before Tax) $ 30,000

$ $ $ $ $ $

100 50 100 34,415

-4,415

Profit/Loss (Before Tax) Depreciation (Non-CF Loss) Final Transaction Summary Other Deductibles (Reno & Loan costs) P&L (for Tax) Tax Credits Profit/Loss (After Tax) Cash Flows weekly monthly per annum Growth * Estimated suburb growth rate (per annum) Estimated Return (per annum)

-4,415 -10,875 -770 -16,060 5,942 1,527 Befor Tax -85 -368 -4,415 After Tax 29 127 1,527

11.00% 62,150