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December 17, 2007

Analyze A Property's Investment Potential

The free widget below provides a basic analysis of a property's investment potential. A paid version also is available and provides more flexibility in the way data can be imputed and analyzed, but the free version below provides a decent analysis.

I tell clients interested in investment properties who want to take a conservative, and I would suggest smart, approach to investing in real estate, such as a multi-family property, to assume rental property will be rented 45 months out of the next 60 months (on average nine months per year). For example, if the rental income is $2,400 per month, then multiply $2,400 by nine to get a conservative estimate of annual income.

Your property may be fully rented in the first two years, but vacant nine months in year three. You just can't predict it. If it does better than that, great, you have that much more cash to invest in your second property.

Of course, if you plan to occupy a part of the property, then your analysis would be a little different. If it is a commercial property, and you are certain you can obtain a long-term lease with a financially solid tenant (two big "ifs"), using 45 months rented out of the next 60 for your analysis might be a little too conservative.

Use the link in the right-hand column to get foreclosure property listings in communities you are interested in.

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