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1. 9 Property Notes Add notes for this property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 7 Copyright MV Software Pty Ltd 2010 Property Screen Scenarios column Menu This list displays all of the saved scenarios for the 1 Scenario List selected property This list contains all scenarios saved for the selected A scenario is an analysis scenario which allows property ou to save a Set of financial data for the selected Scenario Name Le 2 Delete No Scenario Name Delete the selected scenarios This will not delete 1 Example Scenario x 5 Property Investment Calculator allows you to create the property and save multiple scenarios for each property 1 Major Renovation This enables you to adjust different financial 3 Clone Cashflow Positive variables and compare the investment reports to see Clone the selected scenario and all of its financial Capital Growth Negative Geared how the changes affect the financial performance of _ details the property 4 New If you are updating the financials on an existing Create a new blank scenario containing no financial scenario but don t want to overwrite it with the data This will be added to the saved scenarios for new dat
2. This may be used in calculating stamp duty for this scenario Certain states in Australia have different stamp duty rates depending on whether the property is an investment or a family home i invesment _ Home Alap duty rates wer for ech oe a A Soe we py erent tated Mee Pee protease 4 Edit Scenario Notes ribet Eai for enovason and rena Enter notes for the selected scenario pineal oa Emeta St Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 10 Copyright MV Software Pty Ltd 2010 Map View Menu To view a property s location in Google Ge Property Imestment F Faka A Maps click the map button located in the preview column on the properties screen and also on the summary panel in the financial or report screens Internet connection required Web Images Videos Maps News Shopping Gmail more My Profile A New Web History My Account Help Sign out Google maps Search Maps Bimm pru Perean Parga pyr Get Directions My Maps G Pdot E Send Link F 7 Fy J F y 7 i Sydney NSW im I 9 Australia A Directions Search nearby Saveto mort Explore this area hom j Tinin th Grssl User Created Maps T craters Sv
3. This will save a data file called My Properties YYYY MM DD USR to your desktop containing all of your properties notes financial scenarios reports and photos Now you can easily transfer every property to another Property Investment Calculator user Importing a single property Step 1 Choose Import Properties from the File menu Step 2 Navigate to the property folder you want to import Step 3 Select any one of the files inside of the property folder to import there may be up to 4 files It does not matter which of the files you open Importing all of your properties Step 1 Choose Import Properties from the File menu Step 2 Select the My Properties YYYY MM DD USR file you want to import Imported properties will be added to your properties list and will not overwrite existing properties If multiple properties with the same address exist after importing has completed refer to the Last updated date and time stamp on the Preview Scenario panel on the Properties Screen to determine which version is the most recent Property Investment Calculator fa Close 12 Metusegan Si 108 Curdi 31 158 Hoile Rosj 13 Huotiaeor A 1SHgh St 22 Rahina 51 54 Fire 51 TS Bahoo Fi ki tant H 69 Cae 51 1a Saimi AVE T Leona Mg ob Dine Ad Edit Go Help Financials Seanario Repons Import Properties Export Selected Property Export All Properties Check for upilates prm arahan Arent roberto A Biy am
4. Year g xe OA UR VR ales E PE VA A Year 10 4 Sle ejejoja ojajojs s ejs ejlejeaja ejajaja of S S SB aa Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 17 Copyright MV Software Pty Ltd 2010 Annual Income amp Expenses Rental income Menu 10 Year Average Rental Income 1 Rent PW This option allows you to enter the current weekly Bee ee ee eee eas aoa 4h Vear Variable rental amount The amount will then be automatically 2 WKs Vacant ee increased annually by the percentage of the CPI Consumer Price Index Enter the estimated number of weeks you expect this property to be vacant without a tenant tU rear Average Renta incrjasea By oF ear Rent PML Wis Vacant Rent PA 3 Rent PA This total is automatically calculated as the annual ae handed 5 rent less any vacant weeks Year 412 2 20 600 Year3 424 2 21 200 10 Year Variable Rental Income 4 Rent PW Year 4 437 2 21 850 This option allows you to enter a specific rental SL fe fe NCS PET RERE veers 450 2 22 500 income amount for each individual year over a 5 WKs Vacant Year 6 464 2 23 200 doa te ana on torre acena Enter the estimated number
5. it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Selecting the type of funds used Menu Property Investment Calculator allows you to select the type of funds you will be using for certain costs If the funds are borrowed it will calculate the interest on those funds Before you start entering financial data for your properties familiarise yourself with the type of funds that can be used Cash Select cash when you are using physical cash or savings only If you are borrowing the funds and will be paying interest on the amount borrowed do not use this option Cash Savings 30k savings No interest used for deposit charged on cash to buy investment funds used property Q Investment Property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Equity Select equity when you are withdrawing equity funds from another property The most common example of this is when you are using equity from your family home to pay for the deposit on an investment property When yo
6. so IHI Previous os oom i Pe a ami Com ia i i barns kua khi i E en Te HH i ro r i 1 Timi on Mano eee i jm ater bene r si t of i 3 a o J Seed tm GE r om ame tay on re i 1 r n e O j m t_ rarem Pami in mm m i 1 n z ic c i ee ey i fom om ol i I Sar i Es m k i om og ma i Pr Taa maa Raa ba ii gpi bhri Bi h OLUMU n l emmi Pei jk dm trieg umee re ay ees a iy feng Seer toy oh E leye Pee oe a as i eee Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 42 Copyright MV Software Pty Ltd 2010 Capital Expenses Menu In this section learn how to enter all of the capital expenses for your property ci T _ Scenario Financials scenario Reports Eo rya rh f ly a a a Properties Portfolio Tracker i aleulatar Capital EXPENSES are associated with Capital Expenses Annual Income amp Expenses Tax amp Market Factors the purchase renovation and sale of a property rampie scenario mmm Crows nest Se es ee e Sydney NSW Bathrooms 1 Deposit 36 000 i lM Loan Establishment Costs improvements Capitalise Year 1 Cash lve i Capitalise Yoar
7. 2 Casn Valuation Fees Capitalise ml Year3 Gash Other Year 4 Gash Total lt F YearS Cash Year Cash Year 7 Gash Year 6 Cash Year Gash Yeari0 Cash Total Value Add Margin Step 3 Part A Capital Expenses G Watch Video Tutorial Market Value at Year Purchase Price VWolue vs Purchase Due Diligence Costs Building Inspection Pesi Inspection S tiement Costs Selling Costs Agent Selling Commission a Advertieing Legal Fees Loan Break Costs Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 13 Copyright MV Software Pty Ltd 2010 Copyright MV Software Pty Ltd 2010 E Capital Expenses Purchase costs Menu Overview Description Purchase Costs Property Value 1 Market Value at Year Market values are often higher than bank valuations We n estimated market value of the propery Property Value and the year it is applicable to A Zier at so when purchasing a property there may be a difference between the actual purchase price and Description the market appraisal or valuation Baca Oe FHCE Market Value at Year 2010 380 000 ae l Enter the price you will purchase the property for STRUER AEAN This is where yo
8. Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Delete ae a Delete Clone Property Screen Properties column Overview This list displays all of your saved properties From here you can create new properties edit details of existing properties and delete unwanted properties Each saved property is allocated a status You can use the buttons at the top of the list to view only the properties of a specific status Property status and how to use it Active These can be any properties you consider active they may be properties that you are undertaking pre purchase due diligence or considering purchasing Purchased These will be any properties you have purchased Archived If you have a saved property that you no longer consider Active but don t want to delete it you can mark it as Archived This will remove it from the active list 1 Search Field Search through your saved properties for a specific property by typing in a street name suburb or state Click the search icon to activate the search field 2 Active View only the active properties 3 Purchased View only the properties you have purchased 4 Archived View only the properties you have archived 5 View All View all properties at once Active Purchased and Archived 6 Saved Property List This list contains all of your
9. IEH 14 4101 re ra Mert Conor PW O cee 1 aa l ad i me ti i Lad 4 30 Value to Debt Report Menu Overview Description Rarer Ramee racer E Rac MERNE iS Property mesmen This report focuses on the performance of the loan 1 Capital Growth 10 Year Forecast to value ratio of the property and the equity growth The annual capital growth rate of the property per over time year Scenario 1 S 1E DaplenBami Detached Market Value ne Caan haw ing Profi Whe Pays Financial Summary Use this report to clearly identify how the property s capital growth Is increasing your equity and how that compares to your debt loan amount 2 Value Added Estimated amount the property value has increased due to improvements from renovations Value to Debt Prope Ey Anpan Der ecriperces Watch Video Tutorial 3 Property Market Value f f Cagital Grewth igk Mia zga upi eri 1 Hy z9 zo i Annual property market value increases subject to pra x a aa z i 5 capital growth and value added from renovations Property Marimi Valua 40 000 Mamo dma amaa noma Sea GMAT eman TOI TANDO Mren 1 6 L in Account Is Iara iT ii T IT IT Io mT eae T aa i IT aT LOG Lim o o o o D o o o o o 4 Loan Amount Loen to Vales Rabo LVR ore ae As Tr EFE 5 ee are ay LTH Cik Total loan amount Interest Only or Principal amp Eauity on Prosarty O am ee a a ia aa aiao aera doten amaa arrra
10. Interest 5 LVR Loan to Value Ratio Total loan amount as a percentage of the property market value 6 Equity in Property Equity is calculated as the property market value less the total loan amount a 1 L ES raw 11 HITI 2013 P rroperty wanavaa G toe core amount Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 34 Copyright MV Software Pty Ltd 2010 Cashflow Report Menu Overview Description Raper PSone Wacker Ea TAr SSS Sarees Ge Property investors This report focuses on the cashflow performance 1 Gross Rental Income 10 Year Forecast Value to Debt aah Setting Prot Who Pays Financial Summary of a property Annual rental income before expenses Use this report to clearly identify the potential pre tax ceed i Meret Bedrooms 2 Purchase Price 340 008 Asaan ftem s Cro Hesi Brdroewna Purchase Price nie OMA ee P y E P 2 Gross Rental Yield sil a meee ae P and after tax cashflow of a property Annual yield before property expenses Watch Video Tutorial 3 Net rental Yield Annual yield after property expenses Property Analysis iescripihes 1 Dnia Armai beet erred Pakia oo 600 Piao ELMA Fy Be ETH E0 Py Be ERITA 0 00 4
11. Pe Pry 1 265 140 345 ny 1 135 17 E For example if your property market value is Anar Tax Cashitow PY gt ta S ian en a 3 s za 3 aa 250 000 and you have 50 000 equity in the property at a 90 LVR you could potentially have access to redraw 25 000 10 Buying Power This amount represents property buying power based on the above equity amount used as deposit funds for the purchase of a new property For example based on the above figures at a 90 LVR you have access to redraw 25 000 The 25 000 can then be used as a 10 deposit to purchase another property worth 250 000 Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 28 Copyright MV Software Pty Ltd 2010 Ten Year Forecast Report continued Menu Overview Description Rental Income This section tracks the yield performance of the property both gross and net yield before and after expenses The yield of a property is the annual income as a percentage of the purchase price Annual Expenses This section tracks all of the outgoing tax deductible expenses for the property All outgoing expenses affect the cashflow performance of a property and potential selling profit if expenses exceed rental income Any shor
12. Soren aig Reports Portfolia Tracker ST ST oe Ee RE aT a Adding properties to the J rs wen Portfolio Tracker eg ater iene coal Semmes Seen oo ieee S ge eal Bi Comes At het cheat Sa aM S50 HS it Fed i TTE a ie 1 7 Sa fs Gh er Hiii Bas Sas kie Hokie Fined Brp Wik 0 Doo hae Pee H zij Tres Step 1 Nominate property as purchased a 3 Tosi Propirtp Watua KA 0 14 ara Te TLITI 0s 1abdm ARTIS LAILA FMis Jimi In the Edit Property screen nominate the property Lean yiu as purchased by checking the purchased box E E 3 TEED OSANA AE E i LE C Eimi Er Cope han HS a ET ELST e on Caira Ri Hom A A Eas Bie BAW Bea Bie 3s it BIT Boks ai BLDH Step 2 Select the scenario vee Hoc Firan Brigin VEE i Meson SOD Mao Mayo mia You need to select the scenario to use in the LANSEN E A med vee nec a E etiam ei A AA portfolio tracker by nominating it as the Favourite Lerta a dread Menman Hirr me Leas Mar hey Om Wr 1 a 155 00 1 Eqarnges i Crees Han hehe a 7 Ei gi EiT Step 3 Market Value at Year Ei Coira Hi hot Aderimi JA a Hang Trea TOLiTTe PET i Fiki mra Me er cr es 40505 The specified year will determine the year the He Heke Hoa Brighton Wi muo mao aa mam ma 3 g Toimi Egey THLE HETE TETE ma HR ET aa Mayor TEHE HET 1 property appears in the Portfolio Tracker eee ee a 2 son A Bees H a Ls a z P aah 5 oe Sire are p Lise bed Aa Piafa n
13. any notes for the additional expenses You can enter the estimated amount for the repairs in any year and then check to see how this may affect the cashflow and financial performance of the property Cleaning If you are tracking and forecasting the performance Service Contracts of a purchased property you may have unexpected expenses or repair costs which are additional to the annual expenses You can then enter the total for Letting Fee any additional expenses in the appropriate year to j Other reflect what your actual expenses were Repairs amp Maintenance Garden and Lawn Maintenance Other You can choose to nominate where your funds will Property Management Fee be coming from to pay for any improvement costs Cash Cash in bank savings Equity Withdraw equity from a property loan LOC Withdraw equity from this property You can add a note to each year of expenses by simply clicking in the year column to activate the note Copyright MV Software Pty Ltd 2010 field Clicking the year column will toggle between 1 loins 2 displaying the expenses data and notes Fry Year 2 An asterisk will highlight any years that have notes pr Year3 entered against them Ssi Year 4 F Year 5 Year 6 Year 7 Year amp ja Year 9 Mim Year 10 i Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational inform
14. of weeke you expec E i a A E E E S EAR this property to be vacant without a tenant Your 418 cal etna PEREC p Year 8 492 2 24 600 This is ideal when you are planning to do a 6 Rent PA Year 9 507 4 25 350 renovation in a specific year that will cause the rent This amount is automatically calculated by the total to increase after the renovation is complete annual rent less any vacant weeks 522 2 26 100 Or you may be purchasing a property with an existing tenant lease that is rented at less than market value and you will increase the rent once the lease has expired 7 Calculate CPI increase Click the button to automatically increase the rent by the CPI percentage For Mac Hold down option to increase all following Or rental demand increases may exceed the annual years by CPI CPI amount For Windows Hold down Alt to increase all following years by CPI Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Annual Income amp Expenses Property expenses Menu Overview Description Property Expenses Annual Property Expenses In this section you can capture estimate all of the annual tax deductible e
15. saved properties 7 Delete Delete the selected property This will also delete all saved scenarios for the selected property This cannot be undone 8 Edit Open the Edit Property screen to edit the following Property address Property details Webpage Property photos Change the status of property between Active Archived and Purchased 9 New Create a new property this will add a new property to the Saved Property List Properties Menu 69 Constable St 98 Oblwan St 25 Balfour St 67 Macintosh Ave 84 River St 132 Robbins St 15 High St 5 Cupertino Dr 98 David Drive 88 Collins Rd 23 Durandle Rd 175 Forza Place 12 Garamond Drive 1 Example St 18 MeGuiggen St 13 Hutchison St 159 Hoddle Road Templestowe Tamelt St Kilda Southport south Yarra safety Beach Prahran East Parramatta North Shore North Adelaide Helensvale Fairfield Dulwich Hill Crows Nest Como Carmegiea Brighton Edit Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Property Screen Add or edit property Menu Overview Description From thi
16. this Capital Expenses scenario This column captures all data entered into the Capital Expenses screen Annual Income amp Expenses This column captures all data entered into the Annual Expenses amp Income screen Tax amp Market Factors This column captures all data entered into the Tax amp Market Factors screen Watch Video Tutorial h pa ri Ti uri TE Dogs m Fz a rE a E i Fa a FI Hi i fi L F fi a Com 1h ter Soma F I l cot ET c a a Tais a a reed Weve i Yom E e a 5 a i Ce mo oam m ee ELAS seeti neim TER am Erp baam tpe TEEF iB ima Jarm Fee T Laas deren i Ae arira eee i re pe sie tapatan a Laaa resi Coan ia oe Yea F a rr a F pe a i Twmi j 6 Tami ob a ea 9 i i Y Tar F a F Tai i 1 E aar ii 3 a 1 Taisi 1 a Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 35 Copyright MV Software Pty Ltd 2010 Portfolio Tracker Menu The portfolio tracker screen allows you to view all of your purchased properties in a single report Fre ma ped Reg ey ay aaa aaa oe r P J Paon Traber Sieiro Financials
17. 2010 Settings Menu Overview Description From this screen you can manage the default settings for Property Investment Calculator and add your company logo to the printed reports 1 Tool Tips Check this box to activate tool tips when your mouse pointer hovers over a field or button Uncheck the box to deactivate tool tips 2 Show Print Setup If you are experiencing issues printing correctly check this box to show the Print Setup dialog window before every print allowing you to try different print settings 3 Store Backups Check this box to activate the automatic weekly backups This will create a separate backup file that can be used to restore your data if you experience any data loss or corruption of the main data file 4 Consumer Price Index CPI Default Set the CPI amount for all new Scenario Financials 5 Change Report Logo Customise your printed reports by replacing the default Property Investment Calculator logo with your own company logo 6 Reset Report Logo Remove your custom logo and reset it back to the default Property Investment Calculator logo 7 Annual Property Expenses Defaults Set default annual expense descriptions and amounts that will apply to all new scenarios 8 Show Actual Years Check this box to show report column headers as actual years for all new scenarios settings General Settings Show Teel Ts E Check fo f you mish io ses lool Op een pour dinto
18. 4 diigii 10m user 15 20 TTS TST m S BSD 1201 ESHO IAS G S ATA A A e 0 ma Fae ama aaa mi aa a a a j ATE Se ee 1I ITR IITR 260 5 aaa a4 45 ars LIS B0 x nto i iI neta rane HHT ria Hate H P ingee G oaaae com Cash Profe 33 Who Pays Report Menu Overview Description epin Perfosa Tracker Seenana Financial MO eenmna Raper Annual Expenses 1 Loan Interest Payments 10 Tear F f kii Value t Debit Caan Paw Annual interest payments This section tracks all of the outgoing tax deductible expenses for the property ae Example Scenario Cres Meat Bedre 2 Purchase Price 300 000 Tessaaj Enema 2 Principal Repayments All outgoing expenses affect the cashflow Annual principal repayments Principal amp Interest performance of a property and potential selling profit loans if expenses exceed rental income as any shortfall Who Pays between rental income and expenses will have tobe 3 Property Expenses Property Analysis paid from other funds Annual property expenses increasing annually Relies ell Lal Ll aad Lanta EL taal E el L by the specified CPI percentage Loms imime Payer DMI DIAT ALMI PHI PHI PLI HLHI BIHI HAI BAI Principal Repayments 0 0 o o o p o 0 0 0 4 Additional Expenses Property xpeces 1406 iait 1608 afar 4 04 4 183 EE ii iab 4 40 ae Aner Ex pee 0 400 lil o iil D o D u o Annual total for any additional expenses Wragrest on Equity Fund
19. Cash in bank savings profit margin percentage of the amount spent on a Equity Withdraw equity from a property loan the renovation Value Add Margin 100 20 000 OX SITTER Seay enn LS prezei For example if you spend 1 000 and it adds value You can add a note to each year of renovations by of 1 000 to the property then your value add profit simply clicking in the year column to activate the note margin will be 0 because you only got your 1 000 field Clicking the year column will toggle between back in value selling Cost CUS e inte Ih ONAA A SOC OE If you spend 1 000 and it adds value of 1 500 then Description An asterisk will highlight any years that have notes your value add profit margin will be 50 because Agent Selling Commission entered against them you got your 1 000 back in value plus another 500 Advertising Selling Costs 5 Agent Selling Commission bop Eusa oe issi Oth When selling a property it is important to make sure a oe He P A aL you have estimated all of the potential selling costs P 9 AS Other a ep ae may result in less profit from the 6 Advertising H l Enter the estimated amount for any costs to Always remember to check with your bank funder advertise the property whether there will be loan break costs associated with the sale of your property 7 Legal Fees You can enter loan break costs into the Other field e the estimated amount for any legal costs from your solicitor or conveyancer 8 Ot
20. Costs 20 352 scenario 7 Edit G Motivated vendor Edit the selected scenario Add notes change scenario name and nominate as the favourite Property has potential for renovation and rental Increases Good location 8 Website Open the web page for the property sales listing requires an internet connection 9 Map Edito M Website Map photos View the property in Google Maps requires an internet connection 10 Photos View saved images for this property 7 8 9 10 Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 9 Copyright MV Software Pty Ltd 2010 Property Screen Edit scenario Menu Overview Description Propane Portfolio Tracker Scenario Financials Seonarto Reports From this screen you can edit the name of the 1 Edit Scenario Name scenario nominate it as your favourite for Enter a name for the scenario z the selected property and add notes specific Edit Scenario 1 to the scenario 2 Nominate as Favourite If you have saved multiple scenarios check this box oe to highlight the selected scenario as your favourite rien Favours i Only one scenario per property can be the favourite Chick Tii bis j fairi ki Pa Tee E for hs mopy 3 Select Investment or Home
21. Gl CcHICmcnt a Calculates the total amount of stamp duty land transfer and mortgage registration fees to pay You can choose to nominate where your funds will Concessions may be available check the be coming from to pay for any settlement costs applicable state revenue office website to see if Cash Cash in bank savings concessions apply to your purchase Equity Withdraw equity from a property loan 9 Legal Fees Enter the estimated amount you will be paying for Solicitors Conveyancing 10 Other Enter any other settlement costs relevant to the property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 14 Copyright MV Software Pty Ltd 2010 E Capital Expenses Loan costs Menu Loan Establishment Costs 1 Set up Fees These costs are usually associated with the Enter the estimated amount for any loan set up fees roan ESTER chant Ghats purchase of a property as most banks funders 2 LMI Lenders Mortgage Insurance AVAN aa O HO S20 Io Weetih If LMI is applicable to your loan enter the amount Sch ies Fane Capttallse sometimes you ae required to pay for the costs If you do not know how much LMI is due click on is m Teutste calculate itali separately other tim
22. Property Investment Calculator SOFTWARE USER GUIDE For Mac and PC www propertyinvestmentsoftware com au Enter Close Contents Thank you for using Property Getting Started Technical Investment Calculator This is an 3 interactive PDF click on the contents __ Werkilow overview 3 list to go directly to a page If you cannot find the information you require in this user manual click on the links to go directly to our website Map view 11 support page video tutorials or contact us via email N Settings Eo 00 Selecting the type of funds used 4 Backing up and importing data Property Screen 5 Exporting and importing a properties 39 Website Links Viewing Photos 12 Official Website Video Tutorials Scenario Financials Capital Expenses 13 Support amp FAQs Annual Income amp Expenses 17 System Requirements Tax amp Market Factors 23 Affiliate Program Scenario Reports Email Links Ten Year Forecast Report 28 General Enquiries Value to Debt Report 31 Support Cashflow Report 32 Affiliate Program oO Selling Profit Report Ce ms Who Pays Report O1 Financial Summary Report amp O Portfolio Tracker Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before mak
23. SK AND YOU WILL MAKE YOUR OWN ASSESSMENT OF THE RISK AND TAKE YOUR OWN SPECIFIC ADVICE BEFORE ACTING ON ANY INFORMATION STRATEGIES REPORTS OR CALCULATIONS PROVIDED BY THIS SOFTWARE YOU ALSO RELEASE AND SAVE HARMLESS PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD AND THEIR EXECUTORS ADMINISTRATORS AND THEIR ASSIGNS FROM ANY LIABILITY OR ANY LOSS OR DAMAGE OR EXPENSE SUFFERED OR INCURRED BY YOU AS A RESULT OF ANY ACTION TAKEN BY YOU OR ANY PARTY ASSOCIATED WITH YOU AS A RESULT OF INFORMATION STRATEGIES REPORTS OR CALCULATIONS PRESENTED IN THIS SOFTWARE THIS DOCUMENT MAY BE PLEADED AS BAR OR DEFENCE TO ANY SUCH CLAIM ACTION DEMAND OR PROCEEDINGS AND YOU INDEMNIFY PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD AND THEIR EXECUTORS ADMINISTRATORS AND THEIR ASSIGNS IN RELATION TO ANY LOSS OR DAMAGE OR EXPENSE SUFFERED BY YOU AS A RESULT OF ANY SUCH CLAIM ACTION DEMAND OR PROCEEDINGS Trial Activation Property Investment Calculator provides a trial demo version free of charge for a period of 7 days Trial Period During such trial period you may evaluate suitability of the Software for your needs Upon the expiration of the Trial Period you must either purchase a permanent serial number or destroy the Software Documentation all backup copies that you have obtained Copyright Notice Copyright 2010 Property Investment Calculator and MV Software Pty Ltd All rights reserved Contact Information Product Website www propert
24. TOR AND MV SOFTWARE PTY LTD BE LIABLE TO YOU OR ANY PARTY RELATED TO YOU FOR ANY INDIRECT INCIDENTAL CONSEQUENTIAL SPECIAL EXEMPLARY OR PUNITIVE DAMAGES OR LOST PROFITS EVEN IF PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES YOU ACKNOWLEDGE THAT THE PROPERTY INVESTMENT CALCULATOR SOFTWARE IS AN EDUCATIONAL AND INFORMATION TOOL ONLY AND NOT FINANCIAL ACCOUNTING SOFTWARE FOR TAXATION PURPOSES THE PRESENTATIONS INFORMATION REPORTS CALCULATIONS STATEMENTS AND OPINIONS EXPRESSED IN THIS SOFTWARE AND IN ALL ASSOCIATED MATERIAL IS INTENDED AS AN EDUCATIONAL RESOURCE AND AS A GUIDE TO INVESTMENT CALCULATIONS AND STRATEGIES FOR A CHANGING PROPERTY MARKET BY USING THIS SOFTWARE YOU ACKNOWLEDGE THAT PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD HAS NOT PROVIDED YOU WITH ANY SPECIFIC LEGAL ACCOUNTING FINANCIAL OR INVESTMENT ADVICE AND THAT YOU HAVE BEEN URGED TO SEEK PROFESSIONAL ADVICE FROM AN EXPERIENCED PROPERTY LAWYER TAXATION ACCOUNTANT FINANCIAL ADVISOR OR INVESTOR ADVISOR BEFORE ATTEMPTING TO IMPLEMENT ANY OF THE STRATEGIES CALCULATIONS OR REPORTS WITHIN THIS SOFTWARE YOU ALSO ACKNOWLEDGE THAT NONE OF THE REPORTS OR CALCULATIONS PRESENTED IN THIS SOFTWARE GUARANTEE ANY RESULTS OR OUTCOMES THAT MAY BE ACHIEVED AS A RESULT OF IMPLEMENTING ANY OF THE STRATEGIES OR FOLLOWING ANY OF THE REPORTS OR CALCULATIONS WITHIN THIS SOFTWARE YOU ALSO ACCEPT THAT INVESTING TAKES RI
25. Total Annual Expenses Gross Remisi Yield 54 Th 5 LE rh rae TT Toi EIN Ba Total of all annual property expenses including Met Meetai Yield TA 40 awa sax ars aan as ars To r r interest payments and additional expenses Lee eee E SL LE SS Sane ENS a Ea ALAS Te CERES Ae a LE ae ee Se ee 1 10 fee ProfiiyLoaa z 18 178 LOTT 19 181 O41 aij PETHI ie C5 108 Estimasi Tae etree Payable at La JIH put Ri 11 EE LAF aa a 5 Net Profit Loss Pew Tax Cantsfiow PA ay YT Sy ms 701 aq 1 181 1a Total annual rent less total deductions Amounts areca eens et SO es ae we my die e a d b k Afer Tan Cashia PA z 2s Co cera ries 10 os rar 1193 1 713 pr contained in brackets are a loss hajat Ta Caah PAE a6 18 tai es 7 A i 23 5 a3 6 Estimated Tax Refund Payable Positive amount is tax refund negative amount Is tax to pay 7 Pre Tax Cashflow PA Total annual cashflow before tax deductions 8 Pre Tax Cashflow PW Total weekly cashflow before tax deductions E rose Ramiai beer een m Tomi En pee Afar Tak C asiwi 9 After Tax Cashflow PA Total annual cashflow after tax deductions 10 After Tax Cashflow PW Total weekly cashflow after tax deductions Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial
26. Total annual cashflow before tax deductions 6 Pre Tax Cashflow PW Total weekly cashflow before tax deductions 7 After Tax Cashflow PA Total annual cashflow after tax deductions 8 After Tax Cashflow PW Total weekly cashflow after tax deductions Menu aaaas Soran Finnnciots SCerar Reports Properties PorioSo Tracker Financial Summary vValue te Debt Cashhiow Selling Profit Whe Pays 10 Yoar Forecast Property Arahat Detcripticn 7011 Frnparty Mariri Vaus A Raneeations 7 Capital Growth irh Eph mi a r TS TFA iig 0 5s 30 Value Added fa 0 000 o o o o o Rey ena a o j 2700 D p 0 0 p 0 Praperty Marked Waive 280 000 564 200 DAEN ii 131 98 S168 AT B46 EEIT Bo 0 HEE h ra a S30 Loon A Epig Loan Amani IT IET LoT IT 16T Io aT 130 76T Ie iT ie I T T LOC Lima o 0 0 oO o i o 0 D 0 Loan be Vaier Patio LVF ws Ah ah TTA rn ah ah an Gir 42 FIK Equity in Property ETI HEN AG Ta 10121 163171 aa E ta EHHA JETTA iea TF imi ay ta Equity Availante si LVE irs 14 703 ra T E a7 eg EE A pF Tia IH FH mAT 207 915 IFN HIE HELD Buying Power iiti 24 100 TAHE S41 Ez Lime Lia aa 2 404073 2 978 180 aL 1210 Se Antal Eiganiai Lowes Inder ean Fianes EEN 25 AIR EIR Ls 1N EIN EEN EN 5 L a bnhites Paymer Pd Fy BAI TAI EAZ DAI BAI TAI GAI DAT PAI Prinicpal Repayments 0 fi oi fi 6 i fi 700 BEATS ALET pri Met Fontos airs lor 79 181 MEH 840 1 ami aati 1605 1 108 43H
27. Y INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD THIS AGREEMENT SUPERSEDES AND REPLACES ANY PRIOR PROPOSAL REPRESENTATION OR UNDERSTANDING YOU MAY HAVE HAD WITH PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD RELATING TO THE SOFTWARE Grant of Licence Property Investment Calculator and MV Software Pty Ltd hereby grants to you and you accept a limited nonexclusive Licence to use the Software in machine readable object code form only and the user manuals accompanying the Software the Documentation only as authorised in this Agreement For purposes of this Agreement the Software includes any updates enhancements modifications revisions or additions to the Software made by Property Investment Calculator and MV Software Pty Ltd and or its affiliates and made available to end users through Property Investment Calculator s web site Notwithstanding the foregoing Property Investment Calculator and MV Software Pty Ltd shall be under no obligation to provide any updates enhancements modifications revisions or additions to the Software Scope of Use You may use one copy of the Software activated with a serial number on a single personal computer owned leased or otherwise controlled by you at a single time If you have multiple serial numbers for the Software you may make and use as many copies of the Software as you have serial number For purposes of this Agreement use of the Software means loading the Software into th
28. a i tee aire GF ere equity it will turn red Remember most funders will 10 Year Variable second mortgage or loan split only let you redraw to your maximum LVR For the purposes of simplicity in this software we will L Detail refer to all of the above loan facilities as a LOC 2 Drawdown seid thst taal Start by setting the limit for your LOG in the Ce il gs CAIs ects est applicable year If you have set the limit beyond the g A Loan Type _ Interest Only equity available in the property it will turn red 3 Balance Loan Term Years Most funders will only allow you to redraw up to your This total is automatically calculated and is the Loan Amount 330 267 maximum LVR Use the Ten year forecast report to available balance remaining of the LOC funds Well OEM ment MULE N Cle aNy OLIN eNENE LOO el Any renovations or additional expenses that have ee Se ee Eee sb redraw by setting the LVR in the report to your actual y ee used LOC funds will automatically be deducted from borrowing LVR the LOC balance Any funds specified as LOC will automatically be deducted from the balance If you spend more 10 Year Average Interest Rate than you have available on your LOC the figures will turn red 6 25 5 750 i Note if you are using LOC funds be sure to specify an interest rate If you are unsure how to use this feature please n s click the button below to watch the video tutorial Line of Credit lt Watch Vide
29. a you can simply clone the scenario and the selected property its financial data then change only the figures that need updating 5 Favourite Scenario icon The star icon identifies that a scenario has been nominated as the favourite scenario Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Property Screen Preview column Menu Overview Description Preview Scenario 1 mi 1 This is a preview of the selected scenario 1 Favourite displaying the property description purchase The star icon identifies that a scenario is the Example Scenario details and notes favourite 2 Last Updated Displays the date and time the selected scenario ey Last updated 14 11 2010 1 30 PM was last updated 1 Example St ener eCles Crows Nest Sydney NSW 2065 Displays the property address 4 Property Type ey Duplex Semi Detached Displays the property specifications Bedrooms 2 Bathrooms 1 5 Purchase Snapshot Double Gar Space Displays a quick financial snapshot of the purchase a costs for the selected scenario 2 Market Value 380 000 Purchase Price 360 000 6 Scenario Notes Deposit 36 000 Displays a preview of any notes saved for the Purchase
30. advisor or tax accountant before making financial investment decisions 30 Copyright MV Software Pty Ltd 2010 Selling Profit Report Overview Description This report focuses on the selling profit of a property capturing the capital growth performance of the property and all costs associated with the property including capital exoenses and holding costs The report identifies break even costs cash profit taxable profit and potential CGT if the property is purchased in the owners name a 50 CGT concession may be available after year 1 This report is a key performance indicator for buy amp sell and renovation property strategies G Watch Video Tutorial Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 1 Capital Growth The annual capital growth rate of the property 2 Value Added Estimated amount property value has increased from renovations improvements 3 Property Market Value Annual property market value increases subject to capital growth and value added from renovations 4 Selling Price Enter the selling price for any year or click the reset button to auto fill with the property market value 5 Loan Amount Total lo
31. an amount 6 LOC Limit Total annual limit of the LOC 7 Equity in Property Property market value less the total loan amount 8 Holding Costs Compounding annual negative pre tax cashflow 9 Capital Expenses Total capital of all capital expenses 10 Selling Costs Total costs associated with the sale of the property 11 Total Break Even Costs Combined total of the loan amount holding costs capital expenses and selling costs 12 Cash Profit Property market value less the break even costs 13 Taxable Profit Amount is calculated as the property value less the purchase price capital expenses and selling costs 14 Estimated Capital Gains Tax Estimated tax payable on capital gain 15 Profit to risk Total cash profit to risk ratio Menu Peart reece oss nee Soenate Financi Scernnrio Reporti Pra O Pomtota Tracker Err Financial Summary 10 Tear F f kii Value t Debit Caah Faw Whe Pays selling Profit Prepay Analvait Descripiiss Ba moti mir ma ia 5 0 o 0 ap 0 o a i 0 o OOO AmO doa SA aa ST AMAIT amran Ta maa aren D0 1 70 411 008 411 355 S107 BERR TH ST Gay a0 FALETE roe Sai eo ere aT wT OT W UT OT OUT OT OT A N 0 0 Aa H BA bh i am a ed aa anra I EEA 10 745 i am ee H EET miu mm TOT JEI M BM EW mA AAE ee Aee ee me a EIA wa wD 180 me B na M S 401 170 ao 1 411 133 FETE Fa 461 10 ano di aai ES PY ts a
32. ancial advisor or tax accountant before making financial investment decisions 26 Tax amp Market Factors Taxable income Menu Annual Income 1 Ownership _ Enter your personal income here if you are Enter the ownership percentage of each investor Annual Income orn an entity that allows you to offset any losses 2 Annual Income Person 1 2 against your personal income SNe ou Tas o a Investor 1 0 3 l superannuation h i i ata Property Investment Calculator will use this to Investor 2 estimate any potential annual tax deductions and 3 Income Tax Bracket potential CGT Capital Gains Tax This total is automatically calculated as the income tax bracket for the annual income Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Ten Year Forecast Report Menu Overview Description Property Value amp Renovations Use this section of the report to track the capital growth performance of the property including any renovations improvements that increase the value of the property 1 Capital Growth The specified annual capital growth rate of the property per year 2 Value Added Estimated amount property value has inc
33. ary loan mortgage Purchase new Q property with mortgage of 250k Investment Property Capitalised loan costs of 5k Total mortgage 255k Property Screen Menu Properties Portfolio Tracker scenario Financials scenario Reports G In this section learn how you can easily add edit delete and manage all of your properties and scenarios as well as any photos and notes r Dire len nurat E a Se ewe Step 1 Adding Properties Watch Video Tutorial 69 Constable St Templestowe Ivie 1 Example Scenario Example Scenario Last updated 14 71 2070 1 30 PM tep 2 Adding Scenarios S p g S se hwan Si Tarmeil C Major Renovation 1 Example St Watch Video Tutoria a semen seine 94 River St South Yarra f e Cae 137 Robbins St Safety Reach Bathrooms 1 15 High St Prahran East Double Car Space PEREM eine Market Value 380 000 SE David Drive North Shore Purchase Price 360 000 AA Collins Rid North Adelaide Deposit 36 000 23 Durandle Rd Helensvale Purchase Costs 20 452 175 Forza Place Faliraki ane 12 Garamond Drive Dulwich Hill i Example Bi property wai potonil for renovation and rental increases 18 MoGuiggen Si Camo 13 Hutchison St Camegie 159 Hoddie Koad Brighton Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice
34. ation only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 20 Annual Income amp Expenses Loan interest Menu Loan Details 1 Loan type In this section you can specify what type of loan Select the loan type for this property Interest Only product you will be using and the loan term or Principal amp Interest 10 Year Variable 2 Loan Term Years Enter the estimated loan term in years default amount is 25 years Loan Details y Desenpuon m 3 Loan Amount Loan Type Interest Only i This total is automatically calculated and is the 2 Loan Term Years 25 purchase price less the deposit amount paid plus ee ns 330 267 any capitalised loan costs 3 Loan to Value Ratio LVR 91 7 4 Loan to Value Ratio 4 This total is automatically calculated and is the loan amount as a percentage of the purchase price 10 Year Average Interest Rate 10 Year Average Interest Rates 5 Loan Interest Rate Description Enter an estimated 10 year average interest rate for IEEE Use this when you have a fixed loan interest rate for T ee tee 5 ate 7 10 years or if you want to enter a single loan interest Pe rate that will used as an average over 10 years 6 Equity Interest Rate z If you have a variable interest loan you may want Enter an estimated 10 year average interest rate for to adjust the rate each year see
35. below for 10 Year the equity funds used for this property Variable Interest Rates 7 LOC Interest Rate place in the property market This is ideal when you want to forecast the performance of a property in greater detail enabling you to identify any potential risk from future interest rate increases or opportunity Year 10 from rate reductions Enter an estimated 10 year average interest rate for 0 the LOC funds used for this property 0 10 Year Variable Interest Rates 8 Variable Interest Rates gt i As interest rates have an upward and downward Click this button to change to variable interest rates cycle this section allows you to adjust the interest For each year enter the estimated annual interest rates on an annual basis to reflect what is taking rate for the loan equity and LOC funds used 0 0 0 0 Slo ao elal a amp ao oo a amp eo ao 82 02 Oo 8 2 O Total Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Annual Income amp Expenses Line of credit Menu Overview Description Loan Interest LOC Line of Credit J TS i AT i y et the limit of your If it exceeds your available
36. d hadd ess mami Aranean Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Menu CE Beech ra mtrt t Preview Scenario 4 Buy and hold reno rent increases Laat upi AA Obs Pe 15 High Set Prahran Eset Malesureae WC TEI 39 End user licence agreement Menu End User Licence Agreement For Property Investment Calculator PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD LICENCES THIS SOFTWARE PRODUCT TO YOU SUBJECT TO THE TERMS CONTAINED IN THIS END USER LICENCE AGREEMENT THIS AGREEMENT OR EULA READ THE TERMS AND CONDITIONS OF THIS AGREEMENT CAREFULLY BEFORE INSTALLING COPYING AND USING THIS COMPUTER SOFTWARE AND THE ACCOMPANYING DOCUMENTATION THE SOFTWARE THE SOFTWARE IS COPYRIGHTED AND IT IS LICENCED TO YOU UNDER THIS EULA NOT SOLD TO YOU BY INSTALLING COPYING OR OTHERWISE USING THE SOFTWARE YOU AGREE TO BE BOUND BY THE TERMS OF THIS EULA IF YOU ARE NOT WILLING TO BE BOUND BY THE TERMS OF THIS EULA DO NOT INSTALL PURCHASE COPY OR USE THE SOFTWARE THIS EULA IS A LEGAL AGREEMENT CONCERNING THE SOFTWARE BETWEEN YOU AS EITHER AN INDIVIDUAL OR A SINGLE BUSINESS ENTITY AND PROPERT
37. deductions for the property including depreciation Depreciation can be used to reduce the taxable income of a property then combined with your personal income you may be entitled to a tax refund The figures in the report are just an estimate and are not for tax purposes Always consult a tax accountant before making investment decisions Pre Tax Cashflow This section identifies the pre tax cashflow performance of a property as both an annual amount and weekly amount Use this section to forecast the pre tax cashflow performance of a property After Tax Cashflow This section identifies the after tax cashflow performance of a property as both an annual amount and weekly amount Use this section to forecast the after tax cashflow performance of a property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 1 Depreciation Annual amount of depreciation 2 Total Deductions Annual total for all tax deductible expenses 3 Net Profit Loss Total annual rent less total deductions Amounts contained in brackets are a loss 4 Tax Refund Positive amount is tax refund negative amount Is tax to pay 5 Pre Tax Cashflow PA
38. dnev s Hanoy Hours 100f a 52 Collins St North Beach WA 602 en 2010 Google Map data 2010 MapDatra Bo Alafia al qT ere a C Berna nms a sa jisa bio ae ion ap dona perm m jina i i i r eis iai Ea Lib 5 i i ia E i i Waisr re Parhi I ba Hiha Tieso hei r 1 t of a i li i a 4 i ie Bh m m ame Tg in ET Cem 1 oe pee eT ne 1 r boo Po d Som f Tm E 1 F m ET Em i Fam feng be k m aas b k i k ab rm bi Lert i J Sim Pom g Tar E E m M k aN mmi mm OLUMU o n l Tepi T Pa gt ee Ph n es iy i iy z E legei Pere 1 oe m ob p imee Ret Dats LFE al SSSSje i ea Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 11 Copyright MV Software Pty Ltd 2010 Viewing Photos Menu To view photos you have added ae Dronerty rnesa click the photo button or the photo thumbnail in the preview column on the properties screen and on the summary panel in the financial or 1 Example St Crows Nest NSW report screens P t m rf ay Hatar i a a manas P i oll Tina m T a amp Photos Photos a it I EL i i 1
39. e temporary or permanent memory of a computer Installation of the Software on a network server solely for distribution to other computers is not use of the Software and is permitted as long as you have a serial number for each computer to which the Software is distributed The Software may not be used on or distributed to a greater number of computers than you have serial numbers If you use or distribute the Software to multiple users you must ensure that the number of users does not exceed the number of serial numbers you have purchased or you will be in breach of this Agreement Licence Limitations and Confidentiality You may not reverse engineer decompile disassemble or otherwise translate the Software or any serial numbers you have obtained You may not modify or adapt the Software or any serial numbers that you have obtained in any way You may not copy the Software except up to three copies of the Software the Documentation and any serial numbers that you have obtained solely for backup or archival purposes You may not remove any titles trademarks or trade names copyright notices legends or other proprietary markings on the Software Documentation or serial numbers that were included on such materials when you first received them Except as authorised in this Section no copies of the Software Documentation or serial numbers or any portions thereof may be made by you or any person under your authority or control You shal
40. enance Year 2 Enter the estimated annual amount for any garden Year 3 F 0 and lawn maintenance contracts Year 4 0 9 Letting Fee Year 5 m Enter the estimated letting fee charged by your wen property manager Year 6 i 0 Year7 0 10 Other vi Enter any other annual costs applicable to the Year u property Year9 0 11 Property Management Fee Lenny a Enter the property management fee This will be a percentage of the rental income Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 19 Annual Income amp Expenses Additional expenses Menu Property Expenses Overview Description Additional Expenses 1 Funds In this section you can capture additional tax Select the type of funds that will be used to pay for i Annual Property Expenses deductible expenses that are not part of the usual the additional expense ene Description annual expenses 2 Amount a For example the property may require repairs but Enter the estimated annual amount for all additional pane they are not urgent so you may plan to do them at expenses Land Tax a later stage 3 Add Notes io Insurance Click in the year column to open the notes field and Body Corporate add
41. es they are added on tiu the estimate button to calculate the LMI payable i capan loan amount this is called capitalisation Valuation Fees Capitalise ET Ret Sea The calculator will estimate LMI on properties with a a a a a E O total purchase price of up to 1m and on purchases Other Cash provide you with a total of any fees applicable an aim LVS a a OSU SE otal You can choose to nominate where your funds will This is an estimate only as LMI premiums are St GONTTNG Vom ES pey Tor Ery eeN Goeie subject to a number of conditions and risk ratings Cash Cash in bank savings specific to an investors s financial position and Equity Withdraw equity from a property loan security property Capitalise Add the costs to the loan 3 Valuation Fees pot ee aea GUC US ilu n Enter the amount of any property valuation fees that over a period of 5 years Always speak to a qualified P eee aie tax accountant about your tax situation y oe l 4 Other Enter any other loan costs relevant to the property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 15 Copyright MV Software Pty Ltd 2010 E E Capital Expenses Improvements amp selling costs Menu 2 Overview D
42. escription Improvements amp Selling Costs Improvements 1 Year1 10 The cost of renovating a property and making Heese T ac Se we Improvements improvements are a capital exoense they are s usually claimed when the property is sold as 2 Amount Year Funds Amount Value SA ai A A E ete T Enter the estimated amount you will be spending on nee aan ul a eee ete eee the improvements Year 2 Cash ah 0 0 replacing a broken window maintaining plumbing I or repairing electrical appliances 3 Value Added Year 3 Cash z 0 0 Here you can capture the cost of any capital Enter the estimated value added to the property as a Year4 Cash S 20 000 E A i a ae result of a renovation Year 5 Cash Lan 0 0 can also include the estimated value added to the For example you may spend 10 000 on renovating Year 6 Cash a 0 0 property as a result of the renovation a kitchen and based on your research a 3 i This is ideal for calculating costs and potential profit comparable property with a renovated kitchen may Year 7 Cash he 0 o when you are increasing the value of a property be worth 30 000 dollars more So you would enter Year 8 Cash 0 0 through renovation strata title or subdivision 30 000 into the value added field pe le l Year 9 Cash b 0 0 be coming trom to pay for any improvement costs 4 Value Add Profit Margin Year10 Cash 1S 0 0 g pa AmE l This total is automatically calculated and is the Total 30 000 40 000 Cash
43. f Australia monetary policy The RBA uses interest rates to o maintain the pace of price increases or inflation to between 2 3 on average over time Market Factors 10 Year Average 10 Year Variable Capital Growth 3 Year 1 10 Enter the estimated annual amount by which you 10 Year Variable Capital Growth On average a property will double in value every z ii ai expect your property to increase in value specific to Year o O Amount 7 to 10 years However the capital growth of a waar each year property is not usually a consistent amount each Year 1 3 ee are Fe SOMONE Ngee 4 Average Capital Growth Over 10 Years Year2 As growth will follow the property cycle of boom This is an automatically calculated average based Ees and bust this option allows you to enter the capital on the amounts entered into each specific year growth rate for a property on an annual basis to Year 4 more accurately reflect the actual cycles in the Year5 market place a Year 6 This is ideal for more accurate forecasting during pre purchase due diligence or to accurately reflect Year 7 and forecast the financial performance of a property Year 8 you currently own Year 9 Year 10 Average Capital Growth Over 10 Years Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified fin
44. her Enter any other costs applicable to the sale of the property Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 16 Annual Income amp Expenses Menu Properties Portfolio Tracker Scenario Financials Scenario Reports In this section learn how to enter all mma I III i Property vesiment F ala latar of the annual income and expenses for your property From here you can enter rental Capital Expenses Annual income amp Expenses Tax amp Market Factors income general property expenses ee pts crorcomez purenaceree saoojouo baie tole Example Scenario Sydney HSW Bathrooms 1 Deposit 36 000 specify the loan type and interest rates for your loan equity and LOC Step 3 Part B Annual Income amp Expenses G Watch Video Tutorial Step 3 Part D Line of Credit Building Insurance D an Ty i Interest Only j i Loan Term Years 25 Repairs A Maintenanca a0 Loan Amount 330 767 Cleaning Loan to Value Ratio LVR 91 7 Service Contracts Garden and Lawn Maintenance Letting Fee oo 150 10 Year Average Interest Rate aip G Watch Video Tutorial Yeard Year S Year 6 fetal Year T tl Year 8 Ed
45. horam over a field of buon Prin_er Setiings Show Print Setup Check he Bo four pepo ane nel pinang CocrecLy This wall shire ee Pron Setup dalog before even prin uackupa Store Backaps E TE Ghai fhia Eaa you egi a io one LTT wiy backups ihe daia iiy appro AG chek speg Default Values Sel ite iunt thal wil be spled lo all mee scene Annual Property Expenses Dafauhs Anima Land Tam l Building insuraz Body Corporate Repais A Bainhenance pmm Service Conbacts l Garden snd Lawn Buintennce Learg fee l Caner Other Oa gt lo GO 2 oat amp i Consumer Price index GPI Default 18 Year Average I4 as Bidet Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Report Settings Shine Actual Ya ao Chet Mia i you wet bo gee Che stl peer en repo huacters Ses preview below Hii 12 2013 DHH Durkia a pinid POE wD pour gan igo Paay Ter ao Doe Le 37 Backing up and importing data Backing up your data Importing your data Your Property Investment Calculator backup data files are named My Properties USR and are stored To import your data from a back up session Pro
46. i Ured x EEH 2 Pet 20 2250 Pei Pa 20 TEH 20 interest on LOC Puree eed a a 3 a i a a 5 Interest on Equity Funds Used simalara minm P E Ba IAN 7717 Pine Ji a7 S45 IETS a7 BFI mi PiE maa j w Annual interest payments on equity funds withdrawn aoe a ee aa from a property loan 8 10 tanman ee A a O oe wre m ss m Tes pa Ta 2 574 1s ij o o i 0 li 6 Interest on LOC Funds Used 14 000 Annual interest payments on LOC funds withdrawn 300 col from this property sass pie iy 7 Total Annual Expenses 10 000 Total of all annual property expenses including iar H io co Ee E C Bese interest payments and additional expenses a A a a Nd a a E Temat J taoman D tou Who Pays 8 Tenant This report identifies the portions of the expenses POUUCI eNOS eS e 12 Ne uel that will be paid by the tenant the taxman and what will need to be paid by you as the investor I VERSE Portion of expenses paid by the taxman 10 You Portion of expenses paid by you Watch Video Tutorial Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 34 Financial Summary Report Menu Overview Description This report is a summary of all data entered for
47. il aoe d z ES Coden Be Hori Aie DA 71400 M1 a Pa a 7 HH TF ea Pie te vie Ti Bag mari G Watch Video Tutorial aes na SS SSS a Sa See ee ae ae Total Hayata irre PEP Fae HFH HTH 1 7 bika ET Hii ERTI Lig Lai O la Annum E apren lt Ta ireann 1 Bianan HY z z z pu Ent iM LNI ayi INi FEA a EE Eiaa Sn Cima Hear MEAT n gt i EES man Bi Doiii HA bee Acta GA ah 18440 iaai ETLE 14 700 LE pa aa i ri ath e a TEN Hodis Fined Binghion WC 3 z z nH maij misa Marit m Total Arua Erganim 137 1430 fw Ler biel tT T he T7 ES Jet mow Poe Fon Cauhhew Hien i umen MAY 1O Lim art 1k LJP HiT Laie m Eaaenpes Si Carag haa PESE n a E CEH AANI Ri Cams Aa Herr a A aoa ofa Li an LT EE th oe TEA GET T bi oye NER Hekia Hi Brae a ra ad ae TELEN azi in Pre Tas Coahiice on iT By ia Lo hia Ta arn 1i ied iota im Poca Teel Toned Gree Bence Yaad Ti Epi ET has te LTE ETA te Lie LIR Tmi h Aaja Thin EF TIE TR ijh i rs 1 iri rL as Purchase Costs Property Value Market Value at Year 7 ao 3 Purchase Price Value vs Purchase Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 36 Copyright MV Software Pty Ltd
48. ing financial investment decisions Copyright MV Software Pty Ltd 2010 Workflow overview Property Investment Calculator has a simple 4 Step workflow process for analysing property Quick Start Overview Watch Video Tutorial step 1 Add a new property You can create and save multiple properties Each property can have its own 1 Address 2 Property specifications number of bedrooms and bathrooms 3 Photos and floorplans 4 Notes Step 2 Add a scenario You can save multiple scenarios for each property and each scenario can have its own unique financial data This allows you to adjust financial variables and then compare Scenario Reports to see how the variables affect the performance of the investment property A Positive E B Cashflow N otep 3 Enter financial data Next enter all of the financial data into the Scenario Financial screens Financial data is divided in three categories 1 Capital Expenses 2 Annual Income amp Expenses 3 Tax amp Market Factors Step 4 View reports View the projected performance of the property over a 10 year period with the Scenario Reports 1 10 Year Forecast 2 Value to Debt 3 Cashflow 4 Selling Profit 5 Who Pays 6 Financial Summary 7 Portfolio Tracker Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document
49. l Income amp Expenses Tax amp Market Factors Scenario 1 gt Example Scenario 1 Example St Crows Nest sydney NSW Duplex Sermi Detached Bedrooms 2 Bathrooms 1 Double Car Space Market Value Purchase Price 360 000 eh aes lasian Annual Income Purchase Price Nearest City Standard of Finish j Medium i Property Typo i Townhouse Construction Year Diminishing Value Prime Cost lad Estimated Depreciation Schedule Average Capital Growth Over 10 Years Consumer Price Index CPI a ra 10 Year Average Depreciation Calculator coumtesy of Washington Brown Quantity Surveyors Website Geia Quote Disclaimer 23 Tax amp Market Factors Depreciation Actual schedule Menu Overview Description Depreciation Depreciation 1 Actual Schedule Years 1 10 ae Enter the total annual amounts from your Depreciation can change a property from negatively I ENE geared to positively geared after tax This is why depreciation schedule into the corresponding fields depreciation is often referred to as the hidden cashflow Actual Depreciation Schedule Understanding how depreciation could improve a property s cashflow is important when undertaking Year 1 due diligence l Year If you are entering financial data for a property m you own and already have a depreciation Year 3 schedule for the property this option allows you Year 4 to enter the actual t
50. l permit only authorised users who possess lawfully obtained serial numbers to use the Software or to view the Documentation Except as expressly authorized by this Agreement you shall not make available the Software Documentation or any serial number to any third party You will use your best efforts to cooperate with and assist Property Investment Calculator and MV Software Pty Ltd in identifying and preventing any unauthorised use copying or disclosure of the Software Documentation or any portion thereof You may not disclose the results of any benchmark test of the Software to any third party Term Termination This Agreement is effective upon your acceptance of the Agreement during the installation of the Software This Agreement shall continue in effect until terminated Property Investment Calculator and MV Software Pty Ltd may terminate this Agreement if you breach any term of the Agreement Upon termination of the Agreement by Property Investment Calculator and MV Software Pty Ltd you agree to destroy the Software Documentation all backup copies thereof and all serial numbers that you have obtained Disclaimer THE SOFTWARE AND DOCUMENTATION ARE LICENCED AS IS AND PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD DISCLAIMS ANY AND ALL OTHER WARRANTIES WHETHER EXPRESS OR IMPLIED INCLUDING Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this documen
51. n pee 12 Saira Ave Purchase Cons sa7 aig previous states of your data file in the event of a file corruption or unwanted user changes such as accidentally deleting a property It is not a substitute for a comprehensive backup system and Property Investment Calculator and MV software and Property Investment Calculator accept no liability for the loss of any data Er Coni Ad wd Dumie Ar ET W criirih Av z2 hna St 1 Example Si gt My Properties USA Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 39 Copyright MV Software Pty Ltd 2010 Exporting and importing properties Exporting a single property Step 1 From your list of properties select the property you want to export Step 2 Choose Export Selected Property from the file menu This will save a property folder to your desktop containing all of the property s details notes financial scenarios reports and photos You may then compress it for emailing or copy it onto another disk In this way you can conveniently send a single property and all of its data to another Property Investment Calculator user Exporting all of your properties Step 1 Choose Export All Properties from the file menu
52. o Tutorial ree v 3 Year 2 0 Year 3 2 Year 4 0 0 Year 5 0 Year 6 0 0 Year T g 0 Year 8 Year 9 0 0 Year 10 g Q Total 0 Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 29 Copyright MV Software Pty Ltd 2010 Tax amp Market Factors In this section learn how to enter your taxable income depreciation and adjust the market performance of the property Use the built in calculator to estimate depreciation on your next purchase You can also choose either a 10 year average capital growth rate or a 10 year variable rate to adjust each individual year s growth Step 3 Part C Tax amp Market Factors G Watch Video Tutorial Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 Menu T Pir PATT hr lon norim t 3 F as oo Properties Portfolio Tracker Scenario Financials scenario Reports R E r alz Vator Capital Expenses Annua
53. otals from your schedule and 3 more accurately forecast the property s financial Year performance Year 6 Year Year 8 Year 9 Year 10 Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 24 Copyright MV Software Pty Ltd 2010 Tax amp Market Factors Depreciation Online calculator Menu Overview Description Depreciation Online Calculator Depreciation can change a property from negatively geared to positively geared after tax This is why depreciation is often referred to as the hidden cashflow Understanding how depreciation could improve a property s cashflow is important when undertaking pre purchase due diligence The built in depreciation calculator provides you with an estimate of the potential depreciation deductions a property may have This allows you to better calculate the financial performance of a property during pre purchase due diligence lt is important to remember that this is an estimate only and not to be used for tax purposes This feature requires an active internet connection Depreciation calculator courtesy of Washington Brown Quantity Surveyors www washingtonbrown com au Disclaimer Property Investment Calculator and MV Sof
54. pa i um and the equity growth over time l Net otal vinia aas aas ars sas ars Bas ass ars eos Ai Ideal for identifying when you can access your 6 LOC Limit Loan interest Rates 6 6A SNN GNN ABN GBN BIN GNN AINO amy equity refinance and what potential buying power Total annual limit of the LOC Seriei E a e E east gp nk AE A A B o A EAA A aad you have if the equity was used as deposit funds for EE M IR M AW Aa aa e a Sa ane the purchase of another property 7 LVR Loan to Value Ratio adanonad Expentes o aon a a a a o o Reet Total loan amoun rcen f the market value erste ON E EEAO SS E T eters A SAS A E a Conenaeen The equity in the property is the difference between UAL OEN EOUN 2k e ENEE E EAA VEU interest on LOG Funds Used o o Q o i Q o 0 o o the market value and the loan amount 8 Equity in Property The equity available at LVR allows you to work out Equity is calculated as the property value less the se j 2 5 Tote Dha Tipe a BS 175 LETT Er IESTI 31 49 BETS Lay 28 pet 31 138 what equity IS potentially available if you were to total loan amount Mat ProfitLoas a jia maari 11 181 m mai atii Ai aari aca 3 108 refinance or increase your loan based on the property 4060 a market value and your current borrowing LVR 9 Equity Available at LVR Sony Calculates the potential equity available for redraw arr acne es aa Hf te i sal based on the specified LVR j Co Watch Video Tutorial l l e i FETI
55. perty Investment Calculator Edit Go Help Close Import Properties Export Selected Property Export All Properties Financials Seanario Repons r Dirr rear Osh jst Menu frenetic Step 1 E Check for updates in the Property Investment Calculator folder which is Choose Import Properties from the File menu i account Step 2 Select the My Properties USR backup file you want semen Purchaned drona viraa Buy and hold rono rent at Backing up this folder to a separate disk or hard drive should be part of your regular backup routine If you have selected the Store Backups option in the Settings screen Property Investment Calculator to import Imported properties will be added to your properties list and will not overwrite existing properties If multiple properties with the same address exist 12 Metusegan Si 108 Curdi 31 158 Hoile Rosj 14 Huteheeon E 4 By and ald es mmi inerameee increases Laat upi AA Obs Pe 15 High Set Prahran Eset Malesureae WC TEI Hoda will store up to 4 backup files A new backup file is after importing has completed refer to the Last dandini custo saved one week after the previous one If you have updated date and time stamp on the Preview 34 Rives 81 Mo Parking made changes in that period Scenario panel on the Properties Screen to 5 Batiout Si SAAT Tra This feature is designed to provide access to SH ee ae es Oe nomo racont eres oa
56. r aon a a i 0 intereut an Equity Fundu Used 2m0 neo 2 800 2800 2m0 2550 2m0 2m0 250 2 880 irderest on LGG Furey ind g i i a i li i il i 9 Interest on Equity Funds Used Total Anal Expenaes ae ih 27 128 EN 27 555 27 678 XTA he AL Annual interest payments on equity funds withdrawn _Daperciaian E Tur Deductone n Dapricianan 7 ood 2000 iii 4 i00 Lond 10 1 100 i tidi 1000 from a property loan Tona Dadar Tio 35 178 ANETT zm 1ST 11m ETS m ma 31 082 31 198 Met Profit Lowa Haa maam tata m aa m1 EIN maTi 1 808 1 108 10 Interest on LOC Funds Used _Extimated Tax Retuced Pryable AHO TSE 1 108 nr mi s5 w Annual interest payments on LOC funds withdrawn an from this property m fier Tan Cashia P aa Hoti gem i5 18 15 nT 1194 7a PES 11 Total Annual Expenses PAO i Me a in ah i y 4 h a Total of all annual property expenses including a interest payments and additional expenses Disclaimer Property Investment Calculator and MV Software Pty Ltd accept no liability for the information contained in this document t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions 29 Copyright MV Software Pty Ltd 2010 Ten Year Forecast Report continued Overview Description Depreciation amp Tax Deductions This section identifies potential tax
57. rd of Finish Medium rs Froperty Type laial Townhouse eS Construction Year 1990 5 Calculate Ga Diminishing Value C Prime Gost mE Estimated Depreciation Schedule Year 1 8 Year 2 Year 3 Year 4 Year 5 Year 6 Year T Year amp Year 9 Year 10 Depreciation Calculator courtesy of Washington Brown Quantity Surveyors Website Geta Quote Disclaimer 25 Copyright MV Software Pty Ltd 2010 Tax amp Market Factors Market factors Menu Overview Description Market Factors 10 Year Average Capital Growth 1 Average Annual Capital Growth Use this option if you want to enter a single capital Aer Me eeunet Gerge eNA ACUN you m growth rate that will used as an average over 10 years expect your property to increase in value each year 0 Year Variable CPI Consumer Price Index 2 10 Year Average CPI Enter the estimated annual CPI Inflation amount The price of goods and services increases each default amount is 3 year due to inflation To reflect this Property oe Investment Calculator uses the CPI percentage to increase the Annual Property Expenses each year for the scenario reports CPI amp Inflation Consumer Price Index CPI The CPI is a convenient way to watch changes ere in price level One of the main uses of the CPI is to determine the inflation rate the rate of change Inflation as measured by the annual change in the CPI is key to the RBA s Reserve Bank o
58. reased from renovations Properties perpe ganep pu pr prr SS ay were Se ee oe Sceno Fineli Seer Riporti j mi ala p aa Parnoto Tracker vValue te Debt Cashhiow Selling Profit Whe Pays Financial Summary 10 Year Forocast Property Arahat 3 Renovations Ee 4 Pnperty Marine Value amp H nmealimra Actual renovation costs Cepia Growth i iph mi a r LTS rA 10k 0 oF 20 Wale Added 0 Oo 40 000 fal fi o o 4 Property Market Value Eroriz A p m SR by a 9 o o a Praperty Marked Waive 3 0 I 3 DAEN ii 131 98 16 298 BF HG EEIT Ba a0 HEE MASI a S30 Annual property market value this amount increases loan dees a woe a oe vat annually subject to capital growth and any value Loan Amount nw Mw A a AT A E OUT N OT nel added from renovations p p n 0 o o a a Loan be Valve Patio LVI ih Hh ah TTA EOT i ri iR 47h 42 FIK a F 1 0 Equity in Property ETI HFS AG Ta 10121 163171 aa E ta EH A JETTA 0812 pE 258 ay ta n Egi Aviles at LYR irs 1TH E403 Frij EE A pF Tia IH FH mAT 207 915 IFN HI EH HEL Loan amp Equity 5 Loan Amount A 3 Buying Power 1790 Pi n TAHE S41 Ez Lime LELT pH PE n 2ga 180 LLH Lao 1E E E a a This total will remain constant for an interest only Pantal incom J a _ B as P loan and will diminish when using a principal and Gross Renna katona WO OOO TMC OC ON performance of the loan to value ratio of the property Pe ee arene i ane ETA LH Bin TA T N h a
59. s screen you can enter the details of a 1 Property Address oroperty add photos notes and set the status of Enter the property address this information is the property visible in the saved property list 2 Property Details l eA Enter the property details JE E Anha O amrai penselen senh oie F PETG ji Ai properties can ba viewed imn Fea Miia it 3 Web Page 1 i ji m by selecting Archived If the property is for sale and listed on the internet oa rs copy and paste the web address here to create a ats Es l eee eee link to the property web page Purchased H E Check thuis tou i ygu Pae UCT i pper 4 Main Photo E A Nominate which photo will be used as the main 2 oe eE Capeia onsecu sem hal ura eae i nc ome nd coined STA Curent oT 5 Delete Web Fage fraplace and Siks cara ounge room through in Use this button to delete the selected photo 3 hin realealnie com aatpropertr inhouse gut naing art alkaable Drick puveel courtyard wan eon arte gate ko PLOY kiia for inereaions and firai home heroes ihe baal of Creare in this anny each 6 Add Photo Copy the web address of the property s ng eee ee ee Meng Sane See ehai and cafe Cee ard pase trip the field abawe Li phot Dia Add Photo Use this button to add images of the property 7 Property Status Nominate the status of this property as Purchased 4 5 6 9 8 Archived Archive the property and remove it from the active properties list
60. t t is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE TO THE EXTENT AUTHORISED BY LAW WITHOUT LIMITATION OF THE FOREGOING PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD EXPRESSLY DOES NOT WARRANTS THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED OR ERROR FREE YOU ASSUME RESPONSIBILITY FOR SELECTING THE SOFTWARE TO ACHIEVE YOUR INTENDED RESULTS AND FOR THE RESULTS OBTAINED FROM YOUR USE OF THE SOFTWARE YOU SHALL BEAR THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF THE SOFTWARE Limitation of Liability PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD CUMULATIVE LIABILITY TO YOU OR ANY PARTY RELATED TO YOU FOR ANY LOSS OR DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR INSTALLATION OR USE OF THE SOFTWARE AND DOCUMENTATION SHALL NOT EXCEED THE AMOUNT OF LICENCE FEES PAID TO PROPERTY INVESTMENT CALCULATOR AND MV SOFTWARE PTY LTD BY YOU UNDER THIS AGREEMENT THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION OR CLAIMS IN THE AGGREGATE INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT BREACH OF WARRANTY INDEMNITY NEGLIGENCE STRICT LIABILITY MISREPRESENTATION AND OTHER TORTS IN NO EVENT SHALL PROPERTY INVESTMENT CALCULA
61. tfall between rental income and expenses will have to be paid from other funds 1 Gross Rental Income Annual rental income before expenses 2 Gross Rental Yield Annual yield before property expenses 3 Net Rental Yield Annual yield after property expenses 4 Loan Interest Rates Annual loan interest rates 5 Loan Interest Payments Annual interest payments 6 Principal Repayments Annual principal repayments Principal amp Interest loans 7 Property Expenses 1 3 Annual property expenses increasing annually by the specified CPI percentage Parnoto Tracker Boerne Finenelats Properties Ecerniro Reports vValue te Debt Cashhiow Selling Profit Whe Pays 10 Yoar Forecast Property Arahat Deeecriptios Loar Amami TT IET waT IT TWT iT Te eT I aT TELT 1T eT LOC Lima 0 0 D D 0 D 0 D D koan ie Vaher Ratio LYI ii H ah TA th Aih tal TE att 4h 4h 4h Equity in Property BETI BLEI Bg Tal iO a1 Es 11 oat ar WH H JETS iea TF LE 754 aT Equity Availante si LVE Br TA PRANI EEA i a 5 IERO Ba H 2365F 207 915 pragne HENA JAEL Buying Power Nia 2 y be My Lae aig LA OT TRO 121M Lay 1wa Lowes ines eer Rabas ES BIS aah EIR EIS Le EIT EE ne EIR Lown interest Payments NH2 E IA IHI IHI IAI IHI IH IH E nA Prinicpal Repayments p 6 o j 0 oi 0 8 Additional Expenses 4 11 Property Expecsset 1 400 1802 1 808 LN 10H 4 153 4 278 447 asan ETH Annual total for any additional expenses a Ananonat Erpu
62. tware Pty Ltd accept no liability for the information contained in this document it is educational information only and not financial advice Always consult a qualified financial advisor or tax accountant before making financial investment decisions Copyright MV Software Pty Ltd 2010 1 Purchase Price This total is automatically populated from the Capital Expenses screen 2 Nearest Capital City Select from the list the nearest capital city to your property 3 Standard of Finish Select the standard quality of finishes between Low Medium and High 4 Property Type Select from the list the property type that is most similar to your property 5 Construction Year Enter the year the property was built 6 Calculate Click the calculate button to calculate the potential depreciation 7 Diminishing or Prime Cost Select the method of depreciation Diminishing Value Allows for greater depreciation up front with the amount diminishing over the remaining years Prime Cost Distributes the depreciation amount more consistently over the 10 year period 8 Estimated Depreciation Schedule Years 1 10 Based on the property specifications you have selected these totals are automatically calculated These amounts are an estimate only they are not to be used for tax purposes Depreciation Property Specifications Specification Purchase Price 360 000 gt Nearest City Sydney E Standa
63. u can differentiate between the Purchase Price 360 000 purchase price and the estimated market value to 3 Value vs Purchase Vallee Purch ine 5 20 000 identify any potential discount you may be receiving This displays the difference between market value and purchase price as a percentage and dollar amount Due Diligence Costs Posprip O a tinal Due Diligence Costs 4 Building Inspection ARA l Building Inspection Equity When purchasing a property you want to make sure E O EVSOLEN Pest Inspection Equity a a E rect inspection Omer Cash l y i Enter the estimated amount of a pest inspection j Other Cash This is where you can capture any costs associated due diligence 6 Other Total You can choose to nominate where your funds will Enter any other due diligence costs relevant to the be coming from to pay for any due diligence costs pie pery PUNES Cash Cash in bank savings Settlement Costs Equity Withdraw equity from a property loan Ow Settlement Costs 7 Deposit eee When purchasing a property you want to make sure Enter the estimated deposit amount for this property Stamp Duty Calculate Equity you will have sufficient funds available for the final E rane a H A P n te Legal Fees Equity a e eGciG purchase price is altered the dollar amount wi update automatically to the deposit percentage Other Cash Enter your estimated settlement costs here Total i 8 Stamp Duty me Your solicitor should be able to provide you with a eae
64. u select equity as the type of funds you must enter an interest rate for the equity The cost of borrowing the equity will automatically be calculated and added to the annual expenses of the investment property because it is the property the funds were used for y Family Home Withdraw 30k of 5 interest equity for deposit charged on 30k to buy investment of 1 500pa property SQ Automatically added to annual expenses of iy investment property Investment Property LOC Line of Credit Select LOC when you are withdrawing equity funds from the current investment property and using those funds to pay for expenses or capital improvements on the same property When you select LOC as the type of funds you must enter an interest rate for the LOC The cost of borrowing from the LOC will automatically be calculated and added to the annual expenses of the investment property because that is the property the funds were used for Automatically added to annual expenses of investment property y Investment Property Withdraw 30k of 5 interest equity for repairs charged on 30k and renovations of 1 500pa on this property Capitalise You can choose to capitalise your loan costs when purchasing a property When you select capitalise as the type of funds the amount is automatically added to the mortgage Interest on the amount capitalised is calculated at the same interest rate as prim
65. xpenses for your property Copyright MV Software Pty Ltd 2010 1 Rates Enter the estimated annual amount for council rates Annual Property Expenses 2 Land Tax 1 Description It is Important to capture all of your annual property Enter the estimated annual amount for land tax Sa expenses when undertaking pre purchase due Check your State Revenue Office website for land 2 diligence or forecasting the performance of an tax rates 3 Land Tax existing purchase m Building Insurance ii na cene comadh e opary Wai wee ginzly E ees eee amount for insurance i Body Corporate thought to be cashflow positive or positively geared 5 h i i j Repairs amp Maintenance 2 Eoo copot Jeen pasa Enter the estimated annual amount for body o Cleaning All annual property expenses will be automatically corporate fees applicable to property with common Service Contracts increased annually by the CPI percentage land apartments townhouses etc 7 Garden and Lawn Maintenance 5 Repairs amp Maintenance Letting Fee Enter the estimated annual amount for any repairs 9 i i Other and maintenance This amount should not include renovations or capital improvements 40 Other Prop Management Fee Y 6 Cleaning pony 2 Enter the estimated annual amount for any cleaning 11 contracts 7 Service Contracts Additional Annual Expenses Enter the estimated annual amount for any service Funds contracts ri a Year 1 8 Garden and Lawn Maint
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