Real Estate Investing - Amazon S3 · 3 Real Estate - with 100k WL Policy Month Capital Balance...

Real Estate Investing

Current Picture

Savings: $1,500,000 earning 0.5%

Wants to start getting $ into Life Insurance

Needs to keep money on hand for

Real Estate Deals

Highlights

100,000 policy on him (Age 50 Great Health)

Face Value $1,607,756

Investment 1 - Appreciation

Property Value: 635,000

Total Purchase Price: 650,500

Down Payment: 142,500

80% LTV: 508,000, 3.75%,

20 years, Pmt = 3,012

Net Monthly CF: 614

Sale Price in 5 years: 660,900

Net Cash Out in 5 yrs: 179,700

ROR: 11.07%

Investment 2 – Fix Cash Flow

Property Value: 2,500,000

Total Purchase Price: 2,360,000

80% LTV: 2,000,000, 3.5%,

30 years, Pmt = 8,981

Net Monthly CF: 19 (?+500-750)

Sale Price in 5 years: 2,500,000

Net Cash Out in 5 yrs: 446,770

ROR: 6.86%Could be 8.07% to 8.68%

Investment 3 – Cash Flow

Property Value: 3,700,000

Total Purchase Price: 3,900,000

80% LTV: 2,960,000, 4%,

30 years, Pmt = 14,131

Net Monthly CF: 3,869

Est Value in 83 mos: 3,900,000

Net Cash if sold: 887,829

ROR: 6.85%(Increases with time since

property is cash flowing)

Investment 4 – “Fixer-Upper”

80% LTV: 400,000, 4%,

30 years, Pmt = 1,910

Net Monthly CF: -13,243

Sale Price 8 mos: 700,000

Net Cash if sold: 232,664

ROR: 28.05%(decreases with time since

property is not cash flowing)

Investment 5 – Private Lending

80% LTV: 600,000, Waiting for

Bank Approval

Net Monthly CF: 0

Return in 8 mos: 623,585

ROR: 5.80%

$2,017,006

$2,077,595

500,000

1,000,000

1,500,000

2,000,000

1 2 3 4 5 6 7 8 9 10

Traditional With Policy

Face Value: 2,518,774

$1,129,177

$2,224,269

$1,189,766

$3,552,912

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

Traditional With Policy

Face Value: 3,733,279

3 Real Estate - with 100k WL Policy

Month Capital Balance Premium CV Policy Loan Investment CF 1 Investment CF 2 Investment CF 3 Investment CF 4

Captial +

Available CV

0 $1,500,000.00 $1,500,000.00

1 $1,400,625.00 -$100,000.00 $70,640.00 $0.00 $1,400,625.00

2 $1,401,208.59 $70,640.00 $0.00 $1,471,848.59

3 $1,401,792.43 $70,640.00 $0.00 $1,472,432.43

4 $1,259,876.51 $70,640.00 $0.00 $142,500.00 $1,330,516.51

5 $1,261,015.46 $70,640.00 $0.00 $614.00 $1,331,655.46

6 $1,262,154.88 $70,640.00 $0.00 $614.00 $1,332,794.88

7 $1,263,294.78 $70,640.00 $0.00 $614.00 $1,333,934.78

8 $1,264,435.15 $70,640.00 $0.00 $614.00 $1,335,075.15

9 $1,265,576.00 $70,640.00 $0.00 $614.00 $1,336,216.00

10 $1,266,717.32 $70,640.00 $0.00 $614.00 $1,337,357.32

11 $907,859.12 $70,640.00 $0.00 $614.00 $360,000.00 $978,499.12

12 $908,870.40 $70,640.00 $0.00 $614.00 $19.00 $979,510.40

13 $809,882.09 -$100,000.00 $148,895.00 $0.00 $614.00 $19.00 $880,522.09

14 $810,852.54 $148,895.00 $0.00 $614.00 $19.00 $959,747.54

15 $811,823.40 $148,895.00 $0.00 $614.00 $19.00 $960,718.40

16 $812,794.66 $148,895.00 $0.00 $614.00 $19.00 $961,689.66

17 $813,766.32 $148,895.00 $0.00 $614.00 $19.00 $962,661.32

18 $814,738.39 $148,895.00 $0.00 $614.00 $19.00 $963,633.39

19 $815,710.87 $148,895.00 $0.00 $614.00 $19.00 $964,605.87

20 $816,683.75 $148,895.00 $0.00 $614.00 $19.00 $965,578.75

21 $817,657.03 $148,895.00 $0.00 $614.00 $19.00 $966,552.03

22 $818,630.72 $148,895.00 $0.00 $614.00 $19.00 $967,525.72

23 $819,604.82 $148,895.00 $0.00 $614.00 $19.00 $968,499.82

24 $820,579.32 $148,895.00 $0.00 $614.00 $19.00 $969,474.32

25 $721,554.23 -$100,000.00 $258,148.00 $0.00 $614.00 $19.00 $870,449.23

26 $722,487.88 $258,148.00 $0.00 $614.00 $19.00 $980,635.88

27 $723,421.91 $258,148.00 $0.00 $614.00 $19.00 $981,569.91

28 $724,356.34 $258,148.00 $0.00 $614.00 $19.00 $982,504.34

29 $725,291.15 $258,148.00 $0.00 $614.00 $19.00 $983,439.15

30 $726,226.36 $258,148.00 $0.00 $614.00 $19.00 $984,374.36

31 $727,161.95 $258,148.00 $0.00 $614.00 $19.00 $985,309.95

Captial +

Available CV

32 $728,097.94 $258,148.00 $0.00 $614.00 $19.00 $986,245.94

33 $729,034.31 $258,148.00 $0.00 $614.00 $19.00 $987,182.31

34 $729,971.08 $258,148.00 $0.00 $614.00 $19.00 $988,119.08

35 $730,908.23 $258,148.00 $0.00 $614.00 $19.00 $989,056.23

36 $731,845.78 $258,148.00 $0.00 $614.00 $19.00 $989,993.78

37 $632,783.71 -$100,000.00 $372,535.00 $0.00 $614.00 $19.00 $890,931.71

38 $0.00 $372,535.00 $306,319.63 $614.00 $19.00 $940,000.00 $66,215.37

39 $0.00 $372,535.00 $303,221.59 $614.00 $19.00 $3,869.00 $69,313.41

40 $0.00 $372,535.00 $300,109.36 $614.00 $19.00 $3,869.00 $72,425.64

41 $0.00 $372,535.00 $296,982.86 $614.00 $19.00 $3,869.00 $75,552.14

42 $0.00 $372,535.00 $293,842.03 $614.00 $19.00 $3,869.00 $78,692.97

43 $0.00 $372,535.00 $290,686.81 $614.00 $19.00 $3,869.00 $81,848.19

44 $0.00 $372,535.00 $287,517.12 $614.00 $19.00 $3,869.00 $85,017.88

45 $0.00 $372,535.00 $284,332.91 $614.00 $19.00 $3,869.00 $88,202.09

46 $0.00 $372,535.00 $281,134.10 $614.00 $19.00 $3,869.00 $91,400.90

47 $0.00 $372,535.00 $277,920.63 $614.00 $19.00 $3,869.00 $94,614.37

48 $0.00 $372,535.00 $274,692.44 $614.00 $19.00 $3,869.00 $97,842.56

49 $0.00 -$27,326.46 $421,522.00 $298,775.90 $614.00 $19.00 $3,869.00 $73,759.10

50 $0.00 $421,522.00 $295,643.29 $614.00 $19.00 $3,869.00 $125,878.71

51 $0.00 $421,522.00 $292,496.32 $614.00 $19.00 $3,869.00 $129,025.68

52 $0.00 $421,522.00 $289,334.93 $614.00 $19.00 $3,869.00 $132,187.07

53 $0.00 $421,522.00 $286,159.05 $614.00 $19.00 $3,869.00 $135,362.95

54 $0.00 $421,522.00 $282,968.61 $614.00 $19.00 $3,869.00 $138,553.39

55 $0.00 $421,522.00 $279,763.55 $614.00 $19.00 $3,869.00 $141,758.45

56 $0.00 $421,522.00 $276,543.80 $614.00 $19.00 $3,869.00 $144,978.20

57 $0.00 $421,522.00 $273,309.30 $614.00 $19.00 $3,869.00 $148,212.70

58 $0.00 $421,522.00 $270,059.96 $614.00 $19.00 $3,869.00 $151,462.04

59 $0.00 $421,522.00 $266,795.74 $614.00 $19.00 $3,869.00 $154,726.26

60 $0.00 $421,522.00 $363,516.55 $614.00 $19.00 $3,869.00 $100,000.00 $58,005.45

61 $0.00 -$27,326.46 $471,838.00 $401,250.13 $614.00 $19.00 $3,869.00 $13,243.00 $20,271.87

62 $0.00 $471,838.00 $411,830.19 $614.00 $19.00 $3,869.00 $13,243.00 $60,007.81

63 $0.00 $471,838.00 $422,458.75 $614.00 $19.00 $3,869.00 $13,243.00 $49,379.25

Captial +

Available CV

64 $0.00 $471,838.00 $253,436.02 $180,314.00 $19.00 $3,869.00 $13,243.00 $218,401.98

65 $0.00 $471,838.00 $263,952.60 $19.00 $3,869.00 $13,243.00 $207,885.40

66 $0.00 $471,838.00 $274,517.38 $19.00 $3,869.00 $13,243.00 $197,320.62

67 $0.00 $471,838.00 $285,130.59 $19.00 $3,869.00 $13,243.00 $186,707.41

68 $0.00 $471,838.00 $63,128.43 $19.00 $3,869.00 $219,421.00 $408,709.57

69 $0.00 $471,838.00 $59,529.77 $19.00 $3,869.00 $412,308.23

70 $0.00 $471,838.00 $55,914.62 $19.00 $3,869.00 $415,923.38

71 $394,487.11 $471,838.00 $0.00 $446,789.00 $3,869.00 $866,325.11

72 $0.00 $471,838.00 $201,479.52 $3,869.00 $600,000.00 $270,358.48

73 $0.00 -$27,326.46 $523,665.00 $225,860.43 $3,869.00 $0.00 $245,977.57

74 $0.00 $523,665.00 $223,026.62 $3,869.00 $0.00 $300,638.38

75 $0.00 $523,665.00 $220,179.83 $3,869.00 $0.00 $303,485.17

76 $0.00 $523,665.00 $217,319.99 $3,869.00 $0.00 $306,345.01

77 $0.00 $523,665.00 $214,447.04 $3,869.00 $0.00 $309,217.96

78 $412,023.91 $523,665.00 $0.00 $3,869.00 $623,584.83 $935,688.91

79 $416,064.59 $523,665.00 $0.00 $3,869.00 $939,729.59

80 $420,106.95 $523,665.00 $0.00 $3,869.00 $943,771.95

81 $424,150.99 $523,665.00 $0.00 $3,869.00 $947,815.99

82 $428,196.72 $523,665.00 $0.00 $3,869.00 $951,861.72

83 $432,244.14 $523,665.00 $0.00 $3,869.00 $955,909.14

84 $436,293.24 $523,665.00 $0.00 $3,869.00 $959,958.24

85 $413,017.57 -$27,326.46 $576,990.00 $0.00 $3,869.00 $936,682.57

86 $417,058.66 $576,990.00 $0.00 $3,869.00 $994,048.66

87 $421,101.43 $576,990.00 $0.00 $3,869.00 $998,091.43

88 $425,145.89 $576,990.00 $0.00 $3,869.00 $1,002,135.89

89 $429,192.04 $576,990.00 $0.00 $3,869.00 $1,006,182.04

90 $433,239.87 $576,990.00 $0.00 $3,869.00 $1,010,229.87

91 $437,289.38 $576,990.00 $0.00 $3,869.00 $1,014,279.38

92 $441,340.59 $576,990.00 $0.00 $3,869.00 $1,018,330.59

93 $445,393.48 $576,990.00 $0.00 $3,869.00 $1,022,383.48

94 $449,448.06 $576,990.00 $0.00 $3,869.00 $1,026,438.06

95 $453,504.33 $576,990.00 $0.00 $3,869.00 $1,030,494.33

Captial +

Available CV

96 $457,562.29 $576,990.00 $0.00 $3,869.00 $1,034,552.29

97 $434,295.48 -$27,326.46 $632,212.00 $0.00 $3,869.00 $1,011,285.48

98 $438,345.44 $632,212.00 $0.00 $3,869.00 $1,070,557.44

99 $442,397.08 $632,212.00 $0.00 $3,869.00 $1,074,609.08

100 $446,450.41 $632,212.00 $0.00 $3,869.00 $1,078,662.41

101 $450,505.43 $632,212.00 $0.00 $3,869.00 $1,082,717.43

102 $454,562.14 $632,212.00 $0.00 $3,869.00 $1,086,774.14

103 $458,620.54 $632,212.00 $0.00 $3,869.00 $1,090,832.54

104 $462,680.64 $632,212.00 $0.00 $3,869.00 $1,094,892.64

105 $466,742.42 $632,212.00 $0.00 $3,869.00 $1,098,954.42

106 $470,805.90 $632,212.00 $0.00 $3,869.00 $1,103,017.90

107 $474,871.07 $632,212.00 $0.00 $3,869.00 $1,107,083.07

108 $478,937.93 $632,212.00 $0.00 $3,869.00 $1,111,149.93

109 $455,680.03 -$27,326.46 $689,345.00 $0.00 $3,869.00 $1,087,892.03

110 $459,738.89 $689,345.00 $0.00 $3,869.00 $1,149,083.89

111 $463,799.45 $689,345.00 $0.00 $3,869.00 $1,153,144.45

112 $467,861.70 $689,345.00 $0.00 $3,869.00 $1,157,206.70

113 $471,925.64 $689,345.00 $0.00 $3,869.00 $1,161,270.64

114 $475,991.28 $689,345.00 $0.00 $3,869.00 $1,165,336.28

115 $480,058.61 $689,345.00 $0.00 $3,869.00 $1,169,403.61

116 $484,127.63 $689,345.00 $0.00 $3,869.00 $1,173,472.63

117 $488,198.35 $689,345.00 $0.00 $3,869.00 $1,177,543.35

118 $492,270.77 $689,345.00 $0.00 $3,869.00 $1,181,615.77

119 $496,344.88 $689,345.00 $0.00 $3,869.00 $1,185,689.88

120 $1,388,249.69 $689,345.00 $0.00 $891,698.00 $2,077,594.69

3 Real Estate - Traditional

Month Capital Change Capital Balance Investment CF 1 Investment CF 2 Investment CF 3 Investment CF 4

0 $1,500,000.00 $1,500,000.00

1 $1,500,625.00

2 $1,501,250.26

3 $1,501,875.78

4 $1,360,001.56 $142,500.00

5 $1,361,182.23 $614.00

6 $1,362,363.39 $614.00

7 $1,363,545.04 $614.00

8 $1,364,727.18 $614.00

9 $1,365,909.82 $614.00

10 $1,367,092.95 $614.00

11 $1,008,276.57 $614.00 $360,000.00

12 $1,009,329.69 $614.00 $19.00

13 $1,010,383.24 $614.00 $19.00

14 $1,011,437.23 $614.00 $19.00

15 $1,012,491.67 $614.00 $19.00

16 $1,013,546.54 $614.00 $19.00

17 $1,014,601.85 $614.00 $19.00

18 $1,015,657.60 $614.00 $19.00

19 $1,016,713.79 $614.00 $19.00

20 $1,017,770.42 $614.00 $19.00

21 $1,018,827.49 $614.00 $19.00

22 $1,019,885.00 $614.00 $19.00

23 $1,020,942.96 $614.00 $19.00

24 $1,022,001.35 $614.00 $19.00

25 $1,023,060.18 $614.00 $19.00

26 $1,024,119.46 $614.00 $19.00

27 $1,025,179.17 $614.00 $19.00

28 $1,026,239.33 $614.00 $19.00

29 $1,027,299.93 $614.00 $19.00

30 $1,028,360.97 $614.00 $19.00

31 $1,029,422.46 $614.00 $19.00

32 $1,030,484.38 $614.00 $19.00

33 $1,031,546.75 $614.00 $19.00

34 $1,032,609.56 $614.00 $19.00

35 $1,033,672.82 $614.00 $19.00

36 $1,034,736.51 $614.00 $19.00

37 $1,035,800.65 $614.00 $19.00

38 $96,865.24 $614.00 $19.00 $940,000.00

39 $101,407.60 $614.00 $19.00 $3,869.00

40 $105,951.85 $614.00 $19.00 $3,869.00

41 $110,498.00 $614.00 $19.00 $3,869.00

42 $115,046.04 $614.00 $19.00 $3,869.00

43 $119,595.97 $614.00 $19.00 $3,869.00

44 $124,147.81 $614.00 $19.00 $3,869.00

45 $128,701.53 $614.00 $19.00 $3,869.00

Note: This is a projection of what could happen and does not guarantee any results.

46 $133,257.16 $614.00 $19.00 $3,869.00

47 $137,814.68 $614.00 $19.00 $3,869.00

48 $142,374.11 $614.00 $19.00 $3,869.00

49 $146,935.43 $614.00 $19.00 $3,869.00

50 $151,498.65 $614.00 $19.00 $3,869.00

51 $156,063.78 $614.00 $19.00 $3,869.00

52 $160,630.80 $614.00 $19.00 $3,869.00

53 $165,199.73 $614.00 $19.00 $3,869.00

54 $169,770.57 $614.00 $19.00 $3,869.00

55 $174,343.30 $614.00 $19.00 $3,869.00

56 $178,917.95 $614.00 $19.00 $3,869.00

57 $183,494.50 $614.00 $19.00 $3,869.00

58 $188,072.95 $614.00 $19.00 $3,869.00

59 $192,653.32 $614.00 $19.00 $3,869.00

60 $97,235.59 $614.00 $19.00 $3,869.00 $100,000.00

61 $88,535.10 $614.00 $19.00 $3,869.00 $13,243.00

62 $79,830.99 $614.00 $19.00 $3,869.00 $13,243.00

63 $71,123.26 $614.00 $19.00 $3,869.00 $13,243.00

64 $242,111.89 $180,314.00 $19.00 $3,869.00 $13,243.00

65 $232,857.77 $19.00 $3,869.00 $13,243.00

66 $223,599.79 $19.00 $3,869.00 $13,243.00

67 $214,337.96 $19.00 $3,869.00 $13,243.00

68 $437,736.27 $19.00 $3,869.00 $219,421.00

69 $441,806.66 $19.00 $3,869.00

70 $445,878.74 $19.00 $3,869.00

71 $896,722.53 $446,789.00 $3,869.00

72 $300,965.16 $3,869.00 $600,000.00

73 $304,959.56 $3,869.00 $0.00

74 $308,955.63 $3,869.00 $0.00

75 $312,953.36 $3,869.00 $0.00

76 $316,952.76 $3,869.00 $0.00

77 $320,953.82 $3,869.00 $0.00

78 $948,541.38 $3,869.00 $623,584.83

79 $952,805.61 $3,869.00

80 $957,071.61 $3,869.00

81 $961,339.39 $3,869.00

82 $965,608.95 $3,869.00

83 $969,880.29 $3,869.00

84 $974,153.40 $3,869.00

85 $978,428.30 $3,869.00

86 $982,704.98 $3,869.00

87 $986,983.44 $3,869.00

88 $991,263.68 $3,869.00

89 $995,545.71 $3,869.00

90 $999,829.52 $3,869.00

91 $1,004,115.12 $3,869.00

92 $1,008,402.50 $3,869.00

93 $1,012,691.66 $3,869.00

94 $1,016,982.62 $3,869.00

95 $1,021,275.36 $3,869.00

96 $1,025,569.89 $3,869.00

97 $1,029,866.21 $3,869.00

98 $1,034,164.33 $3,869.00

99 $1,038,464.23 $3,869.00

100 $1,042,765.92 $3,869.00

101 $1,047,069.41 $3,869.00

102 $1,051,374.69 $3,869.00

103 $1,055,681.76 $3,869.00

104 $1,059,990.63 $3,869.00

105 $1,064,301.29 $3,869.00

106 $1,068,613.75 $3,869.00

107 $1,072,928.00 $3,869.00

108 $1,077,244.06 $3,869.00

109 $1,081,561.91 $3,869.00

110 $1,085,881.56 $3,869.00

111 $1,090,203.01 $3,869.00

112 $1,094,526.26 $3,869.00

113 $1,098,851.31 $3,869.00

114 $1,103,178.17 $3,869.00

115 $1,107,506.83 $3,869.00

116 $1,111,837.29 $3,869.00

117 $1,116,169.55 $3,869.00

118 $1,120,503.62 $3,869.00

119 $1,124,839.50 $3,869.00

120 $2,017,006.18 $891,698.00

Real Estate Investing - Amazon S3 · 3 Real Estate - with 100k WL Policy Month Capital Balance...

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Real Estate Investment Strategies

Centurion Apartment Real Estate Investment Trust...Centurion Apartment Real Estate Investment Trust (the “REIT”)is an income-producing, diversified real estate investment trust

AGELLAN COMMERCIAL REAL ESTATE INVESTMENT TRUST€¦ · Agellan Commercial Real Estate Investment Trust (the "REIT'') is an open-ended real estate investment trust established under,