This document discusses the financial considerations of leasing versus owning commercial property. It provides a sample case study comparing the costs of leasing a 2,500 square foot property versus purchasing it with a loan. Over 20 years, owning provides significant financial advantages over leasing due to appreciation, principal paydown, and tax benefits from depreciation. Current economic conditions make 2009-2010 a good time to purchase due to low interest rates, reduced construction costs, and moderated property prices.
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
Demystifying Mortgages - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Owning vs. Renting a Home - It's a Money Thing Tim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
Demystifying Mortgages - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Owning vs. Renting a Home - It's a Money Thing Tim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
This is a presentation I gave to non-financial people at the end of 2007 that explained how the housing market came to bring down some of the largest financial institutions and ultimately the world economy
The 5th eGuide in our series. Wondering how interest rates have an impact on your monthly mortgage payment? This eGuide will explain how rates and timing financially impact your future payments.
This is a presentation I gave to non-financial people at the end of 2007 that explained how the housing market came to bring down some of the largest financial institutions and ultimately the world economy
The 5th eGuide in our series. Wondering how interest rates have an impact on your monthly mortgage payment? This eGuide will explain how rates and timing financially impact your future payments.
Values Interventions: Ethics Scholarship in ActionMichael Zimmer
iConference 2013 panel discussion on “Values Interventions: Ethics Scholarship in Action,” focusing on the Values-In-Design Council‘s work alongside the various NSF-funded projects exploring future Internet architectures. I
Stuart Reid, Executive Director, Food Co-op Initiative (FCI), presented to start-up staff, steering committee, and Board members at NFCA's Sixth Annual Meeting. This presentation reviews some of the most important financial tools that every start-up food co-op needs. This includes Sources & Uses budget, financial pro formas, and market studies, and focus on how to understand these tools and use the information to strengthen your co-op's plans.
Rent V Own AnalysisStudent NameRent versus Own Analysis of a Perso.docxsodhi3
Rent V Own AnalysisStudent NameRent versus Own Analysis of a Personal ResidenceProperty InformationLoan Information:Loan-to-value ratio85.00%Purchase price$275,000Loan amount$233,750Initial Rent$18,000/yearInterest rate4.25%Rental growth rate3.50%Loan term (years)30Property growth rate3.25%Payments (per year)12Insurance$1,750Maintenance$250Expense growth3.00%Marginal tax rate28.00%Property tax %1.15%Selling expenses7.25%Loan and Equity Calculations Annual debt service (payment)$13,799 Annual loan constant5.90%Annual Debt Service/Original Loan Amount Equity investment$41,250Summary loan ScheduleEnd of year12345Annual Constant Payment$13,799$13,799$13,799$13,799$13,799EOP Balance229,809225,698221,408216,933212,263Annual Interest9,8589,6879,5099,3239,129Annual Principal3,9414,1114,2904,4764,670Property Data012345Property value$275,000283,938293,165302,693312,531322,688Rents18,00018,63019,28219,95720,655BTCF (owner)Year12345Property taxes3,1633,2653,3713,4813,594Insurance1,7501,8031,8571,9121,970Maintenance250258265273281Principal and Interest13,79913,79913,79913,79913,799Cash Outflows before taxes18,96119,12419,29219,46519,644Tax deductions from owningProperty taxes$3,163$3,265$3,371$3,481$3,594Interest9,8589,6879,5099,3239,129Total tax deductions$13,021$12,953$12,881$12,804$12,723Tax savings3,6463,6273,6073,5853,563Net cost of owningCash Outflows before taxes18,96119,12419,29219,46519,644Tax savings3,6463,6273,6073,5853,563After tax cost15,31615,49715,68615,88016,081Net cost of rentingRents$18,000$18,630$19,282$19,957$20,655Net Cash Flow of Renting Verses Owning Before SaleCost of renting$18,000$18,630$19,282$19,957$20,655Cost of owning15,31615,49715,68615,88016,081After Tax Cash Flow Own vs Rent$2,684$3,133$3,597$4,077$4,574BT Cash Flow - Sale12345Projected Sales price283,938293,165302,693312,531322,688Selling Costs20,58521,25421,94522,65823,395Mortgage balance229,809225,698221,408216,933212,263Benefit from sale (own - rent)33,54346,21359,34072,94087,030AT Cash Flow - SaleSales price$283,938$293,165$302,693$312,531$322,688Less selling costs20,58521,25421,94522,65823,395Less purchase price275,000275,000275,000275,000275,000Gain on sale(11,648)(3,089)5,74814,87224,293Exclusion on Capital Gains005,74814,87224,293Taxable gain00000Tax 00000After tax cash flow33,54346,21359,34072,94087,030Cash savings and IRR summaryCash flowsAT IRRYear Sold0123451-41,250$36,227-12.18%2-41,2502,68449,34612.68%3-41,2502,6843,13362,93619.57%4-41,2502,6843,1333,59777,01721.84%5-41,2502,6843,1333,5974,07791,60422.50%
AssumptionsExample Project AssumptionsPurchase price of house$ 275,000Apartment Rent per month$ 1,500Rent growth per year3.50%House price appreciation per year3.25%Annual home owners insurance cost$ 1,750Annual home owners maintenance expense$ 250Expense growth per year3.00%Marginal tax rate28.00%Property tax rate1.15%Selling expenses7.25%Loan informationBank loan to value85.00%Interest rate4.25%Loan term in years30Other InformationAlternative inves ...
Learn about financing college using real estate. This presentation shows forms for setting up your ownership and the tax implications. Go to www.zerocollegedebt.com for more information.
Essential Real Estate Modeling in ExcelAsen Gyczew
What is the aim of this course?
Modeling real estate in Excel is not easy. In real estate, you will have to forecast the cash flow for long investment periods. In most models, you will have to forecast loan payments, maintenance costs, operational costs, and potential revenues from operating the real estate. On top of that, in real estate, we have different business models that will have different business drivers. To make your work easier, I will teach you in this course how to model in Excel fast and efficiently real estate investments.
In this course you will learn the following things:
1. Essential concepts related to real estate and modeling them in Excel
2. What are the main drivers of the profits in real estate for different business models
3. How to model buy & rent of real estate in Excel
4. How to model in Excel hotels and other short-term renting businesses (Airbnb, booking.com)
5. How to model in Excel flips/flipping
6. How to make decisions on the investment in real estate, based on the Excel model
For more information check my online course: https://bit.ly/RealEstateModels
The Sale-Leaseback (SLB) Advantage: This document provides an overview on the advantages of a real estate Sale-Leaseback Transaction. Information could be of interest to middle-market companies, private equity firms with portfolio companies and/or owner-users of real estate.
Real Estate Investing: The Key To Long Term WealthTeam Nickerson
You will lean why real estate is such a great investment vehicle, why you want to invest in real estate for the long term, how to analyze a property, how to chose where to invest based on economic fundamentals, and how to be a successful investor.
State of the Property Market In Australia - The Risks and Opportunities for I...First In Finance
The global and local economic factors affecting the property market in Australia. What investor's can do to prepare and how they can take advantage of the current cycle.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
4. Benefits & Risks of Leasing vs. Ownership Advantage Disadvantage Leasing -Location -Flexibility -Capital Preservation/Availability of cash -Source of Financing -Long Term cost -Loss of salvage value -Control of your environment -Annual escalators Ownership -Control -Debt Reduction -Equity buildup -Appreciation -Tax advantage/depreciation/ Sales -Fixed long term cost during inflationary times -Capital Outlay -Spatial inflexibility -Management of property -Financing -Financial Liabilities -Capital & repair & Maintenance
5.
6. A Sample Case Study RENT VS. OWN COMPARISON SAMPLE PROPERTY SIZE 2500 Sq. ft 8 PRIVATE PARKING SPACE RENT OWN LEASE ASSUMPTION: Rent per square foot per month $1.33 Rent per month (Total) $3,333 PURCHASE ASSUMPTION: Purchase Price: $625,000 START - UP COST Pre-paid Rent and Security Deposit $9,000 Total Start-up cost $9,000 START - UP COST Cash Down payment (10%) $62,500 Loan Fee and Cost $12,500 Total Start-Up Cost $75,000 MONTHLY COST: Per sq.ft. Amount Rent Payment $1.33 $3,333 NNN Operating cost $0.50 $1,250 Reserve for repairing ---- ---- Annual Depreciation: At 40% Tax bracket $0.00 $0.00 Total Monthly Cost $1.85 $4,583 MONTHLY COST: Per sq.ft. Amount Mortgage Payment $1.50 $3,784 Operating cost $0.50 $1,250 Reserve for repairing $0.06 $150 Annual Depreciation: At 40% Tax bracket ($0.27) $675 Total Monthly Cost $1.45 $4,509 ADDITIONAL MONTHLY OWNERSHIP BENEFITS: Annual Appreciation: At 2% $0.00 Average monthly Principal Payment $0.00 Total Ownership Benefits $0.00 TOTAL EFFECTIVE MONTHLY COST $4,583 ADDITIONAL MONTHLY OWNERSHIP BENEFITS: Annual Appreciation: At 2% $1,041 Average monthly Principal Payment $950 Total Ownership Benefits $1,991 TOTAL EFFECTIVE MONTHLY COST $2,518 IMPORTANT NOTES: The Rent amount shown above is for the starting year. Most leases provide for rent increases of about 3%per year. After 10 years, the mortgage payment would remain the same, but the rent will increase by 34% to: $4,873 per month. Calculations based upon the prevailing interest rates as of October 2009.
7. A Sample Case Study LONG TERM COMPETITIVE ADVANTAGE OF OWNERSHIP Property Loan Loan Lease Value Balance Equity Payment Payment Years 5 $690,000 $508,481 $181,519 $3,784/$45,408 $3,863/$46,356 Year 10 $761,900 $429,960 $331,940 $3,784/$45,408 $4,479/$53,748 Year 15 $841,167 $323,879 $517,288 $3,784/$45,408 $5,192/$62,304 Year 20 $928,717 $181,799 $746,918 $3,784/$45,408 $6,019/$72,228 SBA 504 FINANCING PROGRAM Purchase Price : $ 625,000 Note that interest rates vary from month to Cash Down Payment (10%): - $62,500 month and loan term differ from one lender to another Amount Financing: $562,500 The SBA 504 financing program combines a loan from a regular bank 50%of the total loan amount and a loan from the SBA for 40%of the total loan amount (total 90%). The buyer provides a 10% cash down payment SBA FINANCING: 1 St Mortgage by Bank 2 nd Mortgage by SBA Loan Amount: $312,500 $250,000 Interest Rates: 7% 5% Amortization in year: 30years of amortization 20years of amortization Percent of Total Loan Amount: 50% of total 40% of Total Loan Fee : 1%$3,125 2.15%$5,375 Monthly payment: $2,099 $1,685
![Welcome to $uccessful Commercial Property Ownership Series ,[object Object],Jim West, Associate Ron Frederiksen President, CEO Lori Milton Senior Loan Officer Tammy Haas Vice President, Business Banking Officer](https://image.slidesharecdn.com/westpresentationupdated10-21-09-100103223418-phpapp01/85/West-Presentation-Updated-1-320.jpg)
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