Leevi Bruens, left, pulls in a fish as Hunter Anderson tries to hook a fish in a pool at Maple Elementary School in Hoopeston on Tuesday, Feb. 3, 2009. Pre kindergarten through second grade students at Maple who have earned five "bear paws" as part of the school's Positive Behavioral Interventions and Supports program got to participate in a "beach party" at the school. Activities included playing beach volleyball, having a picture taken in front of a beach scene and decorating a picture frame; making an underwater mural; participating in a toss games; and looking for buried treasure. The event rewards students who have consistently been safe, respectful and responsible in their daily school activities. About 325 students participated. Jack Carey, left, president of the Illinois State Bar Association, presents University of Illinois College of Law Dean Virginia Vermillion with a maquette, or bust, of Abraham Lincoln at Max L. Rowe Auditorium at the Law Building in Champaign on Wednesday, Feb. 4, 2009. The maquette was made by Lincoln scholar and sculptor John W. Bar Association office in Springfield. Brandon T. Washington, local performer and Urbana music teacher, prepares to read one of his favorite books, "Abiyoyo," at Dr. Howard Elementary School's annual Celebrity Reading Night on Wednesday, Feb. 4, 2009. Washington, local performer and Urbana music teacher. Tonja Buford Bailey, the University of Illinois women's track and field coach and 1996 Olympic bronze medalist, reads "Wilma Unlimited," a story about one of her heroes, Wilma Rudolph. She was at Dr. Howard Elementary School's annual Celebrity Reading Night on Wednesday, Feb. 4, 2009, in the school library. Washington, local performer and Urbana music teacher. 4, 2009, at Dr. Howard Elementary School's annual Celebrity Reading Night. This year's readers at the Champaign school were Harrington; Nathaniel Banks, a Champaign school board member and musician; Tonja Buford Bailey, University of Illinois women's track and field coach and 1996 Olympic bronze medalist; and Brandon T. Washington, local performer and Urbana music teacher. Nathaniel Banks, a Champaign school board member and musician, reads about one of his musical heroes, Louis Armstrong, at Dr. Howard Elementary School's annual Celebrity Reading Night on Wednesday, Feb. 4, 2009. 9 13. The drive, which also will take place in schools throughout the county, will raise money for CASA of Vermilion County. CASA, which stands for Court Appointed Special Advocates, is a nonprofit agency that trains volunteers to advocate for children who are wards of the juvenile court because they have been victims of abuse and neglect. 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You should figure out what the property is worth. What you would pay a total stranger for it. Then let your aunt know what you think it is worth and what you'd be willing to pay for it. If the number is not in line with what she expects, you should not just say, "well she's family, let me pay what she wants". If you come up with 60K and she wants 70K, you're faced with the choice of literally giving her $10K of your hard earned money. Instead of assuming you should pay her the higher price, why not work off the assumption that she should come down to what it is actually worth. Afterall, you are family so why shouldn't she give you a deal on it :)Based on those goals, I could hand the information about the actual properties to another investor and the investor could tell me whether the properties would meet my goals or not, and if not, what I could change about the deal to have it meet my goals. Your goals aren't specific enough that I can take the information you've provided and tell you if the deal will meet those goals (or how to change the deal to make it meet your goals). So, what are your SPECIFIC goals for this deal? You would really have to drill down and see if those rent numbers are accurate or not. Rent depends on location. Urban, suburban, rural the rents change by as little as a block in urban core. The next issue is if the way you want to set them up would be legal rental apartments or would you have to do a ton of work to them?? WHY would you be putting 20k down on a 73k property?? That comes out to 27% down. Why not look at a quad for FHA at 3.5% down?? Better breakeven occupancy with 3 renters help pay for your unit so you can live rent free. The loan is assumable to qualified buyers down the road which will be a bonus in coming years. Personally in a family situation like this I wouldn't touch it. Not much to gain and a lot to lose. the great aunt sounds like they are saying 20k work so we will give you this price. They are not factoring the time and energy needing a return for equity. WHY would I buy something at 73k needing 20k of work for no forced equity when I can just buy something already completed at that price?? I save time and energy. You can show them your goals and numbers and why you can only pay XX price for the property. You need to figure out what purchase price will make it work for YOU and let the seller know what you can pay for it. If they don't like that price, then move on to another deal. They'll leave and the unit will be empty will your fixing it up and finding a new tenant. What about capital costs (depending on the area and property, you'll likely spend at least $20,000 every 20 years to replace roofs, HVAC units, water heaters, etc)? What about turnover costs (when a tenant leaves, you'll likely have to paint, replace some flooring, repair or replace cabinets/countertops, etc)? Then there's lawn care, CPA/attorney costs, termite treatments, etc. And any extra surprises that you assume can't happen (like evictions). In general, operating expenses plus vacancy and capital costs will fall somewhere in the 45 55% range (based on both my experiences, experiences of others I know, experiences of others I've heard about and national averages I've seen). This does NOT include debt service. A lot of times here on BP, we talk about "the 50% rule," which is basically just shorthand for assuming all expenses will come in around 50% of gross rents. Could be more, could be less, but over a long period of ownership, it's a reasonable estimate. So, if your gross rents are $18K/year, your NOI is likely somewhere in the $9K/year range. Subtract your debt service of about $5400/year, and your cash flow is likely in the range of $3600/year. On a $20K investment, that's a solid 18% return, which is very good. But, I saw some flaws in your analysis: First, you said purchase price of $82,000 + $2500 in closing costs + $26,000 in repairs. That equals $110,500. But, then you said the total investment was $102,000. Somewhere, you saved $8500 without telling us. Assuming the $110,500 number is correct, your $20K downpayment would be an 18% downpayment. Are you sure your lender will do less than 20% down on whatever type of loan you're expecting? What type of loan are you getting? Are you sure your lender will wrap the rehab costs into your loan? If not, you need to come up with the downpayment PLUS the $26,000 in rehab costs.
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