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HUD vs. BANK Acquisition Analysis
Apartments
Number
Rents
Monthly
Annual
1 Bedroom
2 Bedroom
3 Bedroom
Total
Total Gross Income
Other Income
Total Income
Vacancy
EGI
Expenses
Per Unit
NOI
Purchase Price
NOI
Appraisal Valuation
NOI
Assumptions
Cap Rate
Estimated Value
Sales price and appraised value is the same
Seller agrees to a second mortgage
Conventional
HUD
Cash Flow Analysis
NOI
Debt Coverage Ratio
Annual Income Available for Debt Service
Monthly Payment
Interest Rate
Term
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
18
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
18
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Maximum Loan based on Cash Flow
Purchase Price
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
92.5%
Loan to Value
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
92.5%
Maximum based on Cash Flow
Maximum Loan
Cash Required before Closing Fees
Closing Fees
Points
Processing
Legal
Reserves
Improvements
Total Closing Fees
Cash Requirement with closing fees
Payment Analysis
First Mortgage
Loan Amount
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
Interest Rate
Term
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40+$K$54
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40+$K$54
First Mortgage Payment
Annual Debt Service
Second Mortgage
Loan Amount
Interest Rate
Term
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40+$K$54
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40+$K$54
First Mortgage Payment
Annual Debt Service
Total Debt Service
Net Cash Flow
Debt Coverage Ratio
Net Cash Flow
Cash Required
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This interactive calculator is made available to you as a financial tool for your sole use. It is not intended to provide investment advice. Bedford Lending cannot and does not guarantee its accuracy. All results are hypothetical and are for illustrative purposes. We encourage you to seek professional advice for any commercial real estate transactions.
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