Future Wealth Planner - Year 1

Property Address
South Place
East Place
North Street
West Street
Outback OZ
Mining Uranium

Totals

Purchase Price
$
250,000
$
200,000
$
300,000
$
285,000
$
180,000
$
250,000

$
$
$
$
$
$

Valuation
300,000
240,000
320,000
315,000
220,000
285,000

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
240,000
192,000
256,000
252,000
176,000
228,000
-

1,680,000

80%

1,344,000

1,465,000

Net Value
$

336,000
General LVR
80%

$
$
$
$
$
$

Loan Drawn
200,000
160,000
240,000
228,000
144,000
200,000

1,186,300

Annual Interest
$
19,000
$
15,200
$
22,800
$
21,660
$
13,680
$
19,000
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Yearly Rental
Income

Total equity
$

157,700

Equity for Shortfall for

following Year
$
20,000
Seed capital equity
$

137,700

111,340

96,460
Buying Power

550,800

Interest
Rate
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.39%

$
$
$
$
$
$

Weekly rent
300
220
300
285
400
350

Yield
5.2%
4.8%
4.9%
4.7%
9.5%
6.4%
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1,855

5.7%

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
1.40
Equity req'd for
purchase
25%

After tax
cashflow per
week (Yr 1)
-$
85
-$
65
-$
100
-$
200
$
100
$
75

-$

275

Future Wealth Planner - Year 2

Property Address
Balance forward from year 1

Totals

Purchase Price
$
1,465,000

Valuation
1,814,400

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
1,451,520
-

1,814,400

80%

1,451,520

1,465,000

Net Value
$

362,880
General LVR
80%

Loan Drawn
1,200,600

1,200,600

Annual Interest
$
112,682
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Yearly Rental
Income

Total equity
$

250,920

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

190,920

112,682

96,460
Buying Power

763,680

Interest
Rate
9.39%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.39%

Weekly rent
1,855

Yield
5.3%
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1,855

5.3%

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
week (Yr 2)
-$
275

-$

275

Weekly rent
increase
existing
property

Future Wealth Planner - Year 3

Property Address
Balance forward from year 2

Totals

Purchase Price
$
1,465,000

Valuation
1,959,552

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
1,567,642
-

1,959,552

80%

1,567,642

1,465,000

Net Value
$

391,910
General LVR
80%

Loan Drawn
1,214,900

1,214,900

Annual Interest
$
114,024
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Yearly Rental
Income

Total equity
$

352,742

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

292,742

114,024

106,860
Buying Power

1,170,966

Interest
Rate
9.39%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.39%

Weekly rent
2,055

Yield
5.5%
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

2,055

5.5%

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
week (Yr 3)
-$
275

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 4

Property Address
Balance forward from year 3

Totals

Purchase Price
$
1,465,000

Valuation
2,116,316

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
1,693,053
-

2,116,316

80%

1,693,053

1,465,000

Net Value
$

423,263
General LVR
80%

Loan Drawn
1,229,200

1,229,200

Interest
Annual Interest
Rate
$
115,366 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

463,853

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

403,853

115,366

117,260

Buying Power
$

1,615,412

9.39%

Weekly rent
2,255

2,255

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 4)
5.5% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5.5%

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 5

Property Address
Balance forward from year 4

Totals

Purchase Price
$
1,465,000

Valuation
2,285,621

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
1,828,497
-

2,285,621

80%

1,828,497

1,465,000

Net Value
$

457,124
General LVR
80%

Loan Drawn
1,243,500

1,243,500

Interest
Annual Interest
Rate
$
116,708 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

584,997

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

524,997

116,708

137,540

Buying Power
$

2,099,989

9.39%

Weekly rent
2,645

2,645

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 5)
6.0% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6.0%

-$

275

Weekly rent
increase
existing
property
$
390

Future Wealth Planner - Year 6

Property Address
Balance forward from year 5

Totals

Purchase Price
$
1,465,000

Valuation
2,468,471

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
1,974,777
-

2,468,471

80%

1,974,777

1,465,000

Net Value
$

493,694
General LVR
80%

Loan Drawn
1,257,800

1,257,800

Interest
Annual Interest
Rate
$
118,051 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

716,977

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

656,977

118,051

147,940

Buying Power
$

2,627,908

9.39%

Weekly rent
2,845

2,845

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 6)
6.0% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6.0%

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 7

Property Address
Balance forward from year 6

Totals

Purchase Price
$
1,465,000

Valuation
2,665,949

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
2,132,759
-

2,665,949

80%

2,132,759

1,465,000

Net Value
$

533,190
General LVR
80%

Loan Drawn
1,272,100

1,272,100

Interest
Annual Interest
Rate
$
119,393 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

860,659

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

800,659

119,393

158,340

Buying Power
$

3,202,636

9.39%

Weekly rent
3,045

3,045

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 7)
5.9% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5.9%

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 8

Property Address
Balance forward from year 7

Totals

Purchase Price
$
1,465,000

Valuation
2,879,225

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
2,303,380
-

2,879,225

80%

2,303,380

1,465,000

Net Value
$

575,845
General LVR
80%

Loan Drawn
1,286,400

1,286,400

Interest
Annual Interest
Rate
$
120,735 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

1,016,980

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

956,980

120,735

168,740

Buying Power
$

3,827,919

9.39%

Weekly rent
3,245

3,245

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 8)
5.9% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5.9%

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 9

Property Address
Balance forward from year 8

Totals

Purchase Price
$
1,465,000

Valuation
3,109,563

LVR
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
2,487,650
-

3,109,563

80%

2,487,650

1,465,000

Net Value
$

621,913
General LVR
80%

Loan Drawn
1,300,700

1,300,700

Interest
Annual Interest
Rate
$
122,077 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

1,186,950

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

1,126,950

122,077

179,140

Buying Power
$

4,507,801

9.39%

Weekly rent
3,445

3,445

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
Yield
week (Yr 9)
5.8% -$
275
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5.8%

-$

275

Weekly rent
increase
existing
property
$
200

Future Wealth Planner - Year 10

Property Address
Balance forward from year 10

Totals

Purchase Price
$
1,465,000

1,465,000

Valuation
LVR
3,358,328 80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Loan Limit
2,686,662
-

3,358,328 80% $

2,686,662

Net Value
$

671,666
General LVR
80%

Loan Drawn
1,315,000

1,315,000

Interest
Annual Interest
Rate
$
123,419 9.39%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$
9.50%
$

Yearly Rental
Income

Total equity
$

1,371,662

Equity for Shortfall for

following Year
$
60,000
Seed capital equity
$

1,311,662

123,419

189,540

Buying Power
$

5,246,649

9.39%

Weekly rent
3,645

Yield
5.6%
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

3,645

5.6%

Yearly Shortfall
(After tax
cashflow)
-$
14,300
Equity shortfall
cover in years
4.20
Equity req'd for
purchase
25%

After tax
cashflow per
week (Yr 10)
-$
275

-$

275

Weekly rent
increase
existing
property
$
200

Total Mortgage
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,186,300
1,200,600
1,214,900
1,229,200
1,243,500
1,257,800
1,272,100
1,286,400
1,300,700
1,315,000
1,329,872
1,344,744
1,360,211
1,376,296
1,393,025
1,410,424
1,428,518
1,447,335
1,466,906
1,487,259
1,508,427
1,530,441
1,553,336
1,577,146
1,601,909
1,627,663
1,654,446
1,682,301
1,711,271
1,741,399

Average
Annual Interest Inflation
Interest Rate
9.39%
9.39%
9.39%
9.39%
9.39%
9.39%
9.39%
9.39%
9.39%
9.39%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%
9.50%

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

111,340
112,682
114,024
115,366
116,708
118,051
119,393
120,735
122,077
123,419
126,338
127,751
129,220
130,748
132,337
133,990
135,709
137,497
139,356
141,290
143,301
145,392
147,567
149,829
152,181
154,628
157,172
159,819
162,571
165,433

4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%
4%

Shortfall (rent less

interest)
-$
-$
-$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

14,880
16,222
7,164
1,894
20,832
29,889
38,947
48,005
57,063
66,121
70,784
77,256
83,987
90,987
98,267
105,838
113,713
121,902
130,418
139,276
148,488
158,068
168,031
178,393
189,169
200,377
212,033
224,155
236,761
249,873

-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$

Total Shortfall
(After tax
cashflow)
14,300
14,300
14,300
14,300
14,300
14,300
14,300
14,300
14,300
14,300
14,872
15,467
16,086
16,729
17,398
18,094
18,818
19,571
20,353
21,167
22,014
22,895
23,811
24,763
25,753
26,784
27,855
28,969
30,128
27,692

Usable Equity @

Gross Equity

LVR

80%
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

493,700
613,800
744,652
887,116
1,042,121
1,210,671
1,393,849
1,592,825
1,808,863
2,043,328
2,297,122
2,572,410
2,870,315
3,192,671
3,541,460
3,918,821
4,327,066
4,768,695
5,246,407
5,763,118
6,321,981
6,926,400
7,580,052
8,286,913
9,051,274
9,877,776
10,771,427
11,737,642
12,782,268
13,911,623

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

157,700
250,920
352,742
463,853
584,997
716,977
860,659
1,016,980
1,186,950
1,371,662
1,571,723
1,788,979
2,024,210
2,278,878
2,554,563
2,852,972
3,175,949
3,525,489
3,903,744
4,313,043
4,755,900
5,235,031
5,753,375
6,314,101
6,920,638
7,576,688
8,286,252
9,053,653
9,883,560
10,781,019

71%
66%
62%
58%
54%
51%
48%
45%
42%
39%
37%
34%
32%
30%
28%
26%
25%
23%
22%
21%
19%
18%
17%
16%
15%
14%
13%
13%
12%
11%

Lifestyle
Amount