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{"sheet":"Refinancing Analysis","index":0,"n_rows":26,"n_cols":11,"rows_kept":26,"cut":false,"hidden":true,"merged":[[0,0,0,1],[0,5,0,6],[0,9,0,10]]}
["Current Loan",null,null,null,null,"New Loan ",null,null,null,"Pay off Loan after x # of Years"]
["Original Loan Amount",160000,null,null,null,"Remaining Loan Amount",{"$f":"B6","v":149777.56390650244},null,null,"Number of months before payoff",60]
["Interest Rate",6.5000000000000002E-2,null,null,null,"Interest Rate",5.2499999999999998E-2]
["Original Loan Term (months)",{"$f":"C4*12","v":360},30,"years",null,"Origination Points",1,null,null,"Present Value of Old Loan",{"$f":"PV(B3/12,B5-K2,B8)","v":135641.80218082154}]
["Remaining Term (months)",{"$f":"C5*12","v":300},25,"years",null,"Origination Costs",{"$f":"G2/100*G4","v":1497.7756390650245},null,null,"Present Value of New Loan",{"$f":"PV(G3/12,B5-K2,G23)","v":133196.76482725839}]
["Remaining Loan Balance",{"$f":"B2+CUMPRINC(B3/12,B4,B2,B4-B4+1,B4-B5,0)","v":149777.56390650244},null,null,null,"Closing Costs",null,null,null,"Difference",{"$f":"K4-K5","v":2445.0373535631516}]
[null,null,null,null,null,"Underwriting Fee",400]
["Current payment",{"$f":"PMT(B3/12,B4,B2)","v":-1011.308837588742},null,null,null,"Appraisal Fee",350,null,null,"IRR for refinance (payoff after x years)",{"$f":"(RATE(K2,G24,-G20,K6))*12","v":0.35608198858565165}]
[null,null,null,null,null,"Title Insurance",500]
[null,null,null,null,null,"Processing Fee",200]
[null,null,null,null,null," Escrow Title Fee",150]
[null,null,null,null,null,"Title Co. Endorsement",50]
[null,null,null,null,null,"Flood Certification",29]
[null,null,null,null,null,"Recording Fee",50]
[null,null,null,null,null,"Tax Service Fee",79]
[null,null,null,null,null,"Credit Report",18]
[null,null,null,null,null,"Prepaid Interest",270]
[null,null,null,null,null,"Total Closing Costs",{"$f":"SUM(G7:G17)","v":2096}]
[]
[null,null,null,null,null,"Total Costs",{"$f":"G18+G5","v":3593.7756390650247}]
[]
[]
[null,null,null,null,null,"New Payment",{"$f":"PMT(G3/12,B5,G2)","v":-897.53862954891338}]
[null,null,null,null,null,"Difference in Payments",{"$f":"-B8+G23","v":113.77020803982862}]
[]
[null,null,null,null,null,"Rate of return for New Loan",{"$f":"(RATE(B5,G24,-G20))*12","v":0.37985779144965576}]

{"sheet":"Real Fed Income Tax","index":1,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":true,"merged":[]}
["Taxable income is over -",null,"The tax is:","Of the amount over -"]
[0,17400,"$0 + 10%",0,null,{"$f":"IF(AND($B$9>A2,$B$9<B2),$B$9*MID(C2,6,2)/100,0)","v":0}]
[17400,70700,"1,740.00 + 15%",17400,null,{"$f":"IF(AND($B$9>A3,$B$9<B3),$B$9*MID(C3,12,2)/100+LEFT(C3,5)*1,0)","v":0}]
[70700,142700,"9,735.00 + 25%",70700,null,{"$f":"IF(AND($B$9>A4,$B$9<B4),$B$9*MID(C4,12,2)/100+LEFT(C4,5)*1,0)","v":34735}]
[142700,217450,"27,735.00 + 28%",142700,null,{"$f":"IF(AND($B$9>A5,$B$9<B5),$B$9*MID(C5,13,2)/100+LEFT(C5,6)*1,0)","v":0}]
[217450,388350,"48,665.00 + 33%",217450,null,{"$f":"IF(AND($B$9>A6,$B$9<B6),$B$9*MID(C6,13,2)/100+LEFT(C6,6)*1,0)","v":0}]
[388350," -","105,062.00 + 35%",388350,null,{"$f":"IF($B$9>A7,$B$9*MID(C7,14,2)/100+LEFT(C7,7)*1,0)","v":0}]
[]
["Income:",100000]
["Federal Income Taxes:",34735]

{"sheet":"Get Interest Rates","index":2,"n_rows":14,"n_cols":4,"rows_kept":14,"cut":false,"hidden":false,"merged":[[13,0,13,1]]}
["Zip Code",84058]
[]
["Your Search","Results Range","Bankrate.com","Bankrate.com"]
[null,null,"National Average","Site Average"]
["30 yr fixed mtg, 0 Points ","3.25% APR - 4.21% APR","3.52% RATE","3.40% RATE"]
[]
[{"$f":"C3 & \" \" & C4","v":"Bankrate.com National Average"},{"$f":"LEFT(C5,5)*1","v":3.5200000000000002E-2}]
[{"$f":"D3 & \" \" & D4","v":"Bankrate.com Site Average"},{"$f":"LEFT(D5,5)*1","v":3.4000000000000002E-2}]
[]
[{"$f":"VALUE(B1)&\" Interest Rate Range\"","v":"84058 Interest Rate Range"},{"$f":"LEFT(B5,5)*1","v":3.2500000000000001E-2},{"$f":"MID(B5,12,6)*1","v":4.2099999999999999E-2}]
[{"$f":"VALUE(B1)&\" Average Interest Rate\"","v":"84058 Average Interest Rate"},{"$f":"AVERAGE(B10,C10)","v":3.73E-2}]
[]
[null,null,"Last Updated:","2012-12-05T09:31:00"]
["**These rates are pulled from Bankrate.com"]

{"sheet":"Economic conditions","index":3,"n_rows":28,"n_cols":9,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["U.S. Monthly Economic Data","May","June","July","Aug","Sept","Oct",null,"KEY ECONOMIC INDICATORS"]
[null,2012,2012,2012,2012,2012,2012,null,"Slight Decrease in Unemployment"]
["Unemployment Rate (1)",8.1999999999999993,8.1999999999999993,8.3000000000000007,8.1,7.8,7.9,null,"Slight Increase in CPI"]
["Change in Payroll Employment (2)",87,45,181,192,148,171,null,"Great Productivity Improvement"]
["Average Hourly Earnings (3)",23.43,23.5,23.52,23.52,23.59,23.58]
["Consumer Price Index (4)",-0.3,0,0,0.6,0.6,0.1]
["Producer Price Index (5)",-1,0.2,0.3,1.7,1.1000000000000001,-0.2]
["U.S. Import Price Index (6)",-1.5,-2.2999999999999998,-0.7,1.2,1.1000000000000001,0.5]
["Footnotes"]
["(1) In percent, seasonally adjusted. Annual averages are available for Not Seasonally Adjusted data."]
["(2) Number of jobs, in thousands, seasonally adjusted."]
["(3) Average Hourly Earnings for all employees on private nonfarm payrolls."]
["(4) All items, U.S. city average, all urban consumers, 1982-84=100, 1-month percent change, seasonally adjusted."]
["(5) Finished goods, 1982=100, 1-month percent change, seasonally adjusted."]
["(6) All imports, 1-month percent change, not seasonally adjusted."]
["(R) Revised"]
["(P) Preliminary"]
[]
["U.S. Quarterly Economic Data","3rd Qtr","4th Qtr","1st Qtr","2nd Qtr","3rd Qtr"]
[null,2011,2011,2012,2012,2012]
["Employment Cost Index (1)",0.3,0.5,0.4,0.5,0.4]
["Productivity (2)",0.6,2.8,-0.5,1.9,1.9]
["Footnotes"]
["(1) Compensation, all civilian workers, quarterly data, 3-month percent change, seasonally adjusted."]
["(2) Output per hour, nonfarm business, quarterly data, percent change from previous quarter at annual rate, seasonally adjusted."]
["(R) Revised"]
[]
["Data taken from http://www.bls.gov/eag/eag.us.htm"]

{"sheet":"Find Houses","index":4,"n_rows":885,"n_cols":1,"rows_kept":885,"cut":false,"hidden":true,"merged":[]}
["Skip to content"]
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["Enter a price range and the monthly payment shown will apply to for-sale or for-rent listings, if both filters are selected. Or, enter a monthly payment range (e.g., $1,500-$2,000) to see available rentals or homes for sale in that price range. Monthly payment is calculated from using current Zillow Mortgage Marketplace quotes for 30-year fixed rate at 3.22%, with 20% down and includes principal and interest."]
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["Save this search and be notified when new listings are added."]
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["A Rent Zestimate® is Zillow's estimated monthly rental price, computed using a proprietary formula. It is a starting point in determining the monthly rental price for a specific property. Learn more | Post a home for rent for FREE"]
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["This property is scheduled to be sold at a foreclosure auction. Learn more"]
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["The lender initiated foreclosure proceedings on these properties because the owners were in default on their loan obligations."]
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["These properties are owned by a bank or a lender who took ownership through foreclosure proceedings. They may soon be listed for sale."]
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["A Foreclosure Estimate is the price Zillow predicts a property will sell for if it's listed as a foreclosure (bank-owned property or real estate owned). Learn more"]
["West Chester "]
["Sort: Days on Zillow ▾"]
[]
["Featured"]
["Days on Zillow"]
["Price (Low to High)"]
["Price (High to Low)"]
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["Year Built"]
["Lot Area"]
["Zestimate (High to Low)"]
["Zestimate (Low to High)"]
["Loading results..."]
["6140 Cherry Lane Farm Dr, West Chester, OH"]
["15 Photos"]
["6140 Cherry Lane Farm Dr, West Chester, OH"]
[]
[" House For Sale:$273,900"]
["Zestimate®: $257,438"]
["Est. Mortgage: $1,188/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 4.0"]
["Sqft: 2,835"]
["Lot: --"]
["Days on Zillow: 13"]
["Built: 2001"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["5990 Glennshire Ct, West Chester, OH"]
["11 Photos"]
["5990 Glennshire Ct, West Chester, OH"]
[]
[" Foreclosure:$159,900"]
["Price Cut: $25,000(Nov 15)"]
["Foreclosure Est.: $130,665"]
["Zestimate®: $169,695"]
["Est. Mortgage: $693/mo"]
[]
["Beds: 4"]
["Baths: 3.0"]
["Sqft: 1,854"]
["Lot: 14,344"]
["Days on Zillow: 47"]
["Built: 1999"]
["Single Family"]
["Coldwell Banker Her..."]
[]
["Maps"]
["Save"]
["Comps"]
["5996 Glen Trace Ln, West Chester, OH"]
["11 Photos"]
["5996 Glen Trace Ln, West Chester, OH"]
[]
[" House For Sale:$199,000"]
["Price Cut: $9,000(Nov 12)"]
["Zestimate®: $206,745"]
["Est. Mortgage: $863/mo"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 2,542"]
["Lot: 15,681"]
["Days on Zillow: 47"]
["Built: 2005"]
["Single Family"]
["Coldwell Banker Wes..."]
[]
["Maps"]
["Save"]
["Comps"]
["4411 Tylers Creek Dr, West Chester, OH"]
["15 Photos"]
["4411 Tylers Creek Dr, West Chester, OH"]
[]
[" House For Sale:$389,999"]
["Price Cut: $10,001(Nov 8)"]
["Zestimate®: $335,427"]
["Est. Mortgage: $1,691/mo"]
[]
["Beds: 4"]
["Baths: 4.0"]
["Sqft: 3,648"]
["Lot: --"]
["Days on Zillow: 49"]
["Built: 2002"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7134 Summerhill Dr, West Chester, OH"]
["14 Photos"]
["7134 Summerhill Dr, West Chester, OH"]
[]
[" House For Sale:$159,999"]
["Zestimate®: $174,583"]
["Est. Mortgage: $694/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 2,450"]
["Lot: 8,123"]
["Days on Zillow: 51"]
["Built: 2005"]
["Single Family"]
["Coldwell Banker Wes..."]
[]
["Save"]
["8561 Beckett Pointe Dr, West Chester, OH"]
["15 Photos"]
["8561 Beckett Pointe Dr, West Chester, OH"]
[]
[" House For Sale:$292,500"]
["Price Cut: $6,500(Nov 14)"]
["Zestimate®: $283,075"]
["Est. Mortgage: $1,268/mo"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 3,171"]
["Lot: 19,166"]
["Days on Zillow: 65"]
["Built: 2000"]
["Single Family"]
["Coldwell Banker Wes..."]
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["Save"]
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["6219 Strathaven Dr, West Chester, OH"]
["14 Photos"]
["6219 Strathaven Dr, West Chester, OH"]
[]
[" Pending:$229,900"]
["Zestimate®: $217,022"]
["Est. Mortgage: $997/mo"]
[]
["See current rates"]
[]
["Beds: 5"]
["Baths: 4.0"]
["Sqft: 2,128"]
["Lot: 15,119"]
["Days on Zillow: 83"]
["Built: 2003"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7623 Overglen Dr, West Chester, OH"]
["14 Photos"]
["7623 Overglen Dr, West Chester, OH"]
[]
[" House For Sale:$398,000"]
["Zestimate®: $403,842"]
["Est. Mortgage: $1,726/mo"]
[]
["See current rates"]
[]
["Beds: 5"]
["Baths: 4.0"]
["Sqft: 4,900"]
["Lot: --"]
["Days on Zillow: 119"]
["Built: 2004"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7249 Londondale Dr, West Chester, OH"]
["15 Photos"]
["7249 Londondale Dr, West Chester, OH"]
[]
[" Foreclosure:$322,905"]
["Price Cut: $16,995(Nov 21)"]
["Foreclosure Est.: $289,321"]
["Zestimate®: $375,742"]
["Est. Mortgage: $1,400/mo"]
[]
["Beds: 5"]
["Baths: 5.0"]
["Sqft: 4,949"]
["Lot: 21,827"]
["Days on Zillow: 139"]
["Built: 2004"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7684 Hunters Trl, West Chester, OH"]
["15 Photos"]
["7684 Hunters Trl, West Chester, OH"]
[]
[" House For Sale:$374,900"]
["Zestimate®: $382,358"]
["Est. Mortgage: $1,626/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 3.0"]
["Sqft: 4,125"]
["Lot: --"]
["Days on Zillow: 177"]
["Built: 2006"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7560 Tylers Hill Ct, West Chester, OH"]
["14 Photos"]
["7560 Tylers Hill Ct, West Chester, OH"]
[]
[" House For Sale:$310,000"]
["Zestimate®: $299,185"]
["Est. Mortgage: $1,344/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 2,788"]
["Lot: 14,679"]
["Days on Zillow: 180"]
["Built: 2004"]
["Single Family"]
["RE/MAX Preferred Group"]
[]
["Maps"]
["Save"]
["Comps"]
["6055 Ash Hill Ct, West Chester, OH"]
["15 Photos"]
["6055 Ash Hill Ct, West Chester, OH"]
[]
[" House For Sale:$449,900"]
["Zestimate®: $483,321"]
["Est. Mortgage: $1,951/mo"]
[]
["See current rates"]
[]
["Beds: 5"]
["Baths: 3.5"]
["Sqft: 4,567"]
["Lot: 25,700"]
["Days on Zillow: 184"]
["Built: 2000"]
["Single Family"]
["RE/MAX Preferred Group"]
[]
["Maps"]
["Save"]
["Comps"]
["6553 Holly Hill Ln, West Chester, OH"]
["15 Photos"]
["6553 Holly Hill Ln, West Chester, OH"]
[]
[" House For Sale:$299,900"]
["Zestimate®: $374,258"]
["Est. Mortgage: $1,301/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 3.5"]
["Sqft: 4,080"]
["Lot: 20,542"]
["Days on Zillow: 191"]
["Built: 1999"]
["Single Family"]
["RE/MAX Preferred Group"]
[]
["Maps"]
["Save"]
["Comps"]
["8580 Stuart Ct, West Chester, OH"]
["15 Photos"]
["8580 Stuart Ct, West Chester, OH"]
[]
[" House For Sale:$379,950"]
["Price Cut: $10,045(Oct 3)"]
["Zestimate®: $372,873"]
["Sun. 1-3pm"]
[]
["Beds: 4"]
["Baths: 5.0"]
["Sqft: 4,601"]
["Lot: 17,424"]
["Days on Zillow: 195"]
["Built: 2004"]
["Single Family"]
["Realty Success Part..."]
[]
["Maps"]
["Save"]
["Comps"]
["5753 Ferdinand Dr, West Chester, OH"]
["24 Photos"]
["5753 Ferdinand Dr, West Chester, OH"]
[]
[" House For Sale:$389,000"]
["Zestimate®: $323,740"]
["Est. Mortgage: $1,687/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 4.0"]
["Sqft: 4,200"]
["Lot: --"]
["Days on Zillow: 210"]
["Built: 2010"]
["Single Family"]
["ERA Real Solutions ..."]
[]
["Maps"]
["Save"]
["Comps"]
["7622 Overglen Dr, West Chester, OH"]
["15 Photos"]
["7622 Overglen Dr, West Chester, OH"]
[]
[" House For Sale:$445,000"]
["Price Cut: $5,000(Oct 23)"]
["Zestimate®: $479,040"]
["Est. Mortgage: $1,930/mo"]
[]
["Beds: 4"]
["Baths: 3.5"]
["Sqft: 5,416"]
["Lot: 14,374"]
["Days on Zillow: 219"]
["Built: 2005"]
["Single Family"]
["Coldwell Banker Wes..."]
[]
["Maps"]
["Save"]
["Comps"]
[]
["Agents! Want to get your picture on your listings? Learn how"]
["7653 Tylers Valley Dr, West Chester, OH"]
["15 Photos"]
["7653 Tylers Valley Dr, West Chester, OH"]
[]
[" House For Sale:$299,999"]
["Zestimate®: $276,814"]
["Est. Mortgage: $1,301/mo"]
[]
["See current rates"]
[]
["Beds: 5"]
["Baths: 3.5"]
["Sqft: 2,408"]
["Lot: 13,939"]
["Days on Zillow: 226"]
["Built: 2001"]
["Single Family"]
["RE/MAX United Assoc..."]
[]
["Maps"]
["Save"]
["Comps"]
["4480 Tylers Knoll Dr, West Chester, OH"]
["15 Photos"]
["4480 Tylers Knoll Dr, West Chester, OH"]
[]
[" House For Sale:$289,000"]
["Price Cut: $5,000(Aug 31)"]
["Zestimate®: $280,487"]
["Est. Mortgage: $1,253/mo"]
[]
["Beds: 4"]
["Baths: 3.0"]
["Sqft: 2,592"]
["Lot: 16,117"]
["Days on Zillow: 230"]
["Built: 2004"]
["Single Family"]
["Coldwell Banker Wes..."]
[]
["Maps"]
["Save"]
["Comps"]
[]
["Agents! Want to get your picture on your listings? Learn how"]
["7434 Fox Chase Dr, West Chester, OH"]
["15 Photos"]
["7434 Fox Chase Dr, West Chester, OH"]
[]
[" House For Sale:$430,000"]
["Price Cut: $19,900(Sep 13)"]
["Zestimate®: $454,101"]
["Est. Mortgage: $1,865/mo"]
[]
["Beds: 4"]
["Baths: 5.0"]
["Sqft: 4,368"]
["Lot: --"]
["Days on Zillow: 268"]
["Built: 2005"]
["Single Family"]
["Comey & Shepherd Re..."]
[]
["Maps"]
["Save"]
["Comps"]
["7321 Glenn Farms Dr, West Chester, OH"]
["8 Photos"]
["7321 Glenn Farms Dr, West Chester, OH"]
[]
[" For Sale by Owner:$231,000"]
["Zestimate®: $226,818"]
["Est. Mortgage: $1,002/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 3,405"]
["Lot: 21,344"]
["Days on Zillow: 574"]
["Built: 2000"]
["Single Family"]
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["6015 Glenngate Ct, West Chester, OH"]
["6015 Glenngate Ct, West Chester, OH"]
[]
[" Make Me Move®:$235,000"]
["Zestimate®: $204,805"]
["Est. Mortgage: $711/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 2,398"]
["Lot: 22,019"]
["Days on Zillow: 1902"]
["Built: 1999"]
["Single Family"]
[]
["Maps"]
["Save"]
["Comps"]
["7430 Glenn Farms Dr, West Chester, OH"]
["7430 Glenn Farms Dr, West Chester, OH"]
[]
[" Make Me Move®:$200,000"]
["Zestimate®: $175,020"]
["Est. Mortgage: $607/mo"]
[]
["See current rates"]
[]
["Beds: 4"]
["Baths: 2.5"]
["Sqft: 2,100"]
["Lot: 15,577"]
["Days on Zillow: 2075"]
["Built: 2001"]
["Single Family"]
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["Zillow helps you find the newest West Chester real estate listings. By analyzing information on thousands of houses for sale in West Chester, Ohio and across the United States, we calculate home values (Zestimates) and the Zillow Home Value Price Index for West Chester proper, its neighborhoods, and surrounding areas. There are currently 20 for sale listings in West Chester zip codes, including condos, duplexes, land, luxury, waterfront, and the most expensive listings or rentals. If you're looking to rent, check out our extensive list of luxury apartments, houses to rent in West Chester or apartments to rent in West Chester. We make it easy to find your dream home by filtering home types, price, and size. Filtering with keyword search is also possible, like \"waterfront\" or \"pool\" in West Chester."]
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{"sheet":"Found Properties","index":5,"n_rows":9,"n_cols":14,"rows_kept":9,"cut":false,"hidden":false,"merged":[[0,0,0,1]]}
["Inputs"]
["City","west-chester",null,"Address:","6140 Cherry Lane Farm Dr, West Chester, OH","5990 Glennshire Ct, West Chester, OH","5996 Glen Trace Ln, West Chester, OH","4411 Tylers Creek Dr, West Chester, OH","7134 Summerhill Dr, West Chester, OH","6219 Strathaven Dr, West Chester, OH","7623 Overglen Dr, West Chester, OH","7249 Londondale Dr, West Chester, OH","7684 Hunters Trl, West Chester, OH","7560 Tylers Hill Ct, West Chester, OH"]
["State","OH",null,"Price:",273900,159900,199000,389999,159999,229900,398000,322905,374900,310000]
["Price","0-450000",null,"Beds:",4,4,4,4,4,5,5,5,4,4]
["Bedrooms","4+",null,"Baths:",4,3,2.5,4,2.5,4,4,5,3,2.5]
["Bathrooms","2+",null,"Square Feet:",2835,1854,2542,3648,2450,2128,4900,4949,4125,2788]
["Square feet","2500-",null,"Lot Size:","--",14344,15681,"--",8123,15119,"--",21827,"--",14679]
["Lot size","0-",null,"Year Built:",2001,1999,2005,2002,2005,2003,2004,2004,2006,2004]
["Year built","1999-",null,"Price/Sq Feet",96.613756613756607,86.245954692556637,78.284815106215575,106.90762061403508,65.305714285714288,108.03571428571429,81.224489795918373,65.246514447363097,90.88484848484849,111.19081779053084]

{"sheet":"Investment Analysis","index":6,"n_rows":72,"n_cols":13,"rows_kept":72,"cut":false,"hidden":false,"merged":[[1,9,1,10]]}
[]
["Inputs",null,null,null,null,null,null,null,null,"Found Properties",null,"NPV","IRR"]
["Purchase Price",349900,null,null,null,null,null,null,null,"Property 1",273900]
["Land Value",200000,null,null,null,null,null,null,null,"Property 2",159900]
["Improvement Value",{"$f":"B3-B4","v":149900},null,null,null,null,null,null,null,"Property 3",199000]
[null,null,null,null,null,null,null,null,null,"Property 4",389999]
["Investors Criteria and Contribution",null,null,null,null,null,null,null,null,"Property 5",159999]
["Initial Equity Investment",60000,null,null,null,null,null,null,null,"Property 6",229900]
["Investors Required Rate of Return",0.1,null,null,null,null,null,null,null,"Property 7",398000]
[null,null,null,null,null,null,null,null,null,"Property 8",322905]
["Financing Information",null,null,null,null,null,null,null,null,"Property 9",374900]
["Mortgage Amount",{"$f":"B3-B8","v":289900},null,null,null,null,null,null,null,"Property 10",310000]
["Financing Term (Years)",25]
["No. of Payment Per Year",12]
["Annual Mortgage Interest Rate",3.73E-2]
["Private Mortgage Insurance (yearly)",0]
[]
["Tax Information"]
["Depreciable Life (27.5 Res/39 Comm)",27.5]
["Marginal Income Tax Rate",0.25]
["Capital Gains Tax Rate",0.2]
["Recapture Tax Rate",0.25]
["Investor's Modified Adjusted Gross Inc.",106000]
["Investor's Participation, Active? Y/N","y"]
[]
["Forecast Operating Data"]
["First Year forecast PGI",40000,null,null,"Operating Expenses"]
["Annual Growth in PGI",0.04,null,null,"Property Taxes",4000]
["% Annual Vacancy",0.03,null,null,"Insurance",1400]
["% Operating Expenses of EGI",0.21520618556701032,null,null,"Property Mgmt fees",800]
[null,null,null,null,"HOA Fees",350]
["Future Sales Information",null,null,null,"Maintenance",1800]
["Forecast Future Sales Price",390000,null,null,"Total",{"$f":"SUM(F28:F32)","v":8350}]
["Future Selling Expenses",0.08]
[]
["Analysis",0,1,2,3,4,5,null,"Termination (Reversion) Statement"]
["Potential Gross Income",null,{"$f":"B27","v":40000},{"$f":"C37*(1+$B$28)","v":41600},{"$f":"D37*(1+$B$28)","v":43264},44994.560000000005,46794.342400000009,null,"Gross Future Sales Price",{"$f":"$B$33","v":390000}]
["Less Vacancy & Collection Loss",null,{"$f":"-C37*$B$29","v":-1200},{"$f":"-D37*$B$29","v":-1248},-1297.9199999999998,-1349.8368,-1403.8302720000002,null,"Less Selling Expenses",{"$f":"-$B$34*$B$33","v":-31200}]
["Plus Other Income",null,null,null,null,null,null,null,"Net Sales Proceeds",{"$f":"SUM(J37:J38)","v":358800}]
["Effective Gross Income",null,{"$f":"SUM(C37:C39)","v":38800},{"$f":"SUM(D37:D39)","v":40352},41966.080000000002,43644.723200000008,45390.512128000009,null,"Less Mortgage Balance",{"$f":"-PV($B$15/$B$14,($B$13-5)*$B$14,$C$44/$B$14,0,0)","v":-251299.73444025873}]
["LessOperating Expenses",null,{"$f":"-C40*$B$30","v":-8350},{"$f":"-D40*$B$30","v":-8684},-9031.36,-9392.6144000000022,-9768.3189760000023,null,"Before Tax Cash on Sale",{"$f":"SUM(J39:J40)","v":107500.26555974127}]
["Net Operating Income",null,{"$f":"SUM(C40:C41)","v":30450},{"$f":"SUM(D40:D41)","v":31668},32934.720000000001,34252.108800000002,35622.193152000007]
["Less Private Mortage Insurance",null,{"$f":"$B$16","v":0},{"$f":"$B$16","v":0},0,0,0,null,"Net Sales Proceeds",{"$f":"J39","v":358800}]
["Less Annualized Mortgage Payments",null,{"$f":"PMT($B$15/$B$14,($B$13*$B$14),$B$12,0,0)*$B$14","v":-17847.749330881201},{"$f":"PMT($B$15/$B$14,($B$13*$B$14),$B$12,0,0)*$B$14","v":-17847.749330881201},-17847.749330881201,-17847.749330881201,-17847.749330881201,null,"Less Cost Basis",{"$f":"-$B$3","v":-349900}]
["Before Tax Cash Flows",null,{"$f":"SUM(C42:C44)","v":12602.250669118799},{"$f":"SUM(D42:D44)","v":13820.250669118799},15086.9706691188,16404.359469118801,17774.443821118806,null,"Capital Gain (Economic Gain)",{"$f":"SUM(J43:J44)","v":8900}]
["Less Annual Depreciation",null,{"$f":"-$B$5/$B$19","v":-5450.909090909091},{"$f":"-$B$5/$B$19","v":-5450.909090909091},-5450.909090909091,-5450.909090909091,-5450.909090909091,null,"X Capital Gains Rate",{"$f":"$B$21","v":0.2}]
["Plus Annual Principal Paid",null,{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,1,12,0)","v":7155.9944052175269},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,13,24,0)","v":7427.523804374443},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,25,36,0)","v":7709.3562041252053},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,37,48,0)","v":8001.8825449041333},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,49,60,0)","v":8305.5086011176281},null,"Capital Gains Taxes",{"$f":"IF(J45<=0,0,J45*J46)","v":1780}]
["Taxable Income",null,{"$f":"SUM(C45:C47)","v":14307.335983427234},{"$f":"SUM(D45:D47)","v":15796.86538258415},17345.417782334913,18955.332923113841,20629.043331327342]
["Less Taxes from BTCF",null,{"$f":"IF(C48>0,-C48*$B$20,0)","v":-3576.8339958568085},{"$f":"IF(D48>0,-D48*$B$20,0)","v":-3949.2163456460376},-4336.3544455837282,-4738.8332307784603,-5157.2608328318356,null,"Accumulated Depreciation",{"$f":"$C$46*5","v":-27254.545454545456}]
["Savings from Passive Actitivity Loss",null,{"$f":"IF($B$24=\"y\",IF(C48<0, IF($B$23<=100000,IF(-C48>25000,25000*$B$20,-C48*$B$20),IF($B$23<150000,IF(-C48>0.5*(150000-$B$23),0.5*(150000-$B$23)*$B$20,-C48*$B$20),0)),0),0)","v":0},{"$f":"IF($B$24=\"y\",IF(D48<0, IF($B$23<=100000,IF(-D48>25000,25000*$B$20,-D48*$B$20),IF($B$23<150000,IF(-D48>0.5*(150000-$B$23),0.5*(150000-$B$23)*$B$20,-D48*$B$20),0)),0),0)","v":0},0,0,0,null,"X Recapture Tax Rate",{"$f":"$B$22","v":0.25}]
["After-tax Cash Flow from Operations",null,{"$f":"C45+C49+C50","v":9025.4166732619906},{"$f":"D45+D49+D50","v":9871.0343234727625},10750.616223535071,11665.526238340341,12617.182988286972,null,"Recapture Taxes",{"$f":"IF(J45>0,J49*J50,MAX((J49+J45)*J50,0))","v":-6813.636363636364}]
["Initial Equity Investment",{"$f":"-$B$8","v":-60000}]
["After-tax Cash on Sale",null,null,null,null,null,{"$f":"J56","v":98906.629196104899},null,"Before Tax Cash on Sale",{"$f":"J41","v":107500.26555974127}]
["Total After-tax Cash Flow",{"$f":"SUM(B51:B53)","v":-60000},{"$f":"SUM(C51:C53)","v":9025.4166732619906},{"$f":"SUM(D51:D53)","v":9871.0343234727625},10750.616223535071,11665.526238340341,111523.81218439186,null,"Less Capital Gains Taxes",{"$f":"-J47","v":-1780}]
[null,null,null,null,null,null,null,null,"Less Recapture Taxes",{"$f":"J51","v":-6813.636363636364}]
[null,null,null,null,null,null,null,null,"After Tax Cash on Sale",{"$f":"SUM(J53:J55)","v":98906.629196104899}]
["Investment Measures"]
["First Year Measures"]
["Payback Period (years)",{"$f":"B8/C54","v":6.6478925208795525}]
["Profit Margin",{"$f":"C54/C40","v":0.23261383178510284}]
["Default or Breakeven Ratio",{"$f":"-(C41+C44)/C40","v":0.67519972502271142}]
["Operating Expense Ratio",{"$f":"-C41/C40","v":0.21520618556701032}]
["Debt Coverage Ratio",{"$f":"-C42/C44","v":1.7060974711984362}]
["Loan to Value Ratio",{"$f":"B12/B3","v":0.82852243498142331}]
["Effective Gross Income Multiplier",{"$f":"B3/C40","v":9.0180412371134029}]
["Capitalization Rate",{"$f":"C42/B3","v":8.7024864246927694E-2}]
["Before Tax Cash on Cash Return",{"$f":"-C45/B54","v":0.21003751115197999}]
["After Tax Cash on Cash Return",{"$f":"-C54/B54","v":0.15042361122103318}]
[]
["Holding Period Measures"]
["Net Present Value",{"$f":"NPV($B$9,C54:G54)+B54","v":41655.125340984363}]
["Internal Rate of Return",{"$f":"IRR(B54:G54,0.1)","v":0.25192050723136594}]