$0 zero-down cash-flow duplexes in missouri

8/14/2019 $0 Zero-Down Cash-Flow Duplexes in Missouri

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(800) 611-3060www.NoradaRealEstate.com

Your Premier Source For Real Estate Investments

St. Robert, MissouriCash-Flow, Equity and Appreciation

REAL ESTATE INVESTMENT RESEARCH REPORT

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$25,000 Instant Equity

2 Years Free Management & HOA



INVESTMENT HI

• Positive Cash-Flow Ev• New- and Pre-Constructi• Rent Ready (Washer, Dr• Approx. 1,300 Square F• $925 Per Side Expected• 3 Bedroom, 2 Full Baths• 1 Car Garage Plus 2 Car• Brick Front• Community Center• Fitness Center• Playground Area

FAST FACTSInvestment Strategy: Buy & HLocation: St. RobProperty Type: Duplex (Transaction Type: Pre-ConMarket Value: $230,00Purchase Price: $205,00Instant Equity: $25,000Cash Flow: $2,689 (Capitalization Rate: 8.3% (ye

The DealGrader designed to givean easy to under

DealGrader ™ isincluding cash-flomarket absorptio

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HLIGHTS

n With No Down Payment! on Duplexes

er, Blinds, Refrigerator, Microwave, and Stoveet (Per Side)Rent ($1,850 total)

s In Driveway

old Zero Down! Only $7,000 trt, Missouri 2 years FREE managemen3 bed, 2 bt) No mortgage payments durstruction Over $2,700 per year positi0 Large rental demand due to0 100% turn-key tenant-read(11.0%) New playground, fitness &

year 1) Just a $2,500 refundable dar 1) Quantities are limited. Res

Score measures the investment quality of a real estateyou an overall snapshot of the profitability and investmenttand score (out of 10).

a proprietary algorithm that uses a blend of over 15 differw, existing equity, internal rates of return (IRR), job growt, macro economic factors, and others.

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CASH FLOW and EQUITY ACCUMULATION

CASH-FLOWYEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 10

Gross Rental Income $22,200 $22,755 $23,324 $23,907 $24,505 $27,725Initial Vacancy Rental Impact $0 - - - - -Vacancy Allowance ($666) ($683) ($700) ($717) ($735) ($832)

Total Operating Income $21,534 $22,072 $22,624 $23,190 $23,770 $26,893

Property Taxes $1,500 $1,515 $1,530 $1,545 $1,561 $1,641Insurance $720 $727 $734 $742 $749 $787Property Management $0 $0 $1,357 $1,391 $1,426 $1,614Other: Lawn Care $240 $245 $250 $255 $260 $287Other: PMI $2,132 $1,845 $1,845 $0 $0 $0Other: Water/Sewer/Trash $0 $0 $0 $0 $0 $0Other: HOA Dues $0 $0 $240 $245 $250 $276

Total Operating Expense ($4,592) ($4,332) ($5,957) ($4,178) ($4,246) ($4,604)$0

Loan Payments (Principle & Inter (1,296) ($14,253) ($15,549) ($15,549) ($15,549) ($15,549) ($15,549)

CASH FLOW (Before Tax) $2,689 $2,191 $1,119 $3,463 $3,975 $6,740Value of negative operating cash fl - 0 0 0 0 0 -

De reciation 5 964 5 964 5 964 5 964 5 964 5 964, , , , , ,Loan Interest $14,253 $15,549 $15,549 $15,549 $15,549 $15,549

Subtotal $20,217 $21,513 $21,513 $21,513 $21,513 $21,513Taxable Income ($3,275) ($3,772) ($4,845) ($2,501) ($1,989) $776Tax Bracket Savings 36% $1,179 $1,358 $1,744 $900 $716 $0

CASH FLOW (After Tax) $3,868 $3,549 $2,863 $4,363 $4,691 $6,740

EQUITY ACCUMULATIONYEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 10

Property Value $241,500 $253,575 $266,254 $279,566 $293,545 $374,646minus Loan Amount $205,000 $205,000 $205,000 $205,000 $205,000 $205,000plus Reserve Account Balance $0 $0 $0 $0 $0 $0

EQUITY PROFIT (WEALTH) $36,500 $48,575 $61,254 $74,566 $88,545 $169,646

Capitalization (Cap) Rate 8.3% 8.7% 8.1% 9.3% 9.5% 10.9%Internal Rate of Return (IRR) 3,403% 525% 254% 167% 125% 63%Return on Investment (ROI) 524% 697% 879% 1,070% 1,270% 2,434%

* See detailed Purchase Parameters and Assumptions on next page.



CASH FLOW and EQUITY ACCUMULATION

525%

254%

167%125%

102% 87% 76% 69% 63%

0%

100%

200%

300%

400%

500%

600%

YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10

INTERNAL RATE OF RETURN (IRR)(10 Year)

$180,000

TOTAL EQUITY(10 Year)

524%697%

879%1,070%

1,270%1,4

0%

500%

1,000%

1,500%

2,000%

2,500%

3,000%

YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6

TOTAL RETURN ON INVEST(10 Year)

$8,000

CASH-FLOW (AFTER TAX)(10 Year)

Summary Acquisition Information Purchase Parameters and Assumptions AnnuaCurrent Market Value: $230,000 Current Market Value: $230,000 Gross Monthly Rent: $1,850 APurchase Price: $205,000 Purchase Price: $205,000 Vacancy Allowance: 3.0% RTotal Loan Amount: $205,000 Down Payment: 0.0% Initial Vacancy (months): 0

First Loan: $205,000 Monthly Property Tax: $1Down Payment: $0 Loan Interest Rate: 6.500% Monthly Insurance: $60Closing Costs (est.): $6,970 Second Loan: $0 Monthly HOA: $20Reserve Account: $0 Loan Interest Rate (2nd): 0.000% Monthly Lawn Care: $20 Buyer Credits: $0 Closing Costs: 3.4% Monthly Water/Sewer/Trash: $Total Investment: $6,970 PMI Mortgage Insurance: $153.75 Property Management: 6%

DISCLAIMER: The information in this "Cash Flow and Equity Accumulation" worksheet is for estimation purposes only. All information should be independently verified. Consult a licensed tax advisor and/or apurchase or sale decision. All figures are projections unless otherwise indicated. No guarantee is made as to its accuracy or reflection of performance.

$36,500

$48,575

$61,254

$74,566

$88,545

$

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR

$3,868$3,549

$2,863

$4,363$4,691

$5,027$5,372

$5,726$6,159

$6,740

$0

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10



(800) 611-3060

ST. ROBERT, MISSOURI

St. Robert is known as the “business hub” of Pulaski County. The city is relatively young but ithas achieved more than most cities since its birth, living up to its motto “Grow With Us.” St.

Robert business district continues to grow and is the home of many national chain stores, hotelsand restaurants in addition to many specialty small businesses. The City owns and operates allof its utilities, including natural gas and runs a model solid waste transfer station. St. Robert hasrecently constructed a new city hall and police complex. Come see what we mean when wesay, “Grow With Us”.

LOCATION

• Located on Interstate 44.• Military Based community (Fort Leonard Wood).• Less than 1 hour away from Missouri wine country and Lake of the Ozarks• 1 ½ hour from St. Louis, and 2 ½ hours from Branson.• 4 Regional Hospitals.

POPULATION GROWTH

The City of St. Robert has experienced rapid growth, which has primarily occurred in the lastfive years. The population has increased from 1,730 (1990 Census) to an official population of2,760 (2000 Census), an increase of over 59%. We project that this population trend willcontinue for the next 5-10 years. The City serves a far greater population base which includes:Fort Leonard Wood (Population=28,937) and Waynesville (Population=3,507). In addition to the

city’s population increase, there has been a corresponding increase in commercial constructionas St. Robert is becoming the commercial and retail hub of our region.

OTHER

• Average officer rank is Major ($65-75k/year). Average enlisted rank is Staff Sergeant($33-35k/year) plus housing.

• Gold Star awarded school district (only one of three in state).• 3 year old High School is being expanded already.• 20 minutes from University of Missouri-Rolla (top engineering and mining school).



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FORT LEONARD WOOD

• Army, Navy, Marines, and Air Force.• Army Officer and Enlisted Corp of Engineers School for entire United States.• Over 60,000 service members graduate from Fort Leonard Wood every year.• Training base is over 100,000 acres.• Fort Leonard Wood is a training base.• Fort Leonard Wood ranked 35 out of 97 based on value to Department of Defense and

ability to support the future military IAW 2005 BRAC Commission.• 50% of retirees stay in this area.• 2005 house value increase = 9%.

COMMUNITY PROFILE

Fort Leonard Wood is home to the U.S. Army MANSCEN or Maneuver Support Center, whichhosts the Army Engineer, Military Police and Nuclear, Biological and Chemical Schools. FortLeonard Wood is a state of the art training facility on 100 square miles of rugged Ozarkwilderness. Fort Leonard Wood trains over 55,000 military and civilian people each year.Throughout its growth, Fort Leonard Wood’s soldiers and their family members have enjoyed anoutstanding quality of life, A new multi-million Davidson Fitness Center, state of the art ChildDevelopment Center, superb hospital and many other key facilities and amenities, help maintaina outstanding quality of life for the residents of the Fort Leonard Wood.

MANSCEN Center. Fort Leonard Wood, originally the home of the Army engineers has beenexpanded with the addition of the Military Police and Chemical schools to form the Maneuver

Support Center (MANSCEN). MANSCEN develops concepts, doctrine, force structure, materialrequirements and experiments to ensure the vitality of the chemical, engineer and military policeorganizations.

Growth Potential. Fort Leonard Wood as one of the premier military bases in the country, hasexcellent growth potential to attract additional military and homeland security missions. FortLeonard Wood has also been designated as a center for homeland security excellence. Thepost is also well positioned to take advantage of future BRAC (Base Realignment and Closure)moves and to attract additional Department of the Army and Department of Defense missions tothe base.

Joint Service Post. Not only does Fort Leonard Wood train Army soldiers, it trains all branchesof our Nation’s military to include: Navy, Marines and the Air Force. Fort Leonard Wood ishome to the largest Marine detachment not stationed on a Marine base. It also trains Navy andAir force soldiers and provides training to the civilian law enforcement community.

Science and Technology Industrial Park. One new concept featuring a partnership between themilitary and the University of Missouri system is the new Science and Technology Industrialpark located on the Fort Leonard Wood military installation.



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LOCATION MAPS



i. Sheeting to consist of 7/16 OSB

Section 6: Windows / Doors

a. All windows to be maintenance free vinyl single hung to meet excessb. Entry doors to be 6 panel insulated steel doors with peep holesc. Entry doors to have knob and dead bolt locks, keyed aliked. Front and garage door to be keyed alikee. Windows to have mini blinds installed on the inside

Section 7: Roofing, flashing and gutter

a. All shingles to be 30 year seriesb. Drip edge to be installed on all fascia boardsc. Gutter to be 5” with 3x4 downspout placed to drain roof aread. 15 lb felt will be placed on sheeting before shinglese. All roof penetrations to be flashed

Section 8: Electrical

a. All electrical work to meet codeb. Switches and plugs to located for ease of use

Section 9: HVAC

a. All units to be 1 ½ ton, manufacturer will be Goodman seriesb. All units to carry a 5 year warrantyc. Registers to be placed for best air flow

Section 10: Drywall

a. Walls to be ½ “ hung to prevent as many joints as possible

b. Garage ceiling to be hung with 5/8 sheet rock c. Sheetrock in garage taped with one coat (no texture)d. All drywall to meet codee. All sheetrock to be textured (see c)

Section 11: Paint and finishes

a. Wall and ceiling paint to be shell white by Pittsburg Paint Companyb. Trim to be a off white semi gloss (for ease of cleaning)c. Check floor plans for brick placementd. Vinyl siding to be installed above brick to soffite. Soffit to be alum. series to match gutter

Section 12: Flooring

a. All areas that require flooring (rooms with water): kitchen, bathrooms, utility room are to bevinyl

b. All areas that require carpet: living room and bedroom to be carpet of 30 oz

Section 13: Cabinets

a. Cabinets to be manufactured by Kitchen Kraft or equal.



b. Cabinets to be installed in kitchen area with counter tops to be colored to best accent unitscolors

c. Vanities installed in bathroom

Section 14: Appliances

a. All appliances to be manufactured by Whirlpool and to consist of the follow:b. Refrigerator, dishwater, garbage disposal, microwave, ceramic top stove.c. Units to have washer and dryers

Section 15: Light fixtures and shelving

a. Light fixtures to be brushed nickel finishb. Ceiling fans in living room and master bedroomc. Shelving installed in all closets to be maintenance free

Section 16: Insulation

a. All walls to be insulated with R13 battsb. Bathroom walls to be insulated with R11 to prevent noise going from unit to unit

c. Ceilings on top floor R30d. Vents installed for proper ventilation

Section 17: Landscaping

a. Top soil to be hauled in and spread to insure grass to growb. Sod to be installed on front of buildings with seed and straw on sides and backsc. Shrubs and trees installed along fronts of building

Section 18: Management of project

a. Management team to consist of the following

Construction ManagerConstruction ForemanConstruction LaborOffice Staff

b. All material and shipments to tracked to projectc. All invoices approved and submitted for paymentd. Waste controle. Quality controlf. Cost tracking to budget



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HOW CAN I RESERVE A PROPERTY?

Fax or mail the Reservation Form attached.

Phone: (800) 611-3060

Fax: (866) 611-3060

Email: [email protected]

Reservation does not guarantee final unit selection which is subject to availability at time of pre-approval.

DISCLAIMER NOTICE

The materials and information contained in this document are provided on an “AS IS” basis and “AS AVAILABLE”basis, without representations or warranties of any kind. Norada Real Estate expressly disclaims any and all suchrepresentations and warranties, either expressed or implied, including without limitation warranties of title, non-infringement, or implied warranties of merchantability or fitness for a particular purpose. Norada Real Estate does notwarrant the accuracy or completeness of the information, text, graphics, links or other items contained within thesematerials. Norada Real Estate may make changes to this material at any time without notice. While Norada RealEstate strives to keep the information in these materials accurate and current, Norada Real Estate cannot guaranteethe accuracy, completeness or timeliness of the information. Information within these materials may contain technical

inaccuracies or typographical errors. Norada Real Estate reserves the right to make changes, corrections and/orimprovements to the information contained within these materials at any time, without notice. This is not an offeringfor securities.

We are in a market with rapidly changing interest rates. A steady rise in interest rates could alter your cash flow. Aswith any large purchase, it is highly recommended that you perform your own due diligence. There are no guaranteesmade and your returns could be higher, lower, or you could lose money. The length of time to build your property canvary depending on weather, city inspections, etc.

The California Department of Real Estate has not inspected, examined, or qualified this offering.

FLY & BUY REBATE!

For those investors interested in flying down to visit the project site and “kick the tires”, weare offering you a Fly-and-Buy rebate of up to $1,000 to help cover the cost of your flight andaccommodations for your trip. Your rebate will be paid by check upon close of escrow.

This incentive is offered to you exclusively by Norada Real Estate Investments!



INVESTMENT NAME: _______________________________

INDIVIDUAL INFORMATION

Name:

Address:

Phone:

Social Security #: Date of Birth:

Email:

Present Employer: Position or Title:

Years Employed: I have been self-employed in the same line of work for the past 2 years.

My Stated Income: $ I can verify income. ( Your income is not verified with a Stated Income loan )

Previous Employer:Years Employed: Position or Title:

FINANCIAL INFORMATION

Personal Checking Balance: $ Personal Savings Balance: $

Money Market / Liquid Assets: $ Retirement Accounts (401k, IRA’s): $

Home Equity Credit Line Available: $ Other Liquid Assets: $

Do you own or rent your current residence? Own Rent

To my knowledge my FICO score is over 660? Yes No Don’t knowAre you a US citizen or Permanent Resident? Yes No

Have you filed for Bankruptcy in the past 7 years? Yes No

I hereby grant permission for Norada Real Estate Investments, and its participating lenders and mortgage brokerage firms including but not limited to Capital DirectLending, and/or their assigns (“Broker”) to obtain all information deemed necessary to process my mortgage loan application. This information includes, but is notlimited to, my past and present employment status, my deposit accounts, my past and present consumer credit record, my mortgage records and/or my rental records.You are consenting to be contacted by up to 3 mortgage providers either by telephone, email or mail based on the information you have provided, even if you havepreviously listed yourself on any private, state or federal Do-Not-Call List. You understand that the providers may maintain the information you submitted to uswhether you elect to use their services or not. In the event you no longer want to receive communications from a provider, you agree to notify the provider directly.

Broker, their successors and/or assigns, as their interest may appear, may reverify the information or documents used in processing this loan. I hereby authorize releaseof information to the lender or its designee, by my employer, bank, accountant, mortgage lender, landlord, creditors and other sources to verify the accuracy of

documents and credit information the lender uses in deciding whether to approve my mortgage loan application. I also grant permission to use photographic copies of this form containing my signature to obtain any information/documentation authorized hereby.

X___________________________________ _____________________Signature Date

Fax this form to (866) 611-3060 or Mail to Norada Real Estate, 30251 Golden Lantern, Suite E261, Laguna Niguel, CA 92677

_____________________________________________________________________________Privacy Act Notice: The information to be obtained will be used by the lender and any federal agency insuring, guaranteeing or purchasing the mortgage to determine whether you qualify as aprospective borrower under the lender’s and agency’s underwriting standards. The information will not be disclosed outside the lender and the federal agency without your consent except to theperson or company verifying the information including, but not limited to your employer, bank, lender and any other credit reference as needed to verify other credit information, but if you donot, your mortgage application may be delayed or rejected.

USA Patriot Act: The Patriot Act requires that we obtain the full “Date of Birth” (month, date and year) for all loan applicants.

Reservation / Pre-Approval Form

Middle Last

Street City State Zip

Print clearly

(If less than 2 years with present employer)

/yr

Home CellWork

Revised: April 1, 2008

First

St. Robert, MO Duplex

$0 zero-down cash-flow duplexes in missouri

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