$2,100,000
Investment Summary
- Monthly Cash Flow
- -$9,567
- Cap Rate
- 0.8%
- Cash-on-Cash Return
- -23.8%
- Debt Coverage Ratio
- 0.13
- Internal Rate of Return (5 years)
- -18.9%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Tucked away in complete privacy, this exceptional 5,430-square-foot, 5 bedroom, 5 bathroom French Country estate captures the essence of refined countryside living in Monticello, Georgia. Set on 105 acres of gentle rolling hills and pretty woodlands this property is a rare blend of extraordinary elegance, modern comfort, and natural beauty. The home's exterior is a picturesque nod to classic French architecture, with a stone and brick facade, steeply pitched roofs, copper accents, and charming landscaping. Inside, the craftsmanship is immediately evident- Soaring ceilings with so many exquisite details; where every hard surface has been sealed with non-toxic sealant and all interior paint is Low Voc, views of your gorgeous landscape through Quaker Quartz Luxury Windows, locally hand-hewn real Hickory floors, Travertine Matte Porcelain Tile in the laundry & bathrooms, and grand Masonry fireplaces- with impressive stonework all hand cut and designed on site create an atmosphere of warmth and exclusive sophistication. The elegant kitchen features lovely real brick floors, stunning Zia Handmade Tile backsplash, Natural Oak soft close Cabinetry, genuine Copper sink + Copper cabinet pulls from the UK. The hidden Butlers Pantry offers beautiful shelving & room for an extra fridge and freezer. Designed with both everyday comfort and entertaining in mind, the kitchen blends seamlessly with the large dining space and living room offering space for intimate family meals & cozy movie nights and entertaining a large crowd. The living room boasts a feature wall of hand cut and crafted stone with a real Hardwood Mantle surrounding the masonry fireplace. Located on its own side of the home, The Master Suite is a luxurious retreat, offering divine privacy and space. From the soaring ceilings to the giant His & Hers closets, this space is sure to make you feel comforted and affluent. The en-suite bath features beautiful Walnut-stained double doors, white Cast-Iron free-standing tub and lavish bronze fixtures, stunning Zia Handmade Tile Master Shower, and His & Hers vanities. Across the home, past the Sound-Proof Home Office, you'll find the grand hallway (also soundproof) where there are 3 more bedrooms and 2 full bathrooms with beautiful luxury wallpaper. Venture upstairs to the giant 5th bedroom/guest suite with its own brick bathroom. Past the upstairs suite there is a large bonus room with a precious reading nook ideal for a media lounge, hobby studio, or kids hangout/play space. Venture further to the upstairs Family Room featuring its own Masonry Fireplace with Herringbone details + another full bathroom. You'll also find ample attic storage space, easily accessed through stylish doors. Outside you'll find so many unique activities, your home will become the cornerstone of entertaining and sweet memories for years to come. Wander, ride or exercise on over 7 miles of manicured trails reaching every corner of the property with multiple creek crossings. Within those trails, starting in the backyard- you have a Professionally designed 18-Hole Disc Golf Course. If you fancy a workout, the garage has been transformed into a Professional gym complete with tall mirrors, fans and Olympic Grade Flooring. A unique hidden feature of this home is the Rock-Climbing Wall located on the exterior of the garage. Dine alfresco, relax or entertain on the Veranda overlooking it all. Important to note: the whole home has instant hot water & top-of-the-line water filtration system on the well. The well is 600ft deep & pumps 7 gallons per minute. There is an auto controlled irrigation system in the yard. In this home, luxury is an experience all around. Do not miss this remarkable, one-of-a-kind home!!
Build Your Team
Quickly find investor-friendly professionals who can help you succeed in real estate investing at any stage of the investing journey.
Agents
Match with investor-friendly agents who can help you find, analyze, and close your next deal
Lenders
Get the best funding…find investor-friendly lenders who specialize in your deal strategy
Property Managers
Transition to passive investing. Find a trusted property management partnership that lasts.
Tax Pros & Accountants
Taxes and financial reporting made easy—find experts to create tax savings strategies, file taxes, and more
Location
Property Details
Parking
- Description: Garage
- Details: Attached, Garage, Guest, Kitchen Level, Parking Pad, Storage
- Garage Spaces: 0
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 5
Bathroom Information
- # of Baths (Full): 5
- # of Baths (Total): 0.0
Interior Features
- # of Stories: 2
- Attic: Yes
- Basement Description: None
- Fireplace: Yes
Exterior Features
- Exterior Walls Materials: Masonry
- Foundation: Slab
- Roof Type: Gable
- Roof Material: Composition
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 052016
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Style: French Provincial
- Year Built: 2023
Tax Information
- Annual Tax: $9,335
Utilities
- Water & Sewer: Private, Well
- Heating: Central, Electric, Wood
- Cooling: Ceiling Fan(s), Central Air, Electric
Location
- County: Jasper
Investment Summary
- Monthly Cash Flow
- -$9,567
- Cap Rate
- 0.8%
- Cash-on-Cash Return
- -23.8%
- Debt Coverage Ratio
- 0.13
- Internal Rate of Return (5 years)
- -18.9%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $2,100,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$1,680,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $420,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $63,000 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $483,000 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 5,430 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $387 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $0.59 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $1,680,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 6.840% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $10,997 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $778 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $224 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $11,999 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $3,200 | $38,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$192 | -$2,304 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $3,008 | $36,096 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 24% | -$778 | -$9,335 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$224 | -$2,688 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$256 | -$3,072 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$160 | -$1,920 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$160 | -$1,920 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | n/a | n/a | n/a |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 49% | -$1,578 | -$18,935 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $1,430 | $17,160 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$10,997 | -$131,964 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $9,567 | $114,804 |