All Forum Posts by: Rita Lo

Hi,

Just starting out as a landlord (with a single property), and wondering what the best way to set up finances is. I currently operate out of my personal bank account, but was told it's a good option to set up a separate business bank account for everything involving this property (rent, any expenses associated, property management fees etc.) Should I pay my mortgage out of this "business" account as well? And what are the tax implications if I make money/if I lose money at the end of the year? Any advice appreciated.

Thanks!

If you are a property manager, or have experience working with one, what are some tips you have for comparing/screening them? Trying to understand what rates are reasonable in the DFW area for someone offering full service (from leasing to tenant screening to management). TIA!

@Myka Artis thanks for the tip! And if you find any good duplex deals in the historic/entertainment districts, feel free to give me a shout! :) Appreciate it.

@Myka Artis Thanks! This is incredibly valuable information. I’ve been largely focused on SFHs, but will definitely look into duplexes. What is a good price range to consider for those in this market? And to clarify: is the old town district the area Randal Mill, Center, and North Streets? Also in your opinion, if not DFW, what are some good markets for STRs? Appreciate it!

@Scott Schober Interesting - I am definitely going to look more into this. Do you know the rationale behind this proposed decision? Also, for current STR rentals on the market, are they profitable? Simply want to evaluate if the risk is even worth it before getting bogged down by the legislation. Thanks!

Hey BP! Does anyone have experience in DFW with short term/vacation rentals, particularly in the Arlington area near Six Flags, UTA, and ATT Stadium? Also, appreciate any advice on what STR laws are required to list a property in DFW, and vacancy rates! Thanks!

Has anyone successfully bought a property through auctions and/or foreclosures? If so, could you kindly advise what the process looks like to close the deal (how to bid, how to deal with banks etc.), how the title process/paperwork differ from buying a regular property, and the pros and cons of this method? Trying to better understand this process to see if it’s something for me - please feel free to share your success stories too!

@Shital Thakkar@Jeff Richardson @Colin Conn @Hattie Dizmond

I am curious about @Jessica Muto's question as well. Do you have any insights?

@Jeff Richardson

I built out the entire 30-year principle-balance structure and still cannot get his exact numbers...mine came close, but they are not completely aligned and I am curious why.

Period (MM)	Beginning Principle	Interest Payment	Principle Payment	Balance Principle
1	$ 92,000.00	$ 373.75	$ 113.12	$ 91,886.88
2	$ 91,886.88	$ 373.29	$ 113.58	$ 91,773.30
3	$ 91,773.30	$ 372.83	$ 114.04	$ 91,659.25
4	$ 91,659.25	$ 372.37	$ 114.51	$ 91,544.75
5	$ 91,544.75	$ 371.90	$ 114.97	$ 91,429.78
6	$ 91,429.78	$ 371.43	$ 115.44	$ 91,314.34
7	$ 91,314.34	$ 370.96	$ 115.91	$ 91,198.43
8	$ 91,198.43	$ 370.49	$ 116.38	$ 91,082.05
9	$ 91,082.05	$ 370.02	$ 116.85	$ 90,965.20
10	$ 90,965.20	$ 369.55	$ 117.33	$ 90,847.88
11	$ 90,847.88	$ 369.07	$ 117.80	$ 90,730.08
12	$ 90,730.08	$ 368.59	$ 118.28	$ 90,611.80
13	$ 90,611.80	$ 368.11	$ 118.76	$ 90,493.03
14	$ 90,493.03	$ 367.63	$ 119.24	$ 90,373.79
15	$ 90,373.79	$ 367.14	$ 119.73	$ 90,254.06
16	$ 90,254.06	$ 366.66	$ 120.21	$ 90,133.85
17	$ 90,133.85	$ 366.17	$ 120.70	$ 90,013.15
18	$ 90,013.15	$ 365.68	$ 121.19	$ 89,891.95
19	$ 89,891.95	$ 365.19	$ 121.69	$ 89,770.27
20	$ 89,770.27	$ 364.69	$ 122.18	$ 89,648.09
21	$ 89,648.09	$ 364.20	$ 122.68	$ 89,525.41
22	$ 89,525.41	$ 363.70	$ 123.17	$ 89,402.24
23	$ 89,402.24	$ 363.20	$ 123.67	$ 89,278.56
24	$ 89,278.56	$ 362.69	$ 124.18	$ 89,154.38
25	$ 89,154.38	$ 362.19	$ 124.68	$ 89,029.70
26	$ 89,029.70	$ 361.68	$ 125.19	$ 88,904.51
27	$ 88,904.51	$ 361.17	$ 125.70	$ 88,778.82
28	$ 88,778.82	$ 360.66	$ 126.21	$ 88,652.61
29	$ 88,652.61	$ 360.15	$ 126.72	$ 88,525.89
30	$ 88,525.89	$ 359.64	$ 127.24	$ 88,398.65
31	$ 88,398.65	$ 359.12	$ 127.75	$ 88,270.90
32	$ 88,270.90	$ 358.60	$ 128.27	$ 88,142.63
33	$ 88,142.63	$ 358.08	$ 128.79	$ 88,013.84
34	$ 88,013.84	$ 357.56	$ 129.32	$ 87,884.52
35	$ 87,884.52	$ 357.03	$ 129.84	$ 87,754.68
36	$ 87,754.68	$ 356.50	$ 130.37	$ 87,624.31
37	$ 87,624.31	$ 355.97	$ 130.90	$ 87,493.42
38	$ 87,493.42	$ 355.44	$ 131.43	$ 87,361.99
39	$ 87,361.99	$ 354.91	$ 131.96	$ 87,230.02
40	$ 87,230.02	$ 354.37	$ 132.50	$ 87,097.52
41	$ 87,097.52	$ 353.83	$ 133.04	$ 86,964.49
42	$ 86,964.49	$ 353.29	$ 133.58	$ 86,830.91
43	$ 86,830.91	$ 352.75	$ 134.12	$ 86,696.79
44	$ 86,696.79	$ 352.21	$ 134.67	$ 86,562.12
45	$ 86,562.12	$ 351.66	$ 135.21	$ 86,426.91
46	$ 86,426.91	$ 351.11	$ 135.76	$ 86,291.15
47	$ 86,291.15	$ 350.56	$ 136.31	$ 86,154.83
48	$ 86,154.83	$ 350.00	$ 136.87	$ 86,017.96
49	$ 86,017.96	$ 349.45	$ 137.42	$ 85,880.54
50	$ 85,880.54	$ 348.89	$ 137.98	$ 85,742.56
51	$ 85,742.56	$ 348.33	$ 138.54	$ 85,604.02
52	$ 85,604.02	$ 347.77	$ 139.11	$ 85,464.91
53	$ 85,464.91	$ 347.20	$ 139.67	$ 85,325.24
54	$ 85,325.24	$ 346.63	$ 140.24	$ 85,185.00
55	$ 85,185.00	$ 346.06	$ 140.81	$ 85,044.20
56	$ 85,044.20	$ 345.49	$ 141.38	$ 84,902.82
57	$ 84,902.82	$ 344.92	$ 141.95	$ 84,760.86
58	$ 84,760.86	$ 344.34	$ 142.53	$ 84,618.33
59	$ 84,618.33	$ 343.76	$ 143.11	$ 84,475.22
60	$ 84,475.22	$ 343.18	$ 143.69	$ 84,331.53
61	$ 84,331.53	$ 342.60	$ 144.27	$ 84,187.26
62	$ 84,187.26	$ 342.01	$ 144.86	$ 84,042.40
63	$ 84,042.40	$ 341.42	$ 145.45	$ 83,896.95
64	$ 83,896.95	$ 340.83	$ 146.04	$ 83,750.91
65	$ 83,750.91	$ 340.24	$ 146.63	$ 83,604.27
66	$ 83,604.27	$ 339.64	$ 147.23	$ 83,457.04
67	$ 83,457.04	$ 339.04	$ 147.83	$ 83,309.22
68	$ 83,309.22	$ 338.44	$ 148.43	$ 83,160.79
69	$ 83,160.79	$ 337.84	$ 149.03	$ 83,011.76
70	$ 83,011.76	$ 337.24	$ 149.64	$ 82,862.12
71	$ 82,862.12	$ 336.63	$ 150.24	$ 82,711.88
72	$ 82,711.88	$ 336.02	$ 150.85	$ 82,561.02
73	$ 82,561.02	$ 335.40	$ 151.47	$ 82,409.55
74	$ 82,409.55	$ 334.79	$ 152.08	$ 82,257.47
75	$ 82,257.47	$ 334.17	$ 152.70	$ 82,104.77
76	$ 82,104.77	$ 333.55	$ 153.32	$ 81,951.45
77	$ 81,951.45	$ 332.93	$ 153.94	$ 81,797.51
78	$ 81,797.51	$ 332.30	$ 154.57	$ 81,642.94
79	$ 81,642.94	$ 331.67	$ 155.20	$ 81,487.74
80	$ 81,487.74	$ 331.04	$ 155.83	$ 81,331.91
81	$ 81,331.91	$ 330.41	$ 156.46	$ 81,175.45
82	$ 81,175.45	$ 329.78	$ 157.10	$ 81,018.36
83	$ 81,018.36	$ 329.14	$ 157.73	$ 80,860.62
84	$ 80,860.62	$ 328.50	$ 158.38	$ 80,702.25
85	$ 80,702.25	$ 327.85	$ 159.02	$ 80,543.23
86	$ 80,543.23	$ 327.21	$ 159.66	$ 80,383.56
87	$ 80,383.56	$ 326.56	$ 160.31	$ 80,223.25
88	$ 80,223.25	$ 325.91	$ 160.96	$ 80,062.28
89	$ 80,062.28	$ 325.25	$ 161.62	$ 79,900.67
90	$ 79,900.67	$ 324.60	$ 162.28	$ 79,738.39
91	$ 79,738.39	$ 323.94	$ 162.93	$ 79,575.46
92	$ 79,575.46	$ 323.28	$ 163.60	$ 79,411.86
93	$ 79,411.86	$ 322.61	$ 164.26	$ 79,247.60
94	$ 79,247.60	$ 321.94	$ 164.93	$ 79,082.67
95	$ 79,082.67	$ 321.27	$ 165.60	$ 78,917.07
96	$ 78,917.07	$ 320.60	$ 166.27	$ 78,750.80
97	$ 78,750.80	$ 319.93	$ 166.95	$ 78,583.86
98	$ 78,583.86	$ 319.25	$ 167.62	$ 78,416.23
99	$ 78,416.23	$ 318.57	$ 168.31	$ 78,247.93
100	$ 78,247.93	$ 317.88	$ 168.99	$ 78,078.94
101	$ 78,078.94	$ 317.20	$ 169.68	$ 77,909.26
102	$ 77,909.26	$ 316.51	$ 170.37	$ 77,738.89
103	$ 77,738.89	$ 315.81	$ 171.06	$ 77,567.84
104	$ 77,567.84	$ 315.12	$ 171.75	$ 77,396.09
105	$ 77,396.09	$ 314.42	$ 172.45	$ 77,223.64
106	$ 77,223.64	$ 313.72	$ 173.15	$ 77,050.48
107	$ 77,050.48	$ 313.02	$ 173.85	$ 76,876.63
108	$ 76,876.63	$ 312.31	$ 174.56	$ 76,702.07
109	$ 76,702.07	$ 311.60	$ 175.27	$ 76,526.80
110	$ 76,526.80	$ 310.89	$ 175.98	$ 76,350.82
111	$ 76,350.82	$ 310.18	$ 176.70	$ 76,174.12
112	$ 76,174.12	$ 309.46	$ 177.41	$ 75,996.71
113	$ 75,996.71	$ 308.74	$ 178.13	$ 75,818.57
114	$ 75,818.57	$ 308.01	$ 178.86	$ 75,639.72
115	$ 75,639.72	$ 307.29	$ 179.59	$ 75,460.13
116	$ 75,460.13	$ 306.56	$ 180.31	$ 75,279.82
117	$ 75,279.82	$ 305.82	$ 181.05	$ 75,098.77
118	$ 75,098.77	$ 305.09	$ 181.78	$ 74,916.99
119	$ 74,916.99	$ 304.35	$ 182.52	$ 74,734.46
120	$ 74,734.46	$ 303.61	$ 183.26	$ 74,551.20
121	$ 74,551.20	$ 302.86	$ 184.01	$ 74,367.19
122	$ 74,367.19	$ 302.12	$ 184.75	$ 74,182.44
123	$ 74,182.44	$ 301.37	$ 185.51	$ 73,996.93
124	$ 73,996.93	$ 300.61	$ 186.26	$ 73,810.67
125	$ 73,810.67	$ 299.86	$ 187.02	$ 73,623.66
126	$ 73,623.66	$ 299.10	$ 187.78	$ 73,435.88
127	$ 73,435.88	$ 298.33	$ 188.54	$ 73,247.35
128	$ 73,247.35	$ 297.57	$ 189.30	$ 73,058.04
129	$ 73,058.04	$ 296.80	$ 190.07	$ 72,867.97
130	$ 72,867.97	$ 296.03	$ 190.85	$ 72,677.12
131	$ 72,677.12	$ 295.25	$ 191.62	$ 72,485.50
132	$ 72,485.50	$ 294.47	$ 192.40	$ 72,293.10
133	$ 72,293.10	$ 293.69	$ 193.18	$ 72,099.92
134	$ 72,099.92	$ 292.91	$ 193.97	$ 71,905.96
135	$ 71,905.96	$ 292.12	$ 194.75	$ 71,711.20
136	$ 71,711.20	$ 291.33	$ 195.54	$ 71,515.66
137	$ 71,515.66	$ 290.53	$ 196.34	$ 71,319.32
138	$ 71,319.32	$ 289.73	$ 197.14	$ 71,122.18
139	$ 71,122.18	$ 288.93	$ 197.94	$ 70,924.24
140	$ 70,924.24	$ 288.13	$ 198.74	$ 70,725.50
141	$ 70,725.50	$ 287.32	$ 199.55	$ 70,525.95
142	$ 70,525.95	$ 286.51	$ 200.36	$ 70,325.59
143	$ 70,325.59	$ 285.70	$ 201.17	$ 70,124.42
144	$ 70,124.42	$ 284.88	$ 201.99	$ 69,922.43
145	$ 69,922.43	$ 284.06	$ 202.81	$ 69,719.62
146	$ 69,719.62	$ 283.24	$ 203.64	$ 69,515.98
147	$ 69,515.98	$ 282.41	$ 204.46	$ 69,311.52
148	$ 69,311.52	$ 281.58	$ 205.29	$ 69,106.22
149	$ 69,106.22	$ 280.74	$ 206.13	$ 68,900.10
150	$ 68,900.10	$ 279.91	$ 206.96	$ 68,693.13
151	$ 68,693.13	$ 279.07	$ 207.81	$ 68,485.33
152	$ 68,485.33	$ 278.22	$ 208.65	$ 68,276.68
153	$ 68,276.68	$ 277.37	$ 209.50	$ 68,067.18
154	$ 68,067.18	$ 276.52	$ 210.35	$ 67,856.83
155	$ 67,856.83	$ 275.67	$ 211.20	$ 67,645.63
156	$ 67,645.63	$ 274.81	$ 212.06	$ 67,433.57
157	$ 67,433.57	$ 273.95	$ 212.92	$ 67,220.64
158	$ 67,220.64	$ 273.08	$ 213.79	$ 67,006.86
159	$ 67,006.86	$ 272.22	$ 214.66	$ 66,792.20
160	$ 66,792.20	$ 271.34	$ 215.53	$ 66,576.67
161	$ 66,576.67	$ 270.47	$ 216.40	$ 66,360.27
162	$ 66,360.27	$ 269.59	$ 217.28	$ 66,142.98
163	$ 66,142.98	$ 268.71	$ 218.17	$ 65,924.82
164	$ 65,924.82	$ 267.82	$ 219.05	$ 65,705.77
165	$ 65,705.77	$ 266.93	$ 219.94	$ 65,485.82
166	$ 65,485.82	$ 266.04	$ 220.84	$ 65,264.99
167	$ 65,264.99	$ 265.14	$ 221.73	$ 65,043.26
168	$ 65,043.26	$ 264.24	$ 222.63	$ 64,820.62
169	$ 64,820.62	$ 263.33	$ 223.54	$ 64,597.09
170	$ 64,597.09	$ 262.43	$ 224.45	$ 64,372.64
171	$ 64,372.64	$ 261.51	$ 225.36	$ 64,147.28
172	$ 64,147.28	$ 260.60	$ 226.27	$ 63,921.01
173	$ 63,921.01	$ 259.68	$ 227.19	$ 63,693.82
174	$ 63,693.82	$ 258.76	$ 228.12	$ 63,465.70
175	$ 63,465.70	$ 257.83	$ 229.04	$ 63,236.66
176	$ 63,236.66	$ 256.90	$ 229.97	$ 63,006.69
177	$ 63,006.69	$ 255.96	$ 230.91	$ 62,775.78
178	$ 62,775.78	$ 255.03	$ 231.84	$ 62,543.93
179	$ 62,543.93	$ 254.08	$ 232.79	$ 62,311.15
180	$ 62,311.15	$ 253.14	$ 233.73	$ 62,077.41
181	$ 62,077.41	$ 252.19	$ 234.68	$ 61,842.73
182	$ 61,842.73	$ 251.24	$ 235.64	$ 61,607.10
183	$ 61,607.10	$ 250.28	$ 236.59	$ 61,370.50
184	$ 61,370.50	$ 249.32	$ 237.55	$ 61,132.95
185	$ 61,132.95	$ 248.35	$ 238.52	$ 60,894.43
186	$ 60,894.43	$ 247.38	$ 239.49	$ 60,654.94
187	$ 60,654.94	$ 246.41	$ 240.46	$ 60,414.48
188	$ 60,414.48	$ 245.43	$ 241.44	$ 60,173.04
189	$ 60,173.04	$ 244.45	$ 242.42	$ 59,930.63
190	$ 59,930.63	$ 243.47	$ 243.40	$ 59,687.22
191	$ 59,687.22	$ 242.48	$ 244.39	$ 59,442.83
192	$ 59,442.83	$ 241.49	$ 245.39	$ 59,197.45
193	$ 59,197.45	$ 240.49	$ 246.38	$ 58,951.06
194	$ 58,951.06	$ 239.49	$ 247.38	$ 58,703.68
195	$ 58,703.68	$ 238.48	$ 248.39	$ 58,455.29
196	$ 58,455.29	$ 237.47	$ 249.40	$ 58,205.90
197	$ 58,205.90	$ 236.46	$ 250.41	$ 57,955.49
198	$ 57,955.49	$ 235.44	$ 251.43	$ 57,704.06
199	$ 57,704.06	$ 234.42	$ 252.45	$ 57,451.61
200	$ 57,451.61	$ 233.40	$ 253.47	$ 57,198.14
201	$ 57,198.14	$ 232.37	$ 254.50	$ 56,943.63
202	$ 56,943.63	$ 231.33	$ 255.54	$ 56,688.09
203	$ 56,688.09	$ 230.30	$ 256.58	$ 56,431.52
204	$ 56,431.52	$ 229.25	$ 257.62	$ 56,173.90
205	$ 56,173.90	$ 228.21	$ 258.67	$ 55,915.23
206	$ 55,915.23	$ 227.16	$ 259.72	$ 55,655.52
207	$ 55,655.52	$ 226.10	$ 260.77	$ 55,394.75
208	$ 55,394.75	$ 225.04	$ 261.83	$ 55,132.92
209	$ 55,132.92	$ 223.98	$ 262.89	$ 54,870.02
210	$ 54,870.02	$ 222.91	$ 263.96	$ 54,606.06
211	$ 54,606.06	$ 221.84	$ 265.03	$ 54,341.03
212	$ 54,341.03	$ 220.76	$ 266.11	$ 54,074.91
213	$ 54,074.91	$ 219.68	$ 267.19	$ 53,807.72
214	$ 53,807.72	$ 218.59	$ 268.28	$ 53,539.44
215	$ 53,539.44	$ 217.50	$ 269.37	$ 53,270.08
216	$ 53,270.08	$ 216.41	$ 270.46	$ 52,999.61
217	$ 52,999.61	$ 215.31	$ 271.56	$ 52,728.05
218	$ 52,728.05	$ 214.21	$ 272.66	$ 52,455.39
219	$ 52,455.39	$ 213.10	$ 273.77	$ 52,181.62
220	$ 52,181.62	$ 211.99	$ 274.88	$ 51,906.73
221	$ 51,906.73	$ 210.87	$ 276.00	$ 51,630.73
222	$ 51,630.73	$ 209.75	$ 277.12	$ 51,353.61
223	$ 51,353.61	$ 208.62	$ 278.25	$ 51,075.37
224	$ 51,075.37	$ 207.49	$ 279.38	$ 50,795.99
225	$ 50,795.99	$ 206.36	$ 280.51	$ 50,515.47
226	$ 50,515.47	$ 205.22	$ 281.65	$ 50,233.82
227	$ 50,233.82	$ 204.07	$ 282.80	$ 49,951.03
228	$ 49,951.03	$ 202.93	$ 283.95	$ 49,667.08
229	$ 49,667.08	$ 201.77	$ 285.10	$ 49,381.98
230	$ 49,381.98	$ 200.61	$ 286.26	$ 49,095.72
231	$ 49,095.72	$ 199.45	$ 287.42	$ 48,808.30
232	$ 48,808.30	$ 198.28	$ 288.59	$ 48,519.72
233	$ 48,519.72	$ 197.11	$ 289.76	$ 48,229.96
234	$ 48,229.96	$ 195.93	$ 290.94	$ 47,939.02
235	$ 47,939.02	$ 194.75	$ 292.12	$ 47,646.90
236	$ 47,646.90	$ 193.57	$ 293.31	$ 47,353.59
237	$ 47,353.59	$ 192.37	$ 294.50	$ 47,059.09
238	$ 47,059.09	$ 191.18	$ 295.69	$ 46,763.40
239	$ 46,763.40	$ 189.98	$ 296.90	$ 46,466.51
240	$ 46,466.51	$ 188.77	$ 298.10	$ 46,168.40
241	$ 46,168.40	$ 187.56	$ 299.31	$ 45,869.09
242	$ 45,869.09	$ 186.34	$ 300.53	$ 45,568.56
243	$ 45,568.56	$ 185.12	$ 301.75	$ 45,266.81
244	$ 45,266.81	$ 183.90	$ 302.98	$ 44,963.84
245	$ 44,963.84	$ 182.67	$ 304.21	$ 44,659.63
246	$ 44,659.63	$ 181.43	$ 305.44	$ 44,354.19
247	$ 44,354.19	$ 180.19	$ 306.68	$ 44,047.51
248	$ 44,047.51	$ 178.94	$ 307.93	$ 43,739.58
249	$ 43,739.58	$ 177.69	$ 309.18	$ 43,430.40
250	$ 43,430.40	$ 176.44	$ 310.44	$ 43,119.96
251	$ 43,119.96	$ 175.17	$ 311.70	$ 42,808.27
252	$ 42,808.27	$ 173.91	$ 312.96	$ 42,495.31
253	$ 42,495.31	$ 172.64	$ 314.23	$ 42,181.07
254	$ 42,181.07	$ 171.36	$ 315.51	$ 41,865.56
255	$ 41,865.56	$ 170.08	$ 316.79	$ 41,548.77
256	$ 41,548.77	$ 168.79	$ 318.08	$ 41,230.69
257	$ 41,230.69	$ 167.50	$ 319.37	$ 40,911.32
258	$ 40,911.32	$ 166.20	$ 320.67	$ 40,590.65
259	$ 40,590.65	$ 164.90	$ 321.97	$ 40,268.67
260	$ 40,268.67	$ 163.59	$ 323.28	$ 39,945.39
261	$ 39,945.39	$ 162.28	$ 324.59	$ 39,620.80
262	$ 39,620.80	$ 160.96	$ 325.91	$ 39,294.89
263	$ 39,294.89	$ 159.64	$ 327.24	$ 38,967.65
264	$ 38,967.65	$ 158.31	$ 328.57	$ 38,639.09
265	$ 38,639.09	$ 156.97	$ 329.90	$ 38,309.19
266	$ 38,309.19	$ 155.63	$ 331.24	$ 37,977.95
267	$ 37,977.95	$ 154.29	$ 332.59	$ 37,645.36
268	$ 37,645.36	$ 152.93	$ 333.94	$ 37,311.42
269	$ 37,311.42	$ 151.58	$ 335.29	$ 36,976.13
270	$ 36,976.13	$ 150.22	$ 336.66	$ 36,639.47
271	$ 36,639.47	$ 148.85	$ 338.02	$ 36,301.45
272	$ 36,301.45	$ 147.47	$ 339.40	$ 35,962.05
273	$ 35,962.05	$ 146.10	$ 340.78	$ 35,621.28
274	$ 35,621.28	$ 144.71	$ 342.16	$ 35,279.12
275	$ 35,279.12	$ 143.32	$ 343.55	$ 34,935.57
276	$ 34,935.57	$ 141.93	$ 344.95	$ 34,590.62
277	$ 34,590.62	$ 140.52	$ 346.35	$ 34,244.27
278	$ 34,244.27	$ 139.12	$ 347.75	$ 33,896.52
279	$ 33,896.52	$ 137.70	$ 349.17	$ 33,547.35
280	$ 33,547.35	$ 136.29	$ 350.59	$ 33,196.77
281	$ 33,196.77	$ 134.86	$ 352.01	$ 32,844.76
282	$ 32,844.76	$ 133.43	$ 353.44	$ 32,491.32
283	$ 32,491.32	$ 132.00	$ 354.88	$ 32,136.44
284	$ 32,136.44	$ 130.55	$ 356.32	$ 31,780.12
285	$ 31,780.12	$ 129.11	$ 357.76	$ 31,422.36
286	$ 31,422.36	$ 127.65	$ 359.22	$ 31,063.14
287	$ 31,063.14	$ 126.19	$ 360.68	$ 30,702.46
288	$ 30,702.46	$ 124.73	$ 362.14	$ 30,340.32
289	$ 30,340.32	$ 123.26	$ 363.61	$ 29,976.71
290	$ 29,976.71	$ 121.78	$ 365.09	$ 29,611.62
291	$ 29,611.62	$ 120.30	$ 366.57	$ 29,245.04
292	$ 29,245.04	$ 118.81	$ 368.06	$ 28,876.98
293	$ 28,876.98	$ 117.31	$ 369.56	$ 28,507.42
294	$ 28,507.42	$ 115.81	$ 371.06	$ 28,136.36
295	$ 28,136.36	$ 114.30	$ 372.57	$ 27,763.79
296	$ 27,763.79	$ 112.79	$ 374.08	$ 27,389.71
297	$ 27,389.71	$ 111.27	$ 375.60	$ 27,014.11
298	$ 27,014.11	$ 109.74	$ 377.13	$ 26,636.98
299	$ 26,636.98	$ 108.21	$ 378.66	$ 26,258.32
300	$ 26,258.32	$ 106.67	$ 380.20	$ 25,878.13
301	$ 25,878.13	$ 105.13	$ 381.74	$ 25,496.38
302	$ 25,496.38	$ 103.58	$ 383.29	$ 25,113.09
303	$ 25,113.09	$ 102.02	$ 384.85	$ 24,728.24
304	$ 24,728.24	$ 100.46	$ 386.41	$ 24,341.83
305	$ 24,341.83	$ 98.89	$ 387.98	$ 23,953.85
306	$ 23,953.85	$ 97.31	$ 389.56	$ 23,564.29
307	$ 23,564.29	$ 95.73	$ 391.14	$ 23,173.15
308	$ 23,173.15	$ 94.14	$ 392.73	$ 22,780.42
309	$ 22,780.42	$ 92.55	$ 394.33	$ 22,386.09
310	$ 22,386.09	$ 90.94	$ 395.93	$ 21,990.16
311	$ 21,990.16	$ 89.34	$ 397.54	$ 21,592.62
312	$ 21,592.62	$ 87.72	$ 399.15	$ 21,193.47
313	$ 21,193.47	$ 86.10	$ 400.77	$ 20,792.70
314	$ 20,792.70	$ 84.47	$ 402.40	$ 20,390.30
315	$ 20,390.30	$ 82.84	$ 404.04	$ 19,986.26
316	$ 19,986.26	$ 81.19	$ 405.68	$ 19,580.59
317	$ 19,580.59	$ 79.55	$ 407.33	$ 19,173.26
318	$ 19,173.26	$ 77.89	$ 408.98	$ 18,764.28
319	$ 18,764.28	$ 76.23	$ 410.64	$ 18,353.64
320	$ 18,353.64	$ 74.56	$ 412.31	$ 17,941.33
321	$ 17,941.33	$ 72.89	$ 413.98	$ 17,527.34
322	$ 17,527.34	$ 71.20	$ 415.67	$ 17,111.68
323	$ 17,111.68	$ 69.52	$ 417.36	$ 16,694.32
324	$ 16,694.32	$ 67.82	$ 419.05	$ 16,275.27
325	$ 16,275.27	$ 66.12	$ 420.75	$ 15,854.52
326	$ 15,854.52	$ 64.41	$ 422.46	$ 15,432.05
327	$ 15,432.05	$ 62.69	$ 424.18	$ 15,007.88
328	$ 15,007.88	$ 60.97	$ 425.90	$ 14,581.97
329	$ 14,581.97	$ 59.24	$ 427.63	$ 14,154.34
330	$ 14,154.34	$ 57.50	$ 429.37	$ 13,724.97
331	$ 13,724.97	$ 55.76	$ 431.11	$ 13,293.86
332	$ 13,293.86	$ 54.01	$ 432.87	$ 12,860.99
333	$ 12,860.99	$ 52.25	$ 434.62	$ 12,426.37
334	$ 12,426.37	$ 50.48	$ 436.39	$ 11,989.98
335	$ 11,989.98	$ 48.71	$ 438.16	$ 11,551.82
336	$ 11,551.82	$ 46.93	$ 439.94	$ 11,111.87
337	$ 11,111.87	$ 45.14	$ 441.73	$ 10,670.14
338	$ 10,670.14	$ 43.35	$ 443.52	$ 10,226.62
339	$ 10,226.62	$ 41.55	$ 445.33	$ 9,781.29
340	$ 9,781.29	$ 39.74	$ 447.14	$ 9,334.16
341	$ 9,334.16	$ 37.92	$ 448.95	$ 8,885.21
342	$ 8,885.21	$ 36.10	$ 450.78	$ 8,434.43
343	$ 8,434.43	$ 34.26	$ 452.61	$ 7,981.83
344	$ 7,981.83	$ 32.43	$ 454.45	$ 7,527.38
345	$ 7,527.38	$ 30.58	$ 456.29	$ 7,071.09
346	$ 7,071.09	$ 28.73	$ 458.15	$ 6,612.94
347	$ 6,612.94	$ 26.87	$ 460.01	$ 6,152.94
348	$ 6,152.94	$ 25.00	$ 461.88	$ 5,691.06
349	$ 5,691.06	$ 23.12	$ 463.75	$ 5,227.31
350	$ 5,227.31	$ 21.24	$ 465.64	$ 4,761.67
351	$ 4,761.67	$ 19.34	$ 467.53	$ 4,294.15
352	$ 4,294.15	$ 17.44	$ 469.43	$ 3,824.72
353	$ 3,824.72	$ 15.54	$ 471.33	$ 3,353.39
354	$ 3,353.39	$ 13.62	$ 473.25	$ 2,880.14
355	$ 2,880.14	$ 11.70	$ 475.17	$ 2,404.97
356	$ 2,404.97	$ 9.77	$ 477.10	$ 1,927.87
357	$ 1,927.87	$ 7.83	$ 479.04	$ 1,448.83
358	$ 1,448.83	$ 5.89	$ 480.99	$ 967.84
359	$ 967.84	$ 3.93	$ 482.94	$ 484.90
360	$ 484.90	$ 1.97	$ 484.90	$ (0.00)

@Alex Smith Yes, I am referring to the Yearly Projections.

What you said is true for when we first buy a property. In Brandon Turner's example for the rental calculator (https://www.youtube.com/watch?v=hrOR9mYk0Vs), he analyzed a place that cost $115K. His initial equity is $23K (downpayment), so his initial loan balance is $92K.

But as he projects this annually, after Year 1 the loan balance falls to $90.6K, then $89.1K in Y2, then $87.6K Y3, and so on. I am not sure how those numbers come about.