--- title: Investment Rental Scenarios description: "Scenario 1: Pre-construction Condo Purchase Price: $269,900 Down payment: $53,800 (20%) Mortgage: $261,100 Mortgage Terms: 25 Year Amortization 5 Year Term 2.6% on a $215,000 mortgage 20% down payment" --- [Skip to content](https://info.regoteam.com/knowledge/investment-rental-scenarios#main-content) English Show submenu for translations ![Untitled design (1)-4.png\]](https://info.regoteam.com/hs-fs/hubfs/Untitled%20design%20(1)-4.png?height=40&name=Untitled%20design%20(1)-4.png) - Home - Products - Pricing - Blog - Company Open main navigation Close main navigation - Home - Products - Pricing - Blog - Company - English Show submenu for translations How can we help you? - There are no suggestions because the search field is empty. 1. [Corcoran Horizon Knowledgebase](https://info.regoteam.com/knowledge?hsLang=en) 2. [Sales](https://info.regoteam.com/knowledge/sales?hsLang=en) 3. [Investment Division](https://info.regoteam.com/knowledge/sales?hsLang=en#investment-division) # Investment Rental Scenarios **Scenario 1: Pre-construction Condo** | Purchase Price: $269,900 Down payment: $53,800 (20%) Mortgage: $261,100 Mortgage Terms: 25 Year Amortization 5 Year Term 2.6% on a $215,000 mortgage 20% down payment | MONTHLY EXPENSES   Mortgage Payment: -$980 Taxes: -$200 Insurance: - $50 -$1,230   *\*tenants pay utilities* | MONTHLY INCOME   Rent: $1,350 Expenses: $-1,230 Monthly Cash Flow: +80 | | --- | --- | --- | **Scenario 2: Semi-Detached / Townhome** | Purchase Price: $269,900 Down payment: $53,800 (20%) Mortgage: $261,100 Mortgage Terms: 25 Year Amortization 5 Year Term 2.6% on a $215,000 mortgage 20% down payment | MONTHLY EXPENSES   Mortgage Payment: -$980 Taxes: -$200 Insurance: - $50 -$1,230   *\*tenants pay utilities* | MONTHLY INCOME   Rent: $1,350 Expenses: $-1,230 Monthly Cash Flow: +80 | | --- | --- | --- |   **Scenario 3: Buy the Semi/Townhouse with little of your own money** The home you’ve owned and lived in for several years is now worth $300,000 with $125,000 left on the mortgage.    Through the bank, you are able to get a “HELOC” (Home Equity Line of Credit) where they lend you 65% of the value ($195,000).  Once you subtract your outstanding mortgage amount, you are left with a maximum loan amount of $70,000.  You decide to borrow $50,000 at 3.5% interest costing you $146/month. You use this $50,000 as a down payment on this income property. | Purchase Price: $269,900 Down payment: $53,800 (20%) Mortgage: $261,100 Mortgage Terms: 25 Year Amortization 5 Year Term 2.6% on a $215,000 mortgage 20% down payment | MONTHLY EXPENSES   Mortgage Payment: -$980 Taxes: -$200 Insurance: - $50 HELOC Borrowing Cost: -$146 -$1,376   *\*tenants pay utilities* | MONTHLY INCOME   Rent: $1,350 Expenses: $-1,376 Monthly Cash Flow: -$26 | | --- | --- | --- |   **Scenario 4: Student Rental** | Purchase Price: $255,000 Down payment: $76,000 (Typically 30% for student rentals) Mortgage: $178,500 Mortgage Terms: 25 Year Amortization 5 Year Term 2.6% on a $178,500 mortgage 30% down payment | MONTHLY EXPENSES   Mortgage Payment: -$808 Taxes: -$205 Insurance: - $100 Condo: -$265 -$1,375   *\*tenants pay utilities* | MONTHLY INCOME   Rent: $1,750 (4 Bdrm x $425) Expenses: $-1,375 Monthly Cash Flow: +$325 | | --- | --- | --- |   **Scenario 5: 5-Plex (Multi-Family)** | Purchase Price: $500,000 Down payment: $100,000 (20% Downpayment) Mortgage: $400,000 Mortgage Terms: 25 Year Amortization 5 Year Term 3% on a $399,920 mortgage 20% down payment | MONTHLY EXPENSES   Mortgage Payment: -$1,892 Common area utilities: -$375 Taxes: - 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