Data Entry Check List

The Data Entry Check List provides an intuitive interface for entering data about an investment property, how it is to be financed, how tax credits are to be calculated, and how these variables are to change over time. This would normally be the first step in analysing any prospective property as it helps construct an Investment Analysis spreadsheet with all of the appropriate starting values.

4 x Spreadsheets 

1. Investment Analysis 
The Investment Analysis Spreadsheet is the main focus of PIA. You will find that you spend most of your time within this spreadsheet as it gives you instant answers on how much a prospective investment property is likely to cost you after tax and what rate of return you might anticipate for the data you have entered.
o Cash flow projections (40 years)
o Internal rate of return
o Before-tax and after-tax cash flows
o Tax benefits
o Variety of possible loan types
o Calculate personal investment & borrowing capacities
o Include a portfolio of properties

2. Home Loan Analysis 
The Home Loan Analysis Spreadsheet is used to describe the status of your home loan (i.e. how much is still owing and what your repayments are). You can use it to analyse ways of repaying your home loan faster (e.g. by way of additional payments, fortnightly payments or a credit line) or even to consolidate and refinance several non-deductible loans into one.

3. Wealth Builder 
The Wealth Builder Spreadsheet helps you interactively plan a portfolio of investment properties based on projected multiples of the property under review in the Investment Analysis Spreadsheet.
At each step (that is, each year) you can see whether you would have the necessary funds (cash savings) and whether the banks would be likely to lend you the finance (loan/value ratio and debt /service ratio). This spreadsheet integrates data from the investment property under review, your home and any existing investment property portfolio.

4.Linked Loan Analysis 
The Linked Loans Spreadsheet allows you to explore methods of repaying non-deductible loans faster using surplus cash flows from an investment property. Where a credit line is the preferred method for repaying a home loan, the Linked Loans Spreadsheet also allows you to take account of the after-tax cost of an investment property, though this can also be explored in the Wealth Builder

Reports

• Investment report
The report begins with the summary report of the variables displayed on the spreadsheet, then gives a detailed explanation and breakdown of all input variables displayed on the spreadsheet. This report also includes details of projected internal rate of return (IRR), tax benefits and investment capacity.
• Investment report (descriptive)
A report which details all of the information relevant to the specific investment along with a detailed description of the input variables and what they mean.
• Cash flow analysis report 
The first part of the report gives a tabulated breakdown of all the items that contribute to the cash flow in the first year of the investment. The later parts of the report show the cash flow projections over time.
• Capital gains tax report 
This report outlines CGT legislation and shows how the capital gains tax liability (for Australia) would be calculated if the investment property were to be sold at the end of the projection period
• Home loan report
A report which provides the details and annual break-down of an investor's home loan, showing the term of the loan and the total interest paid.
• Wealth builder report
A report showing the accumulation of investment properties specified in the Wealth Builder spreadsheet.  The report includes the spreadsheet, projections of property values, income and expenditure, as well as graphics of Investment Equity & Net Worth, Loan to Value & Debt Service Ratios and After-Tax Cash Flows.
• Linked loan report 
A report describing the interest and repayment schedule for both the home and investment loans. This is a detailed report that includes the projections from the Linked Loans spreadsheet, together with detailed analysis of projected loan payments and balances, equity, and tax benefits
Custom report  Allows you to collate a report which optionally includes various reports and graphics screens

Click here to order PIA Personal - Only $245.00 including Postage

Click here to order PIA Professional - Only $495 includes postage and 2 bonus books

------------------------------------------------------------------------------------