CB Sea Coast Advantage — Net Sheet Calculator

PROPERTY & SALE INFORMATION

Property Address

Offer / Sale Price

Listing Agent Commission (%)

Buyer Agent Commission (%)

SELLER CLOSING COSTS

SC Deed Stamps (auto-calc $1.85/$500)

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Attorney / Closing Fee

Home Warranty (if offered)

Home Inspection Credit / Repair Credit

HOA Transfer / Estoppel Fee

Seller Concessions / Closing Cost Credit

Pro-rated Taxes (est.)

Other Costs

MORTGAGES & LIENS

1st Mortgage Payoff

2nd Mortgage / HELOC Payoff

Other Liens / Past Due HOA

Total Deductions

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ESTIMATED SELLER NET PROCEEDS—

Sale Price

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Total Commission

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Total Closing Costs

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Total Payoffs

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Est. Net Proceeds

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Estimates only. Actual figures provided by closing attorney. SC deed stamps = $1.85 per $500 or fraction thereof.

PURCHASE INFORMATION

Property Address

Purchase Price

Loan Type

Down Payment (%)

Loan Amount (auto)

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Interest Rate (%)

BUYER CLOSING COSTS

SC Deed Stamps — Buyer Share (auto)

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Lender Origination Fee (est. 1%)

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Appraisal Fee

Title Search / Exam

Title Insurance (Lender)

Attorney / Closing Fee

Recording Fees

Prepaid Interest (15 days est.)

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Homeowners Insurance (1 yr prepaid)

Property Tax Escrow (3 months)

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HOA Dues (if applicable — prorated)

Home Inspection

FHA MIP / VA Funding Fee (if applicable)

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Total Est. Closing Costs

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ESTIMATED TOTAL CASH TO CLOSE—

Purchase Price

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Down Payment

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Loan Amount

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Est. Closing Costs

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Est. Monthly Payment

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Cash to Close

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Estimates only. Consult lender for Loan Estimate (LE). Monthly payment includes P&I only — taxes, insurance and HOA additional.

PROPERTY & FINANCING

Property Address

Purchase Price

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Est. Closing Costs

RENTAL INCOME

Gross Monthly Rent

Vacancy Rate (%)

Effective Gross Monthly Income

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Annual Gross Rental Income

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MONTHLY OPERATING EXPENSES

Property Tax (monthly)

Insurance (monthly)

HOA Dues (monthly)

Property Management Fee (%)

Maintenance Reserve (monthly)

Other Expenses (monthly)

Monthly Mortgage Payment (P&I)—

Total Monthly Operating Expenses—

Monthly Net Cash Flow—

ANNUAL NET OPERATING INCOME (NOI)—

Cap Rate

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NOI ÷ Purchase Price

Cash-on-Cash Return

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Annual Cash Flow ÷ Total Cash Invested

Gross Rent Multiplier

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Price ÷ Annual Gross Rent

Monthly Cash Flow

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After all expenses & mortgage

Total Cash Required

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Down payment + closing costs

Projections only. Actual returns depend on market conditions, occupancy, and management. Consult CPA for tax implications.

① OWNER & PROPERTY INFORMATION

Owner Name(s)

Property Address / Unit

Building / Complex Name

Est. Current Market Value

Year Purchased

Purchase Price

② MORTGAGE & FINANCING

Current Monthly P&I Payment

Remaining Loan Balance

Interest Rate (%)

2nd Mortgage / HELOC Balance

③ HOA, INSURANCE & TAXES (Monthly)

Current Monthly HOA Dues

HOA Dues 12 Months Ago

HO-6 Insurance (monthly)

Property Taxes (monthly)

Pending Special Assessment (total $)

Assessment Spread Over # Months

④ STR OPERATING COSTS (Monthly)

Platform Fees — Airbnb/VRBO (monthly $)

Utilities — Electric / Water / Internet

Cleaning & Turnover (monthly total)

Consumables — Linens, Toiletries, Supplies

Property Management Fee (monthly $)

Maintenance Reserve (monthly)

⑤ RENTAL REVENUE (Actual — Not Projected)

Avg Gross Monthly Revenue (last 12 mo)

Avg Occupancy Rate (%)

Avg Nightly Rate — Currently

Avg Nightly Rate — When Purchased

Months Blocked for Personal Use / yr

Est. Revenue Lost to Personal Use (mo avg)

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⑥ SELLING COSTS (if sold now)

Listing Agent Commission (%)

Buyer Agent Commission (%)

SC Deed Stamps (auto)

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Attorney / Closing Fee

Seller Concessions / Credits

Other Selling Costs

⑦ HOLD vs. SELL ANALYSIS — Projection Period

Hold Period to Analyze (months)

Additional Value Decline Risk (monthly est.)

COLDWELL BANKER SEA COAST ADVANTAGE · STR Condo Hold vs. Sell Analysis — Results ·

Monthly Burn Rate

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Cost minus revenue

Cost to Hold (total)

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over 12 months

Est. Net from Selling

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After all selling costs

Nightly Rate Change

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Since purchase

HOA Dues Increase

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Year over year

These figures are estimates only based on inputs provided. Consult closing attorney for actual selling costs, and CPA for capital gains, depreciation recapture and 1031 exchange implications before making any decision.