Rich Eye Calculation formula list

■ Property registration screen > If there is a registration of expected income at full occupancy
Registered estimated income at full occupancy × (1 - rate of decrease in rent)

■ Property registration screen > If no occupied rent is registered
AI-assessed full occupancy expected income × (1 – rent decline rate)

■ Property registration screen > If there is an input of rent decline rate
Apply the rent decrease rate you input to the calculation

■ Property registration screen > If no occupied rent is entered
Apply the rent decline rate of the AI ​​assessment to the calculation

Other income registered on the property registration screen is reflected in the cash flow table as it is

■ Property registration screen > When vacancy rate is entered
Apply the input vacancy rate to the calculation

■ Property registration screen > If no vacancy rate is entered
Apply AI assessment vacancy rate to calculation

(Expected full occupancy income + other income) - (1 - vacancy rate)

The operating expenses registered on the property registration screen are reflected in the cash flow table as they are.

Based on the Ministry of Land, Infrastructure, Transport and Tourism-published Guidebook for Planned Repairs, approximate values ​​are calculated based on the frequency of repairs every 15 years according to the age of the building and the number of units.

If you have registered the repair history from the property registration screen, the repair frequency will be presented in consideration of the previous year of repair (every 15 years).

For details, Please check here.

Reflect the repayment amount according to the loan conditions registered on the property registration screen in the cash flow table

Calculated using the equal principal and interest method.

Effective income - (operating expenses + major repairs + loan repayments)

* Investment income = income gain is expressed as operational CF in Rich AI.

Cumulative amount of operating CF up to the relevant year

Example: When referring to the 3rd year Cumulative operating CF = 1st year operating CF + 2nd year operating CF + 3rd year operating CF

AI-assessed sales price − Sales expenses

* Profit on sale = capital gain is expressed as CF on sale in Rich AI.

AI appraisal Sales appraisal price calculated by AI based on property data of over 2 million properties.Assessed using the return method.
* In collaboration with “Gate.” provided by Leeways Co., Ltd., we assess and calculate the sales price based on the yield, vacancy rate, and predicted rent calculated by AI based on the real estate data of over 2 million properties. increase.

AI assessed sales price × 0.05 * Calculated as 5% of the sales price

LTV = Loan balance ÷ AI appraisal sales price LTV (Loan To Value: Borrowing ratio)
The ratio of the borrowed amount to the property price.There is also a way to say financing.In general, LTV at the time of property purchase is considered to be 60 to 80% as a guideline.

DSCR = Effective income ÷ Annual loan repayment amount DSCR (Debt Service Coverage Ratio)
The ratio of NOI (net operating income) to ADS (annual interest and principal repayments). The higher the DSCR, the more certainty of loan repayment and the lower the probability of default.Generally, 1.2 to 1.3 or more is considered as a guideline.

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