@L|}6CD l0C)HCC WhL/h `CmCDiD`  R@W1  Y0@R !L` D  C D     )16CS S)  C)D1 p p 0 C9DI pCDL~CiCDiD`@uAA COST OF OWNINGNKLEEEEELEEECLEELEEECLCLEEEELEEELCCCCCLCCLCCCCCLCCLCCCCCLCCLCCCC}CLCCLCCCCCLCCQ|BBBBBBBoJp44ppppp}JJA$$W}$$ (1:CLNKLDDDDDLDPNALPPLDPNALDLPPPPLPPPLDDDDDLDD}LDDDDDLDDLDDDDDLDDLDDDDDLDDLDDDDDLDD Š1 PRICE 2 CLOSING COSTS 3 ANNUAL TAX}ES 4 ANNUAL INSURANCE 5 ANNUAL MAINTENANCE ԠŠ 6 AMOUNT 7 INTEREST RATE % } 8 NUMBER OF YEARS 9 monthly payment ƠŠŠ10 INCREASE/YEAR % 11 MAXIMUM RATE % } ĠŠ 12 AMOUNT 13 INTEREST RATE % 14 NUMBER OF YEARS 15 monthly payment }ΠԠ 16 required payment ȠӠ17 APPRECIATION/YEAR % 18 TAXES/YEAR % 19 INSURA }NCE/YEAR % 20 MAINTENANCE/YEAR % ҠΠ 21 TAX BRACKET % 22 ALTERNATIVE YIELD % 23 COST OF SAL }E % ԠҠ 24 monthly payment 25 annual payment 26 annual tax savings27 annual net cos}t 28 annual lost income ƠĠԠҠ 29 avg monthly cost 30 avg annual cost ĠҠ 3}1 monthly payment 32 annual payment 33 annual tax savings34 annual net cost 35 annual lost income }ĠԠҠ 36 avg monthly cost 37 avg annual cost ĠҠ 38 monthly payment 39 annua}l payment 40 annual tax savings41 annual net cost 42 annual lost income ƠĠԠҠ 43 avg monthl}y cost 44 avg annual cost ȠҠ 45 monthly payment 46 annual payment 47 annual tax savi}ngs48 annual net cost 49 annual lost income ƠĠԠҠ 50 avg monthly cost 51 avg annual cost } ȠҠ 52 monthly payment 53 annual payment 54 annual tax savings55 annual net cost 56 a}nnual lost income ƠĠԠҠ 57 avg monthly cost 58 avg annual cost Purchase priceLoan fees, title searc}h, title insurance, termite inspection, etc.Property taxes, based on assessed valuationAnnual premium, coverage should be at }least 80% of replacement costPainting, plumbing and other maintenanceUsually 25 to 30 yearsUsually 5 to 10 yearsPurchase pric}e plus closing costs less mortgagesMarginal tax rate, combined Federal and stateYield that down payment would receive if inve}stedBroker's commission is generally 6%Total of mortgage payments, taxes, insurance and maintenanceMonthly payment times 12Mo}rtgage interest and property taxes are deductibleAnnual payment less annual tax savingsIncome lost due to down payment not be}ing invested at alternate yieldAvg. over period being analyzed, including proceeds from sale and loss of income from down pay}mentAverage monthly cost times 12Total of mortgage payments, taxes, insurance and maintenanceMortgage interest and property t}axes are deductibleAnnual payment less annual tax savingsIncome lost due to down payment not being invested at alternate yiel}dAvg. over period being analyzed, including proceeds from sale and loss of income from down paymentTotal of mortgage payments}, taxes, insurance and maintenanceMortgage interest and property taxes are deductibleAnnual payment less annual tax savingsIn }come lost due to down payment not being invested at alternate yieldAvg. over period being analyzed, including proceeds from s!}ale and loss of income from down paymentTotal of mortgage payments, taxes, insurance and maintenanceMortgage interest and pro"}perty taxes are deductibleAnnual payment less annual tax savingsIncome lost due to down payment not being invested at alterna#}te yieldAvg. over period being analyzed, including proceeds from sale and loss of income from down paymentTotal of mortgage p$}ayments, taxes, insurance and maintenanceMortgage interest and property taxes are deductibleAnnual payment less annual tax sa%}vingsIncome lost due to down payment not being invested at alternate yieldAvg. over period being analyzed, including proceeds&} from sale and loss of income from down paymentNKLEEEEELEEECLEELEEECLCLEEEELEEELCCCCCLCCLCCCCCLCCLCCCCCLCCLCCCC/@xArAq RENT OR BUYNNLEELEEEEELEEEELEEELEEECLEELEEECLCLCCCCLCCCLCCCCLCCCLCCCCLCCCLC(}CCCLCCCLCCCCLCCCQ{Dxxxx ,NNp9Y{{-)}--f,ZZZY$  "+4=FONNLDPLDDDDDLPPPPLPPPLDPNALPPLDPNALDLDDDDL*}DDDLDDDDLDDDLDDDDLDDDLDDDDLDDDLDDDDLDDD ̠Π1 MONTHLY RENT 2 INCREASE/YEAR % Š+}3 PRICE 4 CLOSING COSTS 5 ANNUAL TAXES 6 ANNUAL INSURANCE 7 ANNUAL EXPENSES,} ȠӠ8 APPRECIATION/YEAR % 9 TAXES/YEAR % 10 INSURANCE/YEAR % 11 EXPENSES/YEAR % -} ҠΠ 12 TAX BRACKET % 13 ALTERNATIVE YIELD % 14 COST OF SALE % ԠŠ 15 A.}MOUNT 16 INTEREST RATE % 17 NUMBER OF YEARS 18 monthly payment ƠŠŠ19 INCREA/}SE/YEAR % 20 MAXIMUM RATE % ĠŠ 21 AMOUNT 22 INTEREST RATE % 23 NUMBER OF Y0}EARS 24 monthly payment ΠԠ 25 required payment ԠҠ 26 monthly rent 1} 27 monthly payment 28 monthly net cost 29 buying advantage ƠĠԠҠ 30 avg monthly rent 32}1 avg monthly cost 32 buying advantage ĠҠ 33 monthly rent 34 monthly payment 35 3}monthly net cost 36 buying advantage ƠĠԠҠ 37 avg monthly rent 38 avg monthly cost 39 buyin4}g advantage ĠҠ 40 monthly rent 41 monthly payment 42 monthly net cost 43 buying adv5}antage ƠĠԠҠ 44 avg monthly rent 45 avg monthly cost 46 buying advantage ȠҠ 6} 47 monthly rent 48 monthly payment 49 monthly net cost 50 buying advantage ƠĠԠҠ 517} avg monthly rent 52 avg monthly cost 53 buying advantage ȠҠ 54 monthly rent 55 m8}onthly payment 56 monthly net cost 57 buying advantage ƠĠԠҠ 58 avg monthly rent 59 avg mo9}nthly cost 60 buying advantage Purchase priceLoan fees, title search, title insurance, termite inspection, etc.Property :}taxes based on assessed valuationAnnual premium, coverage should be at least 80% of replacement costPainting, plumbing and ot;}her maintenanceMarginal tax rate, Federal and state combinedYield that down payment would receive if investedBroker's commiss<}ion is generally 6% of selling priceUsually 25 to 30 yearsUsually 5 to 10 yearsPurchase price plus closing costs less mortgag=}esTotal of mortgage payments, taxes, insurance and expensesMonthly payment less tax savingsMonthly rent less monthly net cost>}Average over period being analyzedAvg. over period being analyzed, including proceeds from sale and loss of income from down ?}paymentAverage monthly rent less average monthly costTotal of mortgage payments, taxes, insurance and expensesMonthly payment@} less tax savingsMonthly rent less monthly net costAverage over period being analyzedAvg. over period being analyzed, includiA}ng proceeds from sale and loss of income from down paymentAverage monthly rent less average monthly costTotal of mortgage payB}ments, taxes, insurance and expensesMonthly payment less tax savingsMonthly rent less monthly net costAverage over period beiC}ng analyzedAvg. over period being analyzed, including proceeds from sale and loss of income from down paymentAverage monthly D}rent less average monthly costTotal of mortgage payments, taxes, insurance and expensesMonthly payment less tax savingsMonthlE}y rent less monthly net costAverage over period being analyzedAvg. over period being analyzed, including proceeds from sale aF}nd loss of income from down paymentAverage monthly rent less average monthly costTotal of mortgage payments, taxes, insuranceG} and expensesMonthly payment less tax savingsMonthly rent less monthly net costAverage over period being analyzedAvg. over peH}riod being analyzed, including proceeds from sale and loss of income from down paymentAverage monthly rent less average month}@vA$Ay INVESTMENT PROPERTYNLLEEEEELEEEELEELEEECLEELEEECLCLLECLECLCCCLCCCLCCCLCCCLCCCLCCCLCJ}CCLCCCLCCCLCCCQu4444JJJJJJJJ___A5llK}KK**yyyy  X %-5=EMNLLDDDDDLPPPPLPPLDPNALPPLDPNALDLLDDLDDLDDL}PLDDPLDDPLDDPLDDPLDDPLDDPLDDPLDDPLDDP Š1 PRICE 2 CLOSING COSTS 3 ANNUAL INCM}OME 4 ANNUAL TAXES 5 ANNUAL EXPENSES ȠӠ6 APPRECIATION/YEAR % 7 INCOME/YEAR % N} 8 TAXES/YEAR % 9 EXPENSES/YEAR % ҠΠ 10 TAX BRACKET % 11 COST OF SALE % O} ԠŠ 12 AMOUNT 13 INTEREST RATE % 14 NUMBER OF YEARS 15 monthly payment P}ƠŠŠ16 INCREASE/YEAR % 17 MAXIMUM RATE % ĠŠ 18 AMOUNT 19 INTEREQ}ST RATE % 20 NUMBER OF YEARS 21 monthly payment ΠԠ 22 required payment R}Π ӠҠ 23 AMOUNT 24 first year ӠҠ 25 AMOUNT S} 26 first year ԠҠ 27 cash flow - bt 28 cash flow - at 29 yield % T} ƠĠԠҠ 30 proceeds - bt 31 proceeds - at 32 rate of return % ĠҠ 33 U}cash flow - bt 34 cash flow - at 35 yield % ƠĠԠҠ 36 proceeds - bt 37 proceV}eds - at 38 rate of return % ĠҠ 39 cash flow - bt 40 cash flow - at 41 yield % W} ƠĠԠҠ 42 proceeds - bt 43 proceeds - at 44 rate of return % ȠҠ X} 45 cash flow - bt 46 cash flow - at 47 yield % ƠĠԠҠ 48 proceeds - bt 49Y} proceeds - at 50 rate of return % ȠҠ 51 cash flow - bt 52 cash flow - at 53 yZ}ield % ƠĠԠҠ 54 proceeds - bt 55 proceeds - at 56 rate of return % Purchase pri[}ceLoan fees, title search, title insurance, termite inspection, etc.9% of market value is fairly typicalProperty taxes, based\} on assessed valuationInsurance, painting, plumbing and other maintenanceMarginal tax rate, Federal and state combinedBroker']}s commission is generally 6% of selling priceUsually 25 to 30 yearsUsually 5 to 10 yearsPurchase price plus closing costs les^}s mortgagesOnly the building, not the land, may be depreciatedAppliances, carpets, furniture, etc.Cash flow before tax, cash _}flow is rental income less mortgage payments, taxes and expensesAfter tax, taxable income is rental income less mortgage inte`}rest, taxes, expenses, and depreciationAfter tax, taxable income as a percentage of the down paymentProceeds before tax - casa}h received from sale of property, after repaying mortgagesThe net cash received after paying the taxes due on the sale of theb} depreciated propertyThe internal rate of return on the annual cash flows and the proceeds upon saleAfter tax, taxable incomec} as a percentage of the down paymentProceeds before tax - cash received from sale of property, after repaying mortgagesThe ind}ternal rate of return on the annual cash flows and the proceeds upon saleAfter tax, taxable income as a percentage of the dowe}n paymentProceeds before tax - cash received from sale of property, after repaying mortgagesThe internal rate of return on thf}e annual cash flows and the proceeds upon saleAfter tax, taxable income as a percentage of the down paymentProceeds before tag}x - cash received from sale of property, after repaying mortgagesThe internal rate of return on the annual cash flows and theh} proceeds upon saleAfter tax, taxable income as a percentage of the down paymentProceeds before tax - cash received from salei} of property, after repaying mortgagesThe internal rate of return on the annual cash flows and the proceeds upon saleCCLCCCLCu@A2 ACRS 3-YEAR PROPERTYNLELECCLCCCCCLCCCCC k}& l} NLALNAALAAAAALAAAAA m} Π 1 PRESENT VALUE Π 2 YEAR n} 3 depreciation 4 balance Π 5 year 1 6 year 2 o} 7 year 3 8 year 4 9 year 5 Š 10 year 1 p}11 year 2 12 year 3 13 year 4 14 year 5 `@A2 ACRS 5-YEAR PROPERTYNLELECCLCCCCCLCCCCCr}&s} NLALNAALAAAAALAAAAAt} Π 1 PRESENT VALUE Π 2 YEAR u} 3 depreciation 4 balance Π 5 year 1 6 year 2 v} 7 year 3 8 year 4 9 year 5 Š 10 year 1 w}11 year 2 12 year 3 13 year 4 14 year 5 `@0A ACRS 10-YEAR PROPERTYNLELECCLCCCCCLCCCCCLCCCCCLCCCCCy}>z} NLALNAALAAAAALAAAAALAAAAALAAAAA{} Π 1 PRESENT VALUE Π 2 YEAR |} 3 depreciation 4 balance Π 5 year 1 6 year 2 }} 7 year 3 8 year 4 9 year 5 Π 10 year 6 ~}11 year 7 12 year 8 13 year 9 14 year 10 Š 15 } year 1 16 year 2 17 year 3 18 year 4 19 year 5 }Š 20 year 6 21 year 7 22 year 8 23 year 9 24 year 10 }  ACRS 10-YEAR PROPERTYNLELECCLCCCCCLCCCCCLCCCCCLCCCCC @BA ACRS 15-YEAR PROPERTYN*LELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC}V} %+N*LALNAALAAAAALAAAAALAAAAALAAAAALAAAAALAA}AAA Π 1 PRESENT VALUE Π 2 YEAR } 3 depreciation 4 balance Π 5 year 1 6 year 2 } 7 year 3 8 year 4 9 year 5 Π 10 year 6 }11 year 7 12 year 8 13 year 9 14 year 10 Π 15 } year 11 16 year 12 17 year 13 18 year 14 19 year 15 }Š 20 year 1 21 year 2 22 year 3 23 year 4 24 year 5 } Š 25 year 6 26 year 7 27 year 8 28 year 9 } 29 year 10 Š 30 year 11 31 year 12 32 year 13 3}3 year 14 34 year 15 N*LELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC/@UA ACRS 15-YEAR LOW INCOMEN7LEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC}p}  &,28N7LANLNAALAAAAALAAAAALAAAAALAAAAALAAAAALA}AAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 MONTHS OF FIRST YEAR }Π 3 YEAR 4 depreciation 5 balance Π 6 year 1 } 7 year 2 8 year 3 9 year 4 10 year 5 Π }11 year 6 12 year 7 13 year 8 14 year 9 15 year 10 }Π 16 year 11 17 year 12 18 year 13 19 year 14 20 year} 15 Π 21 year 16 22 year 17 23 year 18 24 year 19 } 25 year 20 Š 26 year 1 27 year 2 28 year 3 } 29 year 4 30 year 5 Š 31 year 6 32 year 7 3}3 year 8 34 year 9 35 year 10 Š 36 year 11 37 }year 12 38 year 13 39 year 14 40 year 15 Š 41 year }16 42 year 17 43 year 18 44 year 19 45 year 20 CCCLCCCCCm@UA ACRS 15-YR REAL PROP.N7LEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC }p }  &,28N7LANLNAALAAAAALAAAAALAAAAALAAAAALAAAAALA }AAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 MONTHS OF FIRST YEAR }Π 3 YEAR 4 depreciation 5 balance Π 6 year 1 } 7 year 2 8 year 3 9 year 4 10 year 5 Π }11 year 6 12 year 7 13 year 8 14 year 9 15 year 10 }Π 16 year 11 17 year 12 18 year 13 19 year 14 20 year } 15 Π 21 year 16 22 year 17 23 year 18 24 year 19 } 25 year 20 Š 26 year 1 27 year 2 28 year 3 } 29 year 4 30 year 5 Š 31 year 6 32 year 7 3 }3 year 8 34 year 9 35 year 10 Š 36 year 11 37 }year 12 38 year 13 39 year 14 40 year 15 Š 41 year }16 42 year 17 43 year 18 44 year 19 45 year 20 CCCLCCCCC m@WAh STRAIGHT-LINEN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC$}t$}  "(.4:N9LAANNLNAALAAAAALAAAAALAAAAALAAAAALAAAAA$}LAAAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 SALVAGE VALUE 3 YEARS OF L$}IFE 4 MONTHS OF FIRST YEAR Π 5 YEAR 6 depreciation 7 balance $} Π 8 year 1 9 year 2 10 year 3 11 year 4 $}12 year 5 Π 13 year 6 14 year 7 15 year 8 16 $} year 9 17 year 10 Π 18 year 11 19 year 12 20 year$} 13 21 year 14 22 year 15 Π 23 year 16 24 year 17 $} 25 year 18 26 year 19 27 year 20 Š 28 year 1 $} 29 year 2 30 year 3 31 year 4 32 year 5 Š 3$}3 year 6 34 year 7 35 year 8 36 year 9 37 year 10 $}Š 38 year 11 39 year 12 40 year 13 41 year 14 42 year $}15 Š 43 year 16 44 year 17 45 year 18 46 year 19 $} 47 year 20 HT-LINEN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC$ @WAh DECLINING BALANCEN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC(}t(}  "(.4:N9LANPNLNAALAAAAALAAAAALAAAAALAAAAALAAAAA(}LAAAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 YEARS OF LIFE 3 DECL BAL F(}ACTOR % 4 MONTHS OF FIRST YEAR Π 5 YEAR 6 depreciation 7 balance (} Π 8 year 1 9 year 2 10 year 3 11 year 4 (}12 year 5 Π 13 year 6 14 year 7 15 year 8 16 (} year 9 17 year 10 Π 18 year 11 19 year 12 20 year(} 13 21 year 14 22 year 15 Π 23 year 16 24 year 17 (} 25 year 18 26 year 19 27 year 20 Š 28 year 1 (} 29 year 2 30 year 3 31 year 4 32 year 5 Š 3(}3 year 6 34 year 7 35 year 8 36 year 9 37 year 10 (}Š 38 year 11 39 year 12 40 year 13 41 year 14 42 year (}15 Š 43 year 16 44 year 17 45 year 18 46 year 19 (} 47 year 20 ING BALANCEN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC( @WAh SUM OF YEARS DIGITSN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC,}t,}  "(.4:N9LAANNLNAALAAAAALAAAAALAAAAALAAAAALAAAAA,}LAAAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 SALVAGE VALUE 3 YEARS OF L,}IFE 4 MONTHS OF FIRST YEAR Π 5 YEAR 6 depreciation 7 balance ,} Π 8 year 1 9 year 2 10 year 3 11 year 4 ,}12 year 5 Π 13 year 6 14 year 7 15 year 8 16 ,} year 9 17 year 10 Π 18 year 11 19 year 12 20 year,} 13 21 year 14 22 year 15 Π 23 year 16 24 year 17 ,} 25 year 18 26 year 19 27 year 20 Š 28 year 1 ,} 29 year 2 30 year 3 31 year 4 32 year 5 Š 3,}3 year 6 34 year 7 35 year 8 36 year 9 37 year 10 ,}Š 38 year 11 39 year 12 40 year 13 41 year 14 42 year ,}15 Š 43 year 16 44 year 17 45 year 18 46 year 19 ,} 47 year 20 YEARS DIGITSN9LEEEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC, @1AD SINGLE PAYMENTNLEELECCLCCCCCLCCCCCLCCCCCLCCCCC0}@0} NLAPLNAALAAAAALAAAAALAAAAALAAAAA0} Π 1 SINGLE PAYMENT 2 INTEREST RATE % 0}Π 3 YEAR 4 interest 5 balance Ԡ 6 year 1 0} 7 year 2 8 year 3 9 year 4 10 year 5 Ԡ 0}11 year 6 12 year 7 13 year 8 14 year 9 15 year 10 0}Š 16 year 1 17 year 2 18 year 3 19 year 4 20 year0} 5 Š 21 year 6 22 year 7 23 year 8 24 year 9 0} 25 year 10 PAYMENTNLEELECCLCCCCCLCCCCCLCCCCCLCCCCC0!@3A PERIODIC PAYMENTN!LEEECLECCLCCCCCLCCCCCLCCCCCLCCCCC4}D4} "N!LANPALNAALAAAAALAAAAALAAAAALAAAAA4} Π 1 PERIODIC PAYMENT 2 PAYMENTS/YEAR 3 INTEREST R4}ATE % 4 annual payment Π 5 YEAR 6 interest 7 balance 4} Ԡ 8 year 1 9 year 2 10 year 3 11 year 4 4}12 year 5 Ԡ 13 year 6 14 year 7 15 year 8 16 4} year 9 17 year 10 Š 18 year 1 19 year 2 20 year4} 3 21 year 4 22 year 5 Š 23 year 6 24 year 7 4} 25 year 8 26 year 9 27 year 10 CCCLCCCCCLCCCCC4Q@aAd MORTGAGE (STANDARD)N=LEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC8}|8}  &,28>N=LAPNNAALNAAAALAAAAALAAAAALAAAAALAAAAALA8}AAAALAAAAALAAAAALAAAAA Π 1 AMOUNT 2 INTEREST RATE % 3 NUMBER OF 8}YEARS 4 PAYMENTS/YEAR 5 periodic payment 6 annual payment Π 7 YEAR 8} 8 payment 9 interest 10 principal 11 balance Ԡ 8}12 year 1 13 year 2 14 year 3 15 year 4 16 year 5 8}Ԡ 17 year 6 18 year 7 19 year 8 20 year 9 21 year8} 10 Ԡ 22 year 1 23 year 2 24 year 3 25 year 4 8} 26 year 5 Ԡ 27 year 6 28 year 7 29 year 8 8} 30 year 9 31 year 10 ̠ 32 year 1 33 year 2 38}4 year 3 35 year 4 36 year 5 ̠ 37 year 6 38 8}year 7 39 year 8 40 year 9 41 year 10 Š 42 year 8} 1 43 year 2 44 year 3 45 year 4 46 year 5 Š 8} 47 year 6 48 year 7 49 year 8 50 year 9 51 year 10 8} Ad MORTGAGE (STANDARD)N=LEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC8@bA MORTGAGE WITH BALLOONN>LEEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC<}~<}  !'-39?N>LAPNNAAALNAAAALAAAAALAAAAALAAAAALAAAAAL<}AAAAALAAAAALAAAAALAAAAA Π 1 AMOUNT 2 INTEREST RATE % 3 NUMBER OF <}YEARS 4 PAYMENTS/YEAR 5 BALLOON PAYMENT 6 periodic payment 7 annual payment Π =} 8 YEAR 9 payment 10 interest 11 principal 12 balance =} Ԡ 13 year 1 14 year 2 15 year 3 16 year 4 17 =} year 5 Ԡ 18 year 6 19 year 7 20 year 8 21 year=} 9 22 year 10 Ԡ 23 year 1 24 year 2 25 year 3 =} 26 year 4 27 year 5 Ԡ 28 year 6 29 year 7 =} 30 year 8 31 year 9 32 year 10 ̠ 33 year 1 3=}4 year 2 35 year 3 36 year 4 37 year 5 ̠ 38 =}year 6 39 year 7 40 year 8 41 year 9 42 year 10 =}Š 43 year 1 44 year 2 45 year 3 46 year 4 47 year 5 = } Š 48 year 6 49 year 7 50 year 8 51 year 9 = } 52 year 10 ORTGAGE WITH BALLOONN>LEEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCC<@cA ADJUSTABLE RATE MORTGAGEN?LEEEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCA }CA }  "(.4:@N?LAPNPPPAALNAAAALAAAAALAAAAALAAAAALAAAAAA}LAAAAALAAAAALAAAAALAAAAA Π 1 AMOUNT 2 INTEREST RATE % 3 NUMBER OF A}YEARS 4 INCREASE/YEAR % 5 MAXIMUM RATE % 6 MINUMUM RATE % 7 monthly payment 8 annual paymenA}t Π 9 YEAR 10 payment 11 interest 12 principal A}13 balance Ԡ 14 year 1 15 year 2 16 year 3 17 A} year 4 18 year 5 Ԡ 19 year 6 20 year 7 21 yearA} 8 22 year 9 23 year 10 Ԡ 24 year 1 25 year 2 A} 26 year 3 27 year 4 28 year 5 Ԡ 29 year 6 A} 30 year 7 31 year 8 32 year 9 33 year 10 ̠ 3A}4 year 1 35 year 2 36 year 3 37 year 4 38 year 5 A}̠ 39 year 6 40 year 7 41 year 8 42 year 9 43 year A}10 Š 44 year 1 45 year 2 46 year 3 47 year 4 A} 48 year 5 Š 49 year 6 50 year 7 51 year 8 A} 52 year 9 53 year 10 N?LEEEEEECCLECCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCC@367 T)TEZZ75Z10DFLXYZCQZ1ZBLLZZ1PPPSSDZ2ITSAPFFTANZ3DSTAPISJNPLZPSZ395Z1E}Z2BDPSZZ2Z1DLLDSZ1DAAPPSTRDZCZ2CTLPTT1T2T3T4T5T6QZ1FLSLFZ1Z1ZZZ1Z1Z2Z2Z4LIPE}UNDLFPFOPNPLLNTEXTNXBLNPRLLNRZEFCQJJLQALOLTMTE}@@ @E}@ !"#$%E }&'()*+,-./01234E!}56789:;<=>?@ABCDE"}EF@GH@I@J@K@L@M@NOPQRSTE#}UVWXYZ[\]^_@`a@b@cE$}defghijklmnop@qrs@%E%}tuvw@xyz{|JJGET RICH:REAL ESTATE, COPYRIGHT 1985 BY HARRYE&} KOONS AND HENRY HILTOND:FORMA RE:H 8/20/85fSA(!6--6-A96-@E6-ARQ6-AE'}c@@fV 6-F:A, AyZ6-F:A,6-@( Ar46-@> ArZGOSUB E(}6350:PRINTER STRING A (INTERNAL RATE OF RETURN*J 6-6--6'6-$%8,66-$%8,$: @E)}J6-$', 6-& O:,!$$@B.$26-F:A, Ar: ArP<MORTGAGE CALULATION>:E*}8@,"068@,-8@,: @h@E8@,";68@,-8@,'8@,E @hBSSE+}68@,-8@,$8@,'+@&+@%8@,,#+68@,,,D$F AMORTIZATION CALCULATIONHM8E,}@,"C68@,-8@,&8@,$@M @vJhh68@,-+8@,&+8@,&8@,$8@E-},,$+@%8@,,#@,'8@,L<968@,-8@,$@&8@,%8@,<$PMORTGAGE CAE.}LULATIONR38@,"068@,-8@,3$T>8@,";68@,-8@,'8@,>$VE/}VS68@,-8@,$8@,'+@&+@%8@,,#+68@,,,V$Z AMORTIZATION CALCULATION\M8@E0},"C68@,-8@,&8@,$@M @^hh68@,-+8@,&+8@,&8@,$8@E1},,$+@%8@,,#@,'8@,`<968@,-8@,$@&8@,%8@,<$dOAdAUE2}'A@d,:K:A)FO6.>:,n""[ }<<,Ax$ --%(E3} $ PR LN 6- --( )-8,8%,&)6-+&,$@$%$ -(7<%, E4} $ AP 6-%  -$("$,PR VAL61 6--8,8%,&% AP-6-%1 T$^ E5} PR FTh#6.7<,#7<,4LAm,4A)4P"6. ---,---.##, Ar' 4D6. ---,---,---' AE6}|#4Y)4N#6. ------------@9&B:, U8,$X K:b -%g j!!"@()"@)E7}Al"*"A&Aq))"%*+A&*AU,A{")"@1A7"A&6E8}-& ( -67<,. 7 A!"AU6-%! AU (>:,67<,.>:,  A1#6-%E9}+"@1* ,&+"*!,1"A (>:,6- A$ U"8,A@5 6-&6-&-E:}$+%,%( --$5($L DV"8%,&A@`5 6-%6-%-$+&,%( --$5(tE;}$ F"A@$ 6-%6-8,6-$ A$ R"A@($ 6-&6-8,6-$ E<}A<$x Ey 6-6.ENTER Az 6-6. PLUS A{ 6-66.MINUS}: A9P-@E=}@"# :8,"EA`76.7<,74L)4C)4D)8,"EA`6.7<,4D)4AE>}6.$ 4P6.%4N)4Y6.#V -@'$&( ,:-@($?(F6.L6E?}-V A -@($( 4AP1 A@6-A:, 1O:,!C A@Q A@E@}!C68,-8,$+ ,%+8,$,$+",%+8,',$+",G Q AP%%68,-8,$+,%$+,&$+ ,  AP EA}A A9$l Hq {c6-+&,$%56-@:7<,,%AV$@:7%<%,,=6-%c6-@:7<,,%AV$EB}@:7%<%,,&|P "%-0(No additional information.4EF( Press RETURN.P A`~6.7<,6-6-EC}6-%@6 B:,6-B:, A@"7<,0 6-&" A5 -%(7<,6-%  B:,6-ED}% A% A A9$CASE NUMBER 6- AH*-@@*( - Scenario A*EE}-@@ *(  - Scenario B*-@@*(à - Scenario C*-@@*(Ġ - Scenario D EF})-@@)(͠ - Main MenuB -@@!3(ҠΠ?= AB(#6-[ABCDM<<,EG}#"A p "A3P* 6-6.>:@d%,4 "6- Au># ArP6-6-# A0H AEH} ( LN2 R  -,( ҠŠ?36.96-C AR4A&A ( -(-((EI} P ,6-8%,&-,6-+&,$@$%i 547<%B:,&,6-% A)/ A56-n   A9EJ} $ NEW A9P a-@@!)-@@96-@:7Y<,,] >:%A(,-COPY >:, EK} a  .-@@#.(-ZERO -MENU + 6-[7Y,<<,+"A( "@A(P PEL}"@6-@)-@868,-< F AP A(P K6.7Y<, ArP&6-0 AH: EM}AK6.>:@d%,"  A9$T PG^ -%h +  8,6-&#6-&8&,%+6-%r  | $ EN}MAIN +  6-B:,&! A)+ AH& ! A9 AP! Av   6-[FRUDE+-CLHQPN<<, EO}"A1 AAAAAAAAiA&AA3AhA(AEP}A "A2  @6- A1 $ Q " Ai   As EQ}$  6- At . (}- ( LOADING MENU+%D:MENU.< COMMANDA A9@F,, $-ENTER -CALC -LINE ER} -QUIT K,, $-UP -DOWN -FORWARD -REVERSEP-- $ -HELP -PRINT -NEW U,"!-@ES}@!, íZ$d   -(6- $n# --(  6-#$ TL6.$$$ -ET}-6. - [>:@d%,]6. $$$% (}-+@8&B:,,'"(%($ MATH"EU} AP"@ AQ"@ AS"@ AV$FORM1, COST OF BUYING[EV}68@,-P:8@,,F8@,*8@, @[68@,-@[68@,-P:8@,,F8@EW},*8@, @[68@,-@<68@!,-8@,%8@,&8@,&8@,\68@,EX}-8@(,'A|68@,-@&8@,68@,-8@,$?@p"6-@%8@$,'A:68@EY},-8@,N-@@d68,-8&@,$h pTAXESt"6-@%8@%,'A:68@,-8@EZ},N-@@d68,-8&@,$h tINSURANCE v"6-@%8@&,'A:68@,-8@,N-E[}@@d68,-8&@,$h vMAINTENANCE"6-@%8@#,'AY68@,-8@,$+@&8E\}@0,'A,$m-@@68,-8&@,$ NET SELLING PRICE%6-8@,$8@),'A=6E]}8@,-8@!,Q-@@g68,-8%@,$68%@,-8%@,%8, LOST INCOME(68@E^},-8@,;68@,-8@ ,'A[68@,-8@,$@{68@,-8@,'A68@,-E_}8@,'A)O-@@#"@- @`E68@,-8@,O AQd*]8@,8@ ,E`}368@,-8@ ,S68@,-8@,&@] @`,%68@ %,-8@,$@/ @pI68@%Ea},-8@,c68@%,-8@,{68@,-8@,68@ ,-8@,%8@,-`068@ ,-8@ ,Eb}$+8@ ,!,H8@ ,!8@,`68@ ,-8@,. 6-O:8@,,% @;-%@@Ec}R68@%,-i68@%,-68@ %,- FIRST MORTG.(ARM)268@,-8@,;Ed}68@,-8@,'A[68@,-8@,$@e @}68@,-8@,68@,-8@,$@Ee}4-@@! @;68@%,-8@,U68@%,-8@,o68@ %,-8@,68@Ef},-8@, SECOND MORTGAGE (FIXED)76-O:8@,,! @7-%@@N68@%,-e6Eg}8@%,-|68@ %,- 2ND MORTG. (FIXED RATE)</6-@26-/-@@F;;6Eq}JB#FORM1 STRB#'FORM2 STRB!IFORM3 STRBjFORM4 STRBqFORM5 STRB xFORM6 STRB FORM7 STRBFORM8 STRBFORM9 STRBFORM10 STRBFORM11 STRBFORM12 STRB FORM13 STRB FORM14 STRBFORM15 STRBFORM16 STRB FORM17 STRBFORMA BFORMB BvFORM18 STR8%@,-8@ %,%8@ %,%8,%8,%8,P68,-8%@,'@Z>>68%@,-+8@%,%8@Er}%,%8,,$8@,d,,68%@,-8%@,&8%@,n68%@,-8,x6-%8%@,68%@,Es}-+&8,%8@%,%8@%,%8@%,%+8,&8@,&8@,,$8@,,'''68%@,-8%@,'@Et}6-%@  $FORM2, RENT OR BUY<68@3,-8@,%8@,&8@ ,&8@(,\68@Eu},-8@,'A|68@,-@&8@,68@,-8@,$?@p"6-@%8@,'A:6Ev}8@,-8@,N-@@d68,-8&@,$h pTAXESt"6-@%8@,'A:68@,-8Ew}@,N-@@d68,-8&@,$h tINSURANCEs"6-@%8@,'A:68@,-8@ ,Ex}N-@@d68,-8&@,$h sEXPENSES"6-@%8@,'AY68@,-8@,$+@&Ey}8@,'A,$m-@@68,-8&@,$ NET SELLING PRICE6-8@,'A268@,Ez}-8@3,F-@@\68,-8%@,$68%@,-8%@,%8,$8@, LOST INCOMEo"6-@E{}%8@,'A:68@,-8@,N-@@d68,-8&@,$h oRENT68@,-8@ E|},;68@,-8@!,'A[68@,-8@",$@{68@,-8@%,'A68@,-8@&,'E}}A-@@"@ @`68@#,-8@, AS]8@,8@ ,368@,-8E~}@ ,S68@,-8@,&@] @`%68@ %,-8@,$@/ @pI68@%,-8@,cE}68@%,-8@,{68@,-8@,68@ ,-8@,%8@,`068@ ,-8@ ,$+8@ ,!E},H8@ ,!8@,`68@ ,-8@, 6-O:8@",,! @7-%@@N68@E}%,-e68@%,-|68@ %,- FIRST MORTGAGE (ARM)"68@,-8@(,;68@E},-8@),'A[68@,-8@0,$@e @}68@1,-8@,68@,-8@,$@$E}-@@! @;68@%,-8@,U68@%,-8@,o68@ %,-8@,68@,-8@E}, '6-O:8@0,,! @7-%@@N68@%,-e68@%,-|68@ %,-E} SECOND MORTGAGE (FIXED RATE),;6-@56-'6-;-@@168,-8,6;;68E}%@,-8@ %,%8@ %,%8,%8,%8,@''68%@,-8%@,'@T>>68%@,-+8@%,%8E}@%,%8,,$8@,^,,68%@,-8%@,&8%@,`''68%@,-8%@,'@b$$68%@E},-8,&8%@,h6-%8,!68%@,-'46-%8%@,68%@,-+&8,%8@%,%8@%,%8E}@%,%+8,&8@,&8@,,$8@,,'r''68%@,-8%@,'@w,,68%@,-8%@,&8E}%@,|6-%@  $""FORM3, INVESTMENT PROPERTY[68@,-P:8@,,F8@,*8E}@, @[68@,-@[68@&,-P:8@&,,F8@$,*8@&, @[68@&,-@E}\<68@),-8@,%8@,&8@,&8@$,\68@,-8@,'A#68@,-@&8@E},C68@,-8@,$?@Z6-8@,'A68@,-@'+@%?P$,68@,-@'+E}@%,68@,-68@,-@p"6-@%8@,'A:68@,-8@,N-@@E}d68,-8&@,$h pTAXESs"6-@%8@,'A:68@,-8@,N-@@d68,-E}8&@,$h sEXPENSESq"6-@%8@ ,'A:68@,-8@,N-@@d68,-8&@E},$h qINCOME"6-@%8@,'AY68@,-8@,$+@&8@,'A,$m-@@E}68,-8&@,$ NET SELLING PRICEp #A$6-8@2,'A8-@@<"G68,-$K c6E}8@3,-8@,pACRS 18-YR!o #A$6-8@5,'A8-@@<"G68,-$K c68@6,-8E}@,oACRS 5-YR$-6-8@2,'@%8@5,'@<68@,-_68@,-8@,%8@,s-@E}@68%@,-8%@,%%<)68%@,-8%@,%8,%8,- <CUM SL + TOT&68@,-8@E},;68@,-8@,'A[68@,-8@,$@{68@,-8@!,'A68@,-8@",'AE}+O-@@#"@- @`E68@,-8@,O AV0]8@,8@ ,368@,-E}8@ ,S68@,-8@,&@] @`:%68@ %,-8@,$@/ @pI68@%,-8@,E}c68@%,-8@,{68@,-8@,68@ ,-8@,%8@,?`068@ ,-8@ ,$+8@ ,!E},H8@ ,!8@,`68@ ,-8@,D 6-O:8@,,I @%-%@@<68@E}%,-S68@%,-j68@ %,-n FIRST MORTGAGE (ARM)N68@,-8@$,;68@E},-8@%,'A[68@,-8@&,$@e @}68@',-8@,68@,-8@,$@PE}-@@! @;68@%,-8@,U68@%,-8@,o68@ %,-8@,68@,-8@E}, S6-O:8@&,,! @7-%@@N68@%,-e68@%,-|68@ %,E}- SECOND MORTG (FIXED RATE)XT6-@76-'6-@@68,-68@),T-@@E}b;;68%@,-8,&8,&8,&8@ %,&8@ %,lc:6-8,&8,&8,&8@%,&8@%,&8,&8,c68%@E},-8%@,&$8@,v^68%@,-/8@),!^68%@,-A$8%@,'8@)E},1168%@,-8,&8@%,&8@%,~U6-+8,&8@,&8@,%8%@,,$?@%+8%@,&8E}%@,,~68%@,-8%@,&$8@,f$68,-8%@,%8%@,0!@F-@&@b6E}8,-8$@%@1,f 8 @@868%@,-+@'&@,$A6-%@ $pPRINT FE}ORM -/6-+&,$@$%"6.7<,/6.7<%, 4L Ac Aa6. 7<%, E}Ab   d:,24A)4P)4Y(6. ---,---.##2 Aap& 4D6. --,---,---& Aap 4N6E}. ---------- U8,$ Af. 8 6- AcpB$L . . .V6-B:,&`/7<,4 E}67<,..%6-&/ Ab@j$tBLANKS~B:,"Ab27B:,,4 *B:,!(6.7 7%<%,+7B:,,4 !6.7:, 6. <"  d:," Af AgE}$ TOF4 -@f% >:@2,) .46-(6.7@<@9,(6-%@ " AdE}6. 6- $PRINT TITLE: ! d:,$$$  $$$&0 Af: Ag 6.$$$  $$$E}; " d:+@y&B:,,','1 Af; Ag: 0 d:@F, Scenario >:@d%,: Af$(E}TEST PRINTER2 <) Adp3  Af) Ae F:  $-@@!:(ҠŠE}PE( CHECK PRINTERZ))( THEN PRESS Π TO TRY AGAINd AUAen Ad@x A9P$E}OPEN PRINTERP:$COUNT LINES&6-@` @&6-8<,' 6-%@wE}' Acp 6.$,PRINT BLANK LINE6$   $ Af@$ PRINT  " AE}iB6-@6-@!6-86.7@<@9,B Ad@$-@@"$( Ǡ Ad AE}` 6- A9$CALCULATE FLAG= A9P6-+",)"@3 AP= A A9E}$ IN TEXT%6 6- At(}%-6( LOADING TEXT*+ 6.D1:FORM=:,.STR+H/BE}#67,. /DC:,L67,. DC:,M(-B:,$68,-@:7<,,( P$RIN DAE}TA\K 6- At66.D=:,:FORM=:,.DAT@ ArKa5 B-B"68,-& +5 E}Arz!  -68,-!    $SV DATA 6- At(}1"!-@@E}1( SAVING DATA3"@!-@@3( DELETING DATA&&6.D=:,:FORM=:,.DAT"E}' As"@G' As+ A-6-8,"A& +   $TST DSK "E}6.D1:MENU "6.D1:FORMA! "!6.D=:,:PARAMS3+ AtP !+ At`   E} Au At$$L DSKV (} ((`E(Insert(j6   E( ͠(!<%E0(E}3(6=tE(disk(~9   E(SIDE "&()(,<3( 6(9=E(into(>E(Drive E} "(%<5(>:%Av,;(>= ( E (and press RETURN AUAu (} $ INITE}6-6-@'6-@36-@?6-@K6-@W6-@c6-@o6-@ {6-@6E}-@6-@6-@6-@6-@6-@6-@6-@6-@6-@ '6-E}@!36-@"?6-@#K6-@$W6-@%c6-@0o6-@@{6-A9P6-6-6-6-6-E}6->44;,;,;,;@9,;@,;,;,p;@<@,.67@Y,.BCDMZD67@Y,.E}ACDMZZ67@Y,.ABDMZp67@Y,.ABCMZ::;,;,;@0,;@7,;@2,;,9,WW9@x,E};Ar,;A`,;@x,9,;A#P,;@x,;@, 9@',9@,9@,9@,9@E},9@,9@,9@%,9@%,9@,9@<@, 68@,-!68@,-068@,E}-?68@,-N68@,-]68@,-l68@,-{68@,-68@,-68@,-68,- 6-E}@6-Ae0(67,.-67@7,.-(67,.(67,. 67@9,. (67,. 6.GET RICH!: REAL EE}STATEL #B!-@@5-@@9"D68<,-H L "( 68,--$68,-8&,%( ,DE}-@@67%@<%@,.>:F:Ad%,,D ;$"X A8( }ERROR # c:, AT LINE c:E},X(Press Π to continue."   AUA"%#ACRS 3-YEAR PROPERTY#25,38,37,0,0#ACRSE} 5-YEAR PROPERTY#15,22,21,21,21T$ACRS 10-YEAR PROPERTYU$8,14,12,10,10,10,9,9,9,9$ACRS 15-YEAR PROPERTY$$$E}5,10,9,8,7,7,6,6,6,6,6,6,6,6,6%ACRS 15-YEAR LOW HOUSING(%((13,12,10,9,8,7,6,5,5,5,4,4,4,4,4,0% ACRS 15-YEAR REAL E}PROPERTY%''12,10,9,8,7,6,6,6,6,5,5,5,5,5,5,0%88ACRS 18-YEAR REAL PROPERTY, MID MONTH CONVENTION%++9,9,8,7,7,6,5,5,E}5,5,5,5,4,4,4,4,4,4,0'##51,58,56,58,50,55,60,60,60,60'##60,60,60,60,44,60,44,60,46,60$'##46,60,46,60,60,60,60,60,52,6F}#$dRRZEZZ75Z10FDZMZ1Z1ZCQZ1ZBLLZ1PPPSZ2SDZ2SAPFFTANZ3PJLNPLZ1Z2PSBZZI}395DPSZZ2DLLDSZ3TLPZ1ZZFCDQZ2DAAPPJCCQXOJNZZ1Z1MTQQQZ1Z4QOPNPNXLOLJLTPRLQI}LFLSLZ1Z2IPUNDT1T2T3T4T5T6YLNBLNLMTI} @I} @!"#$%&'I}()*+,-./01234567I}89:;<=>?@ABCDEFI}GHI@JKLMNOPQ@RSTUVI}WXYZ[\]^_`ab@cdefI}ghi@jk@l@m@n@o@p@q@rstuI}vwJJGET RICH:REAL ESTATE, COPYRIGHT 1985 BY HARRY KOONS AND HENRY HILTOND:FORMB RE:H 8/10/85:SI}A(!6-A% 7@@:V ; Ay6-F:A,+6-F:A,16-; Ar "6- I}A ")"6- A- AdOAdAU'A@d,:K:A)FO6.>I}:,n""[ }<<,Ax$ ROUND6-N:,$P:O:,%?P,$ --%( $ I}PR LN 6- --( #-8,8%,&#6-+&,$%# -(7<%, # AP I}6-%  -$("$,PR VAL61 6--8,8%,&% AP-6-%1 T$^ PR FTh#6.I}7<,#7<,4LAm,4A)4P"6. ---,---.##, Ar' 4D6. ---,---,---' A|#4Y)4I}N#6. ------------@9&B:, U8,$X K:b -%g j!!"@()"@)AlI}"*"A&Aq))"%*+A&*AU,A{")"@1A7"A&6-& ( -6I}7<,. 7 A!"AU6-%! AU (>:,67<,.>:,  A1#6-%+"@1* ,&+I}"*!,1"A (>:,6- A$ U"8,A@5 6-&6-&-$+%,%( --I}$5($L DV"8%,&A@`5 6-%6-%-$+&,%( --$5(t$ FI}"A@$ 6-%6-8,6-$ A$ R"A@($ 6-&6-8,6-$ A<$x I} Ey 6-6.ENTER Az 6-6. PLUS A{ 6-66.MINUS}. A9P-(.8,"EI}A`76.7<,74L)4C)4D)8,"EA`6.7<,4D)4A6.$ 4P6.%I}4N)4Y6.#V -@'$&( ,:-@($?(F6.L6-V A -@(I}$( 4AP1 A@6-A:, 1O:,!C A@Q A@!C68,-8,$+ ,%+8,$I},$+",%+8,',$+",G Q AP%%68,-8,$+,%$+,&$+ ,  AP A A9$l I} Hq {c6-+&,$%56-@:7<,,%AV$@:7%<%,,=6-%c6-@:7<,,%AV$@:7%<%,,&|P "%-I}0(No additional information.4EF( Press RETURN.P A`~6.7<,6-6- 6-% B:,6-B:,I} A@"7<,0 6-&" A5 -%(7<,6-%  B:,6-% A%  A9$I}CASE NUMBER#A%" 6- AH -( - Scenario A -(  - Scenario B -I}(à - Scenario C -(Ġ - Scenario D  -(͠ - Main Menu0 -'(ҠΠ?+ I}0(#6-[ABCDM<<,#"A p "A! * 6-6.>:@d%,4 "6- Au> ArP6-I}6-H$( LN2 R  -,( ҠŠ?36.96-C AR4A&A ( -(I}-(( P &6-8%,&-&6-+&,$%i 547<%B:,&,6-% A)/ A56-n   I}A9 $ NEW A9P I --!6-@:7Y<,,E >:%A(,-COPY >:, I  .-@@I}#.(-ZERO -MENU % 6-[7Y,<<,%"A( "A(P > "6--&68,-* I}4 A> A(P E6.7Y<, ArP 6-* AH4 AE6.>:@d%,"  A9$T PG^ -I}%h +  8,6-&#6-&8&,%+6-%r  | $ MAIN +  6-B:,&! A)+ AH& ! A9I} AP! Av   6-[FRUDE+-CLHQPN<<, "A1 AAAAAI}AAAiA&AA3AhA(AA "A2   6- A1I} $ Q  " Ai   As $  6- At . (}- ( LOADING MENU+%D:MENU.<I}COMMANDA A9@F,, $-ENTER -CALC -LINE -QUIT K,, $-UP -DOWN -FORWARD -REVERSEP-- $ I} -HELP -PRINT -NEW U "- íZ$d   -(6- $n# --(  I}6-#$ TL6.$$$ ' '6. - [>:@d%,]6. $$$% (}-+@9&B:,,'"(%(I}$ MATH " AP&AQAQAQAQARARASATAUAVI}AVPAWAXAYAR$FORM4 TO FORM76-8,'$68,-$8,$68%,-8,&8,1 6I}-6--16-%%+",%+",%+",96-$8, 68%,-8%,&+8%, 968%,-8,"68,-8%,&8%,I}6-"   8, 68,- 8,!68,-H 6-8, %.6-%%+!,%+!,%+!,:68,-8,H68,-8%,J}$P++FORM8 AND FORM9, AND FORM 18, MONTHU6-P:8,, )!6-Z- 68,-6-8,'#6-- A_J}$68,-$8,$68%,-8,&8,d1 6-6--16-%%+",%+",%+",i96-$8, 68%,-8%,&+8%, J}968%,-8,n"68,-8%,&8%,6-" s 8, 68,-x 8,!68,-}H 6-8, %.6-%%+!,J}%+!,%+!,:68,-8,H68,-8%,$FORM10, STRAIGHT-LINEn 8,68,-!68,-8,'6-/-I6-J}%%+",%+",%+",R68,-`68%,-8,d n AS`6-+8,&8,,'8,,68,-$+8,',,68@5,-8,&8J},1 6-6--16-%%+",%+",%+",168%,-8%,&#8%, 8,168%,-8,"68,-8%,&8%,J}6-"  8, 68,-P 6-8, ,6-%%+!,%+!,%+!,868,-8,F68,-8%,P AS`768,-8,&J}8,&+8,&,$+8, 8,768,-8,)68,-8,&8, 8,)68,-8, 68,-8,&8, 68,-8,$!!J}FORM11, DECLINING BALANCEn 8,68,-!68,-8,'6-/-I6-%%+",%+",%+",R68,-`68%,-8,d J }n AT`"6-8,'+8,$,'+68,-$8,$8,'+68%,-8,&8,,1 6-6--16-%%+",%+",%+",J }168,-8%,$6"68%,-8%,&8,6-" ; 8, 68,-@P 6-8, ,6-%%+!,%+!,%+!,868,-J }8,F68,-8%,P AT`E 68,-8%,$+&,#+8,&,J68,-8,$+&,O 68,-8,&8, 68,-8,T$|##J }FORM12, SUM OF YEARS DIGITSn 8,68,-!68,-8,'6-/-I6-%%+",%+",%+",R68,-`68%,-8,J }d n AUe/6-?P$8,$+8,%,/6-+8,&8,,'-68,-$8,$+8,',-68%,-8,&8,C 6-6-!6J}-8,%&8,')-C6-%%+",%+",%+",68,-$+&,$+ 8,%,468%,-8%,&8,&8%, 8,468%,-J}8,"68,-8%,&8%,6-"  8, 68,-P 6-8, ,6-%%+!,%+!,%+!,868,-8,F68,-8J}%,P AUe*!8,%68,- 68,-* AUe68,-$+8,%&&8,',GG68,-8,&$++8,%,$&8,&&?J}P$$+%,%+8,%&,$8,',$FORM13, SINGLE PAYMENT 6-6-6-8,'$68,-$8,$68%,-8,J}%8,% 6-6--%6-%%+",36-8%,68,-$)68%,-8,%/6-3 6-P:8,, 6-D J}68,- 6-%%+!,,68,-8,:68,-8%,D AV@16-8,$+%,#+&,#68,-$168,-8,%$FJ}ORM14, PERIODIC PAYMENTS0 6-6-68,-P:8,,'8, 068,-J6-%8,'+$8,,6-#6-,8,96-#8J},&J6-$$'8,&!568,-8,$8,"68,-$8,568%,-8,%8,&% 6-6--%6-%%+",+=6-8%,J}68,-8,%$368%,-8,%8,%96-= 06-P:8,, 6-5D 68,- 6-%%+!,,68,-8,:68,J}-8%,D AV:g 68,-68,-$8, D6-8,$+#+8,$+&,,&,$'+&,T68,-$%8,g68,-8,%8,%?J}$D##FORM15, MORTGAGE (STANDARD)I$68,-P:8,,8, $68,-N$68,-P:8,,8, $68,-S1 8,"-J}@a#68,-' 1 AWeXf6-8,'+$8,,$6-+%,#8,-6-8,86-8,'A8,M6-+&,'f6-8,$'+&J}#+68,,,]x 68,-68,-$8,268@Q,-8,$&$O68@9,-8,&8@Q,[68,-8,x68@',-8,&8@9J},bb 6-6--%6-%%+",.!8,768,-B68%,-M68%,-X68%,-b AW@gQ68%,-8%,$&J}$068%,-8%,&8%,<68,-8,Q68%,-8,&8%,l 6- q$68,-P:8,,8, $68,-v` 6-8,J} 6-%%+!,,68,-8,:68,-8%,H68,-8%,V68,-8%,` AWe{: !8,68,-68,-'68,-068,-J}: AWee68,-8,$#&$+#&,'H68,-8,$#+&,&$+#+&,&,'&8,T68,-8,e68,-8,&8,$$$J}FORM16,MORTGAGE WITH BALLOON$68,-P:8,,8, $68,-$68,-P:8,,8, $68,-1 8,"-@bJ }#68,-' 1 AXe 8, 68,-8,!8,68,-8,u6-8,'+$8,,$6-+%,#8,-6-8,86-8J!},'A8,M6-+&,'[6-#+68,,u6-+8,&8,$,$'+&,l 68,-68,-$8,268@R,-8,$&$I68,-8J"},&8@R,U68,-8,l68@(,-8,&8,b 6-6--%6-%%+",.!8,768,-B68%,-M68%,-J#}X68%,-b AX@m'68%,-8%,$&$&8,$+"8,,>68%,-8%,&8%,X68,-8,%8,$+"8,,m68%,-8,&J$}8%, 6- $68,-P:8,,8, $68,-` 6-8, 6-%%+!,,68,-8,:68,-8%,H68,-8%J%},V68,-8%,` AXe: !8,68,-68,-'68,-068,-: AXe-68,-8,$#&$+#&,'&8,$+"8J&},,V68,-8,$#+&,&$+#+&,&,'&8,p68,-8,%8,$+"8,,68,-8,&8,$ ''FORM17,ADJUSTABLE RATE MOJ'}RTGAGE$68,-P:8,,8, $68,-1 8,"-@c#68,-' 1 AYF\6-8,'A 6-+%,#J(}&6-16-8,'7C6-+&,'\6-8,$'+&#+68,,,u 68,-68,-$/68@S,-8,$&$L68@A,-8,&J)}8@S,X68,-8,u68@),-8,&8@A,b 6-6--%6-%%+",.!8,768,-B68%,-M68%J*},-X68%,-b AY"86-%8,'A'!8,'A86-8,'A% 8,'A%6-8,'A "J+} AY Y 6-6-+%,#6-(6-8%,'.:6-+&,'Y6-8%,$'+&#+68,%&,, P68%,-8%,$&$J,}068%,-8%,&8%,;68,-$P68%,-8,&8%," 6- $$68,-P:8,,8, $68,-&` 6-8, 6J-}-%%+!,,68,-8,:68,-8%,H68,-8%,V68,-8%,` AYF(: !8,68,-68,-'68,-068,-:J.} AYF*)68,-8@c,-)68,-8,,86-%8,'A'!8,'A86-8,'A.% 8,'AJ/}%6-8,'A0 " AY@2[ 6-6-+@%,#!6-,6-8,'2>6-+&,'[6-8,$'+&#+68,%&J0},,468,-8,$&$6 8068,-8,&8,68,-$068,-8,&8,:$pPRINT FORM -/6-+&J1},$@$%"6.7<,/6.7<%, 4L Ac Aa6. 7<%, Ab   d:,2J2}4A)4P)4Y(6. ---,---.##2 Aap& 4D6. --,---,---& Aap 4N6. ---------- UJ3}8,$ Af. 8 6- AcpB$L . . .V6-B:,&`/7<,4 67<,..%6-&/ Ab@J4}j$tBLANKS~B:,"Ab27B:,,4 *B:,!(6.7 7%<%,+7B:,,4 !6.7:, 6. <"  d:," Af Ag$ TOF4 J7}-@f% >:@2,) .46-(6.7@<@9,(6-%@ " Ad6. 6- $J8}PRINT TITLE: ! d:,$$$  $$$&0 Af: Ag 6.$$$  $$$; " d:+@y&B:,,J9}','1 Af; Ag: 0 d:@F, Scenario >:@d%,: Af$(TEST PRINTER2 }!6-86.7@<@9,B Ad@$-@@"$( Ǡ Ad A` 6- A9$J?}CALCULATE FLAG36-+","@) AP3 A A9$ IN TEXT%6 6- AtJ@}(}%-6( LOADING TEXT*+ 6.D1:FORM=:,.STR+H/B#67,. /DC:,JA}J"ArEL67,. DC:,M(-B:,$68,-@:7<,,( P$RIN DATA\K 6- At66JB}.D=:,:FORM=:,.DAT@ ArKa5 B-B"68,-& +5 Arz!  -JC}68,-!    $SV DATA 6- At(}%"-%( SAVING DATA'"@-JD}'( DELETING DATA&&6.D=:,:FORM=:,.DAT' As"@G' As & AJE}-6-8,"A&    $TST DSK "6.D1:MENU "6.D1:FORMA! "!6.JF}D=:,:PARAMS3+ AtP !+ At`    Au At$$L DSKV (} ((JG}`E(Insert(j6   E( ͠(!<%E0(3(6=tE(disk(~9   E(SIDE JH}"&()(,<3( 6(9=E(into(>E(Drive  "(%<5(>:%Av,;(>= ( E (JI}and press RETURN AUAu (} $ INIT #Ay%%"++JJ}0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15%%"::16,17,18,19,20,21,22,23,24,25,30,36, 40,752,JK}100,395099;,;,;,;@9,;@,;,;,;,p;@<@,.67@Y,.BCDMZD67@Y,JL}.ACDMZZ67@Y,.ABDMZp67@Y,.ABCMZ//;,;,;@7,;@2,;,9,VV9@x,;ArJM},;A`,;@x,9,;A#P,;@x,;,;, ??9@',9,9,9,9,9,9,9,9,9<, JN}] 68,-68,-68,-'68,-068,-968,-B68,-K68,-T68,-]68,-  6-6-Ae0(67,.JO}-67@7,.-(67,.(67,. 67@9,. (67,.. #B--&"8<,* . " 6.GEJP}T RICH!: REAL ESTATE,, -(67%<%,.>:F:Ad%,,, ;$@DEPRECIATION MENUJ AT--@@JQ}* > DEPRECIATION <-(Y S^""( - ACRS 3-YR PROPERTYh""(  - ACRS 5-YR PROPERTYr""(à - ACRS 10JR}-YR PROPERTY|""(Ġ - ACRS 15-YR PROPERTY$$(Š - ACRS 15-YR LOW INCOME''(Ơ - ACRS 15-YR REAL PROPERTY(JS}((Ǡ - ACRS 18-YR REAL PROPERTY(Ƞ - STRAIGHT LINE!!(ɠ - DECLINING BALANCE##(ʠ - SUM OF YEARSJT} DIGITS( Ѡ - QUITH -@@!3 ҠΠ?= AB(H2A)3ZA0JU}5!6-[ ABCDEFGHIJQ<<,5"A0"@A3P116-%@&+!@,%@$+"@,JV}! A !"@A6-@ Ar ArP u%+!@* @,)"@16-@k6-JW}@$+@%+!@,%+!@,%+!@,,u A %!@ * @%6-@$ 6-@ A0JX} Apl READ ACRSv MM#A%A$+&@,&A$+"@,%+&@,$+!@, "-@JY}"8,  $4!SAVINGS - MORTGAGE MENU>! AH!(-@@%  > SAVINGS <((M! SR!(Ӡ - SIJZ}NGLE PAYMENT\!!!(Р - PERIODIC PAYMENTSf!*-@@ '  > MORTGAGES <*(p!##(͠ - MORTGAGE (STANDARD)zJ[}!%%(  - MORTGAGE WITH BALLOON!((( - ADJUSTABLE RATE MORTGAGE!( Ѡ - QUIT!H -@@!3 J\}ҠΠ?= AB(H!2A)3Z A0!,6-[SPMBAQ<<,"", A0!"@J]} A3P!6-@%!*-@@x&68,-* !! A !"@A!6-@ ArJ^}"s#!@* @)"@/6-@i6-@$+@%+!@,%+!@,%+!@,,s A"%J_}!@ * @%6-@$"6-@ A0$" A`" TLj"6.$$$  $$$"% (}-+@8&B:J`},,'"(%("$"X A8( }ERROR # c:, AT LINE c:,X(Press Π to continue."   Ja}AUBCU"%(#TITLES,#ACRS 3-YEAR PROPERTY-#ACRS 5-YEAR PROPERTY.#ACRS 10-YEAR PROPERTY/#ACRS Jb}15-YEAR PROPERTY0#ACRS 15-YEAR LOW INCOME1# ACRS 15-YEAR REAL PROPERTY2#STRAIGHT LINE3#DECLINING BALANCE4#Jc}SUM OF YEARS DIGITS5#SINGLE PAYMENT6#PERIODIC PAYMENT7#MORTGAGE (STANDARD)8#MORTGAGE WITH BALLOON9#ADJUSTJd}ABLE RATE MORTGAGE:# ACRS 18-YEAR REAL PROPERTY#ACRS 3-YEAR PROPERTY#3,25,38,37#ACRS 5-YEAR PROPERTY#5Je},15,22,21,21,21T$ACRS 10-YEAR PROPERTYU$!!10,8,14,12,10,10,10,9,9,9,9$ACRS 15-YEAR PROPERTY$''15,5,10,9,8,7,7,6Jf},6,6,6,6,6,6,6,6%ACRS 15-YEAR LOW HOUSING%++16,1,13,11,10,9,7,6,6,5,5,5,5,5,4,4,4%++16,2,13,11,10,8,7,6,6,5,5,5,5,Jg}5,4,4,4%++16,3,13,11,10,8,7,6,5,5,5,5,5,5,5,4,3 %++16,4,13,11,10,8,7,6,5,5,5,5,5,5,4,4,3!%++16,6,13,11, 9,8,7,6,5,5,5,Jh}5,5,4,4,4,3"%++16,7,12,11, 9,8,7,6,5,5,5,5,5,5,4,4,2#%++16,8,12,11, 9,8,7,6,5,5,5,5,5,4,4,4,2$%++16,9,12,11, 9,8,7,6,5,Ji}5,5,5,4,4,4,4,2%%,,16,10,12,10, 9,8,7,6,5,5,5,5,5,4,4,4,1&%,,16,11,12,10, 9,8,7,6,5,5,5,5,4,4,4,4,1'%,,16,12,12,10, 9,8Jj},7,6,5,5,5,5,4,4,4,4,0(%,,16,13,12,10, 9,8,7,6,5,5,5,4,4,4,4,4,0% ACRS 15-YEAR REAL PROPERTY%**16,1,12,10,9,8,7,6,6,Jk}6,5,5,5,5,5,5,5%**16,2,11,10,9,8,7,6,6,6,6,5,5,5,5,5,4%**16,3,11,10,9,8,7,6,6,6,5,5,5,5,5,5,4%**16,4,11,10,9,8,7,6,6Jl},5,5,5,5,5,5,5,4%**16,5,11,10,9,8,7,6,6,5,5,5,5,5,5,5,3%**16,6,11,10,8,7,7,6,6,6,5,5,5,5,5,5,3%**16,7,11,10,8,7,7,6,Jm}6,6,5,5,5,5,5,5,2%**16,8,11,10,8,7,7,6,6,5,5,5,5,5,5,5,2%**16,9,11, 9,8,7,6,6,6,6,6,5,5,5,5,5,1%++16,10,11, 9,8,7,6,Jn}6,6,6,5,5,5,5,5,5,1%++16,11,10, 9,8,7,6,6,6,6,6,5,5,5,5,5,0%++16,12,10, 9,8,7,6,6,6,6,5,5,5,5,5,5,0%88ACRS 18-YEAR Jo}REAL PROPERTY, MID MONTH CONVENTION%3319,0.4,10,9,8,7,6,6,5,5,5,5,5,5,4,4,4,4,4,3.6%//19,1,10,9,8,7,6,6,5,5,5,5,5,5,4,Jp}4,4,4,4,3%//19,2,10,9,8,7,6,6,5,5,5,5,5,4,4,4,4,4,4,3%..19,3,9,9,8,7,6,6,5,5,5,5,5,4,4,4,4,4,4,3%..19,4,9,8,8,7,6,6,Jq}5,5,5,5,5,4,4,4,4,4,4,3%..19,4,9,8,8,7,6,6,5,5,5,5,5,5,4,4,4,4,4,2%..19,5,9,8,8,7,6,6,5,5,5,5,5,4,4,4,4,4,4,2%..19,6Jr},9,8,7,7,6,6,5,5,5,5,5,4,4,4,4,4,4,2%..19,7,9,8,7,7,6,5,5,5,5,5,5,5,4,4,4,4,4,1%..19,8,9,8,7,7,6,5,5,5,5,5,5,4,4,4,4,4,Js}4,1%//19,9,9,8,7,7,6,5,5,5,5,5,5,4,4,4,4,4,3,1,%..19,9,9,8,7,7,6,5,5,5,5,5,5,4,4,4,4,4,4,0'##51,58,56,58,50,55,60,60Jt},60,60'##60,60,60,60,44,60,44,60,46,60$'##46,60,46,60,60,60,60,60,52,60.'53,60,54,60,44,60D:FORMB B'gJu}#$dRRZEZZ75Z10FDZMZ1Z1ZCQZ1ZBLLZ1PPPSZ2SDZ2SAPFFTANZ3PJLNPLZ1Z2PSBZZH@UA ACRS 18-YR REAL PROP.N7LEELECCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCLCCCCCNw}pNx}  &,28N7LANLNAALAAAAALAAAAALAAAAALAAAAALAAAAALANy}AAAALAAAAALAAAAA Π 1 PRESENT VALUE 2 MONTHS OF FIRST YEAR Nz}Π 3 YEAR 4 depreciation 5 balance Π 6 year 1 N{} 7 year 2 8 year 3 9 year 4 10 year 5 Π N|}11 year 6 12 year 7 13 year 8 14 year 9 15 year 10 N}}Π 16 year 11 17 year 12 18 year 13 19 year 14 20 yearN~} 15 Π 21 year 16 22 year 17 23 year 18 24 year 19 N} 25 year 20 Š 26 year 1 27 year 2 28 year 3 N} 29 year 4 30 year 5 Š 31 year 6 32 year 7 3N}3 year 8 34 year 9 35 year 10 Š 36 year 11 37 N}year 12 38 year 13 39 year 14 40 year 15 Š 41 year N}16 42 year 17 43 year 18 44 year 19 45 year 20 CCCLCCCCCLmly costArAq RENT OR BUYNNLEELEEEEELEEEELEEELEEECLEELEEECLCLCCCCLCCCLCCCCLCCCLCCCCLCCCLC0.'53,60,54,60,44,60D:FORMA B'gZZ1PPPSSDZ2ITSAPFFTANZ3DSTAPISJNPLZPSZ395Z1D5