@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`lm}_TqTARRBDFILEVLINEDELOANBALDOLDOL1ACRSATCASHDZLERRPERRSERRIERRERRWBOKFILCASHINIOKEDIOP}VIEPMNUERLNUICUMSPENCUMTADISCPVAACCUMACCUMSDEBASSLDEPBEGCASLOPLFLASYEAEYEACOMAXKKWLOANLASYWO}RTHLASEXCESSTAXLASSLPRIINTIRATINTERESPRINPAELOAIMOPMOVMIFSSKPKSIMONUPRLASITOSINTOLLXDINNLO}IBA5&LeAtA"A"A   A A D* @ %(Ah }      A(@@@@@@@ }@ @!@"@#@"$@%&'(@)*+,-. }/0123456789:;<= }>?@ABCDEFGHIJKLM }NOPQRSTUVWXYZ[\] }^_`a@dOO;@(,;@%,9@7,;@v,;@,9@<@,(ZZ9}@3,9@3<@,9@,;@,;@,9@,9@A,<]];@@,9@,;@,;@},;@,;@,;@ ,;@,P##@@K:dc +'0@@@A}0@@@c  ̠ŠȠנx""  Ӡ͠** " ԠҮˮ}Π֮REVISION DATE 11/11/82 B2X6. 6..6.H6.}ĠԠX6. Ҡ$6.ȠΠ$6-AD'6-6-'6-% % 1: REAL ESTA}TE DATA EDITOR,#  # 2: CASH FLOW ANALYSIS@$  $ 3: LOAN AMORTIZATION &T  PAYMENT COMPUTATIONh((}? A"`|5)@(>:,5 @I)!@QA`3 (}6-&@H3A@AA B}DATA EDITOR467@,. %67@6,. 467@,.A6-@ #A@INIT }ARRAYSAA3440,6,-1,3560,13,5,3820,5,18,3820,5,23,3820,5,28,3820,5,330B-@@+-@@/":68<},-> B DQQVLINE(I,1)-MENU START DATA LINE. 2-# OF ITEMS IN MENU. 3-OFFSET FOR ARRAY RX6-@Al}6-@*-@@7&68,-* '68@,-@ 6. '6.DISPLAY VIEWM0@@}@70@@@M6-AD&$@( }6-@(AdAU&&( ̠}ŠҠ( ##8<@,#6-8<@, -&@4 " H!@A \!@}A `p/" -@9&B:,% / A( A @A `4"@!  #}&@4PRINT MTG NUMBER#6-88<@,%,# A-@0 6-%@   $ #A9 }" @$ $"8 8@, @AL**"@*8@,@A` t66-&@}*")!8@,66-@  #"!@  -@@="=+"@*"@},)+ @*"@,A`  !@A@[-@@8(ŠӠƠϠ }Š[(ͬĠӠ(!!(ϠԠԠծ<(-@@#(?( A"`P6-@!} A2@d*AdAU")@*(>:,x!!!@H* @XA .. @e)!8<@,%@d"}A2@7"@#-@@!/-@3(7 =-@@"=(#ҠĠӠ RETURN #}GET LINE #$6-&@e$6-8<@,%#8<@,%$@ -@@#((-@@#$}"(6.7@,,;-@B:,267<,.>:@:7<,,%A(,6 ;(@A`T-@7@#%} <<h--@@# A"`#- A|:"6@"-@@#, A"`0: A (? A"&}` A"@A@+! )!@A2@+BAD MTG@A-!@*@'}A2@-BAD DEPR.A 68,- A16-&8<@,%@=-@0A((-@@"((( A@(}COMMAND?06-&@HD!@A XAA@A l6-@ A6-@)} A6-%@ @6-@&!8@,%@&6-@ A6-&@*}77A `A% A `AA BA!@ B:,!A!  C (}-@@#5(Ҡ+}Š? 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LOAN RATE(%) .PERSONAL TAX RATE(%) .HOW MANY MORTGAGES<}(0-4)? .PROPERTY COST .DOWN PAYMENT.PERCENT DEPRECIABLE(%)$!!.DEPRECIATION TYPE(1 OR 2)8.DEPRECI=}ABLE LIFEL.ANNUAL GROSS RENT`.VACANCY RATE(%)t.RENT GROWTH RATE(%).ANNUAL EXPENSES.EXPENSE GR>}OWTH RATE(%).ANNUAL R.E. TAXES.R.E. TAX GROWTH RATE(%)"".PROP. VALUE GROWTH RATE(%).MORTGAGE PRINCI?}PAL.MONTHLY PAYMENT.INTEREST RATE(%)(.TERM (YEARS)<.1ST YEAR IN FORCEP.PROPERTY EDIT MENUd@}.MORTGAGE EDIT MENUx.INVESTOR EDIT MENU.LOAD DATA.PRINT DATA.SAVE DATA.ANALYZE CASH FA}LOW.AMORTIZE LOAN.COMPUTE LOAN PAYMENTk0@@@70@@@_ #} B}̠ŠȠנӠk6-@,AdAU@"AD@T'6-@ Aq'GET OPTIONSC}h    | 1 - CASH FLOW PROJECTION 2 - NET WORTH ANALYSIS 3 - PROFITABILITY RATIOS 4 - ALL OF D}THESE 5 - NEW DATA FILE  6 - EDIT DATA 7 - AMORTIZE LOAN((? 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D @X"@0 @l  Aq@ AA "@$d}"" Ԡ START ϠŠ F:B2y,@Aq@$ ERROR ROUTINE  >:AS,4''Ar@Are}`ArAsH ( As@\( As@p ( As (@ Aqf}!@AA` AD@COMPUTE CASH FLOW1"@'68@,-8@,1 At`&&68@,-8@g},$8@,$&&68@,-8@,$8@,8&&68@,-8@,&8@,LI"@'68@,-8@h},?68@,-8@,I Au``&&68@,-8@,$8@,t&&68@,-8@,$8@,1168@i},-8@,&8@,&8@, ADEPR A`INTEREST1168@ ,-8@,&8@,&8j}@,1168@,-8@ ,%8@,&8@,&&68@,-8@ ,$8@,68@,-Hk}8@, 368@,-O:8@,,H68@,-(&&68@,-8@,&8@,<6-8@,P1l}168@,-8@,$8@,&8@,d68@,-xH8@, 368@,-O:8@,,H68m}@,-$COMPUTE NET WORTH&&68@,-8@,$8@,68@,- 8@,"n}A`6-@"-@8@, 8,&@A ,@"8&@,"A @ADD Oo}NLY IF A MONTHLY PAYMT@ 68@,-8@,%8,T6-%@h |&&68@,-8@,%8@,6-p}8@ ,"6-8@,&&68@ ,-8@,&8@,**68@!,-8@,&+8@,&, 6q}-&2268@",-+8@!,&,$8@,$?@ 68@#,-$8@, 6-8@$,0 &&68@$,-8@"r},%8@#,D $X PROFIT RATIOSl 6-%8@, 6-%8@, ))68@%,-+%,$A'8@, .s}.68@&,-8@,$A'8@, 4468@',-+8@,%8@ ,&,$A' PP68@(,-+8@,%8t}@,%8@ ,&&8@$,%,$A'+&, ..68@),-8@,$A'8@, ;;68@0,-+8@,%u}8@,,$A'8@, !KK68@1,-+8@,%8@,%8@,%8@,%,'8@, !6-$8@,v}4!((68%@,-8@,%8@,H!6-%8%@,'\!,,68@2,-%+8@ ,&8@$,,'p! A!w}$! DEPR!$68@,-$6-!STRAIGHT LINE!H"@6-'@' A H1/2 FOR 1ST YR & x}YR AFTER LAST!"8@ ,6-" A !("8@ ,%@(6-'@"18@,"@'68@,-y}1 A$"ACRS DEPRECIATION8"&8@ ,&68@,-8,$L"68@,-8@,`"6-%8@,t" 6z}-%"$"INTEREST & PRIN PAYMTS"'6-6-'6-@" 8@,"A`"-@{}8@,")) 8%@,)8,A#6-8%@,'@# A(# 6-%<# 6-%P#IS I|}T END OR BEG OF LOANd#))6-8%@,%8%@,&@x## "6-%8,#68,-#)"+8%@,&@}},)6-&8,#6-%@# #$68@,-!68@,-$$#MONTHLY INTEREST#6-6-$~}-@@$6-8,$,$6-8%@,&@$ 6-%T$68,-8,&h$ 6-%|$ $$$ P:, A}$FORMAT $$6-P:%?P,$ A %FORMAT TO HUNDREDTHS%$$6-P:A$%?P,'A0%6. } D% 6.=:,X%67@&B:,,.l%$%COMPUTE IRR% 8@, A`%68@3,-A $}%6-?%6-%6-%@%6-@ &6-%@ &6-8@,4&!@ A@H&6}-\&-@p& 6-8,&% "%6-%8@ ,&8@$,&6-&@&6-%$$& 6-$&6}-%+$,& & 6-'' 6-&$'O:,!>PA 8'..68@3,-++@',&@,$AL'$`'**"})8@,"Bt' #AG@RESTORE TO %'3-@@"/68,-8,$A3 'V-@}@"768,-8,$A&A; VSUB 1 FROM COMPOUND FACS'6-'"@A@' B}'GROSS RENT...............(less VACANCY ALLOWANCE...(EFFECTIVE GROSS INCOME...((less R.E. TAXES..........<(}less EXPENSES............P(NET RENTAL INCOME........d(less DEPRECIATION........x(less INTEREST............(}TAXABLE INCOME...........(plus DEPRECIATION........(less PRINCIPAL PAYMENTS..(CASH THROW-OFF...........(}less INCOME TAXES........(CASH FROM OPERATIONS.....)WORKING CAP.LOAN BALANCE.)SPENDABLE CASH AFT. TAXES,)}TAX SVGS. ON OTHER INCOME@)YEAR-END MARKET VALUE....T)BALANCE OF LOANS.........h)NET WORTH OF PROPERTY....|)C}APITAL GAIN (IF SOLD)...)CAPITAL GAINS TAX........)INC. TAX ON EXCESS DEPR..)TOTAL TAX ON SALE........)% }EQUITY PAYBACK AFT TAX.)% NET RENT TO MKT VALUE..)RETURN ON NET WTH BEF TAX*RETURN ON NET WTH AFT TAX*CAS}H RETURN/EQUITY B. TAX0*CASH RETURN/EQUITY A. TAXD*DEFAULT RATIO............X*NET PRESENT VALUE........l*RETU}RN ON EQUITY (IRR)...*T0@@@70@@@T } ΠΠ* B1@6-@}*..6.$JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC*S S HYOU MUST ENTER AT LEAST THREE OF THESE FOUR ITEMS, FOLLOWED BY }Π:*((1 - AMOUNT OF LOAN* 2 - ANNUAL INTEREST* 3 - NUMBER OF MONTHS + 4 - MONTHLY PAYMENT +-} - "ENTER A ZERO FOR THE ITEM YOU WISH4+##  TO HAVE CALCULATED FOR YOUH+>AdAU(0(ԠƠΠ:} A"`>\+7(̠Ԡ% A"`)76-'Ap+)(ҠƠӠ% A"`)+)(٠}Ԡ% A"`)+ +B`+336-$++@&+@'J:$K:@%,,,,',+ 6- B&}+ AMOUNT OF LOAN = $+B@, B(@$, 6- B&8,$$ ANNUAL INTEREST RATE =%L,}B `,//6-K:@'+@&$',,'K:@%,t, 6- B&, NUMBER OF MONTHS = ,}B, B1 , 6- B&, MONTHLY PAYMENT = $,5 B1@(5( 1 - PRINT AMORTIZATION ON SCREEN-})) !2 - PRINT AMORTIZATION ON PRINTER- 3 - REPEAT CALCULATION(-  4 - EDIT DATA<- 5 - ANALYZE CASH FLOWSP-(}(? 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WRITE DOS FILES9!&x#!7&p))'&X*./)L''-؆莟}R'S  vW DEHHI 1A#! @ ~0ɛ8A0.) ȅ 1 1i}il ! 1L NO SUCH ITEMSELECT ITEM OR FOR MENU! 0 .{z:*{}.|~ 1 0 0}JB 18L^%|DLl%DIRECTORY--SEARCH SPEC,LIST FILE? # 0 0 n&|D! 1L NOT A DISK FILE}N !B 1L " 1 !BDED:}:1BJ|DE 1DEBH}I 1 h0ߢ 0.  0?詛 1 ~0YЛ 1 "L<" "L } BL1TYPE "Y" TO DELETE...DELETE FILE SPECCOPY--FROM, TO?OPTION NOT ALLOWED COPYING---DN:}# 0|D .L$A#B#C#JB|DE 1BHIDD#E 1D#0: B} 1L B#C#C#B# B 1N#$0SYS1}:e#D# d# D# .d#ȽD# d# 𩛙d#X# 1,A#}PdD#ELO- A.BJdD#E 1 1HH 0hh|DL^%1}:e# Lt% e#dD#EL%} 1 0 . .0% 1L WILD CARDS NOT ALLOWED IN DESTINATION 0 A.|K@C:AS, B1@)@3 B D:CASHFLOW}12153021000002500090215120004610008150051075000850123171000854.67142540000000000SAMPLE A%}NALYSIS #1 2500090215120004610008150051075000850123171000854.67142540000000000SAMPLE A$ @ ' +@'0@@@6-@@ #-@2(@$6 6-*}@@#-@2(@$6 6-@@6(@$$$$$$$$$$$$$$$$$$$(3-@@3(*}@$$$$$$$$$$$$$$$$2.-@@.(@ ̠<.-@@.(@ ӠF+-@*}@+(@ǮP2-@@2(@ŠĠZ% D:CASHFLOW D:LGO6-(u