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RETAIL ANALYSIS
BankOpedia gives you the tools you need to analyze your retail project's cash flow in an excel workbook.
RETAIL PROPERTY ANALYSIS INSTRUCTIONS
Retail Property Analysis Instructions
After you complete the rent roll (see below for rent roll instructions), fill in the cells with blue text font. Only gold cells include inputs.
Complete the basic information for the project in Section A.
Optional: if you have existing financial information for the property, complete Section B and the far right columns in Sections D and Section E. This information should be annualized.
If you don't have existing information, skip Section B, and add the proforma vacancy rate in Section C.
Add the proforma expenses in the second column from the left (the first cell shows a value of $47,000) for Section D. The management fee is entered as a Percent of Effective Gross Income in Section G.
Optional: You are able to designate if a specific expense type is Passed-Thru (P), has an expense stop (E), or neither (N) in Section F. This is for informational purposes only and does not impact calculations.
Lastly, Input the current Index (i.e. Prime, SOFR, 5-Year Treasury) and the current index rate in Section H.
NOTE: THE SECTIONS LETTERS (A-H) ARE NOT INCLUDED ON THE EXCEL SPREADSHEETS AND ARE FOR INSTRUCTIONAL PURPOSES ONLY.
Income and Vacancy Sensitivity Analysis
Change the Percentages in Section A to see the impact of increases or decreases in renal rates on your net operating income, debt coverage, property value and loan-to-value.
Change the Vacancy Rates in Section B to see the impact of different Vacancy Rates on net operating income, debt coverage, property value, and loan-to-value.
The Percent Changes in Sections A and B are the only inputs on this worksheet.
Interest Rate Sensitivity Analysis
Understand the impact of increasing interest rates on your property. Section A reflects the debt coverage at various interest rates, on an interest only basis and with principal and interest.
Section B reflects the Break-Even Interest Rate on an Interest Only AND an amortizing basis.
Analyze different amortization scenarios by changing the Amortization for Scenario #2 in Section C.
The only input on this worksheet is the alternate amortization.