Listing of file='INVEST.BAS;02' on disk='vmedia/ncc_8_real-sector.ccvf'
100 REM 120 PLOT 27,24,6,6,12 140 CLEAR 1024 160 P$= "+ " 180 FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$ 200 PRINT P$;TAB( 62)P$ 220 PRINT P$;P$;P$;SPC( 15)"REAL ESTATE EVALUATOR";SPC( 15)" ";P$;P$;P$ 240 PRINT P$;TAB( 62)P$ 260 FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$ 280 PLOT 3,0,15,11 300 INPUT "CLIENT'S NAME : ";A$ 320 L= LEN (A$) 340 IF L< 2THEN 280 360 IF L> 30THEN A$= LEFT$ (A$,30) 380 PLOT 3,0,17,11 400 INPUT "ADDRESS : ";B$ 420 L= LEN (B$) 440 IF L< 2THEN 380 460 IF L> 40THEN B$= LEFT$ (B$,40) 480 PLOT 3,0,19,11 500 INPUT "CITY/STATE : ";C$ 520 L= LEN (C$) 540 IF L< 2THEN 480 560 IF L> 30THEN C$= LEFT$ (C$,30) 580 PLOT 12 600 PRINT "CLIENT :" 620 PRINT " "A$:PRINT " "B$:PRINT " "C$ 640 PLOT 3,0,6,11 660 INPUT "PURCHASE PRICE $ ";P4 680 INPUT "DOWN PAYMENT % ";D 690 IF D= 0THEN PLOT 28,11:GOTO 680 700 INPUT "LOAN TERM (YEARS) $ ";L 720 INPUT "CLOSING COST POINTS (% OF COST) % ";C 740 INPUT "MORTGAGE INTEREST % ";I 760 INPUT "ADDITIONAL ESCROW COSTS $ ";C1 780 INPUT "REAL ESTATE TAXES PER YEAR $ ";T 800 INPUT "HEATING COSTS PER MONTH $ ";H 820 INPUT "ELECTRICITY COSTS PER MONTH $ ";E 840 INPUT "WATER, MAINT, ETC PER MONTH $ ";M 860 INPUT "INSURANCE PER MONTH $ ";I3 880 INPUT "INCOME PER MONTH $ ";R 900 F= (100- D)* P4/ 100 920 I1= I/ 1200 940 M1= L* 12 960 V1= (1+ I1)^ M1 980 D6= (D* P4/ 100)+ C1+ (C* P4/ 100) 1000 PLOT 3,0,20,11 1020 PRINT "DOWN PAYMENT (INCL ESCROW) $"D6:PRINT 1040 P= (I1* V1)/ (V1- 1)* F 1060 P2= P+ I3+ (T/ 12) 1080 PRINT TAB( 15)"CASH FLOW ANALYSIS" 1100 PRINT 1120 PRINT "MONTHLY MORTGAGE PAYMENTS $";P2 1140 M2= H+ E+ M 1160 PRINT "MONTHLY EXPENSES $"M2 1180 PRINT "MONTHLY INCOME $"R 1200 X= P2+ M2 1220 PLOT 27,11 1240 FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$ 1260 C2= R- X 1280 PRINT "MONTHLY CASH FLOW $"C2 1300 IF C2> 0THEN 1340 1320 PRINT TAB( 15)"WARNING: NEGATIVE CASH FLOW" 1340 PRINT :FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$ 1360 FOR J= 1TO 3:PRINT :NEXT 1380 INPUT "APPROX VALUE OF LAND $ ";V 1400 INPUT "APPROX TAX BRACKET % ";B 1420 INPUT "NEW (1) OR USED (2) BUILDING ";U 1440 B7= B/ 100 1460 IF U< > INT (U)OR U< 1OR U> 2THEN PLOT 28,11:GOTO 1420 1470 PLOT 12 1480 IF U= 1THEN 1540 1500 U1= 1.25 1520 GOTO 1560 1540 U1= 2 1560 D1= U1* ((P4- V)/ 20) 1580 G4= 12* M2+ C1+ I3* 12 1590 PRINT :PRINT :FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$:PRINT :PRINT 1620 PRINT TAB( 15)"FIRST YEAR INVESTMENT TAX ADVANTAGE" 1640 PRINT :PRINT 1660 Y4= 12 1680 GOSUB 5000 1700 C3= P4* C/ 100 1720 PRINT "DEDUCTABE INTEREST $"J1+ C3 1740 PRINT "REAL ESTATE TAXES $"T" 1760 PRINT "DEPRECIATION $"D1 1780 PRINT "EXPENSES $"G4 1800 PRINT 1820 J4= J1+ D1+ T+ G4+ C3 1840 PRINT "TOTAL DEDUCTABLE $"J4 1860 PRINT "TOTAL INCOME $"12* R 1880 PRINT 1900 PRINT "NET DEDUCTION $"J4- 12* R 1920 T5= B7* (J4- 12* R) 1940 PRINT 1960 FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$ 1980 PRINT 2000 IF T5< 0THEN 2060 2020 PRINT "TAX BREAK $"T5 2040 GOTO 2100 2060 PRINT TAB( 15)"NO TAX BREAK" 2080 T5= 0 2100 I5= D1+ C3+ C1- C2* 12 2110 PRINT :PRINT 2120 FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$:PRINT 2140 INPUT "ANNUAL PROPERTY INFLATION % ";I6 2150 INPUT "CHARGE FOR RESALE % ";RI 2160 D6= D* P4/ 100+ C1+ C* P4/ 100 2170 IF D6= 0THEN D6= 1 2180 M5= 1 2200 V4= ((1+ I6/ 100)^ M5)* P4 2220 E6= V4- P4+ J2 2240 PRINT 2260 PRINT "RETURN ON INVESTMENT %"STR$ (((E6+ 12* C2+ T5)/ D6)* 100) 2280 PRINT "GROWTH $"STR$ (E6+ C2* 12+ T5) 2300 PRINT :PRINT :FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$:PRINT :PRINT 2320 PRINT "SELECT OTHER PERIOD FOR RETURN ON INVESTMENT" 2340 INPUT "HOW MANY YEARS? ";K 2345 FOR M5= 1TO K 2350 PRINT :PRINT :FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$:PRINT :PRINT 2355 PRINT "YEAR "M5 2360 Y4= M5* 12 2380 F= F+ J2 2400 GOSUB 5000 2420 V4= ((1+ I6/ 100)^ M5)* P4 2440 PRINT 2460 PRINT "TOTAL PRINCIPLE PAID $"STR$ (J2) 2500 PRINT "PROPERTY VALUE WILL BE $"STR$ (V4) 2520 PRINT "EQITY GROWTH $"STR$ (V4- P4+ J2) 2540 W= C3+ J1+ C1+ (D1+ T+ (I3+ M2- R)* 12)* M5 2560 E6= V4- P4+ J2 2580 D6= ((D+ C)* P4/ 100)+ C1 2600 B7= B/ 100 2620 PRINT "TAX SAVINGS OVER THE PERIOD $"STR$ (W* B7) 2640 REM R7=V4-P4+(W*B7)/(P4*D/100)-C2+C1 R7 NOT USED 2660 C8= (R- X)* Y4 2680 T5= W* B7 2700 PRINT "RETURN ON INVESTMENT %"STR$ (((E6+ C8+ T5)/ D6)* 100) 2710 PRINT "PROFIT (VALUE-LOAN BAL & FEES) $"STR$ (V4- (P4- P4* D/ 100)+ J2- V4* RI/ 100) 2720 PRINT :NEXT M5 2730 PRINT :PRINT :FOR J= 1TO 31:PRINT P$;:NEXT :PRINT P$:PRINT :PRINT 2740 POKE 33278,0 2760 PRINT "DO YOU WANT ANOTHER PERIOD? Y/N "; 2780 KB= PEEK (33278):IF KB= 0THEN 2780 2800 PRINT 2820 IF KB= 89THEN 2300 2840 IF KB< > 78THEN 2740 2860 END 5000 J1= 0 5020 J2= 0 5040 J3= 0 5060 FOR J= 1TO Y4 5080 I2= I1* F 5100 P1= P- I2 5120 F= F- P1 5140 J1= J1+ I2 5160 J2= J2+ P1 5170 IF J2> P4THEN J2= P4 5180 J3= J3+ P 5200 NEXT J 5220 RETURN