BricksFolios SmartBnB Investment Calculator

INTERACTIVE CALCULATOR

Make every assumption visible.

Change any cream-colored field and the results update instantly. Compare funding choices, then review the plain-language notes before relying on any tax estimate.

YOUR ASSUMPTIONS

Deal inputs

Project cost $137,500

Luxury cabin Installation Split AC Furniture Miscellaneous Electrical system

Revenue & operations $54,000

Average daily rate Nights booked / year Operating expenses % Land lease / month Investor share %

Funding & growth 6.75% / 8.50%

SBLOC rate % HELOC rate % Amount financed % Modeled return % Growth horizon yr

Depreciation & tax $50,875

Marginal tax rate % Eligible depreciable basis %

Material participation met Placed in service this tax year Include SBLOC interest deduction Include HELOC interest deduction

All eligibility assumptions default on. Actual eligibility, basis, timing, tracing and passive-loss treatment require tax-adviser review.

LIVE OUTLOOK

CASH VIEW

Total potential tax savings$50,875$50,875 depreciation + $0 interest

Cash annual investor cash flow$12,600after operations, lease and investor split; no funding cost

Project cost$137,500

Amount financed$0

Cash required$137,500

Gross revenue$54,00049.3% occupancy

Operating expenses$21,60040.0% of gross revenue

Annual funding cost$0cash has no interest expense

15-year cumulative cash flow$189,000no cash-flow reinvestment

ANNUAL CASH FLOW

From bookings to investor

5.1% net margin

Gross bookings$54,000

Operating expenses−$21,600

Land lease−$7,200

Investor share before debt$12,600

Cash funding cost$0

Interest tax savings$0

After-tax investor cash flow$12,600

RETAINED PORTFOLIO

Portfolio growth + investor cash flow

10.0% CAGR

The full project cost is funded through the SBLOC, allowing an equal amount of the existing securities portfolio to remain invested.

Retained portfolio valueCumulative investor cash flowCombined value

Retained portfolio at horizon$574,372

Cumulative investor cash flow$101,292

Combined value$675,664

Assumes the retained portfolio earns the selected return. Market returns are hypothetical and not guaranteed.

FUNDING COMPARISON

Cash vs. SBLOC vs. HELOC

CashProject funding

Capital funded: $137,500
Annual financing cost: $0
Investor cash flow: $2,741

SBLOCInterest-only

Annual interest: $9,281
After-tax cash flow: $6,753
15-year cumulative cash flow: $101,292

HELOCInterest-only

Annual interest: $11,688
After-tax cash flow: $5,237
15-year cumulative cash flow: $78,553

Cash annual cash flow$12,600operating cash flow after the selected funding cost and related tax savings

15-year downstream value$401,518simple cumulative cash flow plus modeled growth of conditional depreciation tax savings; cash flow itself is not reinvested

LONG-TERM ESTIMATE

Cash received versus potential growth

Annual operating cash flow is added together without reinvestment. Only the potential tax savings use the return assumption.

Tax savings at modeled return$212,518

Cash cumulative cash flow$189,000

READ BEFORE RELYING

Tax benefits are conditional, not automatic.

Material participation

Tax treatment can depend on how actively you participate in the rental. Turning on the switch is only an estimate—not proof that you qualify.

Placed in service

Depreciation generally begins when the rental is ready and available for guests, not simply when it is purchased or delivered.

Depreciable basis

Use the eligible-basis field to estimate how much of the project cost may be depreciable. Land and some other costs may not qualify.

Interest deductibility

Interest may be deductible depending on how loan proceeds are used and documented. Confirm the treatment with your tax adviser.

For Accredited Investors only. This calculator is an educational planning tool. Results are estimates based on the information entered and are not an offer, guarantee, or tax, legal, investment or lending advice. Actual performance and tax treatment may differ. Review the opportunity and your individual circumstances with qualified advisers before investing.