c*******e
发帖数: 814 | 1 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
房价$165,000
Rent: $1,500/month
Down payment: $33,000 (20%)
Loan: $132,000, 30 yr @ 3.75%
mortgage: $602
Tax: $2,500/yr
Home Insurance:$600/yr
HOA: $200/yr
Maintenance: $250/month (estimate)
Monthly expenses sub total: $1,136/month
Vacancy rate: 8%
Monthly cash flow: $244/month ($1,500*(1-8%) - $1,136)
Upfront Investment:
Downpayment: $33,000
Closing Cost: $2,500
House Repair: $2,500
Sub Total:$38,000
Annual Investment Return Rate:
1. not counting the principal payment: 244*12/38,000=7.7%
2. counting the principal payment (244+200)*12/38,000= 11.7%
看上去很不错，貌似就算交给property management公司打理cash flow也略有盈余。大
家帮我把把关吧。多谢 |
r*******y
发帖数: 290 | 2 what's your holding period? if you sell, there is 6% sales fee.
Also, don't forget to add tax!
【在 c*******e 的大作中提到】
: 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
: 房价$165,000
: Rent: $1,500/month
: Down payment: $33,000 (20%)
: Loan: $132,000, 30 yr @ 3.75%
: mortgage: $602
: Tax: $2,500/yr
: Home Insurance:$600/yr
: HOA: $200/yr
: Maintenance: $250/month (estimate)
|
c*******e
发帖数: 814 | 3 good point. I am planning to hold the house for at least 15 years. May have
to sell when kids go to college.
I didn't count tax since all incomes are subject to tax.
【在 r*******y 的大作中提到】
: what's your holding period? if you sell, there is 6% sales fee.
: Also, don't forget to add tax!
|
r*******y
发帖数: 290 | 4 If you hold 15 years, house price will rise with inflation almost surely
unless the university or the city is dying
It sounds like a good investment to me.
have
【在 c*******e 的大作中提到】
: good point. I am planning to hold the house for at least 15 years. May have
: to sell when kids go to college.
: I didn't count tax since all incomes are subject to tax.
|
p********r
发帖数: 1980 | 5 I don't think you can get investment property loan at 20% down and 3.75%.
【在 c*******e 的大作中提到】
: 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
: 房价$165,000
: Rent: $1,500/month
: Down payment: $33,000 (20%)
: Loan: $132,000, 30 yr @ 3.75%
: mortgage: $602
: Tax: $2,500/yr
: Home Insurance:$600/yr
: HOA: $200/yr
: Maintenance: $250/month (estimate)
|
K*******4
发帖数: 294 | 6 how much do you think he will get? 4%?
【在 p********r 的大作中提到】
: I don't think you can get investment property loan at 20% down and 3.75%.
|
c*******e
发帖数: 814 | 7 that's another good point. looks like 4.5 is more likely.
【在 p********r 的大作中提到】
: I don't think you can get investment property loan at 20% down and 3.75%.
|
j****a
发帖数: 5777 | 8 请问这8%的空置率怎么控制比较好，我们这里10万左右的townhouse,能租个1200/月，
但是我看到有的房子挂在网上1,2个月了也还没租出去，地税和管理费每月都固定要交
的，那岂不是很着急。 |
c*******e
发帖数: 814 | 9 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
房价$165,000
Rent: $1,500/month
Down payment: $33,000 (20%)
Loan: $132,000, 30 yr @ 3.75%
mortgage: $602
Tax: $2,500/yr
Home Insurance:$600/yr
HOA: $200/yr
Maintenance: $250/month (estimate)
Monthly expenses sub total: $1,136/month
Vacancy rate: 8%
Monthly cash flow: $244/month ($1,500*(1-8%) - $1,136)
Upfront Investment:
Downpayment: $33,000
Closing Cost: $2,500
House Repair: $2,500
Sub Total:$38,000
Annual Investment Return Rate:
1. not counting the principal payment: 244*12/38,000=7.7%
2. counting the principal payment (244+200)*12/38,000= 11.7%
看上去很不错，貌似就算交给property management公司打理cash flow也略有盈余。大
家帮我把把关吧。多谢 |
r*******y
发帖数: 290 | 10 what's your holding period? if you sell, there is 6% sales fee.
Also, don't forget to add tax!
【在 c*******e 的大作中提到】
: 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
: 房价$165,000
: Rent: $1,500/month
: Down payment: $33,000 (20%)
: Loan: $132,000, 30 yr @ 3.75%
: mortgage: $602
: Tax: $2,500/yr
: Home Insurance:$600/yr
: HOA: $200/yr
: Maintenance: $250/month (estimate)
|
|
|
c*******e
发帖数: 814 | 11 good point. I am planning to hold the house for at least 15 years. May have
to sell when kids go to college.
I didn't count tax since all incomes are subject to tax.
【在 r*******y 的大作中提到】
: what's your holding period? if you sell, there is 6% sales fee.
: Also, don't forget to add tax!
|
r*******y
发帖数: 290 | 12 If you hold 15 years, house price will rise with inflation almost surely
unless the university or the city is dying
It sounds like a good investment to me.
have
【在 c*******e 的大作中提到】
: good point. I am planning to hold the house for at least 15 years. May have
: to sell when kids go to college.
: I didn't count tax since all incomes are subject to tax.
|
p********r
发帖数: 1980 | 13 I don't think you can get investment property loan at 20% down and 3.75%.
【在 c*******e 的大作中提到】
: 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
: 房价$165,000
: Rent: $1,500/month
: Down payment: $33,000 (20%)
: Loan: $132,000, 30 yr @ 3.75%
: mortgage: $602
: Tax: $2,500/yr
: Home Insurance:$600/yr
: HOA: $200/yr
: Maintenance: $250/month (estimate)
|
K*******4
发帖数: 294 | 14 how much do you think he will get? 4%?
【在 p********r 的大作中提到】
: I don't think you can get investment property loan at 20% down and 3.75%.
|
c*******e
发帖数: 814 | 15 that's another good point. looks like 4.5 is more likely.
【在 p********r 的大作中提到】
: I don't think you can get investment property loan at 20% down and 3.75%.
|
j****a
发帖数: 5777 | 16 请问这8%的空置率怎么控制比较好，我们这里10万左右的townhouse,能租个1200/月，
但是我看到有的房子挂在网上1,2个月了也还没租出去，地税和管理费每月都固定要交
的，那岂不是很着急。 |
c*******e
发帖数: 814 | 17 出租房也是个供求关系。价格便宜量又足一定租的快。
【在 j****a 的大作中提到】
: 请问这8%的空置率怎么控制比较好，我们这里10万左右的townhouse,能租个1200/月，
: 但是我看到有的房子挂在网上1,2个月了也还没租出去，地税和管理费每月都固定要交
: 的，那岂不是很着急。
|
f*****c
发帖数: 3257 | 18 基本上没什么错～
不过貌似该地区房价升值空间有限吧～
还有，你最后244+200，那200什么意思？》 |
f*****g
发帖数: 15860 | 19 $600, home insurance is a little too high?
【在 c*******e 的大作中提到】
: 手上有点闲钱，想投资房子。没有当地主的经验，所以请大家看看我的帐算的对不对。
: 房价$165,000
: Rent: $1,500/month
: Down payment: $33,000 (20%)
: Loan: $132,000, 30 yr @ 3.75%
: mortgage: $602
: Tax: $2,500/yr
: Home Insurance:$600/yr
: HOA: $200/yr
: Maintenance: $250/month (estimate)
|
c*******e
发帖数: 814 | 20 principle
【在 f*****c 的大作中提到】
: 基本上没什么错～
: 不过貌似该地区房价升值空间有限吧～
: 还有，你最后244+200，那200什么意思？》
|
|
|
c*******e
发帖数: 814 | 21 大概差不多。
【在 f*****g 的大作中提到】
: $600, home insurance is a little too high?
|
f*****g
发帖数: 15860 | 22 $600 for a 165K home?
here ppl pay $700 for a 1M house.
【在 c*******e 的大作中提到】
: 大概差不多。
|
n******r
发帖数: 869 | 23 这位大牛最后下手了没？我也在看，情况很类似。也想托人管。谢谢！ |
