M******e
发帖数: 160 | 1 一个小condo，$85K,加上closing cost和装修共$92K左右，月租$800左右，HOA $200/
月，地税1.2%,贷款利率4.5%。顺利的话有每月有200左右的cash flow（还没考虑房租
如何报税）。搞不搞？没当过房东，有点怕怕？ |
w*******g
发帖数: 9932 | 2 cash flow of what?
【在 M******e 的大作中提到】
: 一个小condo，$85K,加上closing cost和装修共$92K左右，月租$800左右，HOA $200/
: 月，地税1.2%,贷款利率4.5%。顺利的话有每月有200左右的cash flow（还没考虑房租
: 如何报税）。搞不搞？没当过房东，有点怕怕？
|
b*a
发帖数: 17670 | 3 2% annual return on investment? not to mention the maintenance cost and the
potential drop of house price.
you figure it out
【在 M******e 的大作中提到】
: 一个小condo，$85K,加上closing cost和装修共$92K左右，月租$800左右，HOA $200/
: 月，地税1.2%,贷款利率4.5%。顺利的话有每月有200左右的cash flow（还没考虑房租
: 如何报税）。搞不搞？没当过房东，有点怕怕？
|
R***U
发帖数: 1860 | 4 Don't do it.
This is a very bad deal.
【在 M******e 的大作中提到】
: 一个小condo，$85K,加上closing cost和装修共$92K左右，月租$800左右，HOA $200/
: 月，地税1.2%,贷款利率4.5%。顺利的话有每月有200左右的cash flow（还没考虑房租
: 如何报税）。搞不搞？没当过房东，有点怕怕？
|
T*U
发帖数: 22634 | 5 rental-mortage - property tax?
【在 w*******g 的大作中提到】
: cash flow of what?
|
b*a
发帖数: 17670 | 6 i believe she meant net income
200/
房租
【在 w*******g 的大作中提到】
: cash flow of what?
|
w*******g
发帖数: 9932 | 7 assessment included?
I have a condo costed me 52K and rental income is also 800 a month.
The assessment is 135 and tax is about 300 a month.
【在 T*U 的大作中提到】
: rental-mortage - property tax?
|
N**s
发帖数: 1916 | 8 Is the $200/month net income after all expenses including HOA, maintenance,
insurance,Property tax and interest?
If so, assuming it is 80% financed, with the leverage your ROIC =
200* 12 / ($85000*.2) = 14% before tax
Not bad |
b*a
发帖数: 17670 | 9 LZ said the total investment is 92K
and you forgot to have mortgate included
【在 N**s 的大作中提到】
: Is the $200/month net income after all expenses including HOA, maintenance,
: insurance,Property tax and interest?
: If so, assuming it is 80% financed, with the leverage your ROIC =
: 200* 12 / ($85000*.2) = 14% before tax
: Not bad
|
M******e
发帖数: 160 | 10 多谢各位回复。
cash flow $200/月正是TTU说的“rental-mortage - property tax”，也不全是bia说
的net income，因为还没考虑到报税的因素 |
|
|
b*a
发帖数: 17670 | 11 算保险了吗？
【在 M******e 的大作中提到】
: 多谢各位回复。
: cash flow $200/月正是TTU说的“rental-mortage - property tax”，也不全是bia说
: 的net income，因为还没考虑到报税的因素
|
N**s
发帖数: 1916 | 12 ok. change denominator to $85k x .2 + $7k = $24k invested capital assuming
80$ financing.
still get 10%.
LZ is using leverage and mortgage is NOT invested capital. Of course
interest is part of your operating expense each month.
【在 b*a 的大作中提到】
: LZ said the total investment is 92K
: and you forgot to have mortgate included
|
T*********e
发帖数: 9208 | 13 maintenance too, overhead if she hires an agent to manage it
【在 b*a 的大作中提到】
: 算保险了吗？
|
N**s
发帖数: 1916 | 14 insurance, hoa, maintenance, loss of rent( tenant turnover, etc) will make
it negative cash flow. All you get is principal portion of your mortgage
payment. Bad!
【在 M******e 的大作中提到】
: 多谢各位回复。
: cash flow $200/月正是TTU说的“rental-mortage - property tax”，也不全是bia说
: 的net income，因为还没考虑到报税的因素
|
T*********e
发帖数: 9208 | 15 well,u may also count the increase of the principle as income
【在 N**s 的大作中提到】
: ok. change denominator to $85k x .2 + $7k = $24k invested capital assuming
: 80$ financing.
: still get 10%.
: LZ is using leverage and mortgage is NOT invested capital. Of course
: interest is part of your operating expense each month.
|
N**s
发帖数: 1916 | 16 you got it. this is approximation for first several years. however,just like
principal is building up, interest expense is diminishing.
【在 T*********e 的大作中提到】
: well,u may also count the increase of the principle as income
|
M******e
发帖数: 160 | 17 insurance倒是不贵，一年一百多点。HOA算过了。maintenance 和loss of rent是个未
知数，所以纠结
【在 N**s 的大作中提到】
: insurance, hoa, maintenance, loss of rent( tenant turnover, etc) will make
: it negative cash flow. All you get is principal portion of your mortgage
: payment. Bad!
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