如果每年都不断地追加投资，从2万开始。 Plan A 3million，plan B: 674million

Plan A
20 Years Ago: Year 1998			Interest Rate		6.00%	Now Year 2018
House price		200000	Growth Rate		8.4%	House price	1000000
Rent		1000	Rent Growth Rate		6.0%	Rent	3200
Yearly W2 cash for investment		20000	W2 growth rate		4.0%
Cash on hand		40000	Maintenance cost of house price		3.0%
Year	# House Had	House Price	Down Payment	Rent	Mortgage/mo	Insurance, tax, vacancy, management /mo	Cash flow/mo	Cash flow/ye	W2 cash	Total cash	Buy House Next Year?	Principe paid	Net Worth
1	1	$200,000	40000	1000	($959)	($500)	($459)	($5,511)	20000	14489	FALSE	2024	$56,512
2	1	$216,760	43352	1060	($959)	($542)	($441)	($5,296)	20800	29993	FALSE	2145	$90,922
3	1	$234,924	46985	1123	($959)	($587)	($423)	($5,079)	21632	46546	FALSE	2274	$127,913
4	1	$254,610	50922	1191	($959)	($637)	($405)	($4,862)	22497	64181	TRUE	2410	$167,645
5	2	$275,946	55189	2524	($2,283)	($1,380)	($1,139)	($13,665)	23397	18724	FALSE	5110	$424,580
6	2	$299,070	59814	2675	($2,283)	($1,495)	($1,103)	($13,239)	24333	29819	FALSE	5417	$487,339
7	2	$324,131	64826	2835	($2,283)	($1,621)	($1,068)	($12,820)	25306	42305	FALSE	5742	$555,690
8	2	$351,293	70259	3005	($2,283)	($1,756)	($1,034)	($12,413)	26319	56211	FALSE	6086	$630,005
9	2	$380,731	76146	3185	($2,283)	($1,904)	($1,002)	($12,020)	27371	71563	FALSE	6451	$710,684
10	2	$412,635	82527	3376	($2,283)	($2,063)	($970)	($11,645)	28466	88384	FALSE	6838	$798,153
11	2	$447,214	89443	3578	($2,283)	($2,236)	($941)	($11,294)	29605	106695	TRUE	7249	$892,869
12	3	$484,689	96938	5688	($4,608)	($3,635)	($2,555)	($30,658)	30789	9888	FALSE	11525	$1,367,228
13	3	$525,306	105061	6029	($4,608)	($3,940)	($2,519)	($30,226)	32021	11682	FALSE	12217	$1,503,088
14	3	$569,325	113865	6390	($4,608)	($4,270)	($2,488)	($29,856)	33301	15128	FALSE	12950	$1,651,543
15	3	$617,034	123407	6772	($4,608)	($4,628)	($2,463)	($29,558)	34634	20203	FALSE	13727	$1,813,470
16	3	$668,740	133748	7178	($4,608)	($5,016)	($2,445)	($29,346)	36019	26876	FALSE	14551	$1,989,814
17	3	$724,780	144956	7607	($4,608)	($5,436)	($2,436)	($29,231)	37460	35104	FALSE	15424	$2,181,583
18	3	$785,515	157103	8063	($4,608)	($5,891)	($2,436)	($29,231)	38958	44831	FALSE	16349	$2,389,866
19	3	$851,340	170268	8546	($4,608)	($6,385)	($2,447)	($29,361)	40516	55986	FALSE	17330	$2,615,825
20	3	$922,681	184536	9058	($4,608)	($6,920)	($2,470)	($29,641)	42137	68482	FALSE	18370	$2,860,714
21	3	$1,000,000	200000	9600	($4,608)	($7,500)	($2,508)	($30,091)	43822	82213	FALSE	19472	$3,125,875

 

 

Plan B
20 Years Ago: Year 1998			Interest Rate		6.50%	Now Year 2018
House price		60000	Growth Rate		4.7%	House price	150000
Rent		600	Rent Growth Rate		4.7%	Rent	1500
Yearly W2 cash for investment		20000	W2 growth rate		4.0%
Cash on hand		40000	Maintenance cost of house price		4.0%
Year	# House Had	House Price	Down Payment	Rent	Mortgage/mo	Insurance, tax, vacancy, management /mo	Cash flow/mo	Cash flow/ye	W2 cash	Total cash	Buy House Next Year?	Principe paid	Net Worth
1	3	$60,000	12000	1800	($910)	($600)	$290	$3,478	20000	27478	TRUE	1667	$41,145
2	5	$62,813	12563	3141	($1,545)	($1,047)	$548	$6,580	20800	42296	TRUE	2959	$192,986
3	8	$65,757	13151	5261	($2,543)	($1,754)	$964	$11,570	21632	62346	TRUE	5042	$430,074
4	12	$68,840	13768	8261	($3,935)	($2,754)	$1,572	$18,863	22497	89938	TRUE	8055	$765,745
5	18	$72,067	14413	12972	($6,122)	($4,324)	$2,526	$30,316	23397	129237	TRUE	12868	$1,289,044
6	26	$75,446	15089	19616	($9,174)	($6,539)	$3,904	$46,843	24333	185324	TRUE	19796	$2,029,309
7	37	$78,983	15797	29224	($13,567)	($9,741)	$5,916	$70,986	25306	265820	TRUE	30002	$3,100,579
8	53	$82,686	16537	43823	($20,257)	($14,608)	$8,959	$107,508	26319	383110	TRUE	45770	$4,723,611
9	75	$86,562	17312	64921	($29,886)	($21,640)	$13,395	$160,739	27371	553908	TRUE	68978	$7,073,196
10	105	$90,620	18124	95151	($43,633)	($31,717)	$19,801	$237,615	28466	801864	TRUE	102847	$10,446,954
11	147	$94,868	18974	139456	($63,780)	($46,485)	$29,190	$350,286	29605	1162782	TRUE	153344	$15,391,755
12	205	$99,316	19863	203597	($92,908)	($67,866)	$42,824	$513,886	30789	1687593	TRUE	227747	$22,558,405
13	286	$103,972	20794	297359	($135,493)	($99,120)	$62,747	$752,963	32021	2451783	TRUE	338388	$33,037,161
14	398	$108,846	21769	433207	($197,136)	($144,402)	$91,669	$1,100,028	33301	3563343	TRUE	501513	$48,235,007
15	554	$113,949	22790	631276	($287,021)	($210,425)	$133,830	$1,605,957	34634	5181144	TRUE	743461	$70,403,145
16	771	$119,291	23858	919731	($417,915)	($306,577)	$195,239	$2,342,869	36019	7536174	TRUE	1101926	$102,705,598
17	1072	$124,883	24977	1338746	($607,989)	($446,249)	$284,508	$3,414,096	37460	10962753	TRUE	1631708	$149,665,381
18	1491	$130,738	26148	1949296	($884,982)	($649,765)	$414,549	$4,974,593	38958	15950157	TRUE	2416990	$218,124,868
19	2073	$136,867	27373	2837243	($1,287,767)	($945,748)	$603,728	$7,244,738	40516	23208038	TRUE	3578871	$317,756,289
20	2882	$143,283	28657	4129412	($1,873,901)	($1,376,471)	$879,041	$10,548,487	42137	33770006	TRUE	5298957	$462,834,114
21	4007	$150,000	30000	6010500	($2,727,193)	($2,003,500)	$1,279,807	$15,357,688	43822	49141516	TRUE	7846308	$674,160,714