满足你，差距进一步缩小了。

Plan A
20 Years Ago: Year 1998			Interest Rate		6.00%	Now Year 2018
House price		200000	House Price Growth Rate		8.4%	House price	1000000
Rent		1000	Rent Growth Rate		6.0%	Rent	3200
Yearly W2 cash for investment		0	W2 growth rate		4.0%
Cash on hand		40000	Maintenance cost of house price		3.0%
			Management fee		7.0%	Leasing fee of rent	70.0%
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)	($628)	($588)	($7,051)	0	-7051	FALSE	2024	$34,972
2	1	$216,760	43352	1060	($959)	($678)	($577)	($6,928)	0	-13979	FALSE	2145	$46,950
3	1	$234,924	46985	1123	($959)	($731)	($567)	($6,809)	0	-20788	FALSE	2274	$60,579
4	1	$254,610	50922	1191	($959)	($789)	($558)	($6,696)	0	-27484	FALSE	2410	$75,980
5	1	$275,946	55189	1262	($959)	($852)	($549)	($6,590)	0	-34074	FALSE	2555	$93,280
6	1	$299,070	59814	1337	($959)	($919)	($541)	($6,493)	0	-40567	FALSE	2708	$112,619
7	1	$324,131	64826	1418	($959)	($992)	($534)	($6,408)	0	-46975	FALSE	2871	$134,144
8	1	$351,293	70259	1502	($959)	($1,071)	($528)	($6,334)	0	-53309	FALSE	3043	$158,014
9	1	$380,731	76146	1592	($959)	($1,156)	($523)	($6,276)	0	-59586	FALSE	3226	$184,401
10	1	$412,635	82527	1688	($959)	($1,248)	($520)	($6,236)	0	-65822	FALSE	3419	$213,489
11	1	$447,214	89443	1789	($959)	($1,348)	($518)	($6,216)	0	-72038	FALSE	3624	$245,475
12	1	$484,689	96938	1896	($959)	($1,455)	($518)	($6,220)	0	-78259	FALSE	3842	$280,573
13	1	$525,306	105061	2010	($959)	($1,571)	($521)	($6,251)	0	-84510	FALSE	4072	$319,010
14	1	$569,325	113865	2130	($959)	($1,697)	($526)	($6,313)	0	-90823	FALSE	4317	$361,034
15	1	$617,034	123407	2257	($959)	($1,832)	($534)	($6,410)	0	-97233	FALSE	4576	$406,908
16	1	$668,740	133748	2393	($959)	($1,979)	($546)	($6,547)	0	-103780	FALSE	4850	$456,917
17	1	$724,780	144956	2536	($959)	($2,137)	($561)	($6,730)	0	-110510	FALSE	5141	$511,367
18	1	$785,515	157103	2688	($959)	($2,309)	($580)	($6,964)	0	-117474	FALSE	5450	$570,589
19	1	$851,340	170268	2849	($959)	($2,494)	($605)	($7,255)	0	-124729	FALSE	5777	$634,935
20	1	$922,681	184536	3019	($959)	($2,694)	($634)	($7,611)	0	-132340	FALSE	6123	$704,789
21	1	$1,000,000	200000	3200	($959)	($2,911)	($670)	($8,039)	0	-140379	FALSE	6491	$780,559

 

 

 

Plan B
20 Years Ago: Year 1998			Interest Rate		6.50%	Now Year 2018
House price		60000	House Price Growth Rate		4.7%	House price	150000
Rent		600	Rent Growth Rate		4.7%	Rent	1500
Yearly W2 cash for investment		0	W2 growth rate		4.0%
Cash on hand		40000	Maintenance cost of house price		4.0%
			Management fee of rent		7.0%	Leasing fee of rent	70.0%
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)	($831)	$59	$706	0	4706	FALSE	1667	$42,373
2	3	$62,813	12563	1884	($910)	($870)	$104	$1,251	0	5957	FALSE	1776	$53,838
3	3	$65,757	13151	1973	($910)	($911)	$152	$1,822	0	7779	FALSE	1891	$66,385
4	3	$68,840	13768	2065	($910)	($953)	$202	$2,419	0	10198	FALSE	2014	$80,066
5	3	$72,067	14413	2162	($910)	($998)	$254	$3,045	0	13242	FALSE	2145	$94,937
6	3	$75,446	15089	2263	($910)	($1,045)	$308	$3,699	0	16941	TRUE	2284	$111,056
7	4	$78,983	15797	3159	($1,310)	($1,459)	$391	$4,694	0	5839	FALSE	3243	$192,791
8	4	$82,686	16537	3307	($1,310)	($1,527)	$471	$5,651	0	11491	FALSE	3454	$216,707
9	4	$86,562	17312	3462	($1,310)	($1,599)	$554	$6,653	0	18144	TRUE	3679	$242,544
10	5	$90,620	18124	4531	($1,768)	($2,092)	$671	$8,057	0	8076	FALSE	4897	$344,227
11	5	$94,868	18974	4743	($1,768)	($2,190)	$786	$9,429	0	17505	FALSE	5216	$380,113
12	5	$99,316	19863	4966	($1,768)	($2,293)	$905	$10,866	0	28371	TRUE	5555	$418,771
13	6	$103,972	20794	6238	($2,294)	($2,880)	$1,065	$12,777	0	20354	FALSE	7099	$545,104
14	6	$108,846	21769	6531	($2,294)	($3,015)	$1,222	$14,666	0	35020	TRUE	7560	$596,577
15	7	$113,949	22790	7976	($2,870)	($3,682)	$1,424	$17,091	0	29322	TRUE	9394	$744,837
16	8	$119,291	23858	9543	($3,473)	($4,406)	$1,665	$19,975	0	25438	TRUE	11434	$909,071
17	9	$124,883	24977	11239	($4,104)	($5,189)	$1,946	$23,354	0	23816	FALSE	13699	$1,090,770
18	9	$130,738	26148	11766	($4,104)	($5,432)	$2,230	$26,758	0	50574	TRUE	14589	$1,184,809
19	10	$136,867	27373	13687	($4,796)	($6,319)	$2,572	$30,858	0	54059	TRUE	17264	$1,397,585
20	11	$143,283	28657	15761	($5,521)	($7,276)	$2,964	$35,565	0	60968	TRUE	20225	$1,632,165
21	13	$150,000	30000	19500	($7,038)	($9,002)	$3,460	$41,515	0	72483	TRUE	25456	$2,043,024

 

所有跟帖： 

• 1:3, 真是没想到差距这么大，谢谢快兄！ -若拙- ♀ (0 bytes) () 11/09/2018 postreply 11:34:49

• 更公平一点： 每年充值7400. A可以达到收支平衡。A：920万 B：8米 -rapidestate- ♂ (24374 bytes) () 11/09/2018 postreply 11:36:43

• Please also add in personal income tax -- Plan A has a lot of de -svll- ♂ (0 bytes) () 11/09/2018 postreply 11:48:14

• It's complicated. A需要1900才能收支平衡 -rapidestate- ♂ (26915 bytes) () 11/09/2018 postreply 12:38:42

• Thanks for taking that in -svll- ♂ (143 bytes) () 11/09/2018 postreply 13:29:38

• 看不懂，为什么plan a 920万，plan b 800.万？ -沙沦的玫瑰花- ♀ (0 bytes) () 11/09/2018 postreply 12:22:18