上次谈到的那个房子(http://bbs.wenxuecity.com/tzlc/417951.html),终于落幕了。这个房子在现在的南湾是可遇不可求,贴出来对大家没有什么帮助。本不想拿出来说的,由于上次有朋友建议古石完了后,再拿出来看看,所以就贴出来了。还在学习怎么算回报,如果有误,谢谢指教。谢谢大家。古石。
Price Down Payment
$341,200.00 $106,693.24
Loan LTV Ratio Loan Amount
68.73% $234,506.76
Closing Cost Loan Interest/Yr
$0.00 3.875%
Property Tax Rate Loan Period (Year)
1.34% 30
Property Tax /Yr Initial Repair
$4,572.08 $5,000.00
Insurance/Yr Months required to fix
$1,900.00 0.50
HOA Fee/month + Gardner Fee Yearly Repair
$0.00 $837.50
Yearly Termite Control Depreciation
$558.33 $4363.64
Square Footage Yearly Mortgage Payment
1,850 $13,232.85
Price / Sf Yearly Interest Payment
$187.14 $9,087.14
Monthly Rent Yearly Rent Income
$3,350.00 $30,322.09
Vacancy Rate Yearly Cash Flow
5.00% $17,089.23
Cap Rate Cash-on-Cash Return (Yearly)
8.72 15.07%
Yearly Appreciation 4.00% (assuming)
Investment Years Total Investment Return (ROI)
5 139.69%
10 317.41%
15 516.98%
Note: Pre capital gain tax (18%). Depreciation not included as it is to cancel each year's rental income to reduce each year's income tax already, so it is a tax deferring vehicle.
Thanks,
古石