一个典型房地产炒家的得意算盘。

现在房地产市值300万。贷款200万。
十年后翻一番，600万。贷款剩170万。6% 利率。三十年固定利率。
目前月负$12000(PI)+$3000(TI)+1000(HOA)= $16000
房租$16000.

今后十年内，每年租金涨5%， 月租金，月余及年余如下：
2007 16000 0 0
2008 16800 800 9600
2009 17640 1640 19680
2010 18522 2522 30264
2011 19448 3448 41377
2012 20421 4421 53046
2013 21442 5442 65298
2014 22514 6514 78163
2015 23639 7639 91671
2016 24821 8821 105855
2017 26062 10062 120748

每月剩余租金再投资，按照百分之十的利润，是二十三万。以下计算。

2007 $0 $0
2008 $9,600 $9,600 （= 0 * 1.1+9600）
2009 $19,680 $30,240
2010 $30,264 $51,912
2011 $41,377 $74,668
2012 $53,046 $98,561
2013 $65,298 $123,649
2014 $78,163 $149,991
2015 $91,671 $177,651
2016 $105,855 $206,694
2017 $120,748 $237,188

那么，净资产是：

600万-170万+23万 = $453万。

假若用剩余租金每年再买一栋30万的房子。前几年剩余租金不够，要用现有房子的净值或用工资补贴。后几年用不完。租金与花费持平。那么。
年份// 买入房价//总市值（所有）//贷款（每栋）//十年后贷款余额（每栋）
2008 300000 300000 270000 225461
2009 321000 642000 288900 247353
2010 343470 1030410 309123 270826
2011 367513 1470052 330762 295992
2012 393239 1966194 353915 322859
2013 420766 2524593 378689 351878
2014 450219 3151534 405197 382863
2015 481734 3853876 433561 416062
2016 515456 4639103 463910 451644
2017 551538 5515378 496384 489762

十年后贷款总额是最后一栏的总和 = $3,454,700

今后十年投资效益 = $5,515,378 - $3,454,700 = $2,060,677

净资产是 $600万 - $170万 + $206万 = $736 万。

可以退休了。

所有跟帖： 

• 净资产是 $600 - $170 + $206 = $636 万。 -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:16:39

• But you know $636W will only worht 200W of today's value -miat42- ♂ (0 bytes) () 06/16/2007 postreply 08:30:06

• In ten years? I think at least $3M -va_landlord- ♂ (0 bytes) () 06/16/2007 postreply 10:54:51

• 好！顶顶顶！可惜现在时间金钱都玩不了这么大的 -抛玉引砖- ♂ (0 bytes) () 06/15/2007 postreply 19:16:59

• Fraud: 十年后翻一番. Day dream -IronChef2- ♂ (0 bytes) () 06/15/2007 postreply 19:17:47

• It is a dream. Life cannot be without dream! -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:21:35

• OK, if you want to dream, make a better one! -IronChef2- ♂ (33 bytes) () 06/15/2007 postreply 19:31:53

• I know I never have that luck with lottery -va_landlord- ♂ (97 bytes) () 06/15/2007 postreply 19:35:53

• Good luck to you! -IronChef2- ♂ (0 bytes) () 06/15/2007 postreply 19:37:13

• Thank you! -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:41:30

• 十年后番一番? 有了这句你还写下面那些玩意儿干什么? -塔虹- ♂ (0 bytes) () 06/15/2007 postreply 19:23:34

• In Washington DC Metro region, RE more than double in ten years -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:25:42

• Ask Miat about this! -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:26:11

• You mean in past . -塔虹- ♂ (0 bytes) () 06/15/2007 postreply 19:29:05

• History will repeat itself。 -va_landlord- ♂ (0 bytes) () 06/15/2007 postreply 19:33:10

• Depends on how many times it can repeat in your life time. -塔虹- ♂ (0 bytes) () 06/15/2007 postreply 19:39:13

• Maybe only a few times. But how much money do you want -使劲想- ♂ (84 bytes) () 06/16/2007 postreply 03:13:49

• Did you see my other post predicting 3000% in 50 years? -miat42- ♂ (80 bytes) () 06/16/2007 postreply 08:23:10

• The speed of future double will be faster because -miat42- ♂ (481 bytes) () 06/16/2007 postreply 08:19:52

• 这位朋友，说话要有礼貌。 -bayfamily- ♂ (0 bytes) () 06/16/2007 postreply 13:35:22

• V同学也耒算账哈、、、 -小小石头- ♂ (0 bytes) () 06/15/2007 postreply 19:29:23

• 都挺会算涨的 -表情符号- ♀ (0 bytes) () 06/15/2007 postreply 19:51:11

• Ding! You will achieve that. -cultuslake- ♂ (12 bytes) () 06/15/2007 postreply 19:53:59

• Thank you! -va_landlord- ♂ (15 bytes) () 06/15/2007 postreply 19:59:55

• 我看没什么问题， 加油！ -bayfamily- ♂ (120 bytes) () 06/15/2007 postreply 21:42:24

• 更大胆的炒法 -使劲想- ♂ (191 bytes) () 06/16/2007 postreply 02:08:27

• 是建商不是奸商 -使劲想- ♂ (18 bytes) () 06/16/2007 postreply 02:11:32

• a glitch -永远在练习- ♀ (1254 bytes) () 06/16/2007 postreply 13:02:03

• 我只知道一个道理，真正的好的东西是不可能有人那出来讨论的。 -kickyoupig- ♂ (14 bytes) () 06/16/2007 postreply 20:21:48

• 不对。烂在心里的才多半是臭主意 -BayFamily- ♂ (34 bytes) () 06/17/2007 postreply 11:44:34

• Wrong! Truism about real estate was talked in the 60s. -miat42- ♂ (358 bytes) () 06/18/2007 postreply 08:45:08

• Why no landloard mentioned about sales tax of RE -Sunflower28- ♂ (96 bytes) () 06/17/2007 postreply 14:29:07

• No sales tax if you live in for 2 years. -miat42- ♂ (59 bytes) () 06/18/2007 postreply 08:46:24

• Thanks -sunflower28- ♂ (0 bytes) () 06/18/2007 postreply 18:45:59

• how could you raise 5% a year for long-term tenant, I never did. -everafter- ♀ (0 bytes) () 06/18/2007 postreply 10:18:40

• That assumption is so important. But -zhao123- ♀ (30 bytes) () 06/18/2007 postreply 11:59:55

• where is maintenance fee? Tax, HOA go up too -xyz100- ♂ (0 bytes) () 06/21/2007 postreply 19:30:16