my original assumption:
| 房产 | 买入价 | 银行贷款额 | 实际投资额 | 第0年Bal | 年开支 | 年收入 | 净收入 | 第1年Bal | inflow/outflow | 回报率 |
| 甲房 | 50000.00 | 0.00 | 50000.00 | -50000 | 2500.00 | 5000.00 | 2500.00 | 2500 | 5.00% | 5.00% |
| 乙房 | 50000.00 | 0.00 | 50000.00 | -50000 | 2500.00 | 0.00 | -2500.00 | -2500 | -5.00% | -5.00% |
| 丙房 | 50000.00 | 100000.00 | -50000.00 | 50000 | 2500.00 | 5000.00 | 2500.00 | 2500 | 205.00% | -5.00% |
| 丁房 | 50000.00 | 100000.00 | -50000.00 | 50000 | 2500.00 | 0.00 | -2500.00 | -2500 | 195.00% | 5.00% |
it may be difficult to judge which one is better between A甲房 and D丁房
let me assume:
| 房产 | 买入价 | 银行贷款额 | 实际投资额 | 第0年Bal | 年开支 | 年收入 | 净收入 | 第1年Bal | inflow/outflow | 回报率 |
| 甲房 | 50000.00 | 0.00 | 50000.00 | -50000 | 2500.00 | 10000.00 | 7500.00 | 7500.00 | 15.00% | 15.00% |
| 乙房 | 50000.00 | 0.00 | 50000.00 | -50000 | 2500.00 | 0.00 | -2500.00 | -2500.00 | -5.00% | -5.00% |
| 丙房 | 50000.00 | 100000.00 | -50000.00 | 50000 | 2500.00 | 5000.00 | 2500.00 | 2500.00 | 205.00% | -5.00% |
| 丁房 | 50000.00 | 100000.00 | -50000.00 | 50000 | 7500.00 | 0.00 | -7500.00 | -7500.00 | 185.00% | 15.00% |
here, according to your ratio, D is much much better than A: 185% vs 15%, and ROI give the same: 15%.
but basic instinct: A: you can earn $7500 on 50k investment, cannot complain.
while for D: you have to lose $7500 each year with 50k cash out at the begining, it's equvalent to borrow a loan of 50k with 15% interest rate, very bad!
I hope this makes my point clearer.
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