大家帮我把把关， 谢谢

Homepath property. There are multiple cash offer within the first look period, the highest bid blackout and the period expired. So I called the list agent, put offer in and the bank "highest and best" a few round for the last two weeks since offs keep come in.

I was accepted today and try to make the decision now.

Fact:
Condo, build in 2005, 3/2, 1133 ft. Fee: $175 tax: -$1400. Rent is -$1300.
10% down, 90% loan at 5% for 30 years. Closing cost $4000. Need about $2000 rehab.

Contract $112k.

Is this worth it? If I have one month vacancy, return around 8%. Two month, loss. No vacant around 15%.

所有跟帖： 

• 听上去很好 ，我们这里（SD)已经买不到return这么好的房子了 -xixi2009- ♀ (51 bytes) () 04/04/2013 postreply 10:55:13

• 贷款买的压力大，一月，两月空置就亏掉了。不知道这是不是我的错觉。 -youda- ♀ (0 bytes) () 04/04/2013 postreply 12:13:57

• 是你第一个投资房吗? 怎么这么没信心? -不痛不痒- ♂ (233 bytes) () 04/04/2013 postreply 13:41:34

• 第一个贷款房，领导更保守。坚持有现金流。我加价2w拿到，估计短时间内不会升值 -youda- ♀ (0 bytes) () 04/04/2013 postreply 14:28:34

• 回复：大家帮我把把关， 谢谢 -yaheebay- ♀ (323 bytes) () 04/04/2013 postreply 14:12:49

• 我觉得你这个收益应该很好的呀。 -gqc- ♀ (232 bytes) () 04/04/2013 postreply 14:44:49

• 没空置＜3 千现金流。因为保险贵。最多空两月持平。第一次贷这种款，费用和利率很是估计的。小额homepath loan, 不知谁 -youda- ♀ (0 bytes) () 04/04/2013 postreply 15:11:11