7%的管理费。A一直都是负现金流。B回报下降明显

 

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%
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)	($570)	($529)	($6,351)	0	-6351	FALSE	2024	$35,672
2	1	$216,760	43352	1060	($959)	($616)	($515)	($6,186)	0	-12537	FALSE	2145	$48,392
3	1	$234,924	46985	1123	($959)	($666)	($502)	($6,023)	0	-18560	FALSE	2274	$62,807
4	1	$254,610	50922	1191	($959)	($720)	($489)	($5,862)	0	-24422	FALSE	2410	$79,041
5	1	$275,946	55189	1262	($959)	($778)	($476)	($5,707)	0	-30129	FALSE	2555	$97,226
6	1	$299,070	59814	1337	($959)	($841)	($463)	($5,557)	0	-35686	FALSE	2708	$117,501
7	1	$324,131	64826	1418	($959)	($910)	($451)	($5,415)	0	-41101	FALSE	2871	$140,018
8	1	$351,293	70259	1502	($959)	($983)	($440)	($5,283)	0	-46384	FALSE	3043	$164,940
9	1	$380,731	76146	1592	($959)	($1,063)	($430)	($5,162)	0	-51546	FALSE	3226	$192,441
10	1	$412,635	82527	1688	($959)	($1,150)	($421)	($5,055)	0	-56601	FALSE	3419	$222,711
11	1	$447,214	89443	1789	($959)	($1,243)	($414)	($4,964)	0	-61565	FALSE	3624	$255,949
12	1	$484,689	96938	1896	($959)	($1,344)	($408)	($4,893)	0	-66458	FALSE	3842	$292,374
13	1	$525,306	105061	2010	($959)	($1,454)	($404)	($4,844)	0	-71302	FALSE	4072	$332,218
14	1	$569,325	113865	2130	($959)	($1,572)	($402)	($4,822)	0	-76124	FALSE	4317	$375,732
15	1	$617,034	123407	2257	($959)	($1,701)	($403)	($4,830)	0	-80954	FALSE	4576	$423,186
16	1	$668,740	133748	2393	($959)	($1,839)	($406)	($4,873)	0	-85827	FALSE	4850	$474,870
17	1	$724,780	144956	2536	($959)	($1,989)	($413)	($4,955)	0	-90782	FALSE	5141	$531,096
18	1	$785,515	157103	2688	($959)	($2,152)	($424)	($5,082)	0	-95864	FALSE	5450	$592,199
19	1	$851,340	170268	2849	($959)	($2,328)	($438)	($5,261)	0	-101125	FALSE	5777	$658,539
20	1	$922,681	184536	3019	($959)	($2,518)	($458)	($5,497)	0	-106622	FALSE	6123	$730,506
21	1	$1,000,000	200000	3200	($959)	($2,724)	($483)	($5,799)	0	-112422	FALSE	6491	$808,516

 

 

 

 

 

 

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		7.0%
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)	($726)	$164	$1,966	0	5966	FALSE	1667	$43,633
2	3	$62,813	12563	1884	($910)	($760)	$214	$2,570	0	8536	FALSE	1776	$56,417
3	3	$65,757	13151	1973	($910)	($796)	$267	$3,203	0	11738	FALSE	1891	$70,345
4	3	$68,840	13768	2065	($910)	($833)	$322	$3,865	0	15603	TRUE	2014	$85,471
5	4	$72,067	14413	2883	($1,275)	($1,163)	$445	$5,345	0	6535	FALSE	2860	$161,012
6	4	$75,446	15089	3018	($1,275)	($1,217)	$526	$6,313	0	12847	FALSE	3046	$183,884
7	4	$78,983	15797	3159	($1,275)	($1,274)	$610	$7,326	0	20173	TRUE	3243	$208,601
8	5	$82,686	16537	4134	($1,693)	($1,667)	$774	$9,289	0	12925	FALSE	4318	$303,167
9	5	$86,562	17312	4328	($1,693)	($1,746)	$890	$10,677	0	23602	TRUE	4599	$337,824
10	6	$90,620	18124	5437	($2,151)	($2,193)	$1,093	$13,119	0	18597	FALSE	5877	$449,607
11	6	$94,868	18974	5692	($2,151)	($2,296)	$1,245	$14,944	0	33542	TRUE	6259	$496,300
12	7	$99,316	19863	6952	($2,653)	($2,804)	$1,495	$17,940	0	31618	TRUE	7777	$628,154
13	8	$103,972	20794	8318	($3,179)	($3,355)	$1,784	$21,409	0	32233	TRUE	9465	$774,797
14	9	$108,846	21769	9796	($3,729)	($3,951)	$2,116	$25,390	0	35853	TRUE	11341	$937,598
15	10	$113,949	22790	11395	($4,305)	($4,596)	$2,494	$29,922	0	42985	TRUE	13420	$1,118,023
16	11	$119,291	23858	13122	($4,909)	($5,293)	$2,921	$35,050	0	54177	TRUE	15721	$1,317,646
17	13	$124,883	24977	16235	($6,172)	($6,548)	$3,515	$42,182	0	71383	TRUE	19788	$1,665,922
18	15	$130,738	26148	19611	($7,494)	($7,910)	$4,207	$50,487	0	95723	TRUE	24316	$2,052,161
19	18	$136,867	27373	24636	($9,570)	($9,937)	$5,130	$61,554	0	129904	TRUE	31076	$2,619,953
20	22	$143,283	28657	31522	($12,468)	($12,714)	$6,340	$76,083	0	177330	TRUE	40450	$3,396,455
21	27	$150,000	30000	40500	($16,260)	($16,335)	$7,905	$94,855	0	242185	TRUE	52870	$4,411,956
22	34	$157,032	31406	53391	($21,819)	($21,534)	$10,038	$120,454	0	331233	TRUE	70905	$5,860,998

所有跟帖： 

• 这还没有算leasing fee，假设每年都要换房客，70% leasing fee，会怎么样？ -若拙- ♀ (103 bytes) () 11/09/2018 postreply 11:16:19

• 满足你，差距进一步缩小了。 -rapidestate- ♂ (24167 bytes) () 11/09/2018 postreply 11:26:57

• 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