假设地皮占30%， 税率35%
| Plan A | |||||||||||||||
| 20 Years Ago: Year 1998 | Interest Rate | 6.00% | Now Year 2018 | Land value % | 30.0% | ||||||||||
| House price | 200000 | House Price Growth Rate | 8.4% | House price | 1000000 | Fed+ State Tax rate | 35.0% | ||||||||
| Rent | 1000 | Rent Growth Rate | 6.0% | Rent | 3200 | ||||||||||
| Yearly W2 cash for investment | 1900 | W2 growth rate | -1.0% | ||||||||||||
| Cash on hand | 40000 | Maintenance cost of house price | 3.0% | ||||||||||||
| Management fee | 7.0% | Leasing fee of rent | 70.0% | ||||||||||||
| Year | # House Had | House Price | Down Payment | Rent | Mortgage/mo | Insurance, tax, vacancy, management /mo | House Purchased Value | Cash flow/mo | Cash flow/ye | W2 cash | Tax Refund | Total cash | Buy House Next Year? | Principe paid | Net Worth |
| 1 | 1 | $200,000 | 40000 | 1000 | ($959) | ($570) | $200,000 | ($529) | ($6,351) | 1900 | 4005 | -447 | FALSE | 2024 | $41,577 |
| 2 | 1 | $216,760 | 43352 | 1060 | ($959) | ($616) | $200,000 | ($515) | ($6,186) | 1881 | 3947 | -805 | FALSE | 2145 | $60,124 |
| 3 | 1 | $234,924 | 46985 | 1123 | ($959) | ($666) | $200,000 | ($502) | ($6,023) | 1862 | 3890 | -1075 | FALSE | 2274 | $80,292 |
| 4 | 1 | $254,610 | 50922 | 1191 | ($959) | ($720) | $200,000 | ($489) | ($5,862) | 1844 | 3834 | -1260 | FALSE | 2410 | $102,203 |
| 5 | 1 | $275,946 | 55189 | 1262 | ($959) | ($778) | $200,000 | ($476) | ($5,707) | 1825 | 3779 | -1363 | FALSE | 2555 | $125,992 |
| 6 | 1 | $299,070 | 59814 | 1337 | ($959) | ($841) | $200,000 | ($463) | ($5,557) | 1807 | 3727 | -1386 | FALSE | 2708 | $151,800 |
| 7 | 1 | $324,131 | 64826 | 1418 | ($959) | ($910) | $200,000 | ($451) | ($5,415) | 1789 | 3677 | -1336 | FALSE | 2871 | $179,783 |
| 8 | 1 | $351,293 | 70259 | 1502 | ($959) | ($983) | $200,000 | ($440) | ($5,283) | 1771 | 3631 | -1217 | FALSE | 3043 | $210,107 |
| 9 | 1 | $380,731 | 76146 | 1592 | ($959) | ($1,063) | $200,000 | ($430) | ($5,162) | 1753 | 3588 | -1037 | FALSE | 3226 | $242,951 |
| 10 | 1 | $412,635 | 82527 | 1688 | ($959) | ($1,150) | $200,000 | ($421) | ($5,055) | 1736 | 3551 | -805 | FALSE | 3419 | $278,506 |
| 11 | 1 | $447,214 | 89443 | 1789 | ($959) | ($1,243) | $200,000 | ($414) | ($4,964) | 1718 | 3519 | -531 | FALSE | 3624 | $316,982 |
| 12 | 1 | $484,689 | 96938 | 1896 | ($959) | ($1,344) | $200,000 | ($408) | ($4,893) | 1701 | 3494 | -229 | FALSE | 3842 | $358,602 |
| 13 | 1 | $525,306 | 105061 | 2010 | ($959) | ($1,454) | $200,000 | ($404) | ($4,844) | 1684 | 3477 | 88 | FALSE | 4072 | $403,608 |
| 14 | 1 | $569,325 | 113865 | 2130 | ($959) | ($1,572) | $200,000 | ($402) | ($4,822) | 1667 | 3470 | 403 | FALSE | 4317 | $452,259 |
| 15 | 1 | $617,034 | 123407 | 2257 | ($959) | ($1,701) | $200,000 | ($403) | ($4,830) | 1651 | 3472 | 696 | FALSE | 4576 | $504,836 |
| 16 | 1 | $668,740 | 133748 | 2393 | ($959) | ($1,839) | $200,000 | ($406) | ($4,873) | 1634 | 3487 | 945 | FALSE | 4850 | $561,642 |
| 17 | 1 | $724,780 | 144956 | 2536 | ($959) | ($1,989) | $200,000 | ($413) | ($4,955) | 1618 | 3516 | 1124 | FALSE | 5141 | $623,001 |
| 18 | 1 | $785,515 | 157103 | 2688 | ($959) | ($2,152) | $200,000 | ($424) | ($5,082) | 1602 | 3561 | 1203 | FALSE | 5450 | $689,266 |
| 19 | 1 | $851,340 | 170268 | 2849 | ($959) | ($2,328) | $200,000 | ($438) | ($5,261) | 1586 | 3623 | 1151 | FALSE | 5777 | $760,816 |
| 20 | 1 | $922,681 | 184536 | 3019 | ($959) | ($2,518) | $200,000 | ($458) | ($5,497) | 1570 | 3706 | 929 | FALSE | 6123 | $838,058 |
| 21 | 1 | $1,000,000 | 200000 | 3200 | ($959) | ($2,724) | $200,000 | ($483) | ($5,799) | 1554 | 3812 | 496 | FALSE | 6491 | $921,434 |
| Plan B | |||||||||||||||
| 20 Years Ago: Year 1998 | Interest Rate | 6.50% | Now Year 2018 | Land value % | 30.0% | ||||||||||
| House price | 60000 | House Price Growth Rate | 4.7% | House price | 150000 | Fed+ State Tax rate | 35.0% | ||||||||
| Rent | 600 | Rent Growth Rate | 4.7% | Rent | 1500 | ||||||||||
| Yearly W2 cash for investment | 1900 | W2 growth rate | -1.0% | ||||||||||||
| Cash on hand | 40000 | Maintenance cost of house price | 4.0% | ||||||||||||
| Management fee of rent | 7.0% | Leasing fee of rent | 70.0% | ||||||||||||
| Year | # House Had | House Price | Down Payment | Rent | Mortgage/mo | Insurance, tax, vacancy, management /mo | House Purchased Value | Cash flow/mo | Cash flow/ye | W2 cash | Tax Refund | Total cash | Buy House Next Year? | Principe paid | Net Worth |
| 1 | 3 | $60,000 | 12000 | 1800 | ($910) | ($831) | $180,000 | $59 | $706 | 1900 | 1357 | 7962 | FALSE | 1667 | $45,630 |
| 2 | 3 | $62,813 | 12563 | 1884 | ($910) | ($870) | $180,000 | $104 | $1,251 | 1881 | 1166 | 12260 | FALSE | 1776 | $60,141 |
| 3 | 3 | $65,757 | 13151 | 1973 | ($910) | ($911) | $180,000 | $152 | $1,822 | 1862 | 966 | 16910 | TRUE | 1891 | $75,516 |
| 4 | 4 | $68,840 | 13768 | 2754 | ($1,258) | ($1,271) | $248,840 | $224 | $2,689 | 1844 | 1276 | 8950 | FALSE | 2685 | $148,330 |
| 5 | 4 | $72,067 | 14413 | 2883 | ($1,258) | ($1,331) | $248,840 | $294 | $3,523 | 1825 | 984 | 15282 | TRUE | 2860 | $170,431 |
| 6 | 5 | $75,446 | 15089 | 3772 | ($1,640) | ($1,742) | $324,286 | $391 | $4,692 | 1807 | 1247 | 7939 | FALSE | 3807 | $255,854 |
| 7 | 5 | $78,983 | 15797 | 3949 | ($1,640) | ($1,823) | $324,286 | $486 | $5,834 | 1789 | 847 | 16409 | FALSE | 4054 | $286,063 |
| 8 | 5 | $82,686 | 16537 | 4134 | ($1,640) | ($1,909) | $324,286 | $586 | $7,030 | 1771 | 429 | 25639 | TRUE | 4318 | $318,125 |
| 9 | 6 | $86,562 | 17312 | 5194 | ($2,077) | ($2,398) | $410,848 | $718 | $8,622 | 1753 | 643 | 19344 | TRUE | 5518 | $423,292 |
| 10 | 7 | $90,620 | 18124 | 6343 | ($2,536) | ($2,929) | $501,468 | $879 | $10,550 | 1736 | 775 | 14281 | FALSE | 6856 | $540,053 |
| 11 | 7 | $94,868 | 18974 | 6641 | ($2,536) | ($3,066) | $501,468 | $1,039 | $12,471 | 1718 | 103 | 28573 | TRUE | 7302 | $591,386 |
| 12 | 8 | $99,316 | 19863 | 7945 | ($3,038) | ($3,668) | $600,784 | $1,239 | $14,872 | 1701 | 147 | 25430 | TRUE | 8888 | $727,578 |
| 13 | 9 | $103,972 | 20794 | 9357 | ($3,564) | ($4,320) | $704,756 | $1,474 | $17,686 | 1684 | 89 | 24094 | TRUE | 10649 | $878,110 |
| 14 | 10 | $108,846 | 21769 | 10885 | ($4,114) | ($5,025) | $813,602 | $1,746 | $20,946 | 1667 | -83 | 24856 | TRUE | 12601 | $1,044,187 |
| 15 | 11 | $113,949 | 22790 | 12534 | ($4,690) | ($5,787) | $927,550 | $2,057 | $24,690 | 1651 | -378 | 28029 | TRUE | 14762 | $1,227,097 |
| 16 | 12 | $119,291 | 23858 | 14315 | ($5,293) | ($6,609) | $1,046,841 | $2,413 | $28,953 | 1634 | -807 | 33951 | TRUE | 17151 | $1,428,222 |
| 17 | 13 | $124,883 | 24977 | 16235 | ($5,925) | ($7,495) | $1,171,724 | $2,815 | $33,778 | 1618 | -1383 | 42987 | TRUE | 19788 | $1,649,037 |
| 18 | 14 | $130,738 | 26148 | 18303 | ($6,586) | ($8,450) | $1,302,461 | $3,267 | $39,208 | 1602 | -2119 | 55529 | TRUE | 22695 | $1,891,121 |
| 19 | 16 | $136,867 | 27373 | 21899 | ($7,970) | ($10,110) | $1,576,195 | $3,819 | $45,824 | 1586 | -1996 | 73570 | TRUE | 27623 | $2,296,323 |
| 20 | 18 | $143,283 | 28657 | 25791 | ($9,419) | ($11,907) | $1,862,760 | $4,465 | $53,580 | 1570 | -2157 | 97905 | TRUE | 33095 | $2,742,981 |
| 21 | 21 | $150,000 | 30000 | 31500 | ($11,695) | ($14,543) | $2,312,760 | $5,263 | $63,155 | 1554 | -1500 | 131115 | TRUE | 41121 | $3,388,220 |
