我只是说不要算房价涨，只算现金回报。

1.  Base income

rent: 2500/m, tax 7000/y, HOA 185/m,  insurance $500, misc repair $1000/year

annual income: $20180 ~ $20K

2.  all cash:  total investment 430K.  
Annual return:  20K / 430K = 4.6%  

3. 20% down 4% mortage : 
total investment 86K
annual interest ~ $13760, 430K*80%*4%
annual return:  ($20180-13760) / 86K = 7.4%

4.  50% down 4% mortgage:
total investment 215K
annual interest ~ $8600
annual return: (20180-8600)/215K = 5.38%

 

 

所有跟帖： 

• 谢谢，如果我理解正确，这个投资是可以的 -hz82000- ♀ (0 bytes) () 04/11/2020 postreply 12:53:00