回复：应该是用现金还是贷款购房？

来源: 于 2011-03-07 20:44:44 [旧帖] [给我悄悄话] 本文已被阅读：次

To prove your analysis.

   With loan   All cash 
Purchase price                   319,000                   319,000
Loan amount                   160,000                             -  
Actual investment                   159,000                     319,000
Living Area                      2,400                      2,400
Month rental income                      2,000                      2,000
Price per Sq Ft                         133                           133
Monthly rental commission-10%                         200                         200
Annual property tax rate 1.5% 1.5%
Annual property tax                      4,785                      4,785
Annual maintenance/insurance                      2,000                      2,000
Interest deduction                      8,000  
Annual income before depreciation                      6,815                     14,815
     
Depreciation                      7,975                      7,975
Taxable income                           -                        6,840
Income tax due                           -                        2,736
After tax income                           -                        4,104
     
Annual cash flow income                      7,975                     12,079
Annual return on investment 5.0% 3.8%