月租金是房价的1%。
这是他给我的BREAKDOWN:
Purchase Price $159,875.00
20% down - 31,975.00
Loan Amount $127,900.00
Principal and Interest at 4% $610.61
Taxes at 2.48% of purchase price divide by 12 $330.41 ($3964.90 year est.)
Insurance at $1500.00 annual divide by 12 months $125.00
Total Monthly obligation for home $1066.02
Rent Received monthly from Ralph $1500.00
Less Total Monthly obligation $1066.02
Monthly income $ 433.98
2 year income $433.98 X 24 = $10,415.52
Return on investment $10,415.52 divide by $31,975.00 investment = 32.57% return on investment.
理想的计划是这样的：
两年后，同事将以原价购买该房。由于他个人原因（credit problem），他现在不能买房。两年后可以买。
怎样操作？Option to sell? （收他5K - 10K 以防到时房价跌了他反悔了？）听说如果我以投资出租房贷款，利息会较高，可以以自住房贷款吗？不会有FRAUD吧？感谢指教。
