Sell or Lease: I want to hear your 2 cents

来源: iamcc 于 2012-12-20 20:28:41 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (1022 bytes)

I bought this single family at 2005 for 430K and invested 60K to upgrade. If I want to sell the house today, I can expect to sale for 420K to 430K and the net proceeds after agent fee would be about 400K. So I will lose 90K if I sell the home today. However, I can free up 150K cash to do other investment.

My other alternative is to rent the house for a monthly income around $2200 and my monthly mortgage interest is 490 and property tax and insurance is about 430. I have a 10 year fix loan right now and monthly payment is around 2800 which include 1800 principle, 490 tax and 430 escrow. I will have a negative cash flow if I keep my current 10 year fix loan but the interest cost is low.

I heard people say it is not good to rent out single family as no one will take care the property like I do. I want to hear your 2 cents on whether you will choose rent or sale under this situation.

Happy holidays! And Thanks for your inputs!

 

 

 

所有跟帖： 

• 重贷成三十年就可以维持了，现在正是低利息 -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (0 bytes) () 12/20/2012 postreply 20:37:14

• 回复：重贷成三十年就可以维持了，现在正是低利息 -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (266 bytes) () 12/20/2012 postreply 20:39:51

• 一座座的算，拆东墙补西墻不是长久之計，不明白这里的may too much interest cost是指啥？closing c -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (86 bytes) () 12/20/2012 postreply 20:48:24

• Not closing cost -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (344 bytes) () 12/20/2012 postreply 20:54:57

• 你肯定很有钱。我们这些没钱的只能让人家赚利息，被割肉喝血。没办法，没有这么多钱月付啊。 -sweetptt- ♂ 给 sweetptt 发送悄悄话 sweetptt 的博客首页 (0 bytes) () 12/20/2012 postreply 20:59:21

• 回复：你肯定很有钱。我们这些没钱的只能让人家赚利息，被割肉喝血。没办法，没有这么多钱月付啊。 -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (376 bytes) () 12/20/2012 postreply 21:04:06

• Co sweetptt: at current rate money is almost free.千载难逢。 -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 12/20/2012 postreply 21:02:42

• 这么算就没办法了，实际上把投资房当生意来看的话这算法是大亏了 -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (0 bytes) () 12/20/2012 postreply 21:05:30

• 那还不如卖了。take the loss。The biggest advantage of landlording over s -sweetptt- ♂ 给 sweetptt 发送悄悄话 sweetptt 的博客首页 (129 bytes) () 12/20/2012 postreply 20:57:30

• No. 90k loss it takes forever to write off capital loss. -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (92 bytes) () 12/20/2012 postreply 21:01:00

• I don't know the tax implication of this loss -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (241 bytes) () 12/20/2012 postreply 21:06:53

• you can only have 3k capital loss/yr on tax return(the rest you -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 12/20/2012 postreply 21:10:57

• 波大，有时需要当机立断不是。看贴里说楼主还是有赚钱的楼盘的。那么卖了这个，解放现金，投入赚钱的楼盘。 -sweetptt- ♂ 给 sweetptt 发送悄悄话 sweetptt 的博客首页 (0 bytes) () 12/20/2012 postreply 21:34:45

• 我不跟你说了，cashout能拿十八万出来，利息是能减税的。九万亏损你真减三十年去呀。 -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 12/20/2012 postreply 21:44:58

• 而且每年可以有一万的折旧。即使过几年还是不涨那九万也被你跑掉了。 -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 12/20/2012 postreply 22:23:04

• Not right property as rental -Slothehz002- ♂ 给 Slothehz002 发送悄悄话 Slothehz002 的博客首页 (993 bytes) () 12/20/2012 postreply 21:25:59

• I agree with you every single word -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (1054 bytes) () 12/20/2012 postreply 21:38:03

• Further suggestions -Slothehz002- ♂ 给 Slothehz002 发送悄悄话 Slothehz002 的博客首页 (703 bytes) () 12/21/2012 postreply 08:43:06

• Thanks all for your inputs. Good night! -Iamcc- ♀ 给 Iamcc 发送悄悄话 Iamcc 的博客首页 (0 bytes) () 12/20/2012 postreply 21:43:43

• 你在哪里？四十三万房租二千二正好打个平手，租的好的话有点小赚。 -d41515- ♂ 给 d41515 发送悄悄话 (182 bytes) () 12/20/2012 postreply 22:11:42

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