there are many discussion on how to calculate the cash flow.

you can search it easily.

1) mortgage on 220k, at 3.75% 30 year fix: $1020/month
2) tax/insurance: 4000/12= $333/month
3) vacancy/repair/maintenance: 10~20% rent income depend on the house condition and rental market $150~$300/month

negative cash flow $3~$300

if you put down 25% ($55k), your mortgage dropped to $761/month
cash flow +$240 to -$60 per month.

But it does not count your work to manage the property.  your work is free or below minimum wage.  Not worth the effort.  Make your life easier without this rental property and the debt.


 

所有跟帖： 

• mortgage payment 不全是expense. 很大一部分是本金，即变相存款呀 -牧马人- ♀ (0 bytes) () 05/23/2013 postreply 14:56:31

• 是的。这是3.75%利率，30年固定，尚可持平。如果是2.1%，浮动，那会如何？我们这儿 -房友- ♀ (61 bytes) () 05/23/2013 postreply 18:06:04