Investment Property with 100% Finance or 空手套白狼

来源: 4008 于 2007-10-10 16:22:40 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (780 bytes)
本帖于 2007-10-10 17:56:15 时间, 由普通用户 表情符号 编辑

An example used in example of calculate annual return rate before:

House price 270k, rent $1850 purchased at 2005
Original 20% down 80% mortgage at 5%, PTPI $1300
Now refinance ctake cash out. mortgage 315k at 6.375% PTPI %2205

Suppose take less mortgage @ 270k, PTPI would be $1850, that's a even-cash flow with 0 investment (more or less, didn't count the 2 years interest of the downpay and maitenance cost). Any rent increase less maintenance, paid principle in mortgage, or house appreciation, will be the return. The ROI?

A sleeping 8 - ∞. That's cash cow no need to feed hay to it.

True, it's an extreme case not repeatable for every property, but I bet lots of long term RE investors have some holdings like this after a few years.

所有跟帖： 

• 我很奇怪，银行和大型投资公司怎么不多多做这些那？ -helloagain- ♂ 给 helloagain 发送悄悄话 (50 bytes) () 10/10/2007 postreply 16:28:21

• bank is not in the business of landlording -jy101- ♂ 给 jy101 发送悄悄话 (305 bytes) () 10/10/2007 postreply 16:39:31

• 有更高的回报产品 such as CDO回复：我很奇怪，银行和大型投资公司怎么不多多做这些那？ -tafa- ♂ 给 tafa 发送悄悄话 (0 bytes) () 10/10/2007 postreply 17:31:06

• DDD! -小小石头- ♂ 给 小小石头 发送悄悄话 (0 bytes) () 10/10/2007 postreply 18:08:47

• 银行从80-90年代的教训中学到了房地产的风险 -basicenglish- ♂ 给 basicenglish 发送悄悄话 basicenglish 的博客首页 (62 bytes) () 10/10/2007 postreply 19:00:15

• yea, banks are much wiser now. -tafa- ♂ 给 tafa 发送悄悄话 (0 bytes) () 10/10/2007 postreply 19:19:45

• dd -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (0 bytes) () 10/10/2007 postreply 21:41:25

• Where you can buy 270K and rent it for 1850? -春山再醒- ♀ 给 春山再醒 发送悄悄话 春山再醒 的博客首页 (51 bytes) () 10/10/2007 postreply 22:11:20

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