o******d
发帖数: 8 | 1 想投资一个Apt, 大概$25万左右，如果放$10万块的down, 贷15万，如果按利息5%来算
，一个月mortage就要$750, 然后有大概$300块的HOA, 租金大概能租$1300~1500,这还
没算地税～这放下去的$10万什么时候回本是个未知数，而且HOA会越来越高，请问这个
投资值得吗？ | m*******i
发帖数: 8711 | 2 max 年租金: 1500 x 12 = 18,000
18,000 / 250,000 = 7.2%. pretty bad investment choice. | o******d
发帖数: 8 | 3 那一般多少以上算好呢？
【在 m*******i 的大作中提到】
: max 年租金: 1500 x 12 = 18,000
: 18,000 / 250,000 = 7.2%. pretty bad investment choice.
| m*******i
发帖数: 8711 | 4 typically 8%, but your HOA is too high.
Your annual cost:
interest: 150,000 * 5% = 7,500
HOA: 300*12 = 3,600
PT: 250,000 * 1.2% = 3,000
other cost: one month of rent: 1,500
insurance: 1,000
7,500+3,600+3,000+1,500+1,000= 16,600
so if you rent out for 1,500, you only get 1,400/year if you can rent out
for 12 months;
if you rent out for 1,300, you have negative of -1,000
And this kind of apt probably don't have any appreciation in next five years
. | z********i
发帖数: 628 | 5 Your calculation doesn't make sense:
No need to consider the depreciation since it will be picked up eventually
due to the cost adjustment.
Monthly Income: 1500-750-300-250(property tax)-50(Home insurance)=150per
month.
Yearly income: 150*12=1800
Investment principal: 100,000
yearly return: 1800/100,000=1.8%
Mark down due to the vacant and maintenance cost: -0.5%
Estimated return rate: 1.3%
This rate is close to the interest rate. If you believe that the house will
appreciate enough to cover your exit cost (250,000*6%=15000), you may
consider to buy it.
【在 m*******i 的大作中提到】
: max 年租金: 1500 x 12 = 18,000
: 18,000 / 250,000 = 7.2%. pretty bad investment choice.
| m*******i
发帖数: 8711 | 6 if you don't know what cap rate is, you probably shouldn't invest in real
estate
【在 z********i 的大作中提到】
: Your calculation doesn't make sense:
: No need to consider the depreciation since it will be picked up eventually
: due to the cost adjustment.
: Monthly Income: 1500-750-300-250(property tax)-50(Home insurance)=150per
: month.
: Yearly income: 150*12=1800
: Investment principal: 100,000
: yearly return: 1800/100,000=1.8%
: Mark down due to the vacant and maintenance cost: -0.5%
: Estimated return rate: 1.3%
| s******v
发帖数: 4495 | 7 rent: 1400
tax: 1.25% x 250k / 12 = 260
hoa: 300
interest of 150k loan at 5%: $625
So your mthly income is: 1400 - 260 - 300 - 625 = 215
yr income = 215 * 12 = 2580
so your the return of 100k dp is 2580/100k = 2.58%, barely beats the cd
rate. considering the possible cost for house maintenance, i don't this
is a good investment.
but, but you can have a good return if the housing market is turning
around. who knows. so your decision is upon the housing market future.
【在 o******d 的大作中提到】
: 想投资一个Apt, 大概$25万左右，如果放$10万块的down, 贷15万，如果按利息5%来算
: ，一个月mortage就要$750, 然后有大概$300块的HOA, 租金大概能租$1300~1500,这还
: 没算地税～这放下去的$10万什么时候回本是个未知数，而且HOA会越来越高，请问这个
: 投资值得吗？
| b********t
发帖数: 8181 | 8 it's ok, but mainly you are betting the house value will go up, if stay flat
, it's not a good investment.
【在 o******d 的大作中提到】
: 想投资一个Apt, 大概$25万左右，如果放$10万块的down, 贷15万，如果按利息5%来算
: ，一个月mortage就要$750, 然后有大概$300块的HOA, 租金大概能租$1300~1500,这还
: 没算地税～这放下去的$10万什么时候回本是个未知数，而且HOA会越来越高，请问这个
: 投资值得吗？
| f*******s
发帖数: 3046 | 9 呵呵，你们算的return为啥都不一样？好在结论是一样的：）
楼主不如在加点钱买不好学区的sfh吧 | w*t
发帖数: 591 | 10 R u sure you can get a mortgage at 5% for investment house? |
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