這房值得買嗎--算算就知道.

If you have a mortgage, then calculate your cash flow-

有一房，14萬8千，可租一千元一個月，在安全的藍領地區，房是townhome,5年新，投資房貸款利率是6，Tax $1200/yr

Suppose your closing cost is $6000, then your base would be $154000. Your principal plus mortgage is $923. Tax $100, Insurance $30, Maintenance $50, so your total cost each month is $1100.

You rent for $1000.

 

You got negative cash flow. I would not buy it.

If you buy with cash, then calculate your cap rate

Tax $100, Insurance $30, Maintenance $50, so your total cost each month is $180.

You rent for $1000. You net $820, or less.

Your cap rate is $820 * 12 / $154000 = 6.4%

 

I would not buy it.

What is the intrinsic value?

Monthly rent $1000 * 150 = $150000, so you don’t have a great appreciation potential.

 

So, I would not buy it.