我隻是說不要算房價漲，隻算現金回報。

來源: 於 2020-04-11 12:50:06 [博客] [舊帖] [給我悄悄話] 本文已被閱讀：次

1.  Base income

rent: 2500/m, tax 7000/y, HOA 185/m,  insurance $500, misc repair $1000/year

annual income: $20180 ~ $20K

2.  all cash:  total investment 430K.  
Annual return:  20K / 430K = 4.6%  

3. 20% down 4% mortage : 
total investment 86K
annual interest ~ $13760, 430K*80%*4%
annual return:  ($20180-13760) / 86K = 7.4%

4.  50% down 4% mortgage:
total investment 215K
annual interest ~ $8600
annual return: (20180-8600)/215K = 5.38%