Good or bad, it is up to you. Here is my calculation.

來源: TonySD 於 2012-04-11 22:12:56 [] [博客] [舊帖] [給我悄悄話] 閱讀數 : (124165 bytes)
回答: 這個投資房合算嗎？ 由 真認 於 2012-04-11 20:41:05









































































































































































































































































































































































































































































































































































































































































































































































































The property tax should be 2% as I can think about it. If it is last year’s tax ($5200) and tax rate is 2%, the property tax value is $260K.
Cost 90000 Rates Year Monthly Cost Monthly Rent Addition Cost    
25% Down payment 22500       1300      
Mortgage 67500 4.65   348   2000 closing cost  
5.77% property tax   Tax 5200 433        
    Mello-Roos   0        
Total Cash   Insurance 200 17        
24500   HOA   215        
    Management 0 0        
    Maintenance 0 0   Cash Flow    
    Total   1013   287    
                 
Mortgage Rate Principal (1st year Ave) P&I Total Cost/month Minimal Rent Cash Flow Maximal Rent Maximal Cash Flow
67500 4.65 88 348 $1,013 $1,200 $187 $1,500 $487
     
Current rent cash flow % 14.06  
Total cash flow % 18.37 plus principal
Cost 90000 Rates Year Monthly Cost Monthly Rent Addition Cost    
25% Down payment 22500       1300      
Mortgage 67500 4.65   348   2000 closing cost  
2.0% property tax   Tax 1800 150        
    Mello-Roos   0        
Total Cash   Insurance 200 17        
24500   HOA   215        
    Management 0 0        
    Maintenance 0 0   Cash Flow    
    Total   730   570    
                 
Mortgage Rate Principal (1st year Ave) P&I Total Cost/month Minimal Rent Cash Flow Maximal Rent Maximal Cash Flow
67500 4.65 88 348 $730 $1,200 $470 $1,500 $770
     
Current rent cash flow % 27.93  
Total cash flow % 32.24 plus principal
Cost 90000 Rates Year Monthly Cost Monthly Rent Addition Cost    
100% Down payment 90000       1300      
Mortgage 0     0   2000 closing cost  
5.77% property tax   Tax 5200 433        
    Mello-Roos   0        
Total Cash   Insurance 200 17        
92000   HOA   215        
    Management 0 0        
    Maintenance 0 0   Cash Flow    
    Total   665   635    
                 
Mortgage Rate Principal (1st year Ave) P&I Total Cost/month Minimal Rent Cash Flow Maximal Rent Maximal Cash Flow
0     0 $665 $1,200 $535 $1,500 $835
     
Current rent cash flow % 8.28  
Total cash flow % 8.28 plus principal
Cost 90000 Rates Year Monthly Cost Monthly Rent Addition Cost    
100% Down payment 90000       1300      
Mortgage 0     0   2000 closing cost  
2.0% property tax   Tax 1800 150        
    Mello-Roos   0        
Total Cash   Insurance 200 17        
92000   HOA   215        
    Management 0 0        
    Maintenance 0 0   Cash Flow    
    Total   382   918    
                 
Mortgage Rate Principal (1st year Ave) P&I Total Cost/month Minimal Rent Cash Flow Maximal Rent Maximal Cash Flow
0     0 $382 $1,200 $818 $1,500 $1,118
     
Current rent cash flow % 11.98  
Total cash flow % 11.98 plus principal
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