Sell or Lease: I want to hear your 2 cents

來源: iamcc 2012-12-20 20:28:41 [] [博客] [舊帖] [給我悄悄話] 本文已被閱讀: 次 (1022 bytes)

I bought this single family at 2005 for 430K and invested 60K to upgrade. If I want to sell the house today, I can expect to sale for 420K to 430K and the net proceeds after agent fee would be about 400K. So I will lose 90K if I sell the home today. However, I can free up 150K cash to do other investment.

My other alternative is to rent the house for a monthly income around $2200 and my monthly mortgage interest is 490 and property tax and insurance is about 430. I have a 10 year fix loan right now and monthly payment is around 2800 which include 1800 principle, 490 tax and 430 escrow. I will have a negative cash flow if I keep my current 10 year fix loan but the interest cost is low.

I heard people say it is not good to rent out single family as no one will take care the property like I do. I want to hear your 2 cents on whether you will choose rent or sale under this situation.

Happy holidays! And Thanks for your inputs!

 

 

 

所有跟帖: 

重貸成三十年就可以維持了,現在正是低利息 -MrsKwok- 給 MrsKwok 發送悄悄話 (0 bytes) () 12/20/2012 postreply 20:37:14

回複:重貸成三十年就可以維持了,現在正是低利息 -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (266 bytes) () 12/20/2012 postreply 20:39:51

一座座的算,拆東牆補西墻不是長久之計,不明白這裏的may too much interest cost是指啥?closing c -MrsKwok- 給 MrsKwok 發送悄悄話 (86 bytes) () 12/20/2012 postreply 20:48:24

Not closing cost -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (344 bytes) () 12/20/2012 postreply 20:54:57

你肯定很有錢。我們這些沒錢的隻能讓人家賺利息,被割肉喝血。沒辦法,沒有這麽多錢月付啊。 -sweetptt- 給 sweetptt 發送悄悄話 sweetptt 的博客首頁 (0 bytes) () 12/20/2012 postreply 20:59:21

回複:你肯定很有錢。我們這些沒錢的隻能讓人家賺利息,被割肉喝血。沒辦法,沒有這麽多錢月付啊。 -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (376 bytes) () 12/20/2012 postreply 21:04:06

Co sweetptt: at current rate money is almost free.千載難逢。 -borisg- 給 borisg 發送悄悄話 borisg 的博客首頁 (0 bytes) () 12/20/2012 postreply 21:02:42

這麽算就沒辦法了,實際上把投資房當生意來看的話這算法是大虧了 -MrsKwok- 給 MrsKwok 發送悄悄話 (0 bytes) () 12/20/2012 postreply 21:05:30

那還不如賣了。take the loss。The biggest advantage of landlording over s -sweetptt- 給 sweetptt 發送悄悄話 sweetptt 的博客首頁 (129 bytes) () 12/20/2012 postreply 20:57:30

No. 90k loss it takes forever to write off capital loss. -borisg- 給 borisg 發送悄悄話 borisg 的博客首頁 (92 bytes) () 12/20/2012 postreply 21:01:00

I don't know the tax implication of this loss -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (241 bytes) () 12/20/2012 postreply 21:06:53

you can only have 3k capital loss/yr on tax return(the rest you -borisg- 給 borisg 發送悄悄話 borisg 的博客首頁 (0 bytes) () 12/20/2012 postreply 21:10:57

波大,有時需要當機立斷不是。看貼裏說樓主還是有賺錢的樓盤的。那麽賣了這個,解放現金,投入賺錢的樓盤。 -sweetptt- 給 sweetptt 發送悄悄話 sweetptt 的博客首頁 (0 bytes) () 12/20/2012 postreply 21:34:45

我不跟你說了,cashout能拿十八萬出來,利息是能減稅的。九萬虧損你真減三十年去呀。 -borisg- 給 borisg 發送悄悄話 borisg 的博客首頁 (0 bytes) () 12/20/2012 postreply 21:44:58

而且每年可以有一萬的折舊。即使過幾年還是不漲那九萬也被你跑掉了。 -borisg- 給 borisg 發送悄悄話 borisg 的博客首頁 (0 bytes) () 12/20/2012 postreply 22:23:04

Not right property as rental -Slothehz002- 給 Slothehz002 發送悄悄話 Slothehz002 的博客首頁 (993 bytes) () 12/20/2012 postreply 21:25:59

I agree with you every single word -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (1054 bytes) () 12/20/2012 postreply 21:38:03

Further suggestions -Slothehz002- 給 Slothehz002 發送悄悄話 Slothehz002 的博客首頁 (703 bytes) () 12/21/2012 postreply 08:43:06

Thanks all for your inputs. Good night! -Iamcc- 給 Iamcc 發送悄悄話 Iamcc 的博客首頁 (0 bytes) () 12/20/2012 postreply 21:43:43

你在哪裏?四十三萬房租二千二正好打個平手,租的好的話有點小賺。 -d41515- 給 d41515 發送悄悄話 (182 bytes) () 12/20/2012 postreply 22:11:42

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