市場不長了怎麽辦？- 也談房地產投資

看了幾位關於房地產投資的帖子，咱也來獻一記。

如果你已經投資房地產，積累了一些資金，現在市場不長了，處於平穩或微跌的情況怎麽辦？

我用一個現在還在實際運行的一個項目來說明：下麵是一個三層的樓房，總共有45套CONDO。我和我的合夥人在今年6月份從一個人手裏買下其中的24套。價格總共一百零五萬。



我的策略是賺批發和零售的差價，這樣不需要市場上升(當然上升更好)。從七月一日開始上市賣。到今天為止共賣掉了八套，外加一 ACCEPTED OFFER。價格從6萬4千到6萬9千5百。MORTGAGE借了70萬(30% down payment)，現在已經降低到了23萬。現在賣到的所有收入都被銀行拿去。還需要賣掉4套就可將MORTGAGE降低到零。

去掉所有費用，每套 大概能賺1萬多，所以項目完成希望能有30萬的毛利。當然，不到賣完不算數。

看上去簡單？其實不然。首先，要花很多時間找合適的項目。其次，銀行對大項目要求比PRIMARY RESIDENCE 或單個CONDO 要嚴很多。在賣的過程中，每天要鞭策AGENT。

再就是，This is one million dollar risk. 心理壓力很大。所以GUTS 很重要。小時候讀毛選，說是要“敢於勝利，善於勝利”，老是對“敢於勝利”不太理解。現在切身感受到了：給你一個大項目，你有能力做，也看得到利潤，還是大部份人不敢做。

很多朋友，隻要買自住房有幾年時間的，都是有購買力的。

我怎麽開始的，和一些八十年代末九十年代初拿幾百美元來北美的一樣。先上學，再工作。99年買自己住的房，之後每年都大大小小買一個。最後突然發現有了規模效應。五月份賣掉第一個投資房，用賺到的錢買現在這個BUILDING。對大項目來說，剛剛新手上路，願得到各方高人真言。

PS:
1. Removed subject for #9 on January 17, 2007. The offer was accepted on Juanuary 4. The original subjects removal date was January 12, but the buyer had problem for financing. The date was extended to January 16, and today the subjects were finally removed. The buyer had problem with their bank and evetually had to go to another bank to get financing. This unit is a two bedroom unit, final price was $82,000. Mortgage will be reduced to $155,000 once this unit is completed. (Updated January 17, 2007)

2. Accepted offer for #10 on January 13, 2007. Subject removal date is set for January 25, 2007. Two bedroom unit, price settled at $82,000. Waiting for now.....   (Updated January 17, 2007)
 
Subjets were removed on January 23rd, 2006 (Updated January 28, 2007).

[pretty_woman]

any business is silimar. You need to have "guts" to take risk. Everyone have same money same degree at the begining however after 10 years everyone's life is very different.