房產投資 －網友網言摘錄

Original Post: 
這樣的房地產投資如何？

 我在一個亞洲人很少的大學城。 人均收入隻有3萬/年。
這裏的房子不貴，十萬就可以買到1500平尺，3房一浴， 並可出租800左右。房價看來是不會漲的，不跌就很好了。 房租基本上可以付清貸款地稅和基本維修費用。 這樣的房地產是否值得投資？如果一切順利的話，基本上是房客幫我供，　１５年後賺到這房子。　聽起來不錯，你們覺得可以嗎？還是說，手裏有兩萬現金，用別的用途更好？ 都說說看。。　

 

Replies:

* 不管買房租房，都要看當地經濟發展趨勢。

* Baffalo, Rochester, these areas are hopeless. The weather is tough, the local economy sucks due to the declining Kodak.

* 所以投資是否值得，要因人而異。我是這麽計算的，成交價格要比市場價值低10%， 然後我付掉10%的首付， 除去piti， 每年的positive cash flow 要達到我首付的20%。 這樣的投資我才做。 舉個例子，我有個三家庭的房子， 幾年前16萬買進， 月租1800，每個月的piti 1450， 淨剩350/月=4200/年， 大於首付的20%， 再加上房子的升值，現在覺得投資很值得。如果沒有positive cash flow, 就算房租跟piti持平，房子升值，我也不會投資。 我剛才的計算方法是通過精確計算過的，房地產投資中稱之為10-10-20 rule.

* If I follow your rule, there i s no house can be bought for investment purpose in BA since there are too many rich guys here looking for investment opportunity. So I mainly take advantage of the $500K tax free rule and counting on the price appreciation. Anyway, there is no free lunch. You can have positive cash flow because the house you bought does not appreciate much. Otherwise somebody else will compete with you and jack the price up.

*   Buy 5, and you can retire -- The rule of thumb for income property is that you need to have positive cashflow within certain time period. If you can put down 30%, which is only $30K, you can not only cover everything, but generate income for next purchase as well, even including the salary you pay yourself to maintain the property.  Usually if you can find a property reaching break even point within 3 years, then it's a good buy. With immediate positive cashflow? It's a steal!

*  不錯啊, 我投資的地點與你的不遠, 不過在加拿大那邊.好象回報差不多.
其實很簡單, 一旦嚐到甜頭, 就會一步一步做下去. 我剛買第一個時還有點打鼓, 到現在為止已經買了好幾個了 :-)

* The price is very good. In the area I am living, average household income is almost $40K, but similar house will cost at least $250K. It doesn't take much risk for you to try

* You are right, as long as the university is there, as long as Niagara falls is there, people are there. Those who said Buffalo is hopelss probably has have some sour grape. Just simply ignore them. Even in the midwest, there are still people buying houses.

One thing though, renting the houses out is not an easy job, especially if you have some bad luck having some bad tenants.

good luck,   kcuf007

* no high-paying job creation. This place is depressed old industry belt no hope of long term
real estate appreciation. SAVE your money to invest in better places. In such low income town, housing value won't go up like high income bi-coastal cities. Cheap is not always better.