回复 1楼xiaobaobao88的帖子 Cap Rate = NOI / Value=3600/500000=0.72% 这个cap rate也太低了。如果不是有巨大潜力增值的地方，为啥要买？
flyerr 发表于 2021-06-01 19:43
Yes you should check cap rate as the first metric. But your calculation is wrong. NOI does not include debt service. So LZ needs to break out all expenses. 凭我的经验，这是个一般的投资，因为“稳健”地区必不是什么爆款地区，而这个收益率一般。如果楼主透露地点，才能了解当地经济发展前景，房产税每年的可能变动幅度，当地的气候（以了解维护成本），当地的政情（以了解是否有租户过度保护机制），等等。 楼主这个小白，夯不郎当就说个每月正300块，那还投个啥资。楼主你知道现金流每年都会变化么？（增加房租）楼主你知道cash on cash rate会在增值做refi后发生剧烈变化么？投资不是看静态的初识数字，但不知道你听明白了没有。。
Yes you should check cap rate as the first metric. But your calculation is wrong. NOI does not include debt service. So LZ needs to break out all expenses. 凭我的经验，这是个一般的投资，因为“稳健”地区必不是什么爆款地区，而这个收益率一般。如果楼主透露地点，才能了解当地经济发展前景，房产税每年的可能变动幅度，当地的气候（以了解维护成本），当地的政情（以了解是否有租户过度保护机制），等等。 楼主这个小白，夯不郎当就说个每月正300块，那还投个啥资。楼主你知道现金流每年都会变化么？（增加房租）楼主你知道cash on cash rate会在增值做refi后发生剧烈变化么？投资不是看静态的初识数字，但不知道你听明白了没有。。
... I was asking your monthly payment. Anyway, 390k loan at 3.5% is about $1750/mo. So your monthly income is about $2050. But never assume 0 repair and other maint cost.. If I assume $1700/mo real income before debt, the cap rate is about 4% for a $510k house. I like DC and I think 4% might be acceptable. But you really need some local expert to give you better insights. And doing 2-yr rental is a bad idea in this market. Rents are rising like crazy!
Yes. But next time separate mortgage payment and other costs (such as property tax, HOA, etc.). You can search the definition of cap rate to understand what I mean. A hot area such as bay area normally gives you a cap rate of 3% or lower. For DC, you should check with local experts. A palce with better apprecation potential will have a lower cap rate. So in the end you are balancing these two.
没看懂 一年3600收益？50万本金 还是5%乘以50万是本金？
你这个收益不错啊
湾区两百万的房子也就能租4000
是房价50多，down pay25%
Cap Rate = NOI / Value=3600/500000=0.72% 这个cap rate也太低了。如果不是有巨大潜力增值的地方，为啥要买？
哎 毕竟不是便宜地方 就是看他好租 本地以后也有可能成为西雅图第二吧
Yes you should check cap rate as the first metric.
But your calculation is wrong. NOI does not include debt service. So LZ needs to break out all expenses.
凭我的经验，这是个一般的投资，因为“稳健”地区必不是什么爆款地区，而这个收益率一般。如果楼主透露地点，才能了解当地经济发展前景，房产税每年的可能变动幅度，当地的气候（以了解维护成本），当地的政情（以了解是否有租户过度保护机制），等等。
楼主这个小白，夯不郎当就说个每月正300块，那还投个啥资。楼主你知道现金流每年都会变化么？（增加房租）楼主你知道cash on cash rate会在增值做refi后发生剧烈变化么？投资不是看静态的初识数字，但不知道你听明白了没有。。
不如买XOM
这么做的话账面很好看
但是各类资产的相关性就很大了
就是爽起来很爽 丧起来很丧
呃。。我湾区也有70多万的烂房子租3500以上的。。现在那个估价好像85万左右。
Dc附近，amazon会再招15000人
你告诉我mortgage 部分是多少？好算cap rate。
另外，你最好把管理费也算上，因为自己管理，省了点钱，花的是时间，不管这个时间你用来干啥，哪怕躺平或者追剧，都是实打实的花销。
贷款390000，管理费目前都是0 我倾向于两年一签那种
是啊，主要也想着租客能帮我换贷款，over time我能获利
cap rate不是这么算的。。。不过这个房子cap rate看着还是很低,，粗算算应该低于4%，如果不是房价上涨区，算非常差的投资，如果是上涨区，cap rate并不重要，cash positive 就可以入了，cash on cash跑赢通胀还是没问题的，增值部分才是大头
... I was asking your monthly payment. Anyway, 390k loan at 3.5% is about $1750/mo. So your monthly income is about $2050. But never assume 0 repair and other maint cost..
If I assume $1700/mo real income before debt, the cap rate is about 4% for a $510k house. I like DC and I think 4% might be acceptable. But you really need some local expert to give you better insights.
And doing 2-yr rental is a bad idea in this market. Rents are rising like crazy!
房子多少年了？屋顶，heater，ac，这几个大件，如果打算长持，是要算进去的。
谢谢，利率是3.125，每个月贷款地税hoa加保险接近2300
包括了，所有加一起2300，如果没有维修的话
有闲钱就闭着眼买！dc地区，还有cash flow。
80年代房子，屋顶是几年刚换的，空调10年左右，热水器比较旧。学区一般，但据说非常好租 旁边就是火车站
Yes. But next time separate mortgage payment and other costs (such as property tax, HOA, etc.). You can search the definition of cap rate to understand what I mean.
A hot area such as bay area normally gives you a cap rate of 3% or lower. For DC, you should check with local experts. A palce with better apprecation potential will have a lower cap rate. So in the end you are balancing these two.
这个管理起来太困难了