东北部小城市,超百年老房,好学区,价格25万左右,月租2500到3000. 有少量白蚁,暖气炉估计要换,有一氧化碳,水管老化,有滴水,钢结构水泥deck 结构不稳,估计也得换,价格说不定得上万。每年地税大概3%.其他还有割草啊,修理啊等等。
有必要买吗?
自己算算回报率,割草有租客自己做
250K house, 3% tax = $7500 tax every year.
$2500-3000 rent per unit for 4 plex, assuming $10,000 a year rental income.
So that leaves you $2500 after tax.
that's $200 per month for ALL OTHER expenses for 4 plex, (insurance, repair, maintanance, unpaid rent, vacancy...)
MATH
income: 30000( you will be lucky to get that)
tax: 7500
insurance: 2000
utilities: 2000
repair: 8000
legal: 1000
all costs: 2100
net income: 9000
ROI cash on cash: 9000/250000=0.36
Plus you got to deal with 4 women living in the same building....
东北部小城市,超百年老房,好学区,价格25万左右,月租2500到3000. 有少量白蚁,暖气炉估计要换,有一氧化碳,水管老化,有滴水,钢结构水泥deck 结构不稳,估计也得换,价格说不定得上万。每年地税大概3%.其他还有割草啊,修理啊等等。
有必要买吗?
自己算算回报率,割草有租客自己做
250K house, 3% tax = $7500 tax every year.
$2500-3000 rent per unit for 4 plex, assuming $10,000 a year rental income.
So that leaves you $2500 after tax.
that's $200 per month for ALL OTHER expenses for 4 plex, (insurance, repair, maintanance, unpaid rent, vacancy...)
MATH
income: 30000( you will be lucky to get that)
tax: 7500
insurance: 2000
utilities: 2000
repair: 8000
legal: 1000
all costs: 2100
net income: 9000
ROI cash on cash: 9000/250000=0.36
Plus you got to deal with 4 women living in the same building....