抢到了一个房子，现在又有点犹豫。listing 32万, 有5个offers, 我33万拿到。要cash offer，不能贷款。 一层的Duplex, 1106sf each side, 2 bd 1 bath, 1 car garage. 1968年造的。full basement, not finished, 放洗衣机烘干机. Current rent is $1000 each side. 我买后应该能涨租金到$1200. Each side property tax plus insurance is 每月$300.
if you do that you know nothing about rental business...
actual/actual cash based return rate:
1. base 160000
2. gross income 1200*11=13200 with one month vacancy
3. taxes+insurance 300*12=3600
4. water (because it is a duplex, 1 meter) 50 quarters *4/2=100
5. yard and lawn (because it is a duplex) 200 (where the hell do you get such a good deal for lawn service for a year..)
6. legal cost (potential litigations) 1 case /10 years, 50 per year.
7. repair/renovation needed depreciated to each year to keep at competitive rent level: 5000/10 year annualized to 500/year; again this is actuall the material cost... you got to paint and change carpet yourself...
total annualized cost: 4450
net income: 8750
ROI cash/cash 5.46% which is still not too bad.
However, if you want to be hand-free, then you got to pay 1 month for some one to take care of all the troubles, for some cost.... say a month...
Then you have net income 7550, or ROI 4.71% which is again still not too bad...
抢到了一个房子，现在又有点犹豫。listing 32万, 有5个offers, 我33万拿到。要cash offer，不能贷款。 一层的Duplex, 1106sf each side, 2 bd 1 bath, 1 car garage. 1968年造的。full basement, not finished, 放洗衣机烘干机. Current rent is $1000 each side. 我买后应该能涨租金到$1200. Each side property tax plus insurance is 每月$300.
这个房价相对于租金是不是太高了？所在地方还算稳定，可能会慢慢涨点。但担心买高了。
星期一让人检查房子，星期二还可反悔。
请投坛有经验的帮忙看看值得买吗？非常感谢！
Agent 说这个城市会有十年的growth, 但不知准吗。
我不是很仔细，大概算算。 记得专业地主 要假定空置，维修，减1.5个月？
actual/actual cash based return rate:
1. base 160000
2. gross income 1200*11=13200 with one month vacancy
3. taxes+insurance 300*12=3600
4. water (because it is a duplex, 1 meter) 50 quarters *4/2=100
5. yard and lawn (because it is a duplex) 200 (where the hell do you get such a good deal for lawn service for a year..)
6. legal cost (potential litigations) 1 case /10 years, 50 per year.
7. repair/renovation needed depreciated to each year to keep at competitive rent level: 5000/10 year annualized to 500/year; again this is actuall the material cost... you got to paint and change carpet yourself...
total annualized cost: 4450
net income: 8750
ROI cash/cash 5.46% which is still not too bad.
However, if you want to be hand-free, then you got to pay 1 month for some one to take care of all the troubles, for some cost.... say a month...
Then you have net income 7550, or ROI 4.71% which is again still not too bad...
听你这样分析，我就买吧，当然前提是房子没有大问题。
我是打算把自住房卖了，三十五万，搬去住一边，出租另一边。孩子大了我不需要四卧房的房子。
这个平房，将来老了也可以住。
最好另一边孩子愿意住。