基本情况分析：
| PROPERTY INFO | ||||||
| Address | 嘉定新城 沃尔玛 | |||||
| Type | 商铺 | |||||
| Bedrooms/Baths | ||||||
| Square Feet | 6 | |||||
| Year Built | 0 | |||||
| Parcel # | ||||||
| INCOME | Month | Year | Per sq. ft. | |||
| Current rent | $ 1,500.00 | $ 18,000.00 | $ 3,000.00 | |||
| Less: vacancy allowance - 10% | $ 150.00 | $ 900.00 | ||||
| Net Rental Income | $ 1,350.00 | $ 17,100.00 | ||||
| Plus: Other Income | $ - | $ - | ||||
| Total Income | $ 1,350.00 | $ 17,100.00 | $ 2,850.00 | |||
| EXPENSES | ||||||
| Property Management | $ - | $ - | ||||
| Repairs & Maintenance | $ - | $ - | ||||
| HOA | $ - | |||||
| Advertising & Legal | $ - | |||||
| Insurance | $ 75.00 | $ 900.00 | $ 150.00 | |||
| Total Expenses | $ 75.00 | $ 900.00 | $ 150.00 | |||
| Net Operating Income (NOI) | $ 1,275.00 | $ 16,200.00 | ||||
| Less Debt Service (PI) | $ - | $ - | $ - | |||
| Less Property Taxes | $ - | |||||
| Net Cashflow | $ 1,275.00 | $ 16,200.00 | ||||
| Operating Expense Ratio | 5.6% | (Total Expenses/Total Income) | ||||
| MORTGAGE INFO | ||||||
| Total Loan Amount | $ 90,000 | 房贷 | ||||
| Type of Loan | mortgage | |||||
| Term (years) | 10 | |||||
| Interest Rate | 7.05% | |||||
| Down Payment | $ 90,000 | 首付 | ||||
| Monthly Payment (PITI) | $ 1,047.00 | |||||
| Purchase Price | $ 180,000 | |||||
| Closing costs | $ 3,600 | |||||
| Rehab | $ 1,800 | |||||
| Total initial investment | $ 185,400 | |||||
| LTV | 50% | Loan Amount/Purchase Price | ||||
| Cap Rate | 9.0% | Annual NOI/Price | ||||
| Cash-on-Cash Return | 18% | Annual before-tax cash flow (i.e., NOI)/Down payment | ||||
如果能够融资到￥90，000的话可以以投资回报率18%，6年左右就可以基本还清还贷，到时基本可以保收益了。基本10年左右可以回本，但是可以投入9W，得到18万的房子回报！
参考文献：富爸爸 网站。
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