沃尔玛商品投资理财分析 分类： 理财日记---一个程序员的财富自由之路 2011-10-07 19:33 980人阅读 评论(0) 收藏

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。