60万就可以退休了(Middle West) - 未名空间MITBBS历史存档

60万就可以退休了(Middle West)# Stock

m*i2012-02-18 08:02

1 楼

Buy 5 investment properties at around 120K(nice area, including repairment
cost).
Net income per property at around 900/Month, so 10800/year.
54,000 gross income per year, 8000/year replacement cost, net around 44K
year.
If the inflation going up in the future, you can always raise the rent. So
it's inflation protected income.
In minnesota,you can buy in the remote area or a little rough area, the
return will be much higher. Like 10% a year.
If you dare enough to buy in the rough area, the return could be as high as
15%. Net 90K/Year.

z*12012-02-18 08:02

2 楼

as
大牛买房出租是自己打理各种出租事宜，还是丢给什么中介代管理，自己只管收钱。

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

d*72012-02-18 08:02

3 楼

Do you need to pay tax for the collected rent? Thanks.

as

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

g*l2012-02-18 08:02

4 楼

HEATING BILL一个月曾经到过600，将来可能会更贵吧，你不INCLUDE HEATING很难租出去，RENT当然是要INCOME缴税的，自己住的租出一间，IRS抓不住，买几个房子租出去肯定是要TAX的。问题是有些佃户马桶堵了都要你去捣大便的，不要以为出租房子那么简单，有人失业了你也不能把他们赶出去，房子修补这些事烦得很，中国人做地主老财梦的很多，其实不就是给人干擦屁股的事么，真想要出租房，还是要去大城市，人多租房的多，明尼苏达这种地方，房子租不出去怎么办，也得RUN HEATING吧，否则冬天把水管都冻爆了。

m*i2012-02-18 08:02

5 楼

I do it by myself.
Since I buy all the rentals in the better area, the return is lower but very
easy to rent it out(Much better renters). Very few problems.
This is the one I just purchased last month.
http://minneapolis.craigslist.org/hnp/apa/2830309747.html

【在 z****1 的大作中提到】

:
: as
: 大牛买房出租是自己打理各种出租事宜，还是丢给什么中介代管理，自己只管收钱。

m*i2012-02-18 08:02

6 楼

Of course, you can not avoid tax and death:)
You can depreciate your rental for 27.5 years. So basically, first 4% is tax
free. So the real before tax return is much higher.

【在 d****7 的大作中提到】

: Do you need to pay tax for the collected rent? Thanks.
:
: as

m*i2012-02-18 08:02

7 楼

For the 1500 square feet, the heating bill should be less then $100/month in
winter. The renters pay Electricity/Heating. Renting is not a problem find
the good renters is.

【在 g***l 的大作中提到】

: HEATING BILL一个月曾经到过600，将来可能会更贵吧，你不INCLUDE HEATING很难租出去，RENT当然是要INCOME缴税的，自己住的租出一间，IRS抓不住，买几个房子租出去肯定是要TAX的。问题是有些佃户马桶堵了都要你去捣大便的，不要以为出租房子那么简单，有人失业了你也不能把他们赶出去，房子修补这些事烦得很，中国人做地主老财梦的很多，其实不就是给人干擦屁股的事么，真想要出租房，还是要去大城市，人多租房的多，明尼苏达这种地方，房子租不出去怎么办，也得RUN HEATING吧，否则冬天把水管都冻爆了。

g*l2012-02-18 08:02

8 楼

没有什么SHOULD，新房可能，老房子1500 square feet，NYC冬天估计1000刀一个月，明尼苏达更冷吧

in
find

【在 m*****i 的大作中提到】

: For the 1500 square feet, the heating bill should be less then $100/month in
: winter. The renters pay Electricity/Heating. Renting is not a problem find
: the good renters is.

c*o2012-02-18 08:02

9 楼

50k agi will do ok in most states.
The real problem is health insurance etc. That's the real cost.

g*l2012-02-18 08:02

10 楼

我有60万的就在加州贷款买个100万的房子自己住着，房价涨回来是迟早的事，将来200
万卖出去，自己再去租房住。LOL

f*n2012-02-18 08:02

11 楼

你名下的房产，少说也有20套了！

as

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

L*n2012-02-18 08:02

12 楼

要自己打理的不算是真正的退休吧。

g*c2012-02-18 08:02

13 楼

l'd like to get 6m then retire worry nothing
(hopefully that will be enough)

g*l2012-02-18 08:02

14 楼

从40到80还有40年呢，还不知道要经历几个危机呢。

z*12012-02-18 08:02

15 楼

as
房子每年的物业税不知到要交多少？10万的房子一年交多少物业税？

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

g*l2012-02-18 08:02

16 楼

人明尼苏达没物业税吧

【在 z****1 的大作中提到】

:
: as
: 房子每年的物业税不知到要交多少？10万的房子一年交多少物业税？

f*a2012-02-18 08:02

17 楼

Mark

as

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

b*i2012-02-18 08:02

18 楼

就是，每天租户call你修这个修那个，还要交income tax交地税叫维护费，这54,000一
年赚得够辛苦的

【在 L****n 的大作中提到】

: 要自己打理的不算是真正的退休吧。

r*s2012-02-18 08:02

19 楼

不错的主意, 比给别人打工好吧?

g*l2012-02-18 08:02

20 楼

好不到哪里去，自己开店才是发财的正路，店做大了，自己吃利润就可以了。

【在 r***s 的大作中提到】

: 不错的主意, 比给别人打工好吧?

R*a2012-02-18 08:02

21 楼

开什么店啊，现在生意这么难？
关门的是很多

【在 g***l 的大作中提到】

: 好不到哪里去，自己开店才是发财的正路，店做大了，自己吃利润就可以了。

s*82012-02-18 08:02

22 楼

那还不如lending club,8%-12%利息，当然要交税。
或者买个加油站，自己不干，回报一般8%，基本上都能deduct,很少税。
或者开个subway,自己干20%，雇人10%左右，也是基本上能deduct,很少税。
买房出租，除了期望房产增值，属于绝对吃力不讨好的事情。

r*s2012-02-18 08:02

23 楼

现在买房出租比较简单, 而且房价可能已经见底了. 我和我第买了五套房子, 我们都买
在好区出租. 平时有我第管理(他做REALTOR, 很空), 他每星期有时什么事都没有, 最
多洗衣机坏了打个电话就完了, 夏天懒了也是打个电话让人割草.出租怕的是不交房租,
所以找人是一定要注意, 否则赶人很麻烦.

【在 s******8 的大作中提到】

: 那还不如lending club,8%-12%利息，当然要交税。
: 或者买个加油站，自己不干，回报一般8%，基本上都能deduct,很少税。
: 或者开个subway,自己干20%，雇人10%左右，也是基本上能deduct,很少税。
: 买房出租，除了期望房产增值，属于绝对吃力不讨好的事情。

m*i2012-02-18 08:02

24 楼

大夫好，牛屎你们这些momentum trading都瓒饱了。
我是不会让人家管我全部的钱。碰上一个John Paulson把你亏掉一半就惨了。
我这辈子是退不了休，老碌命啊!

【在 L****n 的大作中提到】

: 要自己打理的不算是真正的退休吧。

m*i2012-02-18 08:02

25 楼

I was really worry about this before. Really not so bad, on average I got
less then two calls per months for the all rental units. I have a 劳模 who
will do the repair for me(He charged $20/hour, for repair, driving, buy
material). My time involvement every month is minimal.

【在 b******i 的大作中提到】

: 就是，每天租户call你修这个修那个，还要交income tax交地税叫维护费，这54,000一
: 年赚得够辛苦的

m*i2012-02-18 08:02

26 楼

Good for you.
It's getting extremely difficulty to buy a good bargain in Minnesota.
Waiting the bank released all their foreclosure. If not for the foreclosure
bank yet to release, the market will go up 15%-20%.
There is absolutely no inventories in the market right now.

租,

【在 r***s 的大作中提到】

: 现在买房出租比较简单, 而且房价可能已经见底了. 我和我第买了五套房子, 我们都买
: 在好区出租. 平时有我第管理(他做REALTOR, 很空), 他每星期有时什么事都没有, 最
: 多洗衣机坏了打个电话就完了, 夏天懒了也是打个电话让人割草.出租怕的是不交房租,
: 所以找人是一定要注意, 否则赶人很麻烦.

l*22012-02-18 08:02

27 楼

60万就可以退休, this is true/ok for now.
But you are joking if 40 years later.

as

【在 m*****i 的大作中提到】

: Buy 5 investment properties at around 120K(nice area, including repairment
: cost).
: Net income per property at around 900/Month, so 10800/year.
: 54,000 gross income per year, 8000/year replacement cost, net around 44K
: year.
: If the inflation going up in the future, you can always raise the rent. So
: it's inflation protected income.
: In minnesota,you can buy in the remote area or a little rough area, the
: return will be much higher. Like 10% a year.
: If you dare enough to buy in the rough area, the return could be as high as

B*o2012-02-18 08:02

28 楼

JMO, being a landlord means working as a handy man and most of the income
comes from working by yourself instead of hiring somebody.
But, renting is good in the sense that you can depreciate the property and
get deductions, provided that you are not going to sell the houses.
In general, it is still a fair business. But depend on your plan for the
future.

p*n2012-02-18 08:02

29 楼

做地主不错，无论如何投资回报是正的。

m*i2012-02-18 08:02

30 楼

This is why the real estate. The rent can keep up the inflation.
This is not true for other investment.

【在 l******2 的大作中提到】

: 60万就可以退休, this is true/ok for now.
: But you are joking if 40 years later.
:
: as

b*i2012-02-18 08:02

31 楼

我觉得如果你真的要买，买那种一栋6.7个apartment那些比较好管理，管理成本也降低很多,不要买5-6间house，这样分散比较难管理.另外找一个信任的handy man是关键。

【在 m*****i 的大作中提到】

: I was really worry about this before. Really not so bad, on average I got
: less then two calls per months for the all rental units. I have a 劳模 who
: will do the repair for me(He charged $20/hour, for repair, driving, buy
: material). My time involvement every month is minimal.

o*r2012-02-18 08:02

32 楼

小声问一句，名菜大牛是全职包租公，还是干全职工作？