看看我给ottawa出租房子算的账

[冷笑9声]

CMHC insured commercial mortgage, 20% down, with lower rate, 老向can buy a positive cashflow multi-unit apartment building upto $2.5M. If seller wishes provide him 10% 2nd mortgage, he can go $5M building
老向有钱银。。。

您老更有钱儿，$50万cash还算空手的。

今天老向红酒喝多了，暖大发了。。 2.5M的八合院、十六合院不是这种玩法。当年老闲给俺科普，商贷，成交价和银行贷款时的估价完全是两码事，很可能只给你贷1M的80%。

 

[uglyducking]

今天老向红酒喝多了，暖大发了。。 2.5M的八合院、十六合院不是这种玩法。当年老闲给俺科普，商贷，成交价和银行贷款时的估价完全是两码事，很可能只给你贷1M的80%。

it's also possible that the bank appraised the building to be $2.5M but 老向bought it for $1M, the loan is based on $2.5M which is $2M (ltv 80%). 老向earned $1M right away without anything out of his pocket.

 

[mimi_ge]

Leverage is a double edge sword. What's the worst case? What if housing goes down 10% ? 20%?

Also do you have the cashflow to borrow that much?

easy,go bk

 

[9981]

Gold is a great thing to sew into your garments if you’re a Jewish family in Vienna in 1939, but I think civilized people don’t buy gold, they invest in productive businesses.

 

[臭农民]

Gold is a great thing to sew into your garments if you’re a Jewish family in Vienna in 1939, but I think civilized people don’t buy gold, they invest in productive businesses.

do you have any productive businesses?

 

[karma111]

easy,go bk

I don't like go back to GO. It's not fun.
Time is the most valuable thing we can have.

 

[9981]

do you have any productive businesses?

Oh yeah, I own a few stocks, that is what Warren means.



But in a broader concept, invest money on your own skills is also 'productive business'.

 

[向问天]

去问问银行，能贷出来款吗？忒想当然了。有这好事，坐着也行，是躺着也行，钱就哗哗奔你来了。

看你的图像西服革履，你是银行家吧？

如果有工作，有一套的首付，贷出一套的钱不难吧？
如果同时找N个贷款机构呢？
复印机都用过吧？ 原理是一样的。

 

[roller coaster]

看你的图像西服革履，你是银行家吧？

如果有工作，有一套的首付，贷出一套的钱不难吧？
如果同时找N个贷款机构呢？
复印机都用过吧？ 原理是一样的。

俺不是银行家，俺是音乐家，可渥村好像没人认识俺。

嗯，恁还可以印钞票，开银行自己给自己贷款。

 

[mimi_ge]

看你的图像西服革履，你是银行家吧？

如果有工作，有一套的首付，贷出一套的钱不难吧？
如果同时找N个贷款机构呢？
复印机都用过吧？ 原理是一样的。

肚皮笑的痛死了

 

[Spring.365]

问个问题啊：
自住房和出租房（非自住）的mortgage利率是不是不一样的？

 

[冷笑9声]

肚皮笑的痛死了

俺弄明白了，丫不是不懂，丫很可能是要卖房子， CFC上忽悠，找下家接手呢。

 

[臭农民]

俺弄明白了，丫不是不懂，丫很可能是要卖房子， CFC上忽悠，找下家接手呢。

同样道理秘密哥是准备下手买房
我揭发一下，他有套出租房，大家用小脑想一下，那么不好，他捏手里干哈呢？:blink:

 

[OCAC]

问个问题啊：
自住房和出租房（非自住）的mortgage利率是不是不一样的？

应该是一样的。

 

[冷笑9声]

应该是一样的。

当N<（5-7）