w********j
发帖数: 133 | 1 有一个房子，首付了75K。现在每个月mortgage+hoa+ property tax大概1.8k。房租每
月2.3K 按照收益率来说(2.3-1.8)*12/75=8%还是不错的。但是房租收入报税之后再算
一下能不能正都是问题了。这种情况maintenance fee一个月大概能报多少呢？除了这
个还有其他办法抵税么？
想来想去就算房子找了一个不错的deal，最后实际算下来能有正的cash flow实在太难
了啊。 | p*********w
发帖数: 606 | 2 房租要报税的部分是
rental income - interests - hoa - property tax - insurance - maintainance -
house yearly depreciation
通常这样减完了就是负数了，不是你要给IRS交税，而是他要给你退税
【在 w********j 的大作中提到】
: 有一个房子，首付了75K。现在每个月mortgage+hoa+ property tax大概1.8k。房租每
: 月2.3K 按照收益率来说(2.3-1.8)*12/75=8%还是不错的。但是房租收入报税之后再算
: 一下能不能正都是问题了。这种情况maintenance fee一个月大概能报多少呢？除了这
: 个还有其他办法抵税么？
: 想来想去就算房子找了一个不错的deal，最后实际算下来能有正的cash flow实在太难
: 了啊。
| j***1
发帖数: 158 | 3 your 8% is illusional...
you mixing in 2 different topics here.
1. for budgeting, each year you need to budget 10% vacancy (or 1 month), and
insurance, and repairs. for repairs, you need to budget $150 each month
per unit if less than 10 units.
2. for tax purpose, principal payment can not be deducted, only interest can
; and remember rental is all cash business, so only real repair costs can be
deducted, whatever you do yourself is not deductible. | w********j
发帖数: 133 | 4 赞一下 对我这种菜鸟来说真是非常适用 非常感谢
-
【在 p*********w 的大作中提到】
: 房租要报税的部分是
: rental income - interests - hoa - property tax - insurance - maintainance -
: house yearly depreciation
: 通常这样减完了就是负数了，不是你要给IRS交税，而是他要给你退税
| w********j
发帖数: 133 | 5 非常受用 感谢!
and
can
be
【在 j***1 的大作中提到】
: your 8% is illusional...
: you mixing in 2 different topics here.
: 1. for budgeting, each year you need to budget 10% vacancy (or 1 month), and
: insurance, and repairs. for repairs, you need to budget $150 each month
: per unit if less than 10 units.
: 2. for tax purpose, principal payment can not be deducted, only interest can
: ; and remember rental is all cash business, so only real repair costs can be
: deducted, whatever you do yourself is not deductible.
|
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