v********d 发帖数: 618 | 1 俺今年第二栋投资房 很不顺利.
先是包工头拖工期,拖了很久. 四十天的工程,硬是被他拖了七十天.
然后,好不容易上市,签了合约,等了六十天,对方贷款被否决了.
这中间,冰箱和洗碗机被盗.
终于,重新上市.有拿到新合约.
房屋检查,从新修理.
万幸,今天按时过户了.
详细帐目如下-
Purchase 200000
Renovation etc 53000
Closing Cost purchase 3430
Closing Cost sell 801
Commission 10600
Interest 12078
Total Cost 279909
Selling Price 320000
Net Profit 40091
辛苦半年,挣了区区四万块. 真是气死老夫了. 不过转念一想,没赔,赚了就好.
原来旧贴如下..
http://www.mitbbs.com/article_t0/Living/31759521.html
教训--
1. 宁可找一个价格稍高的包工头,也不能找拖工期的. 拖工期就意味着你要付出更多的
利息,还耽误了其它的机会.
2. 对拿FHA贷款的买主,要小心再小心.光看批准信还不行,一定要看具体收入. | T******r 发帖数: 2937 | 2 不错, 4万也不少.
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 俺今年第二栋投资房 很不顺利. : 先是包工头拖工期,拖了很久. 四十天的工程,硬是被他拖了七十天. : 然后,好不容易上市,签了合约,等了六十天,对方贷款被否决了. : 这中间,冰箱和洗碗机被盗. : 终于,重新上市.有拿到新合约. : 房屋检查,从新修理. : 万幸,今天按时过户了. : 详细帐目如下- : Purchase 200000 : Renovation etc 53000
| k******7 发帖数: 409 | 3 Impressive, dude.
You should have paid a portion of property tax for 2010 and some amount of
insurance, right?
good job | v********d 发帖数: 618 | 4 I included the property tax, insurance, and utilities in the Renovation, etc
. part.
Thank you!
of
【在 k******7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Impressive, dude. : You should have paid a portion of property tax for 2010 and some amount of : insurance, right? : good job
| v********d 发帖数: 618 | 5 Thank you :-)
【在 T******r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不错, 4万也不少.
| t**m 发帖数: 263 | 6 你该搞个realtor agent license, 省commission钱 | N**s 发帖数: 1916 | 7 GXGX. You cannot include property tax, ins, and utilities in the renovation
part for tax purpose, as they are considered operating costs. You can,
however, include them in the rental loss (I report flip as $0 income rental
property so all operating costs can get deducted).
etc
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I included the property tax, insurance, and utilities in the Renovation, etc : . part. : Thank you! : : of
| N**s 发帖数: 1916 | 8 Before the 90-day seasoning rule expires, I would not consider any FHA
buyers.
FHA/VA buyers however normally offer higher price as they pay little or $0
down。
2. 对拿FHA贷款的买主,要小心再小心.光看批准信还不行,一定要看具体收入
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 俺今年第二栋投资房 很不顺利. : 先是包工头拖工期,拖了很久. 四十天的工程,硬是被他拖了七十天. : 然后,好不容易上市,签了合约,等了六十天,对方贷款被否决了. : 这中间,冰箱和洗碗机被盗. : 终于,重新上市.有拿到新合约. : 房屋检查,从新修理. : 万幸,今天按时过户了. : 详细帐目如下- : Purchase 200000 : Renovation etc 53000
| k******7 发帖数: 409 | 9 good point
rental
【在 N**s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Before the 90-day seasoning rule expires, I would not consider any FHA : buyers. : FHA/VA buyers however normally offer higher price as they pay little or $0 : down。 : 2. 对拿FHA贷款的买主,要小心再小心.光看批准信还不行,一定要看具体收入
| f******w 发帖数: 10267 | 10 just curious, what flooring did you put down in the basement? | | | k******1 发帖数: 1746 | | h********8 发帖数: 7355 | 12 恭喜lz。
请问,什么装修对resale增值帮助较大? 中等价位房。 | n*********e 发帖数: 25274 | 13 下次搞个million house,就能赚$40万了. | v********d 发帖数: 618 | 14 Yes, I am licensed, but I need to pay the buyer's agent :-)
Thank you for reading.
【在 t**m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你该搞个realtor agent license, 省commission钱
| v********d 发帖数: 618 | 15 Ceramic tiles in the basement.
【在 f******w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : just curious, what flooring did you put down in the basement?
| v********d 发帖数: 618 | 16 Right! FHA loans are problematic.
【在 N**s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Before the 90-day seasoning rule expires, I would not consider any FHA : buyers. : FHA/VA buyers however normally offer higher price as they pay little or $0 : down。 : 2. 对拿FHA贷款的买主,要小心再小心.光看批准信还不行,一定要看具体收入
| v********d 发帖数: 618 | 17 1. painting
2. flooring
3. Kitchen
4. Bath
5. Landscaping
But it really depends ..
【在 h********8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 恭喜lz。 : 请问,什么装修对resale增值帮助较大? 中等价位房。
| v********d 发帖数: 618 | 18 Actually, a million $ house can have much more profit, but are also more
risky.
【在 n*********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 下次搞个million house,就能赚$40万了.
| n*********e 发帖数: 25274 | 19 回贴越来越少,看来flipper的生意越来越难做了. | v********d 发帖数: 618 | 20 It's going to be easier when the market is rising.
【在 n*********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 回贴越来越少,看来flipper的生意越来越难做了.
| | | n*********e 发帖数: 25274 | 21 最近两年,股市比房市翻得厉害得多啊.
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : It's going to be easier when the market is rising.
| Z**Q 发帖数: 48 | 22 Would you please explain a little more detail about why FHA loan got you in
to the trouble?
Thanks a lot!
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Right! FHA loans are problematic.
| w***t 发帖数: 8175 | | i******m 发帖数: 2591 | 24 什么地区?
投资的是公寓还是house?
【在 v********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 俺今年第二栋投资房 很不顺利. : 先是包工头拖工期,拖了很久. 四十天的工程,硬是被他拖了七十天. : 然后,好不容易上市,签了合约,等了六十天,对方贷款被否决了. : 这中间,冰箱和洗碗机被盗. : 终于,重新上市.有拿到新合约. : 房屋检查,从新修理. : 万幸,今天按时过户了. : 详细帐目如下- : Purchase 200000 : Renovation etc 53000
| v********d 发帖数: 618 | 25 Alexandria inside the beltway, SFH
【在 i******m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 什么地区? : 投资的是公寓还是house?
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