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Should I buy a rental property?
Run the numbers on a rental before you buy it: what it puts in your pocket each month, what it returns on the cash you put in, and how much room there is before it costs you money.
The purchase
Fannie Mae requires at least 15% on one unit.
An investor quote, usually higher than for a home you live in.
Rent and running costs
ASSUMPTIONS INSIDEWhat comparable homes nearby actually rent for.
Assumption, not a sourced figure: about 18 days a year empty. Change it to match the property.
Assumption, not a sourced figure: roof, HVAC and appliances, saved monthly. Change it to match the property.
Assumption, not a sourced figure: routine repairs. Change it to match the property.
A landlord policy, not a homeowner's.
Assumption, not a sourced figure: on rent collected. Change it to match the property.
Add the price, the down payment, the mortgage rate and the rent. The vacancy, management, maintenance and reserve assumptions are filled in; change any of them.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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