Pakupera kwemuenzaniso uyu ndeyekubatana kune mahwendefa maviri, imwe sampuli uye imwe isina chinhu chisina kugadzirirwa kuverenga mutezo wekubhadhara mari uye mari-pa-mari yekukohwa mahara kubva pane zvaunotora.
Nheyo dzeNheyo Dziripo:
Mwedzi weKubhadhara Mari inosvika $ 2,400.00
Percent of Year Uncucued 5%
Buda kuZvato zveNhepfenyuro yegore negore mu $ 27,360.00
Gore negore Inishuwarenzi Imari $ 1,200.00
Mutero wegore negore $ 1,400.00
Gore Rokudzorera Bhijiti $ 600.00
Percent of Rent Mgmt Fee ye 6%
Izvi zvinodhura zvose kuCash Annual ye $ 4842
Mari inosvika $ 27,360 minus ye $ 4842 = $ 22,518 mari yokubhadhara mari mushure mekushandisa mari
Imba yekuwana mari inodhura $ 300,000.00
$ 22,518 akaparadzaniswa nehupfumi hwema $ 300,000 = Imba inobhadhara 7.5%
Mari-in-cash Kutengesa Kugoverwa:
Mwedzi weKubhadhara Mari inosvika $ 2,400.00
Percent of Year Uncucued 5%
Buda kuZvato zveNhepfenyuro yegore negore mu $ 27,360.00
Imba yekuwana mari inodhura $ 300,000.00
Kutsika Kuderera - Cash In $ 60,000.00
Mari yekwereti $ 240,000.00
Payment Monthly Principal / Interest $ 1,556.64
Gore negore Inishuwarenzi Imari $ 1,200.00
Mutero wegore negore $ 1,400.00
Gore Rokudzorera Bhijiti $ 600.00
Percent of Rent Mgmt Fee ye 6%
Iyi inodhura yose kuCash Annual ye $ 23,521.28
Mari inosvika $ 27,360 inodhura $ 23,521 = $ 3839 mari inodzoka pamari
$ 3839 yakapatsanurwa nemari yekutsinhanisa $ 60,000 = Cash-on-cash Kutengesa Kugovera 6.4%
Risk vs Reward
Kana zvasvika kune ngozi, vashomanana vanogona kutaura kuti munguva shomanana yemusika wekutengesa unogona kunge wakanganisa. Nokufamba kwenguva blips dzinowanzogadzirisa uye kudzoka zvakare.
Asi, kana iwe usingakwanise kumirira izvozvo iwe unogona kurasikirwa nemari nyore nyore. Nhau shoma shoma kana nhoroondo yakaipa yemari inotora inogona kutora chikwata pasi zvakaoma kwekanguva.
Imba yakasarudzwa yakasarudzwa ichapa mwedzi wega wega yakajeka mari inoyerera uye inenge yakasvibiswa kubva munhau dzakaipa dzezvehupfumi. Murimi wacho achiri kuda nzvimbo yekurarama, kunyange kana misika yekutengesa ichangotora dive. Pamusoro penguva refu, iwe unofanirwa kunge uchivaka kuenzana kuburikidza nekukosha kwekuonga nekubhadhara pasi chikwereti. Iko kuenzana kunogona kuiswa kune mamwe mazvikwereti.
Dzokera paInvestment
Zvikwereti hazviperi mungozi, asi kushandiswa-kurega kwezvibereko zvakaderera . Bond inofanirwa nemasipirini akachengeteka uye hurumende yehurumende yakaderera pane zvisungo zvehurumende, asi izvo hazvisi izvo zvakanyanya. Sezvandinonyora izvi, avhareji yeMoody's Aaa Corporate Bond Yield inongova 3.69% chete. Zvakaoma kuti ufare pamusoro peizvi, kunyanya kana iwe uri mutorwa uye pane mari yakasarudzwa.
Kubuda kwemwedzi kwemwedzi kweimba yakanaka yekubhadhara kunogona kupa nyore nyore avo vanodzoka, zvikurukuru nemitero yekutere yausingawani nemamwe marudzi emafa. Iwe unogona zvakare kushandisa muchengeti nemitengo yemari. Panzvimbo pokutora madhora 150 000 kubva muzvisungo kuti utenge imba mari, unogona kungotora madhora makumi matatu nemakumi matatu ekubhadhara pasi uye ugare wakasiyana-siyana nekudzoka kwakanaka pane iwe wekutsvaga.