湾区双职工的理财术 - Zhuzhu1972

我们是标准的湾区双职工，mid-30s，硕士学历，在High Tech公司上班，薪水Average(LG 160K, LP 90K 含bonus)。看着是蛮高的，可是光靠这点死薪水，每月的赤字就吓人了。不相信，我算给你听：

Take home pay: $10,000 (excluding tax, $15,500 each for 401K, 15% ESPP)

Expense:
Mortgage (900K, 5.375%) $5045
Property Tax/Insurance $1500
Food $1000
Household items $300
Gardener $210
Car payment $645 (0% interest 5 years)
Gas/car maintenance $600
Utility $500-600 (electricity, water,trash)
Child care $950
Note: This number will double since the 2nd child will be born at
the end of the year.
Other expenses for baby $500 (diaper, formula, clothes, toy,activities)
Clothes $500 (年底sales的时候买的多,平均大概是这个数)
Entertainment $50 (家里有baby，没有时间玩了)
Others $200
Total expense $12100 - $13000

当然卖点股票贴补也行，但是这样就存不了什么钱了。

我们的solution是rental apartments, 而且是有cash flow 的property. 这样的property 在加州难找，在midwest 还挺多，只是property value上升空间不大。不过我们本来只是对现金流有兴趣，投资的criteria是good location, good cash flow and newer property (low maintenance cost). 目前的profolio 有68 unit, net value 约 3 M, LTV 75%, net income >$6K/month.

也许大家要问我们的downpayment 从何而来，这要感谢湾区地产前几年的疯狂上涨，
卖了两间房，净赚了600K, 1031 exchange defers capital gain tax。再卖点股票，
也就差不多了。

最近在看一个listing, 30 unit (1 bed/1bath), 1998 built, total monthly rent
15K. 要价1.4M, owner financing (90%, 6.5% interest, 25 yr amortization,
5yr balloon)。正在谈价钱，希望能讲到1.3M。Cashflow 大概有$2500 左右，听起
来不坏吧。