Income (cash flow): This is often called positive cash flow after all expenses are paid, including my mortgage payment and taxes.
Depreciation (phantom cash flow): This appears as an expense when it's really income that comes from a tax break. This confuses many people who are new to investing in real estate; it's essentially income you don't see.
Amortization: This is income because your tenant is paying down your loan. Paying the mortgage on your personal residence is an expense, but when your tenant pays your loan down, it's cash flow.
Appreciation: This is really inflation that appears as appreciation. If your rental income goes up, you as an investor can refinance and borrow your appreciation out as tax-free cash, and have your tenant pay for the amortization of the new loan amount. In other words, it can be tax-free cash flow.
成也蕭何,敗也蕭何,無用贅言.
我想說的,反是想表達買樓自住的問題.
原則很簡單,你會成家立室嗎?
答案若否,以上的置業好處與你無關,當然更無用承受風險.
原因很簡單:與其百年之後益政府,何不成立大學助學金遺愛人間?
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