求讨论Seattle买房【一亩三分地论坛海外生活版】

. 汉浜,涓憨涓/font>
6% (of selling price                                                                       ----- broker fee
1%  (of buying price)                                                                    ----- mortgage initiation fee, miscellaneous fee
4% (buying price, assume you get this rate for your primary home, assume you make 20% down payment) * 2 * 80% = 6.4%  ----- mortgage interest over 2 years
1.25 * 2 = 2.5 %  (buying price)                                                   ----- property tax over 2 years
1%  (my guestimation, generally increase every year for condo)----- HOA. Assume you pay this much over 2 years, which is already pretty low.
0.5%  (guestimation)                                                                    ----- property insurance over 2 years .This number may be off. But you get the idea..璁哄-涓憨-涓/font>
. 汉浜,涓憨涓/font>
Those number are your cost of owning the property. You need to count in your rental income and home value increase (2 years won't be much?) to justify buying and selling in such short period.
. 磋滑@1point 3 acres
In my opinion, the rental income (assume you pay yourself rent as well) in Seattle can almost cover all those fees and justify owning such a property except for one thing -- the 6% broker fee and the initiation fee. That's why I think people should hold the property for longer time to let the valuation increase cover the broker fee, and profit (;