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To: Alberta's Child

That definitely depends on your location, your credit history and down payment. A $130k purchase in Ft Worth TX with 20% down and about a 4.5% rate costs about $980/mo (PITI) and rents for $1350. Nice margin and room for decrease if necessary but in the meantime, that extra can go to improvements or paying down the principal in a hurry.


53 posted on 11/13/2015 4:58:20 AM PST by Mac n Jac (www.vetsfightingms.org)
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To: Mac n Jac

The analysis doesn’t hold up unless you compare the cost of ownership with a $0 down payment. Even if you wouldn’t (or couldn’t) do this, it makes for a more realistic comparison — because the scenario you’ve presented doesn’t account for the fact that the renter still has $26,000 in his pocket that he didn’t put down on a $130,000 home.


54 posted on 11/13/2015 5:01:56 AM PST by Alberta's Child ("It doesn't work for me. I gotta have more cowbell!")
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To: Mac n Jac

One thing about that scenario seems odd. If there is such a huge difference between ownership and renting in that area in favor of ownership, then the market ought to be flooded with people buying homes for $980/month and renting them out for $1350/month.


56 posted on 11/13/2015 5:13:31 AM PST by Alberta's Child ("It doesn't work for me. I gotta have more cowbell!")
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