Let’s use this home as an example:

https://www.zillow.com/homedetails/1182 ... 06406_zpid

**Sales Price:**159,500

**Down Payment:**31,900

**Interest:**4%

**Mortgage:**$711 per month (P&I, Insurance, Taxes)

**Rental Management Fee:**$300 (Is this accurate?)

**Rental Income:**$2,000 per month (is this realistic for a 3 bed 2 bath?)

**Net:**$2,000 (rental income) - $711 (mortgage) - $300 (rental management) = $989 net.

I realize that above calculations might be optimistic, but maybe with repairs/maint., a higher maint. fee, and generally less optimistic numbers we’d be looking at netting at least $500 per month?

What do you think of this analysis?

Any help is appreciated!

PS. Here's my accounts:

**Main accounts:**

- Cash - $7,000

- 401k\IRA - VTSAX (Vanguard Total Stock Market) - $48,000

- Roth IRA - VTIAX (Vanguard Total International Stock Market) -$20,000

- Taxable -VTSAX (Vanguard Total Stock Market Index Fund ) - $23,000

- Crypto (Ethereum) - $3,000

**2018 investment plan (per month):**

- Checking - +$250

- Savings - +$262

- Roth IRA (VTIAX) - +$459

- 401k (VTSAX) - +$1,916

- Taxable (VTSAX) - +$1,500

**Misc Info:**

- Minimal CC debt (<1k)

- 15 year mortgage payment + HOA ($2,697 per month, $274,842.69 left on loan balance, 3.99% interest rate)

- Rental income ($970 per month)

- Int. and domestic stock accounts for ~90% of assets, cash ~10% (not including home in this mix)

- 28 years old