• 朋友正好在洛杉矶持有一套公寓(condo)。详细了解了一下，具体如下：

    2020年买入价26万刀，买入时，地价税每年4000刀，房屋保险每年500刀，物业费每年3700刀，持有成本每年合计8200刀，占房屋总价的比例为3.15%。买入后房子就出租了，每月的租金收入是1600刀，一年19200刀。减掉持有成本，净收益为11000刀。当时的租售比4.23%。

    目前这套房子的市场价比当初有所上涨，最新的价格朋友也不太清楚，不过现在每年的地价税是6000刀，按此涨幅计算，房屋总价现在为39万刀。现在每年的房屋保险费为700刀，物业费为4080刀。现在一年的持有成本为10780刀，占房屋总价的比例为2.76%。现在这套房子一个月租金收入2000刀，一年24000刀。净收入13220刀，租售比3.39%。

    这套房子如果按揭买，按揭利息也可以抵税，这里就不再计算了

    A friend of mine owns a condo in Los Angeles. I looked into the details, and here's what happened:

    The purchase price in 2020 was $260,000. At the time of purchase, the annual property tax was $4,000, homeowner's insurance was $500, and the property management fees were $3,700. The total annual carrying costs were $8,200, representing 3.15% of the total purchase price. After the purchase, the property was rented out, generating $1,600 in monthly rental income, or $19,200 annually. After deducting the carrying costs, the net income was $11,000. The rental-to-sale ratio at the time was 4.23%.

    The current market value of the property has increased somewhat since its initial purchase price. My friend doesn't know the latest price, but the annual property tax is $6,000. Based on this increase, the total purchase price is now $390,000. The annual homeowner's insurance premium is $700, and the property management fees are $4,080. The annual carrying costs are now $10,780, representing 2.76% of the total purchase price. The current rental income from this house is $2,000 per month, or $24,000 per year. This translates to a net income of $13,220, and a 3.39% rental-to-sale ratio.

    If this house were purchased with a mortgage, the mortgage interest would be tax deductible, so I won't include it here.