大人日记 Day 83 · Good Cash Flow, Right? ｜ 陪朋友看房

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📌 关键词：
· listing /ˈlɪstɪŋ/ 挂牌出售的房源。例：a listing / see a listing / it's still on the listing
· three-family house /θriː ˈfæməli haʊs/ 三家庭住宅, 一栋楼分成三套独立住家, 可以分别出租
· rent it out /rent ɪt aʊt/ 把它租出去 (rent out 是当房东往外租)。例：rent it out / rent out the top floor / we rented it out last year
· its own entrance /ɪts oʊn ˈentrəns/ 自己独立的入口。例：its own entrance / a separate entrance / each floor has its own
· asking price /ˈæskɪŋ praɪs/ 卖家的要价 (成交价未必等于它)。例：asking price / the asking price is / below asking
· covers the mortgage /ˈkʌvərz ðə ˈmɔːrɡɪdʒ/ 够付月供 (cover 是收入刚好覆盖支出)。例：covers the mortgage / that covers the rent / it barely covers it
· twice over /twaɪs ˈoʊvər/ 两倍还多, 绰绰有余。例：twice over / it pays for itself twice over / I told you twice over
· interest rate /ˈɪntrəst reɪt/ 利率。例：the interest rate / rates went up / a five percent rate
· cash flow /kæʃ floʊ/ 现金流 (收进来减去付出去, 每月净剩多少)。例：cash flow / good cash flow / positive cash flow
· one thing, another /wʌn θɪŋ əˈnʌðər/ A 是一回事, B 是另一回事 (用来对比说法和实际)。例：paper numbers are one thing, the tax bill is another / saying it is one thing, doing it is another
· tax bill /tæks bɪl/ 房产税单。例：the tax bill / a high tax bill / see the actual tax bill
· leases /ˈliːsɪz/ 租约, 租房合同 (lease 的复数)。例：the current leases / sign a lease / a one-year lease
· ran the numbers /ræn ðə ˈnʌmbərz/ 算了一遍账 (run the numbers 是把数字过一遍看划不划算)。例：ran the numbers / let me run the numbers / the numbers work
· go over asking /ɡoʊ ˈoʊvər ˈæskɪŋ/ 出价高于要价 (抢房时加钱)。⚠️ offer 是你出的价, 不是你要拿到的东西, 所以说 go over asking to get it, 不说 get the offer。例：go over asking / they went ten percent over asking
· keep you posted /kiːp ju ˈpoʊstɪd/ 有进展我随时告诉你。例：keep you posted / I'll keep you posted / keep me posted
· land it /lænd ɪt/ 拿下, 搞定 (争取到手的意思, 房子/工作/客户都能用)。例：land it / land the deal / she landed the job
📖 今日全文：
① I went with a friend to see a listing today. It's a three-family house.
今天我陪朋友去看了套房源. 是套三家庭的房子.
② That means you can rent it out to three families.
意思是可以租给三户人家.
③ Each floor has its own entrance.
每层都有独立入口.
④ Two bedrooms, two bathrooms. Same on every floor.
两室两卫. 每层都一样.
⑤ The asking price is around one million.
要价一百万左右.
⑥ And the rent is about ten thousand a month.
月租大概一万.
⑦ So the rent covers the mortgage. Twice over.
所以租金能覆盖月供. 还是两倍还多.
⑧ The interest rate right now is around five percent.
现在利率大概五个点.
⑨ Honestly, that's pretty good cash flow, right?
说实话, 这现金流挺不错的吧?
⑩ But paper numbers are one thing. The real tax bill is another.
但纸面数字是一回事. 真实税单是另一回事.
⑪ I told them to check the current leases too.
我让他们把现有的租约也查一下.
⑫ We ran the numbers in the car all the way home.
回家路上我们在车里一路算账.
⑬ I guess they'll have to go over asking to get it.
估计他们得加钱高于要价, 才拿得下来.
⑭ I'll keep you posted next week. Let's see if they can land it.
下周我再跟你们汇报. 看看他们能不能拿下.
明天见。Have a nice day!