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10-12M mortgage
iKenya
#51 Posted : Monday, June 27, 2016 9:12:07 AM
Rank: Member

Joined: 7/27/2008
Posts: 241
I think your decision is deciding between Capital appreciation and not high rental yields. Do you want after 10 years to have collected 10M in rent on a property you can only resale at what you bought it or, do you want to hold a property worth 20million but with 5M worth of rent collected to date. The younger you are the more I would encourage the capital appreciation route, however, since you are taking a mortgage, then the basic determiner will be how you will service it in a manner that the capital appreciation is not negated/consumed by the interest rate.
Quote:
Buy when there's blood in the streets, even if the blood is your own...
UpcomingPaperChaser
#52 Posted : Monday, June 27, 2016 11:55:11 PM
Rank: Member

Joined: 1/20/2015
Posts: 489
Location: Nairobi
Go to Bamburi in Mombasa. You can easily get a 1/4 acre for 3 million. With the remaining 9 million, build 9 hgihg standard bedsitters at 1 million each. a nicely finished bedsitter goes for 7-10k here, so we are looking at a gross monthly return of between 63 - 90k per month.

The advantage of this avenue is that, 9 bedsitters will barely occupy 1/8th of an acre. That means you will still have another 1/8th of an acre awaiting development in the future.

Another advantage is that the bedsitters will occupy the ground floor hence leaving you with room for additional floors upwards.

If you are serious with this, i could carry out a detailed feasibility study for you with figures and numbers involved.
Enjoy every moment of your life, you never know when your time will come.
tnai9
#53 Posted : Tuesday, June 28, 2016 8:38:31 AM
Rank: Member

Joined: 6/21/2010
Posts: 345
Location: easto
UpcomingPaperChaser wrote:
Go to Bamburi in Mombasa. You can easily get a 1/4 acre for 3 million. With the remaining 9 million, build 9 hgihg standard bedsitters at 1 million each. a nicely finished bedsitter goes for 7-10k here, so we are looking at a gross monthly return of between 63 - 90k per month.

The advantage of this avenue is that, 9 bedsitters will barely occupy 1/8th of an acre. That means you will still have another 1/8th of an acre awaiting development in the future.

Another advantage is that the bedsitters will occupy the ground floor hence leaving you with room for additional floors upwards.

If you are serious with this, i could carry out a detailed feasibility study for you with figures and numbers involved.

@PaperChaser,
We are only allowed to buy residential houses otherwise commercial property was the way to go.

I have narrowed down to two options
The apartment on Mbagathi way, majorly because of location and anticipated capital gain and the Houses in the County HQ coz of slightly higher returns and a lower initial cost.

Where are the investment analysts?
"The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence." ― Charles Bukowski
UpcomingPaperChaser
#54 Posted : Tuesday, June 28, 2016 3:27:11 PM
Rank: Member

Joined: 1/20/2015
Posts: 489
Location: Nairobi
tnai9 wrote:
UpcomingPaperChaser wrote:
Go to Bamburi in Mombasa. You can easily get a 1/4 acre for 3 million. With the remaining 9 million, build 9 hgihg standard bedsitters at 1 million each. a nicely finished bedsitter goes for 7-10k here, so we are looking at a gross monthly return of between 63 - 90k per month.

The advantage of this avenue is that, 9 bedsitters will barely occupy 1/8th of an acre. That means you will still have another 1/8th of an acre awaiting development in the future.

Another advantage is that the bedsitters will occupy the ground floor hence leaving you with room for additional floors upwards.

If you are serious with this, i could carry out a detailed feasibility study for you with figures and numbers involved.

@PaperChaser,
We are only allowed to buy residential houses otherwise commercial property was the way to go.

I have narrowed down to two options
The apartment on Mbagathi way, majorly because of location and anticipated capital gain and the Houses in the County HQ coz of slightly higher returns and a lower initial cost.

Where are the investment analysts?


For the Mbagathi apartments, you say the rent is about 55k, you forgot to factor in service charges which is compulsory in apartments. so we are looking at about 10k off the 50k.......

As for teh county one, you ought to realize that capital appreciation outside the biggest towns in kenya is very minimal. so for a 12 million house, you might find it to be worth only 15 million in ten years time.......

option of last resort, scout for those Mombasa Road apartments going for 4 - 4.5 million like Sunset Boulevard and Sheshe where the rent is about 20 - 25k per month, for 12 million, buy 3 of them. hence an anticipated gross income of between 60 - 75k. the advantage of this is that the appreciation will be threefold as each apartment will appreciate in value independently!!!!
Enjoy every moment of your life, you never know when your time will come.
tnai9
#55 Posted : Tuesday, June 28, 2016 5:16:43 PM
Rank: Member

Joined: 6/21/2010
Posts: 345
Location: easto
UpcomingPaperChaser wrote:

For the Mbagathi apartments, you say the rent is about 55k, you forgot to factor in service charges which is compulsory in apartments. so we are looking at about 10k off the 50k.......

As for teh county one, you ought to realize that capital appreciation outside the biggest towns in kenya is very minimal. so for a 12 million house, you might find it to be worth only 15 million in ten years time.......

option of last resort, scout for those Mombasa Road apartments going for 4 - 4.5 million like Sunset Boulevard and Sheshe where the rent is about 20 - 25k per month, for 12 million, buy 3 of them. hence an anticipated gross income of between 60 - 75k. the advantage of this is that the appreciation will be threefold as each apartment will appreciate in value independently!!!!


The service charge is excluded and paid separately. For the Mbagathi way flat, its 3k. We are only allowed to buy one house at a time
"The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence." ― Charles Bukowski
SKAS
#56 Posted : Wednesday, June 29, 2016 2:05:54 PM
Rank: Hello

Joined: 6/29/2016
Posts: 1
@ UpcomingPaperChaser please send me your email we talk on the Bamburi Plots and construction my email is chandra.kunder@philips.com

tnai9
#57 Posted : Thursday, June 30, 2016 9:33:58 AM
Rank: Member

Joined: 6/21/2010
Posts: 345
Location: easto
deleted



"The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence." ― Charles Bukowski
UpcomingPaperChaser
#58 Posted : Friday, July 01, 2016 12:22:32 AM
Rank: Member

Joined: 1/20/2015
Posts: 489
Location: Nairobi
SKAS wrote:
@ UpcomingPaperChaser please send me your email we talk on the Bamburi Plots and construction my email is chandra.kunder@philips.com


Already done that
Enjoy every moment of your life, you never know when your time will come.
Kim Ani
#59 Posted : Wednesday, July 06, 2016 8:08:32 PM
Rank: New-farer

Joined: 1/16/2010
Posts: 15
I am in a similar dilemma....

I came across the below and I'm thinking i could perhaps start with the little i have to build the shell then pole pole

http://www.nation.co.ke/...l/-/pa2n76/-/index.html

tnai9
#60 Posted : Thursday, September 08, 2016 8:21:58 AM
Rank: Member

Joined: 6/21/2010
Posts: 345
Location: easto
Jon Jones wrote:

If its possible to get the cash 12 million, buy an eighth in a satellite town like Ruiru...build bedsitters and you will be smiling all the way to the bank.


I am working on an arrangement that will get me this money cash, but scaled down to about 9M. It will be mortgage money but diverted to my account.
I intend to clear the mortgage in 5yrs. Wazuans, what most lucrative business can I do with 9M. I am thinking RTO. I would buy the house, but dont think 60K pm rent from a 9M house is the best return.
Am thinking of...
1. Car business
2.
3.

Wazuans ideas..Ill have the money by December 2016
"The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence." ― Charles Bukowski
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