You shouldn't analyze an owner occupied house as the same type of investment that a real estate investor does.
The biggest reason is the source of funds you're using is your rent money. You can't invest your rent money in stocks, bonds, or real estate. But you can 'invest' it in an owner occupied property. You just don't have the flexibility that a normal investor has and as a result the return will be lower.
Also the best dodge I ever saw was a friend did a 100% refi of his house at 2.5% to buy a rental property outright.
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You shouldn't analyze an owner occupied house as the same type of investment that a real estate investor does.
The biggest reason is the source of funds you're using is your rent money. You can't invest your rent money in stocks, bonds, or real estate. But you can 'invest' it in an owner occupied property. You just don't have the flexibility that a normal investor has and as a result the return will be lower.
Also the best dodge I ever saw was a friend did a 100% refi of his house at 2.5% to buy a rental property outright.