hi just wanna ask question not sure where to post, can my friend possible calculate the return of his investment like this :
Purchase price 90k / loan 100%/30years/monthly rm430
Legal fees/misc rm10k+- inc 6 month advance payment, rented out for rm950 p/m
-rm1500 for maintainance and insuran per year
11400-1500=rm9900
9900-5160(430*12)=4740
return is rm4740 p/year
current value= rm -10000 future value with 3% compounding int = rm250k+

thanks alot

thanks wong, and sorry for not so clear question. your answer make me understand abit
erm, like this
acquire the house for rm90k value using just rm10k
so present value will be -ve10k (money used to acquire) with rm4740 +cash flow p/y for 30 years assuming he does not raise the rent.
the future cash value is 250k with 3% interest accumulating in saving