Is it complicated? No. It's simple. If price of a house is 12 times or less annual rental income you can achieve from that house, then it is a 'buy'. A good investment in other words. These levels were last seen in UK almost 5 years ago, and in US over 3 years ago. Conversely, if price of a house is 20 times or more annual rental income you can achieve on that house, then it is a definite 'sell'.

As an example, say you want to buy a house priced at $100,000. You know that house currently rents for $10,000 a year. According to calculation, house will be a 'good buy' up to 12 x $10k, i.e. $120,000 , so in this case yes, it is worth buying now, as you are likely to both cover mortgage costs with rent, or even make a small profit on it, and also benefit from any coming capital growth.

Another example, you own a house that rents out at $20,000 a year in a swanky neighborhood. You notice that identical houses in street are up for sale (and selling!) at over $500,000. Guess what - it's time to sell - house is over 20 times more expensive than annual rent! Chances of any more capital appreciation in this market are slim, and you can actually make a far better return by simply selling house and putting proceeds into an interest bearing bank account. Interestingly, most amateur investors tend to hold property rather past this point, and end up unable to sell as market tips to downside. If figure of annual rent to price is already way past 20, you may be too late to sell easily.

Not as complicated as it seems, is it? Just remember '12 - 20' rule, and you should be able to enter an exit house market at very best times.

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