If a house is worth $10000, and I can get 70% mortgage from Bank at 4% interest rate,

I need $3000 as initial capital and borrow $7000 from bank to purchase this house,

Luckly, if I can get $500 rental annually, then I get 5% ROI on rental property, but I need to pay 4% mortage rate, so I get 5% - 4% = 1% net income from rental property.

If the price of house keeps unchanged for a period of time, should I place $3000 on fixed deposit or should I purchase $10000 house for 1% net income annually?

Does anyone have any suggestions on how to do this math?

Thanks in advance for any suggestions :>

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