Hi All, I am a working mom. My husband plans to build a 3 -4 row houses for renting purpose in his home town ( Sivakasi - in South India). Budget arrived at 35 - 40 for 3 houses. Rent might be 4000 / house. So over all 12000 incase we build houses. But i am little hesitant about this. investing 40 L ( 10L on hand, 30 L Loan) and reaping only 12000 is what i dont like. Rather if 40L is put in FD, the 8% interest would be 26000 minus tax 7800 would amount to 18000 ; moreover we will have 40L on hand too. And the interest 26K would add to principal. But my husband argues that we reap 12K and interest is just 18K . So only 6K is the difference. But that will be a regular income. We cannot maintain 40L on hand, we will surely spend.. My point here is rent reaped will be used to pay EMI for 30L. So no point here for first 3 yrs, until we complete the EMI. My husband wanted to generate a 3rd income ( Reasonable amount) as later days if i need to quit job for children or for my husband's career, we can have a regular income. Please advice me.. Is investing in FD good decision or shall we bulid houses for rent..