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    Real Estate Investing: Bigger pockets membership worth it ?

    Real Estate Investing: Bigger pockets membership worth it ?


    Bigger pockets membership worth it ?

    Posted: 08 May 2020 04:38 PM PDT

    I wanted to know if bigger pockets membership is worth it. I am new to real estate investing and wanted to educate myself from the ground up. Not sure if its worth the 200 bucks a year or not ? any info or advice would be greatly appreciated

    submitted by /u/Itachihypebeast
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    FHA loan as investment?

    Posted: 08 May 2020 06:06 PM PDT

    Hey everyone, I'm thinking about buying a property with an FHA loan. It's a 2 unit, I live in one and rent the other. The PMI seems unattractive to me, what do you guys think?

    submitted by /u/Arhum1104
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    First time ownership

    Posted: 08 May 2020 02:33 PM PDT

    I'm a lifelong apartment renter who is thinking about potentially buying a house / duplex and renting out part of it, mainly for mortgage coverage versus being cashflow positive.

    My question is... how stressful / time consuming etc. is it to be a home owner versus a renter?

    submitted by /u/Flat-Principle
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    Less than 20% Down vs. 20% Down Later

    Posted: 08 May 2020 10:19 PM PDT

    Are there any articulable reasons why it would make sense to put less than 20% down on a place rather than wait longer to save enough for 20% down?

    submitted by /u/shapattack1
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    Manufactured home on owned land

    Posted: 08 May 2020 11:11 PM PDT

    So I live in an area that happens to have a lot of mobile homes on owned land. It's also an up and coming area and population is growing pretty quickly here.

    Land is pretty inexpensive here but I have a feeling it won't be for too long. There are a lot of pretty big developments popping up so it could get gobbled.

    My thoughts are to build or transport a few manufactured homes in this area and rent them out. I've found 3 parcels that are already divided and zoned, would just need to double check everything with the city but unsure if I'd need to run power/water etc.

    Does anyone have experience with this? I've been kicking the idea around and on paper it sounds great. I know a few things about RE and I've been doing PM for the better part of 8 years.

    Any advice would be appreciated

    submitted by /u/DontWorryItsEasy
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    Would it be a mistake to convert a 4 bed 1 bath to a 3 bed two bath in terms of rental income?

    Posted: 08 May 2020 05:31 PM PDT

    I'll be living in a property for two years with two other adults paying rent then renting the entire house after I move. It's only 1200sf so the two upstairs bedrooms are pretty small and everyone will be sharing a single bathroom sink. I'm thinking about converting the two upstairs into a master with a bathroom and closet. It'd definitely make the house more comfortable for my roommates and I, but I don't want a drastic rent change because there are fewer bedrooms. I've tried looking at comps, but there aren't any properties similar enough to one another for me to directly say which makes more. In my market it looks like it'll cash flow either way, but more is better than less in this case.

    submitted by /u/kmccan
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    Is it safe to call it? The Fed won't allow the housing market to collapse... People will be forced back to work and payments won't back up. I doubt we will see another opportunity like 2008 in the U.S.!

    Posted: 08 May 2020 07:40 AM PDT

    I don't see foreclosures happening anytime soon. The market is roaring by me still and prices haven't dropped. If anything people are moving money from the stock market into housing.

    It's all anecdotal but I'd like to see if anyone shares this sentiment. Located in the North East!

    I don't think waiting for crazy cash deals like 2008 is going to produce any results.

    submitted by /u/Jesus_Was_Brown
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    What's a reasonable month-to-month premium?

    Posted: 08 May 2020 09:36 AM PDT

    I'm coming at this from the tenant side (don't hate me... FWIW I aspire to be on the other side one day). I have an annual lease through July, but could be moving out of state for a job later this year (TBD, thanks COVID). I pitched the landlord on same-rate renewal month-to-month with either 30- or 60-day notice, but they declined. Understandable, just thought I'd give it a try since I'm a long-term tenant in good standing.

    What's a reasonable premium to offer for the inconvenience and potential income loss of a month-to-month arrangement? Current rent is $1700, which is about market rate for the size/amenities in this LCOL area.

    submitted by /u/nickfaughey
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    Where to allocate my money?

    Posted: 08 May 2020 06:20 PM PDT

    I am planning on purchasing my first rental property sometime in the next couple of years. I currently have about $18k in student loans, with the maximum interest rate being 4.66%. I am trying to save up for a rental property as well as pay off the student loans. Would it be more beneficial to pay off my student loans fast (especially considering I can keep paying off while the pandemic forbearance is in effect, therefore paying less interest overall) or should I just pay the minimum payments and put money into savings for the rental property?

    submitted by /u/lustige
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    Is there a way to list/any communities to join in order to sell development land?

    Posted: 08 May 2020 05:59 PM PDT

    Im trying not to go through a broker. However, I would like to list/join a community where I can connect with developers interested in purchasing property. Valuations pre-covid between $4m and $12m. Thanks

    submitted by /u/deez29
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    I was approved for SBA EIDL Loan... what should I do!?

    Posted: 08 May 2020 11:51 AM PDT

    I own rental home (as a sole prop) and applied for SBA EIDL loan/Grant thinking I would at least get the $1,000 free grant money like everyone else has been getting. I saw I had a credit check on my credit report but I never got any money. Today I got email saying to make an SBA account asking how much I want up to $13k. what Should I do? I don't really need the loan, but some "forgivable grant" money would be nice. Isnt the first $10k supposed to be a grant?

    https://imgur.com/7LXbrYQ

    submitted by /u/jtnet1
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    Home that soon won't be designated as flood zone

    Posted: 08 May 2020 05:38 PM PDT

    Hi all,

    My question: Do home prices usually shoot up after being removed from "Flood Zone" designation?

    I'm considering purchasing this home right off of a river. The city has already put it on the books to build a wall on the river in order to keep the area from flooding anymore. I know this can take a few years to kick into effect as the wall must be completed and then FEMA must decide to reassess the area prior to redesignation... I'm assuming the values would go up after there is not longer a need to pay for flood insurance but I have no experience in these matters and am wanting some insight from you all if you can spare it!

    Thanks,

    submitted by /u/Thatsitdanceoff
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    Starting Out

    Posted: 08 May 2020 11:34 AM PDT

    Sorry if this is asked a lot or it's repetitive, but I checked sidebars, community info, and some top posts of the month / all time.

    Basically just wondering what is generally seen at the best way to start out? In my head the obvious answer to me is to buy a duplex and rent out 1/2 and live in the other. Am I missing something? Any advice is appreciated.

    submitted by /u/Flat-Principle
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    When trying to buy a home that is currently listed for rent - Should you contact the owner first or the listing agent first?

    Posted: 08 May 2020 05:31 PM PDT

    I've found some properties sitting on the rental market and i want to see if they are interested in selling. A majority of them are listed through real estate agents. Would you recommend finding who the owner is and contacting the owner? Or just go through the agent?

    submitted by /u/DatDudeDD
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    Property with four car garage

    Posted: 08 May 2020 12:47 PM PDT

    I am new to the REI game and am just getting started. I've read a decent number of books, listened to podcasts, and have a group I discuss things with. However, I wanted to see what the reddit community has to say about this:

    One property I am looking into is a 2,000 sqft house with a large lot (0.64 acres). The price for the property meets the 1% rule after upgrades. The house has an attached 2-car garage, and is 4 bed, 2 bath.
    On the property, there is a metal tent for boat/RV storage and another large (~850 sqft) detached garage. I have gotten some mixed advice with regards to this property. Advice against it says that even though the house may cash flow, the added property and garage is just going to add expenses through tax and maintenance without added rent value. Advice for the property suggest using the garage as an asset for leasing as storage or possibly converting it into a living space that can be rented out (at the surface, this doesn't seem too crazy, but I would need to run some finer numbers).
    The tent and detached are behind the house, so I am not sure splitting the property and/or rezoning is an option.

    Any thoughts would be appreciated. Thanks in advance.

    submitted by /u/TeepenTeepen
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    Tenant appliances

    Posted: 08 May 2020 09:08 AM PDT

    I'm a landlord about to head to a unit to diagnose and likely replace a faulty 3-4 year old dishwasher. Earlier I replaced a range, prior to that another dishwasher, so I'm wondering what other landlords/investors out there do in regards to appliances.

    Certain no frills/minimal electronics brand/model, repairman, buying repaired and used, clearance/floor models, DIY repairs, new with extended warranty?

    I've explored all options minus DIY repairs as the delay between getting parts and the right parts to tenant not having an appliance doesn't seem worth it, unless I streamlined and only had the same brand so I could quickly fix the item. Extended warranty sounded good when I was looking for a range but wasn't sure if it was just a sales tactic. Repairmen seem to have vague pricing and not about to pay $250 to fix a $500 range. Repaired and used same deal price compared to buying new doesn't seem worth it, and have a friend that had issues with his used/repaired dishwasher. Hoping there's a lineup for long lasting basic appliances.

    submitted by /u/elNational
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    Besides the ones listed in the side bar, which books would you recommend beginners read before starting?

    Posted: 08 May 2020 06:51 PM PDT

    Also what do you wish you had known before you made your first REI purchase?

    submitted by /u/___ox0xo___
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    Are apartment "make ready" expenses included in the 5-10% R&M assumption?

    Posted: 08 May 2020 08:32 AM PDT

    Hi Reddit,

    I'm exploring a 16 unit in the midwest. It's listed at $720,000 which is around an 8 cap and it's in a B+/A- area of town

    The broker provided a proforma and rent roll, but I noticed there was no line item for the cost of tenant turnover besides vacancy.

    I usually assume 5-10% for repair & maintenance and another 5% for capex. I purchased an 8 unit apartment last summer, and so far the R&M has come in far lower than 5-10%, but I have had to pay a good amount for make-ready/turnover since we had a couple folks move out.

    In your experience, does the 5-10% for R&M generally include make-ready? Or should I be adding a line item in my proforma for make-ready in addition to the 5-10% for R&M?

    Thanks!

    submitted by /u/SecondREUsername
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    Is it worth getting American Shield?

    Posted: 08 May 2020 04:13 PM PDT

    Is it worth getting an insurance on appliances? I am a new home owner and I see replacements are very costly.

    submitted by /u/dev_host
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    Using inheritance to invest

    Posted: 08 May 2020 11:52 AM PDT

    New to this sub, if this doesn't belong here. Please point me in the right direction.

    I am 24 years old. I will be receiving ~225k in inheritance from my grandparents. I live in Oregon. 150k in IRA already and max out annual contributions. 10k in debt. After settling debt and putting some cash to the side, I would like to buy a house around 180k, put around 15-20k into it to fix it up, and then rent it out for a few years.

    Questions:

    -Should I pay for it in cash? I'm leaning towards this so that I'm not getting myself into any financial trouble on a mortgage that I don't plan on living in.

    -Besides property tax and insurance, are there any other out of pocket costs I might be missing?

    -Is there anything I should look out for when using inheritance to purchase a property?

    Any other advice very much appreciated.

    submitted by /u/hamslammed
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    What is a "small time landlord"?

    Posted: 08 May 2020 11:17 AM PDT

    I see people using the term "small time landlord" but they never follow up with a definition of what it means.

    Going by number of properties doesn't tell the whole story because of value and location of the properties matter.

    If it's by portfolio value, that still doesn't work because some landlords can have very little of their own equity in properties.

    So what is a "small time landlord" to you?

    submitted by /u/TamiForx
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    Best Landlord Insurance Companies

    Posted: 08 May 2020 10:42 AM PDT

    I am looking to shop all of my insurance policies. I would love the community's opinion on where to look.

    I have 13 rental units across 5 buildings. Plus my personal property and 2 cars. And Umbrella coverage.

    I'm currently with USAA. I understand that not everyone has access to them.

    As real estate investors we need top quality service. We can't question whether or not our insurer will be prompt and take care of all costs when issues arise. The best insurance companies have a premium cost for this premium service.

    But who do you use? Who would you recommend?

    submitted by /u/BoltLink
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    Resources for understanding real estate

    Posted: 08 May 2020 09:50 AM PDT

    Hey guys,

    pretty much a noob when it comes to real estate and have been watching random videos on it on youtube, Personally I come from more of technical background as I did my B.S in Computer science so all this jargon on loans and types of interest rates is pretty confusing, anyone know any good books for getting my feet wet in the real estate and understanding the process more.

    submitted by /u/asultan1997
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