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    Wednesday, July 29, 2020

    Real Estate Investing: How are people cash flowing on $300,000k properties? SFH in particular

    Real Estate Investing: How are people cash flowing on $300,000k properties? SFH in particular


    How are people cash flowing on $300,000k properties? SFH in particular

    Posted: 28 Jul 2020 09:58 PM PDT

    I forget which podcast I was listening to, but someone said if you had the option to spend $300k in real estate you are better off with three, $100k properties as opposed to one $300k property. The theory behind it was that with 3 properties you can collect $1000 monthly each ($3000 overall) but from the single $300k property you are likely to only get $2500.

    Also, from my research it seems houses really stray away from the 1% rule at the 250k and above mark. Seems to just get worse too from there on, as in a $700k house would probably rent for roughly $4000, almost 50%.

    So my question is, how are people cash flowing on these expensive SFH? I cannot comprehend how a $500k home would cash flow unless you are BRRRR it to get a phenomenal deal or you are buying it cash.

    Are these people simply banking on appreciation and hoping to break even?

    Would a 500k quadplex not rent out for more than a 500k SFH?

    Assuming you are going with the conventional 20% down, using a PM, etc, I don't see how anyone cash flows on $300k homes and above.

    Look forward to hearing all your thoughts.

    submitted by /u/soyerom
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    How do y’all find good property managers?

    Posted: 28 Jul 2020 12:36 PM PDT

    Just to give some context here, we bought a 70-unit gated apartment complex here in SoCal about 2 years ago and are attempting to self-manage. We've had 3 property managers since then (found on Craigslist) that have turned out to be duds (drug problems, not showing up to work, etc).

    What reputable job search platforms have you all used, other than craigslist, that has helped you find quality candidates?

    submitted by /u/tatertotsume
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    At what amount do you stop deducting funds for emergency reserves from your rental income?

    Posted: 28 Jul 2020 11:17 PM PDT

    Do you just let it continuously grow? Is there a milestone amount where you stop accounting for emergency reserves and put it towards your next property? Is your cash reserves amount a certain percentage of the unit's value or is it a certain dollar amount for each unit across the board?

    submitted by /u/magnum_dong69420
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    Appraisal came in less than purchase price

    Posted: 28 Jul 2020 03:00 PM PDT

    Buying a second home / investment property for $850K, and the appraisal came in at $750K. It is a 70% loan, so this means an additional $70K out of my pocket at closing. There is no appraisal or financing contingency in the contract. This particular market is tight and has jumped considerably post-COVID. There is limited supply and increased demand in this area, which is outside a major urban area. However, the appraiser's comps are sales (some recent and some over 1 year old) that reflect pre-COVID pricing. I understand the appraisal is a done deal. Any thoughts or similar experiences would be greatly appreciated.

    submitted by /u/jzs1022
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    Should I buy a condo before a duplex/triplex?

    Posted: 28 Jul 2020 11:11 PM PDT

    I live in San Diego and starting to save up for my first property. My thought is start small with a 2bd condo for 330-370k so I can learn 'how to landlord' without jumping in head first, and if I mess up, I can afford the payments easier.

    Also, most multifamily places in San Diego run for 800k+ so it will take me time to save up for them, and I think I'd be more likely to be approved for that loan if I've bought something before.

    Any thoughts would be appreciated!

    Edit: thought I should add I am more so going for breaking even on condo, and waiting for the right opportunity so I can get cashflow with the multifamily

    submitted by /u/Kaiel96
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    Where does the majority of YOUR deal flow come from?

    Posted: 28 Jul 2020 03:37 AM PDT

    Wondering what everyone utilizes to maximize deal flow, as it's the weakest area of my operation.

    I'm a small timer, so far I've acquired via: 2 from MLS (redfin) 1 off market by random chance

    I'm utilizing: Redfin/Zillow email searches.

    An agent, has brought me one pocket listing but timing was off

    Working to build relationships with wholesalers, but what I'm seeing in my market are wholesalers marketing at retail prices

    Attended Sheriff Sale. Again, homes were going for what is expect to pay retail.

    Starting to think about Direct mail or some other form of marketing.

    submitted by /u/Micheal_ryan
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    It seems like it is impossible to get a good deal on an investment property these days. Do most people start heavily underwater on them?

    Posted: 28 Jul 2020 07:29 PM PDT

    Newbie here. Trying to see if there's any real estate broker/agent here that could provide some tips and guidance to find good investment properties.

    submitted by /u/dontcallmejasper
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    23 Years old with $100k...Should I Index or invest in Real Estate (Honolulu)?

    Posted: 28 Jul 2020 11:22 PM PDT

    I've got $100k saved up currently in one of my investment accounts ($40k in POGAX and $60k in cash).

    I'm looking to put it to better use and do one of the following options:

    1. Liquidate POGAX and invest all $100k in either VOO or VTI -- or --
    2. Liquidate all POGAX and use $100k as a down payment into an investment property (Waikiki Condo) that will generate cash flow

    I currently am maxing out my Roth IRA every year and have about $60k in index funds in all other investment accounts. I also have a condo in Honolulu which I plan on converting to a rental and moving back home with my parents to save more money to invest. I have a stable 8-5 career in which I take advantage of my 401k match and contribute ~$8k to $10k to a year into that.

    I'm running the ratios for Honolulu/Waikiki but pretty much all of them don't look very good (cap rate, ROE, 50% rule, 1% rule, etc...). Idk why but is Hawaii even a good market for real estate? The rent here is relatively low considering the value of the homes.

    Anyways, would like some advice on how to best put that $100k into better use. I've got a long time horizon and a pretty decent risk appetite.

    submitted by /u/drippydroppy1
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    Flipping out of state payment platform

    Posted: 28 Jul 2020 01:24 PM PDT

    Hey guys. I have a question. I am doing an out of state flip and am working with contractors. I have set it up that when the project meets a certain percentage of completion, I pay them a portion of the payment.

    However, I have been going to the property to make sure it is on track to be rehabbed. But now that work is picking up again. I was wondering if any of you knew of a platform online, that the contractor can submit photos and a description then I would authorize the next portion of the payment?

    I would be able to go to the property as often as I have been. Any help is greatly appreciated.

    submitted by /u/Wolfe751
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    In real estate investing, is owning a rental property worth the headache?

    Posted: 28 Jul 2020 08:25 PM PDT

    From real estate research to loans and then final purchase, what's the process like to owning a rental property for you? How long did it take you to make the final decisions and sign the paperwork? Curious to hear your stories here.

    submitted by /u/dontcallmejasper
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    Are HCOL areas even worth considering?

    Posted: 28 Jul 2020 11:42 PM PDT

    Almost every discussion about HCOL/VHCOL areas has people saying its next to impossible to find any cashflowing properties due to the high property prices. These areas usually have low vacancy rates and above average appreciation but thats really speculative.

    Are these people exaggerating the gloomy outlook or are these areas actually not worth investing in?

    submitted by /u/brownsteeel
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    Can you sell a house immediately after buying it?

    Posted: 28 Jul 2020 01:50 PM PDT

    I am very curious to see if there any techniques that real estate investors use that involves the immediate resale of a property? I would love to see if anyone here has thoughts on this.

    submitted by /u/dontcallmejasper
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    19 year old trying to get into renting out condos

    Posted: 28 Jul 2020 10:39 PM PDT

    Hello, I'm a 19 year old who has no experience at all in real estate investments. I would love to start renting out condos but I'm not sure where to start at all. I've started researching condos in my area but they are all so expensive and for someone who can't find a job or will end up working minimum wage it all seems too impossible. Is this the right place to ask for advice? Thank you!

    submitted by /u/jnswayty2001
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    How hard is it to get a hard money loan?

    Posted: 28 Jul 2020 10:18 PM PDT

    I'm 21 and I am planning on using the brrrr method when I buy my first investment property. I've seen a couple of good foreclosure deals that on paper, seems like a good deal. I'm just trying to get a feel for how tricky it will be to get an HML when I am ready to invest.

    submitted by /u/Bongwodder
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    LLC purchase pitfalls?

    Posted: 28 Jul 2020 08:55 PM PDT

    I'm thinking about buying a home (cash), rehabbing it, and turning it into a rental. Is purchasing it as a business as opposed to an individual a good idea? I already own several businesses. My other businesses are LLC taxed as S-Corps. I am an employee and get tax savings by doing it this way, no self employment tax.

    Does anyone purchase rentals as an individual?

    Help me see the big picture. Pros and Cons?

    submitted by /u/MaxJaxV
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    Rip apart this deal I'm considering.

    Posted: 28 Jul 2020 09:24 AM PDT

    3/2.5 Townhouse, 1600SF

    300ft from Large University Campus. To be used as college rental. "A" area based on neighbors and proximity to campus.

    The house is being sold furnished, so I have the ability to rent out the house by rooms + furnished to students.

    $260 HOA fee includes water, cable, parking, swimming pool, pest control, exterior maintenance

    ***I live 2 hours away from this college, but I attended myself so I know the area really well. I would plan on managing myself***

    Purchase price: $162,000

    Down Payment + Closing Costs: $50,000 (25% down, 3.625% interest)

    Total Payment: $1000/month (includes PITI, taxes, insurance, $260 HOA fee)

    Maint/Vac/Capex: $236.25/month (15% of rent)

    Total Projected Rent: $1575

    Cash Flow: $339

    COC ROI: 8%

    ***I live 2 hours away from this college, but I attended myself so I know the area really well. I would plan on managing myself***

    Is this deal okay, or a shit deal since it's 2 hours away and 8% COC ROI with self-management?

    submitted by /u/kingkongundies
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    Internet Access, how do you get it on land that is not near an urban area? (Central California)

    Posted: 28 Jul 2020 07:39 PM PDT

    Nearest city is approx 30 miles and has a population of 50,000. Thanks!!

    submitted by /u/checkstuffout2020
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    I have a question about building portfolio

    Posted: 28 Jul 2020 07:21 PM PDT

    I've read after 10 properties, one has to start getting commerical loans. Is that just Irving 10 properties, having 10 mortgages I'm still paying on, or what? Can anyone help explain to me the facts and nuances around this? Thanks in advance.

    submitted by /u/thatguyryan
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    Why do some people prefer to pay off their house as soon as possible rather than invest that money into a high compound rate account when the ROI is far greater this way?

    Posted: 28 Jul 2020 07:17 PM PDT

    Anyone here prefer paying off their house asap? Curious to hear your thoughts on this.

    submitted by /u/dontcallmejasper
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    Property Taxes

    Posted: 28 Jul 2020 12:39 PM PDT

    I'm a relatively new investor with only two rehab/flips under my belt. We're currently looking to acquire our first rental property, a 4-plex (so it still counts as residential). The property we're looking at is recently renovated and has tenants in each unit. We did our own financial analysis and our numbers came out very close to the pro forma provided by the seller with one exception. The only major difference was our property tax estimates. The current taxes are based on the seller's original purchase price (prior to renovations). We're worried that the county will raise our taxes significantly based on the new, significantly higher after-renovation purchase price. If this happens, our COC return will dip significantly and this may not be worth the effort. Can anyone with experience with this shed some light? Will our property taxes shoot up significantly? This is in Texas if that matter as all.

    submitted by /u/Zanotekk
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    refinancing/valuation

    Posted: 28 Jul 2020 02:39 PM PDT

    If I were to purchase a multifamily 3-flat property (4 units) and put significant money into re-doing the concrete sidewalks/patio/driveway ($15K), rear stairwell/porches ($15K), garage ($10K), and HVAC in 2 of the units ($15K). Would those improvements bring up the value of the building enough to warrant doing a refinance and pull any excess cash out? I am interested in a property that cash flows relatively well but needs some significant exterior work. I have the cash to do the work but don't want to tie up $50-60K in these non income producing items. I could probably charge maybe 50 bucks more per unit since he building itself will be much nicer but no one is going to pay for nicer sidewalks. HVAC units work fine but they are dinosaurs and are not very efficient (maybe ~70%).

    submitted by /u/Ob1kNoBee
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    Wall mounted TV’s.

    Posted: 28 Jul 2020 06:00 PM PDT

    Do you allow wall mounted TVs on your property? I know this is very popular for most of us these days, but I'm wondering (as a landlord with just one property) if you allow wall mounted TV's and how damaging they are to the wall? Do you charge a fee for this specific event or do you just cover the holes in the wall at your own cost??

    submitted by /u/toilet_paper91
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    Changes in Real Estate Price Cycles ?

    Posted: 28 Jul 2020 05:32 PM PDT

    I have heard from many experienced investors, who have been investing in the past 20-30 years that RE prices move in Cycles. This is primarily - Recovery, Expansion, HyperSupply, Recession. Or simply put Boom/Bust/Consolidation.

    In the past few years(10 or so), I have been noticing RE move only up, or sideways, and haven't really seen any busts. This has specially been true in the western countries, because just like the government does not allow Stock Markets to behave naturally, Real estate has been getting a similar boost. Specially during the times of Covid 19, there is simply enough money in the market, and people have easy access to money at low interest rates. Employment, which usually is the biggest factor responsible for that Bust stage of the cycle, has also been under control during this pandemic. People also have access to lots more knowledge, and hence we have too many investors willing to enter a market which has limited listings i.e At any time we don't have too many listings on the market, so the demand is almost always going to be greater than the supply due to this knowledge and easy access to money.

    The only reason I can see RE enter a bust or prolonged consolidation cycle is if the interest rates go up - Which is likely not going to happen in the next 5-10 years, because the government knows the economy will be in serious trouble if they attempt doing that. And the second reason is unemployment - Which again hasn't been significantly impacted by Covid, and I don't see that changing in the near future, unless we have something like a second stage lockdown or another recession in the coming years.

    So how do you guys think is the cycle going to behave going forward ? Is it just going to be Boom and prolonged Consolidation cycles, or you think there can be other reasons for the Bust cycle to come up ?

    submitted by /u/magicbook
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    I'm a 17 year old interested and obsessed with real estate investing.

    Posted: 28 Jul 2020 04:55 PM PDT

    Basically I'm constantly reading and listening to educational resources and I was wondering what would your recomandations be for me. I'm trying to pump as much information into my brain as I can before I turn 18

    submitted by /u/EDDE2603
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    Does a rise in evictions typically lead to a decrease in real estate prices?

    Posted: 28 Jul 2020 10:43 AM PDT

    As a newbie, I just want to confirm that this logic makes sense. As evictions go up (as I predict will happen once people get a reduced unemployment check), does that mean that real estate prices will decline? I assume they more people will get evicted so some owners will have to sell, and others will reduce the rent of their current place which devalues the property price.

    submitted by /u/freebird348
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