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    Friday, February 12, 2021

    Real Estate Investing: if a tenant offering to pay rent in Bitcoin would you accept it?

    Real Estate Investing: if a tenant offering to pay rent in Bitcoin would you accept it?


    if a tenant offering to pay rent in Bitcoin would you accept it?

    Posted: 11 Feb 2021 03:09 PM PST

    uber and tesla are accepting Bitcoin now. everybodys doin it. Would you accept it as payment?

    im just taking a poll.

    submitted by /u/atrueretard
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    What do you recommend for segregating finances for a first investment property?

    Posted: 11 Feb 2021 09:39 PM PST

    Before making the purchase, I want to open a separate bank account (ideally with a DBA) to make a clear distinction between real estate and personal money, preferably with an institution that offers a brokerage. Any recommendations on bank-brokerage options? And could using a DBA cause any issues on a mortgage?

    submitted by /u/3FAH1H2423-1
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    How was this deal?

    Posted: 11 Feb 2021 07:46 PM PST

    I kind-of went into this blindly (very dumb) just taking advice from family members/etc. After doing a lot of research now... it seems like I did ok? With my rough math

    House Cost 230k

    Down Payment: 69k (so 161k left on the loan)

    Interest: 2.375% 30 year fixed loan

    Insurance: 1400

    Property Tax: 6100

    HOA: 132 per year

    Mortgate payment per month: 625 Renting it out for: 2310 a month

    With my math, i'm coming out with about $900-1000 a month profit if I use property tax and all values into monthly average. I think this is ok? Although... I have some regrets due to the current bull market we are in and stocks are going crazy

    submitted by /u/Ner022
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    Is this a good way to use a I-O loan on rental property ?

    Posted: 11 Feb 2021 04:44 PM PST

    I was curious if anyone has used a interest only loan to obtain rental property and how it worked out for them.

    Seems like you could get a I-O loan and then refinance at the 5-7 year mark before it comes due? Couldn't you save the cash flow made from those years to bring your loan to value rate(LTV) down when you refinance? Potentially getting an extremely low cost rental property. Has anyone tried this?

    submitted by /u/jlamb210
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    Transfering A Mortgage To An LLC

    Posted: 11 Feb 2021 01:45 PM PST

    If I transfer a mortgage to an LLC after closing, I understand that the title of the property goes to the LLC, but does the liability for the mortgage come off my name and go onto the LLC as well?

    submitted by /u/AndThen71
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    Whats the numbers?

    Posted: 11 Feb 2021 07:41 PM PST

    A bit vague so don't grill me. but I've been wanting to get into rental properties and I've been saving quite a bit. I live in the Midwest so it's quite cheap down here compared to the rest of the nation. But I was wondering what a good starting basis would be to save money wise. I found a house I liked that was 115k. So after down payments, closing, utilities, inspections and all the other fun stuff that comes with buying a home, what do you think is a safe amount to have before pulling any triggers? Thanks!

    submitted by /u/teeezuschrist
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    filing taxes for holding company

    Posted: 11 Feb 2021 08:57 AM PST

    Anyone use a holding company (LLC) as sole proprietorship? Do you report your 1099-MISC from property management under the EIN for your holding company or LLC holding real estate? I know you can file a single return for the holding company that includes it's subsidiaries, but the tax forms I received are under the EIN of the subsidiary, so I want to see how other people tackled this.

    submitted by /u/hotlanta808
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    Any tips on buying a house out of state?

    Posted: 11 Feb 2021 03:34 PM PST

    So I'm planning on moving out of state to TX, from CA. I've talked to a mortgage broker in the area I plan on moving and he mentioned it will be difficult to secure a loan since i will be leaving my job in CA, and not have one lined up in TX. My problem with securing a job now is that I dont have a move in date so I don't have a solid starting date. The houses I'm looking at are affordable enough to pay mortgage on any entry level position, if it is taking too long to get into a managerial position. I'm a project manager for a construction company in CA, and my plan was to invest in a property with value add potential considering I have over 15 years of construction experience and know how to do the remodel myself. Eventually I will refinance that property into a new one and make real estate my main career. Does anyone have any tips on securing a loan in a different state? My credit score is 790 and I have saved $30k, will be around $40k for move in date. Was only planning on putting 3.5% down max so i have mortgage saved up, and some rehab expenses while i secure work. The properties im looking at differ between $170K-220K with a max of $10K immediate rehab expenses. Between rehab, down payment, movimg expenses, and closing costs i plan on having around $15k saved for mortgage payments.

    submitted by /u/kleevedge
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    Going Cap rate for RV parks

    Posted: 11 Feb 2021 11:44 AM PST

    Looking for an RV park.. Anyone know the going Cap rate for RV parks?

    submitted by /u/Miamipoker
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    Tell me about your landscaping strategies

    Posted: 11 Feb 2021 06:49 PM PST

    I live in Southern California and I'm interested in everyone's low cost and/or low maintenance landscaping strategies, especially for units with tenants.

    submitted by /u/humor_fetish
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    License to syndicate...?

    Posted: 11 Feb 2021 06:42 PM PST

    I'm working on my real estate license in Ky and I just came across a section where it states you generally need a license (regardless of state) to syndicate.

    I've never heard of this before. This is a sector I want to get into eventually so obviously this will not be an issue with the statement I've made above.

    However, I have never heard of one being needed. Can someone shed some light?

    submitted by /u/MPC_93
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    If you had to spend 20% on a property tomorrow where would you buy?

    Posted: 11 Feb 2021 06:01 PM PST

    I know people typically grown or shrug at the "which market should I buy in" question, because it's so personal. But I'm asking you, yes you the reader, if you had 20% to just throw at an investment property, what market would you buy in and why?

    submitted by /u/avtges
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    Everyone keeps talking about the direction of the market—but what about luxury properties?

    Posted: 11 Feb 2021 05:40 PM PST

    There's been so much talk about how much property values have skyrocketed and what will happen with the inevitable evictions, foreclosures, etc. Anyone have any guesses about the luxury market?

    Specifically, I'm talking about suburban properties that are double the price of the median home prices. For example, in my area, median home prices are about $350k to $400k. But inventories are more stable on properties $800k plus.

    Do you think we'll see more inventory and thus price reductions in this market? Or do you think the people facing financial problems are more likely to live in properties about the median value, meaning this market would likely stay stable even after the foreclosures and evictions start up again?

    Obviously no one has a crystal ball, but I'm curious what people think is likely to happen, or any trends that might be starting.

    submitted by /u/shakeyshake1
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    Questions about first land purchase

    Posted: 11 Feb 2021 10:54 AM PST

    Hey all,

    I'm in the process of buying a real nice piece of land with an ocean view, with the intention to build single family (stick, perhaps modular) and wanted to get some feedback about what specific things I should be looking for when feasibility testing. Some things I already know I'll be looking at:

    - general zoning (its single family)

    - septic (will be doing a perc test as well as vicinity to ocean laws)

    - electric lines are on street but will verify

    Anything else that is critical? Feedback or personal experience stories very much welcome!

    submitted by /u/loshofficial
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    Need advice for selling duplex in Niagara

    Posted: 11 Feb 2021 10:12 AM PST

    Hello Reddit! Just bought my first house (duplex) with my sister in St Catharines last June. We got a mega deal on the property because of a very hostile relationship between the owner and the tenants, coupled with the lack of interest in the area during the height of covid lockdowns. House was in very rough shape so we just decided to clean it up and flip. We are now about 2 months from being ready for market, maybe sooner if we can pull strings. We will owe ~ 240k on the house when we sell and the real estate agent is saying we should expect 550k-600k for the property. We spent about 70k on renos. I think it's reasonable to say we will have about ~120k profit (each) when all is said and done. So, here's my plan for when we sell. - pay off consumer and personal debt ~10k - pay off my car loan ~20k - down payment, lawyer, and real estate fees for next house ~60k - renovations with the intent of creating a rentable unit ~25k - creation of emergency fund ~5k Does this sound like a good idea? How would you do things differently? Am I too bull/bearish on some numbers? What considerations am I missing? Would very much appreciate any knowledgable advice or guidance.

    submitted by /u/Garr5016
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    Cash flow vs CASH FLOW (creative accounting query from an impatient investor)

    Posted: 11 Feb 2021 03:57 PM PST

    TL;DR: What if I (and hear me out on this one) DON'T factor in repair/vacancy/CapEx expenses in my cash flow analysis?

    Hi all. I'm planning on house hacking and I'm excited. How often do the repair/vacancy/CapEx expenses come due?

    I'm admittedly being impatient in wanting to buy soon and my realtor is *gently* suggesting that in this seller's market with limited multi-unit inventory (and esp. in my city where we're expecting an appreciation boom), my cash flow calculation should be income vs. mortgage/taxes/insurance/property manager only (without factoring in the "savings expenses" i.e., repair/vacancy/CapEx).

    I'm blessed to have some extra cash so if something comes up (say a busted fridge), it won't break me. With the boost to my tax returns (now amplified by home ownership; I donate a lot to charity so I always get a return anyway) and expected appreciation, it may all even out or better.

    Ok ok....does it help if the house I'm looking at is relatively new, suggesting less risk?

    Look, I know creative finance turns out to be many peoples' ruin. But scared money don't make no money! I'm just curious what you more seasoned investors think about this? Have you taken this path? Any horror/happy stories?

    submitted by /u/Gladukame
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    Forming a Corporation or LLC for rental properties in CA?

    Posted: 11 Feb 2021 03:53 PM PST

    I don't own any rental properties but I am saving up for my first one. My question is if it's beneficial to setup a corporation or LLC for rental properties and if it is which is better suited for rental properties. Thanks in advance

    submitted by /u/cheese562
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    Finding Undervalued Residential Assets in a MSA

    Posted: 11 Feb 2021 03:41 PM PST

    Hello,

    From your experience is there certain metrics you can use to try and find undervalued residential properties in a given MSA. For example using price per sqft, distance to CBD, condition of the house etc.

    submitted by /u/Miserable_Author
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    cash out refi vs HELOC?

    Posted: 11 Feb 2021 02:02 PM PST

    I will be doing a refi on my current property soon to get a better rate. I did major renovations and expect to get a good chunk of it back in the appraisal. I wan't to take advantage of my equity to invest into another property but I can't decide the best route to take. The mortgage is only 2 years old so doing a cash out refi doesn't seem to bad but I also don't have any prospects in mind yet so I could be sitting on the cash for a few months up to a year.

    Just for rough numbers my current mortgage principal is 370k. house appraisal was 450k (fixer upper). Expected appraisal post renovation will be $600k. So from my understanding I should be able to pull out $110k from my equity if doing 80% LTV at a 600k appraisal.

    So is this worth doing a cash out refi for? Or would a HELOC make more sense? The plan will be to use the money as a downpayment on a property to rent. Ideally another fixer upper that I can then fix up and take the money back out

    submitted by /u/Lync6
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    Refinance current home to rent, then...

    Posted: 11 Feb 2021 06:15 AM PST

    Im looking to refinance my current house with a 131k mortgage. I have 60k left on mortgage.

    I want to refinance for 30 years and rent it out. I want to take the equity out for a down payment on a new house.

    Does this idea sound crazy?

    Has anyone done this before?

    Does this sound like a good idea?

    submitted by /u/frankabignale69
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    Hartford CT (vs West Hartford vs Glastonbury vs Manchester) -Does has experience here?

    Posted: 11 Feb 2021 12:45 PM PST

    I'm looking to buy a rental property in either Glastonbury or West Hartford or Manchester. Does anyone have one in this area? What are the pro/cons? Do you have any property management companies you use? What area is best?

    submitted by /u/Zam-Zooma
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    Advice!!!!!

    Posted: 11 Feb 2021 12:35 PM PST

    If someone is added to a deed right before the sale of a home, are they responsible for any taxes associated with the sale of the home?

    submitted by /u/Whatyousmokinon
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    Trying to roll closing costs into loan

    Posted: 11 Feb 2021 12:35 PM PST

    I am currently in the market to buy a single family residence for myself and want to use most of my money for a down payment to be higher. When it comes to closing costs what's the best way to try and get them to cover them. I assume offering them more than asking would be nice but does it still feel like a good deal on the sellers side? What's the best way to go about it

    Edit: I may not have been clear with my wording so if you have any question so that you can better answer feel free, thanks for your help!

    submitted by /u/Antman63
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    Three properties under one title/loan - how to refinance and separate

    Posted: 11 Feb 2021 08:15 AM PST

    This one is fun so strap in.

    Three properties - 2 SFH and 1 Duplex that were sold as a single unit due to them being across two lots. House A and half of house C was on one lot and house B and half of house C was on lot 2 so the transaction was put under one address even though each property has a separate address. Following so far?

    SO. Loan #1 = Property A and includes Property B and C.

    I had the property replotted and certified so they are technically separate now or .. I think they are. I want to refinance Property C which I have rehabbed and expect a refinance would pay the loan off but I want to ensure the re-plot would allow that to happen and It's even something I can do. Should I be reaching out to a broker to examine the situation or someone else that may be able to assist? This would also help me sell individual properties without any surprises popping up.

    Adding more information

    My Engineer requested
    "Do we need to REPLAT these 3 TRACTS into 3 separate lots or can we keep the in the original lot 8 and 9 and refer to them as tracts A,B and C.

    Answer from my county
    No need to PLAT, just a survey map and include it with the deed.

    submitted by /u/Itsnotjustadream
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