the unofficial guide to real estate investing
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The unofficial guide to real estate investing vested definition finance

The unofficial guide to real estate investing

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Raw land is undeveloped and usually does not have any structures built on it. Raw land can be bought and sold quickly online from the comfort of your own home. It is generally cheap for the investor to purchase and maintain because property taxes are minimal and there are no structures.

Land wholesalers look to quickly double or triple their investment by reselling the land they purchase. Residential wholesaling is focused on single-family residence, condo, townhome, or multi-family homes up to four units. The targeted homes are generally distressed or undervalued compared to other homes in the area. The wholesaler enters into a contract with the seller to buy the home, then they locate a buyer who will purchase the contract from them for a fee. The buyer will then assume the contract and insert themselves into the deal in place of the wholesaler.

Residential wholesalers typically do not ever take possession of the properties they have under contract. If they are unable to locate a buyer to assume their contract, they back out of the deal before losing their deposit. Commercial wholesaling involves commercial buildings, strip malls, apartment buildings of five units or more , office buildings, and similar properties. A real estate investment trust is a company that owns, operates, or finances real estate that produces an income stream.

Many REITs specialize in certain types of properties, like healthcare facilities, commercial buildings, or apartments. The primary benefit of a REIT is that individual investors can start with a small amount of money and then add additional funds on a regular basis as their budget allows.

Several crowdfunding platforms have launched in recent years, including Diversyfund , Crowdstreet , Fundrise , Roofstock , and Ground Floor. Each of the investment opportunities is tailored to slightly different investors. For example, you must be an accredited investor with a certain net worth to join Crowdstreet, but with Fundrise anyone with ten dollars can participate.

Some investing platforms allow more access to withdraw your money, while others will be more illiquid. By comparing Fundrise vs. All in all, it will literally pay for you to research each platform to pick the one that is just right for your goals. One of the first steps in getting started in real estate is to build pools of available money to purchase properties.

Unless you have an established business or experience in real estate, getting a bank loan to buy properties may be a challenge. Depending on the type of investing you want to do and the properties you are targeting, different funding sources may be available to you. For example funding for flipping houses will be different than funding for other types of investment properties. Your personal funds, held in one of the best savings accounts , are the cheapest source of financing available.

Having money set aside to pay for your real estate deals allows you to act quickly with no interest charges. For example, wholesalers may only need a small pool of money to pay for the deposits to get real estate properties under contract. Credit cards are a great way to pay for repairs, utilities, insurance, and other expenses. Borrowing money from family and friends can be good and bad.

Although some may not charge you interest, they may feel entitled to get involved in your business. And, if things go wrong, not only will you owe them money, but it can ruin a personal relationship. Personal loans and lines of credit are unsecured financing options that are not tied to the property you are purchasing. Having this money available versus a traditional mortgage allows you to act quickly without waiting for an appraisal or underwriting approval once you find a property.

Personal loans are installment loans that charge interest and require set monthly payments. Seller or owner financing is when you buy a property and make payments to the owner instead of the bank. This method is very advantageous if you are unable to get approved for bank financing.

Existing homeowners also have the option to tap into their home equity to fund their investment property purchases in the form of a home equity loan or line of credit. It is generally more flexible and more economical to use a home equity line of credit instead of a home equity loan.

When investors are starting out with rental properties, they may purchase the property and live in it while fixing it up or waiting for it to go up in value. Sometimes, they house hack by renting out bedrooms to cover the mortgage. Multi-unit properties duplex, triplex, and fourplex or homes with a mother-in-law unit are popular for this purpose. If you will be occupying the home, conventional mortgages and government programs can be a possible source of funding.

Conventional mortgages may be available to you from either a credit union or a bank. Credit unions often have lower interest rates and fees because they are nonprofit organizations. Additionally, because credit unions are membership-based and serve specific communities, they may have easier underwriting guidelines that improve the chances of your loan being approved.

Government programs that may provide funding include U. Department of Housing and Urban Development loans. Each will have its own specific criteria for eligibility. For example, FHA loans require a down payment as small as 3.

FHA loans also require an upfront mortgage insurance premium of 1. Another option is to work with a mortgage broker. Mortgage brokers have the ability to shop your mortgage around to various lenders to find you the best deal. Online websites, like Rocket Mortgage, can also provide this service. Mortgage brokers charge a fee for their service that will need to get paid by the borrower or the lender.

Hard money lending can be more expensive than other forms of financing, but hard money lenders may also be more likely to approve you. Hard money loans are usually not for long-term financing and often come due in full within a year. Hard money loans are usually a last resort due to the onerous terms, rates, and fees associated with this type of loan.

The age-old saying in real estate is location, location, location. Where your property is located is important, but so are other factors if you want your investments to be profitable. There are several avenues available to find your real estate investments. The most successful real estate investors use multiple sources simultaneously to find the best deals. You can work with a real estate agent to gain access to their local knowledge and the multiple listing service.

The MLS is a database of properties for sale that only licensed real estate agents have access to. Online websites such as Redfin, Zillow, and others seek to mimic the MLS, but they do not have as much data. Auctions are another option to find potential deals. In many cases, properties are for sale at auction because they are not in optimal condition for sale through the MLS.

There are different types of auctions, including tax lien auctions, trust auctions, government auctions, and foreclosure auctions. Auctions usually require that you put down a deposit in order to bid and you must also have the ability to pay for your winning bid shortly after the auction closes. In other words, if you need bank financing, an auction may not be the way to go.

Investors need to perform extra due diligence on an auction property to ensure that there are no hidden liens against the property. And, in many cases, you will not have access to the property before making your bids. Sales are usually final, so you cannot back out if you find problems later on.

The risks are high with auction properties, but so is the potential for profit. Wholesalers are always looking for prospective buyers so they represent a great way for you to find your investment property. When speaking with a wholesaler explain what specific types of real estate properties you are looking for so they can share opportunities that meet your criteria. Which brings us to another critical junction in your real estate investing journey — what type of property are you looking for?

Whatever kind of property you are after, it is important to keep networking with other investors, contractors, and related professionals. You never know where your next deal will come from. A good place to start building your network is with your local REIA real estate investors association. Attend meetings regularly and introduce yourself to the people there. Make friends with other investors because they are not always your competitors.

A before-and-after photo example of renovations on one of my own investment properties. Many real estate investors start out as wholesalers. It has the lowest barriers to entry and does not require a large amount of capital. As a wholesaler, your job is to find deals that other investors may be willing to pay you a fee to buy. There is some very important but straightforward math to understand when it comes to wholesaling. When you've found what you believe to be an ideal property for you to wholesale, research the recent sales of comparable properties in the area.

These properties are more commonly known simply as comps. Depending on the condition of the property and estimated repairs, your offer price may go higher or lower. Additionally, a lower purchase price makes it easier to refinance the property to get cash for another investment or to sell and make a profit.

One of the most popular real estate websites is Zillow. Zillow offers similar search functionality as the MLS, such as narrowing down by property type, number of bedrooms and bathrooms, size of the home, lot size, and price. Zillow also provides a proprietary Zestimate of the value of a property, but this estimate may vary widely in comparison to actual market values. If you went by the Zestimate instead of doing your own research that could really throw off your calculations on a deal.

This could result in you not making a profit or even taking a loss. If you are looking to rent a property, there are a few critical steps to understand once the rehab stage is complete. Placing a sign in the front yard may eventually attract renters, but that is not all you should do to get your unit occupied. Before posting about your property anywhere, you'll need to carefully craft your listing. Write down the basics of the property, such as the number of bedrooms and bathrooms, square footage, and the size of the lot if it has one.

And don't forget to mention the improvements you made, such as new carpet, fresh paint, and upgraded kitchen. Think about what sets your property apart from others and its attractive features. Take high-quality pictures of the outside, each room, and the features you want to highlight. A fully rehabbed kitchen in one of my properties. Who wouldn't want to live here? The first places to list your ad are real estate-specific websites such as Zillow , Realtor , Hotpads , and local websites that focus on properties in your neighborhood.

For example, WestsideRentals is popular in Southern California. Then, move on to more general websites like Facebook Marketplace and Craigslist. Finally, don't forget to mention it to friends and co-workers.

They may know someone who is looking. Language: English. ISBN: ISBN Release Date: August Length: Pages. Weight: 1. Dimensions: 1. Customer Reviews. Write a review. Best of the lot Published by Thriftbooks. I was a little skeptical about a real estate book in a series whose cornerstone is "The Unofficial Guide to Disney World.

It is very down-to-earth and doesn't push get rich quick schemes. More like get financially secure in 20 years. Actually, that would be number 2 on my list--it's excellent. But I like the UG book a little better. Read both. One thing I really liked in the UG book were all the worked numeric and financial examples. I pulled out my Hewlett Packard financial calculator and went crazy. But unfortunately, some of the numbers seem to be incorrect, or at least "aggressively rounded.

The bright side is that all the time spent convincing myself that the book was wrong and not me resulted in helping me to gain more confidence in crunching these numbers. An email to the authors about the typos and mistakes went unresponded to. I note that a new edition is scheduled for August , indicating either this book's popularity There are other mistakes that can only be explained by last minute rogue search-and-replaces, such as a three digit number that replaces several letters of certain words.

This book is not entertaining. It doesn't have a catchy title. There aren't get rich quick schemes. You won't find a way to buy houses with no money down. You won't find a way to make money without lifting a finger. If you want a book lie that, read "rich dad, poor dad.

It's basically a long pep talk. In contrast, the Unofficial Guide gives you a realistic example of how and why this type of investing works. It goes into a great deal of detail about the benefits and drawbacks. It gives a pretty picture of the real estate business in an understandable manner and shows several different ways that profits can be made. Experienced investors would be helped if they aren't seeing very good profits or if they just want to renew their education and get some helpful points.

The only drawbacks to this book would be the way taxes are presented. There are several points that are a spread out over several chapters and I was left a little confused. It would've been a little better to do a full discussion of taxes from a very basic level in one of the first chapters, then reference that chapter throughout the book.

Without a doubt, I still gained a better understanding than I had before, but it could've been done a little better

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