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Taking your first step into the world of real estate investment can feel both thrilling and daunting. As with anything new, there’s a learning curve, but with a littletime and research, you’ll find the results can be very rewarding.
Before you buy your first property, here are five things you’ll need to do.
Financing the purchase of an investment property is not the same as purchasing an owner-occupied home. Mortgage insurance isn’t available for properties you intend to rent, and you should expect a down payment of at least 20 percent.
Interest rates are different for investment properties, too. Don’t rely on low interest rates for home buyers — make sure you research the investment property rate.
Renting and flipping investment properties require different strategies, so it’s important to know which method you intend to pursue from the beginning.
Flipping a home requires a lot of upfront cash and energy to buy, fix, and sell the home. If you’re able to sell quickly, however, it also offers a faster profit.
Renting requires fewer, less expensive repairs, but it will take longer to make your initial investment back. Rental properties require long-term commitments for maintenance and finding tenants; however, they also offer long-term, more passive income. (See ourRentals Resource Guide for more information on managing a rental property.)
A little local knowledge can go a long way. If you intend to rent, it’s especially important to think long-term when buying an investment property. Does the city show a lot of new employment growth? Or does it mainly rely on dying industries? You want an economy that attracts tenants in your rental price range for a long time or one that appeals to quality buyers.
Research goes a long way, but nobody understands a city like a local. Learning the ropes of renting or flipping a property while also learning about a new economy can be overwhelming. It’s often easier to start out by investing in a property near where you already live.
If you’ve got your eye on a building, check out similar properties in the area. It’s helpful to approach this task as if you were a buyer or potential renter. Look through local listings to get a firm idea of the going rental rate or asking price for comparable homes or apartments.
Don’t just skim through the prices — dig into the details to get a better look at the current market trends. Are rental properties listing lots of incentives, like free months? Or do they mention a waitlist when you call?
If real estate agents and rental managers are eager to offer incentives, that often indicates a competitive market with too few renters/buyers. If you’re waitlisted or average prices seem higher than usual, there may be more potential lookers than there are available properties.
Your approach to considering properties that need repairs depends on whether you intend to flip or rent the property. For either route, bring in a home inspector who can find hidden problems you might miss like mold, lead, and more.
If you plan to flip, you’ll want to determine the after-repaired value of a property or how much a house could sell for after you do the necessary renovations.
Next, look at repair costs. Factor in both what you can do on your own, and repairs that require a professional. Houses that need mostly cosmetic repairs and renovations will cost a lot less than homes with structural damage or electrical problems.
As you calculate the price of purchase and repairs, don’t forget to include closing and holding costs. Depending on how long it takes to sell, you could end up losing money on the flip if you don’t include these factors in your assessment.
If you plan to rent, it’s best to avoid major, expensive repairs. Because renting is a long-term investment plan, you want to minimize your upfront cost. Thankfully, there are many resources available to help you maximize your investment, such asSuccess Path.
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My girl wove six dozen plaid jackets before she quit. Six big devils from Japan quickly forgot how to waltz. Big July earthquakes confound zany experimental vow. Foxy parsons quiz and cajole the lovably dim wiki-girl. Have a pick: twenty six letters – no forcing a jumbled quiz! Crazy Fredericka bought many very exquisite opal jewels. Sixty zippers were quickly picked from the woven jute bag. A quick movement of the enemy will jeopardize six gunboats. All questions asked by five watch experts amazed the judge.
Crazy Fredericka bought many very exquisite opal jewels. Sixty zippers were quickly picked from the woven jute bag. A quick movement of the enemy will jeopardize six gunboats. All questions asked by five watch experts amazed the judge. Jack quietly moved up front and seized the big ball of wax. The quick, brown fox jumps over a lazy dog. DJs flock by when MTV ax quiz prog. Junk MTV quiz graced by fox whelps. Bawds jog, flick quartz, vex nymphs. Waltz, bad nymph, for quick jigs vex! Fox nymphs grab quick-jived waltz. Brick quiz whangs jumpy veldt fox.
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Interview the agent and check their references.
Has your agent worked with buyers or sellers with similar needs? Do they have specific insights on your neighborhood? If you’re relocating to a different state, your agent will be one of the few people who can tell you about the neighborhood you’re looking to move to, and will need to know your lifestyle and needs before jumping in.
Checking the agent’s references may be more important than you think. While your initial interview with your real estate agent should be thorough, a lot can be inferred from the way their references answer one simple question. John May, a real estate agent with Austin Properties Group in Austin, TX, suggests clients ask references the following question: “Would you be willing to work with that agent on your next home purchase or sale?” If the answer is yes, you’re most likely in the clear. Any hesitation? It’s probably a good idea to ask why and dig a bit deeper to check the agent’s history.
Understand their communication style.
You won’t want to chase down your agent for crucial updates. Ask your agent’s references if they ever struggled to get their agent on the phone or have questions answered by e-mail.
The way an agent handles themselves during negotiations can make or break a deal. If you feel that your agent is confident enough to turn down a deal that they believe isn’t in your best interest, that’s a great sign. “A good agent knows how to understand the parties’ needs and how to bring a deal together without getting in the way,” says Amanda Jones, real estate agent with Compass in San Francisco, CA. “I also think that a good agent will help a buyer to walk away when it gets too heated. Sometimes silence is a great negotiation tactic.”
Ask about their negotiation tactics.
Your agent should be able to guide you to a successful sale or purchase, including providing suggestions for offers (and counteroffers), strategies for competitive markets, and any contingencies you’ll need in order to make it to the closing table.
Look into their credentials.
Some agents have certifications in addition to a real estate license: a certified residential specialist (CRS) has specific training for residential real estate transactions; an accredited buyer’s representative (ABR) designation means they completed training to represent buyers.
Ask them about their network.
A stellar agent has a broad network of potential buyers and sellers, plus great relationships with other agents. “They should also have a team of vetted and loyal experts such as contractors, handymen, designers, and architects who can help clients with renovations, small fixes, or design,” says Anna Kahn, an agent with Halstead Property, New York, NY.
Determine their workload.
Kahn suggests using the initial interview time to check in on an agent’s dedication. She recommends asking how long an agent has worked in your location, plus: “Is this their full-time occupation, or are they a yoga teacher or struggling actor who sells real estate for a few hours a week? This is a big decision, and the agent should be a full-time, dedicated, and extremely experienced professional.”
A full-time agent is more likely to put in the work to hustle for your real estate transaction to the closing table than a part-time agent who dabbles in real estate or has to supplement their real estate earnings with a second job.
Look at their public record.
Find out if your agent has been disciplined (and why!) to help decide if they’re a good fit your real estate transaction.
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Headings
Single line blockquote:
Stay hungry. Stay foolish.
Multi line blockquote with a cite reference:
The HTML
<blockquote>Element (or HTML Block Quotation Element) indicates that the enclosed text is an extended quotation. Usually, this is rendered visually by indentation (see Notes for how to change it). A URL for the source of the quotation may be given using the cite attribute, while a text representation of the source can be given using the<cite>element.
multiple contributors – MDN HTML element reference – blockquote
| Employee | Salary | |
|---|---|---|
| John Doe | $1 | Because that’s all Steve Jobs needed for a salary. |
| Jane Doe | $100K | For all the blogging she does. |
| Fred Bloggs | $100M | Pictures are worth a thousand words, right? So Jane x 1,000. |
| Jane Bloggs | $100B | With hair like that?! Enough said… |
These supported tags come from the WordPress.com code FAQ.
Address Tag
1 Infinite LoopAnchor Tag (aka. Link)
This is an example of a link.
Abbreviation Tag
The abbreviation srsly stands for “seriously”.
Acronym Tag (deprecated in HTML5)
The acronym ftw stands for “for the win”.
Big Tag (deprecated in HTML5)
These tests are a big deal, but this tag is no longer supported in HTML5.
Cite Tag
“Code is poetry.” —Automattic
Code Tag
This tag styles blocks of code.
.post-title {
margin: 0 0 5px;
font-weight: bold;
font-size: 38px;
line-height: 1.2;
and here's a line of some really, really, really, really long text, just to see how it is handled and to find out how it overflows;
}
You will learn later on in these tests that word-wrap: break-word;will be your best friend.
Delete Tag
This tag will let you strike out text, but this tag is recommended supported in HTML5 (use the <s> instead).
Emphasize Tag
The emphasize tag should italicize text.
Horizontal Rule Tag
This sentence is following a <hr /> tag.
Insert Tag
This tag should denote inserted text.
Keyboard Tag
This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.
Preformatted Tag
This tag is for preserving whitespace as typed, such as in poetry or ASCII art.
The Road Not Taken
Robert Frost Two roads diverged in a yellow wood, And sorry I could not travel both (\_/) And be one traveler, long I stood (='.'=) And looked down one as far as I could (")_(") To where it bent in the undergrowth; Then took the other, as just as fair, And having perhaps the better claim, |\_/| Because it was grassy and wanted wear; / @ @ \ Though as for that the passing there ( > º < ) Had worn them really about the same, `>>x<<´ / O \ And both that morning equally lay In leaves no step had trodden black. Oh, I kept the first for another day! Yet knowing how way leads on to way, I doubted if I should ever come back. I shall be telling this with a sigh Somewhere ages and ages hence: Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference. and here's a line of some really, really, really, really long text, just to see how it is handled and to find out how it overflows;
Quote Tag for short, inline quotes
Developers, developers, developers...
--Steve Ballmer
Strike Tag (deprecated in HTML5) and S Tag
This tag shows strike-through text.
Small Tag
This tag shows smaller text.
Strong Tag
This tag shows bold text.
Subscript Tag
Getting our science styling on with H2O, which should push the "2" down.
Superscript Tag
Still sticking with science and Isaac Newton's E = MC2, which should lift the 2 up.
Teletype Tag (obsolete in HTML5)
This rarely used tag emulates teletype text, which is usually styled like the <code> tag.
Underline Tag deprecated in HTML 4, re-introduced in HTML5 with other semantics
This tag shows underlined text.
Variable Tag
This allows you to denote variables.
Author userCategories UncategorizedPosted on
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