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Updated over 4 years ago on . Most recent reply

Luke Schultz's profile image
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Luke Schultz
  • Member since Aug 24, 2020
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Luke Schultz's profile image
Luke Schultz's profile image
Luke Schultz
  • Member since Aug 24, 2020
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Luke Schultz
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Private Lending & Conventional Mortgage Advice

Best way to fund down payment?

Luke Schultz
Posted

Considering buy a new primary residence. If we do, we would keep our current home as an Airbnb. We have the ability to put 20% down to avoid PMI. However, I am concerned about putting such a large amount down and loosing the liquidity and having to pay taxes to generate the funds (short term capital gains).

Options I am considering:

1. Paying the 20%

2. 5-10% down and PMI

3. 401k loan and have paid back in 12 mo

Interested in hearing other’s thoughts and perspectives?

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