All Forum Posts by: Clayton Silva

Hey Ashley! While definitely frustrating to hear about the unpermitted garage and the headache that would cause, you definitely have a good problem to have overall!  We specialize in investment lending and do a bit of advising as well to help clients determine what works best for their scenario.  I would love to chat more about your situation because there are a lot of factors that would be impossible to consider here such as importance of cash flow vs appreciation, how your income situation looks (tax benefits can play a major role in investing decision making) and so on.  I personally live in CA as well and invest in NC and AZ and know how hard it was to make the jump into long distance investing but honestly, I have never looked back!  Would love to connect and be a sounding board for some of your ideas!

Hey Darian! I invest in Fayetteville actually and used to live there (was stationed there for a few years). We have a lot of different HELOC options and I would be more than happy to chat about those options with you!

What kinds of properties are these, how are they being used, and how much time is left on the land leases?  I ran into this recently with another client of ours, and while doable, the land leases definitely complicate things.  Is there an opportunity to buy out any of the land leases?  Who are the lessors?

Definitely not a bad idea at all.  I would check the local landlord/tenant laws to ensure the feasibility of that, but I totally get your frustration.  Had a similar experience with an Airbnb in AZ where our solar went out and we didn't notice until we got a $600 electric bill for AC usage! 

He Jake, do you already have a property in mind that you own? Or are you looking to purchase one?  Not sure how much computer availability you'll have but I have started to self manage my properties (even from CA to NC) and it is not nearly as difficult as I thought it would be.  I personally use Turbotenant and it has been awesome so far with very supportive customer service!

While we are not a local community bank we can definitely assist with refinancing out of your construction loan into more permanent financing in AL!  Are you looking to have each property on separate notes or all under one blanket loan?

 Actually we can offer HELOCs on investment properties as well 👍🏼 they are a pretty cool product and can be fixed rate

Hey Ray, sounds like a great problem to have! Because of the nature of our business, we do a lot of advising for clients who are new and experienced in the real estate market.  We can go over your goals and how best to structure your portfolio.

Is the property in KS? 

What is the value, and what do you owe?

What kind of property is it? Multi or Single?

We can do investment HELOCs up to 70% LTV.

Decent analysis but incorrect because that is your unlevered return assuming that you bought the house cash. Do the same math, but with only 20k down on a 100k SFH and check the returns. Take that 100k and buy 5 homes, even by your own logic, you would be at 115k appreciation * 5 is 575k in appreciation. I hear ya, but the math ain't mathing. I 100% agree that people should invest in what they know and understand, and what they are comfortable taking on. Stocks are great for a lot of people, but the returns in the stock market, do NOT come close to the returns in real estate. You also failed to mention that for 30 years you were collecting rental income and reduced your taxable income with depreciation and other tax benefits.