All Forum Posts by: Kristy Ruff

I am in need of a CPA located in the Greenville, SC area. I have my business entity up and running, however I have had a difficult time finding a CPA which specializes, or even has a fair amount of experience working with real estate investors. If any of you feel comfortable sharing the name of someone you would recommend I would greatly appreciate it. Thank you so much and happy Monday!

0 Votes

Hi Chad and Welcome!

I hope to see you around, I'm currently renovating my first rental in Greenville and hope to see you at a REIA meeting sometime. Talk soon!

0 Votes

Hello Arn and Welcome!

I love it here in Greenville too and I'm also interested in buy and hold investments. Perhaps we could meet up sometime. I just closed yesterday on a SFR near downtown and that is where I live and focus on. Glad you enjoy it here and talk soon!

0 Votes

Hello Josh and welcome!

This is a great forum, I highly recommend the podcasts as you can listen to them while in the car, etc. Just have a notebook ready you will learn so much!

Hope to see you around sometime!

0 Votes

Hi Daniel

Welcome, and Yes! the podcasts are the way to go! It got me hooked for sure and I'm under contract with my first buy and hold now. :) Good luck and hope to meet sometime!

0 Votes

I am a Greenville investor, please include me in leads you have for Greenville. Thank you so much!

0 Votes

Thank you you all, I've been wondering the same about pulling cash out of a rehab property. I have my first buy and hold under contract and it definitely needs some love before renting, and I was growing concerned about all of my capital being held for 6-12 months. Much appreciated!

0 Votes

Originally posted by @Adam Bartomeo:

I was a manger for HD for years and understand their CC's better then they do. The responses you received are a mixed assortment of programs. HD and Lowes have 3 options for financing. A consumer card, commercial card, and a home equity loan.

Consumer card - allows you to get 6 months (or more) no interest on any purchase above $299. Lowes give a choice of this or 5% off. The interest rate is that of loan shark.

Commercial card - allows you to get 5% off but there isn't any special financing.

Home Equity loan - this is really just a personal loan. You can buy what ever you want for 6 months with out interest but after 6 months it rolls into a loan payment and the account can no longer be used for purchases. They advertise a 7.99% interest rate but out of 1000 applications I had seen ZERO get that rate.

The consumer and home cannot be opened in a business name.

I have used the consumer card on several flips because by the time the house is sold the bills are coming due. I get $30k interest free for 6 months. You can't beat that!

Thank you all for the input. I've had the HD card for renos in the past and wanted open one in my LLC, but maybe it's just better to keep in my personal name. My goal is to receive the 0% at this point. Thank you all for the great info!

0 Votes

All Forum Posts by: Kristy Ruff

Kristy Ruff has started 4 posts and replied 25 times.

Post: Investor work shop in Greenville, SC

Post: CPA Recommendation for Upstate SC / Greenville, SC

Post: CPA Recommendation for Upstate SC / Greenville, SC

Post: New Member from Spartanburg, SC

Post: Greenville SC Real Estate Broker and Investor

Post: Newb from Greenville South Carolina

Post: Hi, I'm a young investor from Greenville, South Carolina

Post: Greenville, South Carolina leads and deals

Post: Quick refinance success stories?

Post: Anyone use a Home Depot or Lowes Commercial Credit Card