All Forum Posts by: Lane Kawaoka

The numbers don't really mean anything just my own personal hit list which there is no strategy other than if try to diversity. And everyone's situation is different. For example if you doing good with the low appreciation good Cashflow areas like NC or Memphis try and couple it with a Texas or Atlanta which has better appreciation. The idea is to diversity in case you have the next Detroit and hopefully you will end up with an MVP like Atlanta was in 2012 or Memphis was in 2014. If you get an MVP year consider selling that geographical portfolio and trading it in for two more. Joe Kim

Below is my humble opinion. For those geeks and engineers out there as long as your in "Quadrant I" you are ok. For example Seattle/California/Hawaii is in Quadrant II - negative cashflow and positive appreciation. Detroit, yea that's in Quadrant III.

Bob if its your wife, your screwed.

You should invest in your HSA before your Roth or 401k. Think about it your going to need medical expensive before you turn 59. For all you know you could die before 59. SDHSA all the way.

What kinda of financing terms are you folks finding. I am sure you can find a rent to value ratio near 1% but don't the terms sucks?

Do you own home and have equity. The rates on you own home with be a couple points better. Some people don't like borrowing from your home... I get it but it's all coming from the same place.

In all honestly the top 9 markets you hear about are pretty much the same. Some offer better CF and some a little better appreciation. It's more important who you buy from that they have integrity and stand behind their product.

It's a coin flip but I would not. I had a pool the appraiser almost missed and ended up not counting it in the appraisal anyway.

Live and let live.

I looked up national lenders b2r, colony, Visio, for 75ltv 30 yr amortization. The terms and rates differ but it's not that great with 6.5 percent for a few points.