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11 February 2025 | 1 reply
With rates and lending terms constantly changing, I’d love to hear from those who have recently closed or explored a blanket loan.Which lenders are offering solid terms right now?
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11 February 2025 | 5 replies
@Chris Pratt Since single-family houses with ADUs are not considered commercial properties, they are not priced based on income or cap rate.
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5 February 2025 | 5 replies
As a percentage closing cost as percentage goes down as value increases but we will 15X to account for closing costsNo cash flow per OP.2% market appreciation equated to 30% + 15% = 45% 3% market appreciation equates to 45% + 15% = 60%4% market appreciation equates to 60% + 15% = 75%Recognize in virtually all markets the cash flow increases with hold length especially if a fixed rate loan.
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9 February 2025 | 12 replies
With those kinds of rents ($5,800 between the 2), even with a 9% cap rate, in my opinion those properties should collectively appraise for nearly $500k.
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15 February 2025 | 11 replies
No monthly fees, just a flat rate per year, per transaction.
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13 February 2025 | 3 replies
When considering single-family homes (SFH) or small multifamily properties, it’s important to analyze rental demand, local property values, and rental rates to ensure you’re getting strong cash flow potential.
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6 February 2025 | 5 replies
Recapture typically happens only when you sell the property.If you use the property partly for personal use and partly as a rental in a given year, depreciation and other expenses must be prorated based on the number of days it was rented versus personal useBased on the current tax laws and regulations, once you've taken bonus depreciation on an asset, you cannot "capture" additional bonus depreciation on that same asset in future years, even if the rates increase.In the 2024 tax year, the rate for bonus depreciation is 60%.
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13 February 2025 | 9 replies
Consider this scenario:- You buy a $400,000 duplex with 5% down ($20,000) at a 6.5% interest rate.- Your monthly mortgage payment (PITI) is about $2,800.- You rent out the other unit for $1,800 and maybe a spare bedroom for $500.- Total rental income: $2,300.- You’re still responsible for a $500 gap each month.Add in maintenance, unexpected expenses, and vacancies, and your costs can climb even higher.
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15 February 2025 | 5 replies
I recently pre-qualified with them and was told the interest rates are all the same (6.0%).
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17 February 2025 | 5 replies
That said, with today's rates, every increment of extra mortgage is way costlier than it was four years ago during the sub-3%-rate Covid days.