Skip to content
×
Pro Members Get
Full Access!
Get off the sidelines and take action in real estate investing with BiggerPockets Pro. Our comprehensive suite of tools and resources minimize mistakes, support informed decisions, and propel you to success.
Advanced networking features
Market and Deal Finder tools
Property analysis calculators
Landlord Command Center
ANNUAL Save 54%
$32.50 /mo
$390 billed annualy
MONTHLY
$69 /mo
billed monthly
7 day free trial. Cancel anytime
Pick markets, find deals, analyze and manage properties. Try BiggerPockets PRO.
x
Results (10,000+)
Eric Wood New aspiring RE investor in Pittsburgh PA!
27 June 2024 | 17 replies
Networking with local investors can provide insights into the Pittsburgh market, recommended contractors, property managers, and other professionals.
Ashley McDonnell Section 8 Rentals in NC
24 June 2024 | 1 reply
Online I found that tenants are not required to pay the difference between their vocher amount and any remainder of rent.
Magda Lipinska New investor in Austin
26 June 2024 | 8 replies
You can look me up online, “Your Home Away Management San Antonio”.  
Max Reynolds License Exam Crash Course/Practice Tests
25 June 2024 | 4 replies
Probably any of the online shops like CE Shop or Aceable agent. 
Mike Most Debating between markets
28 June 2024 | 14 replies
I have family with a portfolio in North Texas and over the past four years their taxes have increased 100% or more per property for no increase in the services provided to them.
Jesus C. Has anyone found any decent property manager in Bakersfield/Oildale, CA?
27 June 2024 | 8 replies
The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!
Sumit Kaul loan agains equity/etf vs 401K vs other options
27 June 2024 | 2 replies
Here are some options and considerations:Loan Against Equity/ETFs:Margin Loans:Description: Margin loans allow you to borrow money using your investments (such as stocks or ETFs) as collateral.Pros:You retain ownership of your investments.Generally quick access to funds.Interest rates can be relatively low compared to other types of loans.Cons:Your investments are used as collateral, so if their value declines significantly, you may face a margin call (requiring additional funds or securities).Interest rates can vary and may be higher than traditional loans depending on the lender and your creditworthiness.Securities-Based Line of Credit (SBLOC):Description: Similar to margin loans, SBLOCs use your securities (stocks, ETFs) as collateral, but they typically provide more flexibility and may not trigger margin calls as easily.Pros:Allows for ongoing access to funds as long as your collateral remains sufficient.Interest rates may be competitive.Cons:Similar risks of potential margin calls if the value of your securities drops significantly.Terms and interest rates can vary widely among lenders.Comparison with 401(k) Loans:401(k) Loans:Description: Borrowing from your 401(k) allows you to access funds without selling investments, using your retirement savings as collateral.Pros:Typically low interest rates.No credit check required.Interest paid on the loan goes back into your 401(k) account.Cons:Usually capped at a percentage of your vested balance (commonly up to 50% or $50,000).If you leave your job, the loan may need to be repaid immediately or could be considered a taxable distribution.Potential opportunity cost of missing out on market gains if funds are withdrawn from investments.Other Alternatives:Home Equity Line of Credit (HELOC):Description: If you own a home with equity, a HELOC allows you to borrow against that equity at typically lower interest rates than unsecured loans.Pros:Lower interest rates compared to other types of loans.Interest may be tax-deductible if used for home improvements (consult a tax advisor).Cons:Your home serves as collateral, so failure to repay could result in foreclosure.Personal Loans:Description: Unsecured personal loans can be used for various purposes, including investing, but typically have higher interest rates than loans secured by collateral.Pros:No collateral required.Funds can be used for any purpose.Cons:Higher interest rates and stricter eligibility criteria based on creditworthiness.I am a loan officer and we do some of the loans stated above.
Jared Schweiss Adding Patio to Fourplex
26 June 2024 | 7 replies
We provide a simple Weber charcoal grill at our duplex unit for tenants to share, and leave it to the tenants in our single-family properties.
Alex K. How are you guys investing in Los Angeles
26 June 2024 | 11 replies
There are different strategies to take advantage of, from live flip to acquiring units (many coming online).  
Elijah Householder Room rental income to qualify? (FTHB)
26 June 2024 | 4 replies
I’m just trying to do all I can to get creative with my options haha and having trouble finding this exact info online.