10 June 2020 | 24 replies
Making time, would just reduce my abilities as a doc/dad/husband right now, and isn't feasible, but I hope it will be one day.So I'll need to be somewhat passive.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/491657/small_1621479073-avatar-seanh35.jpg?twic=v1/output=image&v=2)
4 June 2020 | 4 replies
2) Can I reduce risk?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/907170/small_1621505349-avatar-naderwahba.jpg?twic=v1/output=image&v=2)
3 June 2020 | 1 reply
Hello all -Hope everyone is staying safe and working hard.Pre-COVID, there were several lenders that had programs geared towards investors like myself but they seem to have either suspended their programs, or reduced the amounts they are willing to lend (as well as charging hefty origination fees).Does anyone have recommendations of companies who are still lending with terms similar to pre-corona?
4 June 2020 | 3 replies
If the appraisal did not come back where my stated value was, then it would be reduced to hit their max combined LTV.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1382269/small_1621511799-avatar-reinaldol3.jpg?twic=v1/output=image&v=2)
26 June 2020 | 22 replies
At most, I can see companies (for both retail and office) gradually reducing their overall footprint.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/980727/small_1621506759-avatar-joshuaf70.jpg?twic=v1/output=image&v=2)
8 June 2020 | 13 replies
Which we're told we will get back between year 1-2 and use as a capital return to our investors thereby reducing our total capital investment and increasing our investors returns.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/897348/small_1621505190-avatar-awillou07.jpg?twic=v1/output=image&v=2)
7 June 2020 | 11 replies
@Antonio Williams @Marlen WeberYou may want to reach out to the HR department of your employer.Your retirement fund admin may allow loans against your vested 401K balance.There are normally 2 loan provisionsGeneral & Home purchaseHome purchase loan provision allows for a longer pay-back period.Normally loans are not added to your income and not subject to taxes/penalties.Your future paychecks are reduced to pay-back the loan balance.There are also potential risks when taking a 401K loan, the balance being due upon being let go or quitting.Alternatively, this year cause of the cares act, you may potentially be able to take out a distribution(no requirement to pay back) and it wouldn't be subject to penalties.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/747752/small_1694986179-avatar-zphiroz.jpg?twic=v1/output=image&v=2)
4 June 2020 | 5 replies
Are there any other ways to reduce the risk of keeping multi unit properties under my personal name?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1674597/small_1621514683-avatar-kevink462.jpg?twic=v1/output=image&v=2)
3 June 2020 | 0 replies
But as a first time buyer, it seems the risk would be significantly reduced.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1760706/small_1621515318-avatar-kylen97.jpg?twic=v1/output=image&v=2)
4 June 2020 | 6 replies
So if you get prequalified for 80% LTV.....but your property needs 85% LTV to BUY and REHAB....and you want to keep your out of pocket at $0....then maybe we should reduce our initial offer by 5% so you BUY and REHAB at 80%.