Personal loan of 231.000 USD to be payed in 4 years at a fixed rate of 3.25%If I run the numbers in my Excel sheet, of course the personal loan gives me a negative cash flow for the first four years of about 15% but, after the loan is paid, the same would jump at 22% per year.In summary, my Company contributes in paying my apartment and in 4 years it would be mine.What do you think is best, mortgage or loan?

Thank you, and I look forward to contributing more to the BP community. :)

I hope I can help contribute to the amazing community that is BiggerPockets!

I plan on contributing more as I go and share my stories!

Owning a property without the reserves to maintain is a recipe for disaster It would be best to find a partner with funds to achieve financing or owner financing and have the reserves to maintain the property You contribution could be the daily management of the investment and finding more deals down the road  Good luck

Hey guys! I've been on BP for a little while now. I've got a few thousand bucks that I can help somebody use to flip near Fayetteville, NC. Raleigh, NC. Durham, NC....and the surrounding areas! Looking for somebody wh...

She has a very solid well paying job, and I work for myself, so we're thinking that we'll both contribute equal capital at first, and she may contribute more than myself as time goes on.

I will contribute funds for the rehab which constitute approx a third of the total investment of 300K.

Things that contribute to that are- tenant pool/quality, quality of the property, market stability, etc. 

It is a bank owned property and they said $300 would be all we need to contribute to closing.