Anyone familiar with delayed purchase financing?

I purchased a property (land w/ a shell of a home) in cash, and I reached out to lenders for a loan to finish the property.

I found 1 lender who does portfolio loans that are delayed purchased financing. The rate was 8% when I started chatting with them a few months ago. I’m about to close & rates have gone down 1.5-2%. Wondering if there a way to capture the new market rate, or if those types of loans are treated differently? TIA.

Anyone got the salary credited.

How much tax you paid... please also mention deduction u have used.

Let's make a list....will be usefull for all Amazonians

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

NRF matched Millbank in TX yesterday

What are some good modern/post-pandemic personal finance books you can recommend?

With the latest Southwest Visa cc, you get 4 upgraded boardings a year. I’ve used 1. My question is this. What is a “year”? Is it calendar year or your anniversary date of when card was issued?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

How do you calculate IRR for a write off? Is it just 0% or should it go negative? There’s no cash moving after the initial investment so not sure what to do.

Without thinking it through I signed up for two cards at the same time I need to spend 8k in three months which is fine but any way to track my second against promotion vs actually loooimg st my state

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Can I get a commercial loan without 25% down?

Why do there seem to be so many comparison threads of achieving XX salary/net worth by age Y?, especially amongst younger people? Is this the fallout of social media and do you think it’s a generation-wide thing, or just contained to folks in “preftigious” circles?

Hi! I’m doing some research on employee benefits (medical insurance, 401k, HSA/FSA, commuter benefits) and was hoping to connect with People specialists or HR professionals in the comp & benefits space. I’m trying to better understand any pain points or challenges you might face with utilization/enrollment. Anyone interested in connecting? Thank you!

Have 20k, what’s a good small business to start with this fund? Serious question here

Starting second trimester, has anyone had really bad upper back pain like inbtwn shoulder blades? If so, pregnancy pillow help? Also starting to get pain lower abdomen/stomach. Think it’s everything stretching inside, but didn’t know if something could help!

Finance experts, help me understand what a major deflationary period will be like. ELI5

Need 11 likes to unlock dm features
Please help
Thanks

So I am currently working as a journalist for a National TV channel with 3 years experience and looking for a better options. All suggestion or referrals invited

Hi,

Does KPMG lighhouse India provides Internet Charges reimbursemenr, if yes how to claim it?

TIA

Anyone else get deferred / marked for "further consideration" for Round 2 for HBS?

How many different projects would you show in your book? I’m redoing my portfolio and find it so hard to know what should make the cut...

Hi Fishes, If i extend my doj will it affect my joining bonus in ibm. Because in offer letter its mentioned as on or before doj. Thanks in advance IBM

It's March, and I have done a lot of seminars in Jan and Feb. I've gotten a few clients but would like to increase AUM drastically! Any books, sites or advice on what I can do for marketing?

Hello everyone! What kind of schools are you all working in?

can anybody tell me where to submit hra proofs in KGS

Graduating Ph.D. program 2021, received offer from tiny boutique for 140TC+random small boutique benefits. Would be better commute, non metro area closer to home. Waiting to hear back from well known life science boutique (think ZS, Clearview, Putnam). Offer would be for NYC office, would likely relocate.

If offer is given, a) at what $ is this worth and b) is brand everything for first firm out of school?

Also would the life science boutiques reasonably pay more than that?

I'm hiring soon for a clinical pharmacist roles to do prior authorizations from home. It's state programs and mainly 9 to 5. What should the compensation be? It'll include 3 weeks vacation and all holidays off btw.

Hello! I have a panel interview tomorrow with MBA for an EA role. Would anyone have any input on the company or prep ideas please?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Has anyone bought property where the EPA has remediated the site for lead contamination in the soil? If so what’s your experience?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Any one knows what’s the easiest way to order a radon test for new construction?