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?

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Perhaps. Taking money out also invests costs ( cash out refinance) or requires a sale. If a property continues to rise, If you have great cash flow and good tenants, and don’t need money - why sell ? Some of my properties are up 250k ... but have a great tenants so don’t want to change that.

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Do BRRR. Take any extra equity out of your current homes above 20% and buy more properties. As long as they are cash flow positive, you are building equity + getting solid cash flow. Cash flow will be better in cheaper cities and appreciation will be much better in bigger cities. You can have up to 20 mortgages at a time with your SO

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I manage to a lower D/E ratio than most, so as long as I’m expanding I just slowly pay off my houses.

They’re on 15 year mortgages, though, and EVENTUALLY it’s less about growth and more about income (during retirement), so a slow and steady 15 year payment plan seems reasonable.

The summary - eventually, you stop leveraging your houses. That’s also when you stop growing your portfolio, for the most part

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I also have some 15 years on houses that I plan to just keep. We have 4 houses in pipeline for purchase - just not much else to buy right now even if I did have extra cash.

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For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

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Does anyone feel like these cryptos and short term real time pump and jump investments come at emotional and psychological cost? Money looks too easy and it gets frustrating when you just sold something that has been stagnant for days and the moment you sell it just skyrockets etc. just curious

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Don’t mind me here as an international student just sitting here with my bucket of popcorn watching you all bicker about student loan forgiveness

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Guys I'm confused, do we have an IRA account with PwC or is it just 401K?

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Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

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Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

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What’s the deal with Cost of Living in SF? Is it me or does it seem like it’s on par with NYC? ~$3500 for 1bdrm. Looking at relo soon

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I worked the majority of 2020 from home. Office is in NYC but live in another state. Why do I need to pay tax to NY?

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Any ideas what’s going on with property values in the suburbs? They seem to be pretty overpriced, yet they also seem to be selling pretty fast (over the pat month).

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

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2.75% rate + $2000 lender credit for 30-yr conventional in Austin. Is this good??

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Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

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PLTR calls? Bad week for them as they fell under ‘meme stocks’ some places. Thinking of $33 for 2/19

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How to check what is there in full and final settlement as they just sent the amount to my account...not any mail or anything to check.

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Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

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What's a usual amount of time that you have to stay somewhere in order for your RSUs to vest?

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Hi all,

Does Here Technologies offers employees stock purchase program in India, do they provide stocks with regular offer/bonus??

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If you’re hoping to find a housing deal, you’re out of luck in the short term.
Maybe if you can deal with the higher payments for the next 3 years and sell/refinance above today’s prices you’ll be ok, but this isn’t going to be pretty.

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Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

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Hi I have 1.5 year experience In manual testing. How to find job In mid level company ?

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Hey fishes,

I got an offer from a company below is the compensation layout. Can you all tell me what will be the in-hand salary per month, will it be 49k?
I can see that EPF for employer is also deducted from my salary so this is not correct based on the EPF Act, is there some other thing which is not correct in the given Annexure?

Thank you!

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Wearing to work today

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I have two offers in hand. KPMG and Deloitte. CTC is almost same whereas variable is more in KPMG. I am inclined towards Deloitte India. But HR in KPMG told me that I won't be able to join KPMG India in future as I accepted their offer. I informed her within 2 weeks and didn't do anything for onboarding. I didn't ask to increase the amount or JB and I strongly believe I informed early so they can look for other candidates. Is this bluff? Any HR here to clarify

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Hi guys I work in One of GCP partnered org. My role sr SQL developer I resigned the current job GOT ROLE in FICO child org as a solution integration consultant role -(AWS,PENTAHO ,SQL we will be using ) -offered CTC 25 fixed + 1L JB + 2.5 BONUS + 0.5 L WFH SETUP = total 29LPA if everything will go smoothly ( bonus vary with comp growth it can be between 1.8L to 2.5l .so final CTC will get down to 28LPA as well - Bangalore but WFH ).Current org retain with 25L +2 LP VARIABLE HYDERABAD COMPANY

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I don’t want to stop living a double life. I’m a 29yo bi guy living in a liberal city and I’ve dated a guy(29m) for 5 years. I fly back to my conservative small town and pretend I’m straight for my parents (and extended family) because I don’t want to disappoint them or cause them any pain. I love them and I love my bf, and I want to keep both aspects of my life as they are today. My bf wants to meet my parents but I really don’t want to bring that drama into my life

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This made me lol 😭

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Who else is constantly given briefs with influencers baked in as a key component of the solution?

Applied for a position in PWC UK and status shows as 'interviewin' on workday. Does this mean I'm selected for an Interview, or that the position itself is now in the interviewing process.

Working on a long term brand platform, which had the potential to be a really stellar, powerful body of work.

Sadly, it's being driven into the ground so hard by stakeholders that I have no love left for it. It's slowly becoming an embarrassment.

How do you go about this? Do you just swallow your pride and just take the paycheck? Try to fight for it tooth and nail while you still can?

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Hi Sharks, how do you feel about HR's tactics of splitting the annual hike into two parts (October and April)?

Guys how much is expected pay in Capgemini for BI consultant Role for 8yrs exp..n how is Job Security n work culture with Onsite opportunities in Capgemini?

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I have Kinder students & we just got Chromebooks (non-touchscreen) for our class. Do you guys recommend any free websites for young kids to practice computer skills, phonics, and math?

All these announcers do is talk about how Aaron Rodgers is God… it’s worse than Brady.

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Any 40+ women here interested to make new friends? 40+ man here.

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I feel left out in my firm. How do I make 'friends' with my colleagues? I've been here for a year. I am naturally not a very out going person, was never 'cool' and I struggle to speak in group situations / make engaging conversation with higher ups. It is an important trait to have in this job and I just don't know how to do this. It makes me very upset - I even sought therapy but wasn't useful. I can't spend 14 hours each day feeling like this:(

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Hi, Can someone guide me which product based companies are good for a linux administrator with 4+ years experience. It will be helpful to move forward with clarity.

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Hi all ,
I am looking for a job in
Accenture in HR (operations) , currently working with KPIT Pune
I have 3yrs of experience.
Grateful for any leads , thanks in advance!

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How much do you make and how many years experience? I’m a senior para at a mid sized firm in Central FL. 10 years experience. I’m making $64k—fair salary?

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Additional Posts in The Real Estate Bowl

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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For those that built higher end homes, what kind of appliance budget did you have?

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What's the best city in UK to buy a buy to let property, with best returns?

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We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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Please help! Do these fees look within normal range or are they too high? I am especially concerned about the title company fees!

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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. 

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Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

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2.75% rate + $2000 lender credit for 30-yr conventional in Austin. Is this good??

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Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

The threat of nuclear bombs flying over cities should crash the real estate market

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Is this the right time to buy a house as a primary residence. Everything is above listing price and going up on a weekly basis. What is your recommendation, be on rent for another year or two till the time property price go down or buy a house and save money on rent. Aprox budget is $500k and renting a house for 2200k per month as of now.

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If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

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Do y’all do 15 year or 30 year for your portfolios? I personally plan to have a “job” or “career” for both the next 15 and possibly next 30 years, so should I just do 15 years to get a free and clear portfolio earlier? 25 year old and just getting started. Have a duplex in a major market (looking to refi out of FHA), and eyeing other opportunities now. I don’t “need” cash flow, so should I try to just build equity?

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For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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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

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Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

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Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

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One way to invest in rental properties is paying the downpayment and any renovation costs using saved up cash. I know folks also use HELOCs. So you'll end up with 2 loans. When do you pay off the HELOC? Personally I dont think taking out a HELOC is a great idea. What other strategy do you use to invest in rentals?

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

What, if any, were your main complaints?

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