Question:

I'm interested in qualifying for an investment property and am considering DSCR loans, but I prefer not to put down 20%. I recently purchased my home and haven't lived in it for two years. Are there any alternative options available, or do I need to live in my current home for two years before moving into a multi-family property?

In your opinion which is the best target fund to choose in IRA Roth?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

@Partners - how much money do you need to invest I to the firm to get your partner share?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

Thoughts on the new Chase Freedom Flex?

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

I am potentially able to get in front of 4-5 of the “right people” to potentially take over some 401k plans. I have never ventured into this area. Any suggestions on where to start for...continued

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

How much are you contributing to your 401k?

I’ve accepted I suck at work. And I don’t know what people get from humiliating or criticizing you to the point you think you are worthless.

Hi fishes,
What is the avg salary that I can expect in Morgan Stanley at Manager level?
Current CTC- 15 LPA
Yoe- 3.2 + MBA full time
Domain- Cyber security and risk advisory

What’s the difference between FAAS and FDD? Also which one pay better?

Planning to travel during Thanksgiving (super late in planning as usual) any fun recos- travelling from Chicago have boatloads of AA and Bonvoy points to burn. 7-8 nights

AMZN buy more or hold?

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

What’s the difference between a corporate financial analyst versus a financial analyst at BAH? I’m assuming the corporate position is an internal role; is that generally viewed as a tier below anyone client facing in terms of salary and career progression?

Hi BCG 🐠, anyone from the lifesciences or MedTech sectors willing to chat about making the jump to BCG from a boutique lifesciences strategy shop?

Hi BCG fish! I just signed my offer letter to join starting next year in Brazil. Any tips on how to prepare? And who makes staffing decisions? I want to start networking with people globally to help me get staffed on projects related to my industries of interest.

Is office going to open and be compulsory to attend from Jan?

What is the in-house interview timeline these days?

Relationship Banker(RB) does JPMorgan Chase Bank offer yearly raises in these roles?

If you’re a fourth year in biglaw, what responsibilities are you given in m&a? I feel like I still haven’t had a ton of opportunities working on purchase agreements (and mostly just take the lead on ancillary work streams) and I’m afraid I’m falling behind others in my class year.

Devops openings please. 1.5 yrs of experience

Hello Fishes - Got an offer from HCL (35L) and Atos (34L). Benefits will be near to same except permanent work from home in Atos due to my home location (Delhi) and HCL hybrid. Joining soon, Please suggest which one should I select Atos or HCL?

This is a question about friendships. Two friends got into a really bad fight this past weekend. They have each asked me to hang out this weekend. What do I do? I don’t want to have to choose sides. One is a friend I’ve known a little longer and has been a good friend and so she would feel betrayed and angry if she knew I were still friends with her now-enemy. The other I’ve known less longer, but we seem more compatible. Advice??

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Can I get a commercial loan without 25% down?

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?

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

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

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?

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

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

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

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

Is it common for HOA to ask you to prove your car registration is up to date?

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

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

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!

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.