Thoughts on refinancing a $430k 30-year loan from a 7.75% to 6.75% interest rate? I’m unsure if the market will change enough to wait it out or refi now. I’m with Rocket Mortgage. 830 credit score when I bought in Sept 2023 and 710 now. Though I also have another rental property at 3.75% interest from 2018. Thank you in advance!

Folks - anyone purchase or lease a car under their LLC? If so, advantages and disadvantages of this move?

I feel like there are more people engaging on professional networking platforms (like this one) right now. I'm wondering what will happen when all goes back to normal. Do you think people will still stay this connected?

Does PHR certification help in India, as this is globally recognised how much valuable is this currently in indian job market.

Do we got some good offers or its another certificate just to add to CV after so much of investment & time I don't want to get this wasted !!

Need suggestions ??

Anybody have a mba consultant/consulting company they would highly recommend?

Anyone here tryna go into impact investing?

Which are the best magazines for our industry? Creativity? Creative Review? Clio Muse?

Does anyone else find it absolutely hysterical that people group MBB/FAANG/PE/VC for the prestige-oriented folks and they never include BB IB 🤣

When will the hike letter be released ?
Will the hike be reflected in Nov salary or in dec salary ?
I would like to know avg expected hike for career level 11

To those who divorced or called off the engagement, did you take the ring back? And if so, what did you do with it?

What is the lateral hire process like?

Is 150 billable hours per month little/average/a lot?

Please suggest what is the work exposure like in KGS - FDD consultant role?

Must-have features of a coffee shop where you’d work from every day?

I was hired to work on one account as the only writer. Told they’re handing me another account (or they may hire another writer). I need and want more responsibility and $$. How to negotiate??

Can I get multiple opinions on Strategy&'s ESV digital transformation group? I'm hearing conflicting background info based on search function.

Interested in things specific to ESV digital transformation:
-Technologies to be proficient in (i'm focused on SC/post-MBA)
-Are most groups traveling right now, or stuck at home? Or is it hybrid?
-Avg length of project (e.g. 3 months?) as well as avg hrs worked per week (including travel, pitching/dev, and other nonchargeables)

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Is there any openings for informatica developer role.. please let me know. For 2.6yr experience

Has anyone done an MBA program at university of phoenix? Pros or cons?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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

What, if any, were your main complaints?

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”.

What percentage of homes get sold without getting listed on the mls (off market deals)? Is it usually worth it for the buyer or seller?

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

Any one familiar with Ocala FL. Does it flood? Would you send your children to the public schools? Is it a good place to live and raise a family?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

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?

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.

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Do you thank your tenants for paying the rent? A quick thank you text?

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

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

Can I get a commercial loan without 25% down?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged