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Getbig Main Boards => Gossip & Opinions => Topic started by: Thong Maniac on February 29, 2016, 07:35:11 PM

Title: house investment question
Post by: Thong Maniac on February 29, 2016, 07:35:11 PM
billionaire getbbigers needed here:

say you got 100k in da bank

you own a home, but are looking to buy a new one.

do you:

sell your house and pocket the profit (its gone up about 100k since buying), and use that as your down payment on the new house?

or, buy the new one with ur bank acct money for the down payment and make your current house a rental property (can probably rent it with a 800 dollar profit, monthly).

honestly, im leaning to renting it out, but giving up half of cash nest egg is hard to stomache
Title: Re: house investment question
Post by: Marty Champions on February 29, 2016, 08:15:05 PM
billionaire getbbigers needed here:

say you got 100k in da bank

you own a home, but are looking to buy a new one.

do you:

sell your house and pocket the profit (its gone up about 100k since buying), and use that as your down payment on the new house?

or, buy the new one with ur bank acct money for the down payment and make your current house a rental property (can probably rent it with a 800 dollar profit, monthly).

honestly, im leaning to renting it out, but giving up half of cash nest egg is hard to stomache
u dont give enuff details

but if u sell the house ,every dollar made must go into the purchase of da new house 2 avoid an extra tax called capital gains tax , its 25%
Title: Re: house investment question
Post by: Marty Champions on February 29, 2016, 08:17:10 PM
you are penalized if u dont invest every dollar from the sale , another shitty law
Title: Re: house investment question
Post by: Slik on February 29, 2016, 09:49:07 PM
Never touch your nest egg
Title: Re: house investment question
Post by: Coach is Back! on February 29, 2016, 10:13:12 PM
billionaire getbbigers needed here:

say you got 100k in da bank

you own a home, but are looking to buy a new one.

do you:

sell your house and pocket the profit (its gone up about 100k since buying), and use that as your down payment on the new house?

or, buy the new one with ur bank acct money for the down payment and make your current house a rental property (can probably rent it with a 800 dollar profit, monthly).

honestly, im leaning to renting it out, but giving up half of cash nest egg is hard to stomache

What silk said. But other than that do you have other debt? (CC, car payments, student loans, etc)
Title: Re: house investment question
Post by: hardgainerj on February 29, 2016, 10:14:39 PM
house is an expense...
Title: Re: house investment question
Post by: Coach is Back! on February 29, 2016, 10:14:49 PM
http://www.daveramsey.com/home/
Title: Re: house investment question
Post by: Coach is Back! on February 29, 2016, 10:15:52 PM
house is an expense...

Didn't realize your rented apartment will gain equity.
Title: Re: house investment question
Post by: calfzilla on February 29, 2016, 10:16:36 PM
First option. Would never use a house as a rental unless I had it 100% paid off. You need to calculate risk.
Title: Re: house investment question
Post by: basil on February 29, 2016, 10:44:31 PM
billionaire getbbigers needed here:

say you got 100k in da bank

you own a home, but are looking to buy a new one.

do you:

sell your house and pocket the profit (its gone up about 100k since buying), and use that as your down payment on the new house?

or, buy the new one with ur bank acct money for the down payment and make your current house a rental property (can probably rent it with a 800 dollar profit, monthly).

honestly, im leaning to renting it out, but giving up half of cash nest egg is hard to stomache


Don't bother with single unit rentals unless you live in an upscale area.  Use what you make on the sale of your current place (less your required down payment on the new property) and put it toward a down payment on a multi-unit rental.  That's if you want to get into rental properties. 
Title: Re: house investment question
Post by: Powerlift66 on March 01, 2016, 12:55:47 AM

1. Dont go on muscle forums and ask financial advices.
2. Dont touch the nest egg is right, and don't acquire any more debt.

HTH
Title: Re: house investment question
Post by: Tapeworm on March 01, 2016, 01:07:57 AM
Don't buy anything else until you own everything you've got.  Zero debt is the name of the game.
Title: Re: house investment question
Post by: Henda on March 01, 2016, 01:15:04 AM
If choose the rental option, I rent out my first house which pays the mortgage on that property and 75% of the mortgage payment on my home and is better than any pension plan.
Title: Re: house investment question
Post by: FitnessFrenzy on March 01, 2016, 02:48:27 AM
u dont give enuff details

but if u sell the house ,every dollar made must go into the purchase of da new house 2 avoid an extra tax called capital gains tax , its 25%

you sound kind of drug free today. Good job, Johnnayy  ;)
Title: Re: house investment question
Post by: _aj_ on March 01, 2016, 03:16:05 AM
Being a landlord blows in the best of circumstances. If you haven't done it before, caveat emptor.
Title: Re: house investment question
Post by: Thong Maniac on March 01, 2016, 04:24:36 AM
gotta say the responses here are almost exact opposite of other sites i read

i suppose we have unique things that make the rental appealing
-upscale urban area in VA, we got in very cheap and home value went up alot
-two incomes
-proximity to would-be rental is very close, so no property mgmnt needs
-yes we do not own the house we would be selling. no other debt though
-rental price keeps college kids and riff raff out, so i dont expect much issue there (i do worry about how my house gets treated).

Title: Re: house investment question
Post by: Straw Man on March 01, 2016, 10:46:02 AM
gotta say the responses here are almost exact opposite of other sites i read

i suppose we have unique things that make the rental appealing
-upscale urban area in VA, we got in very cheap and home value went up alot
-two incomes
-proximity to would-be rental is very close, so no property mgmnt needs
-yes we do not own the house we would be selling. no other debt though
-rental price keeps college kids and riff raff out, so i dont expect much issue there (i do worry about how my house gets treated).



rent the current home and find a way to put as little down on the new home (based on the payment you can afford)

Title: Re: house investment question
Post by: Coffeed on March 01, 2016, 11:03:51 AM
Sell both and buy gold and oil.

Two Getbig staples that are the backbone of any respectable high net worth individual.
Title: Re: house investment question
Post by: Mr Anabolic on March 01, 2016, 11:28:56 AM
Sell both and buy gold and oil.

Two Getbig staples that are the backbone of any respectable high net worth individual.

Exactly.  Real estate is in another bubble that will burst very soon.
Title: Re: house investment question
Post by: Twaddle on March 05, 2016, 10:43:36 AM
Exactly.  Real estate is in another bubble that will burst very soon.

Very soon?  How soon is very soon?   ???