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Questions tagged [real-estate]

A tag for questions on real estate or property.

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7
votes
6answers
2k views

Does the growth of home value benefit from compound interest?

I read Investopia's definition and my take away is that compound interest applies to an investment that yields some return on a regular basis and that yield is reinvested in that instrument. If I have ...
0
votes
0answers
106 views

Building a house during times of economic upturn

Since 2008 the aftermath of the recession, the economic crisis has turned from recession into a rise and better economic times. In some places, in western european cities, this means housing prices ...
0
votes
2answers
230 views

Can you use a small business loan as the down payment on a house?

My wife owns a small business and is looking to purchase a barn or small warehouse to store some of her rental items. We are also looking to purchase a new home for our family. Can she acquire a loan ...
28
votes
7answers
12k views

Why would a rational buyer offer to buy with no conditions precedent?

Assume that the Canadian Reddit commenter beneath is rational. I corrected typos. As an investor, I have a tactic where I only buy houses via the listing realtor, and do not use my own. Why? ...
2
votes
0answers
48 views

Tax on inherited property [duplicate]

I am USA citizen and I want to sell my inherited property in India. If I bring that money to USA, do I need to pay taxes in USA?
0
votes
4answers
202 views

What do we know about elementary financial education at highly ranked schools at the pre-college and early college levels in the US?

Several answers and comments have postulated ignorance of the most basic financial features, for example, a total misapprehension of "marginal tax rate". See, for example, the comments under the ...
0
votes
0answers
180 views

How much will my property taxes go up after new construction

Here is the situation: This is in California My family's home was bought 10 years ago at $1,000,000, they are paying over $10,000 in taxes every year. The current market value of the home is around ...
5
votes
1answer
704 views

Too good to be true raffle

There's a raffle here which seems too good to be true: https://www.winapetloversdream.com.au/ It's a $59 entry fee for a $1m+ prize. I am particularly suspicious because there are no T&Cs ...
6
votes
2answers
2k views

Will there be more tax deductions if I put the house completely under my name, versus doing a joint ownership?

I currently live with my mother, and the house is under her name. However, I pay for the property tax (house paid off). In regards to property tax reductions. If I will be continuously paying the ...
4
votes
1answer
167 views

Capital gains on vacant land

My husband inherited vacant land when his mother died in 1990. His parents bought this property in 1946 if that makes any difference. We are selling it and am wondering what we will end up with after ...
3
votes
1answer
246 views

How high does the buy-to-rent ratio have to be to make renting cheaper over the long term?

As an example, San Francisco currently has an estimate buy-to-rent ratio of 30, which means it would take 30 years of rent to pay for purchasing the same piece of real estate. This supposedly means ...
2
votes
0answers
198 views

Is there a 1031 Exchange equivalent in Ireland?

I've recently been looking into buying real estate investments, & I've read about a 1031 Exchange in USA. Here is a definition I've found: Thanks to IRC Section 1031, a properly structured ...
4
votes
1answer
230 views

For how long do you need to commit to staying in one city to make purchasing a piece of real estate worth it?

I am considering purchasing a piece of real estate in a major metropolitan area in the US, to avoid spending money on rent. However I'm not sure if I want to stay in this city forever and might move ...
10
votes
7answers
4k views

Should one save up to purchase a house/condo or maximize their 401(k) first?

On the one hand, it seems like 401k with employee matching is one of the best investments you could possibly make. On the other hand, paying rent to a landlord is an ongoing loss compared to living in ...
2
votes
1answer
313 views

“Homeownership investment” company - what's the angle?

Today I received a mailing from Unison, which claims to be a "homeownership investment" company. Their sales pitch is that they grant a 0%-interest loan to homeowners in exchange for a partial equity ...
-1
votes
1answer
56 views

Taking out an SBI apartment mortgage loan in Chennai, India and transferring the money to the USA in dollars

I plan to take a mortgage loan on my apartment in Chennai from SBI and then transfer that money to the USA in dollars. Will I lose any money in the transaction like taxes, etc. ?
1
vote
1answer
124 views

When two valid methods used to determine step-up in value at death for real estate differ, can one freely choose the most advantageous?

I have been told that there are (at least) two methods to determine the value of real estate at death, for cost-basis step-up purposes: (1) the value given by an accredited appraiser (2) the value ...
3
votes
4answers
464 views

Does it make sense to invest in real-estate if you do not have any heir to your investments?

We are an expat couple (< 30 years old) currently living in Germany. We are wondering about the long term benefits of investing in real estate when we do not have a plan to have children of our own ...
57
votes
6answers
17k views

Will I lose my paid-in-full property?

I paid cash for the land I put a modular home on which I financed. My husband is terminally ill and I am afraid I will soon be foreclosed upon. Will I lose my free and clear land which has been paid ...
1
vote
1answer
159 views

Things to watch if buying properties in Europe at low prices under local government incentives

I have been seeing social media advertisements inviting investments in the way of buying houses in derelict or small and not-so-well-to-do towns. These advertise the price to buy as under $100 or 100 ...
7
votes
2answers
325 views

Is the seller of a property in the UK in a position to dictate what the buyer does with it?

I know very little about the housing market or mortgages (it's just not taught in school in the UK, whereas oxbow lakes and pathetic fallacy are), but within a year I should be able to get my foot on ...
7
votes
0answers
227 views

Paying for nursing home care: What is the relationship between Medicare and owned property?

This question is prompted by a comment in a question I asked previously regarding the finances of aging parents (assets include a small savings and some property). I will summarize the comment as ...
1
vote
0answers
100 views

Prepay mortgage

Let's say I want to prepay my entire mortgage and I have 22 years left in my 25 years mortgage. In this case the bank imposes a penalty which is the yearly interest for three months. My question is, ...
2
votes
1answer
191 views

Old Barn House: Hidden Costs?

Thank you in advance, I never thought about money twice before visiting this site! Background Info: Germany. I am in my mid 20s. My long term boyfriend and I make around 100k a year together. He ...
3
votes
3answers
260 views

What (and how hard) can I REALLY bargain when buying a new home through a builder?

I am about to buy a brand new home in the state of Texas. It should be ready in about 12 months. The home is being bought through a builder and therefore I have a few floor plan options (I can add or ...
0
votes
0answers
35 views

How does time impact the resale value of a fixed-term deed?

I own a property that I purchased from the previous owner. It is a 75-year deed with 35 years remaining. After 35 years, ownership reverts to the original landowner. I don't plan to sell for another ...
0
votes
0answers
19 views

California depreciation options for Rental house landscape

I can use Bonus depreciation (100% for 2018) on my federal taxes for my rental house landscape project, or depreciate it over 15 years. What are my options for California taxes, since they don't do ...
1
vote
2answers
102 views

Land purchase: documentation and must knows

I am thinking about buying a lake front lot of land near my home town in Texas. The area is incorporated, but there are very few built houses around it. I am thinking about buying it as an investment, ...
56
votes
10answers
15k views

Is it true that real estate prices mainly go up?

My father once told me that real estate was a good business because the population is always going up, therefore more housing is needed, and the space on earth remains the same, so house/apartment ...
3
votes
2answers
213 views

Why is it mandatory to depreciate a rental property?

I don't understand why an investor is forced to depreciate a rental property. In many cases (say for an investor with one rental unit only) the depreciation amount is less than the standard deduction ...
0
votes
3answers
168 views

How to find reliable trusted profitable passive income residing in Eastern Europe?

I would like to stop working and receive some passive income from anything that can generate income. I live and reside in Eastern Europe (Ukraine). I don't trust Ukrainian banks since they are not ...
2
votes
3answers
177 views

Currently no mortgage on house. How much of a home equity loan can i get -

I purchased home 2015 for 146,500 and have no mortgage currently on property. Are there equity or cash out loans available? I was told that having property paid in full hurts my chances to find ...
1
vote
1answer
382 views

Is a “Warranty Deed” the same as a “Bill of Sale”?

Context: I sold a rental property last year, and foolishly neglected to cancel the homeowner's insurance policy on it. (I thought the title company would handle this as part of the closing, at the ...
6
votes
2answers
246 views

Leasehold Pub— What happens at the end of the lease term?

Was hoping someone might explain how leaseholds come to an end, I’ve been googling for ages but seem no closer to finding an answer. Example: Leasehold 50,000 Annual rent 20,000 Free of tie lease 10 ...
0
votes
0answers
14 views

How is capital gain calculated in India for a house when it is constructed on a piece of land bought few years earlier?

I had bought a piece of land in 2003 and constructed the house in 2005. I am planning to sell now; how is capital gains calculate for this?
2
votes
1answer
155 views

What are the risks with investing in private real estate funds via Fundrise?

I recently discovered this real estate investment company, Fundrise, and after doing some research, I’m interested in investing with them. But I’m on the fence about the trustworthiness of their ...
0
votes
0answers
13 views

Property purchase Abroad. Tax deductions

I live in US. I purchased a couple properties a few years ago abroad. I did not take mortgage. I paid it from my savings account abroad. I heard we can claim tax deductions even for the past purchases ...
1
vote
2answers
165 views

Why do banks give loans instead of buying assets themselves?

There was asked a similar question why don't banks invest money in mutual funds or shares instead of giving personal loans It was about buying fonds and shares. Those are derivatives. Here is an ...
0
votes
0answers
31 views

Which is the best way to sell a house in Italy to a foreign investor?

I bought an apartment in Venice (Italy) in 2013 with my ex GF. The plan was to renovate it and move there. She broke up with me after some months so we have never had the chance to live there. The ...
1
vote
1answer
63 views

Federal and State Taxes on International Property as a Prize

https://www.writealetterwinahome.ca/ Recently, there has been a contest issued by Alla Wagner of Millarville, Alberta, Canada, where in lieu of selling her home (a difficult prospect at the present ...
0
votes
3answers
323 views

Is it a good time to buy a house now? [closed]

I saw a few houses, and decided to buy one of them. A condo originally priced 210,000, and they accepted my 193,000 offer. I'm a first time buyer, with zero experience and my agent helps me with ...
3
votes
4answers
600 views

Real Estate: Why does the maximum compound gain happen somewhere in the middle of the mortgage term?

I construct a spreadsheet to investigate when is the best time to pay off a house loan. In my model, there are two factors at work: The real estate appreciation rate, in this case I set it to 5% The ...
5
votes
2answers
533 views

REIT versus real estate: total yearly returns (when accounting for leverage)

Recently, I saw an article arguing that REITs performed better than traditional real estate (RE) in terms of total returns: Jussi Askola, Don't buy real estate, buy REITs instead, Seeking Alpha, ...
62
votes
8answers
19k views

Should I deplete my saving and buy a house with cash, or should I rent?

My wife and I are very frugal. We've been living abroad for several years and saved a decent amount of our salaries. We've decided to move back to the US this year. We've found a modest home that ...
0
votes
2answers
47 views

When I shop for a direct lender, will the credit checks that they may do be bad for my credit rating? [duplicate]

Is it bad for my credit rating each time a possible lender does a credit check on me? I need to shop for a direct lender in order to get the best rate for a first mortgage on a property I want to buy,...
15
votes
4answers
3k views

What are the practical implications of buying a house in a high Earthquake risk area?

I am purchasing a house in Indio California, that is described as being in an high risk Earthquake area. That sounds scary but the actual stats for the area are less so: Nearest Earthquake: 2.9 ...
2
votes
0answers
74 views

Tax on apartment purchased abroad

I live in the US and purchased an apartment abroad. I transferred 200,000 dollars directly to the seller, so I never opened a bank account abroad. My understanding is that, if no income is generated (...
2
votes
2answers
150 views

When buying a house in California, what inspections should you do?

I am in the process of buying a house in Indio, California In the event my offer is accepted, what type of inspections do I need to do. I am actually living in the UK (the property will be a short ...
0
votes
2answers
185 views

Buying strategies for foreclosure condos

I saw a foreclosure condo which seems upgraded by the bank. I really liked the place, but the price can be cheaper. Can we negotiate with the bank on such foreclosure houses? What are some ...
0
votes
1answer
85 views

Minimum rental yield for real estate

There are some German books: (Praxishandbuch Baufinanzierung Praxisleitfaden Immobilienanschaffung und Immobilienfinanzierung) about home financing, which mention that you shouldn't buy a property ...