{"id":7118,"date":"2015-06-18T10:00:31","date_gmt":"2015-06-18T17:00:31","guid":{"rendered":"http:\/\/add-vodka.com\/?p=7118"},"modified":"2016-06-23T09:01:52","modified_gmt":"2016-06-23T16:01:52","slug":"a-beginners-guide-to-investing-in-real-estate","status":"publish","type":"post","link":"https:\/\/add-vodka.com\/a-beginners-guide-to-investing-in-real-estate\/","title":{"rendered":"A Beginner’s Guide to Investing in Real Estate"},"content":{"rendered":"

\"refi\"<\/a><\/b>Housing values are rising<\/a>,<\/span> so this is a potentially good time to take your first venture into real estate investing.\u00a0 <\/span><\/span><\/p>\n

Advice on how to invest can be found from a variety of sources, including online investment websites and financial advisors such as JP Morgan wealth management<\/span>. Below are a few nuggets of advice on how to make the most of your foray into the housing market. <\/span><\/p>\n

What kind of property do you want? <\/b><\/span><\/h2>\n

Do you want to buy a starter home? Are you looking for a condo? How about an investment property? Determining your goals is an essential first step. <\/span><\/p>\n

If you are seeking your first home, the next step is to determine whether you are looking for a single-family home or an apartment. After this, you need to ask yourself how much of a risk you are willing to take. Do you want to pay lower prices for a fixer upper<\/span>? Or do you want a property in a hot real estate market such as San Francisco or New York? <\/span><\/p>\n

Is your credit good? <\/b><\/span><\/h2>\n

Whether applying for a personal loan or otherwise, your credit score is always one of the first things lenders will look at. Generally, in order to get a loan for investment property, you\u2019ll need a strong credit score of over 740<\/span><\/a> and maintain low levels of debt in comparison to your income. <\/span><\/p>\n

However, even if your credit score doesn\u2019t measure up, you still may be able to obtain a low-interest loan by paying extra fees such as a bigger down payment. If you\u2019re looking to buy a home as your personal residence, the standards will be lower, and there are federal programs which can help you out if your credit score isn\u2019t up to par. <\/span><\/p>\n

How much down payment can you afford? <\/b><\/span><\/h2>\n

If you\u2019re buying your own home, a down payment of 20 percent is advisable to receive a standard loan. If you want a lower interest rate, it\u2019s best to pay even more up front, even up to 25 percent. <\/span><\/p>\n

However, if you\u2019re looking to buy your own home and can\u2019t afford 20 percent down, there are government programs<\/span> which help out borrowers who can only afford minimal down payments. Your best bet though is to start saving as much as you can for your down payment when you first decide you want to become a homeowner. <\/span><\/p>\n

Look out for the little things<\/b><\/span><\/h2>\n

When you\u2019re looking to buy real estate, don\u2019t discount how much it will cost. In addition to the down payment and monthly mortgage, you\u2019ll have to pony up closing costs, property taxes, insurance fees, and costs for repairs. This is in addition to costs for water, lawyer fees, utilities, and various other expenses. <\/span><\/p>\n

It\u2019s wise to determine to factor these expenses into your total costs before you even start looking for specific properties. <\/span><\/p>\n

Investing for the long haul <\/b><\/span><\/h2>\n

Real estate investments are a solid way to start building wealth. Financial advisors and wealth management companies such as JP Morgan wealth management can help you get there. <\/span><\/p>\n

Planning and research go a long way to ensuring that you purchase the right property at the best rates and that you ultimately turn a profit from your real estate. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Housing values are rising, so this is a potentially good time to take your first venture into real estate investing.\u00a0 Advice on how to invest can be found from a variety of sources, including online investment websites and financial advisors such as JP Morgan wealth management. Below are a few nuggets of advice on how …<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240],"tags":[254,286],"yoast_head":"\nA Beginner's Guide to Investing in Real Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/add-vodka.com\/a-beginners-guide-to-investing-in-real-estate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Beginner's Guide to Investing in Real Estate\" \/>\n<meta property=\"og:description\" content=\"Housing values are rising, so this is a potentially good time to take your first venture into real estate investing.\u00a0 Advice on how to invest can be found from a variety of sources, including online investment websites and financial advisors such as JP Morgan wealth management. 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