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I'm two years out from retirement and still have 6 years left on my mortgage which is $2950/month with a balance around $140k. Rate is 2.125%. I have the funds to easily pay this off without dire effe...
In the multifamily real estate market, the promise of profit often takes center stage, overshadowing the critical consideration of risk. ... Read more...
Before we get to today’s post, I want to announce the winner of last week’s book contest. After randomizing the entries (I really enjoyed reading all the amazing 180+ comments! Thank you a...
By Dr. Hamik Martirosyan It was the best of times. It was the worst of times. It was the sponsors with conservative leverage and fixed-rate loans. It was the sponsors with all variable loans and high ...
Have you thought about getting a mortgage for your home in retirement? If so, have you strategized how you would pay it off? In this episode, we explore Scott’s question about pursuing a mortgag...
You may feel like a mortgage prisoner, but your options may be more doable than you think....
No, but here’s what we learned. Writing a will can improve the transmission of wealth across generations, by preventing the dissipation of assets such as a family home when divided among multipl...
Contrary to popular belief, the Federal Reserve does not exert complete control over mortgage rates. Instead, it influences them, with the bond market determining the subsequent course of action. The ...
Recently, I received a capital distribution from a private real estate fund, and it couldn't have come at a better time. The experience brought me both joy and relief, prompting me to share it in the ...
We (M 65, F 59 both still lol working and plan to along as possible) own 3 homes and plan to sell two of them to partially fund our retirement. We’ll sell home #1 and bank the $500K tax free cap...
What is private credit and where does it fit in your investment portfolio? At age 60, Hope is tired of working and she’s hoping to retire in 2-3 years. Should she factor home equity into her ret...
For those of us who have a home mortgage, paying it off may not be an option. Either you lack sufficient cash, or retiring the mortgage early would leave you cash poor and vulnerable. Even for those o...
Who stands to gain the most from the settlement reached with the National Association of Realtors regarding commission price collusion? The clear beneficiaries are residential real estate investors an...
While going through my reader case queue, this one caught my attention. This reader about to give birth and it immediately took me back to my labour and first months with Little Matchstick. Wow, time ...
[Editor's Note: If you’re looking to carve out your financial freedom so you can practice medicine exactly how you want, make sure to sign up for the virtual Physician Freedom Summit March 7-9. ...
By Dr. Jim Dahle, WCI Founder Housing is unaffordable. This is the new chief complaint of our society. It used to be that healthcare was unaffordable. That problem wasn't fixed; it's just that the hou...
By Dr. Jim Dahle, WCI Founder I spent some time a couple of years ago thinking about and discussing real estate lending funds and I thought it might be useful to revisit the topic today and share a fe...
Hi, I plan to retire in 1-4 years but more than likely towards the higher end with my Son just starting college. His expenses are covered in a 529 but ya never know…and I like (on most days) my...
2023 was a tough year for commercial real estate. The Fed raised the interest rate 11 times and the cost of borrowing money increased tremendously. Commercial developers had a hard time getting reason...
In this episode, I interview Ben Miller, the CEO of Fundrise, discussing his revised perspective on the real estate market for 2024 and beyond. The year 2023 posed challenges for institutional real es...
One of our listeners actually has a better mortgage rate than me! However, as they begin to test their retirement budget they have found that the mortgage payment leaves that budget a bit tight. So th...
In my post, the percentage of homeowners who pay cash, a reader asked my opinion on having home insurance for paid-off properties. Paid off properties include a property you purchased with all cash or...
Now that I've published the 2024 S&P 500 predictions, let's look at the 2024 housing market predictions by various industry experts. The forecast for 2024 home prices ranges from -1.7% to +4.1%. R...
Should Brian in Binghamton, New York pay off his mortgage for a guaranteed 6% return? How bad did Steve in Pittsburgh screw up his retirement, and can he afford to buy a new house away from his a-hole...
The 2023 real estate crash isn’t here yet, and we have a great guest article from our good friend Dr. ... Read more...
If you have a mortgage, having ample life insurance coverage is critical for protecting your family and home. But there is more than one way to purchase life insurance that protects what is likely you...
If you are curious how attorney Mike Ketchmark and his team were able to win a landmark $1.8 billion class-action lawsuit on price fixing against the National Association of Realtors, Keller Williams,...
How it Makes Sense to Sell Real Estate in the US and Buy or Rent Real Estate in Mexico...
Selling bonds to buy real estate is a much easier decision to make than selling stocks to buy real estate. Real estate acts like a bond plus investment because bonds have more similarities to real est...
Note: Winners of last week’s book contest will be announced at the end of this post A few weeks ago, we posted a reader case Can’t Work Because of Health Issues and Worried, in which our r...
In today’s ever-evolving real estate landscape, investors are met with a mix of optimism and skepticism. There’s no denying the ... Read more...
As a real estate investor since 2003, I've been disappointed by the real estate buying and selling process for a long time. While transaction costs have declined to zero or near zero for every industr...
My daughter is about to get married again and she is asking me to help with the wedding. I don't mind doing it again but her fiance was asking about whether we could take out a reverse mortgage. He sa...
Found the perfect for us small (2 bedroom/2 bath) retirement home (rural) and bought it on the equity of our as yet still unsold Urban 4 bd-rm/3 bath and moved. Old house has been on the market now fo...
When is the best time to buy a house? As a real estate investor for over 20 years, I have bought houses through many cycles. I bought houses when interest rates were in the 7s in the early 2000s. I bo...
So many people assume they need a real estate agent. But have you ever thought, “Do I need a real estate agent to buy a house?” The short answer to that question is “no.” While...
By Dr. Peter Kim of Passive Income MD, WCI Network Partner Have you ever found yourself stuck in analysis paralysis? That feeling of being trapped in your own head, overthinking and over-analyzing thi...
When you go to a bank to get a mortgage in Canada, chances are that the mortgage interest rate that is used to qualify your mortgage and the rate you actually pay will differ. The reason for this has ...
The mortgage interest deduction is a positive benefit for homeowners. This itemized deduction allows homeowners to subtract mortgage interest from their taxable income, thereby lowering the amount of ...
By co-signing a mortgage in Canada, you can help a child or other close family member who may be having difficulty obtaining a mortgage on their own. However, there are risks associated with co-signin...
October 11, 2023 — OK, so you are thinking about your dream home for retirement. Maybe you know where you would like to retire (region, state, or even town) and the lifestyle you want to pursue....
Housing affordability is at or near an all-time low and the Fed is partly to blame due to its aggressive rate hikes in such a short time frame. The Federal government is also partly to blame due to ex...
Today, we are answering more of your real estate questions. We discuss if it is a good idea to have your rental properties in an LLC, if you can claim a loss on US taxes for an international property,...
Many Canadian homeowners have wondered if mortgage interest is tax deductible. Chances are, they’ve heard that their neighbours to the south can claim their mortgage interest (it’s true). ...
[Editor's Note: The vast majority of the world’s millionaires have created wealth by investing in real estate. The White Coat Investor wants to show you how that’s possible for you. That&r...
I'm still working but on the verge of retirement. In an effort to eliminate monthly expenses, I'm eying my 401k, which is sitting at a 450k balance to pay off my first and only home loan. It has a sim...
It was suggested to me that I look into becoming a real estate professional for tax purposes. From what I've read, this is a special designation on tax returns if the tax payer performs more than 750 ...
Buying real estate with someone other than a spouse can be a costly mistake. A cohabitation agreement will make it easier if the relationship goes south....
A mortgage broker helps homeowners by researching loans and negotiating with lenders. Here is a closer look at eight of the top reasons to work with a broker to obtain a mortgage. 1. Save Time and Ene...
Recently, we compared two similar private real estate funds from Trion and 37th Parallel. We’ll continue in that tradition today ... Read more...