Invertir en bienes raíces Texas requiere capital.
A menudo, los inversores primerizos utilizan su propio dinero para invertir primero. Esto generalmente funciona para comprar un par de propiedades de forma gratuita, pero pronto, la mayoría de las personas se quedan sin su propio capital … lo que significa que tienen que dejar de comprar bienes inmuebles o tienen que descubrir cómo comprar más bienes inmuebles. sin usar su propio dinero.
En esta publicación de blog, compartiremos varias formas en que puede financiar su próxima propiedad de inversión.
Cómo obtener financiación de propiedades de inversión en Houston Texas …
Hay varias formas de obtener dinero para comprar una propiedad de inversión en Houston. Aquí tienes algunas de tus opciones:
1. Bancos tradicionales e instituciones de crédito
Una forma de financiar su próxima inversión es pedir dinero prestado a través de un banco o institución de crédito. Si tiene buen crédito y suficiente dinero para el pago inicial, esta puede ser una forma efectiva de adquirir más propiedades, ¡potencialmente varias propiedades más!
Deberá asegurarse de que su puntaje de crédito esté en buena forma, así que asegúrese de pagar sus deudas a tiempo y pagarlas en su totalidad regularmente para demostrar un historial de buena gestión crediticia. Una vez que acumule un buen crédito, las instituciones financieras estarán dispuestas a prestarle y usted puede salir y adquirir propiedades.
Sin embargo, en algún momento, su relación deuda-ingreso podría exceder el deseo de un banco de prestarle, una vez que tenga un cierto número de propiedades en propiedad. Cuando esto sucede, es hora de recurrir a otras fuentes para financiar sus inversiones inmobiliarias.
2. Autofinanciamiento
Una forma muy inteligente de financiar su inversión inmobiliaria es pedir prestado contra sus inversiones existentes y usar ese dinero para comprar nuevas inversiones.
For example, if you own a couple of properties and they have some equity in them, why not borrow against them (by refinancing them or by taking out a home equity line of credit) and using that money to acquire more properties. This is the power of leverage at work in your investments!
Of course you’ll want to be careful that your debt servicing payments are not more than the income you earn from your new acquisitions but there are investors who build up a large portfolio just with their own credit and this self-financing strategy!
3. Private Lending
Another way to finance your real estate investment in Houston is to use a private lender.
Private lending is when another investor lends you their money. You pay them back, just like you would pay back a bank; the only difference is: private lenders don’t always look at your credit score; they’re often more interested in the investment itself and they’ll decide how much to lend you and what interest rate to charge based on their assessment of the property.
This is a very powerful kind of financing because it’s win/win: You win by getting the money you need to do deals; the private lender wins because they want to invest in real estate and have the money to do so but don’t have the time or desire to do the work themselves.
If you are a private lender who wants to invest in real estate without the effort of doing the work yourself, be sure to connect with us at 281-886-8644 — we can hook you up with some investors who are looking for money for their deals!
4. Seller Financing
Another great way to finance real estate investments is to use seller financing. It has become a bit more difficult with new federal regulations… but it can be done.
Seller financing is where you work with the seller themselves who will sell the property to you… but instead of getting a lump sum for the property, they simply take ongoing payments until it’s all paid off.
“Newbie investors” are sometimes surprised that this method even exists but sellers like it because they get the cash flow without the headache of property ownership (plus their risk is minimized because if you fail to pay, the title of the property reverts back to them). This is another win/win deals.
How will you finance your next Houston real estate investment?
With so many options to choose from, how will you finance your next real estate investment? Choose from these four powerful financing strategies and mix-and-match them for the best result for you!
If you’re eager to invest and just need deals or money to help you get going, just click the link below and fill out the short form to get started. We’d love to help you build your investment portfolio!
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