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4+ Ways to Fix Negative Cash Flow (and When to Sell Instead) (Rookie Reply)

2025/2/7

Real Estate Rookie

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Ashley Kerr

Tony J. Robinson

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Ashley Kerr: 作为一名投资者,我建议在考虑下一步行动时,权衡个人偏好与财务收益。首先要明确的是,2022年购入的房产,通常在居住满一年后,银行便不能因你不住在该房产而要求提前偿还贷款。这意味着你可以将现有房产转为出租,同时保留原有的低利率贷款。在选择是继续居住并投资外州房产,还是购买另一处自住房产时,务必进行全面的财务分析。比较两种情况下五年后的资产净值、现金流,以及首付比例的差异。记住,投资外州房产可能需要支付20%至25%的首付,而购买第二套自住房产的首付可能低至3.5%或5%。此外,不要忽视建立新团队的时间成本,包括寻找房产经理、经纪人等。最终,选择应基于个人偏好和哪种方案能带来更大的财务收益。 Tony J. Robinson: 我认为房屋黑客是一种极佳的房地产投资入门方式,它兼顾了居住需求和投资收益。对于提问者而言,既然目前的生活成本很低,且单身,继续进行房屋黑客是理想的选择。可以考虑复制已成功的模式,每12到36个月将资金循环投入到新的房屋黑客项目中。例如,购买一套复式或多户住宅,逐步扩大投资组合。从财务角度来看,这种策略的风险较低,且能带来可观的现金流。当然,最终的决策还需基于全面的财务分析,但从表面上看,继续房屋黑客似乎是最佳路径。

Deep Dive

Shownotes Transcript

Does your rental property) have negative cash flow)? This doesn’t necessarily mean you bought a bad deal, though losing money probably *isn’t *what you signed up for. But not to worry—in today’s episode, we’ll share a few changes that could get you back in positive territory in no time!

Welcome back to another Rookie Reply! Today, we’re answering more questions from the BiggerPockets Forums). First up, we’ll get into house hacking)—the easiest way for a new investor to build a real estate portfolio)—and show you how to use this strategy to keep buying properties with low money down. Next, should you invest in Columbus, Ohio in 2025? This investing hotspot is drawing plenty of attention, but we’ll show you how to find other markets just like it! Finally, is your **Airbnb **giving you little or no cash flow? Tune in to learn how to plug the holes in your business, when to hold for appreciation), and when it might be wise to sell!