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How to Fund Your First Rental (Rental Property Loans 101) (Rookie Reply)
2025/6/20
Real Estate Rookie
A
Aaron
A
Ashley Kerr
T
Tony J. Robinson
无
无发言人
Ashley Kerr: 首先，我建议大家审视自己的财务状况，看看有多少现金可以用于投资房地产。然后，我会考虑传统的融资方式，比如从银行贷款。当然，还有一些创造性的融资方式，比如卖方融资。在卖方融资中，卖方会持有抵押贷款，而不是一次性获得全部款项。这可以让你更灵活地设置付款方式，比如低利率或长期摊销。
Tony J. Robinson: 我认为，对于新手来说，最重要的是与尽可能多的潜在融资选择进行沟通。每个贷款人都有略微不同的产品，所以不要只选择第一个遇到的贷款人。可以考虑传统银行、小型地方银行或信用社、硬钱贷款人和私人贷款人。此外，我建议大家使用ChatGPT来快速找到本地的银行和信用社列表。在联系银行时，告诉他们你的目标，让他们推荐最适合你的贷款产品。
Deep Dive
This chapter explores various financing options for first-time real estate investors, including traditional bank loans, hard money lenders, private money lenders, mortgage brokers, and seller financing. It emphasizes the importance of exploring multiple options and understanding the nuances of each.
- Traditional financing involves 20-25% down payment from a bank.
- Hard money lenders offer quicker but more expensive loans.
- Private money lenders are individual investors who lend for better returns.
- Mortgage brokers shop loans for you across different lenders.
- Seller financing allows the seller to hold the mortgage, offering flexibility in payment structures.
Shownotes Transcript