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How to Save for Your First Rental Property in 2025 (Starting from Zero!)

2024/12/4

Real Estate Rookie

AI Deep Dive AI Chapters Transcript

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Ashley

Mindy Jensen

Tony

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Ashley和Tony介绍了本期节目的主题：如何从零开始攒钱购买首套出租房，并邀请了个人理财专家Mindy Jensen参与讨论。 Mindy Jensen强调，投资房地产需要资金储备，并要有应急预案以应对意外开支。她建议在投资前，需要了解自己的收入、债务、投资策略和支出情况，并诚实地评估自己的财务状况，找出可以削减的额外支出。她推荐使用Qube Money等应用程序来帮助用户更好地控制支出。 Mindy Jensen建议，即使现在没有足够的钱，也可以先联系房地产经纪人了解当地市场行情，为未来的投资做准备。她还建议，可以考虑支付较低的首付比例并支付PMI，或者通过房屋租赁（House Hacking）来降低首付比例。购买房产的费用不仅仅包括首付，还包括其他一些费用，例如产权保险、过户费、房屋检查费和评估费等。她建议与贷款经纪人合作，以便更好地了解贷款流程和相关费用。 Mindy Jensen还分享了一些增加收入的方法，例如通过兼职或副业来增加收入，并推荐了一些低成本的创业项目。她建议，要评估自己的支出是否与价值观相符，并考虑削减不必要的支出。在投资房地产之前，Mindy Jensen建议考虑其他投资途径，例如股票、罗斯IRA、健康储蓄账户（HSA）和自导式个人退休账户（Solo 401k）等。她详细解释了这些账户的优势和税收影响，并建议根据个人情况选择合适的投资方式。 Mindy Jensen还讨论了在投资房地产之前是否应该先偿还个人债务的问题。她认为，这取决于个人的财务状况和投资策略。如果理财能力较弱，建议先偿还债务；如果理财能力较强，可以边投资边偿还债务。她还分享了一些成功案例，说明了如何通过合理的投资策略来实现财务自由。最后，Ashley和Tony总结了本期节目的内容，并感谢Mindy Jensen的参与。 Ashley和Tony主要负责节目的流程引导和嘉宾介绍，对节目的主题和内容进行了概括总结。 Tony在节目中提出了关于控制支出、增加收入以及投资策略等问题，引导Mindy Jensen进行更深入的讲解。 Mindy Jensen作为节目的主要嘉宾，提供了大量的个人理财建议和房地产投资策略，并分享了自身的经验和案例。她对各种投资渠道、税收影响以及债务管理等方面进行了详细的分析和解释。

Deep Dive

Chapters

Mindy Jensen emphasizes the importance of financial preparation, including having an emergency fund and understanding one's financial situation.

Need for a financial backup plan
Importance of knowing income, expenses, debts, and investments
Potential hidden expenses in real estate investments

Shownotes Transcript

Do you want to buy a rental property) in 2025 but fear money could get in the way? Putting 15%-20% down is a huge hurdle for new investors, but there are several strategies you can use to limit your expenses, grow your income, and even** put LESS money down**. If you want to know **how to save for a **down payment) as quickly as possible, you need these money-saving tips!

Welcome back to the Real Estate Rookie podcast! Before you can invest in real estate), you need to lay a solid financial foundation, and today, personal finance expert, master live-in flipper), and co-host of the BiggerPockets Money podcast), Mindy Jensen, joins the show to weigh in on this crucial topic. Do you have your spending in check? Are you finding ways to grow your income? How’s your credit score) looking?

Whether you’re starting from scratch or looking to level up your finances, we’ll share some actionable steps you can take toward buying property in 2025. We’ll also talk about ways to leverage your retirement accounts to buy real estate, whether you should pay down debt)** before investing**, and other investments (that aren’t real estate) that could help you build wealth!

In This Episode We Cover:

ow to go from ZERO dollars saved to a full down payment for a rental property

Whether you should pay off your debt *before *investing in real estate

Creative ways to grow your income so that you can save money) faster

How to avoid a 20% down payment when buying your first property

Leveraging your retirement accounts to buy passive real estate investments)

How to build wealth with other investment vehicles (beyond real estate)

And **So **Much More!

Links from the Show

Ashley's BiggerPockets Profile)

Tony's BiggerPokckets Profile)

Join BiggerPockets for FREE)