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cover of episode Real Estate vs. Stocks: Which Will Make You MORE Money? (Rookie Reply)

Real Estate vs. Stocks: Which Will Make You MORE Money? (Rookie Reply)

2025/2/21
logo of podcast Real Estate Rookie

Real Estate Rookie

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A
Ashley Kerr
M
Mindy Jensen
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Ashley Kerr: 我和Mindy将讨论房地产投资和股票投资的策略,并解答听众关于信用修复和投资策略的问题。 我们收到了一个关于信用修复的提问,提问者希望提高信用评分以获得抵押贷款资格。Mindy给出了信用评分的五个构成因素,并建议提问者与贷款机构沟通,寻求建议。 我们还收到了一个关于房地产投资和股票投资选择的提问。Mindy建议提问者根据自身情况,权衡房产投资和股票投资的利弊,并建议其利用现有资源,例如券商账户保证金贷款或401k贷款,来筹集房产首付资金。 最后,我们讨论了一个关于房产投资失败的案例。Mindy建议提问者评估房产本身,并考虑多种退出策略,例如长期租赁、中期租赁或短期租赁,或与贷款机构协商,寻求灵活的还款方案。 Mindy Jensen: 修复信用需要时间和耐心,信用评分公司会提取至少过去12个月的数据。建议选择信誉良好的信用修复公司,并关注信用评分的五个构成因素:还款记录、欠款金额、信用历史长度、新信用和信用组合。 关于房地产投资和股票投资的选择,我建议根据个人情况和风险承受能力做出决定。年轻的投资者可以考虑罗斯401(k)账户,因为其收益免税。同时,建议保持多元化的投资组合,避免“中产阶级陷阱”。 对于房产投资失败的案例,我建议首先评估房产本身,并考虑多种退出策略,例如长期租赁、中期租赁或短期租赁,或与贷款机构协商,寻求灵活的还款方案。在进行房产投资前,应该制定多种退出策略,并有足够的资金储备来应对意外情况。

Deep Dive

Shownotes Transcript

Should you **invest in **real estate or stocks) in 2025? What if you DON’T have to choose? Today, we’ll share how you can have the best of both worlds with strategies you’ve probably never heard about!

Welcome back to another Rookie Reply! Today, Ashley and guest cohost Mindy Jensen are answering more of your recent questions. First, what’s the best way to build credit) so you can **qualify for a **mortgage)? We’ll debate the legitimacy of credit repair companies and provide some crucial tips for **raising your **credit score).

Next, we’ll not only settle the real estate versus stocks debate but also show you some of the best ways to invest in both! Finally, sometimes deals go south, but this is why you need to have multiple investing strategies) up your sleeve. We’ll get creative and help an investor get out of a sticky situation!

Looking to invest? Need answers? Ask your question here)!

 

In This Episode We Cover:

Whether you should invest in real estate) or the** stock market **in 2025

Leveraging your brokerage and retirement accounts to buy a rental property)

The five factors that make up your credit score (and steps to improve them!)

The BEST financing options for those with less-than-perfect credit

Why you must have multiple exit strategies) for your investment property

And **So **Much More!

Links from the Show

Ashley's BiggerPockets Profile)

Tony's BiggerPockets Profile)

Join BiggerPockets for FREE)

Real Estate Rookie Facebook Group)

Real Estate Rookie YouTube)

Follow Real Estate Rookie on Instagram)

Get Your Financial House in Order with an Investor-Friendly Financial Planner)

Ask Your Question for a Future Rookie Reply)

Buy the Book “Recession-Proof Real Estate Investing”)

Sign Up for the Real Estate Rookie Newsletter)

Find an Investor-Friendly Agent in Your Area)

Real Estate vs. Stocks: What 145 Years of Returns Tells Us)

Connect with Mindy)

 

(00:00) Intro

(00:37) Building Credit 101

(08:42) Real Estate vs. Stocks

(23:16) Changing Your Strategy

(30:38) Connect with Mindy!

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/rookie-526)

Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected]). 

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