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Updated over 5 years ago on . Most recent reply

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James Cress
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Creative Real Estate Financing

Can i buy a house for 25k and have equity if its valued at 50k?

James Cress
Posted

Im thinking about investing in a 25k single family home thats actually valued at 57k. Will i instantly have 25k usable equity?

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Kyle J.
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  • from Northern, CA
  • Member since Jun 14, 2012
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Kyle J.'s profile image
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Kyle J.
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  • from Northern, CA
  • Member since Jun 14, 2012
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Kyle J.
  • Rental Property Investor
  • Northern, CA
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Kyle J.
  • Rental Property Investor
  • Northern, CA
Replied

No for two reasons. #1 - Most lenders will not loan at 100% LTV so you wouldn't be able to use the full $32k in equity that you may have. And #2 - Most lenders will require some "seasoning" period of ownership (usually at least 6 months), especially if you're looking to use a value more than double what you purchased it at.

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