Buy and hold strategies with a 50/50 partner

Buy and hold strategies with a 50/50 partner

Virginia Beach, VA · Member since 2018 · 14 posts · 3 votes

Hello everyone! I'm looking for some advice from anyone who's had successful joint ventures on buy and hold investments with a partner who doesn't mind being a "silent partner" or hard money lender. I currently own a couple rentals already. So I have my feet wet. The other person wants to get in real estate, but doesn't want to take on a lot of the risk that I am willing to take on. Although, they are prepared to invest financially in order for some ROI. What are some of the better approaches we can take in the market for us both to capitalize on an investment and work out the legalities?

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Property Manager · Winston Salem, NC · Member since 2016 · 63 posts · 27 votes
6y

@Omaree G.I wouldn't do it. You already know that they are not willing to take the risk. It has happen to me and a couple other people I know. You are trying to grow. Don't seek help from someone that is not willing to take risk and who doesn't really have the money. Just remember when you started, there was money always going out but nothing coming in because the home was being fixed and then you had to wait some months before you made all of your money back. If he is on edge now it will get worse. Partner up never down. Some people have money but that doesn't mean that they have spare money to really invest. In life there are talkers and there are do'ers. There is always another way. 

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  • Real Estate Broker · Watertown, NY · Member since 2016 · 1k+ posts · 1k+ votes
    6y

    @Omaree G. - I'd try to talk them into strictly being a HML for the deal. It'll be less expensive for you and if they truly aren't contributing anything but the money then that should be a fair deal to them. You'll want to consult an attorney in your area for the specifics

  • Virginia Beach, VA · Member since 2018 · 14 posts · 3 votes
    6y

    @Michael Ablan thanks for the reply. My next question is, how would the return work for the HML on a buy and hold? To my knowledge, they also want to have ownership in the property. I will verify again, but if that's the case I told them they would be better acquiring them property on their own. If they solely just want rental income, that's a different story.

  • Real Estate Broker · Naples, FL · Member since 2013 · 9k+ posts · 6k+ votes
    6y

    No. An HML is not an equity partner. They are a LENDER placing a lien on the property to guarantee they will get paid.

  • Real Estate Broker · Naples, FL · Member since 2013 · 9k+ posts · 6k+ votes
    6y

    No. An HML is not an equity partner. They are a LENDER placing a lien on the property to guarantee they will get paid.

  • Virginia Beach, VA · Member since 2018 · 14 posts · 3 votes
    6y

    @John Thedford So can you explain to be exactly how that would work on a buy and hold?

  • Real Estate Broker · Naples, FL · Member since 2013 · 9k+ posts · 6k+ votes
    6y

    Borrowing from an HML is just like borrowing from a bank except the rates will probably be much higher.

  • Property Manager · Winston Salem, NC · Member since 2016 · 63 posts · 27 votes
    6y

    @Omaree G.I wouldn't do it. You already know that they are not willing to take the risk. It has happen to me and a couple other people I know. You are trying to grow. Don't seek help from someone that is not willing to take risk and who doesn't really have the money. Just remember when you started, there was money always going out but nothing coming in because the home was being fixed and then you had to wait some months before you made all of your money back. If he is on edge now it will get worse. Partner up never down. Some people have money but that doesn't mean that they have spare money to really invest. In life there are talkers and there are do'ers. There is always another way. 

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