All Forum Posts by: Carlos Ptriawan

@Tushar P. : the difference between real estate investing and stock investment is we're speculating on the real economy in our specific market. You are not speculating based on future. If you invest in Ohio or in California, your return for the next 5 years is already known, there's no magic. 

If you invest a high equity growth stock, you're speculating on the future, the sky is the limit, we don't know which share will appreciate more whether it's Tesla or Nio for example.

The 1.5-2.0 EM in the Real Estate world is very easily to be achieved.

The real estate investment is very good for common classic investor that understands the risk. 

I have seen the crash in 2001, 2008 and twice the dotcom boom. My summary is as long as FANGTM stock and second-tier tech name like PANW/Appian/Crowdstrike/Redfin is still having their HQ in Silicon Valley, the sky is the limit......we just hope that the appreciation is not moving exponentially, just 2-3% is ok in parallel with the wage growth. 

But the impact is nontech wage earner is almost never able to buy a house. Hence I understand many people are leaving the area too.

Tushar yes, you have valid concerns. I suggest you join some Investor Club where investors discuss those operators/sponsors.

I heard this often. Folks when you buy rental, you need to do cost simulation for DSCR and capex projection. If you buy something with less than 1.25 DSCR it's almost guaranteed you lose money, the only way you is appreciation. Your metric shall not be the number of dollars you're making but the ratio between NOI and actual predictable expense and unpredictable expense.

Correct Taylor, these days I'm assuming if they promised 8%, in reality, it would be 6.5%, and so on. Actually, I found this phenomenon in other businesses too. These days most fund/syndicator return is only 5 to 6%.  
I know their business is not that good anymore as, during covid, occupancy rate goes well below 70%.Again this is simple math that regular investor just needs to be able to grasp. There's no magic out there, it's just pure math. 

Here's the crunch number  that most people doesn't see
- Silicon Valley is still the affordable place for appreciation in relation to wage growth. Affordability index in this city is 33%. When it's reaching above 40% like Miami yes it's to sell, currently it's not.
- From my research, most pro outthere have projection as following :
2021(7%).2022-2024(each 2-3%)
- So if you want to sell, hold it until 2022, and that's what I will do.

Bay area housing market will not crash as long as there's no dotcom crash 2.0

@Tushar P. : syndication, just like any other business, have their own way to manipulate the number and move money from one pocket to another pocket. This kind issue like you've discussed is not a math problem but it's the work of number manipulation by syndicators. Our accredited investor's group for example talked a lot of these and discuss which syndication is treating the investor fairly and which one doesn't. 

some of the  in BP people are really bad in math, , eg they keep asking question how to get 1.0 rental value in 7% highly appreciating market. Gossshhhhh.

Same as Joe, they don't know ratio, exponential , and percentage and keep asking where to invest where basically everything real estate is just a matter of math calculation with some sort of probability and risk management stuffs.

pls sell your duplex deal to me :)

earn 90k per year in retirement in a Roth IRA or Solo 401k only requires 900k to a million in retirement savings --> You could earn this by half when one invest correctly in real estate. Eg to get 90k cash-flow you invest about 400k to 10 homes.

And you can enjoy the money now not when you start having diseases.