All Forum Posts by: Denver McClure

Reach out to @Jeff Nash, he's a CFP and CPA and has dozens of clients like us that are RE investors.

Hey @Travis C., we should have a lender that can take care of that for you! Feel free to shoot me a PM so we can chat sometime.

Reach out to @Bryan Waters from Mynd! They have been managing my portfolio for years and have done a great job. 

Welcome @Michelle Gorham! Feel free to reach out if you need anything. We are all friendly here!

Hey @Dillon Becken! More than happy to help anyway I can so feel free to reach out. @Matt Solis is a great agent and househacker here in DFW, so I highly recommend chatting with him.

You should have ample indicators before worrying about a Margin call. Also reducing your portfolio risk before using a Margin loan is highly recommended. Low volatility ETFs (both equities and fixed income) should be selected over a 100% equities portfolio which is composed of mostly individual stocks. 

If this is an account you day trade in or only hold individual stocks, then I wouldn't recommend Margin loans. Keep in mind, you wont get Margin called unless the value of your portfolio drops 50-75% (depending on the custodian), which would have to be a black swan event. Your custodian or advisor would be diligent in warning you and stopping that before it occurred.

Most people simply borrow as they need to avoid higher interest debt (paying off CCs, hard money lenders, etc) and repay the funds once they are able to. If you get stuck and can't pay off your Margin line, then just sell off a few assets (in a tax efficient manner) to cover the loan. 

Consult with your CPA as well on this strategy. Just selling shares to buy RE may force your hand to pay short term cap gains, or take losses during a market cycle that is unfavorable. Just like RE, you typically want to buy and hold your market positions. If you use a Margin Loan to pay for income producing real estate, you can write off the cost of that interest as well. Like I said, chat with your CPA or Advisor first.

@Jeff Nash would be a great person to speak with!

Hey @Oscar Lopez, feel free to reach out if you'd like to chat sometime. 

Hey @Matt Pursley, we have access to several lenders that offer construction loans with adjustable terms. Feel free to PM me if you'd like to chat. 

Hey @Kathy Utiss, I'd recommend speaking with @Jeff Nash. He's a CPA and a General Lines Agent, so he would be the perfect person to talk to.