All Forum Posts by: Rebecca Graziano

Thanks Lee! It’s active income, so you hit the nail on the head. We both contribute to 401ks, but apparently not enough, and didn’t know about the “150” cutoff number for losses to take advantage of our RE holdings. There’s definitely time to catch up for 2019! Thank you!

Thank you all. I’m definitely looking into a soloK option and other tax deferred retirement vehicles.

Have a lovely day!

Hi investors,

My husband and I are high income W2 earners and invest on the side in rentals and notes.

We got hit hard in tax liability, even with tax law changes. Any recommendations? If there’s other W2 folks out there, I’d love to hear your thoughts!

Thanks!

I agree with the others. Follow the math- if you sell and take your $50k (is this after taxes?) will you get the same return? What would you do with it? Maybe talk to some local lenders and see what your numbers look like with a refinance. 

Nope. Investors are problem solvers; you can fix issues with a property, but you can’t fix people ;)

Hi!

nothing held us back. My husband and I jumped right in and never looked back. Fear will kill your ability to grow, so why let it? 

Thanks Todd! I checked the rental projections and they stabilize at 2% years 4-7, with growth of 3-5% years 1-3. Based on commonsensical inclination I would think this is conservative and appropriate.

But absolutely I agree the sponsor is the one putting the deal together, and therefore the most important piece of the puzzle. 

Thank you!

Thank you both. This is very useful advice to review the offer summary more specifically. 

Thanks!

Hi!

I've received an offer summary on an apartment syndication. There is a lot of information to dissect here. How do I determine if it is a good deal or not? After all, these are projected outcomes. Is 8% pref return the way to go on a 75/25 split with average annual return 17.56%?

In other words, what are the numerical criteria (or other parameters) that separate a deal into "yes" pile vs the "no" pile?

Also, I've been told to review the syndicator's track record of projections vs. actual numbers. How do I obtain that information?

Thank you!

I'm under contract on a foreclosure in Texas. Here are the raw numbers:

- Average price for the area is $131,000

-Under contract for $82,500

-conventional financing with 20% down, 5.8% APR

-Average rent is $1100/month

The property definitely needs some repairs, but we didn't find any red flags in the inspection report (needs some electrical work, but panel is ok, roof is ok, foundation is ok). How could we calculate this as a rental and a flip (hold for few years and sell)? I'm getting contractors to provide estimates for the work so I can include in the analysis, but how would I be able to include all the variables in a way that I could identify whether it's worth pursuing or not?

Thanks everyone.