8 Maneras de invertir con poco dinero (o sin dinero) en Bienes Raices (articulo en ingles)
Hola.
Este articulo esta en ingles pero ojala y pueda de ser de ayuda.
Let’s take a few moments and expand on each of these – to give you a better idea of how you could get into this game without a lot of funds available.
1.) Wholesaling
Wholesaling is the process of finding killer real estate deals, putting them under contract, and then selling that contract to another buyer (usually an investor.) Many house flippers rely on wholesalers to bring them good deals, and pay well for those deals. When wholesaling, the wholesaler typically does not ever actually own the property. Instead, they are selling the contract for a fee. As such, the wholesaler does not need to have a lot of money to do this. However, while the real estate gurus like to promote wholesaling as the end-all answer to no-money down investing, it does take some money for marketing in order to keep the funnel filled with deals.
2.) Using Partners
Often times, an investor with no money can find a partner who has the cash needed to invest in real estate. To make a good partnership work, both sides need to have something they can bring to the table. Perhaps one partner has the money needed for a down payment, while the other has the knowledge, skills and resources to find the deal. This is a big reason why becoming educated in whatever kind of real estate investing you plan to engage in is so important.
3.) Using Lease-Options
A lease-option (also called a “lease purchase” or “rent to own”) is when a person rents a house to a potential buyer, and gives that potential buyer the “option” to purchase the house during some set timeframe in the future. Some investors use lease options to “rent to own” a home from a motivated seller (with nothing down) and then sub-leasing to another tenant. Essentially, the investor becomes simple the “middle man” with no money invested in the deal.
4.) Via FHA 3.5% Down Payment
The United States Government offers a loan-insurance product that let’s you buy a primary residence (your own home) for just 3.5% down payment. This can be a great step for getting into a property with a small down payment, and can be used on properties with up to four units. Also -when you move out, you can keep the same loan and turn the property into a rental. Keep in mind, however, that there is an added fee, (known as PMI) that will add to your monthly payment slightly.
5.) Using USDA or VA No-Down Payment Loans
That’s right – the same government departments that certify your beef and help our veterans can also help you get into a primary residence with no money at all. To qualify for the USDA loan, you’ll need to be shopping for a home in a “rural” area (anything outside a major city) or to qualify for a VA loan, you’ll need to be a US Veteran. Like the FHA loan above, these loans can also be used for up to four units.
6.) Home Equity Loans or Lines of Credit
If you already own your own home, and have any equity built up in that home, you can tap into that equity and use the funds through a home equity loan or line. Because it’s secured by your home, the rates on these loans can be some of the lowest you’ll find.
7.) Using Private/Hard Money
Private and Hard Money can be a good source of short term funds. Typically, these lenders will lend money based on the value of the property and less on how much money you are bringing to the table or your personal credit score. If you find a good enough deal, some lenders will lend 100% of the purchase price PLUS the repair money.
8.) Other Methods
There are many other methods you can use to invest in real estate with no (or low) money, as well as combinations and variations of the methods listed above. This is part of the business known as “Creative Financing” and can play an integral role in your investing future.