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biglaw bros with mortgages: how much should i borrow (LTV)?
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Date: March 18th, 2018 12:48 PM Author: Curious Rose Haunted Graveyard Private Investor right now we could probably put down 80% of the purchase price in cash, but it seems crazy to lock up so much cash in home equity. how much have you levered up your houses? tyia (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35631218) |
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Date: March 18th, 2018 7:53 PM Author: Curious Rose Haunted Graveyard Private Investor (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35633692) |
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Date: March 31st, 2018 4:16 PM Author: Curious Rose Haunted Graveyard Private Investor (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732253) |
Date: March 31st, 2018 4:19 PM Author: Lime pocket flask why not go with maximum leverage if you can get a good interest rate
the nice thing about real-estate leverage is that your house isn't marked-to-market so you don't have to worry about getting pushed out of your position by temporarily falling prices |
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Date: March 31st, 2018 4:21 PM Author: dark erotic place of business you can get a 4.25% 30 year fixed loan today on a jumbo. it makes sense for you to maximum leverage if you think you can get returns greater than that (which are easy to do; bp has a 6.15% dividend, for example: https://finance.yahoo.com/quote/BP). others put a premium on peace of mind which doesn't make sense economically but it is what it is (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732272) |
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Date: March 31st, 2018 4:27 PM Author: Curious Rose Haunted Graveyard Private Investor and you would do a 30-year 4.25% fixed over a 15-year 3.75% fixed? (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732311) |
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Date: March 31st, 2018 5:02 PM Author: dark erotic place of business yes, where else can you borrow money for an extra 15 years at 4.25% other than on your primary house? (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732454) |
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Date: March 31st, 2018 4:26 PM Author: Slate medicated home Pay off ur mortgage as quickly as possible while maintaining ur required emergency reserves (job loss, major repairs). The only path to financial freedom is a high income where you can save a shitload. It's not by earning 1.5% arbitrage on your mortgage rate through risky equity investments (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732310) |
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Date: March 31st, 2018 4:39 PM Author: Curious Rose Haunted Graveyard Private Investor unless we go into a protracted bear market in the near term, aren't we looking at more like 4-5% arbitrage if invested in a low-cost, total US market index fund? (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732355) |
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Date: March 31st, 2018 4:49 PM Author: Slate medicated home It doesn't have to be a protracted bear market, things could just sort of plug along flat Japan-style. Or if we happen to have a huge correction in the first year or two after you begin your arbitrage play. The timing of shit years is really important for relatively short horizons, even if the average return ends up being decent.
Most pension funds -- which are as long-term as it gets -- are expecting lower returns and turning more conservative. |
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Date: March 31st, 2018 4:56 PM Author: Odious vengeful roommate business firm how can you be this dumb. Just borrow as much as you can and ride S&P to the moon (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732423) |
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Date: March 31st, 2018 4:54 PM Author: Odious vengeful roommate business firm pay all cash you goy (http://www.autoadmit.com/thread.php?thread_id=3922029&forum_id=2#35732414) |