Why Now Is A Good Time To Invest In Real Estate
Why Now Is A Good Time To Invest In Real Estate
The uncertainty brought about by the pandemic has caused many real estate investors to sit and wait. Although through the uncertainty, real estate continues to be the most favored investment by a majority of Americans. In a recent Gallup poll, 35% of Americans cited real estate as the best long-term investment with stocks and mutual funds trailing behind at 21%.
疫情帶來的不確定性導致許多房地產投資者靜觀其變。儘管存在不確定性，但房地產仍然是大多數美國人最青睞的投資。蓋洛普(Gallup)最近的一項民意調查顯示，35%的美國人認為房地產是最好的長期投資，股票和共同基金緊隨其後，為21%。
You may be hesitant to jump into the market but if you’re looking to diversify your portfolio, real estate is a great option. It provides a passive income stream with the possibility of substantial appreciation over time.
你可能對跳入市場猶豫不決，但如果你希望分散投資組合，房地產是一個很好的選擇。它提供了一種被動的收入流，隨着時間的推移有可能大幅升值。
When looking at where to start, one approach is passive real estate investing. Questions like where to look for listings, what location to choose, and calculating potential return rates, are enough to scare off even the most optimistic investor.
在考慮從哪裏開始時，一種方法是被動的房地產投資。像在哪裏尋找上市公司，選擇什麼地點，以及計算潛在回報率等問題，足以嚇跑即使是最樂觀的投資者。
That’s where real estate crowdfunding and passive investing steps in to help.
這就是房地產眾籌和被動投資提供幫助的地方。
Passive Investing Using Roofstock
利用頂板進行被動投資
Roofstock is a platform that allows investors to invest in carefully vetted single-family rental properties.
Roofstock是一個允許投資者投資於經過仔細審查的獨户租賃物業的平台。
Some specialists like Clint Coons, founding partner of Anderson Law Group, believe that single-family properties are a good investment during the pandemic due to the rent abeyances granted by some state government and municipalities. “Multi-family will be more complicated,” he said.
安德森法律集團(Anderson Law Group)創始合夥人克林特·庫恩斯(Clint Coons)等一些專家認為，由於一些州政府和市政當局給予租金擱置，獨户房產在大流行期間是一項很好的投資。“多個家庭將會更加複雜，”他説。
Using Roofstock, investors can scroll through a number of real estate listings that have undergone a rigorous vetting process. The listings provide information regarding the year the property was built, neighborhood rating, square footage, total return, and more. The platform also provides an analysis of the property’s cumulative cash flow, potential appreciation and equity.
使用Roofstock，投資者可以滾動瀏覽一些經過嚴格審查的房地產列表。這些列表提供了關於房產建造年份、鄰里評級、平方英尺、總回報等方面的信息。該平台還提供了對房產累計現金流、潛在增值和股權的分析。
Getting A Loan
獲得貸款
Mortgage rates have lowered significantly during COVID-19 making now one of the most opportune times to get a loan. Although, with lower rates came a flood of banks like JPMorgan Chase & Co. (NYSE:JPM) and Wells Fargo & Co (NYSE:WFC) tightening their criteria for loan approval. This change included higher credit scores and down payment requirements.
新冠肺炎時期，抵押貸款利率顯着降低，使現在成為獲得貸款的最好時機之一。不過，隨着利率的降低，像摩根大通(JPMorgan Chase&Co.)這樣的銀行蜂擁而至。(紐約證券交易所代碼：JPM)和富國銀行(NYSE：WFC)收緊貸款審批標準。這一變化包括更高的信用評分和首付要求。
But for those that are interested and are able to qualify for a loan or have the capital, Roofstock has made the investment process more accessible by opening up their platform to non-accredited investors. No matter your yearly take-home, Roofstock allows you to buy properties at no minimum purchase price, even if you’re a non-accredited investor.
但對於那些有興趣、有資格獲得貸款或擁有資金的人來説，Roofstock向非授權投資者開放了他們的平台，從而使投資過程變得更加容易。不管你每年拿回家多少錢，Roofstock都允許你以沒有最低購買價格的價格購買房產，即使你是一個未經認可的投資者。
Making the choice to start investing in real estate is a big decision, but it's a decision that has the potential to become a major financial payoff. Figuring out what’s right for you and exploring the different tools that are available at your fingertips are the first steps towards starting your real estate investment journey.
選擇開始投資房地產是一項重大的決定，但這一決定有可能成為一項重大的財務回報。弄清楚什麼是適合你的，探索你指尖上可用的不同工具是開始你的房地產投資之旅的第一步。
Photo by Cosmic Timetraveler on Unsplash
宇宙時間旅行者在Unspash上拍攝的照片
譯文內容由第三人軟體翻譯。