Buying a Second Home: Is It Right for 您?

好的,你呢’正在考虑购买第二套房子。可能是你’已经看了几个小时的HGTV,’重新尝试最新的房屋翻转设计趋势。或者,您可能想通过房地产使您的投资组合多样化。也许你’只是准备好在孙子孙女附近拥有自己的位置。

无论出于什么原因,买第二套房子都是一件大事! It’这是比大多数人意识到的风险投资,而且需要大量工作。一世’我不劝阻你—as long as it’是您的正确决定。让’讨论前进之前要考虑的一些最重要的因素。

Evaluate Why 您’重新购买第二套房子

The first thing 您 need to establish is 为什么 您’正在考虑购买第二套房子。让’s examine the most common reasons so 您 can get a better grasp on 您r own motives. 

度假物业

您 may want to buy a place at the beach, in the mountains or close to family. I get that! And 如果你’re on 宝贝第7步,我可以上船。但是,请暂停并考虑取舍。如果您每年只想度假两次或三次,则可能会遇到压力较小的事情,例如不时花钱买一台漂亮的Airbnb。唐’基于纯粹的情感或跟上琼斯的愿望,您决定购买第二套住房。

投资

主要有两个 房地产 投资策略 购买第二套房子:将其转售和转售,或出租作为被动收入来源。

出租物业

When it comes to renting a second home, 您 need to go into that commitment with eyes wide open. Here are several things 您 need to keep in mind:

  • 租金收入不’t guaranteed。房客来去去。除非它’s in a resort or tourist area, 您 might go weeks or months without renters.
  • Renters can cost 您 money. Even 如果你 ask for and check references, 您 can’t guarantee that others will take care of 您r property. People can do way more damage than what’已包括保证金!
  • 长途物业需要当地人的爱. If 您 want to purchase a second home to rent out, the smart move is to buy one in 您r area so 您 can keep an eye on it and make minor repairs 什么时候 necessary.

翻转和转售

据,直到...为止 翻房子 当然,这可能是赚钱的好方法—if 您’重新准备工作。它为N’像HGTV一样迷人!那里’与30分钟内的情节相比,这种方式给家庭装修带来的麻烦和头痛更多。您需要考虑自己是否具备快速翻转的技能,耐心和时间。毕竟,时间就是金钱!

您还需要考虑税收问题—特别是资本利得税。如果您卖出的商品价格超出了所支付的价格(例如房屋),则这适用于您。如果您翻转并转售房屋而没有拥有和/或居住至少两年,则您’很可能要为利润纳税。确保您为这笔额外费用做准备,不要’不要措手不及。

残忍的慷慨

您可能要购买房屋,以通过残酷的慷慨来祝福其他人。我知道这个原因可能并不常见—但是在Ramsey,我们喜欢做不同的事情!如果你’关于第7步婴儿,您可以拥有第二套住房,并允许需要住房的人或只需要离开一会儿的人呆在那里。说到付出,你不会’不必只限于现金!

Make Sure 您 Can Afford to Buy a Second Home

This is the most important question 您’ll ask 您rself throughout the entire process. Can 您 afford a second home? Let’深入研究细节。

Pay for 您r second home with cash.

是—I’m serious about this. 您 should pay for the house and all expenses associated with it (such as closing costs) with cash. 您 should never take out loans for a second property, 即使它’是一项投资。贷款是 总是 风险。如果你抵押贷款,你’为您的未来增加了不确定性。无论’s going on with 您—失业,家庭死亡,严重疾病—该抵押公司期望每月付款。这第二个家应该是福气—not a burden!

节省应急资金。

除了用现金支付房屋费用外,还节省了 应急基金 三到六个月的费用来支付与房屋相关的所有费用。这包括:

  • HOA费用
  • 房主’s insurance
  • 实用工具
  • 财产税
  • 维修与保养

This 应急基金 will help 您 cover the cost of any maintenance issues that come up. And it’s not a question of 如果 他们’ll come up, but 什么时候!

A second home may also impact 您r tax situation, because the IRS treats second homes and vacation homes differently than 您r primary residence. Make sure 您 talk to a tax pro to know what 您’re getting into.

考虑家具和住房费用。

一所房子没有’t do 您 any good 如果 it stands there empty! Unless 您’re just flipping and reselling, come up with a budget for spending on furniture for 您r new place, and buy it all with—you guessed it—cash!

为承诺做准备

Real estate is a hands-on and time-consuming endeavor. If 您’re going to do this well, 您 need to be passionate about it. Here are a few questions to ask 您rself before 您 dive in headfirst:

  • 我清楚我的目标吗?
  • 我喜欢用手工作吗?
  • 我愿意承担第二笔财产的责任吗?
  • 我有足够的时间奉献吗?
  • 这是情感决定还是冲动决定?
  • 我有一段时间想过吗?
  • 我的配偶/家人在船上吗?

还在追踪我吗?那好吧—let’s come up with a plan for this second home 您’re going to buy!

如何购买第二套房子

准备开始了吗?这是购买第二套房子的三个步骤。

1.设定预算。

We’ve already established that 您 should pay for 您r second home with cash. Get a specific dollar amount in mind so 您 know exactly 什么时候 您’re ready to make 您r move. Come up with a dollar amount for each of these categories:

  • 财产本身
  • 结算费用
  • Furniture and appliances (if 您 need them)
  • 您r 应急基金, including enough money to cover three to six months of:
    • HOA费用
    • 房主s insurance
    • 实用工具
    • 财产税

唐’t pull the trigger until 您’ve saved up the 确切金额 您’ll need to buy 您r second home. Pro tip: Save the money for 您r second home in a money market account to take advantage of higher interest rates. Or, 如果你’re not planning to buy a second property any time soon, 您 could invest that money in growth stock 共同基金 利用复合增长。那里’总是在股市中冒险,所以不要’t invest it 如果你’重新计划在五年内购买。

2. Do 您r research.

这是一个重大决定’re making, so don’赶紧!花一些时间来了解你到底是什么’重新寻找。划出不同的社区。开车并在吸引您的地方逛逛。当您使用时,这里有一些专业提示’re on the hunt:

  • 唐’在附近(或地区)购买最好的房产。股权’因此,请在最佳社区的低端/中端寻找房屋,而不要在便宜/破旧的地区寻找最佳房屋。
  • Decide whether 您 want to work with a management group. A property management group makes 您r life as a landlord more convenient, but using one will eat into 您r profit.
  • 了解当地法律. Tax laws vary from state to state, so do 您r homework and 与税务专家会面 to know what 您’re getting into.

3.与受信任的房地产经纪人合作

我再说一次,不要,不要尝试一个人去!房地产经纪人可以访问您所提供的各种信息’以及对市场的洞察力和经验。与专业人员一起工作将为您节省大量时间,并避免您头疼—plus 您’会省钱,最后得到更好的交易。

是时候买了吗?

When 您 weigh 您r options and have a solid game plan, buying a second home can be an exciting experience—梦想成真!但是不要’t 让 您r dream turn into a nightmare. That house can quickly become a burden 如果你 rush to buy before 您’re ready.

It 总是 helps to get a second opinion 什么时候 您’re making a big decision like this, which is 为什么 I want 您 to work with a top-notch 房地产 professional who can help 您 make the right call.

Find a Real Estate Pro in 您r Area

Connect with a trusted 房地产 agent who gives 您 the same advice we do. They’re expert negotiators who will help 您 make 您r next move quickly.

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