Tips for investment properties-钱从哪里来

I did some due diligence and came up with the following:

1) First and farmost, come up with a handsome amount of down payment.

2) Be a good borrower, meaning you have a good credit score, which most of us Chinese girls do. The lines draws around a score of 720 or 740 where when it is lower, you dont get the best rate available.

3)  Find a mortgage suitable to you, such as a local bank or a good mortgage agent. A lot of Chinese mortgage agents are really good.

4) Do owner financing. I looked it up. http://homeguides.sfgate.com/owner-finance-mean-real-estate-7867.html It is as if the seller is your bank. When you purchase a house from Mr. Seller, while you cant qualify a regular loan from a bank, but then the seller wants to sell the house. You and Mr. Seller make an agreement how you are going to make the payment.

5) 借钱。lendingclub.com之类的。 401K,保险，都可以借,别的home equity,自己婆家的家底可以借来用用，be creative。


我google了下，对于没有很多钱的初级选手，怎么开始买投资房。

我个人观点，投资，很多人就是图便宜，positive cash flow是首要的，因为这个抓得住，是实在的。其次是升值。

现在市场回暖，（至少湾区），也许买周边区域投资房是不错的选择。 我本人很想在南佛州买个海景小康斗，以后退休住，一直也没有攒够钱+有勇气。 去年我看的时候，10万可以买一个不错的3/2 SFH. 但是听realtor说要抢。

以后有时间会搜搜哪里投资比较make sense.我道听途说的，”买涨不买跌“，觉得很有道理。

怎么找租客？

www.hotpads.com 免费的。

发一个贴可以同时弄到好几个网站，自动的。比如zillows.
别的不知道，登zillow付9.95,就变成featured,人家搜的话，就是最上面。华人benbenq 美女用过挺好。

craiglist免费的。