| 作者简介：Gary W. Eldred, PhD, has invested successfully in real estate for more than twenty years and has served on the graduate business faculty at Stanford University and the University of Virginia. He has authored many other real estate titles, including Make Money with Affordable Apartment Buildings and Commercial Properties, Second Edition; Trump University Real Estate 101; and Investing in Real Estate, Fifth Edition, all from Wiley. |
| Preface to the Second Edition Introduction: Use OPM to Achieve All That You Really Want 1 Affordability Depends on You--Not a Lender SECRET #1Affordability depends on you. SECRET #2How you choose your property and arrange financing can add (or subtract) tens (or even hundreds) of thousands of dollars to (from) your net worth. SECRET #3Separate the emotional from the financial. SECRET #4 Align self-talk with your priorities. SECRET #5Envision the propert(ies) you would like to own 5, 1 O, or 15 years from now. 2 Increase Your Borrowing Power SECRET #610,000 lenders set their own standards. SECRET #7"You can make your qualifying ratios look better. SECRET #8Lift your qualifying income. SECRET #9Reduce your debt. SECRET #10Use compensating factors to justify higher qualifying ratios. SECRET #1 1Never fib to a lender. SECRET #12Can't qualify? Enlist a cosigner, co-borrower, or co-owner. SECRET #| 3Let tenants pay your mortgage. SECRET #14Don't change your loan status. Slash Your Cost of Interest SECRET #15Many borrowers who want a fixed-rate loan should choose 15 years, not 30 or 40. SECRET #16Lower interest rates mean big savings. SECRET #| 7'Lower rates magnify borrowing power. SECRET #| 8ARMs sometimes offer greater borrowing power, lower costs, with risk you can manage. SECRET #19State and local housing finance agencies offer lower-interest mortgage loans. SECRET #20Assume a low-interest-rate mortgage. SECRET #21"Assume" a nonassumable mortgage. SECRET #22Save $1,000s with a Mortgage Credit Certificate (MCC). SECRET #23Seek employer assistance, or seek an employer who gives assistance. SECRET #24Obtain a lower interest rate; pay points. SECRET #25Negotiate a buydown with the sellers. SECRET #26New homebuilders offer mortgage incentives. SECRET #27'How to borrow jumbo amounts without paying jumbo rates. SECRET #28Your after-tax cost of borrowing may not be as low as you've been told. 4 The Risks and Rewards of ARMs SECRET #29 ARMs do not necessarily present more risk than fixed-rate loans. …… 5 Perfect Your Credit Profile 6 The Lowdown on Low Downs 7 Win Big Saving s with Seller Financing Foreclosures or REOS 8 Beware of Those Fine Print Gotckas 9 Achieve the Lowest Lnterest Rate Availabl 10 Managee Your Property and Financing for Maximun Return |
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