c*****2
发帖数: 114 | 1 请教大家，我最近签了个condo 全楼50户，20多户租出去了，是好还是不太好，HOA
全楼有12000多的delinquent assessment 这个数额相对来说多不，谢谢大家了 |
L**P
发帖数: 3792 | 2 you may have trouble to get a good loan if most units are rental |
c*****2
发帖数: 114 | 3 This is useful. May I ask why
【在 L**P 的大作中提到】
: you may have trouble to get a good loan if most units are rental
|
b*d
发帖数: 9308 | 4 Lender会做一个condo review，如果出租率高于50%的话，lender会decline这个loan。
【在 c*****2 的大作中提到】
: This is useful. May I ask why
|
c*****2
发帖数: 114 | 5 Thanks for your explanation. The rental is slightly less than 50%. But is
there any problem having many (23 out of 50) rented home in a property? I
did not get that point. Sorry my computer cannot type Chinese now.
【在 b*d 的大作中提到】
: Lender会做一个condo review，如果出租率高于50%的话，lender会decline这个loan。
|
b*d
发帖数: 9308 | 6 50%就是一个坎，超过50%就做不下来，50%一下肯定没问题。
【在 c*****2 的大作中提到】
: Thanks for your explanation. The rental is slightly less than 50%. But is
: there any problem having many (23 out of 50) rented home in a property? I
: did not get that point. Sorry my computer cannot type Chinese now.
|
c*****2
发帖数: 114 | 7 Thanks I got it. Is there any issue about living or maintenance?
like, easy to to resale because easy to rent or hard to resale because
almost hitting the load cap.
I am not concerned about it but thanks anyway. Good to know.
【在 b*d 的大作中提到】
: 50%就是一个坎，超过50%就做不下来，50%一下肯定没问题。
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L**P
发帖数: 3792 | 8 When you refi to cash out your equity or lower your monthly payment, you
need a refi loan, what if at that time >50%? You cannot get it.
When you sell it, if your buyer needs a loan, what if at that time >50%? He
cannot get it then you cannot sell it. You are limited to cash buyers, but
how many cash buyer there are? And cash buyers always try to bargain.
Also 50 units, during economic downturn, as more and more owners cannot pay
HOA, what is going to happen? Either the HOA becomes dysfunctional and your
community deteriates and your property value decrease, or the HOA increases
HOA fee on those who can still pay, meaning you are going to pay other's
share.
the
.
【在 c*****2 的大作中提到】
: Thanks I got it. Is there any issue about living or maintenance?
: like, easy to to resale because easy to rent or hard to resale because
: almost hitting the load cap.
: I am not concerned about it but thanks anyway. Good to know.
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