RETIREMENT LOAN $50,000 from employers defined contribution plan. 5 years, at 4.5% about Air Max Tavas Laces $950 per month. Once I withdraw this will drastically reduce my monthly ability to save for re. Interest payed to me but will lose out on stock market gains. 33% gain last year. I'm OK to take this risk to help diversify from the stock market.6 month seasoning? Is this generally required to use the after rehab appraisal value or do I need to wait a year for that. I have a bank willing to give me a commercial loan with no seasoning but their rates are high and adjustable with a 5 year balloon. I'm OK paying on the retirement loan for 6 months to refi into a 30 year fixed.
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money right now. Cash out refi afterwards to pay back all of retirement loan and most of HELOC.
CASH on hand (that my wife will let me use) $20,000. Saving 1000 to $2000 per month for re.
Becoming a cash buyer
Mls is very hard to find a good deal in my area. I'm wanting to have all cash to buy from wholesalers or foreclosures. I'm planning on using a combination of methods to have $120,000 to 140,000 cash on hand. I'm not interested in hard Nike Air Max 2015 Black And Blue
DTI ratio. Is that normal? How would they know? Maybe this is a case where I said to much?
HELOC $50 to $70,000. 10yr interest only then 15 year amortization. Adjustable rate. Right now 4.5%. TAX DEDUCTIBLE. How does this affect my debt to income when trying to refi? I'm OK taking this risk temporarily. It's not for a boat or pool.
DTI ratio. One bank told me they count a retirement loan to my Nike Air Max 2015 Black And White
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