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Investment Real Estate >Retirement and the Second Home
Buying a second home as rental property makes a great centerpiece to your retirement plan. It forces you to make regular savings in the form of mortgage payments that become your equity.
You only need cash for the down payment, and you should make sure that your monthly rental payments will cover the mortgage and any additional expenses. This is a real possibility if you buy the right house at the right price because a good single-family house should always stay rented. Your investment money is subject to less income tax, and the interest and property taxes may be deductible.
Housing has appreciated in value all over the country in recent years, making a second home an important hedge against inflation. Most experts predict that interest rates for fixed-rate and adjustable mortgages should remain in single digits for the foreseeable future, so it should be easy to acquire financing with a small down payment.
Call an agent with your real estate questions. They have helped hundreds of people to sell their homes and properties--and to purchase the home of their dreams.
Linda Caleo Pacific Horizons Properties 95-5970 Mamalahoa Hwy PO Box 104 Naalehu, HI 96772 808-929-9000 800-272-5662 808-929-9100
Property ownership in Hawaii can be surprisingly affordable--values abound in all price ranges! Linda Caleo and her team of real estate professionals have been helping Kamaaina (residents) and Malihini (newcomers) fulfill their real estate dreams in the Hawaii paradise for over 15 years. Together, she and her 5-member team bring over 51 years of experience in Hawaii real estate to you. Linda has earned the Graduate Realtors Institute (GRI) designation from the National Association of Realtors. In addition, she is a Certified Residential Specialist (CRS), another coveted NAR designation. Linda is also a Real Estate Cyberspace Specialist, a member of the NAR's Realtor's Land Institute, a member of the Board of Directors of the Hawaii Island Board of Realtors, and holds a Master of Business Administration degree from the University of Iowa.
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