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10275\u0275elementStart(34,"nav",22),a.\u0275\u0275elementStart(35,"h2"),a.\u0275\u0275text(36,"Table of Contents"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(37,"ol"),a.\u0275\u0275elementStart(38,"li"),a.\u0275\u0275elementStart(39,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),a.\u0275\u0275text(40,"What Is a Multifamily Home?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(41,"li"),a.\u0275\u0275elementStart(42,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),a.\u0275\u0275text(43,"The Pros"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(44,"li"),a.\u0275\u0275elementStart(45,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),a.\u0275\u0275text(46,"The Cons"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(47,"li"),a.\u0275\u0275elementStart(48,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),a.\u0275\u0275text(49,"Before Jumping In"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(50,"li"),a.\u0275\u0275elementStart(51,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),a.\u0275\u0275text(52,"FAQs"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(53,"p"),a.\u0275\u0275text(54," If you\u2019re of millennial age or younger, BILLSHARK knows you\u2019re facing financial pressures not encountered by previous generations, including huge student debt, soaring health and child care costs, and runaway real estate prices, particularly in the entry-level market. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(55,"p"),a.\u0275\u0275text(56," If you\u2019ve begun to despair that you\u2019ll ever be able to own your own home, we\u2019d like to suggest a possible avenue you might not have thought of: a multifamily dwelling. Before you object that you\u2019d never want to be a landlord, take a look at the pros and cons. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(57,"h2",24),a.\u0275\u0275elementStart(58,"span",25),a.\u0275\u0275elementStart(59,"span",26),a.\u0275\u0275text(60,"1"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(61," What Is a Multifamily Home?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(62,"p"),a.\u0275\u0275text(63," The accepted definition of a multifamily home is any house with separate addresses for each occupant. They could be duplexes, old subdivided Victorian houses, even apartment complexes with hundreds of homes. Typically, though, they\u2019re types of duplexes, which allow you to live in one side (or floor) while someone else lives in the other. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(64,"p"),a.\u0275\u0275text(65," Traditionally a purchase for professional real estate investors, the multifamily investment market is swinging toward first-time buyers who may have been priced out of the single-family market. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(66,"p"),a.\u0275\u0275text(67," Ralph McLaughlin, deputy chief economist at the real estate data firm CoreLogic, calls these type of purchases the \u201cmom and pop\u201d investor segment. He recently told The Washington Post that this type of home sale grew from 48 percent of all investor-purchased homes in 2013 to more than 60 percent in 2018. "),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementStart(68,"p"),a.\u0275\u0275text(69," \u201cThat\u2019s a sharp contrast to the rise in large institutional investors in the years following the [Great Recession],\u201d he said. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(70,"h2",27),a.\u0275\u0275elementStart(71,"span",25),a.\u0275\u0275elementStart(72,"span",26),a.\u0275\u0275text(73,"2"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(74," The Pros"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(75,"h3"),a.\u0275\u0275text(76,"1. Easier financing"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(77,"p"),a.\u0275\u0275text(78," The biggest pro for first-time buyers is the ability to buy a home when they might not have been able to do so otherwise. This is because lenders often offer incentives for multifamily units that might not be available on single-family properties. Such incentives can include lower interest rates and lower down payment requirements. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(79,"p"),a.\u0275\u0275text(80," For instance, first-time buyers may qualify for an FHA loan, which requires only a 3.5 percent down payment on the purchase price. If you qualify for a VA loan, you can buy up to a four-unit house with no down payment. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(81,"h3"),a.\u0275\u0275text(82,"2. Help with your mortgage"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(83,"p"),a.\u0275\u0275text(84," This is the other big draw for first-time buyers. While you occupy one unit, you have renters in the other to help pay your mortgage. Depending on the market where you live, they could end up paying your entire PITI (principal, interest, taxes, and insurance). "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(85,"h3"),a.\u0275\u0275text(86,"3. Tax breaks"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(87,"p"),a.\u0275\u0275text(88," If the IRS views your purchase as an investment, you can typically write off all the expenses for the rental property, including the mortgage interest, maintenance expenses, and any upgrades you make to the property. You can also usually write off the depreciation. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(89,"h2",28),a.\u0275\u0275elementStart(90,"span",25),a.\u0275\u0275elementStart(91,"span",26),a.\u0275\u0275text(92,"3"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(93," The Cons"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(94,"h3"),a.\u0275\u0275text(95,"1. Repairs"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(96,"p"),a.\u0275\u0275text(97," When you\u2019re the owner, you\u2019re responsible for all the repairs on the property, including the roof, windows, appliances, the HVAC system, even the structure itself. This can amount to many thousands of dollars. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(98,"h3"),a.\u0275\u0275text(99,"2. Vacancies"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(100,"p"),a.\u0275\u0275text(101," If you\u2019re counting on your renters to help pay your mortgage, you\u2019ll have to keep the rental unit occupied, which is something you can\u2019t count on. This is why most lenders require you to have at least a year\u2019s worth of rental income saved before the loan is approved. If you keep your rents slightly below-market for the area, this shouldn\u2019t be a problem. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(102,"h3"),a.\u0275\u0275text(103,"3. The tenants from hell"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(104,"p"),a.\u0275\u0275text(105," Probably every landlord in the country has at least one story about tenants who trashed the place, refused to pay rent or who consistently pay late, or hold frequent, large parties, among other horror stories. In most areas, you can\u2019t begin eviction proceedings for 60 days, and even then you may have trouble getting them out of the unit. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(106,"h2",29),a.\u0275\u0275elementStart(107,"span",25),a.\u0275\u0275elementStart(108,"span",26),a.\u0275\u0275text(109,"4"),a.\u0275\u0275elementEnd(),a.\u
10275\u0275text(110," Before Jumping In"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(111,"p"),a.\u0275\u0275text(112," If you decide to try the multifamily housing route, it\u2019s important to do your research. In addition to weighing the pros and cons, be sure to sit down and do some hard figuring on your finances, cash reserves, potential rental income, the neighborhood, and so on. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(113,"blockquote",30),a.\u0275\u0275text(114," \u201cWhen buying a multifamily property as a first-timer, it\u2019s important to know your limits. How much of a fixer-upper is too much of a fixer-upper? If you did have to fix up a property, would you have to leave multiple units vacant for a time? Would you be able to manage your [mortgage] payment with this considered?\u201d "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(115,"p"),a.\u0275\u0275text(116," That advice comes from Minnesota real estate agent Jason Reed, who told Realtor.com that buyers should also start small. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(117,"p"),a.\u0275\u0275text(118," \u201cWhile it might seem like big risks yield bigger rewards, it\u2019s often wise to ensure that you can handle what you\u2019re getting into before you get stuck with a major liability.\u201d "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(119,"p"),a.\u0275\u0275text(120," But if you\u2019re having trouble finding a single-family home to purchase, this might just be the answer for you to find an affordable property, reduce your down payment, and generate cash flow. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(121,"p"),a.\u0275\u0275text(122," And if you need to find extra cash, be sure to let BILLSHARK\u2019s professional negotiators review your bills. If we don\u2019t save you money, you pay nothing! "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(123,"div",31),a.\u0275\u0275elementStart(124,"span"),a.\u0275\u0275text(125,"Share:"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(126,"a",32),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(127,"svg",33),a.\u0275\u0275element(128,"path",34),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(129,"a",35),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(130,"svg",33),a.\u0275\u0275element(131,"path",36),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(132,"a",37),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(133,"svg",33),a.\u0275\u0275element(134,"path",38),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(135,"div",39),a.\u0275\u0275elementStart(136,"span",7),a.\u0275\u0275element(137,"img",8),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(138,"div",40),a.\u0275\u0275elementStart(139,"strong"),a.\u0275\u0275text(140,"Billshark"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(141," \xb7 Bill Negotiation Experts"),a.\u0275\u0275element(142,"br"),a.\u0275\u0275elementStart(143,"span",41),a.\u0275\u0275text(144,"Helping consumers and small businesses stop overpaying on recurring bills."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(145,"section",42),a.\u0275\u0275elementStart(146,"div",2),a.\u0275\u0275elementStart(147,"div",43),a.\u0275\u0275elementStart(148,"h2",44),a.\u0275\u0275text(149,"Frequently Asked Questions"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(150,"div",45),a.\u0275\u0275elementStart(151,"details",46),a.\u0275\u0275elementStart(152,"summary"),a.\u0275\u0275elementStart(153,"h3"),a.\u0275\u0275text(154,"What counts as a multifamily home?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(155,"p"),a.\u0275\u0275text(156,"A multifamily home is any house with separate addresses for each occupant. That can include duplexes, old subdivided Victorian houses, or even apartment complexes with hundreds of homes. For most first-time buyers, though, it means a duplex, where you live on one side or floor while someone else lives in the other."),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementEnd(),a.\u0275\u0275elementStart(157,"details"),a.\u0275\u0275elementStart(158,"summary"),a.\u0275\u0275elementStart(159,"h3"),a.\u0275\u0275text(160,"Why is financing easier on a multifamily home for first-time buyers?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(161,"p"),a.\u0275\u0275text(162,"Lenders often offer incentives on multifamily units that aren't available on single-family properties, such as lower interest rates and lower down payment requirements. First-time buyers may qualify for an FHA loan that requires only a 3.5 percent down payment, and a VA loan can let qualified buyers purchase up to a four-unit house with no down payment."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(163,"details"),a.\u0275\u0275elementStart(164,"summary"),a.\u0275\u0275elementStart(165,"h3"),a.\u0275\u0275text(166,"How can renters help pay my mortgage?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(167,"p"),a.\u0275\u0275text(168,"While you occupy one unit, the renters in the other unit help pay your mortgage. Depending on the market where you live, they could end up covering your entire PITI, which stands for principal, interest, taxes, and insurance. That rental income is a major draw for first-time buyers using a multifamily home to enter the market."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(169,"details"),a.\u0275\u0275elementStart(170,"summary"),a.\u0275\u0275elementStart(171,"h3"),a.\u0275\u0275text(172,"What are the biggest downsides of owning a multifamily home?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(173,"p"),a.\u0275\u0275text(174,"As owner you are responsible for all repairs, from the roof and windows to appliances, the HVAC system, and the structure itself, which can cost many thousands of dollars. You also face vacancies when a unit sits empty, and difficult tenants who trash the place, pay late, or throw large parties. Evictions often can't begin for 60 days."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(175,"details"),a.\u0275\u0275elementStart(176,"summary"),a.\u0275\u0275elementStart(177,"h3"),a.\u0275\u0275text(178,"What should I do before buying a multifamily property?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(179,"p"),a.\u0275\u0275text(180,"Do your research and weigh the pros and cons carefully. Sit down and run hard numbers on your finances, cash reserves, potential rental income, and the neighborhood. Real estate agent Jason Reed advises knowing your limits and starting small, ensuring you can handle the commitment before you get stuck with a major liability."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(181,"div",2),a.\u0275\u0275elementStart(182,"section",47),a.\u0275\u0275elementStart(183,"h2",48),a.\u0275\u0275text(184,"Related Blog Posts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(185,"div",49),a.\u0275\u0275elementStart(186,"a",50),a.\u0275\u0275elementStart(187,"div",51),a.\u0275\u0275elementStart(188,"span",52),a.\u0275\u0275text(189,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(190,"img",53),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(191,"div",54),a.\u0275\u0275elementStart(192,"h3"),a.\u0275\u0275text(193,"Rescue Your Finances: Smart Strategies for Recovery"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(194,"span",55),a.\u0275\u0275text(195,"Carolyn Depoto \xb7 Apr 6, 2020 \xb7 3 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(196,"span",56),a.\u0275\u0275text(197,"Read article "),a.\u0275\u0275elementStart(198,"span",57),a.\u0275\u0275text(199,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(200,"a",50),a.\u0275\u0275elementStart(201,"div",51),a.\u0275\u0275elementStart(202,"span",52),a.\u0275\u0275text(203,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.