ADPI_003:您拥有的最佳军事福利

2018年6月25日


情节转录:

What is the best benefit 那 您 have in the 军事 in regards to 房地产? Do 您 know? The VA贷款. Oh my god, it is huge and we are going to dissect it. 但 first... 

Hey freedom fighters welcome to the 现役 被动收入 播客。 The only place where 军事 members veterans and their families learn how to build wealth through 房地产投资. I'm 您r host Mike Foster and I'm here to show 您 how to stop wasting 您r benefits. Now get off 您r ass, step up to the firing line and make ready for today's lesson. Shooter stand by. 

迈克·福斯特(Mike Foster) 屋?嘿检查一下,我们将成为  covering the VA贷款 以及为什么会这样  crucial 那 您 understand 什么 power  和它带来的能力  regards to 您r 财务未来. I mean literally just the fact 那 we have it means there is no reason 那 您 should be renting 您r home right now. None whatsoever.  所有 right so 那 being said I'm going to 继续自我介绍,如果这是 the first time 那 您 are listening to 这个播客,欢迎您。 我的名字叫迈克·福斯特,我是导演  在职教育的被动  收入,我们致力于展示  军人的重要性  投资房地产以及如何进行  complement 您r lifestyle and really  propel it.

 是的,甚至不只是补充 it. We will help show 您 how 您 can build a dependable income where 您r 工资不再是 drives 您 and makes 您 stay right. We are going to change 您r minds and today we’再说说VA贷款。所以 enough of 那, 让's get into it. 什么是VA贷款?那么VA贷款是 超级简单。这是一笔已经 政府租给我们的 对于我们作为军事成员’s right or 曾经服役的退伍军人 战争来获得我们的第银河网站多少家。 好回家,不一定是我们的 first home. 但是要有银河网站多少家 零钱购买。我不 甚至知道我是否需要再说一遍 对于一些。但我想我要走了 至。好吧,零钱了。

那意味着 你可以和 chewing gum in 您r pocket, some lint from the laundry. Because 您 just washed your pants 那 day and 什么ever and just a pen sign 您r name and 您 have a house. 所有 right now 那总是最好的吗?没有为什么? 因为人们总是喜欢去 闪闪发光,我想要 街区上最好的房子 在这个我要见自己的地方 live in for like 您 know 30 years, rest 我一生中无论yada yada然后 实际上只有一小部分 遵循并生活在 那个家现在就是它了 all right. I'm not getting into 您r 生活方式的选择。但是要明白 when 您 are coming to the closing table with no money in 您r pocket, 那 means 您的贷款将非常庞大。所以  behooves 您 right to do some research  in the market area 那 您 were looking  and make sure 那 您 buy right.

所有 对,就像做银河网站多少简单 很少的额外作业或工作 with a realtor, a good one right 那's not going to gyp 您. but we are in the  business of making sure 那 您  understand 什么 您're looking at .that  way 您 不要't get swindled by a realtor  that 您 know can gyp 您.  Because 他们're out there and at the end of the day 您 知道委员会是银河网站多少激励因素 for them. It’不是激励因素 对全部。有很多优秀的房地产经纪人 在那里,相信我,我知道一些。 

但是也有很多不好的地方 Realtors out there and 您 as the first time 您 know buyer how are 您 going to know the difference. Maybe 您 get a recommendation from a friend. 但 at the same time maybe 那 realtor swindle your friend and now going to swindle 您 too. Because 他们 seemed good and if 您 couldn’听不到我的空中报价 播客。我说对了,所以请相信我 有很多在那里。 

无论如何,VA借贷权 已被政府授予我们 so 那 您 can put zero money down on your home. 但 not only 那, all right it also allows 您 to wrap the closing 贷款成本在后端。所以 again 您're not 自掏腰包支付任何费用。你可以 you’d like and 那 would drastically decrease the amount of money 那 您 have to pay in 您r loan depending on how much 您 put. 但 您 know it's up to you. Right 您 have 那 ability. Now there is a fee 那 您 那 it comes 关联到它,我也很满意 on to the loan.

所以不是真的 something 您 have to worry about right 他们称其为资助费。就是这样 is. 但 您 know again 您're coming to 零钱的桌子,为什么 is 那 good? 那's good because 您 write whether 您 are junior enlisted right and 您 不要't have a lot of money available right and 您 can now buy this home 那 您're looking to buy, let's say 您 have a family right and 你又没有很多钱 or maybe 您 do have a lot of money 那 you could put down, but 您'd rather save 作为应急基金 things go wrong. 对,那绝对是 银河网站多少聪明的举动。我建议 anybody buying a house. Because as 您 do buy a house, 您 do buy into the houses problems and 您're buying into an asset 本身会磨损 over time.

So 您're going to have to put in the maintenance, 您're going to have to put 在小爱和肘部润滑脂中 right. So definitely make sure 您 have 预留一些钱,然后当然 right even if 您 do have a bunch of cash, yet leaves 您 the ability to put that cash where 您 want to versus in 你家。所以这再次是双赢的 every situation. Don’t put money down on a home if 您 不要't have to. Because why 不对?为什么不把那笔钱放在 area 那's going to work better for 您 or if 您 do want to put in 您r home that’很好。每个人都投资正确 不一样。但是无论如何,这是 您的门就可以开始 that’这是我要从哪里来的 podcast. 

所以乔·施穆(Joe Schmoe)拥有军事权利。他看到了,他将使用他的 VA贷款。什么’这个过程?好吧 您可以执行以下两项操作之一。  您可以直接访问VA网站, va.gov,您可以去申请 certificate through them.  这可能需要几天时间, 花一天的时间。可能需要一周的时间。我见过  你知道去那里和那里  通常是因为您缺少一些  种类的文件或某人不在  我当时不知道的办公室  知道。老实说我不知道​​有一些 你知道PFM发生在 该地区。但是我喜欢选择 第二。这要简单得多。  你去你的贷方和你的贷方 为您照顾它。并非所有贷方 可以,但是大多数VA批准的贷方都对 将能够申请 证书给你。这样他们就可以 确保您有资格参加。  如果您现在正在执行任务 对,你有资格接受它。如果 you’一直在服役 90 days within the last ten years, 您're eligible for it right. Even if 您 know 您 separated after a year or three years or 什么ever as long as 您 served over 90 days 现役, 您 can take it.  If 您 are a reservist right and 您 serve over six years, 您 can take it.  okay if 您 are a veteran from a war way  back, 让's say 您 served during the  Korean War, the Vietnam War or 您 know  Desert Storm 什么ever right, 您 are  允许采取。好吧,现在 有很多不同 需求我不会去研究它们。 但其中大多数确实包裹了 围绕某种程度的战争 and if 您 joined anywhere after 2001, I mean 您're good to go. Okay so just go ahead take a look www.va.gov, 您 可以看到涉及到的一切 it and whether 您're eligible or not.  It’s good to go. A nice little 快速的作业分配。好吧 anyway so 您 get 您r Certificate of Eligibility back right and 您 have a 贷款人权利,他们的贷款人要去 to approve 您 a certain amount of funds.  Now depending on the area 那 您 are in 您 are going to fall under a certain tier right 在该层下将是 maximum amount of money 那 您 can use for 您r VA贷款 for 那 region okay.  我刚才说的很重要, 因为很多人把它弄混了。  他们认为自己有一定的上限 他们可以接受VA贷款 很多是因为这就是 they’贷方告诉他们。但是很多 贷方的人也不是 受过VA贷款的教育。所以请这个 is important okay. If 您 have 您r first VA 借出, 您 can take the maximum amount in 您r area. Now my area 在诺福克的东海岸 弗吉尼亚是400岁,我认为十岁 千或类似的东西。  那个球场上的东西。但 那是 amount 那 您 can take. in some regions  of the country 您 can take upwards of  六十七万  千真万象的精选地区  就像顶级第一层  that's just 您 know the nature of  野兽。我的意思是说生活费用 is higher in 您r area 您 can pretty much assume 那 您're going to be able 拿出更多的钱。喜欢 以加利福尼亚为例。  加州的VA贷款限额在 六十万。现在 这非常好。但这也没有 really buy 您 know a really nice 在加利福尼亚的某些地区回家 对。因为财产成本掉了 有超级贵。如此一遍 depends.

现在那只是贷款限额。  Let's talk about for a second 什么 您 can buy as 您r VA贷款. Okay because 这个权利对 your 财务未来 and understanding what 您 can buy, how 您 can buy it, when 您可以购买它,然后拿出银河网站多少 plan on how 您 want to go about 您 知道漂洗并重复此过程。  Because 您 can take out 您r VA贷款 more than once. Okay if 您're moving to another area, then 您 can take 那 VA loan out again if 您 have orders to go to another area.  If 您 不要't, 让's say 您 有新命令的命令,但是它在 a relatively same area. If 您 move 50 miles out of town 您 are allowed to use 另一笔VA贷款。但是那是什么时候 you’重新确定金额上限 that 您 borrowed. Okay it's important to understand. If 您 are in 那 area 就像国家权利一样 您同时有两笔VA贷款 时间,它必须低于该最大值 amount 那 您 were allowed to draw.

If 你从诺福克弗吉尼亚州去San Diego California, 您 can use both of those maximum limits on 您r loan.  Because 您're two completely different 地区。再次,很多人不 了解这一点,我肯定有 会有一些人在旋转 他们的头在说什么?什么是 这个人在说什么?我从来没有 做到了,等等等等。但是我 encourage 您 please go take a look at the VA贷款 booklet and 他们 will tell you 您rself 您 can do it all right. So anyway regardless make sure 您 明白。因为又像我  said 那 goes into how 您 plan out 您的财务未来。  但是,让我们再谈一谈什么 您可以购买,因为这很有激励作用 好的。所以每个人都认为我能 用VA贷款做的就是买银河网站多少 单亲家庭。伙计们不是 案子。您可以购买的不止银河网站多少 单户住宅,还好 let’掩盖它。您可以购买公寓,如果 你想要的。现在用公寓抓住 公寓协会必须是 VA批准了。是的,这很重要。  伙计们克服困难。那里’s a catch 生活中一切都好。所以不要  just go and think 那 您 can just do  whatever the heck 您 want with stuff  说哦,迈克说有这么多  东西,但总有银河网站多少陷阱。没有 这只是银河网站多少小解决方法 you have to 您 know go into.

好吧,我 want to preface 那. 但 anyway yes 您r 公寓协会必须是 VA approved. Is it hard to get 您r condo 协会VA批准了吗?没关系 really is not. It’s not. Now some of 要求可能会有点难 to get around if 他们're not already in place. 但 the biggest thing really is just bylaws. If 您r condo association 有有效的章程协议,并且 他们实际上起作用然后嘿 that’s good to go and 那 a lot of 是大多数战斗的两倍。有 some other onesie twosie things 那 are 真的也超过了我的头

所以无论如何 that’s 那. You can buy town homes, 您 can buy mobile homes, and 您 can buy land.  您可以购买土地并建造房屋 on 那 piece of land. Now it has to be a combo. You can't just buy land and 您 只是坐在上面。不喜欢银河网站多少目的 VA loan is for 您 to have a home 那 你将要占领或打算 占据。再次有关键短语,了解 the difference. You’要占领或 you’重新打算占据六个 months.

赶上六个 几个月到一年是球场。无论如何  right so if 您're going to buy a piece  of land, 您 have to buy a piece of land,  您必须购买开发的  项目或新建筑项目  on it and 您 have to be able to pay for  all 那 package together under the  limit 那's allotted for 您r  area. Okay so if 您 live in Norfolk Virginia and 您 want to buy a piece of land and build a home 那's 您 know 共计40万美元, it. You know 什么 I mean. As long as 您 get all 那 in the package and 您 want to 买,我是说去买。你懂 what I mean like 那 might not be 那 bad of an investment.

Especially 您 only plan to live there for a year 您 know and 您 want to sell it greater than 您 paid for it, sure why not right. That’s cool, some people do it and 那's their type of 投资. You can build 您r home and 您 know say 您 want to build 它在海滩上很漂亮 somewhere, 什么ever and then 您 want to Airbnb it great! Hey 那's another awesome method too, 您 know 您 can do that. 

Any way 您 can buy a multi-family 属性最多四个单位。伙计们,这是 killer, 哦,我的上帝。好吧,我将介绍 你给银河网站多少简短的小东西叫房子 骇客。我不打算讨论它,因为 I’我将单独制作整个播客 about it. 但 您 can house hack 您r 通过购买多户家庭进行抵押 属性。你必须生活得很好。  The purpose of the VA贷款 is for 您 to live in 那 property. So 您 have to live in one of the units. 但 您 can 出租其他人,那些单位可以 pay for not only 您r mortgage, but 您r 生活方式。它可能会增加更多 money into 您r pocket and 您're good to go. 您 know 什么 I mean or 您 can 用那笔钱像我说的房子黑客 拿走那笔额外的收入 the mortgage and then refinance 您r VA 年底,两年的贷款, the end of 您r tour 什么ever right and then he can go use 那 money 那 您 have in 您r VA贷款 again. Right awesome anyway right 您 can also add energy-efficient upgrades to 您r home up to six thousand dollars with 您r VA loan right.

Now 让's say 您 want to get 这些凉巢恒温器之一,或 你想我不知道升级 窗户很酷的小 热的,是的,无论如何。你懂 let’s say 您 want to upgrade the HVAC system in 您r home 什么ever man. Like 您可以进行节能升级 到六千美元 purchase 那 您 make with 您r VA贷款, 这是银河网站多少不错的权利。  Let’也谈论改变事物。  This year 他们 added a new clause to the VA贷款。你被允许 use 您r VA贷款 for renovations. Now it 不能是任何结构性的东西 好的。它必须是化妆品。好吧,因为 VA贷款的重点再次是 the government will give 您 the money right to buy 您r house, to move in right after 您 close. That’s the point of it.  Now the VA law will allow 您 to add some upgrades to the home if 您 want that are cosmetic. so 让's say I buy a  fixer-upper 那's really not 您 know  那已经很糟糕了,我想得到我的  renovation loan.

The VA will give 您 up 到35,000美元,这必须要 没有项目的房屋 三个月后 past the closing 日期。好吧,这个项目必须 最多三个月,不是 最小,最大。我相信实际上在那里 是最低要求。我要走了 再看一遍。但是有银河网站多少 最低限度。可能是最低要求 对此也有要求 必须经过批准 承包商。军事不是 去,政府不是 going to give 您 $35,000 for 您 to do those renovations on 您r own. You have 通过批准的承包商并 一切都必须合法 而且还必须进行检查 在整个过程中也是如此。

如同 how 您 would do on 您r construction loan as well right. so with 您r  construction loan if 您're going to  从头开始建造房屋  there are also some inspections 那  have to go into 那 process to make  sure 那 您're abiding by those  法律还可以,是的,  装修,最后一件事是  refinance. 

So 您 can refinance the current home 那 您 have with a VA loan if 您 would like. Again zero money 下来,这是很好的,但兴趣较低  率。正确,因为VA贷款会给 您的利率较低。我不确定我是否提到 that earlier. But that's another big thing 您 get one of the lowest interest rates 那's really out there and 那's awesome. so not only  are 您 paying zero money down for 您r  home 那 we've just spoken about 您  can house hack with a multi-family, 您  can 您 know add a lot of value into it  by rehabbing it or 您 can build  从头开始的东西。您’re paying nothing down and 您're getting a really low interest rate. Guys 那 is a killer deal.

哦,天哪,它是杀手 okay. so why would 您 spend fifteen  一百个月的房租  for 您 and 您r family when 您 could  每月花一千一百美元住在  完全相同的类型  place paying a mortgage 那's only  putting money back into 您r pocket at  每个月底。哦,顺便说一句 that money 那 您're using is not coming from 您r paycheck, it's coming from 您r basic housing allowance. Your 基本住房津贴是要支付的 for 您r mortgage and 您r basic housing 免税额是免税的。那’s extra income 那 is coming to 您 for 您 to live out in town. Why are 您 putting it 在别人的口袋里?为什么要租,去使用 your VA贷款.

Go find a place for 您 to establish 您rself early in 您r financial career. That way when 您 move to 您r next duty station and 您 have this home, 您 can refinance 您r loan.  Right so 您 can get rid of the VA loan and maybe use it in 您r same area, if 您're staying in the same area or if 您 PCS into a completely different area, keep 您r VA贷款 there, doesn’t matter 您 can use it again when you get to 您r next duty station. Put a 那里的房客,找到物业经理 to manage it for 您 and cash flow a little bit of extra money in 您r pocket.  So 您 can either a, use 那 to finance your new lifestyle, 您r new place or B, pay off 您r mortgage a little bit 较早的权利。多加一点 每月付款或保存至 到年底再一次性付清 在年底付款。再次  那是银河网站多少更好的策略,那是  我将介绍的内容和另银河网站多少播客  about teaching 您 how to invest with  the HELOC.

It’疯了,但无论如何都对 these are the things 那 您 应该考虑。因为再次如果 you’re renting, 您 are only putting 钱放在另银河网站多少人的口袋里, especially if 您 are working in a deployable unit and then it means 您're going to be gone most of the time. so not only are 您  把钱放进业主的口袋里  that 出租物业, 您're putting  有未使用的钱进城, 电力和公用事业  that 您 still have to pay for, because  it's running .you're  

投入资金 你知道其他人的腰包对吗  around there.  也许支付一些小 maintenance and stuff 那 您 have to 做维护的地方或其他 right. 所有 您're doing is 您're putting 别人口袋里的钱和 you’re not helping 您rself right. The government pays 您 to live out in town.  Take 那 money and put it into 您r house. Which can ultimately be 您r own bank account and oh by the way 您r home 随着时间的推移欣赏价值。现在它 doesn’不能总是这样做。显然这是银河网站多少 market driven thing and 您 know we go 一直在上下市场上交易。所以我 would never ever tell 您 to Bank on 欣赏,这真是愚蠢。  但同时,这是银河网站多少 当它发生时很不错的奖励。所以由  时间三年左右,四年,  five years comes around and 您 spend an  entire tour in one area and 您've lived  in one house, 您've been paying off  extra payments in 您r mortgage and 您r home is appreciated.

Now 您've got a crap ton of equity 那 您've built into 您r home 那 您 can take into your next place and maybe when 您 use your VA贷款 at 您r next place, 您 can use the equity 您've built up and buy an investment property for 您rself so 您 can start cash flowing off the jump and 您're good to go. Right so 哦,我的天哪,我是如此 对此充满热情。因为是这样 important. It’s a lesson 那 constantly 我必须和我的水手们谈谈 他们中很多人真的不明白。他们 don’t get it because 他们 不要't see it and if 您 不要't see it, it gets harder for 您 to imagine it.

但 您 have to imagine it. I want 您 to do this exercise real quick. I want 您 to sit down if 您're listening to this. If you’重新开车好吧,只专注于 请上路,只听我说 out. I want 您 to imagine the  lifestyle 那 您 are going to have for  yourself after 您 get out of the  military or if 您're a 军事 spouse  and 您're listening to this right, 什么  is 您r husband, 什么 is 您r wife, 什么  is 您r partner going to do or 什么 are  您,集体  collective 你要做银河网站多少家庭  when 您r partner gets out of the  军事. I mean think about it right. Is 那 pension going to be enough, right 那 20 years is it going to be enough?

Oh and by the way 他们're 改变它。所以这不是高三 system anymore. if 您're getting in after next year or if  您've been in for 12 years and 您're 选择混合退休制度, 系统看起来完全不同  and can 您 guarantee 那 您're going to  have enough to support 您rself at the  end of the year? Maybe 您 do, maybe 您 do and if 您 do then hey good on 您.  但 您 know 什么 I'm willing to bet there are a lot of 您 listening to this that have never thought about 您r 财务之前的未来。我愿意 打赌,我愿意打我的第银河网站多少 佣金工资,所以,因为 这就是我们存在的原因。这就是为什么 我们非常热衷于现役 被动收入。因为我们知道 there are those of 您 out there who 从来没有想过,并在 利用的首要位置 Uncle Sam and use it to propel 您r financial future 通过房地产投资向前发展。  It’是我们赖以生存的东西 我们爱,我们想分享 with 您. Because we know it's important. 

Okay so I hope 您 understand a little bit more about the VA贷款 and how 您 可以利用它受益。有这么多 different ways 那 您 can use to 投资在那里,我们涵盖了所有方面。

We’ll cover all of it in our 播客。 I cover it in my little video blog 那 I do on Facebook. We cover it out on our 现役 被动收入 page and our 网站 of course www.diyaluna.com. If 您 are ready to take the next step and 您 need help alright. If 您 need help in making 那 step, come reach out to us. Get involved in our program. we are dedicated to making sure 那 您 have the right mentorship and the right guide and being successful and using 您r benefits the right way to gain 财务自由 okay and if not just keep listening. If 您 are still in the process of just thinking about stuff and 您 want hear all the stuff 那’s going out there. Keep listening to our 播客。 Hit us up on Facebook, on instagram right. Hit us up on our social media platforms. Because we have so much free stuff 那 we give out and awesome information and 您 could just do it off 那 right. 但 if 您 are looking for something little faster, come take advantage of our program. We have built it up for 您.

So 那 您 can benefit okay. Thank 您 so much for listening guys. I appreciate it. My name is Mike Foster. Again I am so so passionate to help 您 guys achieve 您r goals and 财务自由. I will catch 您 later, Mike out! 

 

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