cash or loan?

I am buying a 500K house for rental.  I got a quote ( months ago) for 4.875% 30 year fixed with 0.25 point.  or I can pay cash.  Not sure what I am going to do with the cash now if I use loan.  wait for CD?

If I cash pay, I am thinking to do cashout refi later when the housing market is coming down.  

But I learnt from TZ, for investment in RE, one should always to use loan.   So I am not sure how to proceed.  

Please give me some idea?

  

所有跟帖： 

• I know. it may get higher in May. -meowi- ♀ (0 bytes) () 04/27/2022 postreply 12:41:26

• Loan -新手地主刚上路- ♂ (0 bytes) () 04/27/2022 postreply 12:40:44

• why? Can you give a reason? -meowi- ♀ (0 bytes) () 04/27/2022 postreply 12:44:15

• Rate is less than inflation -新手地主刚上路- ♂ (0 bytes) () 04/27/2022 postreply 12:59:06

• Save some cash at hand for more opportunities -新手地主刚上路- ♂ (0 bytes) () 04/27/2022 postreply 12:59:34

• thanks -meowi- ♀ (0 bytes) () 04/27/2022 postreply 13:34:28

• 如果买了这个还有大把现金在手，拿现金买。等房价掉，能cashout refi 贷出来的钱也少多了，可能也不容易了。 -长生有容- ♀ (0 bytes) () 04/27/2022 postreply 12:41:16

• No, I only have this 500K cash. -meowi- ♀ (0 bytes) () 04/27/2022 postreply 12:43:19

• 那就贷款好一些。不要怕付利息，手里要留些现金 -长生有容- ♀ (0 bytes) () 04/27/2022 postreply 12:59:13

• thanks -meowi- ♀ (0 bytes) () 04/27/2022 postreply 13:37:01

• thanks -meowi- ♀ (0 bytes) () 04/27/2022 postreply 13:37:01

• Cash offer 有时候会有good deal, 也可以在竞争激烈的情况下，让你脱颖而出。 -老胖妞爱小肥羊- ♀ (0 bytes) () 04/27/2022 postreply 12:52:19

• Cash offer 不一定有good deal，不过同样价格的话比较有竞争力。 -长生有容- ♀ (0 bytes) () 04/27/2022 postreply 13:01:19

• it is a done deal. no competition -meowi- ♀ (0 bytes) () 04/27/2022 postreply 13:36:36

• 不知我这破唱片还要放几次，你们才能明白? 从投资角度来看，首付越少越好，贷款越大越好，贷款期限越长越好！ -hhtt- ♂ (0 bytes) () 04/27/2022 postreply 13:50:04

• :) I love to hear your CD playing, it is priceless! thanks -meowi- ♀ (0 bytes) () 04/27/2022 postreply 14:18:40

• loan. The rate is nothing in long run -jjj7- ♂ (0 bytes) () 04/27/2022 postreply 13:51:15

• got it, thanks. -meowi- ♀ (0 bytes) () 04/27/2022 postreply 14:19:03

• 如果是投资房，当然loan越多越好，报税时利息是cost、抵税 -玻璃坊- ♂ (0 bytes) () 04/27/2022 postreply 14:29:55

• you are right. get it. thanks -meowi- ♀ (0 bytes) () 04/27/2022 postreply 14:59:43

• Thank you for all, but I thought is.... -meowi- ♀ (407 bytes) () 04/27/2022 postreply 15:11:45

• wait for opportunity to buy more -不声不响- ♂ (0 bytes) () 04/27/2022 postreply 15:49:00

• What if the market is down by the end of the year? -玻璃坊- ♂ (83 bytes) () 04/27/2022 postreply 16:19:44

• Loan吧？ -huhu88- ♀ (105 bytes) () 04/27/2022 postreply 15:36:53

• 如果一两年之内也不会再买投资房建议用现金。 -小小主- ♀ (0 bytes) () 04/27/2022 postreply 17:21:00