임대 대 판매: 주택 소유 선택 평가하기

### 임대 대 판매: 주택 자산 딜레마 탐색하기
* 🏠 Ryan은 현재 **20만 달러의 자산**과 **2.6%의 모기지 이자율**로 살고 있는 집을 임대할지, 아니면 집을 팔고 그 자산을 **인덱스 펀드에 투자**할지 고민하고 있습니다.
* 💡 재정 고문은 지역의 바람직성 및 강력한 임대 소득의 잠재력을 포함한 여러 요인에 따라 결정이 **"달라진다"고 강조**합니다.
* 📈 임대를 선택하는 경우, **계약금 20%, 총소득의 25%를 초과하지 않는 모기지** 등 새 주택 구입에 대한 가이드라인을 준수하는 것이 중요합니다.
* 💰 인플레이션 시기는 **낮은 모기지 금리와 주택 가치 상승**으로 이어져 부동산 임대를 위한 현금 흐름의 기회를 제공합니다.
* 주택 소유자는 5년 중 2년 규칙을 충족하는 경우 매도 시 **독신자의 경우 최대 25만 달러, 부부의 경우 최대 50만 달러의 비과세 이득**을 누릴 수 있습니다.
* 😟 그러나 임대인이 되는 것은 **까다로운 세입자나 관리 문제 등 잠재적인 문제**가 있을 수 있으며, 모든 사람의 기질에 맞지 않을 수도 있습니다.
* 🔍 재정적, 정서적 요인을 모두 고려하여 신중한 계획을 세우고 개인적인 상황과 장기적인 목표에 맞는 선택을 하는 것이 중요합니다.
* 📊 궁극적으로 임대 또는 판매 여부는 신중하게 결정해야 하며, **기회를 놓치거나 후회할 수 있는 성급한 행동**은 피해야 합니다.

Ryan은 현금 흐름을 위해 집을 임대할지, 비과세 이익을 위해 판매할지 어려운 결정에 직면합니다.

[Music] Ryan has a question. He says, Hi, is it better to rent out your home when you're ready to buy or move into a new home or sell it and then invest the equity in an index fund? I have 200k equity with a 2.6% interest on my first home. So when you're ready to upgrade, is it better to sell or rent it? Oo, this one's tough. B, well, here's the, you know, we're very good financial advisers, and so our answer obviously is going to be, It depends, it depends, it depends, it depends. CU, sometimes it's a great idea. You're going to sell your first home, and you're going to move into a new home. But maybe you got a really great deal on that home, and you've got a really good mortgage, and it's in a highly desirable area where there are really strong rents, and it's a good, you know, it's a good community where there's a lot of people coming into the community where you know you're going to not have a ton of

vacancies. That's a really compelling case to rent out the home so long as when you buy your new home, you make sure that you follow our home buying rules. You go to money.com if you want to see those home buying rules. That when it comes time to upgrade, when it comes time to move to your second house, you got to make sure that in that second house, you're going to be there for at least 5 to 7 years. You do have to put 20% down. So if you're not going to sell the primary home that you're currently in and you're going to instead make it a rental property, you have to say very diligently to make sure you have that 20% down payment on your second home. And then you have to make sure that your monthly mortgage cost does not exceed 25% of your gross income. If you can check all those boxes, that might be a compelling reason to continue to have that be a rental property. But in that same vein, there's a lot of reasons why

you might want to sell it. Yeah, let me lay out the groundwork, and then I'd love to get your thoughts. This is mean; this is mean in a good way because we have two things, and it's both good things for you, Ryan, is that we have just come through an inflationary period where you're the beneficiary of two big things from that inflationary period. First of all, low interest rate on your mortgage. Yep. Second is you probably your house is appreciated dramatically, and because it's appreciated dramatically, rents are also up dramatically from an inflation perspective. So here's the two tough choices you have, you, and this is, like I said, mean in a good way. You have probably an arbitrage on the rent. Is that because your mortgage is so low, that low interest rate, and rents have gone up? There's a cash flow opportunity. You're like, this is pretty awesome. But here's where this gets hard. The government lets you, if you're single, it's $250,000. If you're married

It's $500,000 of tax-free gain. Now, there's some gray zone in between that I want to make sure I give you on that tax-free gain of your personal residence. When you sell it, you have two out of the last five years to choose this. So, you actually might be able to try the rent for a little bit to see if this works out well for you or you and not jeopardize the tax-free gain you have. But you have to make sure you take into account two out of the last five years. So, probably, you know, 18 months into renting this thing, you better have it on the market trying to sell it because there is going to be some type of lead time to sell it to still take advantage of that tax-free gain. But what are your thoughts on that dilemma that people face? Well, here's my question for you because you just laid out it's great if you can have rent coming in and that rent is more than your mortgage and it's covering the mortgage and it's also

cash flowing for you. That's a really, really compelling case to do that. But renting is not always just like rainbows and butterflies. It's not like always a wonderful thing. I mean, we have seen firsthand some horror stories of people that go into rental properties or have rental properties, and it doesn't work out that way. So I would never say, Oh, I'm just going to continue to hold this house, and I'm going to become a landlord. I'm going to have a renter simply because I can. 'Cause a lot of folks, and I'm sure you agree with this, a lot of folks don't need to be landlords. If you're someone who, like, every time the temperature drops below 32.1 degrees, and you're nervous about every pipe bursting and every... He's describing me. Well, no, I just... I have a friend who's like that. You might not be cut out for renting, right? If you don't want to have to... If especially if this is a house, and you're moving geographies, and you're going to

have to have a management company that's going to cut into the profitability of the endeavor. You just want to make sure that you really think through it, and this is where you have to make the personal finance personal. If I continue to hold it and rent it, is that what makes the most sense for me? There's the mathematical part of the equation, but there's also the emotional part of the equation. Or if I sell the house, is that going to be more advantageous? And I would argue that both of those answers can be correct, and it very much depends on the person. Just create a plan. Don't go in this half-baked of the point of you try this rental, and then you realize, you know what, I'm just not a landlord-type person. And then in year three, you decide you're going to sell it because now you've squandered the tax-free growth opportunity, and that's the worst of the worst if you do that because you

do have some. You got some unique opportunities that you just need to be very deliberate. Create a plan, maybe even do that, you know, put on your 3D glasses to do, um, you know, a cash flow plan where you the 3DS, by the way, when you're talking about 3D glasses, is your dream plan. Make sure you plan for that, the down toe plan, and then, of course, the doooo plan. You know, you get in there and your tenant tears up the place, he doesn't pay, then you, it sits vacant for six months, you got to do repairs, do the plan so that you actually, when you, you get into this, you're deliberate, you know where you stand, and then you don't have regrets later. Love it.

Should I Rent My Current Home or Sell It When Moving?

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주택 임대와 판매: 무엇이 최선일까요?

유리한 모기지 조건, 바람직한 위치, 강력한 임대 수요가 있다면 집을 임대하는 것도 좋은 선택이 될 수 있습니다.

계약금 20%, 모기지 비용 총소득의 25% 이내 유지 등 새 주택 구입에 대한 주택 구입 규칙을 준수하는 것이 중요합니다.

하지만 주택을 매각해야 하는 강력한 이유도 있으므로 개인의 상황에 따라 결정해야 합니다.

라이언은 낮은 모기지 이자율과 인플레이션 기간 동안 집값이 급격히 상승한 덕분에 유리한 위치에 있습니다.

그는 임대료 인상으로 현금 유동성 기회가 생겨 잠재적인 차익거래를 할 수 있습니다.

정부는 개인 주택을 매각할 때 독신자의 경우 최대 25만 달러, 부부의 경우 최대 50만 달러의 비과세 이득을 제공하며, 5년 중 2년 동안 이득을 인정받을 수 있습니다.

부동산 임대는 현금 흐름을 창출하는 매력적인 방법이 될 수 있지만, 항상 순조로운 경험은 아닙니다.

특히 부동산 관리나 예상치 못한 문제 해결에 대한 불안감이 있는 경우 임대인이 되기에는 부적합한 사람도 많습니다.

숙소를 임대하기로 결정하기 전에 수학적, 정서적 요소를 모두 고려하여 신중하게 고려하고 명확한 계획을 세우는 것이 중요합니다.

특별한 기회를 위한 신중한 계획

현금 흐름 계획을 세우는 것은 고유한 기회를 관리하는 데 필수적입니다.

"3D 안경" 접근 방식에는 잠재적인 문제를 해결하기 위한 꿈의 계획, 발끝 계획, 실행 계획이 포함됩니다.

계획을 신중하게 세우면 후회를 피하고 자신의 재무 상태를 명확하게 파악하는 데 도움이 됩니다.