{"id":240,"date":"2019-02-04T17:11:03","date_gmt":"2019-02-04T17:11:03","guid":{"rendered":"https:\/\/www.loanshoppers.net\/blog\/?p=240"},"modified":"2019-02-04T17:11:05","modified_gmt":"2019-02-04T17:11:05","slug":"how-to-own-a-home-for-a-lower-payment-than-you-thought","status":"publish","type":"post","link":"https:\/\/www.loanshoppers.net\/blog\/how-to-own-a-home-for-a-lower-payment-than-you-thought\/","title":{"rendered":"How to own a home for a lower payment than you thought was possible"},"content":{"rendered":"<div class=\"79adbeefd79cda5f8232b2625609aaff\" data-index=\"1\" style=\"float: right; margin:7px 0 7px 7px;\">\n<script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- Loanshoppers - blog post -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:inline-block;width:300px;height:250px\"\r\n     data-ad-client=\"ca-pub-0086590260230556\"\r\n     data-ad-slot=\"3710447994\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n\n<p>It\nmay come as a surprise, but becoming a homeowner in expensive areas can be more\naffordable than you thought. Perhaps you have a plan laid out to pay off debts\nthat impact your income such as an auto loan or college loan. You may be to put\nyour goal into action sooner by making some adjustments.<\/p>\n\n\n\n<p><strong>Consider a Multifamily Property<br> <\/strong>When the average home in San Diego County and Orange County are $592,000 and $725,900 respectively, your income needs to be more than $140,000 annually according to HowMuch<sup>1<\/sup>.&nbsp; As an alternative, look into a residential property built for two (duplex), three (tri-plex) or four (four-plex) families.<\/p>\n\n\n\n<p>Generally, for a properties like these, you live in one unit and rent out the other unit(s) to tenants. In some cases, your full mortgage payment might be covered from <a href=\"https:\/\/www.loanshoppers.net\/loan-programs\/2-to-4-units\/\">the rental income<\/a>.&nbsp; of course, you may be able to do this with a single family home that has enough yard space to build a permitted unit for additional income.<\/p>\n\n\n\n<p>The\nadditional income can be significant because prices in high-cost areas are\noften mirrored in local neighborhood rents, as well. How does that sound as a\nquick way to owning a home with an affordable payment?<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"205\" src=\"https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2019\/01\/duplex-carlsbad-300x205.jpg\" alt=\"North San Diego duplex\" class=\"wp-image-242\" srcset=\"https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2019\/01\/duplex-carlsbad-300x205.jpg 300w, https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2019\/01\/duplex-carlsbad-190x130.jpg 190w, https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2019\/01\/duplex-carlsbad.jpg 500w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption>Duplex in Carlsbad, CA<\/figcaption><\/figure><\/div>\n\n\n\n<p>Here&#8217;s\nan example of a Single Family Home(SFH) &amp; Duplex purchase in University\nHeights area in San Diego as of January, 2019<\/p>\n\n\n\n<p>&nbsp;SFH price: $809,900 for a 3 bedroom 2 bath and\n1200 sq. ft.<\/p>\n\n\n\n<p>&nbsp;Duplex price: $875,000&nbsp; for a (2) 700 sq. ft. bedroom 2 baths with\nseparate front &amp; rear yards<\/p>\n\n\n\n<p>The\nhome payment will run you approx. $3,182\/month and the duplex $3,491 with a\n20-percent down payment, credit scores above 720, and qualifying income. Not\nall borrowers will qualify.&nbsp; The duplex\ncosts $299\/mo more but as rents continue to rise in the area you can charge the\ntenant more. You may be able to get $1,200 from a roommate on the home purchase\nbut the duplex should get $1,600 &#8211; $2,000 depending on the quality of the\ninterior.<\/p>\n\n\n\n<p>Upgrade\nthe unit to receive premium rents with better counters, flooring, windows, and\nbathroom. An upgraded unit will appeal to many renters right away and you&#8217;ll be\nraising your rent every few years as allowable. Imagine if this property was a\ntri-plex or four-plex wit upgraded units. <\/p>\n\n\n\n<p>Naturally,\nyou&#8217;ll need to do your due diligence in your local neighborhood to see whether\nthis might be worth pursuing financially. Research the rents in the area,\nutilities cost, insurance, and more figures during your calculations.&nbsp; You may want to change the area or even the\nstate where to make a purchase after doing the calculations<\/p>\n\n\n\n<p>Related:\nTips for landlords (How to set your rent)<\/p>\n\n\n\n<p><strong>Responsibilities of being a\nlandlord<br>\n<\/strong>Whether\nthis will be a good transaction for will depend somewhat on how much time\nyou&#8217;re willing to dedicate in being a landlord. If you are a busy person or\ndon&#8217;t have the skills and personality for this profession, you&#8217;ll need to hire\na property manager to do this.<\/p>\n\n\n\n<p>A\ngood way to find out are you comfortable collecting rents and making sure\ntenants act considerately and aren&#8217;t doing anything illegally. Are you\ncomfortable repairing a leaking faucet, a non-functioning garbage disposal,\nbroken toilet seat or serving them a 3-day notice to pay rent?&nbsp; Can you easily handle all the paperwork that\na landlord routinely does?<\/p>\n\n\n\n<p>If\nyou answered No to some or all these, you need to estimate more expenses into\npaying a property manager to arrange such work. <\/p>\n\n\n\n<p><strong>Financing for multi-unit\nproperties<br>\n<\/strong>There&#8217;s\ngood news when it comes to financing two- to four-unit properties. The FHA\nguarantees loans and non-conventional loans may allow you a lower down payment\nthan the typical conforming loan from your local bank. FHA allows higher\nborrowing maximums based on the property being either a two, three, or\nfour-unit property.<\/p>\n\n\n\n<p>You may be approved for an FHA loan with a down payment of just <a href=\"https:\/\/www.loanshoppers.net\/loan-programs\/fha\/\">3.5 percent on a duplex<\/a>, tri-plex, or four-plex. Furthermore, the down payment can be a gift from a relative, you can have non-occupant co-borrowers and your credit score does not have to be 620 or higher. Although, credit issues within the last two years may hurt your chances of being approved. VA loans (for veterans and actively serving military members) can provide and even better deal, with 100-percent financing but have borrowing maximums based on single family homes.<\/p>\n\n\n\n<p>By\nusing a non-conforming loan may allow you to borrow 90-percent financing on an\nowner-occupied duplex up to $1.5 million in the entire state. In contrast, a\nconforming loan would require more than 25-percent down.<\/p>\n\n\n\n<p>The amount you&#8217;ll be able to borrow will depend on the county where you want to buy. For maximum loan limits on FHA, Conforming, Non-conforming, and VA loans for multi-unit homes, check with a licensed loan officer.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>source:  HowMuch &#8211; <a href=\"https:\/\/howmuch.net\/articles\/salary-to-afford-the-average-home-in-your-state\">https:\/\/howmuch.net\/articles\/salary-to-afford-the-average-home-in-your-state<\/a> <\/li><\/ol>\n<!--CusAds0-->\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>It may come as a surprise, but becoming a homeowner in expensive areas can be more affordable than you thought. Perhaps you have a plan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":241,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[35],"tags":[61,60],"class_list":["post-240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2-4-units","tag-high-cost-areas","tag-home-buying"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to own a home for a lower payment than you thought was possible -<\/title>\n<meta name=\"description\" content=\"Becoming a homeowner can be quite challenging with the morgage but may be offset when you consider another homeownership option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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