Types Of Bankruptcy

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April 18th, 2005

“What’s The Downside Here? Am I Taking A Huge Risk By Being A Landlord?”

It would not be fair to have a discussion about investing in real estate without covering the negatives too. Every investment has some drawbacks and no investment is ‘perfect.”





MANAGEMENT- All real estate requires management, either by you or a professional management company. There are more headaches involved with real estate than with simply putting your money in a money market account or mutual funds.





Single family homes are more difficult in some respects because they are spread out. This makes it harder for showings and repairs versus an apartment where all the units are in one location.





There is also more paperwork, because each house has its own mortgage, property taxes, insurance, etc.





Management takes some time, but if you develop a system and stay on top of it, it is not all that hard.





VACANCY- All real estate can suffer from vacancy from time to time. With a single family home, if it’s vacant, the whole thing is vacant.





With a 10 unit apartment, if you have a vacancy you still have the other 9 units producing rents.





There are ways to minimize the vacancy rate so it isn’t a big problem.





REPAIRS- Any real estate is going to require repairs occasionally. Single family homes each have their own furnaces, air conditioners, roofs, etc., unlike an apartment building.





Houses may therefore have more repairs, although they will generally be less expensive repairs than for a larger building.





Apartments also require things like landscaping maintenance and snow removal, things that a tenant often does in a single family home. In addition, tenants in houses often perform a lot of minor repairs themselves.





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