Brian Davis is a real estate investor and personal finance writer with over two decades in the real estate and finance industries. After graduating from University of Delaware in 2003 with two useless B.A. degrees and an even more useless minor in anthropology, he fell headfirst into real estate finance by accident.
Then he promptly went on a property buying spree from 2005-2008. It was what you might call a “learning experience,” all of the lessons expensive.
Eventually, Brian tired of landlording and unloaded his own portfolio of rental properties. But he still loved real estate as an investment, and today he owns fractional shares in over 2,000 units.
The difference? Nowadays he only invests passively in real estate.
Along with his wife and daughter, Brian spends most of the year abroad living by his own rules. He loves hiking, cooking, pairing wine with said cooking, scuba diving, and occasionally surfing (badly). And writing: he writes as a real estate and personal finance expert for Inman, BiggerPockets, R.E.tipster and dozens of other publishers.
Most of all, Brian loves showing others how they too can create their ideal lives through real estate investing and lifestyle design.
The Big Picture On The Minimum Down Payment For An Investment Property: You can borrow at a higher LTV (loan-to-value ratio) if you live in the property for at least a year, have higher credit scores, negotiate seller financing, or cross-collateralize with other...
The Big Picture On How To Avoid Capital Gains Tax on Real Estate: The IRS taxes your profits on real estate and other investments as capital gains. The tax rate on capital gains is lower than regular income — if you owned the investment for at least a year. Real...
The Big Picture On Clever Ways To Come Up With Down Payment For A Rental Property: Various financing options exist for rental property down payments, such as using home equity lines of credit (HELOCs), borrowing from retirement accounts like 401(k)s or IRAs, and...
The Big Picture On The Best Real Estate Investing Podcasts: Podcasts are a convenient and free way to gain knowledge and stay updated on real estate trends, making it easy for investors to learn while multitasking. These top podcasts provide valuable education on real...
The Big Picture On The Best Real Estate Investing Blogs: Real estate blogs can be an excellent source of information about the industry. These blogs cover various topics, including property management, market trends, and investment strategies. Many blogs offer expert...
The Big Picture On DSCR Loan Pros and Cons: DSCR loans focus on the rental property’s income rather than the borrower’s income, making them ideal for self-employed investors or those with multiple properties. DSCR loans offer advantages like faster approval processes,...
The Big Picture On FHA's Kiddie Condo Loans: The FHA "Kiddie Condo" loans program allows for a down payment as low as 3.5%, making it an affordable option for parents co-signing a mortgage with their adult children. Parents can buy a property with their child, who...
The Big Picture On Alternative Housing: Various non-traditional housing alternatives like tiny houses, RV living, and house hacking with accessory dwelling units (ADUs) can help you save money and embrace a more flexible lifestyle. Many of the alternative housing...
The Big Picture on Our Online Real Estate IRR Calculator: Internal rate of return (IRR) measures the annual growth rate of an investment, considering both cash flow and capital gains over the holding period. Real estate investors use IRR to compare multi-year...
The Big Picture On Cash-On-Cash Return: Cash-on-cash return measures the annual yield on your cash investment, accounting for down payment, closing costs, and out-of-pocket repairs. The formula for cash-on-cash return is net annual cash flow divided by initial...
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