real estate question (S) help !?

I have a 100k+ in the bank (investments); I want to buy ( first home ) a small inexpensive house in the mountains. and will most likely sell in 2 -5 years (or rent depending on location) I will most likely inject another 5-10k in the property for modern upgrades.
What would suit me best ? 30ymortgage? 15yr, or ARM?
And what program would be my best target ? FHA, HUD, Foreclosure?? I am not too picky and I have the abilities to do major renovations. This property will most likely be in the Johnson city TN. area. And it is possible I might consider another (affordable) property in another state ( the following year for business). Now,
what are my options and how can I least affect my bank investments. ONE last item how much should I place down? 20%+ (to cancel the PMI??)or is it worth it? I am making roughly 8.8% on all my bank investments. Thanks !


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6 Responses to “real estate question (S) help !?”

  1. Gregorio says:

    If you plot on renting it in 2-5 years then do 100% financing on a 30 year fixed interest only. There will be no negative amortization and unless the sky falls in your house will naturally start to appreciate again in the next 5-10 years while someone else pays your mortgage.

    If you plot on selling it in the next 2-5 years then an ARM would work … possibly a 7 year with 20% down might be the way to go. Keep the interest rates low and pay down equity so you are not upside down when it’s time to sell.

    Discuss all options with an experienced broker that can offer many programs that fit your needs.

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