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Question Title: Real Estate Investment

Nice to meet you.
I am a XNUMX-year-old office worker currently living in Chiba Prefecture.
Immediately, I would like to start investing in real estate in second-hand properties,
About 100 million on hand and about 5 million on home (newly built 500 years ago) loan
It remains.
I thought about various patterns 

XNUMX. Start using an investment loan now.
XNUMX. Save one year and buy one room in cash
XNUMX. Save a year and buy a family type with a loan
XNUMX. Save for a year and buy an apartment with a loan

I think you can get a loan, but what pattern is
Is that all right?
By the way, because I am from Osaka, I would like to increase the number of owned properties in Osaka.
Please tell us if you have any other good plans.
Thank you for your consideration.

Try to calculate back from the landing point ...

To hirariiman

Nice to meet you. My name is Tokuda of Rich Road.

When you start investing in real estate, first, 1. from which point do you want to earn income? 2. How much income should you earn?

It is important to clarify these two goals.

As for 1., for example, if you want to make a profit immediately, cash purchase is recommended. If you want to make a profit in 10 years or 30 years in the future, I think it is better to make a loan.

Regarding 2., I would like to start from the future landing point, depending on whether you want to earn 20 yen per month or 40 yen per month.

In the case of hirariiman, his own fund is 100 million yen, so it would be better to buy a second-hand apartment with a loan of about 20-600 million yen, about 700 years old, with a loan.

I am only 37 years old, so I would like to choose a good location and good management that will earn rent even after 20 to 30 years.

Family types are more luxurious than studios because yields are lower. Also, for a single building such as an apartment, suddenly large expenses are required for repairing the entire building, etc., so there is a risk if there is not enough money.

In a studio, you can diversify risks by owning multiple rooms, and it is relatively cashable, so the exit is easy to see.

If you have any questions, please feel free to contact us anytime. Then ...

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Answer staff: Rie Tokuda