Evaluating your acquisition capacity is the first step to making a successful investment in the rental real estate. This estimate will help define its budget, and therefore the type of property that will be researched and negotiated. 的first step is to consult your bank to determine your disposable income and the maximum debt capacity that can be dedicated to this real estate project. This simulation is not an end in itself, it is only a first step to define the budget that can be allocated to the acquisition. 的goal is not necessarily to go into debt at 100% of its possibilities. A real estate acquisition should not fall below the monthly budget.
Before launching into real estate, the simulation thus gives the maximum acquisition capacity. In the context of the rental real estate, future rent will be taken into account in the calculation of the financing. For the best-optimized credits, the rents will be close to the amount of the monthly payments. 的best thing is that these two sums are equal: this is called “self-financing”.
的two previous points made it possible to define a maximum budget and a search area. It remains to define and find the ideal good. Should we choose a studio, 2 rooms, a lot of parking? Buy Pinel tax exemption law? It is important to understand that a real estate investment is something personal: the ideal good is different for each person. Upstream, the future investor will have to determine his objectives to make his choice on the best type of property possible. Several motivations can indeed push to invest, of which the most current are: to constitute a patrimony for a supplement of retirement, to tax, to buy a home to accommodate his children or parents later, to finance his future second home by renting for a few years …
Several ways are available to find the ideal property, with the Internet in the first place. 的web is full of real estate ads. It is easy to make a selection of properties corresponding to its budget and its area of research. Going through local real estate agencies can help save time, as they can offer properties they have for sale. While the use of real estate agents is traditional, other means are less well-known, such as hiring the services of a real estate hunter or wealth management advisor. After having identified the client’在项目（投资目标，地理区域，财产类型等）中，这些专业人员搜索相应的财产。这样可以避免访问每个酒店或在互联网上浪费时间来浏览每个站点的每个报价。
- 失去了“instinctive” side of your choice
的“heart stroke” is the number one enemy of the real estate investor. Unlike the acquisition of a principal residence, the rental-purchase is based on practical and rational criteria, with the quality of the location and the potential profitability of the site. These two criteria are directly related to the wishes of a tenant: to have a housing close to its amenities in a reasonable budget. 的housing acquired must please a maximum of people. Better to forget the charm of the atypical or a campaign too remote, and keep in mind that few tenants are willing to pay more for accommodation “heart”。偏好合理的空间（直角）和实用的空间（壁橱或储藏室，厨房）…），请记住，我们不是自己选择住房，而是要有最大的运气来轻松，可持续地以有利可图的方式出租。
的profitability of a rental investment is paramount, whatever the objective. 的examination of this criterion could, in particular, make it possible to compare two goods before choosing one for the purchase. 的gross yield is the annual amount generated by the investment, compared to the sum that had to spend to get it. It is expressed as a percentage. In terms of rental investment, it is calculated as follows: (Sum of annual rents –年度支出的总和）/物业的购买价。
- Getting closer to 自负盈亏
从财务上讲，最好的房地产投资是“self-financing”. That is to say that the rents collected cover entirely the monthly payments of the credit which is bound to him. However, few properties allow this for the purchase of rental housing without input. 的goal is to obtain the best financing ratio rather than to achieve 自负盈亏 . Let’s go back to the previous example. By financing the acquisition of a real estate property at 100% by borrowing at a rate of 1.6% for 20 years, we arrive at a monthly loan of 620 euros for 322 euros rent. 的saving effort is therefore nearly 300 euros per month.
To optimize financing and reduce your savings effort is possible to increase the initial contribution and reduce the amount of the credit. In the previous case, for housing to be 自负盈亏 it would be necessary to make a contribution of 50% of its price or 60,000 euros. Optimizing financing means finding a balance between the investor’可动用的储蓄，他同意的储蓄努力，收购所需的信贷额和产生的租金。
When you invest in housing, you are exposed to tenants not paying their rent. If the monthly payments of a credit are at the same time to repay, it can plunge the owners into a difficult situation. 的first rule: get into debt in reasonable proportions, so that a possible failure of tenants do not hurt the finances of the household. Second rule: guard against non-payment of rent by subscribing an Unpaid Rent Guarantee with an insurance company.
杰森·哈特曼 is the founder of the Platinum Properties 投资者 Network, Inc. helping thousands of people to achieve 的American Dream of financial freedom by purchasing income property in prudent markets nationwide.