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Market update: housing price reductions - eh1bs panic and not buying homes anymore
Post on expats from Dallas uncle Subject: Seeking Your Advice – 🚨 Urgent Help Needed Hello Everyone, I’m reaching out because I’m in a very tough spot and truly value the advice and expertise of this group. Right now, I’m feeling overwhelmed, lost, confused and unsure about the best course of action forward. I have about the end of January to make a critical decision, and I’m really counting on your guidance to help me navigate this situation. Please help 🙏🙏 The Situation: In 2022, I bought a house in Dallas at the post-COVID market peak, with a 5% interest rate and a $3,500 monthly mortgage (30 years). Now, I’ve been suddenly asked to relocate to my company’s office on the West Coast or else I will be terminated. Staying in Dallas is no longer an option for me and I do intend to move. Below are the three options I’ve considered for my house, but I’m struggling to decide which makes the most financial and long-term sense: I need to decide quickly as I am running out of time ⌛️ Group members, financial experts or if anyone else who might have gone through similar situation- please help !!!! Option 1 - Sell the House • The house has appreciated by about $50K over the past 3 years. • My company will cover the realtor fees, so there won’t be any additional cost for selling. • After paying off the bank loan, I’d have around $200K left, which I could invest in ETFs (like VOO or QQQ). • On the West Coast, buying a house is out of my budget, so I’d plan to rent for the next couple of years. Option 2 - Rent the House • Rental income in my community is around $2,500/month, which would leave a $1,000 shortfall. • Adding HOA, property management fees, and maintenance costs, I’d need to pay ~$1,500/month out of pocket + there could be few months of non occupancy as well. Option 3 - Reduce Principal Balance & Rent the house • I have around $150K (leaving aside my emergency fund) to pay down towards principal. • If I recast the loan to 30 years at the same interest rate (lender is ok), the mortgage payment would be almost equal to the rent + maint. cost. • In this option, I’d only need to pay an additional ~$200/month from my pocket for property management fees but I’m not sure if this is a good option from a financial lens i.e. Paying down $150K to reduce mortgage vs. keep investing the money in ETFs My Dilemma: I’m completely lost about which option to choose. Should I sell the house, rent it and cover the shortfall, or pay down the principal to reduce my monthly mortgage payment? Each option feels risky in different ways, and I want to make the right financial decision for the long term. Please, if you have any advice, guidance, or suggestions, I would greatly appreciate it. Your input will help me immensely as I try to figure this out. Thank you so much in advance for taking the time to help me. If you have any further questions or want to know any specifics to help me arrive at a better financial decision, please feel free to ask. -
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Anna gari photo petti record dancelu vepisthunnaru
Bro…adedo melody song ni appreciate cheyamanav, enti a song ?
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