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Showing posts from May, 2020

What are the sources of returns in real estate investing?

Real estate investments in Ireland need significant capital. In general you can get a loan with a 20% down payment (or 10% in certain cases) when buying a property for yourself to live in. Investment property loans (Buy To Let) start with 30% down payments. It’s a big deal! Before you invest, you should check if it’s worth it. You will be locking down a lot of your capital. You could invest it in other ways, for example in a different real estate deal, equities and so on. Let’s start with considering how you make money via real estate investment. I see three primary ways: Income: cashflow + mortgage paydown Appreciation (natural and forced) Inflation reducing the value of outstanding debt Income: cashflow + mortgage paydown The first one is pretty obvious! If you rent the property it should bring you some income. I divide the income into two parts, cashflow and mortgage paydown. Monthly cashflow is the money you are left with after all the other expenses, taxes and mortgage a

Investing in Ireland is hard and I care

Investing in Ireland is hard! I've been diving into the topics of investments for Irish residents for quite a while and even though I wished that everything was as simple as in USA, there are some good options here in Ireland. The fact that things are harder, doesn't mean that you should give up. But you need to do your research. I'm starting this blog, because I've been struggling and learning for last couple years and I want to share and continue sharing with you what I'm learning. I've been fascinated by the real estate investing and financial independence communities, but most of them are targeted at Americans, and the taxation rules are very different. How do those things translate to the Irish market? Do you know how will you be taxed? I would like to have more high quality content that fits the Irish reality. I hope it will help you on your journey. I come from a perspective of a relatively young high income earner. I am also quite frugal and I actively t