Ejemplos de viviendas multifamiliares
Cualquier propiedad residencial con más de una unidad de vivienda puede clasificarse como una vivienda multifamiliar. Los propietarios pueden vivir en una de estas unidades, en cuyo caso se conoce como propiedad ocupada por el propietario. El propietario recibirá ingresos de alquiler por alquilar las unidades a individuos o familias. Estos son algunos ejemplos comunes de viviendas multifamiliares.
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Dúplex
Un dúplex es una sola casa que se ha dividido en dos unidades. Cada apartamento tendrá una entrada y sala de estar independientes, sin baños compartidos, cocina o espacio de estar.
¿Cuánto deben cobrar los administradores de propiedades por el alquiler? Al alquilar una vivienda, la mayoría sigue la regla del 1 %, lo que significa que el alquiler mensual debe ser del 1 % del valor total de la vivienda. Por lo tanto, si el valor total de la propiedad es de $300,000, el alquiler total debe ser de $3,000. Por lo tanto, cada dúplex sería de $1,500 por mes.
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Tríplex
Un tríplex es una casa que se ha dividido en tres unidades. Al igual que los dúplex, cada apartamento en un tríplex generalmente tiene su propia entrada, cocina, baño y sala de estar. Los tríplex pueden tener varios diseños, como unidades una al lado de la otra o una unidad en la parte superior con dos abajo.
Ventajas financieras de viviendas multifamiliares
Existen muchas ventajas y desventajas de ser propietario de una propiedad multifamiliar. Si bien los bienes raíces pueden ser una inversión importante, obtendrá numerosas ventajas financieras al ser propietario y alquilar una propiedad de varias unidades.
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Ingresos pasivos
The greatest advantage of owning a rental property is you’ll have a steady stream of passive income from your tenants. In fact, the more units you’re able to rent, the more income you’ll generate from your rental business. While you’ll still be responsible for upkeep, you can generally write off business expenses from your annual income taxes.
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Potencial de inversión
While property owners receive income in the form of rent payments, the multi-family home is itself a tangible asset, one that typically appreciates in value.
Investors commonly speak of real estate as a “buy and hold” investment. This means that you’ll purchase a real estate property today and then sell it for a substantial profit several years down the line. If you time the market strategically, you stand to reap major rewards from your real estate property.
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Diversificación
Investors also speak of “diversification,” which means that they distribute their investments across multiple asset classes.
For instance, you might invest in the stock market, but that places your money at risk if your chosen company underperforms. Investing in tangible assets such as real estate ensures that your investments are diversified across multiple types of assets, which can help you in a struggling economy.
Inversión unifamiliar frente a inversión multifamiliar
To be clear, real estate investing doesn’t always require that you purchase a property with multiple housing units. Single-family homes can also make great investments. But how does owning a single-family house compare to investing in a multi-family unit?
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Beneficios de la inversión unifamiliar
Single-family homes offer several advantages, including:
- Lower vacancy rates
- Higher demand for renters vs. multi-unit properties
- Higher rent payments
Additionally, when you’re ready to sell the property, you’ll likely find a larger pool of potential buyers for a single-family home vs. a multi-unit investment property.
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Beneficios de la inversión multifamiliar
On the other hand, a multi-family property offers greater economic potential than a single-family unit for the following reasons:
- More units will provide more opportunities for income
- More units will make it easier to scale your rental business
- More units will lower the impact of vacancies in one or two units
While multi-family units require a larger initial investment, the income from multiple units will provide a greater source of monthly income than solely owning a single-family home.
Qué buscar al comprar una vivienda multifamiliar
Are you thinking about buying a multi-family home? Before you do, here are some of the most important factors to consider:
- Find the ideal location where you’ll have an easier time securing renters
- Partner with a real estate agent with experience in multi-family properties
- Consider the number of units and amenities available
- Evaluate the condition of the building (will it need repairs before renting?)
- Determine local price rates to ensure your property remains competitive
- Avoid properties that have a frequent sales history; this points to problems
- Decide whether you will rent all the units or if you plan to live on the property
Additionally, you may want to consider your own exit strategy. If you invest in a multi-family home today, will you be able to sell the property and get clear of your investment? Failing to consider this may trap you in an investment property longer than you may prefer.
Pensamientos finales
Multi-family homes can provide a great source of income and a solid foundation for your investing future. By properly maintaining and marketing your investment property, you’ll be better equipped to keep a steady stream of tenants.
You can use your cash flow to build your personal wealth or invest in additional properties to scale your business. Either way, you’ll be investing in your future while offering your community another housing opportunity. If you’re not sure how to start, contact a real estate professional to discover your options for a multi-family home.