2d:["$","$L2e",null,{"category":"$2f","relatedArticles":[{"id":"cG9zdDoyNjA5NjA=","databaseId":260960,"postId":260960,"author":{"node":{"id":"dXNlcjoz","databaseId":3,"userId":3,"avatar":{"url":"https://secure.gravatar.com/avatar/47938df052bf0a5283bd6b77ab786737?s=96&d=mm&r=g","size":96,"__typename":"Avatar"},"description":"SmartAsset employs a team of writers and editors with years of experience in the editorial, news and personal finance industries. Some staff members also hold the Certified Educator in Personal Finance (CEPF®) designation from the Institute for Financial Literacy.","additionalMeta":{"expertise":null,"__typename":"User_Additionalmeta"},"email":null,"firstName":"Michael","fullName":"SmartAsset Team","lastName":"Carvin","name":"SmartAsset Team","postCount":{"pageInfo":{"offsetPagination":{"total":1586,"__typename":"OffsetPaginationPageInfo"},"__typename":"UserToPostConnectionPageInfo"},"__typename":"UserToPostConnection"},"slug":"mcarvin","__typename":"User"},"__typename":"NodeWithAuthorToUserConnectionEdge"},"categories":{"nodes":[{"id":"dGVybToxOTkwNA==","children":{"nodes":[],"__typename":"CategoryToCategoryConnection"},"databaseId":19904,"categoryId":19904,"link":"https://smartasset.com/real-estate-investing/articles","name":"Real Estate Investing","postCount":{"pageInfo":{"offsetPagination":{"total":61,"__typename":"OffsetPaginationPageInfo"},"__typename":"CategoryToPostConnectionPageInfo"},"__typename":"CategoryToPostConnection"},"slug":"real-estate-investing","ancestors":{"nodes":[{"name":"Mortgage","slug":"mortgage","__typename":"Category"}],"__typename":"CategoryToAncestorsCategoryConnection"},"parent":{"node":{"name":"Mortgage","id":"dGVybTo4Ng==","slug":"mortgage","__typename":"Category"},"__typename":"CategoryToParentCategoryConnectionEdge"},"__typename":"Category"}],"__typename":"PostToCategoryConnection"},"content":"$30","date":"2024-09-06T13:27:52","excerpt":"

An Airbnb investment could help you earn extra income. But as a property owner, you should understand what Airbnb’s insurance for hosts, known as AirCover, can protect. Hosts should carefully review what is included, such as liability coverage and property damage, and maintain accurate records about their guests in order to prosecute any legal claims […]

\n","featuredImage":{"id":"cG9zdDoyNjA5Njg=","databaseId":260968,"altText":"Airbnb’s insurance for hosts offers property owners coverage.","date":"2024-09-06T13:23:09","fileSize":211512,"mimeType":"image/jpeg","modified":"2024-09-06T13:27:10","sourceUrl":"https://smartasset.com/wp-content/uploads/sites/2/2024/09/iStock-517702502_47b95d.jpg","__typename":"MediaItem"},"modified":{"datetime":"2024-9-6","readable":"September 6, 2024","readableExtended":"September 6, 2024, 1:28pm ET"},"multipleBylinesByRole":{"editedBy":{"id":"dXNlcjoxMTc=","databaseId":117,"userId":117,"avatar":{"url":"https://secure.gravatar.com/avatar/9fffe2eb35204e151b68731435d247c5?s=96&d=mm&r=g","size":96,"__typename":"Avatar"},"description":"Arturo Conde is a senior editor at SmartAsset. He has a master’s from the Graduate School of Journalism at Columbia University and a bachelor’s from the College of Arts and Science at New York University. 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","

If you want to build a real estate portfolio, a financial advisor can help you analyze and manage investments.

","

What Is an AirCover for Hosts?

","

Airbnb’s AirCover for Hosts is a comprehensive insurance program designed to provide added protection for hosts. AirCover for Hosts and its benefits are always included and always free. AirCover includes two primary components: Host Damage Protection and Host Liability Insurance. Together, these protections aim to safeguard hosts from various risks associated with short-term rentals.

","

Host Damage Protection

","

Host Damage Protection under AirCover offers coverage for damage to your property caused by guests. This includes up to $3 million in coverage for the property, furnishings and any vehicles on site, as well as extra cleaning fees and lost rental income. This protection extends to damage from incidents such as fire, water damage or theft, though there are restrictions on things like natural disasters or damages resulting from ordinary wear and tear.

","

Host Liability Insurance

","

Host Liability Insurance, the second key component of AirCover, offers up to $1 million in liability coverage. This protection is designed to cover hosts in case a guest or third party is injured during their stay, or if there is damage to a guest’s belongings. For example, if a guest slips and falls on the property, or if a neighbor’s property is accidentally damaged, this insurance helps cover the associated costs, including medical bills or legal fees. There are several exclusions, including intentional damage or damage caused by intoxicated persons, that hosts should familiarize themselves with if they intend to seek supplemental coverage.

","

Filing a Claim

","

To file an AirCover for Hosts liability claim or damage protection reimbursement request, start by documenting the incident thoroughly. Take clear photos of any damage or injuries and gather any relevant receipts or estimates. Next, go to the Airbnb app or website and navigate to the Resolution Center. From there, select the reservation in question and follow the prompts to file a claim. You’ll be asked to provide details about the incident, including the evidence you’ve gathered.

","

For Host Damage Protection claims, submit your request within 14 days of the guest’s checkout or before the next guest checks in, whichever is earlier. For liability claims, contact Airbnb support directly as soon as possible. Airbnb’s team will review the claim and communicate with you regarding any additional information needed and the next steps.

","

Other Ways Airbnb Hosts Can Protect Themselves

","

","

While Airbnb’s AirCover for Hosts provides some protection, hosts should consider different types of insurance to ensure comprehensive coverage, like maintaining a homeowner’s insurance policy that includes short-term rental coverage. Many standard homeowner’s policies exclude rental activities, so it’s important to add a rider, or purchase a separate policy, that covers the gaps in Airbnb’s protection or can supplement costs if Airbnb only covers a portion of the damages.

","

Another option is to invest in insurance for short-term rentals that is specifically designed for Airbnb hosts. These policies can offer broader coverage, including protection against guest-caused damage not covered by AirCover, loss of income due to cancellations, and even extended liability beyond the $3 million limit.

","

Are There Short-Term Rental Insurance Laws?

","

Short-term rental regulations vary widely across states and countries, influencing the type of insurance coverage hosts need.

","

In the United States, local laws like New York City’s short-term rental regulations often have strict rules governing short-term rentals that require hosts to register their properties and carry specific liability insurance. Some cities mandate additional coverage to address potential damage to neighboring properties or common areas in multi-unit buildings.

","

In Japan, the “Minpaku” law regulates short-term rentals, requiring hosts to register with local authorities and comply with specific insurance requirements. In European countries like France and Germany, hosts may need to secure both homeowner’s insurance and specialized short-term rental insurance to comply with local laws.These regulations often include coverage for guest-related incidents and damages to ensure both hosts and neighbors are protected. Failure to comply can result in fines and legal action.

","

Bottom Line

","

Understanding Airbnb insurance for hosts is a key step in safeguarding your property. While Airbnb’s AirCover provides protection through Host Damage Protection and Host Liability Insurance, supplementing this coverage with homeowner’s insurance or specialized short-term rental insurance can offer more comprehensive protection. Additionally, reviewing local regulations regularly will help you avoid hefty fines or unwanted legal liability. Consulting a real estate advisor can offer you more insight into Airbnb rules and regulations, as well as how these costs factor into your overall financial goals.

","

Tips for Real Estate Investments

","$3d","

Photo credit: ©iStock.com/GoodLifeStudio, ©iStock.com/Goodboy Picture Company, ©iStock.com/courtneyk

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Securing a lower mortgage rate will depend on different factors, including your credit score, the size of your down payment, employment history and debt-to-income ratio. Understanding these factors and taking practical steps to improve them can effectively position you to qualify for more favorable rates. Here are four ways to help you qualify for a […]

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","

If you need help with your finances, whether buying a home or saving for retirement, consider working with a financial advisor.

","

1. Improve Your Credit Score

","

Your credit score is used to determine your creditworthiness and it’s based on your credit history. Credit scores range from 300 (poor) to 850 (excellent). Five main factors impact your credit score: Payment history, amounts owed, length of credit history, new credit and the types of credit used.

","$50","

2. Save Enough for a Down Payment

","

The down payment is the initial payment made when purchasing a property. The down payment requirement typically ranges up to 20% of the purchase price of the house. However, the advantages of saving a substantial down payment extend beyond securing better mortgage rates.

","

A larger down payment also results in lower monthly payments and a greater equity stake in the house. The amount of down payment needed can be influenced by various factors, including the loan type, credit score and property location.

","

Several strategies are available to save for a down payment, which might not work for everyone but can be effective for many. For instance, you can set up an automatic savings plan, where a specified amount is transferred from a checking to a savings account each month, which can be beneficial. Cutting back on non-essential expenses, such as dining out or subscriptions, might also contribute to savings. Furthermore, saving unexpected windfalls like tax refunds or bonuses can provide a significant boost to your down payment fund.

","

3. Build a Consistent Employment History

","

","

A consistent employment history demonstrates your financial stability and reliability, therefore, making you a less risky borrower from the perspective of lenders. This perception of reduced risk can enhance your probability of securing a mortgage at a favorable rate.

","

The role your employment history plays in determining the mortgage rate you receive is pivotal. Lenders often view a stable work history as an indicator of financial reliability. As a result, they are frequently willing to offer superior rates to applicants who showcase a consistent employment history. The reasoning behind this is that these applicants are perceived as less likely to default on their mortgage payments due to their stable income.

","

4. Have a Positive Debt-to-Income Ratio

","

Your ability to secure a mortgage with favorable rates is influenced by many factors, with one of the most significant being your debt-to-income ratio (DTI). DTI represents the proportion of your gross income that is allocated towards paying off debts. Your DTI serves as a bellwether for your financial stability, which is the capacity to manage financial resources, meet financial obligations and still have savings left over for unforeseen circumstances. A low DTI is often a sign of high financial stability.

","

Several elements contribute to your DTI, including the amount of existing debt, income level and financial commitments. A substantial student loan or credit card debt can inflate the DTI, while a lower income level can similarly result in a higher DTI. Other financial responsibilities, like car loans or personal loans, can also impact the ratio. To maintain a positive DTI, you can employ strategies such as reducing existing debts, seeking ways to increase income or managing financial commitments more effectively.

","

Other Tips to Find Lower Mortgage Rates

","

Strategies that could enhance your credit score, make a larger down payment or opt for a shorter loan term can help you secure a lower mortgage rate. Here are three common ones to consider:

","$51","

Bottom Line

","

","

A higher credit score, a substantial down payment, a consistent employment history and a lower DTI can contribute toward securing a lower mortgage rate. You can also look into alternative loan types, buy mortgage points and compare quotes from different lenders to help you secure a more competitive rate.

","

Tips for Buying a Home

","$52","

Photo credit: ©iStock.com/Hispanolistic, ©iStock.com/DjelicS, ©iStock.com/Javanmandic

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Real estate crowdfunding platforms have become a popular way for everyday investors to gain exposure to real estate. This type of investment doesn’t require the capital and know-how needed to purchase entire properties, making it a potentially simpler avenue for diversifying your portfolio. These platforms allow individuals to pool their funds with other investors to back various real estate projects, from residential developments to commercial ventures. Today’s market of real estate crowdfunding platforms includes companies like Fundrise and CrowdStreet, each with their own focuses, investment requirements and fees.

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You can also consider working with a financial advisor to explore additional ways to invest in real estate and other assets.

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What Is Real Estate Crowdfunding?

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Real estate crowdfunding is a method of raising capital for real estate projects. Individual investors contribute small amounts of money toward a common goal, enabling them to participate in real estate opportunities that might otherwise be out of reach due to high costs or exclusive access.

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The process works similarly to other forms of crowdfunding, but instead of supporting a product or cause, investors are backing a tangible asset: real estate. Through online real estate crowdfunding platforms, investors can browse and choose real estate projects that align with their financial goals, whether they’re looking for short-term returns through fix-and-flip properties or long-term gains through rental income and property appreciation.

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Most platforms offer two types of investments: equity-based and debt-based. With equity-based investments, investors own a share of the property and earn a portion of the rental income or profits when the property is sold. Debt-based investments involve lending money to the property developer, with returns generated through interest payments.

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Real estate crowdfunding allows investors to diversify their portfolios across multiple properties and locations, reducing their reliance on any single property. But like any investment, real estate crowdfunding comes with risks, including the potential for market fluctuations, delays in project completion or loss of capital if a project underperforms.

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Real Estate Crowdfunding Platforms

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When choosing a real estate crowdfunding platform, consider factors such as minimum investment requirements, fees and the types of projects offered. Here are some popular real estate crowdfunding platforms to explore and compare:

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Fundrise

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Fundrise is one of the most well-known real estate crowdfunding platforms and is accessible to users who are over the age of 18, have a permanent U.S. residency, a valid US tax ID and file taxes in the U.S. The platform offers a range of real estate investment options, including residential and commercial properties, and provides access to diversified portfolios through its eREITs (electronic real estate investment trusts).

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The minimum investment on Fundrise can be as low as $10, making it an attractive option for new investors. One downside, however, is that liquidity can be limited, as funds are intended to be a long-term investment.

","

RealtyMogul

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While RealtyMogul offers opportunities to both unaccredited and accredited investors, certain opportunities are only available to the former. The platform has investment opportunities in both commercial and residential real estate. The platform focuses on larger, institutional-grade properties, and investors can choose from debt or equity investments. Investment minimums typically range from $25,000 to $35,000.

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One unique feature of RealtyMogul is its option to invest in REITs, which provide a diversified portfolio of properties.While the opportunities can yield attractive returns, RealtyMogul may be better suited for more experienced investors with more capital or a higher risk tolerance.

","

CrowdStreet

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CrowdStreet is a real estate crowdfunding platform that specializes in commercial real estate projects. The platform is open to accredited investors and offers direct access to a variety of real estate deals. Investors can choose from single-property offerings or invest in diversified funds. The platform also provides in-depth information about each project, allowing investors to conduct thorough due diligence before committing. The minimum investment is typically $25,000, making CrowdStreet more suitable for investors with significant capital.

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PeerStreet

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PeerStreet focuses on real estate debt investments, offering investors the opportunity to fund real estate loans and earn interest payments. The platform is open to accredited investors and requires a minimum investment of $1,000. PeerStreet allows investors to customize their portfolios by choosing loans that match their risk tolerance and financial goals. One advantage of PeerStreet is its relatively short investment terms, which range from one to 36 months. However, since the investments are debt-based, returns are limited to interest payments rather than property appreciation.

","

Groundfloor

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Groundfloor is a unique platform open to accredited and non-accredited investors, with a focus on short-term real estate loans. Investors can get started with as little as $10, making it one of the most accessible platforms in the real estate crowdfunding space. While the platform’s low minimum investment is appealing, it’s important to note that the projects tend to carry higher risk, as they are typically tied to short-term renovations and sales.

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Frequently Asked Questions About Real Estate Crowdfunding

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What Is the Minimum Investment for Real Estate Crowdfunding?

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The minimum investment varies by platform. Some platforms, like Fundrise and Groundfloor, allow investments as low as $10, while others, like RealtyMogul and CrowdStreet, may require a minimum of $25,000 or more. Investors should choose a platform that aligns with their available capital and financial goals.

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Do I Need to Be an Accredited Investor to Participate?

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Not all real estate crowdfunding platforms require accreditation. Platforms like Fundrise and Groundfloor are open to non-accredited investors, while others, like CrowdStreet and PeerStreet, are limited to accredited investors who meet specific income and net worth requirements.

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How Long Will My Money Be Tied Up in a Crowdfunding Investment?

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Investment timelines vary depending on the platform and the specific project. Some platforms, like PeerStreet, offer short-term investments with durations of one to 36 months, while others, like Fundrise, may require longer commitments of several years.

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Is Real Estate Crowdfunding Safe?

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As with any investment, real estate crowdfunding carries risks. While it offers the potential for attractive returns, there’s also the possibility of losing your investment if a project fails. Investors should conduct thorough research, diversify their investments and only invest funds they can afford to lose.

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Bottom Line

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Real estate crowdfunding platforms provide an accessible way for investors to diversify their portfolios and participate in the real estate market without owning entire properties. While this investment avenue offers lots of opportunity, don’t overlook the risks involved. If you’re interested in real estate crowdfunding as an investment opportunity, there are several platforms that can help you get started. The right one for you depends on your financial goals, risk tolerance and available capital.

","

Tips for Investing in Real Estate

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When going through a divorce, an important financial decision that many couples have to face is whether one spouse may have to take over the mortgage of a shared home (referred to as mortgage assumption) or refinancing after a divorce. This decision will depend on the mortgage terms and each spouse’s individual financial situation. A […]

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A financial advisor can also help you create a financial plan that addresses your needs during and after a divorce.

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What Is a Mortgage Assumption?

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A mortgage assumption is when one spouse takes over the existing mortgage in their name, and assumes full responsibility for the loan’s payments and terms. The original loan terms remain intact, including the interest rate, which can be beneficial depending on current mortgage rates. However, not all mortgages are assumable, and the lender must approve it after performing a credit check and income verification.

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What Is Refinancing?

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Refinancing your mortgage is a common choice when the original loan is not assumable or when new loan terms are more favorable. When you refinance after a divorce, either you or your ex will apply for a new loan with new terms, which can include a different interest rate, loan length and payment structure. Refinancing may also come with closing costs and fees, and the spouse applying for the refinance must qualify for the new loan based on their individual financial profile.

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Mortgage Assumption vs. Refinancing Key Differences

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Understanding the key differences between mortgage assumption and refinancing is important during a divorce, as it can impact how you manage the property and finances after the separation. Here are five key differences:

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Alternatives to Mortgage Assumption and Refinancing

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Here are three general alternatives to consider when going through a divorce:

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Mortgage Assumption vs. Refinancing: Which Is Best for You?

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Consider your financial capability. If you cannot qualify for a refinance on your own, assuming the mortgage may be your only option. Refinancing may be a better choice if you can lock in a lower interest rate.

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You should also think about the home’s equity. If there is significant equity in the property, a buyout may be necessary to compensate the spouse relinquishing ownership. Refinancing could also help access some of that equity, which may be useful during divorce negotiations.

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Emotional attachment is another factor. If one spouse wants to keep the home for personal reasons, either option can allow the other spouse to be removed from the mortgage without selling the property.

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Finally, consider your creditworthiness too, as refinancing requires strong credit. If your credit has been impacted, assuming the mortgage with the original terms may be easier, but make sure you can handle the payments on your own.

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Bottom Line

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Choosing between mortgage assumption and refinancing during a divorce requires careful evaluation of your financial situation, mortgage terms and long-term goals. Mortgage assumption lets you keep the existing loan, while refinancing allows you to start fresh. Alternatives like buyouts or selling the home may offer more flexibility if neither option is suitable.

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Financial Planning Tips

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