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Take Advantage of the Subprime Crisis: Portfolio Lenders

How should you reevaluate your long-term investment plan in light of the subprime mortgage crisis? // What I want us to focus on, as 21st century ...

A Look at Mortgage REIT ETFs Post Q2 Earnings

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5 Top Healthcare REITs You Can Buy Right Now

What is a REIT?

A real estate investment trust  is essentially a pool of investor money that is used to acquire real estate assets. Most REITs acquire properties, and these are known as equity REITs, while others acquire mortgages and mortgage-related assets, and these are appropriately labeled as mortgage REITs .

Generally speaking, when you hear the word REIT, it is in reference to equity REITs. For the remainder of this article, if I use the term REIT, you can assume I'm referring to property-owning REITs. If I am referring to mortgage REITs, I'll make the distinction clear (as do most other REIT writers). 

The main purpose of REITs is to give investors access to assets that they otherwise wouldn't be able to buy. For example, not too many retail investors could buy a large office building, and before REITs existed, this was an asset class for the wealthy. REITs allow investors to get exposure to apartment building s, offices, industrial properties, healthcare facilities, and retail properties , just to name some of the most common property types.

Purchased with owner occupied mortgage - can it be rented in the future?

If a buyer buys a property, puts 10% down, gains the advantages of an owner occupied mortgage as opposed to an investor mortgage, lives in it for 6 months, 1 year, or 2 years then buys a nicer home.


The time frame is uncertain, but, no, there shouldn't be allegations of mortgage fraud. Two years is fine. I've heard debates over whether 6 months is too short; I've heard lawyers say to live in a property for at least a year.