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Stephen Duncombe
Великобритания
Добавлен 26 июн 2020
I share fun, interesting and actionable property related content on my channel, from my years of experience from owning property in the UK, US and Australia.
I built up a successful career in IT before deciding to quit the daily grind and work on my own terms, starting several businesses along the way and investing the profits into property. I'm passionate about property and started in residential buy to lets in London building a million pound property portolio in my 20's, that has since progessed to commercial property in the US and UK.
I built up a successful career in IT before deciding to quit the daily grind and work on my own terms, starting several businesses along the way and investing the profits into property. I'm passionate about property and started in residential buy to lets in London building a million pound property portolio in my 20's, that has since progessed to commercial property in the US and UK.
Forget Tenant Hassles, Costly Repairs & Eroding Returns
The future of BTL is going to change and it's one without tenant hassles, maintenance and repair bills, constant legislation changes and poor returns.
If you're interested in a way to make more money, in the quickest time with the least amount of risk and aggravation, watch this video until the end.
🌐 Connect in the Free Property Investor Community
👉 community.propertyinvestingwealth.com/home
🏢 Commercial Property Investing Waitlist - UpLevel 🏢
UpLevel your Property Portfolio with Tenanted Commercial Property! Learn how to find, research, analyse, buy and manage tenanted Commercial Property to maximise your cash flow with the least amount of risk and least amount of aggravation to superior cas...
If you're interested in a way to make more money, in the quickest time with the least amount of risk and aggravation, watch this video until the end.
🌐 Connect in the Free Property Investor Community
👉 community.propertyinvestingwealth.com/home
🏢 Commercial Property Investing Waitlist - UpLevel 🏢
UpLevel your Property Portfolio with Tenanted Commercial Property! Learn how to find, research, analyse, buy and manage tenanted Commercial Property to maximise your cash flow with the least amount of risk and least amount of aggravation to superior cas...
Просмотров: 3 772
Видео
Your Attitude To Money & Risk Is Holding You Back
Просмотров 1,2 тыс.6 месяцев назад
I explore why you're not making the kind of money in property you thought you could. 🏘️ Join Property Accelerator 🏘️ 👉 bit.ly/3fyyBpN Learn how to build a profitable and scalable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with your initiall deposit. 👉 bit.ly/3fyyBpN 🏢 Commercial Property Investing Waitlist -...
Where To Buy For Cash Flow in 2024
Просмотров 2,4 тыс.7 месяцев назад
Learn where to buy your first or next buy to let property to maximise your cash flow this year. 🚀 Split £150 credit with Property Data - Find Yield Hot Spots & Research 👉propertydata.co.uk/r/wV31ZGK3 🧠 Property Investing Community Free access to Stephen's property investor community for residential and commercial investors, where you can connect with other property investors to level up and gro...
8 Surprising Habits That Made Me a Successful Property Investor
Просмотров 1,4 тыс.9 месяцев назад
8 surprising habits that made me a successful property investor. 🏘️ Property Accelerator Wait List 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000. 👉 bit.ly/3fyyBpN 📱 Add me on Instagram stephen_duncombe 🔔 Subscribe: 👉 bit.ly/stephenyoutubesub 🧩 Get F...
Can You Really Quit Your Job & Retire on Rental income?
Просмотров 2,6 тыс.11 месяцев назад
How with an average deposit you can make enough rental income in 18 months to replace your earned salary through property investing. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000. 👉 bit.ly/3fyyBpN 🚀 Property Data - How To Source Pr...
Unlock The Secret to High Interest Rates
Просмотров 8 тыс.Год назад
Unlock the secret to high Mortgage Interest Rates for your BTL Investment Property - Cheap Rental Properties. 🔎 Property Data - Split £150 credit 💰 👉 propertydata.co.uk/r/wV31ZGK3 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000. 👉 bi...
Shhh Properties DIRTY Little SECRET...
Просмотров 3 тыс.Год назад
I explain properties dirty little secret that you need to be aware of. This could potential save from making the biggest mistake property investors fall into - off-plan new build flats. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000...
0 to 1 Property = Financially Free (The Secret)
Просмотров 11 тыс.Год назад
How one property could set you on your path to financial freedom. That one property is a commercial investment property. I hope to bust some myths that you may have had around commercial property investing. 🏢 Commercial Property Investing Waitlist - UpLevel 🏢 UpLevel your Property Portfolio with Commercial Property! Learn how to find, research, analyse, buy and manage Commercial Property to max...
HMO's - Cash Cow or Nightmare! (You Decide)
Просмотров 3,6 тыс.Год назад
Everything you want and need to know about HMO's, but were afraid to ask! Do you believe they are a cash cow or a nightmare to own? 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000. 👉 bit.ly/3fyyBpN 🔔 Subscribe: 👉 bit.ly/stephenyoutub...
DON’T WATCH If You Buy BTL Properties In LONDON
Просмотров 2,5 тыс.Год назад
Buying a BTL investment property in London looks like a massive mistake as I look at the last 10 years of data and the cost to get started and show you where you could make more money instead. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with ...
House Buyers Avoid These - 92% of People Make
Просмотров 2 тыс.Год назад
First Time Buyers and most house buyers make mistakes when they buy a home. Avoid making these biggest mistakes to save money, time and ultimately get the house you want. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting with £40,000. 👉 bit.ly/3fyy...
EXPOSED: Serviced Accommodation The Untold Truth
Просмотров 8 тыс.Год назад
Is a Serviced Accommodation business like rent to rent really pay you more money than a traditional long term rental buy to let property when all is said and done? The truth from my own experience. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the potential to replace your earned salary, starting ...
COLD REALITY: No Money Left For BTL Landlords?
Просмотров 4,1 тыс.Год назад
Bank rates gone up for 2 years, house prices up for 2 years, mortgage rates rising fast, is there any money left for BTL Landlords? ✨JOIN this channel to get access to perks and become a MEMBER✨ 👉 ruclips.net/channel/UCVpHdu_k61rZDiBzPvDrlfQjoin 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive income, that has the po...
Watch BEFORE You Buy CHEAP BTL Investment Property Up NORTH?
Просмотров 6 тыс.Год назад
Watch this video before you buy cheap buy to let investment property in the north of england or any region. I discuss 5 critical factors that will help you get laser focused on right area to buy an investment property for the right tenant to meet your financial goals. 🏘️ Property Accelerator Waitlist 🏘️ Learn how to build a profitable property investment portfolio from scratch! Build a passive ...
Sell To Grow - Could This Be The Answer?
Просмотров 1,5 тыс.Год назад
Many property investors tell you to never sell a property! But I have a different approach. If you follow the numbers, you may find that you're already sitting on the answer to become financially independent a lot sooner! Property prices over the last 2 years have been increasing A LOT! This could mean that any property that you own has increased in value over that time, especially if you have ...
Use The 2023 Recession To Build Wealth With Property
Просмотров 3,3 тыс.Год назад
Use The 2023 Recession To Build Wealth With Property
This Will Keep You POOR - Commercial Property Investing
Просмотров 35 тыс.Год назад
This Will Keep You POOR - Commercial Property Investing
The SMART Way To Build a BTL Property Portfolio (FAST)
Просмотров 3,3 тыс.Год назад
The SMART Way To Build a BTL Property Portfolio (FAST)
Building a Property Investing Team in America as a Foreigner
Просмотров 658Год назад
Building a Property Investing Team in America as a Foreigner
How to Buy An Investment Property in America as a Foreigner
Просмотров 4,1 тыс.Год назад
How to Buy An Investment Property in America as a Foreigner
Buying Cheap Investment Property in America as a Foreigner
Просмотров 3,2 тыс.Год назад
Buying Cheap Investment Property in America as a Foreigner
Finding Owner Finance Properties in America as a Foreigner
Просмотров 919Год назад
Finding Owner Finance Properties in America as a Foreigner
Bank of England Just SMASHED The Market
Просмотров 953Год назад
Bank of England Just SMASHED The Market
When To Pick Interest Only & Repayment Mortgages? Buy To Let
Просмотров 1,6 тыс.Год назад
When To Pick Interest Only & Repayment Mortgages? Buy To Let
Find Your Ideal Buy To Let Investment Area in 32 Seconds
Просмотров 955Год назад
Find Your Ideal Buy To Let Investment Area in 32 Seconds
I Just Bought My Fourth Commercial Investment Property
Просмотров 9 тыс.Год назад
I Just Bought My Fourth Commercial Investment Property
How To Buy Your First BTL Investment Property (Start to End)
Просмотров 16 тыс.Год назад
How To Buy Your First BTL Investment Property (Start to End)
Cash Flow or Capital Appreciation - The Right Choice for BTL Investing
Просмотров 1,3 тыс.2 года назад
Cash Flow or Capital Appreciation - The Right Choice for BTL Investing
The 3 Best Types of Investment Properties To Buy (UTOPIA)
Просмотров 1,7 тыс.2 года назад
The 3 Best Types of Investment Properties To Buy (UTOPIA)
The 7 Proven Steps From 0 to Financial Freedom in...
Просмотров 8402 года назад
The 7 Proven Steps From 0 to Financial Freedom in...
Great video ... did you end up selling the 12 properties or just kept them for life ?
Grossly misleading advice. Firstly how about making it clear in your video that this option (TOGC) is only available if the property is tenanted with a commercial lease in place. You then have 30 days after you have purchased to elect the property for Tax. So why would you go through this nonsense of trying to elect a property for VAT that you have NOT yet purchased or may not purchase in the end anyway
The only thing that puts me off is when it comes to refurbishment. There's too many rubbish tradesmen around.
Kindly what is your email . I need your advice please
I want to buy property and renovate and rent it out .I don't know how I can start since I'm a foreigner
Can i talk to you?
If you buying a cheap rundown property surely it doesn’t matter where you buy the property as you will be buying it £50k below market value
Got a program
Definitely considering getting into more commercial property as opposed to residential due to constant political noise against landlords of residential
Hi Stephen, great video! I read in the comments that you're using an LLC. How do you deal with FIRPTA?
There’s several ways. Speak to a good US accountant.
What would you be left with after tax if you bought through a limited company vs as a private landlord already on the 40% tax bracket? That could make a decent vidio
Yes I probably need to do more around the numbers. I try and avoid tax as it can change quickly with new legislation and it’s quite specific to each persons situation.
Love it! Would you do these 10 properties on your name or setup a company?
How much capital does it require to buy property in the US..
Wow, great content!!! I just subscribed to your channel! Just a few questions. - How did you find the broker? - How can any of us, who are not into real estate find a good and reliable one? Thanks for sharing Stephen 🤗🤗🤗
Thanks for the great video. What kind of mortgage do you personally refinance with? Interest only or repayment?
loving these videos!
Thank you so much for this. As a uk citizen, would it be possible to secure financing through an llc? Do you have a video on this?
You can if you have 2 years of accounts with the LLC
@@StephenDuncombetv and if you don’t have that, seller financing?
@ElliottWhite-n5k yes or all cash.
Good video bro❤
Why do most property investors not think of retirement? Why not buy buy to lets, get the mortgage paid off buy the rent within 20 to 25 years then live off the rental income or sell the property? Even if you are not making any net profit, isnt it still better to just keep the property rented until the mortgage is paid off?
Do you have a US bank account? If not, do you use something such as WISE to manage movement of money from US to UK or vice versa?
Yes I do. And use a transfer service ofx.
@@StephenDuncombetv How easy is it to gain a US bank account if owning US property but living abroad (UK)?
@custardpie8101 super easy if you have an LLC and an ITIN.
Brilliant video, really informative 👍
Really helpful 👍🏻
I know you try to find properties that have long-term tenants in place, but would be interesting if you could do a video about commercial properties becoming vacant. I imagine commercial properties are harder to find new tenants, and would be interesting to understand your insights on the landlord being liable for business rates. Honestly, it is these aspects that worry me about investing in commercial property.
Yes they are the risks. I will do a video on those points at some point but I go over the details in my uplevel workshop. Waitlist is in description.
Do tenants always pay business rates or does the freeholder sometimes pay and incorporate into the rent?
Tenants should be the ones that pay the business rates. Otherwise a dodgy landlord could receive the business rates and not pay them.
I suppose if paid by the tenant in a long lease it also removes the issue of business rate rises as it doesn’t affect the LL
Although the numbers may appear good as presented, let's face it, they're not realistic. There will always be some refurb costs, especially at this price point. Also, as the properties are flung all over the place, you'd have to allow for a management company, then ongoing repairs, possibly costs to bring them up to a 'C' rating, periods for un-occupation, cleaning / inventory at changeover etc. Not sure if 80% BTL is realistic, but many interest only motgages also carry hefty arrangement fees. Once all this is factored in, some of these deals no longer appear viable. It would be nice to see realistic and accurate budgeting. Otherwise, investors could be managing a large portfolio and not actually generating any income at all. Our money is for investing wisely, not viewing the world with rose-tinted spectacles.
I included all the numbers you need. If you’re refurbishing a property you would make sure it’s EPC C as a minimum. I was not advocating interest only mortgages in fact you should use repayment and own property debt free. It’s 75% LTV. Again if you have just refurbished a property it’s likely you will not have many repairs to do for several years. Thanks for taking the time to comment though.
Is it possible to get a commercial mortgage without owning a BTL first? Say if you put down 30% rather than 25%?
The deposit doesn’t matter. If you want to find out contact any commercial broker and ask them. 😀
Is it not better to do in a ltd company so it saves capital gains ?
You can do that and pay company tax on the profit.
What legal structure are you using to invest in the US?
LLC
Hi, can you recommend a broker/lender - who do you work with? Many thanks
Thank you so much for this video! My partner and I are London based and branching out into the US and are trying to figure things out on our own so this is priceless coming from a Brit. Here we have Zoopla sold prices to know values and sold prices on a road, down to the door number. Can you do a video on how to find this out in America? Stumbling around Zillow trying to find this info atm. Also there are loads of rental videos, do you know much about flipping out there?
I really like your delivery. It's calm and easy to listen to. I hate property people who shout and use stupid phrases like 'wads of cash' etc....instant distrust for me.
Thanks, I appreciate the feedback.
Wow interesting to hear all the detailed costs like that and also that guests expect a 24 hour on call service. I wouldn't do that, just have an email address and that is all. Is that possible do you think?
Everything’s possible but you’ll get 1 star review if people have an issue and you cannot sort it quickly. 5 stars if you’re on your game.
Good man, thank you for sharing your knowledge 😊👍 Subscribed, will be waiting for more episodes 😊
In which city/town was this property? Or if you don't want to share, would you be happy to share in which county the property was?
Great videos! If I invest in properties in multiple states, will I need an attorney/accountant/realtor for each state etc and will this make the investment less worthwhile?
No you can have one accountant for all your investments. I used a different attorney but it’s per transaction so it’s no different to using different solicitors here. Realtors help you buy/sell property - again per transaction. I hope that helps
Great video..
Thanks I appreciate the kind words.
Best commercial property channel by far!!
Thanks Tim 😀
Iv just come into roughly 80k my plan was to put that into commercial straight away but now youve said we need to at least have 1 BTL property for experience. thats nipped my plans in the bud😂, what ill have to do now then is break that down into 1-2 BTL re mortgage or sell then go from there i suppose🤔 am i on the right track?
Yep getting your first investment property is important if you want to use leverage with commercial.
Stephen do you still run SA now in 2024 ?
Really good information, what's the capital growth like in commercial property?
Location it’s important as land values will impact capital growth. The rental income also drives the value and so can be impacted quickly, if for example you get a higher or lower rent.
I only own commercial property
Me too❤
Did you own a residential BTL first?
@@bartoni79 No
@@manni192 which mortgage company / broker did you use? (If you don’t mind me asking)
@@bartoni79 didn't, bought it outright
Looking at breaking into the us market from the uk as you have. What advice would have for starting out in the us with no history there?
Find someone who has done it before and find out how to do it. There’s too much for me to say in a comment.
Interesting video - I plan to move into commercial property in the not too distant future. In this market what interest rate are you paying for a A1 tenant? I’m finding the yields are pretty low for properties with really strong covenants. But I really need to get educated in this department
You'll find that the yield will vary by location, but you can find exceptions. I would be looking to get minimum 8% yield and you can still get great tenants such as the NHS on long leases in the south east at 10% yield but you need to spend more money on the property.
sounds good..what do you think renting your residential property to the council. cheers.
If the gross rent you make is the net rent you receive and you have no tenant hassles or concerns about legislation changes and there are future opportunities to manufacture growth either from capital appreciation of cash flow then it could be something to consider.
Great video, what’s the website you use to see who’s currently renting it and if it’s FRI?
My favourite website to find commercial property are Zoopla and LoopNet. RightMove is making a come back though with commercial but the search has limitations.
Good information
Thanks for watching 😀
thanks
You're welcome!
Ola Stphen, are in interested in commercial properties in portugal? Seaside boomi g city Algarve?? Has a 15 yr lease with it
Not unless the cap rates are over 20%. I can buy 15 year leases properties in the UK and earn GBP and understand the market dynamics better here. The reward would need to outway the risk.
I am looking to buy first commercial and I could get a decent cashflow with my 150k but then Ill be left trying to save up again but then I could do another live in flip with 50k + loans and then have 80k left of investing in commercial but that doesn't go far. Should I go all in for cashflow and then save up again or should I do another live in flip?
You can still manufacture growth with commercial simply by putting a tenant in a vacant property. You buy it for £150k get a tenant that pays £25k+ in rent, the new value can then easily be worth £300k, you refinance at 75% LTV and go again.
Sounds good bro 🎉