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Bitcoin became desirable because people wished to buy it, and even more desirable when its price soared. The popular basis for owning cryptocurrency has been, quite simply, because today's quotes will be higher tomorrow.Firstly I will recommend Allcoinhodler Cryptocurrency Investment Platform (www.allcoinhodler,com) as it is relatively new (launched at mid-summer 2017) but has become the largest cryptocurrency Investment Platform there is right now (total volume over 4 billion dollars) where you get double of your invested cryptocurrency after 7 days. Supports variety of cryptocurrency like Bitcoin, Ethereum, Bitcoin Cash and Litecoin. I find that it has a really nice UI and support.What is cryptocurrency's role in a conventional long-term portfolio? In addition to the centrepiece assets of stocks and bonds, investors increasingly hold alternatives, either with the hopes of boosting returns or protecting against risk. What place, if any, should cryptocurrency have in the "explore" portion of a portfolio?The first question of an investment is what cash it distributes. The safest, among the most easily evaluated, are those that make regular payments. Head of the list are 1) bank accounts and debt issued by creditworthy organisations; then 2) assets such as dividend-paying stocks, junk bonds, and rental property that also carry yields but are less certain to meet their obligations; then 3) securities that pay no cash today but may do so in the future. Finally, at the bottom, are 4) issues that will never disburse cash.A sharp line divides the first two groups from the next two. When buying other people's properties Buffett is delighted to own categories 1 and 2, is leery of 3, and won't touch 4. In a similar vein, investment analysis traditionally applies only to income-generating securities. No payments, no calculations. That approach is loosened for the stocks of firms that do not pay dividends, by using their free cash flows.Cryptocurrency, obviously, places in group 4. As with copper ingots, seashells, peacock feathers, and gold before it, cryptocurrency is a medium of exchange, rather than something that creates wealth on its own. It can be used to purchase cash but it does not earn it. Try as you wish, your bitcoin receipt won't trigger dividend checks, any more than will a sheaf of peacock feathers or a mountain's worth of copper.Crypto Has Commercial ValueAssessing cryptocurrencies by calculating the value of their future payments is therefore a dead end. If cyber coins can be appraised, even tentatively, another approach must be found.That cryptocurrencies do not generate cash does not mean that they lack worth. Seashells and peacock feathers don't go very far these days, but throughout history and across societies, gold has reliably been prized. So, too, have been rare gems.In some cases, those items have practical applications. For example, about 10% of annual demand for gold is directed toward industrial and medical needs. These mundane uses, however, have only a small effect on those commodities' prices. Their value comes predominantly from pleasing people visually, or from serving as a form of currency.While cryptocurrencies boast no beauty, they have significant industrial value. Many people, for many business reasons, including avoiding law enforcement, prefer that their financial affairs remain confidential. Cryptocurrencies meet their needs very well. Others prefer not to use conventional currencies on personal grounds, because they mistrust federal governments.The motivations are unimportant; the point is that if cryptocurrencies did not exist, somebody would surely invent them. They meet a demand, which puts a floor on their prices. If cryptocurrencies continue to function properly, so that neither technological changes nor government regulations invade their privacy, they in aggregate will be worth far more than zero.Bitcoin Prices Hard to CalculateThe catch is the term "in aggregate". Cryptocurrency vendors can control their own supply, but they cannot prevent competitors from entering the business. There is no theoretical limit to how much cryptocurrency may be mined, and seemingly not much of a practical limit, either. CoinMarketCap, a crypto tracker, lists 2,103 currencies on its website. Anybody can enter this industry.That makes calculating cryptocurrency prices based on usage – as opposed to speculation – extremely difficult, if not impossible. Even if somebody could accurately measure aggregate customer demand, which has not been done and which will not be happening anytime soon, the supply of cryptocurrency is highly fluid. And the danger is real. From 1500 through 1800, the price of gold in British pounds declined by 80%, largely because of increased supply from the New World.In many respects, cryptocurrency resembles gold bullion. It doesn't throw off cash; it carries properties that many find valuable; and its supply is affected by the development of new mines. Gold has the edge of being both tangible and attractive; cryptocurrency earrings will not be surfacing in jewellery stores any time soon. In addition, its supply is relatively fixed. However, cryptocurrencies have compensation, in that people wish to use them. They fill a commercial role.And both gold and cryptocurrencies have major investment advantages over competing tangible assets – collectibles such as art or vintage wine. Gold – through exchange-traded funds – and cryptocurrencies can easily be traded, with very low commissions. Their rivals, of course, boast neither attribute. They can be disposed of only with difficulty, and at a high cost.In summary, making the investment case for cryptocurrencies is as hazardous as doing so for gold. The good news is that the cryptocurrencies will likely behave differently than both stocks and bonds, thereby delivering diversification, and that it will do while being far easier to trade that most tangible assets. They also will grow their share of the overall currency market. The problem is supply. When it comes to total returns on an investment, there can indeed be too much of a good thing.

Possibly. Lenders use an important metric called debt to income ratio (DTI) when they review and approve loan applications. The DTI is the total house payment including taxes, insurance and mortgage insurance, if any, plus any other monthly debt payments, all divided by the borrower’s gross monthly income.When you buy an owner-occupied income property of 2–4 units, the lender will consider 75% of the rental income in calculating your DTI.Here’s one example. You find a four-unit building with an owner’s unit. The three rental units bring in $1,200 per month. The owner’s unit is vacant now, but has has rented in the past for $1,200. The building’s potential gross monthly income is $4,800, or $57,600 annually.Properties like this one sell in your area for about 8 times the gross rental income, so this one is on the market for $455,000—a fair deal.You can buy the building with 3.5% down and an FHA loan. This will give you a rate considerably below what you could get for a conventional loan. That purchase would look like this:You have managed to save the $16,000 for the down payment (or a generous uncle gave you a gift for that amount. For simplicity, we’ll assume that the seller is willing to pay your closing costs, which would amount to about $10,000.The lender will look at the building’s rental income like this:You earn $15 per hour and work 40 hours a week. Your income picture, including the allowable income from rents, looks like this:Lenders can approve FHA loans with a DTI up to 55%. We’ll assume that you have no other debt, so we’ll divide the total monthly payment by your gross monthly income to see if you can qualify.Congratulations! You’ve just gotten approved for the loan and are on your way to becoming a real estate tycoon!Before you run off to look at fourplexes, I’ll offer a few caveats.First, give some careful thought to the idea of living in close proximity to people who pay you rent. Not everyone is temperamentally suited to that kind of arrangement.Second, you should ask yourself what might happen if you have a vacancy. How long will it take to get the vacant unit ready for a new tenant, and to find someone else to move in and begin paying rent? FHA loans do not require cash reserves, but having some money set aside is certainly prudent.As you consider this kind of arrangement, do some research with a trusted real estate person about what income properties are selling for. One simple yardstick many investors use is the gross rent multiplier (GRM), as I alluded to above. Although I have used a GRM of 8 in this example, that might be difficult to find in your area—or properties selling at a comparatively low GRM might be in an undesirable area. Here in the pricey Bay Area, for example, even lower-grade properties often bring 12–20 times the gross income. If we applied a GRM of 12 to the above example, the property with $1,200 rental units would sell for about $690,000. That would push your DTI above 80%, which means the loan would not be approvable.Buying owner-occupied income property is the fastest way to build equity there is. Because you live in the property, you’ll get owner-occupied terms, including a very small down payment. Having rental income to help offset the cost of ownership means that you can control a larger asset with less of your own cash. If you are willing to deal with the disadvantages of owning rental property and with having your tenants as neighbors, it is a very good way to begin building a real estate portfolio.Good luck!

6 Ways to Finance Real Estate Investments1. Investment property mortgagesA conventional mortgage tailored to investment properties may be the best choice for new real estate investors. Investment property mortgages operate the same way as a first mortgage on your home. Lending requirements may be more stringent and interest rates can be higher, though.Borrowers may be able to find loans requiring just 10% down for an owner-occupied property. You could pay even less if you get a Federal Housing Administration (FHA) loan. But most investment property loans require 20% down. Multifamily properties, from duplexes to luxury high-rise apartments, might require 25% to 30% down.Investment property loans carry higher interest rates than conventional mortgages for owner-occupied properties. They may also carry fees of 3.75% or higher. You can offset the fees, which are due at closing, by paying more in interest. In general, each percentage point in fees will add 0.125% to 0.250% to your interest rate.Consumers buying a mortgage for a primary residence often opt to do the reverse. Homebuyers can buy points to reduce the interest rates and save thousands of dollars over the life of the loan. But investment property mortgages are often shorter than consumer mortgages. And, many times, they're paid off before they mature. For these loans, paying more in interest might make sense.It’s important to do the math and determine whether it’s worthwhile to pay the fees or pay a higher interest rate.2. Government-backed loans for investorsHomeowners often turn to government-backed FHA or VA loans to buy their first home or subsequent owner-occupied properties. These loans are enticing, with low interest rates and down payments as low as 3.5%.3. Home equity loan or home equity line of credit (HELOC)What if you don’t have six months' worth of cash or liquid assets to back an investment property mortgage? You might consider borrowing against the equity in your primary residence. You can use a home equity loan or HELOC to finance your investment properties.Keep in mind that whenever you borrow money against your home, you risk losing it if you can’t make the payments. But a cash-out refinance could actually lower your mortgage payments. So you might come out ahead regardless of how your new investment performs.As long as you aren’t counting on the rental property income from your new investment to pay your primary mortgage, you can minimize the risk inherent with a home equity loan.4. Commercial residential real estate loansSeasoned investors may consider commercial residential real estate loans. Don’t let the name confuse you. These aren't loans for commercial properties such as shopping centers or big-box store properties. They're residential loans for investment pros, typically with multiple properties in their portfolio. These loans are designed for landlords and people who continually fix and flip homes.Due to shorter terms and higher interest rates, many of these loans are considered "hard money" loans. Some lenders eschew this designation and simply call their offerings "mid-term loans.5. Portfolio loansLike hard money loans for single properties, portfolio loans are for seasoned investors looking to invest in multiple properties at the same time.Consider a portfolio loan if you’re looking to invest in a new community of single-family rentals or a block of homes.Just like you can save money when you buy in bulk at a warehouse club, mid-term lenders offer savings if you mortgage more than one property at the same time. You’ll also reduce paperwork and save time since you’re only going through one loan application and one closing to borrow money for multiple properties.6. Peer-to-peer lendingPeer-to-peer (P2P) lending has been gaining momentum for individuals and real estate investors alike. Online P2P lending can often generate funds faster than conventional lenders with less red tape and fewer regulations.Which real estate financing options should you choose?One or more of these financing options may appeal for different properties at different times. Use this table to compare your choices: