{"id":4059,"date":"2021-09-13T04:05:52","date_gmt":"2021-09-13T04:05:52","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=4059"},"modified":"2026-03-22T14:32:02","modified_gmt":"2026-03-22T14:32:02","slug":"what-is-a-better-investment-stocks-or-real-estate","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/what-is-a-better-investment-stocks-or-real-estate\/","title":{"rendered":"What is a better investment, Stocks or Real Estate?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4062 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2021\/09\/Blog.png\" alt=\"\" width=\"600\" height=\"200\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2021\/09\/Blog.png 600w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2021\/09\/Blog-300x100.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p style=\"text-align: left;\"><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Stock Market Example<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Invest $160,000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10% annual growth<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$504,287 at end of 12 years<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$342,974 at the end of 8 years<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$2,808,354 at end of 30 years<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Griffin Funding offers <a class=\"_ps2id\" href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\" data-ps2id-offset=\"\">DSCR<\/a> (debt service coverage ratio) loans at a ratio as low as .75 to allow you to qualify on the cash flow of the property <\/span><b>only<\/b>,<span style=\"font-weight: 400;\">\u00a0and we even have no-ratio DSCR loans where the DSCR isn\u2019t taken into account for vacant properties that have yet to be rented out. Since the majority of real estate investors typically flip homes quickly or use rental income to repay the mortgages of their investment properties, these loans exclude investors from the rules of repayment that are typically required.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No tax returns or your personal income is required. We look at:\u00a0 Credit score, rental income, appraisal (to ensure you have at least 20% equity), and verification it\u2019s to be used as a rental property and not primary residence.<\/span><br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div><br \/>\n<span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Real Estate Example<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Invest $160,000 in 2 single-family residences (use rental income to qualify)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$400,000 for each SFR<\/span><\/li>\n<li><span style=\"font-weight: 400;\">20% down payment of $80,000 on each property<\/span><\/li>\n<li><span style=\"font-weight: 400;\">5% estimated annual growth\/appreciation (US average 7.72%)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$718,343 in estimated value in each at the end of 12 years for a total of $1,436,685<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$398,343 in estimated equity in each property ($318,343 growth plus $80,000 down pmt) $796,686 in total equity after 12 years.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">$1,728,777 in estimated value in each at the end of 30 years for a total of $3,457,554<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Both properties mortgages are paid off and are free and clear.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tax benefits: depreciation and expenses.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">What is a better investment so far? Stock market or real estate?<\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">Real Estate Example with Leverage<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do the same as above: Invest $160,000 in 2 single-family residences (use rental income to qualify)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What if every 4 years you borrow the appreciation and buy more property with a cash-out refinance? By taking the equity in your property and turning it into cash, <\/span><b>you can use that money to purchase another property.\u00a0 <\/b><span style=\"font-weight: 400;\">You can also accelerate this by using your tax benefits of owning real estate investment property.\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">4 years 4 properties<\/span><\/li>\n<li><span style=\"font-weight: 400;\">8 years 8 properties<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10 years 10 properties<\/span><\/li>\n<li><span style=\"font-weight: 400;\">12 years 18 properties<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated value at the end of 8 years $1,772,405<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated equity at the end of 8 years $474,077<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated value at the end of 12 years $7,974,080<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated equity at the end of 12 years $1,577,395<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated value at the end of 42 years $31,805,959 (since you refinanced or purchased each property on year 12)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Estimated equity at the end of 42 years $31,805,959 (all 18 mortgages are paid off and the houses are free and clear)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tax Benefits: Depreciation and expenses to write off<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">What is a better investment? Stocks or Real Estate?<\/span><\/p>\n<div style=\"text-align: left;\"><span style=\"font-size: xx-small;\">NO ADVISE<br \/>\nThis content is only for the purpose of providing general information on Debt-Service-Coverage-Ratio mortgages for investment properties and<br \/>\nother real estate-related subject matter. Griffin Funding is a licensed mortgage company and is not a real estate brokerage\/agency, real estate<br \/>\ninvestment advisory service, or a real estate investment advisor. We do not tell or suggest to people, what home or asset they should buy or<br \/>\nsell. Griffin Funding recommends that anyone investing in real estate should do so with caution. While we strive to present accurate and useful<br \/>\ninformation, Griffin Funding makes no guarantee of accuracy or completeness. Do not assume that any real estate indicators, insights, charts,<br \/>\ngraphs, data, or information are accurate or will ensure a profitable acquisition or investment. Therefore, you should not rely on Griffin<br \/>\nFunding, and the information and resources contained in this content as a replacement or substitute for any professional, financial, legal, or other<br \/>\nadvice or counsel including but not limited to a licensed real estate agent\/broker, licensed financial advisor\/representative, Certified Public<br \/>\nAccountant\/Tax Professional or Attorney\/Legal Advisor to determine the suitability of any purchase or investment. Griffin Funding makes no<br \/>\nrepresentations and warranties, and expressly disclaims any and all liability, concerning actions taken by following the information or using the<br \/>\nresources offered or provided. In no way will Griffin Funding be responsible for any actions taken or not taken based on the information or<br \/>\nresources provided, use this information at your own risk. If you have a situation that requires professional advice, you should consult a<br \/>\nqualified specialist. Do not disregard, avoid or delay obtaining professional advice from a qualified specialist because of information or<br \/>\nresources that are provided, however, provided. All customers are encouraged to fully investigate and do their own due diligence before<br \/>\npurchasing any property.<\/span><\/div>\n<div style=\"text-align: left;\"><span style=\"font-size: xx-small;\"><span style=\"font-size: xx-small;\"><br \/>\nMETHODOLOGY<br \/>\nAppreciation Rate<br \/>\nThe appreciation rate is the estimated rate at which the property will gain value. However, appreciation is volatile, unpredictable, and not<br \/>\nguaranteed. Appreciation can vary depending on what area of the country the investment property is located and real estate can lose value.<br \/>\nThe example used in this illustration is set at 5% annually. According to the Federal Housing Finance Agency and Core Logic the Average Cumulative<br \/>\nAppreciation since 1991 = 231.62% or 7.72% annually.<\/span><\/span><\/div>\n<div style=\"text-align: left;\"><span style=\"font-size: xx-small;\">Stock Market<br \/>\nThe rate of return used to compare investing in the stock market to investing in real estate was 10% annually over the course of 12 years.<br \/>\nThe average stock market return for the last 30 years is 9.87%.<\/span><\/div>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Stock Market Example Invest $160,000 10% annual growth $504,287 at end of 12 years $342,974 at the end of 8 years $2,808,354 at end of 30 years Griffin Funding offers DSCR (debt service coverage ratio) loans at a ratio as low as .75 to allow you to qualify on the cash flow of the property<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/what-is-a-better-investment-stocks-or-real-estate\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":4060,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-4059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is a better investment, Stocks or Real Estate? - Griffin Funding<\/title>\n<meta name=\"description\" content=\"Thinking of Investing? 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