PropertyInvesting.com | David Ryan | Activity https://www.propertyinvesting.com/members/david-ryan/activity/ Activity feed for David Ryan. Sat, 18 Apr 2026 15:00:05 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 149e83a4437544e90ec5e7510fabfdb3 David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! https://www.propertyinvesting.com/topic/5083677-using-trusts-to-never-get-maxed-out-borrowing-capacity/#post-5084416 Tue, 25 Oct 2022 09:26:42 +0000 I stand corrected.

I thought I saw cheaper rates for individuals – perhaps because it opens up more options when it comes to lenders, e.g. fintech lenders such as tictoc who are competitive on price but lack features like loan splitting (and perhaps reliability etc).

]]> 002f9dee829148884023e976d392c33c David Ryan changed their profile picture https://www.propertyinvesting.com/activity/p/405192/ Tue, 25 Oct 2022 04:54:18 +0000 215acf0a67ad2af276def775d32e4408 David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! https://www.propertyinvesting.com/topic/5083677-using-trusts-to-never-get-maxed-out-borrowing-capacity/#post-5084413 Tue, 25 Oct 2022 04:52:48 +0000 I have been considering this strategy, as the recipient of a $1M inheritance and a borrowing capacity of $700K (I’m in the 37% tax bracket), since borrowing capacity is my limiting factor.

However, I am not convinced it’s the best strategy.

Interest rates are much higher when lending to a corporate trustee with an interest-only loan (vs.…[Read more]

]]> da20a41cb7c81175d74310cfe58e16f4 David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! https://www.propertyinvesting.com/topic/5083677-using-trusts-to-never-get-maxed-out-borrowing-capacity/#post-5084413 Tue, 25 Oct 2022 04:52:48 +0000 I have been considering this strategy, as the recipient of a $1M inheritance and a borrowing capacity of $700K (I’m in the 37% tax bracket), since borrowing capacity is my limiting factor.

However, I am not convinced it’s the best strategy.

Interest rates are much higher when lending to a corporate trustee with an interest-only loan (vs.…[Read more]

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