Real Estate Investing benefits

“Growing instead of Shrinking


First thing to note in the list of real estate investing benefits is that if you look at the real estate market as a time line compared to the stock market, you will notice that real estate is a growing line with few major fluxuations. On the other hand the stock market has high points and valleys that range from quick high’s to sudden drops through out it’s history. It’s harder to look at the time lines of other forms of investing i.e. currency investing, mutual funds, buying gold and silver etc – but one thing is clear, no other market is as profitable or as safe as the investment real estate market.
Many people ask me “Why is investing in real estate such a safe investment?” and the answer is as simple as it is complicated, the quick answer is “God isn’t making any more of it” the more complicated answer isn’t as poetic. The reason investing in real estate has so many benefits has many factors, I will go over the basics with you now:



Government Tax Breaks – The United States government has setup multiple tax breaks for real estate investors including the very popular 1031 exchange. The textbook definition of a 1031 exchange is:

“”A 1031 exchange or Like kind exchange is defined by section 1031 of the Internal Revenue Code. This code specifies that if an asset, usually some form of real estate such as land or a building, is sold and the proceeds of the sale are then reinvested in a like kind of an asset then no gain or loss is recognized, allowing the deferment of capital gains taxes.”"


The simple explanation is as long as you reinvest the money you made from your real estate investment into another investment you don’t have to pay taxes on said profit. No other form of investing gives you this much freedom with taxes.


Anyone Can Invest – Because real estate investing is so profitable and safe it see’s a huge amount of amateur investors entering the market everyday. Why else do you think all these infomercials are on late at night talking about the millions they’ve made overnight with someone’s CD set? O.k. I’m not saying that buying one of those CD sets will make you a millionaire but they are good to learn the basics of real estate investing from. The big problems with these CD sets is they teach making millions in real estate with bad credit or without spending a dime. This is not the case, 99.9999% of the time you will need excellent credit and a good amount of money for the down payment on an investment property (usually 10-20%).

Other People’s Money – Why invest your money when you can invest someone else’s? One of the big rules in real estate investing is “If someone is willing to flip the bill – let them”. Banks are more then willing to give out a loan to buy houses because unlike other forms of investing they have something tangible they can keep if you don’t pay up. Banks are usually not as willing to give loans for stock or gold investing because the stock you invested in maybe worth nothing by the time you sell and the bank has nothing OR you take your gold and run across the border. Real estate is almost always going to be worth something (often increasing in value every year) and their hasn’t been a recorded case yet of someone taking a house across the border.

Right now the investment real estate market is booming like never before in history and those investing in it are being rewarded more so then in any other time in. If you want more information on this explosive market feel free to visit my website or give me a call and I will answer any question you may have.


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What To Expect From Investment Property Lenders

You may have noticed that the investment sector is starting off to become a lot more diverse and extensive and therefore, investment-related organizations have also evolved to adjust accordingly and make it through the market. You will discover that there are tons of institutions can finance both individual and commercial investments. What this means is that you as an individual may also borrow from these investment property lenders.

 

But precisely what are investment property lenders? They are merely professional loan providers or firms that are willing to offer resources to people who would like to invest in real estate. Their important attribute is always that they are able to provide financial loans to help investors who want to get properties even if it isn’t fully developed or if it is still in a transition period. They provide the loans considering the idea that you as the investor will use the funds to not only purchase the property but also make certain that it’ll be productive for common benefit. The investment property lenders can obtain revenue through a fixed interest rates, nevertheless it could still vary based on the contract between the lender and the investor.

 

The usual features of lending companies include the following:

 

In the event that an investor cannot return the loan within the contracted time on the contract, the investor will probably lose the right to the property and also the financing agency will become the legal owner of the property.

 

The typical maximum amount that lending firms are willing to fund is around ninety % of the value of the investment property. This is a good gain already on the part of the investors who now only need to find the remaining ten percent instead of having to pay a lot more.

 

The financial loans of investment financers could last longer, even as much as twenty years. This is a flexible program, however a few investors ought to limit it down. All this varies according to how you prepare your investments, and so make sure to look ahead of time.

 

Nevertheless, you ought to assume that investment property lenders commonly provide a greater interest rate when compared to other regular financing companies. It could vary, consequently if you prefer a lower rate, you will need to seek out and compare the rates of several financial companies.

 

The agreement for lending the investment cash will be based on the real estate market in a specific location. It could vary from region to region so do not think that since you do have a lower rate in one place that you should assume the same in another.

 

Working together with investment property lenders is one of the benefits of being a real estate investor so long as you prepare before hand. Nonetheless, it’s also sensible to make certain you take heed of your credit standing at all times to make certain that you’ll not encounter any problem later on should you decide to make some loan. The financial organizations will usually insist on the good credit history before they’ll provide you that loan for any particular investment.

Jared T. Coleman is an active real estate investor based in Kansas City, MO. He is a member of the Mid-America Association of Real Estate Investors (MAREI) and works exclusively with investors who want to grow, learn and succeed at real estate investing. Get more information now at http://mareinet.com/.


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How To Use Roth IRA In Real Estate Investing

Traditionally, an IRA was created to save for retirement. You can also invest through your IRA and multiply your retirement savings tremendously.  At the same time, there are huge tax benefits that saves you lots of money in real estate investing.

We explore how you can build your real estate empire by investing through your roth IRA and taking advantage of the tax break.

Traditionally , the custodian of the IRA is the one that makes investing decisions.  In a traditional IRA, custodians can charge huge fees for their expertise. You therefore need a self directed IRA.
You make the investing decisions in a roth IRA.   In addition, a roth IRA is cheaper because you make the decisions.

You can make your real estate investments through your roth IRA.

The main advantages of a roth IRA are
1)     Roth IRA contributions are not tax deductible
2)    Withdrawals are tax free
3)    Your transactions within the roth IRA are not taxable

Since you don’t get taxed on the profits your IRA makes, you save lots of money in your real estate investing deals.  What this means is that if you look for real estate investing transactions that need little capital, you can easily invest using your roth IRA with no taxes on your capital gains.

You end up accumulating lots of cash in your retirements account.  You can continue to use this cash in your real estate investing business while having a tax break that saves you lots of money.

It is important that you get familiar with the type of transactions you can do using your roth IRA and the ones you cannot. You should learn the regulations of IRA investing especially as they relate to real estate investing.

This will make you lots of money by saving on the tax benefits of using a roth IRA in real estate investing.

So how does it work?
There are many types of real estate investing, so it is impossible to give a complete over-view of how it works.  Suppose you are buying a house to flip it as a wholesale deal.   Your roth IRA will be listed as the buyer in the contract.  The earnest money will come from your IRA account.

If you assign the contract to another real estate investor, the assignment fee will go to your IRA account on closing.   In this type of transaction, you can invest to 0 and make 00 in assignment fee – money that goes to your roth IRA account tax free.

Similarly if you do lease to own transactions, you can invest little money from your IRA to acquire the deal.    If you form a land trust to manage this deal, your IRA becomes the beneficiary.

This way, your IRA gets all the monthly positive cash flow.  When you eventually cash out the transaction, the money goes into your IRA.

You can then continue using this money for similar real estate investments and grow you retirement savings.

Again, this is only one example, and you should get more advice and IRA regulations and the type of transactions you can and cannot do.

Using this type of real estate investing model, you can build a huge tax free  retirement savings.  This will build your real estate investing business to new heights.

No matter what type of real estate investing business model you do, it is important to close as many deals as you can spending as little money, time and effort as possible to be profitable. Learn how an automated real estate investor website can simplify your business putting more money in your pockets.


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Advantages and Disadvantages of Lease Option Real Estate Investing

Lease option real estate investing is a creative way to get started in real estate investing. The biggest advantage of this investing method is “control”. It basically gives the investor the right to possess– be in control of– and profit from a property without owning it.

A lease option contract is a combination of two documents. The lease part is where the owner agrees to let you lease their property while you pay them rent for a stated period of time. During the lease period the owner can not raise the rent, rent it to anyone else, or sell the property to anyone else.

The option part represents the right you purchased to buy the property in the future for a specific price. If you decide to exercise your option to buy, the owner has to sell it to you at the negotiated price. The option part of the contract obligates the seller to sell to you during the option period- but it does not obligate you to buy. You are only obligated to make rental payments as agreed during the lease period.

When the lease option contract is written and structured properly, it can provide tremendous benefits and advantages to the investor. If the lease option includes the “right to sub-lease” the investor can generate a positive cash flow by renting the property to a tenant for the duration of his lease, or lease option the property to a tenant-buyer for positive cash flow and future profits. If the lease option includes a “right of assignment” the investor could assign the contract to another buyer for a quick profit. 

Lease option real estate investing, is a flexible, low risk, highly leveraged method of investing that can be implemented with little to no money.

High Leverage

It is highly leveraged because you are able to gain control of a property and profit from it now–even though you don’t own it yet. The fact that you don’t own it also limits your personal responsibility and liability. Only if you decide to purchase the property by exercising your “option to buy” would you take title to the property.

Little to no money

The investor’s cost to implement a lease option agreement with the owner requires little to no money out of pocket money because it is entirely negotiable between investor and owner. There are a variety of ways the option fee can be structured such as an installment plan, balloon payment or other agreeable arrangement between both parties. The option fee can even be as little as .00. In order to secure the property for purchase at a later date, tenant-buyers typically pay a non-refundable option fee of approximately 2%-5% of the negotiated purchase to the seller. Depending on how the lease option agreement is written and structured, the investor could possibly use the tenant-buyer’s option fee money to pay any option fee owed to the owner.

Flexible

It is a flexible method of real estate investing because terms of the agreement like payment amounts, payment dates, installments, interest rate, interest only payment, balloon payments, purchase price and other terms are all negotiated between seller and buyer. Responsibilities of both parties are also negotiable. For instance, if the investor doesn’t want to act in the capacity of a landlord, he could specify in the lease option agreement that tenant-buyer will be responsible for all minor maintenance and repairs and the original seller will remain responsible for any major repairs.

Financially Low Risk

It is low risk financially. If the property fails to go up enough in value to make a profit, you have the purchased the right to change your mind and let the “option to buy” expire. Even if your tenant-buyer decides not to buy the property, you have profited by a positive monthly cash flow from the tenant-buyer’s rent payments and upfront non-refundable option fee.

 

Let’s look at an example of a lease with option to buy structured in a way that the investor profits in 3 separate phases of the investment.

Profit #1 non-refundable option fee

Future sales price negotiated with the current owner is 5,000 with an option fee of 2% of the sales price. Option Fee you owe the owner is ,500. The future sales price you set for your tenant-buyer is 5,000 and the option fee is 4% of the sales price. Option fee the tenant-buyer owes you is ,200. You collect ,200 from tenant-buyer and pay ,500 to the owner and your profit = ,700

Profit #2 cash flow from monthly rental payments

The Monthly rental payment you negotiated with the owner is ,000. You set the monthly payment at ,250 per month for your tenant-buyer. Each month you collect ,250 from your tenant-buyer and pay the owner ,000 each month. Your profit is 0 monthly positive cash flow during the lease period.

Profit #3 is set up when the lease option contract is initially written

The difference in the negotiated future purchase price with the owner and the future purchase price set for your tenant-buyer. Let’s say the property goes up in value to appraise for at least 5,000. Your tenant-buyer decides to exercise their option to buy. You buy the property from the owner at 5,000 and then sell it to your tenant-buyer for 5,000.   5,000 – the 5,000 you pay to the owner = ,000 profit.

 

Of course the key to making lease option real estate investing work, is finding motivated sellers and buyers. Finding these motivated sellers and buyers shouldn’t be difficult. The continuing down turn in the real estate market has created a large number of sellers who can’t sell their property and also buyers who can’t get financing to buy. The seller could possibly get a fair offer to be paid in the future by selling their property to a real estate investor on a lease option basis. A potential tenant-buyer could obtain home ownership without having to qualify through traditional home loan guidelines.

One disadvantage of lease option real estate investing involves the tenant or tenant-buyer possibly defaulting on monthly rental payments. This would make it necessary for the investor to come up with money out of pocket to pay the owner and possibly have to proceed with eviction process. However, there are certain provisions and clauses that can be written into the lease option to deter buyers from defaulting on payments.

If the investor fails to do “due diligence” before entering into a lease option agreement, he could end up with a property that is unmarketable. There could be a number of liens on it, issues involving ownership of the property or it might be in foreclosure. By diligently performing research before entering into a lease option agreement, the investor can avoid these mistakes. A few things the investor could do is– perform background and credit checks on both the seller and buyer, search public records in reference to ownership and property status, or do a title search.

Despite the few disadvantages, lease option real estate investing continues to be an excellent way to invest in real estate with little to no money and low financial risks. It also remains to be an excellent way to gain control of a property you don’t own and create positive cash flow and profits on flexible terms.

Bottom line, the secret to success in today’s challenging real estate investing market is to use only the best creative ideas, proven tools and strategies that have been successfully used by other investors to generate cash flow and profit from today’s real estate market. The more you understand and apply now, the more you will profit from today’s financial crisis.

Elizabeth Brunner, RE Investor

Don’t miss out on your share of real estate profits. Get a full understanding of the concepts and strategies involved in profiting from lease option real estate investing and other creative real estate investing methods by visiting http://www.creativerealestateinvesting101.com


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How Immigration Investment Can Get You an EB-5 Green Card Visa

Immigration investment is a means of fast-tracking your application for an EB-5 green card visa. In considering this, however, it is very important that you fully understand what ‘immigration investment’ means and what pitfalls there may be along the way that could not only affect the success of your application, but also what happens to the investment you will have to make.

Each of these is discussed here in more detail, including a brief summary of what the EB-5 green card visa is, and how you can expedite it being granted to you by making what is generally referred to as an immigration investment.

The EB-5 Green Card Visa

The green card visa grants you permanent residency in the USA, allowing you to live and work anywhere within the 50 states that you choose. If you want to apply for citizenship of the USA, then you will be able to make that application five years after being granted the green card visa. Normally this visa can take ten or more years to obtain, but there is a way of reducing this time period.

The EB-5 Immigration Investment

You can bypass many of the qualifying requirements for the green card visa by making what is known as an EB-5 investment, or Immigration Investment as it is popularly known. By investing 0,000 into a United States Citizenship and Immigration Services (USCIS) approved Regional Center, of which there are currently almost 100 in the USA, you could be granted a green card visa within 6-9 months.

The objective of the program is to generate jobs in the regions concerned, and generally revitalize what have been identified as regions within the USA requiring development and regeneration. By helping financially with the redevelopment of these regions your reward is permanent residency anywhere in the USA.

Qualifications

The visa is not automatically granted, however, and there are some qualifications which is where the problems can arise and why you need expert advice in your choice of USCIS regional center. First, your investment must generate at least 10 jobs in the region.

One problem is that you have a say neither in what jobs are created, nor in how they are maintained so that they last for the required two years until your green card is made permanent. Your investment is theoretically just that – an investment in what is intrinsically a private company.

Why You Need Expert Advice

Because there is so much money involved, and each regional center has its own specific considerations, those that claim to advise you may have a personal interest in specific regional centers and will therefore have an incentive to persuade you to invest in these centers. However, because of the job creation aspect of your choice of center, you should make sure that the program in which you invest has a good record of creating jobs – without which your life in the United States could be short lived.

The competition for investors is intense, because not only are the investment amounts considerable, but the regional centers themselves are under pressure to secure the investment they need to complete their projects. Each center has specific development projects that they are working to complete, and both they and the advisors that they have working for them are under the same pressures to attract your money. It is therefore often difficult for you to receive impartial advice, particularly if you are new to the USA and desperately seeking residency.

The sales pitches made by each center may not accurately reflect the availability of jobs for example, although they could be made with the best of intentions because jobs can frequently be generated once investment reaches a certain level. However, exaggerated claims of potential returns on your investment help nobody. However, some regional centers have already made payments to their investors, and with the right advice you should be able to choose the best or most appropriate regional center for you.

Personal Questions

Some questions you might ask yourself before making your investment are:

* Is the regional center liable to be able to create 10 jobs from your investment?

* Are these jobs liable to last for at least two years?

* How many others have invested in that center?

* How long until the full regional investment needed is achieved?

* Is the value of your investment liable to rise or fall?

* Will you have any say in the management of the investment?

* What will happen to your application if the jobs fail?

* Do those advising you seem credible?

In making your decision as to the program with which your EB-5 immigration investment should be entrusted, and in what advice you should take, pay particular attention to the last of these questions. If you are advised only of the positive aspects of your application, with the negatives or potential problems ignored or played down, then be careful.

You should preferably have all of the above questions answered to your satisfaction, and a reliable and independent advisor will have no problem in responding to any of them. The application is the simple part, but should anything go wrong after that then keep in mind that this might be your only chance for permanent residency for many years.

Make your EB-5 immigration investment only when you are completely convinced that the program in which you are investing can keep to their part of the agreement. Generally they will be able to, but some centers may be better investments than others. Your advisor should be able to help you to come to the right decision that ends with you receiving your Permanent Residency within the year.

Independent advice on how to apply for an EB5 investment green card visa can be found on Steve’s website http://www.whicheb5.com where you also find out more about the Investment Green Card and Immigration Investment.


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Taiwan’s decision to allow investment from China may start a lot of deals to come. (The Bloomberg Edge)
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Hull ? Profit still to be made from buying investment property!

There is still much uncertainty over recent months as to which way the UK property market will go. A reported sharp fall in real estate price all over the UK had started in the summer and now seems to be gathering some momentum. The fall in prices is said to be attributed to the spending cut plans that have been put into practice by the current Conservative / Liberal Democrat coalition government. The UK housing market has experienced a decline in sales of 1.5 percent since April 2009 and the average price of a house in October fell by £2,376. What this means is that there is still a lot of people not willing to put their property on the market until they see a significant rise in prices in order to get a return on their investment.

This could suggest that the time is right to invest in property to lease and the best place to still pick up a bargain is across East Yorkshire and Hull. As we are waiting for property prices to increase in the larger cities, Hull’s diverse housing market still boasts the cheapest prices in the UK for both new builds and Victorian town houses. Couple this with the fact that Hull’s agricultural and industrial sectors are experiencing a large number of migrant workers taking up employment all looking to rent accommodation, makes Hull a prime choice for investment.

Hull’s housing market will eventually catch up with other large cities. The change in pension scheme i.e. Sipps introduction, is generating a massive demand for investment properties, therefore, boosting prices. In April 2006, for the first time, it was proposed that residential properties and portfolios will be allowed to be put into personal pension schemes meaning significant tax breaks. This has created a new surge for investment properties that provide a good return on investment. Areas like Hull are key targets for investors and supply and demand has created an uplift in prices. Interest rates have reduced, boosting affordability. When first time buyers struggle to get onto the property ladder it increases the demand for rented accommodation and raises the rent levels, this is already happening.

WHY BUY PROPERTY IN HULL?

Hull is one of the lowest house price areas in the UK
Higher return on investment
Higher potential growth in capital
Substantial Government and European money
Cheap house prices means lower risk on investment
Excellent communications via M1- North & South, M62 West and the Humber Bridge
Massive investment in the area
High demand for rented properties
Over 300,000 population in city and surrounding villages
Hull’s large Port is set to grow on North and South Bank
Large housing developments happening in the city centre
Top 10 city

If you are looking to buy property for investment purposes, make sure you take on the services of good property managers in Hull. These guys can take the hassle out of preparing and renting a property on your behalf. They can give valuable advice on locations within Hull (like all major cities there are hot areas and some no go zones) based on local knowledge. Make sure they have excellent local contacts and expertise to assist in meeting your requirements and give advise on contractors after you have purchased your property. They should have contacts with a number of specialist tradesmen and companies for any type of property related issues from full refurbishments to minor repairs.

This article was brought to you by Hull Property Managers Premier Properties and our website is www.premier-properties.uk.com. Premier Properties in Hull are a family business and have been in property development / investment in Hull for over 30 years. Dealing in all kinds of property i.e. student, family, commercial, DSS & professional, we are able to offer a personalised service based on our local knowledge. We pride ourselves on being members of the Hull and District Landlords Association and Council Accredited Landlords. Although we will not manage the property for you, we can advise on an appropriate specialist agency dependant on type of tenant. However, we do have many tenants waiting for property and may be able to supply tenants, if required.Visit our Hull Propety Management website to find out more about our services or follow us on our Hull Propety Management Facebook page. Thanks for reading this article and we hope to bring more in the future.


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Few Ideas in Buying Investment Property With No Money Down

Some people may find it intimidating whenever they hear people discuss investing in property with no money down. Nonetheless, it does not really have to be like that. When the credit that’s a lot less than the ideal, it may be tough to open up prospects for a good investment. Nevertheless with the real estate industry today, people now have an opportunity of buying investment property with no money down.

The previous concept is if you would like purchase real estate, there is a minimum of five % down payment. However it moved down to three percent until it was made possible with zero percent. This means major profit for people who want to go for real estate by buying investment property with no money. But you will still have to make sure that the property has great potential, so make sure you do some background checking before you purchase a property.

Should you be thinking how to get started, here are some ways for you to look at when buying investment property with no money.

You may ask if you can integrate into the selling price of the down payment. Of course this will mean that your payment will be a bit higher than before, but it also means that you will be able to get the property without having to spend anything out from your own pocket.
You can also ask if it is possible for you to make an installment plan alternatively for your down payment. It can be a certain amount every month until it is fully paid. The advantages of this is that it will no longer increase the purchase price and your payment for the property and you can also stretch out the amount that is supposed to be given as a larger, one-time payment.

Of course there is also the real estate agent. See if you can borrow his or her commission so you can start buying investment property with no money. Arrange a payment plan with the agent to pay back the commission.

Another option that is not always discussed is the possibility of a trade. It can be something material or it can also be a service. This will then pay for the down payment. This option is particularly advantageous to those who have a business or at least have some special skills. But there is also the potential of trading something material that you have. It never hurt to ask for possibilities and you may both win in the end.

The best potential properties you can have without a requirement for a down payment are foreclosed properties or even those properties that are listed for foreclosure. The lenders will want to sell the property so that the payments for it can continue while home owners would want to save their credit score and will often be willing to sell the property for less than it is usually worth, and even without a down payment.

There are also various banking institutions now that have programs for individuals who are interested in buying investment property with no money. You must make sure to ask them in case there’s anything like that available on the financial institutions near you.

Aside from these suggested tips, there are still some other opportunities available that we have not tackled in this article. Therefore it’s better to check around and find out to determine if there are other things which can be useful for you. Because the more study you are doing, the greater chances you have for success.

Jared T. Coleman is an active real estate investor based in Kansas City, MO. He is a member of the Mid-America Association of Real Estate Investors (MAREI) and works exclusively with investors who want to grow, learn and succeed at real estate investing. Get more information now at http://mareinet.com/.


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Real Estate Investing Information Benefits

There are many reasons available to invest in the real estate. Investing in a real estate is said to be safer as well as profitable. This became a route cause for you development.


The essential part of the real estate is its growth line. Nowadays, everyone started investing in the real estate business. This real estate business has few fluctuations, but it has strong growth. There are numerous businesses available, compared to this real estate business no one is as popular as this business. In world market compared to other business like currency investing, mutual funds, buying gold and silver, but real estate business is high profitable.


Usually, people ask me a query why to invest in real estate business. The reply will be very simple. Investing in other kind of business, will surely give profit in a reasonable period. Real estate business takes some time, but we surely attain more profits compared to other business.


Tax Rate

American government has imposed multiple tax rate policies for the realtor i.e. the real estate investors, which includes the very popular 1031 exchanges. The definition of this text is “the internal revenue code defines the 1031 exchanges as if a real property asset is sold, and reinvested in some other property it becomes a capital gain. Since no profit or no loss is obtained, it is taxable under the capital gain. Till you reinvest your money in any other real property, you have to pay tax in a lump sum.


Investment

Since real estate investment is more profitable as well as safer, it needs huge investment to enter in to the market. Real estate business does not need any experience. Even if the realtors invest, he can get back his investment in a shorter period. Real estate investing is a business where the investors will invest in a real property. The real estate investors buy the property under a bond and resale the bond to another realtor. Real estate is a contract based transaction. While doing a business investor can hold the property for sometime and if he sells he gets a huge profit.


Someone’s Capital

Real estate business does not need own capital; someone’s money can be also been invested in the real estate business. There are many organizations ready to provide loan. Nowadays banks are ready to provide loan to this realtors. Today realtors are playing their essential role. Real estate market flourishes like never before. Those investing in this real estate business are enjoying the profitable venture. Real estate business is always worthable and they are providing the useful services to the customers.

Ron Victor is a real estate professional for Real Estate Investing Information He written many articles in various topics.For more information about real estate business Visit Real estate investing training Contact him at ron.SEOcopywriter@gmail.com


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Why You Should Finance Investment Property Via Debt

Are you looking to get your feet wet in real estate but don’t know how to begin. If you ask the more creative and experienced of investors, they would suggest that you look for financial institutions that finance investment property. That is, the golden rule of real estate is to use other people’s money to leverage your investments.

Seasoned investors advise against investing scads of money on a single real estate asset, even if you have the funds to do it – simply because it is too risky a proposition. Moreover, you forego the benefits of leveraging.

Nowadays, several reputable lenders offer finance for up to 95% of the purchase price of the property. The most alluring feature of such schemes is that they cut back on your out of pocket costs when acquiring an investment property. Moreover, the finance is typically available in the shape of a single loan, which can be used to invest further in other properties.

The benefits of financing can be better understood with an example. Let’s assume that you purchase an investment property, without financing, for 0,000. If your expected yield from the property is 10%, then you would get returns of ,000, which is a 10% return on your investment. On the other hand, if you get your property financed up to 95%, then you would effectively make the same profit on a mere investment of ,500, which amounts to be an overwhelming 200% return on your investment.

Lenders that finance investment property up to 95% normally offer loans with a 15-year or 30-year term. These loans may either be fixed-rate or adjustable-rate. Lenders verify your credentials, such as your income source, savings and credit score, prior to offering finance. Though low credit scores are permissible by many financial institutions, a healthy credit score does help acquire finance at low interest rates.

While choosing a financial institution that will finance investment property, ensure that you are thorough with the terms of the finance agreement. Although financing your investment property seems like a profitable option, you may not be able to acquire finance for just about any property you desire. Reputable lenders offer finance for no more than 5 investment properties. And this too can be rather tough to accomplish. You need to be eloquent enough to persuade the lender into offering finance.

All in all, it is prudent to seek lenders that finance investment property. Financing empowers you to leap ahead in your real estate career at a rapid pace. It helps you augment your investment portfolio, which leads to significant profits in the long run.

Copyright © 2006 Joel Teo. All rights reserved.

Joel Teo writes on Ahwatukee Real Estate Investment. Learn more about Property Investment by signing up for his free Real Estate Investing Ezine


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buyfirstdeal.com Los Angeles Investment Property – How to Spot Lucrative Deals. In finding a Los Angeles investment property, there are several things that you need to consider. First thing to consider is the value that you can get right after you buy the property. This is commonly called the property’s equity in real estate jargon. It is computed as the difference between the property’s actual value after renovation and how much you bought it for. If you want to learn more on how to spot a lucrative Los Angeles investment property, join our group of real estate investors for FREE at http

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All About Property Real Estate Investing

Investing real estate information permits us to get the information regarding money you have saved, and raise it, by creating your own financial range. Here, you will find practical real estate investing information to help you with your own finances, and information about the different types of real estate investments, such as stocks, bonds, mutual funds, real estate, and others.

Property real estate investing is a very smart way to invest your money if looking for a good return on your investment. You may invest in house to create positive cash flow or looking to buy a home and flip the same for profit. Either way real estate is effective way of investment. The best criteria of buying a property and selling it off at higher rate are of course, location.

The property real estate investment industry had developed over the last couple of years due to the USA housing. Anyhow the market is still of the new companies and newbie’s. The newbie should have the potential to make profit and grab the opportunities that are available in market.

If you are investing in property real estate you should not wait until gets sold, you can rent the same out and earn the income regularly. Because you are keeping your property on rent you get the return on your investment. Another advantage would be the frequency, in property real estate investment you invest only ones and get income regularly whereas if you invest in mutual funds as such, you need to pay regularly.

Investing in real estate property is in a greater degree in your control than other portfolio. The property wherein you are going in to invest is yours and you can renovate it anytime under you needs. Real estate investing is also very secure, because the property market may be hot or cold you may use your property for loan purpose also. And can sell it off when you are satisfied with the in turn.

Investing in real estate property can be very lucrative with many of the investment opportunities being things like hotels in tourist locations and malls in high density population centers. Making you high return on your money. Property real estate investing refers to a wide range of investment strategies that capitalized on investor’s home country. Investing in property simply means investing in a location other than where you live.

Perfect Information of real estate investors to reach record level revenue through internet. To know more about Jeff Adams,Real Estate Investor Websites,Real Estate Web Profits visit http://www.realestatewebprofits.com.To contact the author maximusmejo@gmail.com.


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