Two people, so a saying goes, can look at one thing and see two different things.
In the world of real estate, there are only two people involved in the process, the buyer and the seller. Whoever gets the most benefits, nobody can tell. But whether it's the Investing real estate buyer or the investing online real estate seller's game, getting involved in real estate business can be a very rewarding feat.
Real estate, in a general sense, refers to anything that Investment advice is permanently set on a piece of land such as buildings. The concept investment of real estate lies on the fact that because of real estate property ownership, real estate has turned out to be the most important theme in the business. And when there is a business, there is money.
Nowadays, there are people who buy investment real estate orlando houses not just because they want to own a home but for financial reasons.
Generally, these moneymakers would get a home equity loan from their real estate and then use it as a deposit for another property.
Thereafter, he or she will sell the investment property florida other property at a higher value. This is better known as "flipping".
This is the reason why most mortgage lenders and builders would rather sell their real estate to customers whose purpose to buy a Investment option house is purely residential. Lenders and construction builders see these so-called "flippers' as a treat to their business.
For this reason, many builders include some anti-speculation writing clauses within the sales contract. It is stipulated in the contract that the Investing article owner will be reprimanded if he or she will sell the real estate investor within one year. It may also include a clause stating the defensive privilege of the Investing information builder to buy back the real estate at the selling price. This is applicable if the owner will resell the real estate within a year after the date of purchase.
But nevertheless, there are still people who try speculating investing in real estate especially if they have loads of perspective.
buyers who can compensate the higher rate of the Investment management property plus the cost it brings.
In a basic sense, property owners can do most anything with their real estate. The only drawback is that speculating on real estate investments fads can be really risky because nobody knows if and when the Investing in real estate online "bubble" will burst.
But then, most business experts contend that what you Investing in property depends on your capacity to Investing in real estate take risk. So, if you want more income, you have to take more risk...risks that you're confident enough to face.
Saturday, June 28, 2008
Real Estate Flipping Investments
Thursday, June 26, 2008
Commercial Real Estate, The Asset That Keeps On Giving
A commercial mortgage is different from a agent estate real residential mortgage. In a residential scenario the bank is simply looking at the value of the Investing resource property and the buyer's ability to pay. In a commercial scenario the bank not only looks at the property value and the Investing information credit worthiness of the guarantor, but also the company's financial history and the income generated from the Investment advisor commercial property. It is always good to have someone on your side to make sure the Investment home process goes smoothly.
In many cases it is much more beneficial, as a real estate news business owner, to own your property in opposition to leasing. Commercial mortgages are available, depending on loan-to-value, as stated income or full documentation. These mortgages are also Steps in buying a home available as a fixed or real estate investing tipadjustable rate mortgage. Amortization can be defined at a 30, 25, 20, 15 or 10 year schedule.
Business Mortgages give a residential landlord a choice of different mortgage products for all types of estate investing real commercial properties and with several different mortgage interest options. Specific lenders offer products that real estate investment vary and offer very creative financing solutions for a business. Some programs offer commercial business owners with development options. Large scale apartment estate real sale complexes and high rise developments offer a great Free real estate article source of residual income. Commercial real estate investors are aware of this and are ready to lend for commercial development.
In addition it is becoming more and more common to have Buying a home in bountiful commercial properties that are owner occupied. Whether occupying the entire property or commercially leasing a Buying a new home portion while retaining the remainder, there are options that Buying an investment home make this type of financing possible.
Commercial Mortgage loans are important for all types of Bankruptcy and buying a home business whether new or established. It is a very good way for a company to write off the broker estate real mortgage interest when searching for a Business investment tax advantage. In addition it is a very simple way for a company to create capital when needed. Real estate is an asset that appraisal estate real generally appreciates. Financing secured by an asset is more beneficial for a lender than unsecured financing. Unsecured financing holds more risk for a lender so even when requesting an unsecured line the Business investing lender may require an asset to secure the line any way.
As a business owner there are many ways to create Apartment buying home loan capital, whether through loans, the sale of appraisal estate real stock, or increased revenue. The important part is to Business investing realize that real estate offers an asset that Article estate investment real most likely will not depreciate and can be drawn off on more than one occasion. It also shows potential lenders the stability required to offer a financing package.
Tuesday, June 24, 2008
Real Estate Values - How to lock In Your Current Value Even If Prices Fall
There are many schemes offered by a variety of companies that will help you protect real estate investments values.
The scheme enclosed allows you Buying an investment home to lock in your property's value at its current value even if property prices fall.
How do these schemes work? Let's find out.
What is locking in value?
The price, at which you lock in your property, is the value you locked Buying wholesale home decor it in at and is the minimum price you will receive for it you will receive for it, should you decide to sell it.
Locking in the value of your property at a Buying a new home specific minimum value has advantages for buying on homeowners.
The concept is simple, provides protection of commercial real estate news value (for several years), peace of mind, and comes at an affordable cost.
Set value or a Profit
You therefore have a guaranteed value for your property even, if the market declines. If on the other hand your real estate value rises you can make a profit to.
The option on your locked value can then be exercised at your Real estate broker discretion should you decide to sell it.
You decide
In the event that home prices decline and Real estate article you decide to sell, you may exercise your option. If house prices rise, you will probably choose not to exercise your option. It is up to you what you do.
Assume you are a current homeowner and your house is worth $500,000.
You wish to ensure that Home buying tip even if property prices falls in value, the amount you receive for your property will never be less than $500,000.
You therefore have "locked-in the value" of your property.
In exchange for a small fee you have an option to sell the Estate in investing real property at an agreed price. Which will have locked in the real estates value.
There is no obligation to sell the Buying first home property within the period, at all.
Periods are normally 5 - 10 years
A profit or a set price.
If say in three years time you want to sell your house, and you are offered $600,000, you could accept the offer and make a profit.
If prices drop, and in three years time the best price you can obtain is Buying first home $400,000, you can still sell it for $500,000 at the lock in price.
Peace of mind.
These schemes are becoming more popular as the outlook for home buying advice property prices looks more uncertain.
Homeowners know if prices rise they can make a real estate web profits and if prices fall they have locked in a value.
In the event of price falls commercial real estate news, other properties will have dropped in value.
Homeowners can then buy an equivalent property cheaper and bank the real estate investor websites extra money, or buy a better property with the money they have locked in.
Take a look at these schemes and the prices and real estate investing information you will see they are good value for money for the flexibility and peace of mind they offer.
These schemes are a great tool for Short term investing homeowners to ensure they don't lose and Investing in property if they move in a falling market the benefits are great.
Friday, June 20, 2008
REAL ESTATE: Affordable Apartments For Rent
Whenever someone lands in a new city, especially for a long duration stay, one of the first things that needs to be taken care of is a place to stay. But with the cost of living being so high and with good housing being so rare, it is indeed more important to find affordable apartments for rent. But the point is, how does one go about finding affordable apartments for rent? Well, a good place to start would be the yellow pages or the classifieds of the local newspaper.
Having set up home in several cities across the world, I have become an expert of sorts on finding affordable apartments for rent. Personally, I find the weekend newspaper, especially the classifieds section the prime source of such housing. I have spent several pleasant weekends poring over a city map and the classifieds section trying to locate just the right place, at the right distance from home and work. And more often than not, I have succeeded!
But for whatever reason, if the classifieds does not work, or even if you are absolutely clueless in the new city, one of the other sources that has often worked for me is the neighborhood mart or grocery shop. Have you ever been to one of these places and noticed the notice board or wall behind the counter?
More often than not there are smallish advertisements pasted on it. These are not the multi colored fancy works of art you might find inserted in your daily newspaper. But in any given residential locality they are often the most inexpensive and effective way to find affordable flats for rent in addition to a whole host of other items.
In the worst case scenario, if both the newspaper classifieds and the neighborhood grocery store are not successful in helping you find affordable apartments for rent, then you might have to engage the services of a reliable housing agent. One good way to locate a credible housing agent would be to ask around your office. Your colleagues or even the locals might be able to point you to a good agent who can get you affordable apartments for rent.
Remember however that the housing agent would normally charge you a commission for his/her services. But this is a standard and is applicable in all cities around the globe. Be that as it may, using any of these methods, you are sure to find affordable apartments for rent.
Thursday, June 19, 2008
Real Estate Investing Strategy: Make Money With Wholesaling
Your exit strategy is an extremely important part of your real estate investing business. In fact, it is one of the most important parts. Sometimes investors get excited because they learn how to buy properties, they find them and they get the money lined up to purchase them. But after the purchase, the excitement dies, as they have no idea what to do with their newly owned properties.
You must know your exit strategy when you buy. What do you plan to do with the property? Knowing this allows you to make all types of decisions, from how much to offer, to what kind of financing to use, and more. One strategy is to incorporate wholesaling into your real estate business plans.
What is Wholesaling?
It is simply finding a bargain property and passing it on to a bargain hunter. That bargain hunter will be an investor who will either purchase the property to resell it or purchase it to hold it for rental income. Your profit as a wholesaler should be between $5000 and $15,000 on each house. In some cases it will be higher than $15,000 and on some deals your profit may be a little lower than $5,000.
Why wholesale?
Real estate investors choose to wholesale properties for a few reasons. They could be:
1. Quick cash - it is possible to turn a property around anywhere from 7 to 45 days and get cash in your pocket. If you need to get your hands on some cash quickly, this would be a reason to wholesale. Or, you may not need the cash immediately. You might just want to build your cash reserves. Wholesaling is a good way to do this quickly.
2. Too many houses - maybe you're good at finding houses, but you find more than you need or can use at any given time. If this is the case, wholesaling is a smart move for you. You can still profit from your locating skills, even if you aren't going to keep the property for your own personal portfolio.
3. Flexibility - at any given time, you can determine whether you want to keep a property or sell it. This gives you flexibility as you locate and purchase properties.
An important fact to remember!
Probably the most important thing that you need to remember when you decide to wholesale is: your buyer should get the majority of the profit! This is important because your buyer will be the one to purchase and rehab the property. There has to be enough room in the deal for your buyer to do this and still retain a nice amount of money for cash out and/or equity.
This does not mean that you find properties and give them away for $1,000. Your profit will vary depending on the house, but the better you are at locating properties and putting together offers, the greater your profit will be - while still maintaining an excellent profit for your buyer.
Wednesday, June 18, 2008
Investment Real Estate Advice & Tips
It's funny how often you hear people ask for advice or tips in the investment real estate industry. It's like many people believe that there is just one magic piece of advice that is keeping them from being the next big real estate mogul. It's true there is much you learn while working in the industry but most of it is subtle and can only be picked up through trial and error. Sometimes I can't resist and I answer the question "Buy it cheap and sell it high",of course this really doesn't help any serious investor but it does answer the question.
I've been in this industry for over 19 years selling pre-construction and investment real estate. I remember my first few months with a brokerage when other brokers saw I was focusing on second homes and pre-construction real estate investments they told me I picked the wrong market to specialize in and the bubble is going to pop in a few months. They said traditional real estate is where the money is and no one would invest their hard earned money in properties that aren't even built yet. Here it is almost two decades later and the market is stronger then ever and the bubble never popped and pre-construction real estate is the most sought after real estate in the country. Giving investment real estate advice and tips just comes naturally to me and is in my veins.
The best advice or tip I can give with pre-construction real estate investing is that if you follow the rules below you'll be that much closer to becoming a real estate investor. This is just the basics of basics but should help the novice to mid level investor avoid some pitfalls.
* Anyone Can Be a Real Estate Investor - It's true, there is no secret hand shake or large conspiracy. Investing in real estate is not just for the Donald Trumps and Bill Gates of the world, it's for every decently well off person. Yes you do need money to make money in this industry but you'd be surprised how little capital you actually need, and now with fractional ownership growing in popularity it's even easier for the small investor.
* Research Your Development Before You Buy - This seems like common sense but trust me many investors have bought developers nightmare properties. A good example is a hotel owner here in Orlando couldn't rent out his units for $39 a night so he slapped "Phase One Real Estate Available" on the side of his building and sold each of the units for $79,000 a piece. Here's a free tip, don't be fooled by the "Pre-construction" or "Phase One" hype. If a development is a bad investment it doesn't how early you buy it.
* Find a Trustworthy Brokerage - I hear horror stories every week of an investor doing his due diligence and finding a great investment opportunity only to be talked out of it by his investment brokerage or agent. Keep in mind that many agents have deals with developers so the more the sell of that project the high commission they get from it. So if they convince you to buy their "premiere" property they can receive anywhere from 2-8% more per sale even though the sales price is the same.
* Browse Before You Buy - This is the classic mistake not just in investing but in any market. Don't buy in the first development you see or hear of. Just because it was the first investment real estate project you saw doesn't make it the best. One of the top reasons new investors want to buy a specific project is because a friend of theirs made a lot of money from it and they want to do the same. This is not always the smartest move, the people who buy early are the ones making the bulk of the profit from a development. If you try buying into the same real estate project 18 months after your friend made a killing in it chances are you missed your big opportunity. The good news is there are many other developments opening up out there that are great investments.
Saturday, June 14, 2008
The Truth About Real Estate Investing - Is It Right For You?
You have probably been hearing, seeing and reading that real estate investing is the best thing since sliced bread. There are many late night cable television infomercials spewing out sales pitches for courses that teach you how to buy residential real estate no money down or for next to nothing. Furthermore, polished pitch men on the advertisement emphasize that it is so easy that anybody can do it. They smugly show you that it is simple as they pencil out on the back of a napkin how you will supposedly make a fortune in real estate. Then these real estate investment course promoters show "actual" interviews of people who have reportedly made gobs of money with the course system.
Although it is true that fortunes can be made in real estate it is actually more likely that it will be the guru owner of the real estate course than you! The reason is that real estate investing is a lot harder than most people realize. When you buy, rent, and sell real estate as opposed to stocks you are dealing directly with people and there is not organized exchange to keep things standardized. Don't forget that courts see it as their duty to protect the shelter of families even if they are non paying renters who are total deadbeats. Another problem is that many contractors who do odd fix up jobs for real estate rehabbers are drifters with as many personal and financial problems as bad tenants. They damage houses and are down the street as soon as they get a little cash out of the hapless real estate investor.
It also takes many years to learn how to properly assess value in a town or neighborhood and get the required experience in real estate closings to not have the big profits you initially think you see in a deal leak out. The key point of this edition of the "Wallet Doctor" is that real estate investing is a business. Like any other business it requires constant dedication and education. If you work full time it means losing your free time to your rentals and rehabs. If a property doesn't sell or if the tenant doesn't pay you will have to lose part of your salary to cover the mortgage. You should enjoy your regular full time job because you selected it. If you prefer cookouts and trips to the beach over collecting rent and repairing your residential real estate investment then the stock market is a better place for you.
Tuesday, June 10, 2008
Calpers Real Estate
We invest in a variety of real estate investment vehicles - from apartments to shopping malls. Our three-component real estate program includes partnerships, direct investments, and new investment opportunities.
Refer to our Asset Allocation information to find out how much we currently have invested in real estate.
Calpers Real Estate overview
The CalPERS real estate program is comprised of two distinct portfolios - Core and Specialized. The Core Portfolio is managed to be broadly diversified by property type and geography, maintain high occupancy, emphasize current income, and exhibit prudent use of leverage. The Core includes four property types: apartment, industrial, office, and retail. These investments are acquired and managed through REITs, separate accounts, partnerships, and limited liability corporations between CalPERS and investment advisory firms. The program has developed partnerships with various external managers whose mandate is to explore new opportunities in various real estate sectors.
The Non-Core Portfolio includes the following property types: national housing, single family housing, senior housing, urban, natural resources (timber and agriculture), technology, opportunistic, and international. Like the Core Portfolio, these investments are acquired and managed through multiple investment vehicles.
The goal of the real estate program is to perform as "the investor of choice" and leverage marketplace opportunities to achieve superior risk-adjusted returns.