Dean Graziosi’s Real Estate

Expertise is so essential when it concerns purchasing property. Dean GraziosiCheck out on to learn some terrific recommendations about getting started in the field of real estate.

Dean Graziosi Huffington Post

Your credibility is vital to the success of utmost significance when you venture into realty financial investments. This makes you integrity with the area and assists you gain their loyalty.

Find similar individuals with similar minds and speak with them. There are a lot of individuals curious about property. There are most likely lots of groups creating in your area that focus on this type of thing. If you cannot discover one close by, you can find online forums online where other investors hang out. Go out there and see what your peers.

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There are to essential rules to making a financial investment in an industrial or commercial property market. You wish to see to it that you get a fair bargain on the land. Do not pay too much cash on business itself. You should settle on great numbers in order for you to make the property is something you’re interested in.

Be sure to select areas that are in a widely known location in which possible occupants might be interested. This is vital because it will make best use of the value that you get when selling. Try looking for properties that can easily be maintained.

Land that is situated near water or in the future.

Don’t spend your money in genuine estate with doing the field. Errors in investing can be incredibly costly.

It could well be unlawful for you to dig, and it pays to discover this out up front.

Do not get realty found in bad neighborhood. Know all there is to find out about the property before you purchase it. Do all of your research prior to you decide. A bargain on a good house could imply that it’s in a bad location. It may be tough to offer this kind of home and this sort of house can be vandalized easily.

Ensure you’re getting back your investment, plus an added profit.

Don’t permit your emergency situation reserve or cash fund. Investing in property requires a great deal of money that you can not get back immediately. Be specific that you can manage this without triggering financial pinch as an outcome.

Do not buy a property merely to increase the number of investments you hold. Investigate each home extensively before you invest and keep in mind quality over quantity. This will certainly help secure your financial investments.

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Work well and play will certainly with other real estate investors. This allows you to share resources and resources. You can find a great deal of potential and eventually pleased clients if you help one another. This is the secret to developing excellent will definitely help improve your track record.

Don’t invest in property if you don’t have a cash reserve. This reserve can be made use of for the remodellings that you do. Another factor for having money is simply in case you cannot lease the home swiftly. You still have to think of costs even when your property is unoccupied.

Ensure to have the home for needed repairs prior to making a purchase. Repairs require to be made before offering the house. Factor upkeep into your budget if you intend on leasing any piece of property.

These various legitimacies are going to vary from city to city so it assists to understand exactly what to anticipate ahead of time. Speak with regional officials to guarantee you stay within the law before you sign any contracts.

Avoid novices when looking for good real estate agents. You need to have a skilled expert if you’re going to discover the very best opportunities.

Be ready and willing to make sacrifices. You will certainly invest a bit of time in genuine estate investing. You might end up needing to quit much of your luxury costs in order to have adequate space to find success.

Avoid investment properties that are too costly or inexpensive. Buying homes too cheap is a waste of money on upgrades. Look for an affordable price home in suitable condition with fairly low maintenance.

You can be sure that you’re making excellent choices when you put in the time to study investments in property. Plainly, you have to make sensible choices and stay clear of investments that will certainly not pay off. Work gradually and regularly toward your goals, and you make sure to meet success.

Links on Real Estate:

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Foreclosures — From a Flood to a Dribble


It’s been an exciting seven or eight years for real estate investors. The flood of foreclosures that began in late 2006 raged for a couple to three years, then began to subside. All through this time, investors were snapping up properties, doing fix & flip, and turning homes into rentals for long term investment.

In the most recent three years or so, it’s been slimmer pickings. Investors have had to be more selective, market harder, and crunch the numbers more carefully. It has been working, as real estate investment is still making money. Large institutional investors jumped into the fray and converted tens of thousands of homes to rentals. This tightened supply and prices have risen, but we’re still out there doing profitable deals.

Underwater Homes Report & Outlook

CoreLogic recently released a report dealing with home equity, underwater properties, equity increases and more. Here are some highlights:

1. 10.8% of mortgaged homes have negative equity.
2. That’s roughly 5.4 million homes.
3. The aggregate value of negative equity increased by $ 7 billion from the third to the fourth quarter of 2014.
4. 20.0% of residential properties are under-equitied – meaning they have less than 20% equity.
5. 2.8% of homes, 1.4 million, have less than 5% equity.
6. Of residential properties with a mortgage, 1.0 million or 2.1% have a loan-to-value ratio of 100% to 105%.
7. Another 2 million, or 4% of homes, have a loan-to-equity ratio greater than 125%.
8. 3.2 million upside-down borrowers hold a first mortgage without a home equity loan.

Despite a lot of good news about home prices and buyers returning to the market, this data tells us that there are still a lot of homeowners out there in pain. While many under-water owners can remain in their homes and wait the market out, many will need to move for employment or other reasons.

With more than 5 million homes still in negative equity territory, there will be more foreclosures coming, just more a trickle than a flood. Those in positive territory but with less than 5% equity are also at risk, as they may not be sellable to cover costs. If the owners can’t bring cash to the table to close, they may just let the home go.

With 2 million homes with a mortgage 25% higher than value, it could be a very long time before prices correct enough to float those owners. The 3.2 million upside-down borrowers who only have a first mortgage will be candidates for investor marketing, short sales, or foreclosures at some point.

Though many economists place housing as the top factor in economic health in the U.S., it’s going to take more than rising prices to float the market. The economy is still in a funk, and employment opportunities are not healthy from a historical perspective. College graduates in particular are moving back in with parents or renting because they don’t have a down payment or enough faith in the housing market to commit to buying a home.

Real estate investment will remain healthy, but investors will need to sharpen their pencils and adjust their marketing to profit from this trickle of bargains to come. Real estate is local, and some markets will be better than others, but on average there will be bargains trickling down in the near to mid-term future. Investors holding rental properties may be able to profit by selling them at higher prices and buying replacement properties using a 1031 Exchange to defer capital gains. Profiting from both the improving price market and grabbing bargains as well should make for interesting investment activity in the next few years.

Make sure to check out Dean’s other Huffington Post articles:

2/24/15 Self-directed Retirement Accounts and Turnkey Rental Investing

2/17/15 Enthusiasm for 2015 Housing Markets

2/13/15 Trulia Asks: ‘Are We Past the Flipping Point?’

2/5/15 Is Multi-Family Worth a Look for Your Portfolio?
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Peer-to-Peer Lending Is Growing in Popularity with Investors


Whenever a concept is catching on, there will be a lot of Internet chatter about it. There are quite a few articles on financial and investing sites these days about peer-to-peer lending. It’s a good thing, as investors are constantly searching for affordable funding sources for their projects, particularly fix & flip deals.

Peer-to-Peer lending addresses three challenges in the investment world:

1. Investors who want passive involvement, less time and hands-on activity.
2. Small investors who do not have large sums to commit to real estate.
3. Investors who want ready access to funds for their projects from less restrictive lending sources.

This concept is particularly suited to commercial properties including shopping centers, office buildings, self-storage facilities, and other real estate types. In the past the lenders involved in these projects were institutional and major banks. That’s changing with more peer-to-peer lending entering the marketplace.

Small investors who want passive involvement with limited capital:

Peer-to-Peer opens up real estate lending to the masses by allowing individual small investors to buy into deals with less money and take a passive role in management and income generation. One peer-to-peer online lender puts it this way in bullet points:

• Purchase a whole loan or a fractional interest
• Terms range from 6 months to 5 years
• Start with as little as $ 5,000
• Investments pre-vetted by industry experts

Now individuals with limited capital can own a piece of a major commercial property and share in the rental income and tax advantages offered by rental real estate ownership on a large scale. These are passive investments without management headaches, taking advantage of professionals. Tenant issues, rent collection, and marketing are all handled by people with experience in these areas.

Over time, commercial real estate has performed more like bonds than stocks or even REITS (Real Estate Investment Trusts). Different lease types allow owner/investors to tailor their leases to the tenants’ type of business and revenue flow. This helps to reduce fluctuations and risks, as well as in structuring a win-win situation for both the owners and the tenants. This creates a more stable cost structure for the tenant which maintains better occupancy over time.

Investors want better access to money with less hassle and fewer limitations:

Investors, particularly those doing rehab work, find the closing procedures of banks and institutional lenders to be cumbersome and limiting. Too much paperwork and other underwriter requirements make it a real hassle to fund projects. The time to put together the application and prove to these lenders the deal is a good one can be too long to keep the purchase alive.

Here are the bullet points on this side of the peer-to-peer process:

• Finance your real estate investment project fast
• Flexible terms
• Non-standard financing is our specialty
• Competitive, transparent pricing
• Funding for all 50 states

Those are all nice features in lending if you’re a fix & flip investor who needs to fund not only the purchase of a property but the rehab as well. For large commercial projects it can bring together hundreds of smaller investors to fund a project with less paperwork and in a shorter approval time frame.

Tax benefits:

Cash distributions to the investors in a peer-to-peer situation can enjoy some tax benefits depending on structure. It’s possible to offset the income distributions with depreciation and interest expense in some cases. At some point there will be tax benefits, even if they are delayed until the sale of the property.

Whether you’re a small investor who would like to own a piece of a major project or an investor seeking financing, peer-to-peer lending can be an attractive investment option.

Dean Graziosi

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