13 03, 2021

The less you spend on gurus, the more money you free up to invest

2021-03-15T16:16:54-04:00

What should real estate investors do today? The U.S. real estate market is surging. News headlines say that: Existing-home sales in January grew 23.7% to an annual rate of 6.69 million, compared with a year ago. The median existing-home sales price rose to $303,900, up 14.1% in one year. Housing inventory fell to a record-low 1.04 million units, down 25.7% year-over-year as of January 31. Mortgage rates rose above 3%, the highest since July. What should real estate investors do now? Most investors learn how to navigate changing markets from real estate gurus or from the School of Hard [...]

The less you spend on gurus, the more money you free up to invest2021-03-15T16:16:54-04:00
7 02, 2021

How Foreign Investors Succeed in U.S. Real Estate

2021-02-09T09:22:13-05:00

By working with a local guide, it's easier for foreign investors to succeed in U.S. real estate. The market for existing U.S. homes is booming. The boom is attracting real estate investors from abroad. Foreign buyers bought 154,000 homes in the U.S. in the year ended March 2020. That’s about 3% of all U.S. home sales, says the National Association of Realtors. To succeed as a foreign investor in U.S. real estate takes an experienced guide like Alvernia’s founder, Dr. Rudolph Francis. Dr. Francis brings you decades of experience in U.S. real estate investing. Born in the Bahamas, he’s [...]

How Foreign Investors Succeed in U.S. Real Estate2021-02-09T09:22:13-05:00
9 01, 2021

2021 Offers Great Opportunities for Real Estate

2021-01-05T15:39:13-05:00

As 2021 begins, the housing market presents many opportunities for smart investors. Today, we’ll look at the overall market – and how to maximize curb appeal so you get the most out of your property. What will drive housing in the year ahead? A hot market and low mortgage availability are squeezing buyers who need affordable homes. The better your property looks from the curb, the more valuable it becomes.   Hot housing market means buyers can't afford to buy Despite low mortgage rates, homes are less affordable today than any time since 2008, says Attom Data Solutions. To [...]

2021 Offers Great Opportunities for Real Estate2021-01-05T15:39:13-05:00
5 12, 2020

Negotiate through the pandemic successfully

2020-12-05T11:54:42-05:00

Pandemic challenges real estate investors Active real estate investors are taking advantage of virtual tours during the pandemic. Sales of existing homes are sizzling hot. Almost 7 million homes sold in October, up 26.6% from a year ago, says the National Association of Realtors. Almost 3 out of 4 homes sold in less than a month. So housing inventory is at a record low level of only 2.5 months. Yet, the pandemic presents new challenges to active real estate investors. How do you safely view, buy and sell real estate in a pandemic? As a real estate investor and [...]

Negotiate through the pandemic successfully2020-12-05T11:54:42-05:00
3 10, 2020

Busy professionals balance job demands & investment opportunities to build security

2020-10-04T15:40:49-04:00

Busy professionals' investment opportunities Busy professionals such as doctors, lawyers, and engineers face a dilemma when it comes to meeting long-term financial goals. As a medical doctor, I see it every day. The good news: we’re fortunate to have good incomes and assets – the means to invest and meet goals such as getting kids through college and assuring a secure retirement. Right now many of us see limited opportunities in stocks and bonds, so we’re considering alternatives such as real estate. The bad news: since we work long hours in highly demanding jobs, we lack the time to manage real [...]

Busy professionals balance job demands & investment opportunities to build security2020-10-04T15:40:49-04:00
18 10, 2018

Why Are Real Estate Notes Bought and Sold?

2020-09-25T14:07:08-04:00

Why are real estate notes bought and sold? Noteholders may choose to sell the note to a real estate investor if they have difficulty receiving regular, timely payments on the note or need cash. They sell the note at a discount because it’s based on future payments using today’s dollars. The sale of the note provides instant cash. And it removes a noteholder from any further responsibility for collecting payments. Investors who purchase promissory notes because they offer a versatile, collateral-backed real estate investment, not affected by stock market changes. Since notes sell at a discount, investors earn returns from the [...]

Why Are Real Estate Notes Bought and Sold?2020-09-25T14:07:08-04:00
9 10, 2018

What is the Difference Between a Mortgage and a Promissory Note?

2020-09-25T14:13:25-04:00

Is there any difference between a mortgage and promissory note? People use the terms “promissory note” and “mortgage note” to loosely refer to the same thing. But a mortgage and a promissory note are two very different things. How so? Note A promissory note is an IOU (“I owe you”) on a loan. It is a promise to repay the loan amount to the owner. Unlike mortgages or deeds of trust, promissory notes are not recorded in county land records. The lender holds the promissory note while the loan is outstanding. When the loan is fully paid off, the note will [...]

What is the Difference Between a Mortgage and a Promissory Note?2020-09-25T14:13:25-04:00
25 05, 2018

Rising Interest Rates and Selling Your Mortgage Note

2020-09-29T16:49:17-04:00

Do Rising Interest Rates Make Selling Your Note a Better Way to Secure the Cash You Need? During the financial crisis of 2008, the Federal Reserve Bank (the Fed) lowered the federal funds rate. The prime rate – the interest rate banks use to set lending rates for consumers – fell to encourage banks to lend money and spark growth. As the economy improved after 2008, the Fed gradually increased the federal funds rate to as much as 2.4%. (As of April 2020, the effective Federal funds rate is 0.05%.) How Do Rising Rates Affect the Economy? If the Fed raises [...]

Rising Interest Rates and Selling Your Mortgage Note2020-09-29T16:49:17-04:00
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