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Personal Branding Techniques for Real Estate Agents and Brokers By: Dan R. Vella: A key principle of marketing is to find something unique about what you offer as the basis of your sales message. Even... competition 7 Marketing Methods for Real Estate Coaches By: Joanne Victoria: You shower, shampoo, dress your best, check to see if you have plenty of business cards, drive about an hour, introduc... industry, Real Estate, in the center.B. Without conscious thought, jot down anything that comes to mind in relationshi... Real Estate, Invest and Succeed By: Barrett Niehus: Real Estate, Invest and SucceedBy Barrett Niehushttp://www.freetrainer.comMany people are reluctant to invest in real ... asset, and making sure that the income also provides the desired return on the investment.In its simplest form, a real ... 10 “No Money Down” Ways to Buy Real Estate By: Richard Massey: Turn the Television on any Sunday morning and you’ll find yourself in the middle of a “how to buy real estate” infomer... out the many new zero down programs now available from lenders. Especially if you’re a fist time buyer. Also FHA and VA... Real Estate Bankruptcy By: Sajjad Ahmad: Although real estate bankruptcy cases no longer dominate the bankruptcy courts' dockets as they did in the early ninet... In the final analysis, most secured creditors share the same objective when faced with a real estate case: to extract t... Finance Your Real Estate Investment Properties Peter DoblerCopyright 2005 Peter Dobler Unlike traditional residential real estate mortgages, real estate investment financing is way more creative and offers more options than you think. The golden rule in real estate investment is OPM (Other People’s Money). I have enough money; shouldn’t I buy my real estate investment for cash? No, I absolutely advice against investing large sums of cash into a single real estate investment. There are two reasons why not. First, you give away most of your profits by not leveraging your real estate investment. Second, it is far too risky to put every egg into one basket. Let me explain the leverage issue for a moment. I will give you an example of a $100,000 investment property that typically increases its value (appreciates) by 7% average a year. Maybe more, maybe less depending where you live. Paying all cash for this property will yield in a 7% appreciation profit plus the net profit from renting the place. Now you’re looking at roughly 15% of returns. If you’re conservative with your investments you might be satisfied with this kind of a return. These days you might get equal or better returns with other conservative investments minus the hassle of being a landlord. But you don’t mind being a landlord, because you understand and utilize the leveraging method with financing your real estate investment. With the example above you will make roughly $15,000 a year in profits from your investment. Now let’s take a closer look at what leveraging can do for you. Today a typical real estate investor can get financing as high as 95% - 97% of the purchase price. Occasionally 100% financing is available as well. But this would be totally unfair in this example to compare this with all cash purchasing. 15% return sounds like a lot, but wait till you see this. Let’s assume that the rental income will cover all your expenses including the mortgage payments. Taking the same example from before your net return would be the 7% appreciation profits of your property. This would translate into a $7,000 a year profit. With a 95% financing in place you would get $7,000 return on $5,000 (your 5% down payment) invested. This is a whopping 140% return on investment. With the same $100,000 you can go out there and get 20 investment properties, finance 95% of it and make an amazing $140,000 profit a year. This beats the projected $15,000 profits with an all cash transaction any day. Of course you will have a lot of trouble to get financing for 20 properties in a single year. Typically 5-6 new rental property mortgages are the maximum lenders will allow these days. This is the signal to get creative with your financing structures. In this case sellers financing would be your key to achieve your goal of maximum leverage of your investment dollars. Despite the message from all these late night infomercials, seller financing is harder to get than they want you to make believe it is. It all depends on the seller’s ability to offer seller financing and the seller’s motivation. Only about 1 out of 20 properties for sale are able to get seller financing. That means that there’s no mortgage balance on the property. From this narrow selection the seller must be motivated to sell under these conditions. This could be tax reasons, time constraints, personal reasons and many more. As you can see this translates into a lot of work to achieve your goals. But let me tell you one thing. This separates the tire kicker real estate investors from the real go-getters. Wouldn’t you agree that a little bit of hard work and determination is well worth it to build a real estate empire? I think it is well worth the trouble and hard work. At the end of the day you keep building your real estate investment portfolio and sooner than later you will be able to cash in. Sincerely, Peter Dobler (c) 2005 Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Learn more about real estate investments at http://www.suncoastrenttoown.com or send a blank email to mailto:suncoastrenttoown@getresponse.com 
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