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San Diego California real estate Article Summaries
Will You Be the Next Virtual Real Estate Millionaire?
By: David Isaacs: Copyright 2004 Dave Isaacs
http://www.infinite-revenue.com
Have you heard the term Virtual Real Estate?
This is a buzz... note, you WILL be
hearing a lot about it in the coming weeks, months and
years!
Virtual Real Estate, or VRE as it is c...
Fraud in real estate, are you being victimized? - Part II
By: Willard Michlin: The phone range and Peter was on the other end of the line. "Willard, I have a friend of mine that has a real estate p... on the whole deal. To avoid being in this kind of a situation, I advice the following, before doing any sort of real es...
"The Architect" Real Estate Development Design Professionals
By: Colm Dillon: "The Architect" Real Estate Development Design ProfessionalsThose of you who are new to the real estate develo... your country's Institute of Architects is not listed just go to : http://www.google...
The Quantity Surveyor & Real Estate Development
By: Colm Dillon: Those of you who are new to the real estate development business, need to understand what each Design professional con... of the Design Consultant Team and work closely with developers, architects, engineers, contractors, suppliers, accounta...
How to Build a Real Estate Investing Power Team
By: Adem Hamidovic: As you continue to read about real estate investing, you will no doubt come across the term 'power team'. What is this... My power team was now complete!I've since become good friends with Elizabeth, and she regularly sends me listings that ...
Featured Article
Finance Your Real Estate Investment Properties
Peter Dobler
Copyright 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
San Diego California real estate Resources
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San Diego Real Estate - Visit REALTOR.com to find real estate in the San Diego; California area. Find San Diego homes and real estate for sale by using REALTOR.com's San Diego map and other home search tools!
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offers real estate and homes for sale in San Diego; La Jolla; Del Mar; Rancho Santa Fe; and surrounding areas. California - San Diego - Real Estate Agents - Residential
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offers San Diego area MLS home listings as well as real estate buying and selling services. California - San Diego - Real Estate Agents - Residential
San Diego California Real Estate
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San Diego Source - Real Estate
The San Diego Source is your city guide to San Diego. We've got San Diego news; business; finance; real estate; construction; legal ; government; education and statistical information.
San Diego Real Estate - Mike Barnett
San Diego real estate; listings; San Diego; California; homes for sale. Your San Diego California real estate resource center; find mls listings; condos and homes for sale in San Diego California.
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... Come surf the. San Diego California real estate market ... San Diego CA e-mail Newsletter. San Diego California Real Estate News ...
San Diego Real Estate Professionals
San Diego Real Estate - Fred Gregory and Linda Gregory Real Estate Team. Serving San Diego; Fletcher Hills; San Carlos; Del Cerro; Allied Gardens and the La Mesa; East County area of San Diego. FREE Over-The-Net Home Evaluation. FREE Money ...
San Diego Homes MLS - Full Service Real Estate
San Diego County; California Real Estate along with Homes for Sale in San Diego; La Jolla; Del Mar; Pacific Beach; Rancho Santa Fe; MLS Listings and San Diego County; California Property Listings are all available here.
Rancho Bernardo Real Estate; Poway Real Estate; San Diego Real Estate; Lani Ward
Specializing in Rancho Bernardo real estate; Poway; Escondido; San Diego; Carmel Mountain Ranch; Rancho Penasquitos; North County Inland; Scripps Ranch; and San Diego. Lani Ward helping to find and buy the home of your dreams.
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San Diego Homes for sale in North County - executive homes; condos; townhouses and investment property.
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