Investment real estate is a great addition to an investor’s portfolio for creating wealth and long term capital gains. Every investor seeks ways to increase wealth and reduce risk. This is primarily accomplished through portfolio diversification. The traditional thought promoted by securities dealers is that you need to be diversified into stocks, bonds and mutual funds to reduce risk. These funds are further dissected into small cap companies, mid cap companies and large cap companies in addition to sector funds such as health care, utilities and technology. The types of funds that are available are almost endless. The bond funds are almost as endless as the stock funds. Now I ask you, how does the average securities dealer stay on top of all of these funds selecting the best ones for your situation when he is dealing with multiple clients at the same time? It is a challenging task. Don’t get me wrong, I am not bashing the securities dealers. They play a vital role in wealth creation, however, you need to understand their limitations. Also keep in mind that most securities dealers work for a specific company. That company also has a specific agenda. That agenda may be in line with your agenda and it may not be. How do you know? Remember it is your money and you ultimately have control and responsibility.

Their are funds available that offer you the opportunity to invest in real estate for further diversification via a REIT. (Real Estate Investment Trust). This is one way you can invest in real estate. Keep in mind though, do you understand what the fund invests in, what is the track record of the company and how much of the profits are siphened off for management fees and overhead? That could be money in your pocket! These are things you really must understand. If you are someone that wants to have a little more control over your money and know exactly where it is being invested, then real estate investing through owning investment property or being a private lender to talented real estate investors is clearly an option for you. When you understand and follow the proven principals of real estate investing that have demonstrated success repeatedly over time, in my opinion, it is safer than the stock market and more predictable than the stock market.

Here are just a few of the additional advantages owning investment real estate provides:

• Leverage – The ability to control and grow an asset exponentially without all of the money up front.

• Appreciation- The increase in value of property over time via market appreciation, forced appreciation through higher and better use or rehabilitation.

• Depreciation – Tax advantage right downs on long term held properties.

• Capital Gains – Long term capital gain rates significantly lower than ordinary income rates or short term capital gains.

• Cash Flow – The consistent monthly income provided to you after expenses. If done properly, far out performs the dividends received on stocks or bonds.

• Security – When done properly,your investment capital being secured by an asset that will never be zero. Not necessarily true in the stock market.

• Peace of Mind – Knowing where your money is invested and the details of the investment asset. Do you really know what is going on inside the company of the stock you have purchased?

Investing in investment real estate provides an investor unique advantages compared to stocks and bonds plus diversification for one’s entire portfolio. It is not unusual for the financially astute individual to be invested in stocks, bonds, mutual funds and investment real estate.

Jay Redding

SuperiorPrivateMoneyReturns.com

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Too many investors overlook the lease option as a viable investment strategy, maintaining that it doesn’t make any sense to pay rent for something that you ultimately plan to purchase and resell for profit, the logic being that every month you write a lease check, you are cutting into your profit margin. However, the lease option provides the investor with considerable flexibility without losing too much money (flexibility is an option I would happily pay for). Especially for start-up investors or those who lack the raw cash capital to make a down payment on a home, lease options can be a great way to secure the investment in a competitive market.

Almost every investor has had more than one great deal slip through their fingertips simply because they didn’t have available cash on hand to make an offer or down payment. Although the seller was happy to do business with you, perhaps he was happier to do business with someone who could pay him. What if there was a compromise? It’s called the lease option. The buyer, who perhaps can’t afford the full down payment on the home, negotiates with the seller to temporarily lease the home, with the option (legal right, actually) to purchase the home at a later date and for a specified price. In many cases, that lease money paid can be at least partially applied to the eventual payment on the home, which means in fact you are not losing quite as much money renting the property as people presume. The buyer is at no point obligated to buy, but the seller is bound by the terms and prices laid out in the contract.

This is a great way to secure your stake in a great deal that you might not be able to afford by conventional means. The extra time during which you are leasing (but do not own) the property can easily be used to make the necessary repairs on a rehab project, and since you didn’t have to devote your resources to purchasing the house up front, now that money can be used to add to the value of your (almost) new home. And don’t worry about the original owner recognizing the added value and jacking up the purchase price—he is bound by the contract terms.

After you’ve made your repairs, but before you’ve even purchased the house, you can use your extra lease time to line up a backend buyer to purchase your new home at its proper and newly adjusted retail value. Effectively speaking, that means you could buy the home and sell it in the same day, even the same hour, and not have paid a dime to own the house during the period of rehab (because that cost will either be applied to the purchase, or at the very least covered by your profit margin).

Rehabs are an especially good opportunity to use the lease option, since the extra few months provide the perfect opportunity to get all of your business done before you spend any money: pool your resources for purchase, make your rehab repairs, and line up a buyer for profit. When all that’s done, it’s just a matter of signing a few documents and cashing your check!

Tell us what you think.

SuperiorPrivateMoneyReturns.com

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The counter-offer is an integral part of any negotiating experience, and real estate investing is no different; in fact, this feature of negotiations is so standard that most of us don’t even realize how much money we have lost over time based on the cumulative marginal differences between asking price and sale price. Doing all the necessary preparation, formulating a perfect proposal, marking a formal offer, only to place your business’ potential gains in the hands of some negotiating opponent? It simply makes no sense to do all of that work and then leave it up to someone to decide the terms of a deal. But, that’s negotiating—right?

Wrong. The counter-offer, though standard and highly effective, can be easily avoided altogether with a little bit of tactful negotiation and preparation. If I have to tell you that you should expect your first offer to be rejected and must adjust your values accordingly—well, then you shouldn’t be in real estate. We all know this, and we do it all the time. But what if, instead of simply buffering our initial offers, we learned to make proposals in a way that enticed our opponents to accept the initial terms? This does not necessarily mean accepting compromises in price; rather, it is a simple but fundamental difference in the presentation of the initial offer.

Essentially, avoiding counter-offers can be accomplished by combining the first two offers from a standard negotiation into one initial offer. How? You’ve probably been victimized by this strategy countless times. It’s called the conditional discount, and we see it everywhere. A seller will indicate a price for an item, then indicate a discounted price based on the buyer’s compliance with some minor condition (buy today, recommend a friend—anything). I say ‘anything’ because the condition is irrelevant to the seller. They aren’t interested in selling today versus tomorrow, or in calling your friend (although I imagine those are bonuses); what they really want is for you—the buyer—to feel as though you’re getting a steal. In all likelihood, the cost of the item is the discounted cost. But instead they tell you that if you scratch their back (by doing something simple and easy), they will scratch yours in the form of a discount. That way—and this is the key—you won’t try to haggle for a discount.

Real estate works the same way. Instead of simply making a ridiculously high initial offer (or low, if you are buying), make a ridiculously high initial offer with an option to get a lower offer by doing something easy (close within a certain time, work through a certain lender, etc.). Effectively, you’ve anticipated your opponent’s first move, which is inevitably to probe for a discount. Your discounted price is, of course, the price you wanted in the first place.

When the strategy is written out in plain text like this, it seems too obvious and simple to actually work. You may say, “won’t the opponent just ask for a discount off your discounted price?”. The key ingredient to this strategy is intangible though: it is a psychological trick. The addition of the condition, however minor or irrelevant it may be to you, gives your opponent the impression that you are getting something extra from the deal. More often than not, this has the opposite effect than one might think (one might think the opponent would resent the perceived additional profits and demand further discounts); however, experience shows that people assume that they are doing something for their opponent because it will get them the discount they seek, and so they accept the offer and meet the conditional requirement. Simple, effective, and harmless to try.

Tell us what you think by leaving a comment.

InvestmentPropertyMadeEasy.com

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Investment real estate will always continue to have a certain inherent value mainly due to the fact that real estate all over the world is limited while other factors such as population and climate may change drastically. Even though real estate is viewed in general as long term investments it can generate substantial short term gains if handled properly. Therefore, we see great potential in investment real estate as part of a balanced investment portfolio.

The properties chosen as investment real estate can belong to any type that you see in the market. It can be straightforward properties or fall into the category of foreclosed homes, rental homes, REOs, REITS and HUD homes. The housing market and the real estate prices have seen a slowdown in the recent past due to the ravages of the recession and record numbers defaulting in sub-prime lending. Despite all these upheavals the real estate investment’s commercial value is strong as ever.

Property investments make a portfolio well balanced with its long term and short term gains for the investor. There are many strategies employed by investors and property managers to ensure that property investments are profitable at the end of the day. Investment property deals still continue to earn healthy returns regardless of the type of property involved. Investment real estate comes in all forms. It can be through REITS, non-public REITS, partnership deals, syndicates and other similar commercial ventures. For the institutional investor, real estate provides a great opportunity to balance his portfolio by including it in a mixed asset portfolio along with stocks and bonds.

The modern portfolio theory of managing mixed investments began with Harry Markowitz in the first half of the 1950s. His research showed that diversifying investments was the best way to manage risk by minimizing it one area and maximizing profits in the long run. The main objective of the investor should be to achieve the target rate of return on his investments. The investor is able to use ‘mean variance portfolio analysis’ to evaluate risk at all times.

All investment has risk as part of the deal and usually the investor hopes for higher returns with transactions that entail higher risk. This is the reason why portfolios should be geared to deal with volatility. A balanced portfolio is one where any investments that are showing fewer returns or none at all are covered by those with higher returns. Commercial real estate is extremely useful as it can target both long term and short term returns so as to balance the portfolio. Most of the time real estate is used to hedge other investments or inflation as it can easily outperform both stocks and bonds. And yet, despite all the evidence pointing to real estate being great for diversification purposes it lags behind and is typically underrepresented in mixed asset portfolios.

Of course, to reap the best results of a mixed asset portfolio the investor should take care to investigate the investment opportunity that is afforded by investment real estate and not just merely add it on to the portfolio. Investment real estate can give the investor a much needed boost or it can act as a cushion in difficult times. Whichever way you evaluate the importance of investment real estate in your portfolio, it has been proven to be advantageous to the investor to balance his portfolio with it as negative effects in some investments can be easily covered by the real estate investments.

Let us know what you think.

SuperiorPrivateMoneyReturns.com

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Each of these three strategies boils down to the same fundamental formula: buy, resell, profit. And in fact, none of them prescribe a specific way to buy or sell the property in question, so really the only difference among these strategies is what happens during your period of ownership of the home (that is, how do you—the investor—increase the value of the home for profit?). Of course, you can attempt any strategy in any set of market conditions, but it is those market conditions that will be the determining factor when deciding among these three strategies.

In a steadily expanding housing market—like the one we enjoyed for decades leading up to the 21st Century—making money as an investor requires little thought and even less effort. That is because the nature of the expanding market is that property appreciates. So all you have to do to profit is select a property, buy it, and sit back and wait for the market to work on your behalf to increase the value of your assets. This is called speculation: sitting back to let the market do it’s thing, while you reap the benefits. Obviously, this is a great approach to investing. It requires very little input of time and energy, and the investor is almost guaranteed to turn a profit. Unfortunately, however, speculation only works in a reliably improving market, and the housing market is one which (although once expanding rapidly like a bubble) has now burst, meaning profits are not quite so easy to come by.

That doesn’t mean you can’t profit, it merely means that in a slow economy, profiting is an active process rather than a passive one. This means we can no longer sit back and collect our income; now we have to work to achieve it. One conventional way to increase the value of our assets in order to profit, is to repair, update, and generally rehab the property. The goal of this is to bring the home entirely up to retail standard, making it an appealing product on the open market. Rehabbing works in any market conditions, because what drives the appreciation is raw labor, not the market. Of course, you will have to fully account for the cost of labor, holding expenses and ownership in your consideration of profit margins and asking prices, but there is no shortage of guides to helping calculate the cost of repairs (a seasoned rehabber will definitely be your best bet for this). Also keep in mind that rehabbing in a buyer’s market means lower retail pricing and often longer holding time.

These are all legitimate investment strategies, but that doesn’t mean they all work all the time. Know the climate of the market you are working in, both locally and globally, so that you can make an appropriate decision about how to increase the value of your assets—simply by holding them for a while, or by spending resources to make modifications, updates, and repairs. Generally, rehabbing is reliable in any market, while speculating only works when the market is rapidly expanding (like a bubble about to burst), and an investor is able to hitch on to a “shooting star” property, and ride it all the way to success.

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http://www.indianainvestmentpropertygroup.com

http://www.practicallyfreehouses.com

Based out of Indiana, Jay Redding is a real estate entrepreneur, consultant and educator with experience in residential and commercial investing.

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A private placement offering, or private placement memorandum, is a way to secure funds.  The reason for the fancy name is that the person securing the funds does not need to be a licensed broker.  This type of method is a legitimate way for an experienced real estate investor to raise capital for deals which he/she does not personally have the adequate capital to invest.  If you’re interested in real estate but don’t like the idea of holding your own property, lending to an investor is a great way to earn a profit without having the hassles of rehabilitating a home or confronting unruly tenants.

The first step to investing with a private investor is finding them.  There are people out there who want to start private placement memorandums and are looking for investors.  The trick is linking up, and the easiest way to do that is through networking.  Start by asking people you know if they have any real estate background, or know anybody who does.  If they do know somebody in the real estate business, then ask to be introduced.

It’s important to remember that the rules of networking apply.  You have to build a relationship with your potential investor before you begin to discuss specifics.  Meet them for lunch, get a feeling for their lifestyle, and what they are looking to accomplish.   It’s ok to talk about your past experiences in real estate and why you are considering investing.  It’s not a good idea to say that you’re looking for a deal with 10% returns.  The reason for the relationship building prior to negotiating a deal is that it develops trust, and trust should never be underestimated when it comes to investing.  You will have to trust their judgment and that they have your best interests at heart.  If there is a tense period where the returns are not where you’d like them to be, you have to trust the investor to make the correct adjustments.  If the property is foreclosed, you have to trust the investor to have enough honesty to reimburse your investment before attending too their own.

If networking is not successful, either because you don’t know enough people or the people you do know are very removed from the real estate realm, you can try other venues.   If there is a local real estate investors association or something similar, you should consider joining it.  Getting spam email and mail is a light price to pay for potentially meeting some very experienced real estate investors.  You may want to take an instructional course on real estate, because some of the teachers are sure to be experienced investors.  Additionally, you may learn something useful!

If you’re the investor, you can find lenders through websites like angel-investor-network.com, but those investors are generally interested in large deals.  It is illegal to post ads looking for lenders on Craigslist or similar websites, because the SEC considers that public solicitation and the penalty can include jail time.

Just remember to be persistent, and you will find an experienced investor that you think has the potential to make a large profit.  Real estate isn’t going anywhere, (contrary to what some of the sensational media stories may have you thinking ) and you want to make sure that you don’t just find any real estate investor, but one you can trust and you believe will be successful.

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http://www.indianainvestmentpropertygroup.com

http://www.practicallyfreehouses.com

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If you like the idea of investing in real estate, but don’t want the hassle of owning a property and dealing with tenants, then there are multiple options for you to explore.  One such possibility is to become a private money lender, which is lending money to a borrower who is experienced in real estate investing.  The borrower is in direct contact with the property, so if the borrower invests in rental property, the borrower is the landlord and you are the private money lender helping to finance the enterprise.  In return for your investment, the borrower will pay you above average interest, and possibly other additional bonuses to make the deal attractive.

One of the benefits of being a private money lender is that there is a real asset as collateral on your loan.  Once you have selected the type of loan you’d like to fund, the property that the borrower purchases is used as collateral to repay you if the borrower defaults on the loan.  In lending money, it is comforting to have something real that you can see and touch to insure your loan.  Of course, this has its own risks, say, if there is an earthquake and the property is damaged, but unless you’re in California, you don’t usually have to worry about that. Requiring the borrower to maintain property insurance provides naming you or your company as an additional insured provides another layer of protection.  Essentially as long as the property exists there is collateral for your loan.

The first step in deciding to be a private money lender is determining what kind of loan you would like to provide.  For example, there are borrowers specializing in residential rehab properties (fixing up homes), rental properties, commercial properties (like shopping centers), or flippers, who buy homes quickly and sell them at a profit without doing much rehab.   There are no advantages of one type of loan over another; it is simply your comfort level which will determine what you are willing to lend on.     If you’re not sure what kind of deal you feel most comfortable lending on, research the different areas of real estate.  There are many educational programs available to get you familiar with real estate investing, at a price of course.  Researching real estate online will expose you to many possibilities as well.   While researching, make special note of the processes.  You want to be sure that the borrower is a competent and proven individual.

If you have capital and you’d like to invest it in real estate, being a private money lender is a great option.  You’ll enjoy a high rate of return with the property being used as collateral for the loan provided.   You get the benefits of real estate without the hassles of dealing with phone calls at 2 am to fix the broken water heater.  If you conduct your research thoroughly, you will determine the type of loan and deal you are most comfortable in lending on.

Tell us what you think by leaving a comment. If you would like to be notified when new posts are made to this site, be sure to subscribe to the RSS feed.

http://www.indianainvestmentpropertygroup.com

http://www.practicallyfreehouses.com

Based out of Indiana, Jay Redding is a real estate entrepreneur, consultant and educator with experience in residential and commercial investing.

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One of the real oddities of life occurs when kids can—simply put—just do stuff.  Have you ever experienced this?  You may struggle and struggle to learn a new skill, and you turn to the left and see a 6-year-old pick it up and master it in five minutes.  Sometimes we chalk it up to the increased synaptic plasticity associated with youth, sometimes we call it instinct.  But you might also say that, somewhere along the line, those of us that aren’t kids lost the inherent ability to do some of the things we may once have done naturally.  Now it’s time to observe, and learn those lessons once again.

The classic example of a kid’s ability to stump an adult (other than perhaps learning languages and new video games) is a kid’s simple ability to get what he wants.  This is not done artfully, skillfully, or even tactfully; rather, kids are successful be means of the bluntest, broadest, but perhaps deadliest tool in the arsenal: persistence.  Consider:

CHILD: “Can I have this toy?”

MOTHER: “No.”

“Please? Can I have it?”

“No.”

“But I want it!”

“No, honey.”

“I want it! I want it! I want it!!”

“No! Stop it!”

“I want the toy NOW!!!”

“OK, I’ll get you the stupid toy.  Stop screaming.”

Sound familiar?  The mother didn’t do anything wrong, but the child did two things right: relied on his relationship with his mother, and refused to give up (despite his repeatedly rejected requests).

This is a skill set many investors have lost, and need to find.  Implemented with perhaps a bit more control and precision than the child in the above example, persistence and the establishment of a rapport with your negotiating opponent can be the recipe for getting exactly what you want out of the negotiation.  Most investors now realize that negotiating means compromising, and you must be prepared with an asking price and a more reasonable price for which you would settle.  But where those investors go wrong is by jumping too quickly to their compromise price.  Instead, they should learn from their children or the former version of themselves that sometimes when you ask two, three, even four times for the exact same thing, you might just get lucky.

This becomes especially true when you’ve established some sort of relationship with your opponent (not necessarily friendly, but he shouldn’t hate you going into the discussion).  This ensures that—provided your opponent has some degree of conscience—it will be more difficult to write off your repeated requests (just as it was for the mother to refuse her son over and over).  If your opponent has no connection to you as a person (rather only as an opponent), it will be infinitely easier for him to simply get up and walk away from you.

The combined effect of this relationship with a bit a juvenile persistence is often your opponent’s—albeit reluctant—willingness to accept your offer.  And the difference between achieving your asking price, and settling for your compromise price, is the very difference between being an average investor, and a great one.

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http://www.indianainvestmentpropertygroup.com

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We are living in unprecedented economic times right now in America.  As in all extreme conditions, some people are bound to suffer terribly, while others manage to navigate the hardships and perhaps emerge even better than when they started.  Our economy—ripe with poverty, unemployment, defaulted mortgages, and foreclosures—is under such conditions; many can do nothing but ride it out, and hope things improve before they are completely devastated.  Others, on the other hand, have realized that the down economy creates a buyer’s market—and what’s more, the record number of foreclosures provides incredible opportunities for investors of any level of experience to find great deals.

While there have always been “foreclosure cleanup businesses”—investment firms which deal only in purchasing, repairing, and reselling foreclosed and other distressed properties—the recent record number of foreclosures have caused a significant chunk of the investing population to follow this route toward success.  Like all major investments, however, foreclosures require substantial research before-hand, the ability and willingness to say “no” to a bad deal, guidance of an experienced professional, and commitment to see a major project through to completion.  It is no easy task, but the opportunities to profit are often unbelievable.

Once an investor decides to try his hand in foreclosure cleanup, the question becomes, “Where do I find these great deals, and how do I beat the hoards of other investors to the punch?”.  The short answer is that the deals are everywhere (advertised online, in newspapers, MLS, etc.).  But—as you may have already discovered—everyone has equal access to and awareness of these resources, so using them does not provide any real advantage over the field.

As an alternative to the conventional listing sources, consider using the Chamber of Commerce as a source of information and leads.  Chambers are generally local, but occur at every level of government and society—town, city, state, regional, national, international, etc.  In general, a chamber of commerce is a network of businesses meeting together to preserve and advance the interests of business (and therefore the condition of the market and economy).  Often called a board of trade, the chamber voluntarily assumes the responsibility of watching over the often-local economy like a sort of consortium of super heroes.

And, as it turns out, you’re invited!  Practically all Chambers—even the U.S. Chamber of Commerce—are membership organizations, which means that for a modest membership fee, any old real estate investor can attend and participate in these meetings, where first news of any market or community updates is broken and discussed.  If you want to succeed in a business with so much competition as foreclosure investments, then you need to be on the cutting edge.  When it comes to matters of the local economy (including foreclosed homes), the local Chamber of Commerce is the place to be.  Sitting as a fly on a wall in these meetings with a notepad or a smart phone could be your ticket to hearing about the best deals before they are publicly listed.  For those investors who take advantage, the head-start on these great foreclosure deals will be well worth the couple hundred dollars paid as annual dues for membership in the Chamber (these costs vary dramatically with the particular Chamber).  Information is almost never free; but when the information is good enough, you barely even notice the cost!

Tell us what you think by leaving a comment. If you would like to be notified when new posts are made to this site, be sure to subscribe to the RSS feed.

http://www.indianainvestmentpropertygroup.com

http://www.practicallyfreehouses.com

Based out of Indiana, Jay Redding is a real estate entrepreneur, consultant and educator with experience in residential and commercial investing.

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Although speculation is a bit outdated and irresponsible in the current market, flipping properties is still a viable way of earning income when it is based on finding bargain purchases rather than riding an expanding market.  There are three different levels of flippers—investors who take part in one or more stages of this process.  They are: the scout, the dealer, and the retailer.  The designation is generally a function of the flipper’s experience in the real estate world, as each bears a different set of duties and responsibilities.

The scout is also sometimes called the “bird dog”.  Bird dogging is the process of gathering information about potential deals by investigating leads from trusted sources.  When the scout finds a good deal under market value, he will sell that information to other investors.  Scouts are generally real estate investment newbie’s; it is a great way to get started, because it requires no money or credit, teaches valuable lessons about how to find deals and the way real estate investment works, generates income, and provides an opportunity for the scout to cultivate relationships with investors and other important members of the real estate community.

The dealer, somewhat like a scout, also gathers and sells information about deals.  The difference is that the dealer actually enters into a purchasing contract with the seller.  Now, the dealer has the option to either close on the deal and purchase the property, or to sell the contract to another investor.  This allows the dealer a great amount of leverage for profit, since his purchase contract effectively controls what will happen to the property.  However, the dealer often has to put money down to secure the purchase contract, so he assumes more risk than the scout (as is always the case when the opportunity to profit is greater).  Dealing provides a great deal of flexibility to retain, rehab, and resell the property, or to simply sell the contract for a quick profit without ever dealing with tenants or even the property itself.

The retailer assumes the most risk, and stands to earn the most profit.  After purchasing the property either through a dealer or agent, the retailer rehabs and fixes up the property until it can be resold at a much higher retail value.  This requires an investment of money, time, and energy; but it is by far the most lucrative element of flipping a property, because what the retailer does inherently increases the value of the house.  The flipside is that the investment occurs over a much longer period of time than it did for the scout or the dealer (who both made their profit instantly).  The retailer must work—sometimes for months—to reshape the property for resale.

Each type of flipping provides a different level of risk, and a corresponding level of reward.  It is a structure that allows for involvement of real estate investors at every level of the game, from amateur scouts to the most highly experienced and skilled retailers.

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http://www.indianainvestmentpropertygroup.com

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