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Real Estate Secrets by Sean Flanagan

How do you plan to make a sufficient retirement? Are you a whiz with money and investments, or do you fail miserably at saving a mere buck? The truth is everyone is different. Although some of us excel at planning for a healthy retirement, others can barely make ends meet as it is. The key is finding your niche. Not only do you want to start planning and saving early, but you want to do as much as you can. Maybe all you have to set aside is fifty dollars each month. Hey, this is a lot better than nothing at all. Once you set that cash aside, it's prudent to find a way to invest it. Everyone can do this with a little help. Heck, it doesn't take a genius. While some folks will find themselves investing in stocks, others will tackle real estate. Do you know and great trading and real estate secrets? It truly can help.

What are the best real estate secrets? Do you know? Possibly buying a home in a popular community, fixing it up, and then selling it a few years down the road? That sounds like a winner to me. If you didn't already know, people do this all the time. I think my father is even into a few decent real estate secrets. Him and my stepmother purchased a nice home in north east Iowa about seven years back for around 250 grand, and now a professional tells them it's worth around 800,000. That's one hell of a great investment if you ask me. Not too shabby for beginners. How about yourself? Do you have any wondrous real estate secrets up your sleeve? Trust me; they could earn you a load of profit if you approach the situation correctly. When it comes to real estate, you often can't lose. It's all about location, location, location. It's essential never to forget that. Too many people get caught up in the aesthetics of the home itself. However, in reality much more has to do with where the house sits. If it's in an undesirable spot, then it may not get a good price. It doesn't matter if it cost 400 grand to build. Families are interested in safety, school districts and amenities. This is one of the major real estate secrets. If you are interested in attaining more knowledge concerning real estate secrets, then it's time to get connected with Google.com. It's all in cyberspace.

About the Author

Sean Flanagan is recognized as an expert in creative real estate investing as well and is the owner of Flanagan Properties, LLC. He contributes a large part of his success to his ability to market much more successfully and creatively than the competition. Flanagan Properties, known for their catchy trademark and marketing with the use of Lucky Buys Yucky Houses, offers home based franchise opportunities. http://www.luckybuysyuckyhouses.com

Real Life Real Estate Investing by Michael Lee-Smith

I bought my first apartment 10 years ago, on my 20th birthday. I had spent the previous 5 years working and saving for college; but when I finally entered college at 19 on a full academic scholarship, I decided that instead of spending my accumulated savings, I would try my hand at investment.

Here I am 10 years later. What you'll probably notice by looking at my site is that this is not a story of extreme or fast wealth building.

But it is a story of effective "forced savings" that has provided me significant insight into financial planning, real estate investing, and balancing the books. While it hasn't always been a barrel of laughs, overall, I'm reasonably satisfied with the outcome so far.

I thought I would share some real world real estate investment thought. Let's start at the end, where I am today: I currently own 7 condo apartments in my general geographic area. All of these condos are revenue neutral or revenue positive. I don't have significant savings to fall back on, and I am just now in the process of "cashing in", by selling my first apartment. My approach is best described as "slow and steady"; my outlook is 20 - 25 years.

Here the top points I like to share about investing in real estate:

1) Path to (instant) riches

I will never argue that real estate investing is an instant, or even particularly easy, path to significant wealth.My bank statement demonstrates that. I am willing to grant that many people are able to turn real estate in wealth quickly; I'm afraid that hasn't my approach. Instead, I've taken the long view, as you can see at my site, with the hope that my real estate portfolio will provide a steady cash flow in 10-15 years time. For me, slow and steady really does win the race.

Just think about it: if you can manage to buy and hold 5 properties, within 15 years all five will turn in heavy revenue and heavy profit. For example, my two oldest properties now generate $3500 in revenue each month, with monthly expenses of just $1400. Imagine what that will look like once I've paid off all the mortages!

2) For a cautious investor, take the long view

This a vast generalization, but I hold to it pretty firmly: if your outlook is long enough, you will not lose money. At the worst, investing in real estate is a forced savings.

That's not to say that you'll never lose money; circumstances such emergency repairs, a destructive tenant, or rapidly inflating interest rates certainly increase the risk. But, if you can hold on through any such upheavals, you'll find that within two or three years things will settle and you'll start to benefit from increased appreciate in property value, increased rental income, or both.

And, while property values might dip for periods, keep in mind that over 5 years it's virtually impossible that your overall property won't appreciate. At the very worst, you'll have paid down some of your mortgage.

Plus, you have a tangible, physical asset. There's a lot to be said about that kind of peace of mind.

3) Operating costs - if they balance, you're in the good!

You're probably not going to earn back your down payment quickly - that's ok! Keep in mind that the portion of your down payment that goes toward principle (ie: the part not eaten up by lawyer and realtor fees) is still in your hands. It just happens to now be in your property. You will see this money again when you sell.

So, the real goal is to be at least neutral on an operating basis. Ideally, that means that your rents will cover mortgages, strata fees, taxes and maintenance. This might not be possible for the first year or three, but even if you're paying out a few dollars each month, you are still gaining more than if you were not investing.

4) Tenants - do your research,

I learned this lesson the hard way, when I had a tenant cause about $5000 in damage to one of my apartments. What I learned is that tenants have histories; if they are unwilling to share, or if you don't receive sufficient references to make you comfortable, it's probably better to just wait. Personally, I now ask for 3 references, and I require proof that the people I'm talking to are actually who they say they are (requiring a work phone number, for example). It might seem extreme, but this type of due diligence at the beginning increase comfort throughout a tenancy and reduce the chances of serious damage.

5) Tenants, Part Two - Late rent is forgivable - Once and don't be afraid of the eviction notice

Real estate investing is a business. And, like many small businesses, it is sometimes operated on small margins. That means, if a tenant doesn't pay their rent, it comes out of my pocket. I know that nothing works perfectly, so I will always forgive the first missed rent if there is a reasonable explanation. However, a second missed rent, and I will immediately begin eviction proceedings.

The laws of our state are very strict when it comes to evictions; there must be good and reasonable cause; here, at least, missed rent is just cause for eviction. Don't misunderstand; I always keep an open mind. But many individuals will take advantage of a situation if they believe there is no consequence.

All in all, I'd say real estate investing has been a very positive experience and I would recommend it to anyone who has patience and fortitude. Do your research, though, because real estate investing has highs and lows, just like any other type of investment vehicle.

About the Author

Michael Lee-Smith is a real estate investor with over 10 years of experience in buying and holding residential real estate.

Crystal Ball Finance: The Art Of Predicting Housing Market Trends by Professor J

Recently, how many people have you heard say "I'm just waiting for the housing bubble to pop?" My guess is: a lot.

It seems like these days, every average non-house-owning Joe and Jane seem to be brilliant economic pundits; with their uncanny housing market clairvoyance, it must be that all of today's homeowners are suckers. If they really know what's good for them, suburban America should stampede their realtors and sell, sell, sell! They should take their winnings from their house, move to an apartment, wait for the bubble to pop, and buy back their old house for 50% of what they sold it for, all the while laughing at those who kept their houses and were financially trampled over.

Are Joe and Jane that smart? Probably not. In all likelihood, they just simply recited what they heard from Harry and Sally (who heard from Tom, Dick, and Jane) at the last neighborhood barbeque. The goal of this article is to give you an idea of how the pros do their forecasting. I'm just going to give you three basic statistics you can listen and watch for and allow you to make your own decision on trend progression.

1. CHMPI

The first metric for you to look at is Freddie Mac's Conventional Mortgage Home Price Index (CMHPI). You can get this information at Freddie Mac's website. What this index does is measure how much housing prices are going up or down. The exact details of how to calculate the index is beyond the scope of this introductory article; what I want you, the readers, to look at is the quarterly growth rate of the index.

To give you an idea, the CMHPI has had double-digit percentage increases every quarter since the second quarter of 2004; before this, we have not seen double-digit increases since the fourth quarter of 1979. Here are the growth rates for the most recent years:

2004 Q1:8.50 2004 Q2: 10.00 2004 Q3:13.23 2004 Q4:12.01 2005 Q1:12.94 2005 Q2:14.00 2005 Q3:12.66 2005 Q4:13.22 2006 Q1:12.67

Looking at this metric alone, we can see that, while growth rates are lower than their peak, they still remain high. For reference, the average growth rate throughout the life of this index (since 1971) is 6.32.

2. Housing Starts

Next, we want to look at the new residential construction statistics (a.k.a. housing starts) released by the US Census Bureau and the Department of Housing and Urban Development. This information is available at the census bureau's website. This lets us know if the real estate developers are actually still building new houses and how fast they are building them. If this number is going up, the common belief is that developers are likely seeing an opportunity to make some profit.

For example, in June 2006's release, single-family housing starts (houses where construction had started) went down by 6.5% relative to May's numbers. Single-family authorizations (approval on new construction) went down by 4.3%.

3. Existing Home Sales

The National Association of Realtors releases existing home sales statistics. This is just a way of gauging how well homes are selling. If this number is going down, then supposedly people are having a tougher time selling off their houses, which should in turn mean that prices will get cheaper soon.

In 2006, the existing home sales went down by 8.9% versus 2005. June's existing home sales went down by 1.3% versus May 2006.

4. Other people's Commentaries

OK, I understand that most people have no time to analyze all of these statistics. The easiest thing to do is to read commentaries from a few credible economic experts. These guys have a lot of experience in the real estate market and spend a good portion of the day following up on the latest economic data. One place with some good commentaries is the mortgage finance market commentaries section at the Mortgage Bankers Association website. There are also some great blogs on the internet focused on housing market trends.

Hopefully you now have more knowledge on housing market indicators and, at the next neighborhood barbeque, you can throw around some fancy statistics and impress Joe and Jane.

About the Author

Roomapes.com: Post, Search, and Rate Roommates Professor J is an editor for Roomapes.com, a housing resource intended to increase transparency in the roommate-finding process.

Investing In Real Estate With No Money Down by David Gass

Real estate investing with no money down is possible and widely practiced by several creative investors. As they say where there is a will there is a way. This is creative real estate investing at its best. There are so many ways that these enterprising investors use.

Some investors use notes to invest in real estate with no money down. Let's say the investor gets a hold of a note whose face value is $100,000 and purchases it for $80,000. The investor uses the note as collateral for its full value to get a property worth $100,000. The investor can sell the house for $100,000 and can pocket $ 20,000 or more if the property sells at a profit. This entrepreneur not only got back the $80,000 but also made quite a profit. Some investors with no money for down payments offer to take over the seller's loan or mortgage payments in return for the title deeds of the property.

Flipping properties is another way to invest in real estate with no money down even though it just earns them a modest cash assignment fee.

Investors can borrow money form hard moneylenders, use a home equity loan, get a line of credit, get the loan from a private lender, secure it with a mortgage, or find partners who will supply the money needed.

Using lease options or lease purchase options is another way to invest in real estate with no money down. The leasee agrees to buy the property from the seller at a fixed rate at some fixed time in the future, where a portion or at times all of the rent paid will be credited towards the purchase price of the property. The leasee must pay monthly installments until the end of the lease.

Using seller financing is another way to invest in real estate with no money down. The seller may agree to get higher monthly installments rather than a lump down payment or may offer to finance the buyer to close the deal quickly.

Tax certificates such as a tax lien and tax deeds are also another form of investing without money down. People just pay a nominal amount to purchase the certificates and if the owner defaults, the investors could foreclose on the propert.

The investor may combine mortgages for your home and the property you want to purchase and give cash to the seller without using your money.

The possibility of investing in real estate with no money down is endless for people who use creative investing techniques. once investors learn the knack of investing without money down, they rely on using those techniques to make a better profit.

Additional Help There are firms that offer help and products to run a small business successfully.

About the Author

David Gass is President of Business Credit Services, Inc. His company publishes a free weekly e-newsletter on Small Business Consulting at their web site http://www.smallbusinessconsulting.com.

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