Posts Tagged ‘risk’

Most commercial real estate investors want to know how to profit the most from their investments. If you’re interested in educating yourself on techniques for getting the best ROI (Return On Investment) for your commercial real estate investments, this article will help.

Compared to residential property investment, commercial real estate investment is very complex, though it can also be far more profitable. It can take a lot of work to achieve long-term success in this field. Since many people are impatient, and unwilling to learn how to achieve a profit, few really succeed on a grand scale.

Many new commercial real estate investors start out with a lot of enthusiasm. However, after a few months, they get discouraged when large profits don’t appear. That’s because you can’t get rich without putting time and effort into your investment plan.

Remember that even if someone else is lucky enough to achieve instant success, you probably won’t be that lucky. Have a good plan, and be willing to put in the effort necessary to achieve your goal – and start with reasonable goals. Too many people want to make millions, and are disappointed when they don’t.

Remember that there is a wide variety of commercial property out there. Commercial real estate includes retail stores, medical centers, malls, and hotels as well as industrial and business property. Don’t feel like you have to invest in a particular type of property because it’s the most common investment among people you know.

Instead, choose your investment by selecting areas where you already have expertise. This will allow you to make a good investment, while expending minimal energy, effort and time, lowering risk and increasing profit. It’s a waste of time and energy to become an expert in many different areas, just so you can manage your properties. Just select commercial real estate that fits into areas where you’re already an expert, and you’ll be surprised by how much easier things are.

Make sure you put your investment criteria in writing when choosing commercial real estate. This will help you know immediately if potential investments will work for you, helping you save time. Writing down what you’re looking for also helps you find better deals, since you’ll be able to skip all the properties that don’t fit. Over time, take a look at how your written criteria have changed, to see where you’re going as a commercial real estate investor.

To minimize risk, and increase your chances of a good return, there are a few rules that may help. Avoid investments you don’t understand, and look for investments in areas you’re already familiar with, to save time and effort. Don’t put a lot of capital at risk at one time, either. Look closely at your security in any deal to see what level of risk you’re taking on.

Remember to look for commercial real estate that offers a safe risk, but is also large enough to offer a profit worth your time. Every deal will require certain time and money expenditures, including due diligence, which mean that it should be worth the effort you put into it.

Commercial real estate investing can be a great opportunity, if you pay attention and choose the right investment for a good return. After all, commercial properties offer higher rental yields than residential properties, and offer a better monthly cash flow than a residential investment in the same area. Investing in commercial real estate can be a lucrative endeavor.

Just remember not to expect too much, and to analyze your potential property carefully, to make sure that it’s in line with the sort of investment you want to make. Pay attention to the risks you’re taking and the rewards you’ll be getting in order to maximize your ROI. Selecting the right investment can be key to making sure that you do well.

Commercial real estate is an excellent choice for anyone interested in real estate investment. Offering potential profits that are much higher than those available in residential investments, the right commercial investment could give you a great ROI, if you make and follow a well thought out plan.

James Janel is the Executive Director of the National Association of Commercial Real Estate Property Scouts. He is a Professional Property Scout, as well as an experienced commercial real estate investor. To find out more about property scouting and real estate investing, or to request our free report, Prospecting for Profits: Turning Dirt into Cash, go to http://www.NACREPS.org .

Author: James Janel
Article Source: EzineArticles.com
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A tax lien is a form of security interest granted over an item of property to secure the payment of a debt or other obligation. The government instead of chasing a non-payer down and asking or begging him to pay his taxes will file a claim (lien) against the property.

Tax liens may be able to be purchased from the government in the form of an investment in the event property is not paid within a specified time (and after several notices are generally given), the property may be seized and sold at foreclosure sale. On real property, one of two methods may be used: either the property may be seized and sold (a deed sale), or in some states the lien may be offered to investors (in the form of a certificate) with an accompanying right for the investor, after a specified period of time, to institute foreclosure proceedings.

This type of Investing is probably one of the safest, most lucrative and undiscovered investing methods in the world.

The wealthy have been doing this type of Investing for ages. Certificates are one of the most profitable investments you can make without the risk of the stock market. No matter what the market is doing, you can profit from purchasing certificates and deeds. Here are just a few reasons why tax lien investing is financially sensible:

Able to be done without financing – buying deeds can be like buying real estate for pennies on the dollar. Usually certificates pay a much higher rate than CD’s if they are redeemed, and if they are not redeemed, you can foreclose and either collect your interest or take over the property. Certificate and deeds can be invested tax free through a self directed IRA. Investing in certificates and deeds does not have to take lots of money. Certificate investment allows you to get high interest rates without paying high brokerage fees.

This is the most important information one offer, tax lien investing is one of the safest ways to invest your money and earn an extremely high rate of return. With the right information available, everything becomes easy.

Successful Investing as with most profitable ventures has proven predictable steps that if followed correctly will give undeniable positive financial results.

Ask and answer these questions to start successfully getting a foothold on investing in tax lien certificates or tax deeds:

How do I register for the sale? // What information do I need to register? // How do I clear the title to a property that I purchased from a sale? //How much profit is there? // Can I do this or should I get a lawyer? // Can I buy online? Through mail? // How long to settle and collect my earnings? // Which forms and where to get them?

There is a lot to ask and to know. Not knowing the system of success in this type of investing is frustrating and disheartening. Once these secrets are uncovered and you have the right information available, everything falls into place.

Tax lien investing will give you a better opportunity over anything else in the world to realize your financial success through amazing real estate bargains. A little known investment strategy that barely anyone has even heard of can be your key to financial independence once you learn the secrets of investing.

Stuart J Miller is enamored with tax lien investing. If what you have just read grabbed your attention on the possibilities of investing, go to Tax Lien Investing for more information and a complete ‘System’ to show you how to invest in profitable Certificates and tax deeds.

Plus receive these 3 bonuses FREE-

1) Exclusive private invitation to attend a one-of-a-kind Q & A teleseminar with the tax Lien lady,
2) How to use a self-directed IRA to invest in tax lien certificates and deeds,
3) State guide to tax lien and deed investing in every state.
Tax Lien Investing

Author: Stuart J Miller
Article Source: EzineArticles.com
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If you are planning to move to another country, perhaps the thing that you are most concerned at this moment is how to sell your home fast. Relocation or emigration can be because of different reasons like a new job offer, transfer or retirement.

It is hard to make other plans when you don’t’ know how long it will take to sell your home.

Apart from the excitement associated with emigration there are also anxieties and worries about how to organize everything, get the paperwork ready, sell off most of the household stuff or arrange for them to be shipped, plan out housing in the new country, and arrange a quick sale of the house before you go, and so on.

If you plan to sell your house through the conventional method of going through estate agents; then it is likely to be time consuming and frustrating. There are various short-comings attached when dealing with estate agents:

Drawbacks

o Trying to sell property through estate agents does not always fetch you the right kind of buyers. You may end up waiting for months for the right buyer to come along.

o It can take up to a year to sell a home through real estate agents. Everything is unpredictable. You can never predict correctly when the deal would be sealed. This is highly frustrating especially when you are short on time.

o Selling home through an estate agent can be extremely inconvenient. The process involves numerous house viewings by scores of strangers, visiting your home at times at odd hours.

o Quite often estate agents tell you to spruce up home in order to attract buyers. Refurbishing a home means spending a large amount of money particularly at a time when you need it most to another country.

o Quite often people are unaware of hidden costs and deductions that the estate agents fail to mention in the beginning. As a result the expenses keep growing.

o There is always a risk that an interested buyer may pull out at the last moment.

o When you are dealing with estate agents, there is a sales chain i.e. an interested buyer can buy your house only when he manages to sell his own house to get the money. At times when you might be close to finalizing a deal, it may suddenly fall apart because of a broken sales chain. This can cost you valuable time and money.

There is a solution to these problems in the form of an organization of cash investors who specialize in purchasing properties across UK and who understand how time sensitive the situation is which you are in.

Property buying companies have introduced a safer, faster and far more flexible way of selling your home especially when you are short of time and need cash fast.

Guaranteed Cash Buyer

It guarantees to get you a buyer who will pay you in cash in the shortest time possible. Sale is certain and guaranteed to happen.

Fast Service

The whole process can take just days and not months. Investors such as these usually complete the purchase of the property within 28 days; saving you lots of precious time. The speed at which these investors operate make all the difference

Chain Free

Such investors are chain free. So no need to worry about any chain collapsing. You directly deal with the cash buyers.

No hidden Charges

There is transparency in every transaction. There are no hidden costs, survey fees, estate agent fees or any additional charges involved. In fact, even the legal fees are also covered (upto £500) .

No Rework Required

There is no need to worry about repair work or any renovation. Organization of cash investors don’t fuss over refurbishing your home. There is no need to decorate or refurbish your home to draw buyers.

No Repeat Viewings

Just one house viewing is enough to seal the deal with these cash investors.

Cost Comparison Favors Cash Investors

While on the face of it, you might be thinking that you have to sell your house at a discount, a closer cost comparison reveals a different story. If you include all the sundry fees, hidden charges, time delays and unpaid mortgages, you will find that a faster deal actually works out to be a much better deal.

Selling through organization of cash investors is hassle free, quick and avoids stress. You get cash quickly from the sale of your home, save time, migrate to different country and start a fresh new life.

Andrew is a journalist whose articles majorly focus on property related issues like sell house fast. His articles on selling house for Cash have been published in various magazines and websites. http://www.sellhousefastcash.co.uk/

Author: Andrew M Taylor
Article Source: EzineArticles.com
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Let’s say I need money and I want to sell my real estate notes. There are several advantages to cashing in on my debt contract – I can avoid inflation, access my funds anytime, and get rid of the hassle of monthly collections. When you need extra cash flow, selling debt instruments is far more convenient than taking out a loan.

The first step in selling any debt note is finding a note buyer. The note buyer will assess the note based on the balance, interest rate, the payer’s stability, and other factors that contribute to the risk it poses. Because the buyer takes on the risk of the agreement, you can’t expect to get the full value of the note. For example, when I sell my real estate note worth $80,000, I might get about $75,000 in cash. The $5,000 is the cost of the risk I transfer to the buyer – the risk of inflation, of rising interest rates, or the payor defaulting or going bankrupt.

Most people simply sell the whole contract, but it’s also possible to sell just some of the payments. This can be a good option if you don’t need a large lump sum, or if you want to keep getting monthly payments. Or if I like the current interest rate on the contract, I can sell my real estate note partially and keep earning the same interest.
Another alternative is to sell my real estate notes in full, get part of the lump sum, and receive the rest in monthly installments. There are many other ways to structure the sale, and your note buyer should discuss all of them with you.

There are lots of note buyers willing to buy out contracts, but they don’t all offer the same rates. I wouldn’t sell my real estate notes to the first buyer who comes along; it’s best to consult different buyers and compare their quotes before settling on a deal. Most buyers will give you a quote for free, although they may charge for the appraisal and title policy. If they charge any other fees, just find another buyer – chances are they’re not stable enough to offer free consultation services.

There should also be no closing costs, points, or other associated fees throughout the transaction. Any fees involved are supposed to be paid at the time I sell my real estate note, and not midway or after the deal.

Also watch out for the “bait and switch” buyers who force you into a cheap deal after you’ve sold the contract. Basically, I sell my real estate notes for a decent price, but the buyer lowers the price later on because my property buyer allegedly had low credit. This is a highly unethical practice – the buyer is supposed to review your payor’s credit upfront.

Lastly, make sure to document the whole deal. It’s very risky to sell my real estate notes without a written purchase agreement to back it up. Put down in writing every detail of the sale, and be sure to understand all the terms and conditions.

Selling your real estate contract is a great way to raise money without the hassle of bank loans. As long as you find a good buyer, cashing in can prove much more profitable than waiting for monthly payments. Besides, you can do a lot more with cash than you can with a contract.

Jamie has been working in the finance industry for many years and is a contributing editor to http://www.selling-your-note.com. If you’re wondering how to sell my real estate note you can find out on our site.

Author: Jamie Sherman
Article Source: EzineArticles.com
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Despite soaring oil prices and the fact that many say the economy isn’t so strong, real estate is hotter than ever. It seems like everyone is getting involved in real estate, and for many investing in real estate is a lucrative money-maker. But isn’t real estate investing tricky? Can you have total asset protection when investing in real estate?

For many, real estate investing in a great way to make a great deal of money. With so many people buying and selling home, real estate investing is a lucrative business opportunity. Home renovations and home “flipping” are huge right now, and this is a vastly growing field for investors interested in real estate. But how to do you combine the risk of real estate with total asset protection?

Not every property sells as well or as quickly as investors might like. While real estate investing is big right now, it’s still somewhat risky. New and inexperienced investors might lose more than they gain, depending on the property and the project. When it comes to real estate investing, it’s hard to combine your investment with total asset protection.

Total asset protection is a tool that investors of all kinds use to protect themselves from losses. By protecting assets totally, investors will be unable to lose their initial investment. In most cases, it’s hard to combine the risk of real estate with the safety of total asset protection. Buying property can rarely be fail safe, especially when profits depend on a sale. Not all sales go through, and not all properties sell for what they should. This means it’s very hard to get the safety of total asset protection when considering real estate investing.

Buying real estate means making an investment, and not all real estate is created equal. Some properties may need work before they can be sold, and other properties may need a lot of work before a sale can happen. This makes real estate investing very, very important. Investors use their money toward the future of the property, and in most cases can’t expect a payoff from their investment until after a sale has been made. Unless a pre-arranged contract is worked out between the investor and the agents involved with selling the property, real estate investing and total asset protection don’t really mix. Often, total asset protection isn’t part of the mix when dealing in real estate investing.

Real estate is a great investment opportunity, despite the risk. Before considering an investment in real estate, make sure you know about the property you’re buying, and know what the risk is. How much could you stand to lose? Even if you don’t have total asset protection, do you have any protection of assets? In other words, could you stand to get any of your initial investment back? All these things are important to consider before investing, but real estate is a great opportunity for anyone who wants to make money.

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Author: Roger Mark
Article Source: EzineArticles.com
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To finance your self build project, you need to make sure that you understand the differences between borrowing for a ready built home and borrowing to build.

When you finance an existing home, it’s easy to estimate the value of the property and easier for lenders to work out how much risk they will be taking on when lending you money. Once you agreed a price and exchanged on an existing home, then you can go ahead with the purchase, the lender releases the money and you move in and start paying the mortgage.

With a self build, you need to borrow money in stages. For example, initially you need to buy the land, then it may be several months before you clear the plot. The next stage is the ground works for foundations and drainage and after more months waiting you finally start to see your property being built!

As a result, many lenders will not want to lend on self build projects as it requires specialist knowledge and experience and it’s more work than a standard mortgage. So follow our three step guide to help you finance your property in the best possible way:-

Step One: Understand self build mortgages

Make sure you approach specialist and experienced lenders that will let you borrow money at each stage of the land purchase and build. Lending in stages often means that you can stay in your current property and carry out much of the build before you move into your newly built home as the costs of the mortgage start off with mortgage payments for the cost of the land, then a bit more for clearning the land and groundworks etc.

Step Two: Scrutinise the finance costs
Unfortunately you are likely to have to pay more for your self build mortgage, so it’s important to compare costs from different lenders. For example, the lending criteria and associated costs for self build mortgages are typically:-

5% deposit for the land and build, providing that when you finish the mortgage is only 75% of the final valuation.

You can’t now secure a self build mortgage on a ‘self certification’ basis. 

Typical fixed rates for self build mortgages are around 5-6%.

Fees for securing the mortgage range from £1,000 to 1.5% of the amount you borrow.

You are also likely to pay a little more on legals and survey fees too, so it’s worth budgeting around £2,000 for these essential items.

Step Three: Find a lender that will be efficient and flexible on payments
When you are borrowing money in stages for building a new home, it’s important to make sure you work with a lender that understands you need your money quickly, in advance of each stage of the build. You also need to find a flexible lender that understands you may go over budget and need to re-negotiate an increased loan during the build. It’s no good working with a lender that takes months to make a decision. If they are too slow, you may lose your builder if you can’t pay them or might not be able to pay for essential materials.

To ensure you secure the right finance visit our self build finance section and don’t forget you’ll need specialist insurance to insure your plot, the build and your new home! Visit our building warranties section for more information.

To find out more about self build take a look at our Develop and Build section, read our Top 10 Tips about Building a Home and our Guide to Building a Home.  Do you have a property question you want an unbiased and independent answer to?  Call us on 0845 838 1763.

I have been a consultant to the property sector for a number of years and been renovating properties for over 20 years. I have also written a number of books, including four for Which? – Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook.

I am currently one of the top property experts in the UK and regularly quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express as well as featured on a number of local BBC Radio stations.

Contact me at Designs on Property on 0845 838 1763 or visit our website below:-

http://www.designsonproperty.co.uk

Author: Kate Faulkner
Article Source: EzineArticles.com
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