Event Calendar
Tag Archives: interest
Investing in Rental Properties
I just watched yet another “Personal Finance Guru” on cable TV who recommends NOT to invest in rental income properties, but instead to invest in municipal bonds, claiming that such debt instruments are paying 5% to 6% tax free and are much safer than rental properties. To use the guru’s favorite retort, “Are you kidding [...]
Posted in Real Estate Investing, Wealth Creation
Tagged active, bond, cap rate, capitalization rate, cash flow, debt, down payment, equity, expense, income, interest, investment, landlord, lease, loan, management, mortgage, passive, principal, property, real estate, rent, rental, syndication, tenant, yield
Comments Off
Guru Tips on Refinancing
I just posted a new article on the Time Value of Money (TVM) principles for refinancing your home.
I just heard some ridiculous financial advice from a “personal finance guru” regarding refinancing your home mortgage.
Refinance to a lower interest rate.
Refinance to a shorter amortization term (number of payments to pay off).
Refinance only when you can recover [...]
Posted in Power Debt Plan Spreadsheet, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, amortize, borrower, credit, debt, deed of trust, finance, interest, lender, loan, loan modification, mortgage, principal, rate, recast, refinance, trust deed, yield
Comments Off
Should I Pay Off This Mortgage Loan?
I just heard a personal finance expert recommend paying off a mortgage that has 14 years remaining. Here are the parameters of the 30-year fixed rate loan:
Debt Present Value: 229,880Remaining Term: 168 (16 years paid, 14 years left)Annual Interest Rate: 6.6% (fixed over 30 years)Monthly Debt Service: -2,100 (principal + interest)Annual Debt Service: -25,200
From these parameters, [...]
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged capitalization rate, cash flow, cash on cash, credit, debt, equity, finance, financial, interest, invest, investment, investor, leverage, loan, mortgage, principal, return on equity, syndication, syndicator, yield
Comments Off
Product Update: Pro-Forma Stabilized Income Property Mail Merge Tutorial2
I just updated the ProFormaStabilized.xlsm spreadsheet, added a new mail merge template, and added another video tutorial for the mail merge templates to my Introduction to Income Valuation and Syndication product.
You can view the YouTube.com version of the video tutorial here.
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Wealth Creation
Tagged cap, cap rate, capitalization, cash on cash, equity, finance, financier, income property, income valuation, interest, return on equity, syndication, syndicator, time value of money, tvm, yield
Comments Off
Starting Your Own Syndication Business
I just posted a short article about starting your own real estate syndication business when you have no prior experience managing other people’s money or assets. You can read it by clicking here.
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Wealth Creation
Tagged cap, cap rate, capitalization, cash on cash, equity, finance, financier, income property, income valuation, interest, return on equity, syndication, syndicator, time value of money, tvm, yield
Comments Off
Product Update: Pro-Forma Stabilized Income Property Mail Merge Tutorial1
I just updated the ProFormaStabilized.xlsm spreadsheet, added 4 mail merge templates, and added a video tutorial for the mail merge templates to my Introduction to Income Valuation and Syndication product.
You can view the YouTube.com version of the video tutorial here.
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Wealth Creation
Tagged cap, cap rate, capitalization, cash on cash, equity, finance, financier, income property, income valuation, interest, return on equity, syndication, syndicator, time value of money, tvm, yield
Comments Off
The Cost of Delaying Benefits
Why is common sense so rare?
I just heard yet another “economics expert” on cable television (a business finance talk show) talking about delaying Social Security benefits to increase the beneficiary’s income. Here are the basic terms:
At retirement age of 62, the basic monthly benefit is X. I’ll throw in a number of $500, but it [...]
Posted in Real Estate Investing, Time Value of Money, Wealth Creation
Tagged 401k, analysis, analyze, beneficiary, benefit, cash flow, clark howard, compound, cost of living, credit, dave ramsey, debt, defined benefit, defined contribution, discount, equity, expense, finance, financial, gerri willis, guru, income, interest, IRA, lease, leverage, pension, ponzi, property, real estate, rent, rental, retirement, senior, social security, suze orman, wealth, yield
Comments Off
Risk Spread Premium
Risk Spread Premium
I just read a short article from a real estate guru. He was talking about the “Risk Spread Premium” on real estate Capitalization (CAP) Rates compared to the 10-year US Treasury bond.
His basic assertion is to compare the difference (spread) between the average CAP rate of income properties to the yield on the [...]
Posted in Real Estate Investing, Time Value of Money, Wealth Creation
Tagged bond, cap, capitalization, cash, debt, equity, expense, flow, income, interest, premium, real estate, risk, spread
Comments Off
New information product for Income Valuation and Syndication!
How to Get Paid to Buy Income Property for Other People!
I just uploaded my new information product that teaches how to calculate the income valuation for a commercial property, how to structure financing, and how to specify the syndication parameters for you to get paid to buy income property.
Check out the sales page for Introduction [...]
Posted in Real Estate Investing, Time Value of Money, Wealth Creation
Tagged cap, cap rate, capitalization, cash on cash, equity, finance, financier, income property, income valuation, interest, return on equity, syndication, syndicator, time value of money, tvm, yield
Comments Off
Power Debt Plan Spreadsheet product update new tutorials!
The Power Debt Plan spreadsheet has added video tutorials 7 & 8 that demonstrates an advanced concept of using leverage to pay down your debt much faster. Check out the sales page to see the YouTube versions of the videos.
Posted in Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, cash flow, clark howard, creditor, dave ramsey, david bach, debt, debt elimination, debt free, debt management, debtor, depression, dolp, dolp buster, excel, finance, financial, financial freedom, financial literacy, financial plan, financial planner, financial planning, interest, layoff, loan, macro, money management, money master, money mastery, money merge, money merge killer, mortgage, mortgage accelerator, pay off, pay off debt, principal, recession, snowball, software, spreadsheet, suze orman, time value of money
Comments Off
