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Tag Archives: yield
Low Interest Rates
Low interest rates are very enticing. I want to suggest caution, because an increase in interest rates will dramatically affect the value of real property. Real estate is a “borrowed money” business. The cost and structure of financing determines the income valuation of the property. Similar to bonds, the value varies inversely to the yield [...]
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
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New Wealth Creation Information Product
I just released my latest wealth creation information product. It is called (drum roll, please):
“How to Pyramid Your Equity to Create Wealth and Financial Freedom”
It’s a thick, jam-packed (over 100 pages) special report PDF with forms and spreadsheets. It explains several ways of creating or leveraging equity so that you can, with very diligent effort, retire [...]
Posted in How to Pyramid Your Equity to Create Wealth and Financial Freedom, Real Estate Investing, Wealth Creation
Tagged active income, assign, assignment, business, buy, buyer, capital gain, cash, cash flow, contract, credit, deal, debt, distressed, finance, fix and flip, fix and rent, fix and sell, flipping, hard money, home, house, income property, invest, investing, investment, IRA, lender, leverage, maximum allowable offer, money, mortgage, motivated, offer, passive income, price, private lender, professional, purchase, pyramid, real estate, sale, self directed, sell, seller, software tutorial, spreadsheet, wealth creation, wholesale, world class, yield
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The Infamous Reverse Mortgage
I just added a free PDF special report about the infamous “Reverse Mortgage”.
There are finance companies that are offering the “Reverse Mortgage” to seniors (at least age 62). Seniors with a substantial amount of equity in their residence are targets of this aggressive predatory loan. There are many “celebrities” who claim a reputation for financial [...]
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, amortize, analysis, borrow, borrower, capitalization, cash on cash, compound, credit, debt, finance, financial, lend, literacy, loan, mortgage, principal, rate, return, return on equity, reverse mortgage, syndication, syndicator, yield
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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
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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
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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
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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
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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
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