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Chicken Little was right - don't yawn, read this now! At the least, it is thought provoking. - 01/31/11 08:13 AM
This post is from an email from John T Reed. He's one of my favorite authors on real estate investing and isn't much on sugarcoating, so I love reading his stuff. He sent this email to pitch his book, How to Protect Your Savings from Hyperinflation and Depression. It's ok with me that he pitches, I'm a capitalist at heart. I'm currently reading this book - just started actually, so I'll report back later my impressions. But I was so impressed with the email that I asked his permission to post on my blog on my website and he agreed. I (0 comments)
Technology humor - and the joke is on me again! - 01/27/11 04:12 PM
A few weeks ago I wrote about my cell phone cleaning up my language for me when I dictated into it, and it transcribed my voice into text. It was hysterical, if you missed it, check it out here first. For those of you who don’t know me, my name is Ann Bellamy. It matters because of what I’m about to share. Well, a business associate was reading my newsletter that I just sent out, and that contained the post about my cellphone editing me. He was laughing at it, because he also uses a service that transcribes his voicemails into (3 comments)
Not to pee in your cheerios or anything.... - 01/24/11 05:17 PM
Ok, this is a little bit of a rant. I get many phone calls from investors seeking financing for large multi-family complexes in other states. These investors are typically seeking the down payment funds to purchase large complexes in emerging markets. I don't know any hard money companies that supply down payment money for commercial purchases, because the hard money loan would then be in second position behind the conventional loan used for the bulk of the purchase. Even if the buyer is assuming a mortgage, that assumed mortgage will stay in 1st position. o the usual procedure is for the (1 comments)
The best landlording book out there - 01/21/11 12:11 PM
Overall, this book is considered to be the most definitive guide on landlording. I don’t agree with everything in the book, certainly I don’t provide curtains in starter apartments. Blinds, yes, but not curtains. But the author has a great handle on landlording. Not to be confused with real estate investing. This is not a book about how to buy multi-family properties, but rather what to do with them once you have them. And how to plan ahead for when you DO have them. If you buy only one book on landlording, this should be it. But don’t buy just one (0 comments)
Hard money lends 100% of your project costs - 01/19/11 11:27 AM
Hard Money Myth #5 Hard money lends 100% of your purchase and rehab costs The reality: This is the "skin in the game" concept. It used to be, in an appreciating market, that it was easy to find 100% financing, even with hard money. Not any more. If you are borrowing all of the purchase money, and all of the rehab funds, and you run into a problem, what keeps you slugging away to get the deal finished? Your own stake in the project, that's what. While it's great to know that most of us are 100% honest and have great (0 comments)
Hard money lenders make risky loans - 01/17/11 06:56 AM
Hard Money Myth #4 Hard money lenders make risky loans. The reality: While the collective wisdom, even among real estate and mortgage professionals, is that hard money lenders make risky loans, our experience is that the opposite is true. Because such lenders are typically lending their own money (as opposed to a bank employee lending someone else's money) they are particularly risk averse. Unless a hard money lender really understands how to value the collateral against which he is lending and the prevailing market, he will likely not make the loan, regardless of the strength of the borrower or the LTV. (2 comments)
My cell phone has a sense of humor! And more discretion than I, apparently. - 01/12/11 07:57 AM
A few of us were networking after a real estate investor meeting the other night. A friend had gotten a new Droid and was amazed at what it could do - pull up listings, get him to the listings, etc. I also have a Droid, and decided to check my email. I explained to him how I was starting to use the voice feature for navigating. For those of you who are not blessed with a Droid, you can tell your phone "Bank of America" and it will find all the "Bank of America" locations near you in order of proximity, (3 comments)
Hard money is too expensive - 01/10/11 09:44 AM
Hard Money Myth #3 Hard money is too expensive. The reality: Hard money is likely going to be more expensive than that advertized by traditional lenders, i.e. a bank. However, bank financing may not be an option, for any of the following reasons: 1. A quick funding date may be impossible for a bank to meet. 2. A rental property may have just recently been leased and is not adequately seasoned. 3. The property condition may preclude bank financing and the borrower intends to rehab and resell quickly. 4. The borrower is self-employed and has difficulty documenting his income. Hard money (0 comments)
Why real estate investors need owners title insurance - 01/09/11 08:54 AM
The Massachusetts Supreme Court recently upheld a decision in the controversial Ibanez case. To oversimply, many lending institutions assigned mortgages to other entities without the assignment paperwork having been created and recorded. These new entities initiated foreclosure proceedings. The assignments would then be subsequently created and recorded. This was common practice for many instititutions, and it continued for some time until challenged in court in the Ibanez case in Springfield in March 2009. The Supreme court decision simply confirms the previous ruling, and is not really new information. Some lenders will now need to initiate foreclosure proceedings all over again, running (0 comments)
Hard money borrowers are in trouble? Says who?! - 01/06/11 09:42 AM
Hard Money Myth #2 Borrowers are desperate, in trouble and without options. The reality: Most hard money borrowers are solid, successful businesses that have circumstances or opportunities that do not fit well into the rigid structure of institutional lending. They choose the hard money route because 1. The property they are buying doesn't fit into conventional lending standards, or 2. The conventional lender will take too long for the opportunity in question, or 3. the hard money lenders are flexible in structuring transactions. In our case, since we lend hard money only to investors and companies on properties in NH and (2 comments)
The reality: Most hard money lenders are simply business people - not predatory lenders. Most principals in hard money lending organizations are successful businessmen or women with backgrounds in law, accounting, banking, real estate development or real estate investment. They provide a needed service. Many are lending their own money along side money entrusted to them by friends, relatives and close associates. Making loans is their business, and a bad reputation is counter productive to that effort. Referrals are the life blood (5 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.