Real Estate Investing for Retirement

Managing Real Estate Broker with VANCE ELLIOTT REALTY 416464

There are many theories about how to plan for your retirement. One I have taken on personally is to make a goal for myself to implement new proven strategies to make passive income.

Try to make a goal for yourself this year to build and expand your real estate nest egg. Once you purchase your property, put it on an aggressive amortization and/or a bi-monthly mortgage and you will see that 30 year amortization cut to 18 1/2 years plus or minus. Likewise, apply additional cash flow to principal reduction. By the time you reach retirement age, the asset will be paid off, you can sell the asset as a seller financed note, and you will reap all the interest and equity in that property.

Call me to assist you in finding properties to start, add to, or finalize your investment portfolio. 

Cari Patterson-Broker Vance Elliott Realty 512-423-0698

Comments (26)

George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Cari welcome to ActiveRain, and congratulations on posting you first blog on this site.

Aug 12, 2016 02:08 PM
Cari Patterson

Thank you George!  I hope to post more!

Aug 15, 2016 01:15 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Hi Cari, yes Real Estate is a large part of my retirement plan, hopefully it all works out well.

Welcome to Active Rain, looking forward to reading many more of your posts, let me know if there is anything that I can do to help as you get started here.

Aug 12, 2016 03:47 PM
Bob Crane

Hi Cari, points are easy, just have to develop the right habits and stick to them.

The investing does get tougher though, as I am sure you know.

Aug 15, 2016 01:23 PM
Cari Patterson

I hope to learn from all of you masters....!!! 2 million points.... WHAT? How do you do that?


Aug 15, 2016 01:16 PM
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

Good morning Cari Patterson that sounds like a great game plan..... always consult with an accountant and get guidance from that accountant and an attorney....  there may be significant tax liabilities up front..... I've held mortgages in the past but I still needed to pay tax on the gain!!! 

Aug 12, 2016 09:13 PM
Cari Patterson

Thank you Barbara! Always gotta play by the rules!!  Can't escape what 2 things? Death and Taxes!!! Have a great week!

Aug 15, 2016 01:18 PM
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

and welcome to's a great place to learn, share, market and network....and I hope you enjoy and benefit from all of it....

Aug 12, 2016 09:14 PM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Welcome to Active Rain Cari Patterson!

Investing in real estate is one of the great ways to grow wealth for retirement!

We like your writing style!

As REALTORS® who have been here for almost 10 years, it's well worth it!

We wish you great success with your blog posts and networking with other members of Active Rain!

We clicked the “Follow” button on your profile so that we will be alerted to your future blog posts and can read and comment on them, and we invite you to "follow us" - should you be interested - by clicking the “Follow” button you see underneath our photo to the left. There is no requirement or obligation for you to do so, but we would be honored if you choose to do so!

Being “Followed” by another member gains you 50 points, and following another member gains you 10 points.


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If you have a “Rainmaker” account, your blog posts will be visible to the public - a very 

good thing.  You will get the most “bang for your buck” if you “optimize” your blog posts. More information about how to optimize your blog posts can be found at this link:

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If you are currently paying for a Rainmaker account - then the sooner you reach the 500,000 point mark, the better for your wallet!

As we mentioned earlier, one of the best ways to get started is to read through blog posts and questions, identify members who you like to read, follow them, comment on their posts or respond to their questions, and post or ask questions yourself!

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We look foward to seeing your name in lights!

If you have any questions that we can help answer for you, please don’t hesitate to reach out to us - we’re always happy to be of help if we can!


Aug 12, 2016 10:29 PM
Cari Patterson

Love this!! Thank you so much!! More, More More!!  

Aug 15, 2016 01:29 PM
Kat Palmiotti
406-270-3667,, Broker, eXp Realty - Kalispell, MT
Helping your Montana dreams take root

Welcome to ActiveRain, and this can be a great idea for retirement planning!

Aug 12, 2016 10:52 PM
Cari Patterson

Thanks Kat! I look foward to reading your posts!

Aug 15, 2016 01:29 PM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

Investment Real Estate has 4 Annual returns -

Cash Flow , Tax Benefits,  Appreciation , and Equity Buildup

Aug 12, 2016 11:28 PM
Cari Patterson

Michael, I like all of those returns!!! Thanks for the feedback!

Aug 15, 2016 01:28 PM
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

The earlier it is to start investing for income property, the better it is for people to enjoy retirement after working hard. 

Aug 13, 2016 01:12 PM
Cari Patterson

Amen!!! Money, money money!  Haha! Enjoy your week!

Aug 15, 2016 01:28 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good evening Cari Patterson ,  Welcome to Active Rain and congratulations on your first blog.  I look forward to reading more of your blogs in the future.


Aug 13, 2016 02:47 PM
Cari Patterson

Thank you Larry! Have a great week..Looks like you're a pro with 1,427,136 points. What's the trick? 

Aug 15, 2016 01:27 PM
CA COASTAL ESTATES Lauren Selinsky Perez CRS
California Coastal Estates - Aliso Viejo, CA
"Your Real Estate Broker" #oclauren

Welcome to ActiveRain and first blog. Following you now. 

Lauren Selinsky 

Aug 13, 2016 04:27 PM
Harry F. D'Elia III
RentVest - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

Real estate is a big plan for my retirement plan since I am turning 50 in two years.

Aug 14, 2016 12:39 AM
Cari Patterson

Where and what do you invest in? Multi-family? Single Family? Commercial?

Aug 15, 2016 01:26 PM
Realty One Group Alliance - San Mateo, CA
Broker Associate & Licensed Architect

Hi Cari! Thanks foor sharing :) 

Welcome to ActiveRain and looking forward of more posts from you. Following you now ~

Aug 14, 2016 03:21 AM
Cari Patterson

Ditto! Following M Square!! 

Aug 15, 2016 01:25 PM
Peter Mohylsky. Broker -BRIX REALTY
Miramar Beach, Florida - Santa Rosa Beach, FL

Welcome to active rain, great information, thanks for sharing.

Aug 14, 2016 08:45 PM
Cari Patterson

I appreciate it Peter!  I'm learning from the pros!!!!!

Aug 15, 2016 01:25 PM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Paying off the home mortgage before retirement is a very good idea.

Aug 14, 2016 11:03 PM
Cari Patterson

Thank you Roy!  Have a great week!

Aug 15, 2016 01:24 PM
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Barley investments Limited - Boulevard, CA
We Offer lease BG,SBLC,LC

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Aug 14, 2016 11:23 PM
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA


Welcome to the Rain! 

Congratulations on your first post. 

Aug 15, 2016 05:12 PM
Jody Bruns, CDLP
Jody Bruns, LLC - Aurora, CO
Niche Marketing Expert in Real Estate & Mortgage

Hi, Cari Patterson 

Here is a great option for using real estate as an investment tool for clients 62 years of age and over - A Reverse Mortgage purchase can be used on a property up to a 4 unit property. The borrower's must live in one unit at least 51% of the year and on top of never having a mortgage payment, they can also collect rent from the other 3 units.


Many people fear the 'no mortgage payment and accrued interest' on a reverse mortgage but when used correctly, this can be a great retirement platform.

Welcome to AR and we all look forward to see you in the highlights!

Aug 16, 2016 02:48 AM
Rose Clark, Realtor, ABR, GRI
Alain Pinel Realtors - Carmel, CA
Inspiring & Passionate Real Estate Professional

Welcome to ActiveRain, I hope you enjoy this online community as much as I do! Great first post, keep on sharing... Follow me if I can be of any assistance to you on California's Central Coast! 


Aug 16, 2016 03:21 PM
Mery Fernandez Empire Network Realty Luxury Brokerage
Empire Network Realty INC. - Orlando, FL
The Rise of An Empire, Let's Build Yours!

Hi Cari! Welcome to the world of Activerain, may your blogging  create a whole new chapter in your Real Estate Career.

Aug 18, 2016 02:15 AM
Cristal Clark, E-Networking Specialist
Social Animal Studios - Carmel, CA
Digital Marketing Professional

Congratulations on your 1st Active Rain blog post, and welcome! Blogging is a FANTASTIC way to gain exposure and build name recognition both locally and globally, you'll see!

"Follow" me to stay current with my blog... I share social media and email marketing tips for the Active Rain community! I make it a point to stay on top of the latest digital media marketing trends for my clients. It's my job to write social media and blog content for them and I'd be happy to assist you too, just send me a message, or of course, Follow me :)

Aug 18, 2016 03:22 PM