ARE YOU REALLY A TWENTY FIRST CENTURY INVESTOR? - FINANCING - HELPFUL CAR BUYING TIPS

Financing > Are You Really A Twenty First Century Investor?

Are You Really A Twenty First Century Investor?

by: Steven Battle

Real Estate Investors that educate themselves about CURRENT MARKET TRENDS will reap huge returns NOW!!! Information concerning NEW TRENDS in financial resources will open new and more profitable real estate opportunities for your business.

Today?s residential real estate market for investors has become very competitive in most major markets. The vast majority of real estate investing seminars and clubs are encouraging you to search out desperate home owners or distressed properties to be rehabbed.

Not to mention the fact that today?s disillusioned stock investors have now realized that residential real estate investing offers better returns, with less capital risks. As you seek to identify your lucrative real estate opportunities, have you noticed that the good deals are getting harder to find? I am not here to discourage you from investing in real estate, but would like to share real estate investment opportunities and information with you?..opportunities that only a few people are aware of and regularly participate in. That?s right; I am referring to a niche investment market that has VERY LITTLE competition. This unique information is currently setting new trends within the commercial real estate investment community!

I know you are ready for me to tell you about this quiet niche investment market, so I will...... it is?.??. ???..Commercial Real Estate. There are HUNDREDS, maybe THOUSANDS of niche market investment opportunities within Commercial Real Estate. And by the way........ the main reason why so few investors go after commercial real estate, and that might include yourself, is that you're not convinced that you would qualify for commercial financing ! ! Most investors are lead to believe that a 20% down payment is required to start the process for purchasing commercial properties. WELL, THIS IS NOT TRUE!

Let?s do the math now?? financing a property that cost $5 Million dollars with 20% down would require you to put down $1,000,000 and you would still have to add in legal fees and closing costs. Yes, I know that only a few investors or even investment groups are able to meet these down payment requirements. Your first mistake as an investor would be to go to your local bank to seek financing, or worse, go to private or hard money lenders. First, remember the banks are regulated by the federal government and they are required to underwrite conforming loans and second, bank loans tend to be very structured and are generally inflexible to your project needs. In most cases, THESE LOANS will require a 20% DOWN PAYMENT OR MORE! The only benefit of using private or hard money lenders is when" NO OTHER FINANCING OPTIONS EXIST FOR YOU!"

FINANCING is the key ingredient to identifying lucrative real estate investment opportunities, yet, so few people truly understand the power of knowing WHERE to find the right financing and HOW to get it! WHAT IF you had several lenders, today, that would only require you have 2 to 3% down payments (on certain qualified projects)? WOULD THIS BE OF INTEREST TO YOU? A $5,000,000 loan with 2- 3% down payment equates to putting down $100,000 to $150,000. As an individual investor, this down payment would still be pretty steep for you however, today, many residential investors are already joining and forming Investment clubs to increase and enhance their purchasing power. TO ALL residential real estate investors....... the REAL MESSAGE here is that you are closer to buying commercial real estate than you think! This example should make it clear to you that finding the right financing is the FIRST step and the key ingredient to your real estate investing??.. however, there is a PROBLEM.

The problem is that as an investor, you have been trained to shop for properties FIRST, and almost never for financing. Finding the right financing FIRST will save you and make you more money over time, than you purchasing the undervalued properties and selling them later at or above market prices. I will repeat this?.. MOST REAL ESTATE INVESTORS DO NOT UNDERSTAND THE IMPORTANCE OF FINANCING within the investment equation. The ability to save on the amount of the interest rate you are being charged?. month after month?.. year after year? 2 or 3 % or more is huge. You may also find out what I already know?.. . by securing the financing first?..THIS OPENS UP NEW INVESTMENT OPPORTUNITIES!

Let?s review some of the BENEFITS that come with purchasing Commercial Real Estate:

Unlike residential real estate, commercial real estate?s only purpose is to make money for its investors. If there was a 7% cap rate on the $5,000,000 sample property, it would cash flow $350,000 annually.
Do you think you would enjoy having professional tenants with long term leases?
Would it excite you if your investment projects qualify for Non recourse financing?
You can totally eliminate the process of rehabbing properties.
How about this?? YOU no longer have to chase tenants down to collect rent.
You no longer have to pay penalties to lenders for not being in owner occupied properties.
Expand your investment search throughout all 50 states.
Last and probably the MOST BENEFICIAL of all of the perks?.You can qualify to purchase these properties using your commercial tenant's credit rating, business cash flow and their long-term rental leases!

In an era where information rules, the small to medium sized real estate investor can NOW be a "Front Runner" AND a major player within the commercial real estate market!, says Steven Battle

We are searching for like -minded real estate investors and investment clubs that would like to join a Commercial Real Estate Investor Forum. We welcome that you come and ask your commercial financing questions and share your investment experiences with the group. Go to www.amoneybroker.com/ and click on "Join Our Investor Forum."

About The Author

Steven Battle, Commercial Financing Specialist with Amoneybroker.com, has over twenty years of experience in financing, property management, real estate investing, and direct sales.

www.amoneybroker.com/

Helpful Car Buying Tips

Helpful Car Buying Tips

by: Matthew C. Keegan

Purchasing a new vehicle is a stressful chore for many people. Ask the average person what they dread most and they will tell you that ?price haggling? is the worst aspect of negotiating a price. Few people come away from the deal believing that they got a fair shake; a significant minority will admit that they got ripped off if you press the issue with them. Besides shopping at a ?no haggle? dealer ? Saturn, for example ? how can you avoid an unpleasant experience? Better put, can you? Let?s take a look at some ways you can gain better control over the car buying experience so that you can save yourself some time, money, and a whole lot of aggravation.

Stay away from the hot sellers. Many Japanese brands are sold at full price and bargains are hard to come by. Still, if you do a little bit of research you should be able to shave several hundred dollars off of the sticker price or secure a very low...

Helpful Car Buying Tips

Financing > Helpful Car Buying Tips

Factoring Fundamentals - Vendor Financing

Factoring Fundamentals - Vendor Financing

by: Howard I Schwartz

Factoring is an efficient and reliable way of meeting capital needs of the business. It is beneficial when a business promises to have definite profits in future but faces capital deficit to get the project completed.

Factoring Fundamentals: ( http://www.hjventures.com/factoring/factoring.html ) Principles that govern factoring are same as those governing bank loans, credit cards and other such lending methods. The basics of factoring are divided into two main practices. When a factor purchases an estimated value of the future account receivables it is known as non-recourse factor practice. In non-recourse factoring the factor bears the bad debt risk and the business owner is required to pay interest to the factor for the period specified in the factoring agreement.

The second full-recourse factor...

Factoring Fundamentals - Vendor Financing

Financing > Factoring Fundamentals - Vendor Financing

Bootstrap Financing Your Way To Business Success

Bootstrap Financing Your Way To Business Success

by: Stephen Pope

Do you need to start or grow your business but have little money? Before you look to banks and similar sources of financing, why not bootstrap your way to business success?

A bootstrap is a small loop of leather or other material that is found on the top rear or sides of a boot. The purpose of the bootstrap is to help you pull your boot on.

In business, bootstrapping has come to mean helping oneself without seeking outside help. It means using your own resources to finance, promote, and develop your business.

Here, then, are some ways of financing your own business by using your own initiative and depending less on outside bank financing.

1. Operate a Home-Based Business

Operating your business from home could save you a fortune. First of all, you eliminate the costs of expensive commercial rent, commuting, et cetera.

As well, your business use...

Bootstrap Financing Your Way To Business Success

Financing > Bootstrap Financing Your Way To Business Success

Car Loan Quote - Comparing Loan Quotes

Car Loan Quote - Comparing Loan Quotes

by: Carrie Reeder

Don't settle for the first auto loan quote that crosses your path. There are various methods now-a-days in which individuals can acquire an auto loan. Be sure to compare all the pros and cons of each method to ensure you are getting the best bang for your buck. There are four main ways to acquire an auto loan quote: dealer loans, credit unions, home equity, or with online quotes.

Dealership Auto Loan

Dealership loans are fairly common. In the past, a dealership loan was the only way to finance a vehicle. Times have certainly changed! One thing is certain, dealership loans are convenient. While you sit and fill out papers for the vehicle you will purchase, you might as well fill out papers for a loan to finance that car. Yes, dealership loans are quite simple, however, sometimes they are not in your best interest. Convenience doesn't come free. Many times, these loans have higher...

Car Loan Quote - Comparing Loan Quotes

Financing > Car Loan Quote - Comparing Loan Quotes

A Real Estate Formula

A Real Estate Formula

by: Steve Gillman

It was a simple real estate formula. The ads ran in our small-town newspaper for years before I realized exactly what was going on. They were always the same: A house for sale with 5% down and payments of 1% of the purchase price. Maybe a three bedroom home for $90,000, for example, with $4,500 down and $900 per month payments.

When a friend started doing the same thing he explained the process to me. It was a way to get a great return on capital, and it was the opposite of buying with no money down. There is no down payment at all when you buy, because you buy for cash.

The Simple Real Estate Formula

You probably know that when you buy for cash, you can often get a much better price. With no financing contingencies in the offer, and the promise of a faster closing, sellers are willing to sell for less. You can offer $95,000, for example, on a house that might be worth $108,000. If you can't...

A Real Estate Formula

Financing > A Real Estate Formula

Buying A Car? Tips About Financing

by: Gregory Ashton

Before purchasing a dream car, try to assess if the budget can really afford it. Questions like, how will it be paid, who will be helping to pay for it, what is the price limit of the car to be bought, and how long will it take to pay off the car? These should be considered even while planning to buy the car. The trend nowadays is that people buy the cars by cashing out the down payment, and the balance will be paid by installment. Others are just lucky enough to have saved the right amount of money that they are able to cash out the total cost of the car, which, by the way, seldom happens now. Never set aside the possibility of paying thousands of dollars when buying from a dealer or a specific car company, where in the end, charges you more for the interest which takes even years to pay.

Once you have found a way to finance the car you are eyeing on, then it's time to start shopping around....

Buying A Car? Tips About Financing

Financing > Buying A Car? Tips About Financing

A Beginner's Guide to Finding a Loan

by: John Mussi

Finding a loan can be a hassle sometimes? though there may be a large variety of options available, it can be difficult to determine which of the choices available to you will best suit your needs.

One of the best ways to find a good loan that will meet your needs is to shop around, comparing loan rates from different lenders and seeing whether a traditional lender such as a bank or finance company is best for you, or if you would do better with a low-interest loan from an online lender.

If you're new to lending as a whole, however, you might become even more confused by some of the options that are available to you? to help ease your confusion, here are some of the most common options that you might encounter.

Secured and Unsecured

Most any loan that you get is either going to be secured or unsecured. What this means is that you may be required to use some form of property...

A Beginner's Guide to Finding a Loan

Financing > A Beginner's Guide to Finding a Loan

Obesity Letter

by: AllMed Healthcare Management

Obesity has reached a crisis level in this country, with obesity registering at 30 percent of the population. Gastric bypass surgery is generally considered to be the best surgical procedure for the treatment of morbid obesity. In fact, doctors are expected to perform 140,000 bariatric surgeries in 2005 alone.

As payers and practitioners in the medical community, we are well aware of these statistics and their...

Obesity Letter life insurance Financing

Financing > Obesity Letter

6 Perfect Christmas Gift Ideas For Her

by: Rosie Fletcher

How can you shop for a woman who already owns everything she wants? It?s not as difficult as you may think because there?s always a unique approach at buying for the woman who seemingly has a closet full of clothes or a box full of jewelry. Besides, there?s always room for one more outfit or piece of jewelry.

Gift Idea For Her #1: Diamonds

Diamonds are timeless and always in style. The most...

gift basket 6 Perfect Christmas Gift Ideas For Her

Financing > 6 Perfect Christmas Gift Ideas For Her

The Three Kings in Spain

by: Susan Pedalino

So the tree and its trimmings is back in the loft, you?ve trawled the sales with a fine tooth comb and all that?s left are mismatched pairs of shoes and banana yellow coats, you have probably even broken at least one of your resolutions. Well, how do you fancy a bit of ?groundhog day?? Imagine if you had to do Christmas again, this weekend!

Whilst everyone in the UK is detoxing and seeking psychiatric help, those...

The Three Kings in Spain

Financing > The Three Kings in Spain

Lab-Created Diamonds ? Simulated Diamonds And Manufactured Diamonds Review

by: Robert Joseph

There has been a great deal discussion about lab-created diamonds. Along with that talk, there is much misinformation and perplexity. The jewelry lover, who is interested in realizing the huge savings and aesthetic beauty that simulated diamonds offer, is often bewildered by the manufactured diamond industry jargon and available options. This article will categorically...

diamond Financing

Financing > Lab-Created Diamonds ? Simulated Diamonds And Manufactured Diamonds Review

How Checking Works

by: Jakob Jelling

Help yourself avoid overdraft fees by understanding checking.

While there is a lot of attention put on people who get into financial trouble based on the amount of money that they charge to their credit cards, that is not the only problem that people commonly have. For instance, checking accounts can cause trouble as well, especially if you do not know how checking works. Therefore, before you start using your checking...

checks

Financing > How Checking Works

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