A Quick Guide to Real Estate Investing


In today’s market, stocks and other “traditional” investments are fading from the safety zone as forecasts of the future become more and more obscure. As Americans’ trust in Wall Street seems to wane, surprisingly the one solid foundation we can go back to believing in is real estate. What has become blatantly clear for most savvy investors is that we are experiencing one of the most opportune times in almost a century to invest in real estate.

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About Hard Money Lenders


So many first time investors are curious about hard money lenders. Who are they? What is it? How do I get some? Is it beneficial? Let me share with you some of the basic principals about hard money lenders. First of all, lets determine what the term “hard money” means. When money is discussed between investors, it is considered to either be “soft” or “hard”. Typically soft money is easier to qualify for and the terms are flexible. Hard money, on the other hand, is just the opposite. It is much more restrictive. Not in that it’s more difficult to obtain, but the terms are very specific and much more strict. They have to be, because most hard money comes from private individuals with a great deal of money on hand. This is why hard money is also referred to as “private money”. The money used for investment purposes comes from people, just like you and I, not a typical lending institution. So their first priority is to protect their investment capital. This is why the terms have to be so strict. If it were your money, you would want the same.

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Avoiding Foreclosure Scams!


Foreclosure Scams are on the rise because of the increasing number of foreclosures. It’s very important as homeowners to know about these scams and avoid them like the plague. They may cause you more harm and headache as they prey on desperate homeowners looking for solutions.

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Basic Tips for Buying a Rental Property


Purchasing a rental home is a substantial investment. Your investment should be solid and produce enough cash flow to make it worth your time, energy and the financial commitment that is necessary to be a successful landlord.

Not every home makes a good rental. In fact, a valuable rental requires that real properties meet several key criteria.

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Buying “Subject To” an existing mortgage


Taking over a property “Subject To” an existing loan is not as hard as it may seem as long as you know what it is. If you know what it is and how to explain it to the seller, and what steps to use to protect the loan from being called, you can buy many more properties faster than you can if you have to go get new loans on each purchase. Here is how . . . When financing a property, the note says I owe x amount of money and the Deed of Trust or Mortgage says, “here is how the lender proceeds to take over the collateral or sell it if I don’t pay the note as agreed upon.” Generally, the person borrowing the money is personally liable on the loan. This means that if the collateral that backs the note, once sold, is not enough to cover the debt, the borrower must make up the difference from their other resources.

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Buying A Foreclosure - Pre-Foreclosure, Auction or REO


Buying a Foreclosure

Buying a foreclosure is a great way to purchase a property, pick it up for a reasonable price and flip it for a nice profit. There are basically 3 different ways you can buy a foreclosure. The first way is to buy a pre-foreclosure. This is a property that is delinquent, but hasn’t made it to the auction yet. The next way is to buy a property at the auction. We do NOT recommend this method unless you are an experienced investor because there are several things you need to be aware of before you start bidding.

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Buying Foreclosure Properties


Lease Option - Lease With Option To Purchase Lease options are becoming more and more poplar for both homeowners and investors alike because of the recent economic turn. Many homeowners have been forced from their homes due to foreclosure, their credit os ruined and now they are looking for a solution besides simply renting… which is why they are turning to lease options.

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Buying Rental Properties


The Good, The Bad, The Ugly With Investment Property [rental property example] Depending on who you speak with, some people won’t touch rentals with a 10 foot pole. However, those that can get past toilets, tenants and termites find that rental property can set them up to receive a steady income stream for the rest of their lives if done properly. Clearly there is a right way and a wrong way to be buying rental properties. Let me share with you a few things I’ve learned along the way that might help you when acquiring rental properties.

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Convertible Debt (Aka Convertible Notes)


When sourcing capital for a new business venture, entrepreneurs utilize one of two basic structures: debt or equity. Debt is a capital source with a finite life and clearly defined return profile known at the initial investment. With debt financing, a company is required to pay interest throughout the term of the loan with principal repaid at maturity.

Conversely, equity investors are issued shares representing ownership in an enterprise. While equity does not require repayment over a defined time period, an entrepreneur’s stake in his or her company is diluted through the issuance of equity to outside investors.

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Fee Simple


A holder of title in fee simple absolute has complete, full possessory rights to the property, both at the present and in the future, for an infinite amount of time

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General Investing Questions & Answers


All of our loan officers are thoroughly trained and experienced to assist investors in every aspect of rehab and financing of thier real estate project. From purchase, to rehab, all the way to selling, Direct lending Partner & its loan officers have the experience investors need to complete a fast no hassle rehab investment.

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History of Crowdfunding


Crowdfunding has a long history with more than one root. Books have been crowdfunded for centuries: Authors and publishers would advertise book projects inpraenumeration or subscription schemes. The book would be written and published if enough subscribers signaled their readiness to buy the book once it was out. Thesubscription business model is not exactly crowdfunding since the actual flow of money will only begin with the arrival of the product. The list of subscribers has, on the other hand, the power to create the necessary confidence among investors that is needed to risk the publication.

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How does Lien Priority affect me?


To explain this as simple as possible, when you buy a home and get a loan for the home, the lender puts a lien on the property. By doing so, the property becomes collateral for the loan. So, in the event the homeowner is unable to make payments, the lender can force the sale of the home to get paid. There can be several liens at one time on a single property? Lien priority is based on when things get recorded. So let me give you an extreme example to illustrate lien priority.

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How To Do a 1031 Exchange


To do a 1031 exchange effectively, you must exchange one property for another property of similar value. In the process you avoid capital gains, at least for a while.

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Joint Tenancy


In a joint tenancy title, there are two or more owners who hold an undivided share in the property. Joint tenancy usually implies a right of survivorship.

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