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Real Estate Investing: How to Choose a Lender
To become a successful real estate investor it's vital to have a long-term relationship with a good lender. Having a flexible lender who knows your needs and objectives can be the difference between success and failure in your investment career.
Choose several lenders to begin with, and then interview all of them. Ask friends, other investors, and realtors for referrals. Call all of your potential candidates in the same week, so you'll have identical criteria for comparing their rates, fees, and programs.
Instead of trying to fit into a lender's program, interview your lenders by finding out how they can accommodate your needs. Here are a few questions to ask:
1. What are their requirements for middle credit scores and income?
2. What are their standard loan costs? These include things like points, processing, underwriting, documentation preparation, filing, and credit report fees. Can you add these fees to the loan amount?
3. Is there a required holding period before you can resell the property? Are there prepayment penalties when you flip your investment properties?
4. Do they require mortgage insurance? If so, what is the minimum percentage you'll need to put down in order to avoid having to purchase that insurance?
5. How much can you finance, and can you finance fixer houses? How much down payment would be required on such houses?
5. Can sellers help with the loan costs, and to what extent?
After you've interviewed your potential candidates, make your choice according to the programs that fit your needs, as well as from the feeling you get from that person. Do they seem as if they'll be easy to work with from a personal standpoint? Since you're hoping to use that lender again and again, it's important that you feel comfortable with them as a person as well as a source of financing.
A good lender wants your repeat business and works hard to find the right loan for each transaction. They may even be able to help you locate potential investment properties. Finding a great lender is a crucial component for your ultimate success as a real estate investor, so choose carefully.
(c) Copyright 2004, Jeanette J. Fisher. All rights reserved.
Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, newsletters, and sales flyer template, see http://www.doghousetodollhousefordollars.com/pages/5/index.htm
Real Estate Roundup 11.25.20 Real Estate Daily Beat
Recent Commercial Real Estate Transactions The New York Times
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Behind Deutsche Finance’s American buying binge The Real Deal
Culmen CEO Ed Blake talks Covid-19 impact on commercial real estate industry - Dayton Business Journal
Culmen CEO Ed Blake talks Covid-19 impact on commercial real estate industry Dayton Business Journal
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Sponda recognised amongst the best companies in the global GRESB Real Estate Assessment - GlobeNewswire
Sponda recognised amongst the best companies in the global GRESB Real Estate Assessment GlobeNewswire
Chase Rogers, Real Estate Mogul Shares How You Should Approach Selling Your Home in 2021 - GlobeNewswire
Chase Rogers, Real Estate Mogul Shares How You Should Approach Selling Your Home in 2021 GlobeNewswire
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Sandusky County real estate transfers The News-Messenger
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Respada congregates global thought leaders to discuss the 'Future of Commercial Real Estate' PRNewswire
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People and Property: Real Estate and Construction News From Around NH - New Hampshire Business Review
People and Property: Real Estate and Construction News From Around NH New Hampshire Business Review
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Real estate firm buys Scottsdale industrial park, plans Valley developments - Phoenix Business Journal
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How Evolution Enterprises approaches real estate investing Albany Times Union
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BHHS California Properties Brings Together International Real Estate Panel at Annual Luxury Event RisMedia.com
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COPT taps commercial real estate veteran Todd Hartman as new COO - Washington - Washington Business Journal
COPT taps commercial real estate veteran Todd Hartman as new COO - Washington Washington Business Journal
Real Estate Insider: Blue Ocean sells The Falls at Roland Park development in Baltimore - Baltimore Business Journal
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Real Estate: Choose a Realtor You Can Trust
Today's volatile real estate market involves complex laws and fluctuating financial conditions. Maybe you've outgrown your first home; maybe you're in the process of turning over your fourth.
The Sadness of Old Buildings
From the book No Smooshing!For years, I've carried on a not-so-friendly debate with some of my artist friends from the West Coast about their ideas of what constitutes a good subject. We seem to be able to agree on certain things, like apples and oranges-and even certain landscapes.
The Real Estate Market In Spain: Making Profits Out Of Sand
The Real estate market in Spain keeps gaining momentum and is of a vital interest among overseas investors. Property prices in the country continue growing at rapid pace due to a sustainable development in many areas of the mainland and the islands.
Buying Rental Property - Avoid Sellers Tricks
Be careful when buying rental property. We stayed at a motel for a week one winter.
Foreclosure under a mortgage requires a court ordered sale conducted by the sheriff or other court-appointed official. Foreclosure process is called judicial foreclosure.
Real Estate Investing - "The Neighborhood Factor"
Real estate investing can be a dream career when the process of buying and selling is mastered. The biggest challenge in real estate investing is not the money to get started or the availability of the product.
How To Find An Experienced Monticello Illinois Realtor
Finding a professional Monticello Realtor in Illinois is thebest way to find the perfect property or home. A licensedrealtor can assist you in locating the type of property youwant in the price range you desire.
No More Estate Agent Fees
Follow a few simple guidelines, and marketing your own home can be easy. And it will save you thousands.
Real Estate Investing - Finding Cheap Houses
Real estate investing expertise can certainly accommodate the luxury home market. In some ways, the upper end of the housing marketplace produces easier success than the lower end.
Working With Your Real Estate Attorney
Purchasing or selling a home will probably be one of your largest and most important financial transactions. Before signing a contract to purchase or sell a home, both buyer and seller should consult an attorney to assure that the real estate transaction will be handled legally and professionally.
Home Staging Strategies
Who are you preparing your home to sell to?You, as a home seller, have two initial choices.1.
Secrets of Making Money from Real Estate - Part 5
Where to from here:One property is great, but It wont make you very wealthy. Below is the expansionary model of what I think a good real estate portfolio should look like.
Realty Agents: Don't Ask Don't Tell?
Real estate stories radiate from the water cooler and cocktail parties like a brush fire out of control. Like early stages of fires, real estate transactions start out manageable, but occasionally real estate consumers fan the flames because of inexperience, and some real estate agents misplace the water buckets.
Directionals Move Properties
One of the most effective and frequently overlooked methods of filling or selling a property is the use of directional arrow signs. I'm guilty of it myself, although usually I'm merely lazy instead of overlooking this great marketing technique.
Selling Your Home: The Power of a Great Sales Flyer
Even though its importance is often overlooked, a great sales flyer is one of the most effective tools for selling your house. Whether your home is listed with an agent or not, make sure that you have a dazzling flyer.
Real Estate Investment - Why it is Big Business?
When examining the different asset classes, real estate is generally far less volatile than shares and real estate tends to be the haven that investors flock to when other asset classes are suffering.It is true to say that investment properties can have many benefits in terms of building long-term wealth, but we must never forget that this wealth is not guaranteed!Following the global real estate boom of the late 1980's many investors learnt this hard lesson when they found their properties were worth far less than they had actually paid for them and the bottom seemingly fell out of the over-inflated market.
Real Estate Investing: Sales and Negotiation Skills are Critical
Do you want to build wealth through real estate? You need expertise in two critical areas: specific investment strategies and sales and negotiation skills. But if knowing how to identify good deals is what's really important about investing in real estate, why do investors need to worry about their sales and negotiation skills?"Knowing how to identify good deals is certainly a critical part of real estate investing, but it's not the only part," says Russ Whitney, internationally recognized real estate expert and bestselling author of Millionaire Real Estate Mentor (Dearborn Trade Publishing).
Investment Real Estate Done Right -- Your Quickest and Safest Path to Wealth
In investment real estate the quickest way to wealth is through owner financing, or lease optioning. So, let's take a look at one model transaction, involving the purchase and sale of two properties on lease-option contracts so you an apply it to your own investment real estate system.
Real Estate: Financial Considerations $$$
Raw land as opposed to improved property is much more difficult to finance through traditional lenders. The main reasons are that it generates very little income, development costs can be expensive, there are no buildings or improvements that can be used as collateral, and it is often considered speculative.
Probate & Obituary Marketing
I start my marketing with obituaries followed with probate filings and find it just another effective way to acquire property.Short of courthouse research you can go to your local library and go to the reference department and research using what is called a Polk City directory that will list if the deceased party owns real estate.
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