Best Homes in 2018

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Down Payment Problem - Are You Sure?

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There is increasing difficulty for first-time home buyers to save for their down payment as indicated in the graph.  Several factors that contribute to this trend include rising rents, rising home prices, student loan debt and flat wages. Some would-be buyers feel they cannot buy a home today but a large part of those decisions may be based on inaccurate assumptions. Nine out of ten non-owners believe they need ten percent or more for a down payment. The typical down payment for first-time buyers is six percent. VA has 100% loan programs as well as USDA for certain qualifying areas and buyers. FHA is known for 3.5% down payments. And FNMA and Freddie Mac have down payments as low as 3% and 5%. There are gift provisions available for buyers who have an “angel” who would like to help them with their down payment. There are ways to borrow against a person’s qualified retirement program for a down payment. It isn’t necessarily limited to the buyer but could include a relati...
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Fast Track Rental Property

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FHA allows owner-occupants to purchase up to a four-unit property with a minimum 3.5% down payment.   The rent collected on three units could be used to make the payment and the owners' pro-rata share would be less than ¼ of the payment itself. The owner-occupied unit would be considered their principal residence.   The other three units are treated as rental property and eligible for cost recovery, a non-cash deduction plus all the normal business expenses.   The rental income of the three remaining units is calculated as income and assists the buyer in qualifying. A homeowner could buy a four-unit, live in one for two years, buy another four-unit with a minimum down payment, move into one unit, rent the other three as well as the previous unit in the first property.   Then, after another two years, repeat the same p...
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Valentine's Promotion Ideas for Real Estate

By Elle Smith Real estate may not be the first thing that comes to mind when Cupid's arrow strikes your heart, but some novel real estate agents would like to think it is. In a depressed or sluggish real estate market, real estate agents need all the help they can get, and it can be practical and even profitable to come up with a concept to tie in amoré with amortization on Valentine's Day. Personalized Conversation Hearts Industrious real estate agents often use the door-to-door approach when visiting neighbors, family or friends. This usually entails leaving promotional items such as magnets, pens or notepads on a doorstep or front door. On the day of love, however, a box of personalized candy hearts with your business logo or a saying such as "I Love Referrals" or "Be My Next Sale" imprinted on the sweets is a clever way to keep your name on the tip of a potential client's tongue. There are numerous online enterprises that customize candy ...
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