Wholesaling in a dead real estate market- is it possible?

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Woe is me! Thats what the newspapers and network television are saying about the current Real Estate market this year.

The problems with credit and lenders going under is a major problem and I am not trying to make light of that, I do acknoledge there are some major issues in the market right now.

What is the saying? Buy when the market is down and sell when the market is up.

There is not going to be a better time to throw your hat in the real estate market. The deals that are out there now are like no other time and you want to know a secret —–You can still make a living wholesaling in this market!!

People say that nobody is going to buy in this market, everyone is scared or no one can get qualified. I say bullcrap, I have wholesaled 50 properties in the last 6 months.

Can you believe that?

Don’t listen to the naysayers. You find the buyers in your market and find them the deals they want and you sit there and laugh about how everyone else is sitting there on the sidelines while you are getting rich

Up and down that is the way it works and continues to repeat. The market is constantly changing. In a decline the big dawgs that know what they are doing are the ones that are the buyers. You position your self in between a good meal and the big dawg and he wants that meal (deal) bad he will pay for you to move out of the way and you can be the one saying cha ching!

Find the buyer then find the deal, not the other way around.

Three Real Estate Investment Techniques to Boost Your Income

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Planning is the key to any investment strategy. You can look at properties all you want but until you have a plan and act on it you won’t get very far. You must think long term, short term and middle term.

Real estate investing is a long term strategy. Yes you can make short term profits, and you should. You use those profits to fuel your longer term strategies. I can not tell you how many people have called me up and wanted to get started investing right away. I ask them to come and see me so we can go over their plan so I can figure out how to best help them. No they just want to start looking at cheap houses. I cannot help that person unless of course it was a n experienced investor.

A property management company can help you hold properties for the long term. By managing the rentals for, you they allow you to focus on buying properties, not day to day management. This can make holding homes for the long term easier to do.

When you reach retirement how many homes do you have to own free and clear to have a great stream of income. Then your money is working for you, not you working for money. A great agent can help you with your success, by being a great partner on your team. He can help you find properties in great neighborhoods. Properties that people want to rent and that will increase in value over time.

The middle term technique I like is re-habbing a home. It is often easier to get the capital to do this type of investing. While you must do your due diligence, you can earn consistent decent money by rehabilitating a run down property.

There are many ways to sell properties. Today they call it flipping. Like in flip that house. This is one way to get investment capital without taking money away from your household income. Plus you could turn it into a rental if the NOI (net operating income) works for you.

Do you need to earn money to invest? Many of us do and a great technique for doing that is wholesaling. Basically you find a great deal and get it under contract. You can then assign the contract to an investor or retail buyer. When they close they pay your fee. The idea is simple really.

With this approach your not really in the deal and have no risk, other than losing your fee, if the deal falls through. It is a great technique to build up your investing capital so you can use one of the other techniques. There are many investors who simply do wholesale.

The trick here is to do it on a consistent basis. These three techniques can make you very well off in the long run. By combining the three investment techniques you can develop money to invest, provide current income and invest for the long term stream of income.

Pre-foreclosures - Limit your Foreclosure Purchasing Risk

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The term pre-foreclosure, just like it sounds, means that a property or home is about to go into foreclosure. You can get some great values here, before they are seen by the masses looking for foreclosure deals. Prices are generally directly negotiated with the owner, who is motivated to avoid foreclosure.

Pre-foreclosures properties are increasing in numbers every day. Real estate agents understand that investing in pre-foreclosure homes is definitely one of best ways to secure a profit. The timing couldn’t be better then now to get involved in the real estate game because of the sub-prime crisis and other external difficulties facing home owners today.

Depending on your situation buying a pre-foreclosure home can be an improved method of acquiring property rather then buying at an auction. Auctions more often then not require that you have the necessary cash on hand in order to bid. When buying pre-foreclosure homes, however, you don?t necessarily have to have cash on hand.

In the pre-foreclosure sale, you will personally meet and work directly with the home owner. Although the owner may be distressed about loosing their house, by the time you arrive they may see you as a saviour that can help salvage something before foreclosure.

A huge benefit to buying a pre-foreclosure is the ability to examine the property ahead of time. Because the current owner is still living on the property you can physical knock on their door and have a look around and examine the house. You can even discuss with the owner as to any current problems with the functionality of the property. If you time it right and the owner agrees you may also be able to get a home inspection done.

Pre-foreclosures provide the opportunity to see what sort of work needs to be done to the premise, and provide you with an idea as to the budget required to do so. You now have much more information then you would before a foreclosure auction to make the right decision of whether or not to purchase.

Hopefully this article articulated some of the advantages that buying pre-foreclosures is a good alternative. All real estate professionals consider this method as one of your best value options when it comes to purchasing a home

Trading Penny Stocks With Leverage

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By far, the biggest advantage of penny stock trading is the unbelievable leverage that it gives traders. This is the main reason why its absolutely perfect for new and inexperience traders of the stock market.

All of the stock experts tell the inexperience traders to put their money into blue-chip stocks and build a portfolio. They always recommend the same companies like Exxon or General Electric. It sounds like a great idea, but the problem is that most new traders don’t have that much money to put into the markets.

Being that most new traders are strapped for money, let’s say they open their account with $3000. How far do you think that $2000.00 is going to stretch when investing in these kind of blue-chip companies? Not very far. They probably wouldn’t even be able to buy 100 shares of one of these companies.

Let’s use this same example and see how well it works if the trader just invested penny stocks. Think how far that money would stretch. They could buy 6000 shares of one 50 cent stock. He could even build an entire portfolio of penny stocks with that kind of money.

That’s the amazing thing about leverage. You’re able to get more shares of more stocks and your risk to reward ratio is so much better than if you traded the blue chip stocks.

How much of a possible return on your money could you expect to get buying stocks like Wal-Mart, now? Nothing earth shattering, that’s for sure.

Companies like this already enjoyed their growth spurt. They are full grown companies now. These are the kind of the stocks that people hope to get a steady return of 10% a year, if they are lucky.

But when you’re talking about penny stocks, there is no denying how much growth potential they have. Certain penny stocks have gone up as much as 500% a day.

Interested in Investment Properties? Do Your Homework

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Are you thinking of investing in real estate? You might be thinking that real estate can be the easiest way to make money. Many people say that investing in property is the most sure fire way to make a profit. While it’s true that you can make a healthy profit, it is far from easy and before you choose to invest in property you should take a few things into consideration.

Investing in real estate is a complicated business and since there is a large initial investment, a lot can easily be lost if you don’t do your homework. Also spend some time determining what your financial goals are with respect to your property investment. What kind of profit do you want to make and over what period of time? It’s difficult to figure out what kind of profit you can make with property since the market fluctuates. It will almost surely make money as a long term investment but if you’re looking at a short term investment then you might make very little (or no) profit. You might even lose money if you’re not willing to hold on to the property.

Make a short term and long term business goal; a one year and five year plan, for example. You’ll want to estimate how much capital you have to invest which can be tricky if you’re first investment is your current residence. Write it down in detail and review it regularly to see if you’re on goal.

If you only have a small amount of money to invest, say 10,000 dollars, then you’ll probably be investing in your current residence or in the market for a “fixer-upper”. It is possible to get a secondary property with little or no money down if you have good credit but that would mean you’d want to make sure the housing market would rise quickly to offset the amount of mortgage payments. This may not be the wisest way to invest since there are tax implications on secondary properties. This could easily eat away at any profit and even cause you to lose money since you’ll still be paying for your investment after it’s sold.

You’ll also need to consider how much risk you’re willing to take. This will greatly vary depending on your personality type and how much you have riding on the investment. If you have several properties already then you might be willing to take risks. Some choose to preserve there capital and look to the long term while others want a quick return on investment. Be honest with yourself and decide your risk factor honestly.

After you’ve taken all of this into consideration and you’re ready to invest then you can make a huge profit and it can become a full time job.

7 steps for investing in real estate that is not in your market

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Sometimes you have to buck the crowd and do things that others will think you are crazy for doing in order to change your future

An example is investing in rental properties and building cash flow. For some investors it is near impossible to do in their local markets so they have to make a decision.

The decision that must be made is that you are willing to achieve your goals even if you have to invest in another state.

There are states that are boring for most investors when the market is high but now many investors see the boring states alot more attractive because they don’t have the losses as the fast growing states.

When the Bubble burst they also didn?t have a 50% depreciation in a year. In fact they just hang out and many people just don?t even notice.

So what are the steps to finding out of state properties. Here are 7 sure fire steps that I think you must do in order to be successful.

1. Look for strong rent rates in an area. You want to find an area where most of the houses are investor owned. If Investors own the majority of homes there you know there is good cash flow in that market.

2. Look for areas that other out of state investors are already buying in. Google.com and Craigslist.com are the best ways to do this in my opinion.

3. Once you find the area, talk to people their about the markets overall appreciation. Find a market that is just boring, one where no one really ever understood all of the hype about the real estate bubble because it wasn?t happening there.

4. Don’t waste time trying to find the deals and talk to realtors. Just find the local wholesaler and you will find the best deals.

5. Just like on tv and all the spy shows, when the spy wants info they go to the man with all the connections. That is what you are doing when you find the local wholesaler. He will be the big dawg in the area and know all the contacts that you need.

6. Search for the lenders in your area. The hard money lenders in the area will know who the big dog wholesaler in the area is. Talk to other investors in the area and they will tell you where the money is and then the lenders will tell you who is the guy with the most integrity in the area.

7. Contact the wholesaler in your area. It?s much easier and less work than working with realtors. Be sure to do some checking and asking around, make sure he or she is the big dog, so to speak. They run their business off of volume so they find the deals and mark them up just a few thousand and move them so they can keep buying more properties. Besides, the local wholesaler is going to snatch all the best deals up anyway because they are going to have all the relationships with the realtors anyway and get 1st call on the deals.

The work that the wholesaler does in order to find his deals is more than worth the few thousand dollars he or she will mark the property up.

use the wholesalers contacts and you will acheive your investing goals alot faster.

Then what? You ask.

Do some deals! take hold of your future and make it what you want it to be.

Be Bold and Courageous, it will change your life!

Foreclosure How To Buy property below market value

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For the investor learning about foreclosure how to buy property below market prices can be a gold mine. A homeowner can be faced with many challenges, but the threat of foreclosure is probably the most embarrassing problem of all. The threat of foreclosure usually comes out of nowhere and happens faster then most people realize. When a property owner is sinking into foreclosure the smartest thing they can do is protect their credit rating by selling the property before it reaches foreclosure.

The first thing to understand about foreclosure investing, is that you are actually helping the homeowners save their credit rating. The homeowners obviously don’t want their home to be foreclosed. They not only lose their home but they also severely damage their credit rating. The banks and mortgage companies don’t want to foreclose on homes, because they stand to lose a great amount of money on the loan.

Banks and mortgage companies are in the lending business, not the property management business. When a bank or mortgage company forecloses on a property, they do not gain an asset, they lose capital. Their capital is tied up in a property instead of being put to work and making more money. Banks and lending companies want to free up the capital that is stagnant in the property, and re-invest it in new loan.

Foreclosure is when a mortgage lender gets a court to terminate the borrows equitable right of redemption. This happens after the borrow defaults on the loan. There are a lot of legal twists and turns that go along with the foreclosure deals, but one thing is perfectly clear. It is a stressful and sad time for those involved.

Thirdly, bank owned property is required to come with documentation that requires disclosures of certain information prior to or upon completion of a sale. If you as the new buyer fail to make these disclosures, which again vary from jurisdiction to jurisdiction, your sale may be nullified, and you could face fines or lawsuits by the bank or previous owner as a result, so be wary of completing all paperwork when trying to purchase a foreclosed property.

Lastly, ensure that you’re mentally capable of making the decision of purchasing a home from a family in distress. Many people suffer a sort of buyer’s remorse when they come to consciously realize that the property they just purchased is forcing another family out into the cold, so to speak.

Due to this crisis, a new trend has emerged. People are popping up everywhere wanting to know about bank foreclosure properties. And what are bank owned properties? Sometimes when a bank foreclosure sale auction has failed to sell a bank owned foreclosure and now the bank is stuck with a property that no longer has a mortgage.

Selling before a foreclosure is final can be the best solution for all parties. The homeowners do not damage their credit and lose all the equity they have in the home, the lenders do not have ownership of a property they don’t want, and the investor can make a greater profit. For this method to work the equity in the property must be greater than the balance of the loan.

A real estate investor purchases the property from the homeowner paying the remainder of the mortgage and performing any repairs or upgrades needed to get top dollar when selling. They can find properties in newspapers, the county offices and online foreclosure listing companies. They can find homes not yet on the market by contacting the lenders directly, and can also find foreclosure auctions from legal listings and courthouses. In order to find homeowners who need their services The investor will need to advertise. For more tips on foreclosure how to buy.com

What You Need To Know When Trading Penny Stocks

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I know there is a lot of people who feel there are other kind of rules for trading penny stocks, but nothing could be farther from the truth.

Some things that you do need to look at though before you start trading penny stocks. These are fundamental data, technical analysis, and news.

With fundamental data, you need to look at the statements from the companies. These statements include statement of cash flows, income statements, and balance sheets.

Research the company’s quarterly statements. See if each quarter on the income statement whether their net profits have steadily increased or decreased. Take a look at the balance sheet and notice the debt to asset ratio. Are debts increasing while assets are decreasing or vice versa.

If you are looking to find the penny stocks that are ready to explode then you are going to have to do some technical analysis. Pull up a chart!

It’s not like you have to smother the charts with indicators. You just need to be able to understand price action. Learn to spot support and resistance, just by looking at a chart. If a penny stock is going to take off it’ll show on the charts.

There may be no other bigger factor in trading penny stocks than the news. How many stocks come from nowhere to explode onto the market scene? Quite a few actually. If you don’t believe me, all you have to do is look at every time a small time pharmaceutical company gets approved for a new drug. Suddenly, you hear about them on CNBC.

Another key factor when picking penny stocks to trade is the particular sector the company is in. What niche are the trying to carve out for themselves? A perfect example is eBay. When eBay was first starting out, do you think many people were kicking down the doors to invest in an online auction site? I doubt it. But that was their fault, because you could see what happened to the company.

The 5 Keys To Stocks Trading Success: Profit Margins

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The fifth and final part of this series deals with the profit margin, which is traditionally an undervalued concept in finance today. Profit margin is something that many shareholders are concerned about when going through the books of their company and they always urge directors to improve profit margins. But why do they do this?

Before outlining the reasons behind focusing on profit margins when making investment decisions, I find it ideal to explain what “profit margin” actually means for those who are new amateur investors. Basically, profit margin is written as a percentage which refers to the proportion of net sales that becomes net income after all expenses are taken into account, which normally includes tax.

Therefore, a high profit margin means that the company is controlling its costs very well, which is what investors all look for. On the other hand, a low profit margin indicates a low margin of safety meaning that a decline in sales could quickly erase profits and result in a net loss.

The above explanation clearly demonstrates how advantageous it can be to be aware of the profit margins of a company. Nevertheless, Warren Buffett has his own way of using profit margins which have brought him so much success over the years.

Historical profit margins are the key behind the success Buffett has enjoyed. This basically means that you have to analyse the evolution of profit margins of a company to give you a good idea of the state of the company. During this analysis, 3 types of patterns can be observed and it’s important to understand the meaning of each one.

One common pattern is a profit margin that is stable over the time period you have chosen, whether it be 5, 10 or 20 years. Overall, if this number is high it indicates that the company has been successful in controlling changes in expenses. If it is low, then controlling expenses is still a challenge for the company.

Another common pattern is that of an increasing profit margin over the time period chosen. This is obviously good news for any investor, but before making any decision to invest, it may be wise to go through other parts of the Buffett methodology explained in the 4 previous articles of this series.

The third type of pattern is a decreasing profit margin. This basically means that in your chosen period, the profit margins have steadily decreased. This is certainly not good news for any investor because it means that management has not been able to control increasing costs over time. However, as I said before, any company should not be discarded without analysing the company using other components of Buffett’s methodology.

In conclusion, the methodology used successfully by Buffett is something that all investors should study, all of which are outlined in this article and the preceding articles. One would be crazy to not learn something from the richest man in the world. However, there are many other strategies out there which have been successful. Watch this space for many more great articles on stock trading strategies.

Foreclosure How To buy When Was The Last Time

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What does foreclosure how to buy your first real estate investment and bank owned property have in common? For most people when they hear about foreclosure, they are not thinking about the investment potential. What strikes my mind is the monumental opportunity some lucky investor will have by taking the time to structure a deal that makes it possible for the bank to get the property off their books, and for you the investor to make a hearty profit.

How would you like the chance to buy a property way below market value, that is the leverage of buying bank owned property. Many times there is not a lot of repairs and very little wrong with the property. There are so many homes out there right now just waiting for someone to discover. The really good deals out there that can put you in the home of your dreams. Without the savings from foreclosure investing it may just be a pipe dream for you to buy a home of your own on your current budget.

If your research shows a property has the ability to be profitable you should move quickly in making an offer and securing a contract, other investors would like nothing more than to swoop-in on a property you have invested a lot of time on and buy it out from under you. There are many steps to be taken in researching foreclosure properties, luckily there is training available go to foreclosurehowtobuy.com and go to the featured article.

Any foreclosure property that is a bank owned property can be called an REO. “real estate owned”. All lenders want to recover as much of the money they put into the real estate as they can and still get the property sold as fast as market conditions allow. Many times a bank owned property will be sold 5-30% below current market value. Striking a deal with a bank on your own can prove to be difficult, And that is why the services of a real estate agent with years of experience buying bank foreclosure properties is one thing you should seriously consider before trying to approach a bank with your offer.

The fear of foreclosure can have a paralyzing effect on people but if these property owners start thinking about what they can save from this difficult situation they would quickly realize their most important asset is their credit rating, without a good credit rating it can be a very long road to financial recovery, but by selling the property and getting out from under the debt, and saving their credit rating when their situation improves, they will have the credit to move forward in their lives.

That’s how a foreclosure investor can become a valuable friend in this situation by helping the property owner understand how they can sell the property ( and put some money in their pocket to pay off some bill’s) before the lender is forced to start foreclosure proceeding’s ruining their credit history and leaving them with nothing but debt.

Be diligent in your research on bank owned property, you don’t want the unwelcome surprise of getting stuck with a property that has lien’s on it. Find out before you invest any time in the property and if there is a lien, establish who is going to be responsible for the payment. No matter how lucrative an investment property appears to be, a lien can wipe-out all the properties potential profit, it can also leave you with a large debt.

Some bank owned properties will need minor repairs, upgrades or improvements that the investor can make which will increase the selling price of the property. Other way’s the investor can increase their profit margin is by cutting the cost of acquiring the property. An alternative way to do this is foreclosure how to buy bank owned property with steep discounts.

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