Page 11 101 - 110 of 512
How Are Mortgage Rates Determined?
Your mortgage interest rate can substantially impact your monthly payment and even your ability to qualify for a home or investment loan. You have probably noticed that rates are volatile, increasing from below three percent last year to recent rates of over seven percent for a 30-year fixed loan before settling into the 6.5 percent range. By comparison, back in the early 1980s, mortgage rates hit 18 percent.
What Does it Mean When a Property Is Under Contract?
When a property is listed for sale, potential buyers make an offer with their best price and any contingencies. If the seller accepts the offer, the property is considered “under contract.” The buyer and seller are now in a legally binding agreement.
What is an Operating Expense Ratio (OER)?
Operating Expense Ratio (OER) is a financial metric used to evaluate the operational efficiency of a business. It measures the proportion of operating expenses incurred by a company in relation to its revenue.
What is Effective Interest Rate?
The effective interest rate (EIR) is what you might call the practical rate or the rate that you'll pay on borrowed money. A bank or auto loan lender might quote different types of interest rates. But only the effective interest rate really matters to your wallet and helps you make an informed decision about purchases (when purchasing with a loan). It also provides an easy method for comparing different loan rates.
How to Get a Wholesale Property Under Contract?
Novice and even experienced real estate investors know that completing real estate transactions is often a complicated process – and that’s not even taking into account the capital that’s required to acquire or secure financing for commercial and residential investment properties.
Should I Change My Investment Strategy When Inflation Increases?
Stock market investing is often described as long-term, not to be disrupted in reaction to short-term economic influences. A traditional investing strategy supports crafting a mix of stocks and bonds (or similar fixed-income investments) designed with consideration to your risk appetite and then left alone. combining potential for growth with stability, you may want to develop a 60/40 portfolio. That means you have sixty percent of your stock holdings and the balance in fixed-income instruments like bonds. The foundational hypothesis for the 60/40 portfolio is that the stocks will appreciate while the bonds reduce volatility to help manage short-term losses.
How Early Can You Lock in a Mortgage Rate?
The interest rate on your mortgage can make a significant difference in the monthly payment—just look at how quickly housing market activity and prices dropped when rates started rising last year. Buyers at the beginning of 2022 enjoyed rates as low as 3 percent, but by November, the average 30-year fixed rate had spiked to over 7 percent. Rates for high-quality borrowers have eased a bit in the last few months but are still hovering over 6 percent. It’s anyone’s guess where they will head next, which means many nervous homebuyers are hoping to lock in a rate when they find the house they want to buy. Locking the rate means that the borrower is eligible for the specified interest rate even if rates go up as long as they close the loan within the lock period.
Can You Do An Installment Sale to a Related Party?
Installment sales have many advantages for real estate investors. They have tax deferment, flexibility for the buyer, a stream of payments to the seller, and lower taxable gains. But what if you want to arrange an installment sale to a family member? Or a business that you own a majority stake in?
A Wealth Management Niche Your Competitors Probably Haven't Considered
Developing unique value propositions can be difficult for financial advisors. Most advisors promise clients the same benefits, which can make it hard for advisors to showcase their value to investors and stand out in a crowded field.1
How Financial Advisors Are Helping Clients Unlock Real Estate Assets
With the current volatility and uncertainty of equity markets, some of your clients may be considering or already hold alternative investments, like collectibles, commodities, or real estate.
Page 11 101 - 110 of 512
