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Private Lenders Interest Rates
 
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Private Lenders Interest Rates The beauty of private money is that there are no hard and fast rules. However, that can make it difficult to make an offer with a private money lender. In this installment of our Private Money Series, I'll share four different ways to structure a private money loan, and how to incentivize lenders to continue to invest with you. In order to construct a private note, the deal must be mutually beneficial: investors want to make money! If you've ever wondered how to compensate a private investor, this video is for you. In this video, you can expect to learn the four specific ways in which you can compensate a private investor. I'll also discuss how to assess the rates for your particular market. BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Views: 18621 Morris Invest
WARNING: Why Peer To Peer Lending is a BAD INVESTMENT
 
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Peer To Peer Lending websites such as LendingClub and Prosper seem like a great investment…however, these are some of the concerns to watch out for. Enjoy! Add me on Instagram: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ GET $50 OFF FOR A LIMITED TIME WITH COUPON CODE: THANKYOU50 The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: https://goo.gl/UFpi4c For those of you who aren’t familiar with what Peer to Peer lending is: These are websites like LendingClub and Prosper that act as an intermediary to match people who need to borrow money, with people who have money to lend. They’re pretty much offering YOU the opportunity to be the bank for someone else, and get paid back that interest. However, these are my concerns: First: Fees. As an investor, lending club charges a 1% fee on any payments you receive from the borrower…so already, whatever return you WERE getting, is now reduced by 1%. Second: Defaults. If a borrower DOES NOT pay their loan, lending club charges a 40% fee on any amounts collected on a delinquent loan that went to litigation. According to them, they have an approximate default rate of about 7.8%. And keep in mind since the borrowers agreement is between themselves and lending club…not YOU and the borrower…you can’t do anything about it. You have no recourse. Third: Lack of liquidity. Once you invest in a note, technically you’re tying up your money for 3-5 years until that loan matures…and that also assumes the borrower pays off the loan in time. If you need your money sooner, you’re forced to sell your loans on the secondary market…usually for a steep discount, Fourth: Taxes then become an issue because your returns are seen by the IRS as ORDINARY INCOME, meaning they’re taxed at your highest marginal tax rate. And depending on how much you make, this could be a lot. Compare this to long term capital gains, which for most people is just a flat 15%. Fifth: Risk of analyzing borrowers. Many P2P sites assume no risk in analyzing the credit worthiness of the borrowers. And this seems like people can easily take advantage of this. Sixth: Default rates like this will ABSOLUTELY be going up if the economy begins to decline. The FIRST THINGS people stop paying is unsecured debt, like personal loans and credit cards…This leads me to think that whenever our economy begins to falter, the returns you’ll see on peer to peer lending websites will drop substantially, and at a time when you’ll WANT to have access to your money to invest in other opportunities, but you can’t because your money is tied up on these websites. It’s for all of these reasons, you should do your own research to determine if peer to peer lending is right for you. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [email protected] My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Favorite Credit Cards: Chase Ink 100k Bonus Point Offer - https://www.referyourchasecard.com/21/ZVSGGIXM8U American Express Platinum - http://refer.amex.us/GRAHASOxHd?XLINK=MYCP
Views: 90516 Graham Stephan
Why You Should Not Invest in Peer to Peer Lending | BeatTheBush
 
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With Peer to Peer lending, there are some risks they are not telling you. First, there is the liquidity issue where your money is essentially trapped in a loan for 3-5 years. The current aggregated default rate is variable and is dependent on the well being of the economy which could fluctuate. The returns are not guaranteed and the default rate could spike resulting in a loss rather than the paltry 6-9 percent of advertised gains. Second, the borrower is not ultimately responsible to pay you back but rather pay the intermediate company. This create some pretty peculiar situations if the company becomes insolvent. . Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 266628 BeatTheBush
Commercial Real Estate Loan Refinancing: What It Means and Why Investors Do It
 
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In this lesson, you’ll learn what it means to “refinance” commercial real estate loans in development and acquisition deals, why Equity Investors do it, and how it can boost their returns in deals. https://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 1:24 The Short Explanation for Refinancing 4:27 Examples with the Property’s Value Increasing 12:47 Different Types of Lenders and the Downsides of Refinancing 15:32 Recap and Summary Resources: https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Real-Estate/Commercial-Real-Estate-Loan-Refinancing-Example.xlsx https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Real-Estate/Commercial-Real-Estate-Loan-Refinancing-Slides.pdf Lesson Outline: A pair of questions that came in the other day: “Can you explain, in layman’s terms, why you often assume that Debt gets refinanced in real estate deals?” “Also, why is the amount of new Debt raised often different from the amount of existing Debt repaid?” SHORT ANSWER: Equity Investors complete refinancings to boost their returns in real estate deals – and because it’s in everyone’s best interest to do so. “Refinancing” means repaying existing Debt – almost all real estate deals involve Debt – by raising new Debt (think of it as “replacing” existing Debt). Refinancing boosts returns for the Equity Investors by reducing the interest expense and letting them earn back some of their initial investment before the exit (sale of the property). There are three main, specific reasons to refinance: Reason #1: Interest rates have fallen, or the property’s credit profile has changed, and the Equity Investors can get lower rates. For example, maybe interest rates have fallen from 5% to 4% – that may seem like a small difference, but since property deals often use 50-70% leverage, lower interest rates could result in a significant increase in cash flow. Reason #2: The property’s value has increased, so by refinancing at the same “Loan to Value” (LTV) Ratio, the sponsor can earn back some of its initial investment early – before the exit. For example, if an investor pays $10 million for a property that generates $600K in Net Operating Income (NOI) in Year 1 (6% Cap Rate) and uses a 70% LTV, that’s $7 million of Debt. By Year 3, the property’s NOI has increased to $650K, and market conditions have stayed about the same, so assuming the same 6% Cap Rate, the property is now worth $650K / 6% = $10.8 million. The New Debt would be worth $10.8 million * 70% = $7.6 million at a 70% LTV now, so the extra $600K in proceeds go to the Equity Investors early. We demonstrate a more complex example of this with a $54 million AUD hotel in Darwin, Australia, acquired at an 8.80% Cap Rate using an 85% LTV. After four years, the forward NOI has increased from $4.7 million to $6.3 million, so it is worth $70.5 million at a 9.00% Cap Rate. We refinance at a 75% LTV, slightly lower, and use a $52.9 million Permanent Loan to repay the $44.4 million of remaining acquisition debt and mezzanine at this point. That $8.5 million “extra” goes to the Equity Investors (it’s a bit less due to the financing fees). Without the refinancing, the 5-year IRR would be 17.9%; with the refinancing, it would be 19.1%. This is a small difference because Cap Rates rise slightly and the LTV drops – but if Cap Rates fall or the LTV stays the same or increases, refinancing could add far more than 1% to the IRR. Reason #3: The terms of the Debt require a refinancing. Different lenders target different risk and potential returns, and Construction and Bridge Loan investors don’t want to stay on board once a property is built or stabilized. So, these lenders often require property owners to refinance under certain conditions or when there’s a “change of control” (someone else buys the property). Downsides to Refinancing The Equity Investors might not refinance if the property’s value has fallen or if interest rates have risen. Refinancing does present some risk because it could increase the default risk, especially if the Interest Coverage Ratio or Debt Service Coverage Ratio fall. Finally, it can sometimes be tricky to estimate the correct property value and use it in these formulas, especially if the property has not yet stabilized and will take time to do so.
Interest Rates and Investor Decisions: The Long and Short of It
 
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In a new study, the International Monetary Fund has found that long-term investors do not look at differences in interest rates among countries when deciding where to invest. Speaker: S. Erik Oppers, Monetary and Capital Markets Department
Views: 327 IMF
📈📉 Investment Loan vs Consumer Loan | What's the difference?
 
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Investment Loan vs Consumer Loan - what's the difference? Should you lend money for consumption(e.g. by buying bonds)? Learn Austrian Economics in a fun way! LINKS SUPPORT our project: http://bit.ly/22CSzOq Visit our website: http://econclips.com/ Like our Facebook page: http://bit.ly/1XoU4QV Subscribe to our YouTube channel: http://bit.ly/1PrEhxG ★★★★★★★★★★★★★★★★★★★★★★★★★★ Music on CC license: Kevin MacLeod: Home Base Groove – na licencji Creative Commons Attribution (https://creativecommons.org/licenses/...) Źródło: http://incompetech.com/music/royalty-... Wykonawca: http://incompetech.com/ ★★★★★★★★★★★★★★★★★★★★★★★★★★ Econ Clips is an economic blog. Our objetive is teaching economics through easy to watch animated films. We talk about variety of subjects such as economy, finance, money, investing, monetary systems, financial markets, financial institutions, cental banks and so on. With us You can learn how to acquire wealth and make good financial decisions. How to be better at managing your personal finance. How to avoid a Ponzi Scheme and other financial frauds or fall into a credit trap. If You want to know how the economy really works, how to understand and protect yourself from inflation or economic collapse - join us on econclips.com. Learn Austrian Economics in a fun way!
Views: 19505 EconClips
My Lending Club Investment Review (what I did wrong 😭)
 
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This video shows you all of my LendingClub accounts and what I did wrong and how I plan to fix it with my new LendingClub account. Get started with LendingClub here: ➡️https://www.goodfinancialcents.com/resources/lendingclubinv-youtube-get-started-with-lc.php Do you really want to loan money to family or friends and risk having them not pay you back? 😲 What if you could loan your money to a stranger instead (and make interest)? 🤔🤷 ➡️ That is what peer-to-peer lending is all about. One of the largest peer-to-peer platforms is LendingClub. In this video I will show you how you can use this platform as an additional investing tool. Lending Club is an online peer-to-peer (P2P) lending platform that takes the banker out of banking. Investors lend money directly to borrowers through the website, enabling both to benefit from the rate of interest established for each loan. And just as important, the entire transaction happens online, eliminating the need for sometimes embarrassing face-to-face meetings common with bank loans. 😳 It’s a win-win as both the investor and the borrower benefit from the LendingClub process. ➡️ There are two ways to invest with LendingClub. Manual investing is where you browse available loans and choose which ones you’ll invest in one at a time. 💻 But you can also use automated investing in which you set investment criteria, and notes are selected automatically based on that criteria. ⁉️ Like any investment there are some risks. It’s important to realize investments held through LendingClub are not bank assets, and as such they are not insured by the FDIC. Individual loans can go into default, and if they do, you will lose that portion of your investment. In addition, a missed payment by a borrower means you will not get the payment on that loan in that particular month. LendingClub does use “best practices” to collect payments from delinquent borrowers, but some will default nonetheless. You can also hold LendingClub investments as part of an individual retirement account (IRA). You can do this through a LendingClub self-directed IRA. LendingClub will pay the annual IRA fee if you open the account with a minimum of $5,000 and keep that balance level for a minimum of 12 months. Read more about LendingClub on my blog here: https://www.goodfinancialcents.com/lending-club-review-for-investors-and-borrowers/ Learn more about peer to peer lending here: https://www.goodfinancialcents.com/peer-to-peer-lending/ ➡️ Get started with LendingClub here: https://www.goodfinancialcents.com/resources/lendingclubinv-youtube-get-started-with-lc.php Disclosure: I receive compensation from LendingClub for anyone that signs up through my affiliate links. The results shown here are specific to my personal accounts and may not be representative of the experience of other LendingClub investors and are not a guarantee or indication of anyone else’s performance or results. ★☆★ Want More Good Financial Cents? ★☆★ 💻 Check out my blog here: https://www.goodfinancialcents.com/ Listen to my podcast here: 🎙 https://itunes.apple.com/us/podcast/good-financial-cents-podcast-investing-building-wealth/id775107294?mt=2 Pick up my best selling book, Soldier of Finance, here: 📗 http://amzn.to/2xOH78V Connect with me on Twitter: https://twitter.com/jjeffrose My most favorite inspiration T-shirt line, Compete Every Day: 👕 https://www.goodfinancialcents.com/compete
Best Short-Term Investment Options (for high return 🚀)
 
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⁉️ Does this sound familiar: You've got some money sitting around in cash and you want to invest it and make a decent return. BUT 💭 you don't want to tie up your money too long 💭 you don't want to lose it Are there opportunities that even exist in today's low interest environment for short-term investing? There are a ton of you that are in this same situation with money sitting in cash- but you don't know what you options are. Today I am going to talk about this very topic in response to a reader question I received. 💻 My reader, Tien asked "What is the best thing to do with my money for short-term grown when I still want accessibility?" I offered a few tips for Tien: ✳️ Even with low interest rates, keep enough in savings for emergencies ✳️ Don't be tempted by short-term growth ✳️ Peer-to-peer lending is not a short-term investment ✳️ Exchange Traded Funds (ETFs) - They are low cost and offer a variety of options. Keep an emphasis on short-term bond ETFs in the 1-3 year range. You can get all the detailed information on each of these options in the video. 😉 ➡️ You can start your Betterment account here: https://www.goodfinancialcents.com/resources/betterment-youtube-invest-10k.php ★☆★ Want More Good Financial Cents? ★☆★ 💻 Check out my blog here: https://www.goodfinancialcents.com/ Listen to my podcast here: 🎙 https://itunes.apple.com/us/podcast/good-financial-cents-podcast-investing-building-wealth/id775107294?mt=2 Pick up my best selling book, Soldier of Finance, here: 📗 http://amzn.to/2xOH78V Connect with me on Twitter: https://twitter.com/jjeffrose My most favorite inspiration T-shirt line, Compete Every Day: 👕 https://www.goodfinancialcents.com/compete
Tim Bennett Explains: The pros and cons of peer to peer investing
 
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Peer-to-peer lending is booming and from 6th April you will be able to lend via an ISA. I explain how P2P works and what to look out for before you invest.
Views: 23465 Killik & Co
Real Estate investing and CAP rates by Grant Cardone
 
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I want to give you my new Real Estate book for FREE! Just follow this link: https://10x.grantcardone.com/real-estate-made-simple-book Real Estate investing and CAP rates Real Estate Show: What is CAP Rate? The number one question I get asked is, “What CAP rate do you buy?” but this is the wrong question. One piece of data doesn’t substantiate a deal. Don’t get locked into one term. All the pieces of data matter. You need to feel the deal, meaning, do you want to actually do the deal? The lower the CAP rate the higher I can sell it for. What’s a good CAP rate? It depends. I would have made a fortune in San Diego 20 years ago buying extremely low CAP rate properties. Think about the whole deal, like how you will exit, not just the current CAP rate. There is a number more important than the CAP rate: 1.25 That’s the Debt Coverage Ratio you want. You want the NOI bigger than the debt—you want a minimum 25% more income than debt. For more on real estate, be sure to subscribe to the Real Estate Show every Monday at noon EST. To Learn more about growing your finances, get your FREE Millionaire Booklet here: http://millionairebooklet.com/free ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat:  https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Products: http://www.grantcardone.com LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone?sub_confirmation=1 -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance.  His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. #business #realestate #investing #GrantCardone #10XRule #SalesTraining #SalesMotivation Our offerings under Rule 506(c) are for accredited investors only. FOR OUR CURRENT REGULATION A OFFERING, NO SALE MAY BE MADE TO YOU IN THIS OFFERING IF THE AGGREGATE PURCHASE PRICE YOU PAY IS MORE THAN 10% OF THE GREATER OF YOUR ANNUAL INCOME OR NET WORTH. DIFFERENT RULES APPLY TO ACCREDITED INVESTORS AND NON-NATURAL PERSONS. BEFORE MAKING ANY REPRESENTATION THAT YOUR INVESTMENT DOES NOT EXCEED APPLICABLE THRESHOLDS, WE ENCOURAGE YOU TO REVIEW RULE 251(D)(2)(I)(C) OF REGULATION A. FOR GENERAL INFORMATION ON INVESTING, WE ENCOURAGE YOU TO REFER TO WWW.INVESTOR.GOV. For our anticipated Regulation A offering, until such time that the Offering Statement is qualified by the SEC, no money or consideration is being solicited, and if sent in response prior to qualification, such money will not be accepted. No offer to buy the securities can be accepted and no part of the purchase price can be received until the offering statement is qualified. Any offer may be withdrawn or revoked, without obligation or commitment of any kind, at any time before notice of its acceptance given after the qualification date. A person's indication of interest involves no obligation or commitment of any kind. Our Offering Circular, which is part of the Offering Statement, may be found at https://cardonecapital.com/offering-1
Views: 43022 Grant Cardone
Commercial Loans | Negotiate With the Bank
 
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What is the best way to negotiate with a bank in order to get the best commercial loan possible? Cherif teaches that you can interact with a bank differently when getting a commercial loan and that you should work with the bank so that it can be a win win for everyone. _____________________ Cherif Medawar, RE Hedge Fund Manager, Author and Educator. Cherif Medawar is an experienced real estate fund manager. He owns and operates over $100 Million Dollars in Assets Under Management since 2009. www.MIGSIF.com Recently he became one of the first people to file a Reg. A+ with the SEC and successfully created a fund that can solicit publicly to broadest base of accredited and non-accredited qualified investors ever offered by a private fund. www.UGFInc.com He continues to expand and he plans to go public (over-the-counter), which will only turbo his methods to raise capital and deploy it in valuable real estate assets. One of these methods to raise capital is the development of www.CrowdfundExpress.com. This is a portal that will automate the investing experience and allow Sponsors to raise capital for their real estate deals. Crowdfund Express will launch in the next 60 days. Cherif has also founded an education company in 1999, www.CMREI.com, and he teaches people how to invest in various types of real estate, how to syndicate as well as how to use crowdfunding to grow both as an Investor and/or Developer. He authored several best selling books on real estate investing, how to set up the ultimate asset protection structure www.KMAGB.com and how to reduce taxes to 15% per year using the most powerful yet least known tax incentives offered by Congress. www.GBACorp.com For investment opportunities, education options, partnerships, or to find out more visit our website or join our Facebook page: ***To find out more visit*** http://www.GoCMREI.com ***Subscribe to Cherif’s YouTube Channel*** http://www.youtube.com/user/cherifmedawar1?sub_confirmation=1 ***Join Our Facebook Page*** https://www.facebook.com/CMREI/
Views: 10357 Cherif Medawar
Financing Rental Properties The Right Way
 
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Financing rental properties the right way is a video about the two most commonly used ways to finance rental properties for real estate investors. The first way to finance a rental property is Investor A who purchases a $100,000 property and leaves $20,000 in the deal. He starts with $100,000 capital to invest. After 5 houses leaving in $20,000 this investor will run out of money. Investor B finances his rental properties using the BRRRR method which stands for Buy Rehab Rent Refinance Repeat. You are buying a house at a discounted rate and then forcing the appreciation upwards and value up to where the house is appraised at $100,000. So say you bought it for $50,000 then had $20,000 in repairs and then $10,000 in carrying, financing, and closing costs your total liability is now $80,000. The bank will lend you $80,000 or 80% of the $100,000 appraised value loan to value. Now you have a financed house and your original capital to reinvest. You can do as many rent houses as you want now. financing rental properties I buying rentals I rental properties I landlords I financing houses I cash flow I rent houses I Connor Steinbrook I Investor Army I calculating rental numbers. Learn More About Our Home Study Program: Flip Army - How To Flip Houses The Investor Army Way https://info-investorarmy.clickfunnel... Contact us at: [email protected] For More Resources And Opportunities To Take Your Business To The Next Level Go To…… http://www.investorarmy.com/ Visit Our Other Youtube Channel “Investor Army Podcast” For More Videos By Connor Himself https://www.youtube.com/channel/UCmay... Follow Us On….. Facebook: https://www.facebook.com/InvestorArmy/ Twitter: https://twitter.com/Investorarmy Linkedin: https://www.linkedin.com/in/connor-steinbrook-58b2b9a1/ Google+: https://plus.google.com/u/0/108318927307224577838 iTunes: https://itunes.apple.com/us/podcast/investor-army-podcast/id1234085118 Blubrry: https://www.blubrry.com/investorarmypodcast/ Instagram: https://www.instagram.com/investor_army/?hl=en
Views: 106243 Investor Army
APRA lifts cap on investor lending
 
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APRA has announced its lifting the previous cap on lending to property investors. Banks are expected to compete strongly for new business from investors by offering interest rate discounts. ---------- Terry Ryder has been a specialist researcher/writer on residential property for over 35 years and has published four books. In 2006 he created hotspotting.com.au, to help investors find the best places to buy. He is regularly interviewed by television, radio and print media on real estate issues, and is widely sought as a public speaker. For more real estate analysis, visit https://www.hotspotting.com.au/ Facebook - https://www.facebook.com/hotspotting/ Twitter - https://twitter.com/hotspotting Instagram - https://www.instagram.com/ryderhotspotting/
Views: 98 Terry Ryder
Britain's most important interest rate - MoneyWeek Investment Tutorials
 
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Like this MoneyWeek Video? Want to find out more on important interest rates? Go to: http://www.moneyweekvideos.com/britains-most-important-interest-rate/ now and you'll get free bonus material on this topic, plus a whole host of other videos. Search our whole archive of useful MoneyWeek Videos, including: · The six numbers every investor should know... http://www.moneyweekvideos.com/six-numbers-every-investor-should-know/ · What is GDP? http://www.moneyweekvideos.com/what-is-gdp/ · Why does Starbucks pay so little tax? http://www.moneyweekvideos.com/why-does-starbucks-pay-so-little-tax/ · How capital gains tax works... http://www.moneyweekvideos.com/how-capital-gains-tax-works/ · What is money laundering? http://www.moneyweekvideos.com/what-is-money-laundering/
Views: 19529 MoneyWeek
Beginners' guide to mortgages - MoneyWeek investment tutorials
 
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A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Views: 386958 MoneyWeek
What is a swap? - MoneyWeek Investment Tutorials
 
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Tim Bennett explains how an interest rate swap works - and the implications for investors. --- MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors. In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
Views: 563925 MoneyWeek
What is Margin Trading? | Fidelity
 
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Have you always wondered what it means to trade on margin? In this video, you’ll learn what margin trading is and if it is a strategy that could help you achieve your investment goals. To get started with margin trading, visit: https://www.fidelity.com/trading/advanced-trading-tools/margin-trading To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments _____________________________________________________________ What is margin trading? How does it work, and what are some of the benefits and risks? Over the next few minutes, we’ll take away some of the mystery of margin trading and help you decide whether it is a strategy that can help you achieve your investment goals. Margin trading is a form of borrowing that lets you leverage securities you already own to purchase additional securities, protect your account from overdraft or access a convenient line of credit. Margin trading is not designed for any specific type of customer – it may be right for any investor looking for additional leverage in their investment. Here’s an example of how it works: assume you want to buy 1,000 shares of QRS stock at $10 per share, but only have $5,000 in investable cash available. With a margin account, you can use your $5,000 in cash and borrow the other $5,000 on margin to make your purchase. Without margin – with what’s called a cash account – you would need the full $10,000 in cash to make this stock purchase. Now let’s see how a margin loan could impact your investment return. Assume the QRS stock rises in value from $10,000 to $11,000 and you sell it. You would pay back the $5,000 margin loan and realize a profit of $1,000. That’s a 20% return on your $5,000 investment. Without a margin loan, you would have invested $10,000 in cash and realized only a 10% return. While leverage is a powerful tool when the price of the security moves in your favor, it is also important to recognize the downside if the stock price falls. Let’s look at the flip side of the same example. Assume the market value of the QRS stock you purchased with margin for $10,000 falls to $9,000. Your equity – which is the value of your position minus the loan balance of $5,000 – would fall to $4,000. That’s a 20% loss from a 10% decrease in market value. Just like any loan, you will also incur interest charges that begin accruing on the date your trade settles, which is typically two days for a stock. The rate you pay depends on your outstanding margin balance – known as the margin debit balance. The rate is typically calculated using a tiered schedule, meaning the higher your debit balance, the lower the rate you are charged. You should also know that margin loans have no set repayment schedule, as long as you maintain the required level of equity in your account. Let’s shift focus to this equity requirement, along with some other important requirements for margin accounts. In order to buy securities on margin, you must also deposit enough cash or eligible securities to meet the initial margin requirement for your purchase. Typically, this is 50%, which is a requirement set by the Federal Reserve Board. Once you have started buying stock on margin, you are required to maintain a certain level of equity in your margin account. This requirement varies based on the type of security. For example, a stock generally has a maintenance requirement of 25% and is set by the New York Stock Exchange and FINRA. A brokerage firm may impose a higher requirement due to factors including, but not limited to, holding a significant portion of your account in a single security, which is known as a concentrated position. The security you are investing in must be eligible for margin in the first place, and not all securities are eligible. For example, while most stocks and fixed income securities, such as treasuries, are eligible, CDs and money markets are not. You can find out whether a security is eligible, as well as the specific margin requirements for each type of security, at https://www.fidelity.com/margin. Now we’ll put this information together and see how it all works. Margin trading entails greater risk, including but not limited to risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance prior to trading on margin. If the market value of the securities in your margin account declines, you may be required to deposit more money or securities in order to maintain your line of credit. If you are unable to do so, Fidelity may be required to sell all or a portion of our pledged assets. Margin credit is extended by National Financial Services, Member NYSE, SIPC. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 713730.5.0
Views: 28418 Fidelity Investments
Want to Earn High Interest Rates?
 
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TFGCROWD streamlines the crowdfunding process for businesses and investors and makes it simpler, more straightforward, and more secure. As an investor, you get a hurdle-free investment path on projects that you believe in. As a business, you get tailored financing solutions that cater to your need and your capability. Learn more: https://tfgcrowd.com/
Views: 1198 TFG CROWD
Investment Loan Interest Rates - Best Time To Buy An Investment Property
 
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With investment loan interest rates so low, does it mean you should buy an investment property? Hi there, I’m John Cross, a Yellow Brick Road Wealth Manager at Mona Vale. With some investment mortgages down to 3.85% you could refinance out of an old expensive loan and take the opportunity to repay more than you have to – to build up equity more quickly. Certainly a lot of people are asking if the low rates mean it’s time to buy an investment property? The rent may even pay all your loan repayments at the moment. As a property investor you need to separate the mortgage interest rates from the property investment itself. You will probably still own this investment property long after the short term current low rates have returned to higher levels, so the property itself must have long term benefits. You also have to think about negative gearing, which is a tax rule that allows you to take any losses on the property and use them to reduce your taxable income, thereby reducing your taxes. Even if negative gearing gives you a tax break, you have to calculate if you could afford to pay the investment property mortgage if the rates moved upwards by, say, 2%, or 3%. This means at although gearing benefits mean today this property costs you only $30 a week, will you still be able to afford the property if it costs you $250 a week. And, a final hint: the best property investments are made at purchase. Try to buy a property at a good price, with low maintenance, in a high-demand area, where prices are just starting to pick up. Be patient and do your homework. If you buy well, you’ll do well. If you are looking for a top investment property loan and advice contact us for a free initial interview. John Cross Yellow Brick Road Wealth Management Mona Vale Contact John Cross Email: [email protected] Ph: 02 8411 2456 Like Us on Facebook: https://www.facebook.com/YellowBrickRoadMonaVale
Explained: External Benchmarking
 
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The Reserve Bank of India (RBI) has proposed a major change in the way banks price their loans. Banks will now have to link the interest rates charged by them on different categories of loans to the external benchmarks instead of the used internal benchmarks, which is the norm now. Under the new system which will come into effect from April 1, 2019, banks will have to link their lending rates with an external benchmark instead of MCLR. The RBI has given these options to banks: RBI repo rate, the 91-day T-bill yield; the 182-day T-bill yield; or any other benchmark market interest rate produced by the Financial Benchmarks India Pvt. Ltd. One of these benchmarks will be used to decide the lending rate in addition to the spread, Banks will be free to decide their spread value but it will have to be fixed for the tenure of the loan. However, it can change if the credit score of the borrower changes. The interest rates under the new system will change every month. #RBI #ExternalBenchmarking #InterestRates
Views: 12911 BYJU'S IAS
How to Find Private Money for Real Estate Investing!
 
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In this video, Brandon Turner shares the three-step process needed to find and utilize private lenders to fund your real estate investments! Whether you plan to house-flip, BRRRR, syndicate, or something else - finding great private lenders can allow you to scale your real estate business to incredible new heights!
Views: 12342 BiggerPockets
How to Get a Loan - Real Estate Investing Made Simple
 
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I want to give you my new Real Estate book for FREE! Just follow this link: https://10x.grantcardone.com/real-estate-made-simple-book How to Get a Loan-Real Estate Investing Made Simple: The easier a loan is to get, the less money you will make, the more trapped you are, and the fewer buyers will be there to buy your deal on your exit. There are different types of loans, and the easiest to get is a residential loan, which is 4 units or less and you must live in one of them. This is better than a home loan. This loan is not just based on your credit, it’s based on income. Commercial loans are more difficult to get. Here’s what they’re going to look for: 1. They’re going to look at your net worth first. 2. Next, they’ll look at your credit. 3. Finally, they’ll look at your track record, what kind of experience you have. The most important thing to have is #1. You need net worth to get started. Watch as I take callers today and review their deals so that you too can educate yourself on this business. Check out https://cardonecapital.com/ for more on how you can invest with me and not worry about securing your own loan. ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat: https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Advertising: http://grantcardonetv.com/brandyourself Products: http://www.grantcardone.com LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone?sub_confirmation=1 -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance. His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. #business #realestate #investing #GrantCardone #10XRule #SalesTraining #SalesMotivation Our offerings under Rule 506(c) are for accredited investors only. FOR OUR CURRENT REGULATION A OFFERING, NO SALE MAY BE MADE TO YOU IN THIS OFFERING IF THE AGGREGATE PURCHASE PRICE YOU PAY IS MORE THAN 10% OF THE GREATER OF YOUR ANNUAL INCOME OR NET WORTH. DIFFERENT RULES APPLY TO ACCREDITED INVESTORS AND NON-NATURAL PERSONS. BEFORE MAKING ANY REPRESENTATION THAT YOUR INVESTMENT DOES NOT EXCEED APPLICABLE THRESHOLDS, WE ENCOURAGE YOU TO REVIEW RULE 251(D)(2)(I)(C) OF REGULATION A. FOR GENERAL INFORMATION ON INVESTING, WE ENCOURAGE YOU TO REFER TO WWW.INVESTOR.GOV. For our anticipated Regulation A offering, until such time that the Offering Statement is qualified by the SEC, no money or consideration is being solicited, and if sent in response prior to qualification, such money will not be accepted. No offer to buy the securities can be accepted and no part of the purchase price can be received until the offering statement is qualified. Any offer may be withdrawn or revoked, without obligation or commitment of any kind, at any time before notice of its acceptance given after the qualification date. A person's indication of interest involves no obligation or commitment of any kind. Our Offering Circular, which is part of the Offering Statement, may be found at https://cardonecapital.com/offering-1
Views: 140569 Grant Cardone
7 Commercial Real Estate Terms You Should Know
 
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Discover 7 Commercial Real Estate Terms you should know if you plan to invest in commercial property at some point in your career. You'll learn about the following terms in this video: 1. Net Operating Income (NOI) 2. Cash on Cash Return 3. Capitalization Rate (Cap Rate) 4. Debt Coverage Ratio 5. Price per Unit 6. Building Classification 7. Types of Leases And the bonus term is "Relationships"
The Inside of Private Lending - Magnetic Capital Group
 
02:15:02
Discover how private lending works, and the secrets behind Magnetic Capital's exclusive process. Chapter Sections Below. This is the full unedited version of a live presentation...Download presentation slide show here: https://www.magneticcapitalgroup.com/... Skip Introduction 14:30 What worked in the past doesn’t always work in the future 15:10 Times are changing and so is investing 16:55 No one will ever care about your money more than you 18:40 The number one reason investors fail is the lack of a clear future focus 20:45 Once you know what you need to make, you can determine how much risk to take 23:55 The Rule of 72 26:50 The Ideal Investment 35:35 The Magnetic Approach – Three C’s 45:00 False Beliefs 1:19:45 Questions and Answers 1:37:20
Investor Training Video: lesson 6 - interest rates
 
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For Free Reports from David and his team of advisers, please visit our website: http://www.hasslefreecashflowinvesting.com/investor-education/ Mastering the math behind calculating interest rates will help you become a more successful investor. Learn to solve for interest, annual interest rate, daily interest rate, prorated interest, and principal. Learn more on our blog at http://www.HasslefreeCashflowInvesting.com Subscribe to our channel to get the latest educational updates from professional investor David Campbell. Find More Free Real Estate Investor Training videos and Webinars: http://www.hasslefreecashflowinvesting.com/video/
Why would an investor use leverage on a property when interest rates are higher than the cap rate?
 
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A listener asks: Why would an investor use leverage on an investment property when interest rates are higher than the cap rate? "Ask Michael Bull" is a commercial real estate FAQ video series featuring a new video posted each business day. Michael Bull, CCIM is a thirty year experienced commercial real estate adviser. He is CEO of Bull Realty, a U.S. commercial real estate sales, leasing and advisory firm headquartered in Atlanta, and host of the nationally syndicated Commercial Real Estate Show.
How to Protect Your Rental Investments from Rising Interest Rates
 
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How to Protect Your Rental Investments from Rising Interest Rates As mortgage rates continue to gradually rise, real estate investors must look ahead and decide how to best prepare and protect their investments. No investor wants to relive the 2008 housing crash. That's why it’s important to analyze this data and act accordingly. In this video, you’ll learn the three things you can do to protect your rental properties as mortgage rates rise. I’ll discuss leveraging and cash flow, as well as the importance of purchasing low cost properties. I’ll also share the role of private lenders. You’ll learn exactly what it means for you when the Fed hikes rates, and how to protect yourself. I’ll talk about over-leveraging, mortgage specifics, and more. If you’ve ever worried about how interest rates could affect your investment, this video is for you! What's the Difference Between A, B, & C Neighborhoods: https://goo.gl/xUMYBs Should You Buy Low Cost Properties?: https://goo.gl/uYI7xN Private Money Series: https://goo.gl/NnvxQu BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Views: 5129 Morris Invest
Billionaire investor Wilbur Ross says rising interest rates beneficial for small banks
 
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BILLIONAIRE INVESTOR WILBUR ROSS SAYS RISING INTEREST RATES BENEFICIAL FOR SMALL BANKS ANCHOR QUESTION OFF-CAMERA (ENGLISH) SAYING: Now, you're an investor of smaller U.S. banks, interest rates are rising due to concern over Fed tapering, How does this impact your bank holdings? Negatively, positively? WILBUR ROSS, CHAIRMAN, W L ROSS AND COMPANY (ENGLISH) SAYING: Oh, it's very positive; our banks like most banks are much more highly leveraged on the up side because the variability of rate on the asset side is almost instantaneous with rate changes. The variability of rate on the deposit side is much slower, because its time deposits, so it takes 30, 60, 90 days to run on. We are beginning to see a little increase in net interest margins. ANCHOR QUESTION OFF-CAMERA (ENGLISH) SAYING: Are you seeing a slowdown in lending? Or do you expect to see a slowdown in lending? WILBUR ROSS, CHAIRMAN, W L ROSS AND COMPANY (ENGLISH) SAYING: No, Bank United, which is the largest of our banks, has been producing loans at a very rapid clip, in fact faster than the street had forecast. It's not because of total market demand, we have been hiring away teams of lenders from other institutions and they have been bringing their business over. So, its become a market share competition as opposed to an overall market growth. ANCHOR QUESTION OFF-CAMERA (ENGLISH) SAYING: And what about European banks, are you investing in any European banks, I know you visited Spain. WILBUR ROSS, CHAIRMAN, W L ROSS AND COMPANY (ENGLISH) SAYING: We have been very invested in Bank of Ireland for quite a while, a couple years now and happily that's working out very well... its working out as a stock, but more importantly its working out as an institution. The loan-loss revisions were lower in the second half of last year than the first, lower in the fourth quarter than the third, lower in the first half of this year than the second half of last year. So the bank has publicly forecast that it will be profitable in 2014. And that's the earliest that we had any hope that it could achieve that.
Views: 1040 Market Screener
How Do I Find Private Money Lenders for My Real Estate Investments? [#AskBP 052]
 
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http://www.biggerpockets.com/renewsblog/2015/06/30/askbp-052-how-do-i-find-private-money-lenders/ Private money lenders can be powerful allies for any real estate investors, but finding them can seem as difficult as spotting bigfoot! In this episode of the #AskBP Podcast, Brandon shares his best tips for finding private money, and how to attract them to fund your next deal!
Views: 29241 BiggerPockets
How to Calculate Interest on Hard Money Loans
 
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Calculate your hard money loans amount Now: http://bit.ly/gunWGF Today I want to talk about How to Calculate Interest on Hard Money Loans. There are lots of real estate investors wondering how to calculate interest on the loans they are getting from hard money lenders. You can calculate your hard money loans interest online as well by clicking the link below: http://www.dohardmoney.com/products/loan-calculator It is very helpful for the real estate investors and there are some tips as well in the video to help you calculate the interest rate charged by hard money lenders.
Views: 17602 DoHardMoney
Multi Family Real Estate Investing For Beginners
 
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Investing in multi family buildings can be one of the safest assets for your money – and it should be no surprise that real estate investing creates more millionaires than ANY other business (multi family buildings specifically). But why should you invest in multi family buildings as opposed to the more common strategy of single family homes? Investing in single family homes is without a doubt easier. The tenant quality is MUCH higher, it’s simpler to understand as we can all relate to a residential home, and it’s much more forgiving. If you happen to make a mistake on one of your properties, it’s unlikely that you’ll lose your shirt (and everything else you own!). The game is played at a much smaller level – especially financially. Now it’s not to say that investing in single family real estate is useless, far from it! These properties should definitely be a part of your portfolio as well! They are your bread and butter. Something you can rely on almost every month as the tenant quality is so much higher (caveat: that is if you’re investing in the right areas). I personally own many single family rental properties, and I always will. As I said, they’re extremely reliable. But the REAL money is made in multi family buildings, and that’s because it’s based purely business! Multi Family Buildings Are Built On Fundamentals The positive of investing in multi family buildings is that you’re working with other sophisticated investor’s (properties with 6 units or more, and especially 20 units+) who also bought on fundamentals. Remember, multi family buildings are primarily valued based off of how much income the property generates – period! Comparables and building condition/upgrades do play a part in valuation but it really comes down to income. For example, let’s say a 15 unit building is valued at $1,500,000 in Kitchener and it’s NET OPERATING income (rental income minus all expenses – not including mortgage payments) is $65,000 a year. This would mean that the seller is valuing their property based on a 4.3% cap rate. But let’s say that because you’re an expert (or because you’re working with an expert real estate agent that specializes with investors – that’s me!), that they know this building is in a “B class area” in Kitchener and the condition of the building would also place is it as a “B class”. Which means the cap rate should be 6% at most (every city AND neighborhood will have they’re own Cap Rates. Expert realtors know this!). This means that you have to calculate your offer as such – $65,000 (net operating income) DIVIDE 0.06 = $1,083,333.33 This means that the MOST you’re willing to pay is $1,083,333.33 Remember, commercial lenders (6 units or more) DO NOT CARE that the seller wants 1.5M. And they DON’T CARE if you’re willing to pay 1.5M – all their lending you money on is based on a value of $1,083,333.33 – PERIOD! This is how investing in multi family buildings work – it’s just straight business. And that’s why it leads to positive reason number two below #MultiFamily #RealEstate #Investing Get Access To "Unlimited Cash" - https://fruitful-investing-academy.teachable.com/p/unlimited-cash Get Access To The ENTIRE "Fruitful Investing Academy" Course Catalogue - https://fruitful-investing-academy.teachable.com/ Want A 1-on-1 coaching call with Mat? Book it here - https://fruitful-investing-academy.teachable.com/p/mat-piche-coaching-call
Views: 83066 The Fruitful Investor
How Do Banks Determine Mortgage Interest Rates?
 
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http://www.bestsyndication.com/?q=how-are-mortgage_rates_determined.htm Have you ever wondered why banks continually change mortgage interest rates? There are many factors that help lenders determine both fixed rate and ARM mortgages. This video will explain how the interest rate is determined. There are many factors that affect mortgage rates including government bonds, rates that the government sponsored enterprise charge and the London Interbank Offered Rate. In this information program, we will discuss how these benchmarks are used to help bankers determine mortgage rates. One common benchmark cited for determining mortgage rates is the Federal Funds rate. This is the rate that banks charge other banks for overnight operations. That rate is currently in a range between zero and 0.25 percent. The discount rate is the Federal Reserve's primary interest rate. This is the rate that the Federal Reserve, also known as our central bank, charges member banks. Unlike the Federal Funds rate, the Federal Reserve Bank has absolute power in determining this interest rate. The current primary rate for the member banks is 0.75 percent. Banks that are not eligible for this primary rate are charged 1.25 percent. A third seasonal rate is for small depository institutions that need to meet seasonal requirements. The Prime Rate is what banks charge their best customers, usually corporations and large companies. This rate is typically 2.5 to 3 percent above the Federal Funds rate. These rates rarely change, so why do mortgage rates fluctuate so frequently? There are other benchmarks, including government bonds. The "Capital Markets" play a major role in mortgage loan rates. Investors are constantly looking for safety and a return on their investment. The safest investment has U.S. government bonds, notes and bills. But the rate of return is relatively meager compared to what they could get buying other securities. Investors willing to take a little more risk might consider stocks or mortgage backed securities. Typically, in better economic times they are willing to make riskier investments. Government securities have historically been considered low risk investments. Similar to a heard of cattle or sheep, after the sign of economic uncertainty investors will flock to these securities. This drives down yields. Here is an example. Let's say there is a 100 dollar Treasury bill offered that will pay 110 dollars on maturity. If there is a lot of demand for the T-bill, the price will increase. You might bid 100 dollar, but your neighbor may bid 105 dollar for that same security. The higher the price for that T-bill will lower the yield. Rather than yielding 10 dollars at face value, the bill will not yield only five dollars. Conversely, when demand for bonds fall, the interest yielded on them increases. Banks and other lenders are also in competition for investor dollars. If Treasury yields go higher, banks need to offer investors a better return on their investment too. Thus, they need to increase the interest rate to the homeowner / borrower. Since the 30-year mortgage is usually paid-off or refinanced before 10 year, the 10-year note is one of the better benchmarks bankers use to determine mortgage rates. Since buying mortgages is more risky than buying government Treasuries, banks need to pay a premium for that risk. That premium has historically been around 1.5 to 2.0 percent. If the 10-year note is providing a yield of three percent, expect the 30-year mortgage interest rate to be somewhere around 4.75 percent. The Adjustable Rate Mortgage (ARM) will usually carry a 30-year term but will have a variable interest rate starting after 5 years. Typically the rate will adjust once a year after that. Banks will use several benchmark indexes to make that adjustment. The most common benchmarks are the London InterBank Offered Rate, or LIBOR, and the Prime Rate.
Views: 14421 BestSyndication
Hard Money Lenders VS Private Money Lenders which is better?
 
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Hard Money Lenders Vs Private money lenders and the main difference was a video we filmed as a response to question we received. It seems a lot of hard money lenders are marketing themselves as private money lenders today and they are but really what investors know to be private lenders are individuals who are not professional money brokers or hard money lenders. Hard money lenders charge points up front, origination fees, use draws for rehab money, inspection fees, more stringent on the interview process, and make you leave more money in the deal then a real private money lender in the sense of the term. It is always better to find a real private money lender and use them instead of a hard money lender in my opinion and in this video I talk about the reason's I feel this to be true. A lot of new investors may not be able to raise private money so they may have to go to a hard money lender for help and from time to time we use hard money lender's in our business and they serve a necessary purpose in the business. hard money lender vs private money lender I hard money I private moneyI private money lender I private loans I professional lender I banks I financing I Connor Steinbrook I Investor Army Learn More About Our Home Study Program: Flip Army - How To Flip Houses The Investor Army Way https://info-investorarmy.clickfunnels.com/product-page18241012 Contact us at: [email protected] For More Resources And Opportunities To Take Your Business To The Next Level Go To…… http://www.investorarmy.com/ Visit Our Other Youtube Channel “Investor Army Podcast” For More Videos By Connor Himself https://www.youtube.com/channel/UCmayBtBkxyNVEu5YPNwm2mg Follow Us On….. Facebook: https://www.facebook.com/InvestorArmy/ Twitter: https://twitter.com/Investorarmy Linkedin: https://www.linkedin.com/in/connor-steinbrook-58b2b9a1/ Google+: https://plus.google.com/u/0/108318927307224577838 iTunes: https://itunes.apple.com/us/podcast/investor-army-podcast/id1234085118 Blubrry: https://www.blubrry.com/investorarmypodcast/ Instagram: https://www.instagram.com/investor_army/?hl=en
Views: 11962 Investor Army
Real Estate Investment Financing
 
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In this video, we’ll be discussing current market trends, current interest rates, and some of the strategies our most successful clients are using. We’ll cover these products and more: Transactional Funding Short term “wholetail” loans Fix and Flip loans Fix and Rent loans Cashout refinances Portfolio loans Private Mortgage Sales Lines of Credit We really enjoy helping investors get the financing they need. You can call us anytime, or fill out the form at the bottom of the page. We look forward to doing business with you. https://www.2020rei.com/real-estate-investor-financing/ General Information: We have rental loan rates as low as 6% (fully amortized) and fix and flip loan rates as low as 8% (interest only). Origination points start at 1%. It is impossible to quote rates, terms, or any other information before we know more about you AND the property you want to buy. So, let’s get started, and see where we can go from here. Want to call us? Call 972-737-1850
Views: 325 Tim Herriage
Private Real Estate Investors Lending in Sacramento, California
 
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http://www.lendinguniverse.com Find private real estate investors and lenders in Sacramento , California to fund hard money loans residential, commercial land and construction. At http://www.lendinguniverse.com/BorrowersPrivateLender.asp complete simple form and we will deliver you fast, accurate multiple results. We are neither a lenders nor a broker we give borrower tools to find and track and compare all the negotiations. Lenders compete- You decide. Real Estate Loan & Investor Our network of registered lenders includes brokers, private investor and real estate investor firms, and leading financial institutions such as Bank of America and Wells Fargo. This vast network of institutions and investors is given instant access to your real estate loan request, which guarantees the best financial deal for each and every Lending Universe client. Application forms for hard money loans, commercial real estate loans and mortgage loans can be complicated and long. The Lending Universe application process is the definition of simplicity. With our secure, integrated software, all your information is safe from outside infiltration, plus your commercial lender application can be completed and submitted in just a few minutes. Simple, effective, secure and trustworthy, your real estate loan application is always in safe hands when you deal with Lending Universe. Another great service offered by Lending Universe is the loan control center. Specifically designed to keep track of your real estate loan applications as well as any hard money loans applications, this is a great tool for any client. With this excellent facility, if your loan meets the criteria you can receive between 4-6 bids and a letter of interest for your residential or commercial real estate loan. For your convenience, we ensure that any interest is emailed to you directly. Lending Universe is committed to securing the best hard money loans and commercial real estate loans for each and every client. With your loan control center, your loan is of paramount importance and until your deal is closed, it remains active. Unlike other online services, our commitment is guaranteed. Commercial real estate loan, residential real estate loan, or hard money loans, whatever your needs, just fill in our simple, effective, secure and integrated application forms and just wait for the results. Over 10,000 Hard money lenders, brokers and private real estate investors in Sacramento County,California funding residential commercial vacant land and construction loans. Service provided in Los Angeles includes: Lenders competing Loan modification Commercial mortgage lenders Conduit loans Commercial lenders in Los Angeles Commercial loans Commercial mortgage lenders Mezzanine loan Private mortgage leads Commercial property loans Hard money commercial loan Private mortgage leads Commercial lenders Mortgage leads Commercial mortgage Commercial mortgage broker Commercial mortgage lender What is hard money? Appraisers Notary publics Real estate agent Commercial financing Construction lenders Commercial mortgage lending International loans Construction lenders Commercial mortgage loan Commercial mortgage lending Commercial hard money Hard money commercial lenders Commercial mortgage brokers Business property loans Conduit loan Bridge loan Land purchase loans Commercial loans rates Commercial real estate loan Private investors Private mortgage investors Buy mortgage leads Private mortgage lenders Commercial real estate mortgage Small commercial mortgage Conduit loans Loans deals Debt service coverage Hard money mortgage lenders List of mortgage companies Construction loans rates Mortgage lender Private investor real estate loan Find a mortgage broker Mortgage leads for less Commercial real estate financing Commercial loan interest rates Amortized loans Hard money commercial lenders Real estate lenders Loan servicing software Construction loans Los Angeles Debt service coverage ratio Buy real estate leads SBA 504 7a Commercial mortgage rates Real estate loan Mortgage lenders Debt service cover ratio Prepayment penalty loan Loans for land purchase Loan rates comparison Mortgage leads Los Angeles Apartment building financing SBA 504 interest rate Hard money mortgage lenders Buy leads Loan rates compared Purchase mortgage lead Bank of America commercial loans Commercial mortgage rate Bridge loans Loans to Alien/Foreign Nationals
Views: 613 lendhardmoney
How to find private investors
 
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http://lendinguniverse.com the website for private or institutional investors for How to find private investors The outside world's monetary demand, increased and made possible by our hard money hard money loans and Our excess of equity LTV of hard money dollars and services has already caused a dangerous price rise, and cannot be maintained at the present unparalleled rate. gifts, has mainly impinged upon Borrowers foodstuffs. As a result the wholesale price of food¬stuffs hard mortgage lender—which would have been high even without this abnormal foreign demand—had risen by the week ended Sept. 20, 2009 to 259 per cent of the 1939 level, and was still rising. How to find private investors, In its most widely held form the conclusion rests on the assumption that the present economic difficulties of West US are in the main the consequences of the destruction and dislocations of recession. It is assumed that hard lenders of mortgage lender is a definite deficit that Lender can make up by hard money hard money loans or gifts, that Lender must supply this if West US is to recover, that West US's economic recovery is essential for Lender's prosperity, and that hard lenders of mortgage brokers it is "good business" for Lender to make these gifts or hard money hard money loans, even if the hard money hard money loans are never repaid. The sacrifices in the present, it is argued, will be more than compensated by gains in the future. It is grimly ironic that many of the same private real estate investors, who now tell us that we must pour our money and hard money dollars into West US because West US revival is essential to our own, are the very private real estate investors who have been the most insistent on the policies that make and keep Texas an economic vacuum. For the great obstacle to Banking recovery today is not the destruction and dislocations of the recession, huge as these were. It is the carving up of Texas and the present policies imposed on hard mortgage broker by the Allied occupation forces. http://www.lendinguniverse.com/lend/trust_of_deed.htm How trust of deed works, Thank you for visiting lendinguniverse.com, a nationwide and universal trust of deed source finder and competing bids provider. Complete 1 minute online request for trust of deed and get hard equity loans , finance , small business loans and first franklin mortgage , loans. Alabama hard money , unsecured loan , home mortgage , Arizona hard money , homeside lending , lending corp , hard money lender list , refinance , fha mortgage , top mortgage lenders , top mortgage lenders , refinancing , mortgage refinancing mortgage payment calculator deed in trust , Indiana hard money , home equity loans refinance mortgage rates , home loan lending institutions , home equity getting a business loan rates mortgage , calculator mortgage loan company , home equity mortgage home equity line of credit loans Hawaii hard money , lenders loan lenders morgage, interest rates hard lenders Louisiana hard money, business loans calculators mortgage, lenders money lenders, mortgage amortization lenders rates lending borrowing, lending mortgage rate, mortgage deals mortgage lending, mortgage payments lending definition, lending software lending source, Mississippi hard money, and loans, home mortgage refinance, refinancing premier lending, Nevada hard money, home loan home loans, sub prime lenders bank equity loans, Hard money lenders North Carolina. http://www.youtube.com/watch?v=r4zwOe9_fNU Prime interest rate, http://www.backlinkstrafficseo.com/ website promotion and traffic search, traffic submit, website promotion submit url and prchecker high search engine rankings. website promotion and traffic search, traffic submit, website promotion submit url and prchecker high search engine rankings. In connection with website promotion and add traffic, seo serp, website promotion submit url and iwebtool lookup page rank. The benfits of search engine ranking and , backlinks pr, search engine ranking pagerank and google page rank pageranks.
Views: 323 lender2014
Assetavenue Realty Mogul Alternatives Lending Rates 6.99%
 
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Assetavenue, Patch of Land funding alternatives better than real estate Crowdfunding loans with rates.starting at 6.99% direct commercial and residential investment property loans.https://www.linkedin.com/in/hardmoneylenders Many realty investors think that a real estate crowdfunding loan is a new paradigm in private lending for investment properties. Real estate crowdfunding platforms like AssetAvenue, Patch of Land, Realty Mogul and Ifunding are similar to standardized investment private hard money lenders in that the capital influx comes from " the crowd" and as we all know even 2 makes a "crowd". Getting a fix and flip rehab loans or finding a residential funding source from a real estate crowdfunding platform is basically getting a private residential rehab loan. As these real estate crowdfunding companies proliferate many ( as you can real in the news and on sites like crowdinsider as now getting financing from traditional money lending sources. In this many of these crowdfunding platforms like Los Angeles, California based AssetAvenue are sliding away from the " mom and poo" investor to the hedge funding giants in silicon valley and NYC.
Views: 50 Seo California
Colorado springs investment property and commercial financing
 
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http://www.lendinguniverse.com/borrowerscoloradospringsmortgage.asp colorado springs investment property, construction to permanent loans, commercial mortgage companies, best commercial mortgage, land only loan, home construction contractors, construction loan agreement, commercial land loans, va construction loans, private investor loans, http://www.lendinguniverse.com/BorrowersPrivateLender.asp money lender, direct hard money lender, hard money loans, rehab loans, private mortgage investors, private hard money lenders, commercial loan brokers, subprime lenders, hard money land loans, hard money loans, hardmoney, commercial financing, hardmoney lenders, subprime lenders, private mortgage investors, fast hard money loans http://www.youtube.com/watch?v=zxeH9uws0CM commercial financing, hard money land loans, gmac commercial mortgage, commercial lending rates, private mortgage investors, fast hard money loans, commercial loan brokers, land loan rates, construction perm loan, money lender, hard money land loans
Views: 125 hardmoneylosangeles
Hard Money Lenders in Oklahoma City
 
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http://www.lendinguniverse.com Hard money lenders in Oklahoma City, Oklahoma are funding residential commercial and even vacant land loans. Go to http://www.lendinguniverse.com/BorrowersHardMoneyLoans.asp to contact hundreds of Oklahoma Citys private investors, hard money brokers and credit union who can potentially arrange your loan fast. In addition to being directly connected to the lenders the website provides tools to optimize your request for hard money loan and tools to compare and keep track of multiple offers, Lenders compete- You decide. Service provided in Los Angeles includes: Lenders competing Loan modification Commercial mortgage lenders Conduit loans Commercial lenders in Los Angeles Commercial loans Commercial mortgage lenders Mezzanine loan Private mortgage leads Commercial property loans Hard money commercial loan Private mortgage leads Commercial lenders Mortgage leads Commercial mortgage Commercial mortgage broker Commercial mortgage lender What is hard money? Appraisers Notary publics Real estate agent Commercial financing Construction lenders Commercial mortgage lending International loans Construction lenders Commercial mortgage loan Commercial mortgage lending Commercial hard money Hard money commercial lenders Commercial mortgage brokers Business property loans Conduit loan Bridge loan Land purchase loans Commercial loans rates Commercial real estate loan Private investors Private mortgage investors Buy mortgage leads Private mortgage lenders Commercial real estate mortgage Small commercial mortgage Conduit loans Loans deals Debt service coverage Hard money mortgage lenders List of mortgage companies Construction loans rates Mortgage lender Private investor real estate loan Find a mortgage broker Mortgage leads for less Commercial real estate financing Commercial loan interest rates Amortized loans Hard money commercial lenders Real estate lenders Loan servicing software Construction loans Los Angeles Debt service coverage ratio Buy real estate leads SBA 504 7a Commercial mortgage rates Real estate loan Mortgage lenders Debt service cover ratio Prepayment penalty loan Loans for land purchase Loan rates comparison Mortgage leads Los Angeles Apartment building financing SBA 504 interest rate Hard money mortgage lenders Buy leads Loan rates compared Purchase mortgage lead Bank of America commercial loans Commercial mortgage rate Bridge loans
Views: 165 Itnterestrates
Lending and private hard money lenders
 
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Views: 161 Itnterestrates
Calculating Numbers on a Rental Property [Using The Four Square Method!]
 
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Learn how to analyze a rental property with the unique "four square" method and make sure your next rental property investment is a cash cow! In this video from BiggerPockets.com, Brandon Turner (author of The Book on Rental Property Investing and co-host of the BiggerPockets Podcast) shares with you the step by step method for determining the monthly cash flow and cash on cash return for any rental property investment. Calculating the numbers on a rental property doesn't need to be difficult - and this video proves it.
Views: 1318671 BiggerPockets
Hard Money Mortgage Loans in Hayward
 
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http://www.lendinguniverse.com Get Private investors funding hard money mortgage loans in Hayward county of Alameda in the state of California. The best hard money lenders will compete for your equity loan residential or commercial in Hayward. Or you can find your own lenders, brokers and investors including your existing lender and use http://www.lendinguniverse.com/BorrowersHardMoneyLoans.asp to compare multiple loan offers for residential, commercial, land and construction loans. Hundreds of private investors, hard money lenders, brokers and credit unions can potentially arrange your loan fast. In addition to being directly connected to the lenders the website provides tools to optimize your request for hard money loan and tools to compare and keep track of multiple offers, Lenders compete- You decide. The City of Hayward with population of 149205 is part of Alameda county. Hard money lenders in Los Angeles are funding residential commercial vacant land and construction loans. Service provided in Hayward includes: Lenders competing Loan modification Commercial mortgage lenders Conduit loans Commercial lenders in Los Angeles Commercial loans Commercial mortgage lenders Mezzanine loan Private mortgage leads Commercial property loans Hard money commercial loan Private mortgage leads Commercial lenders Mortgage leads Commercial mortgage Commercial mortgage broker Commercial mortgage lender What is hard money? Appraisers Notary publics Real estate agent Commercial financing Construction lenders Commercial mortgage lending International loans Construction lenders Commercial mortgage loan Commercial mortgage lending Commercial hard money Hard money commercial lenders Commercial mortgage brokers Business property loans Conduit loan Bridge loan Land purchase loans Commercial loans rates Commercial real estate loan Private investors Private mortgage investors Buy mortgage leads Private mortgage lenders Commercial real estate mortgage Small commercial mortgage Conduit loans Loans deals Debt service coverage Hard money mortgage lenders List of mortgage companies Construction loans rates Mortgage lender Private investor real estate loan Find a mortgage broker Mortgage leads for less Commercial real estate financing Commercial loan interest rates Amortized loans Hard money commercial lenders Real estate lenders Loan servicing software Construction loans Los Angeles Debt service coverage ratio Buy real estate leads SBA 504 7a Commercial mortgage rates Real estate loan Mortgage lenders Debt service cover ratio Prepayment penalty loan Loans for land purchase Loan rates comparison Mortgage leads Los Angeles Apartment building financing SBA 504 interest rate Hard money mortgage lenders Buy leads Loan rates compared Purchase mortgage lead Bank of America commercial loans Commercial mortgage rate Bridge loans Loans to Alien/Foreign Nationals Experimental Job in Tel Aviv. Yael Lear of http://www.Yaelir.com is looking for potential expansion Landscape Architects is now a licensed, full service Landscape Architectural firm specializing in creating only beautiful, environmental friendly outdoor spaces. We love using drought tolerant plants which fit Southern California conditions. We listen to our clients and want to know all their needs and wants, only then we will come up with our fresh, creative design which will always exceed your expectations. We work on variety of projects; single family residential, multi-unit residential, new track developments, commercial and industrial projects, institutional projects and schools.
Views: 74 Moshon Reuveni
Commercial construction loan New York
 
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Views: 243 NewYorkWeddings
What is an Adjustable Rate Mortgages (ARM)?
 
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Welcome to the Investors Trading Academy talking glossary of financial terms and events. Our word of the day is “Adjustable-Rate Mortgages” Also known as variable-rate mortgages. The initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum and a minimum defined in the loan agreement. If interest rates rise, so does the loan payment. If interest rates fall, the loan payment may as well. The initial interest rate is normally fixed for a period of time after which it is reset periodically, often every month. The interest rate paid by the borrower will be based on a benchmark plus an additional spread, called an ARM margin. An adjustable rate mortgage is also known as a "variable-rate mortgage" or a "floating-rate mortgage". Both 2/28 and 3/27 mortgages are examples of ARMs. A 2/28 mortgage's initial interest rate is fixed for a period of two years and then resets to a floating rate for the remaining 28 years of the mortgage. A 3/27 mortgage is typically the same as a 2/28 mortgage, except that the interest rate is fixed for three years and then floats for the remaining 27 years of the mortgage. By Barry Norman, Investors Trading Academy - ITA
Peer to Peer Loan Investing - Lending Club Returns
 
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http://www.learnbonds.com/ Much like bonds, p2p loans have ratings to give investors some idea of the riskiness of the loans. Obviously the riskier the loan the higher the interest rate. That does not however mean that's where you will get the best return. Here's how to know.
Views: 555 Learn Bonds
Morris Invest: How to Calculate ROI on a Real Estate Investment
 
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Return on investment, or ROI, is the single most important metric to consider when it comes to purchasing rental real estate. At Morris Invest ROI is used to evaluate the performance of an investment. This metric determines how profitable your investment will be. If you’re assessing a real estate investment, ROI is critical. It is the entire reason for investing in real estate! You need to know how to use a simple and conservative formula in order to thoroughly analyze the return on a rental property. In this video, I’ll show you a simple and straightforward way to calculate ROI. You’ll learn about the cash-on-cash formula, and the importance of being conservative in your estimate. We'll talk about cash flow, expenses, and more! How to Evaluate Debt Service on a Rental Property: https://goo.gl/CNzxFq BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Views: 116227 Morris Invest
PSA: Why you SHOULDN’T get a 15-year Mortgage
 
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Here’s why I don’t recommend getting a 15 year mortgage vs a 30 year mortgage, and how taking out a longer term loan could leave you with WAY more money…enjoy! Add me on Snapchat/Instagram: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ Get $50 off for a LIMITED TIME with code ThankYou50 - The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: https://goo.gl/UFpi4c here’s where I’m getting at, summed up as simply put as possible..if you don’t watch anything in the video, at least read this: First of all, there’s NOTHING stopping you from paying down a 30-year mortgage early if you want to. If you get a 30 year loan, you can pay it off whenever you want. If you decide you want to pay it off in 15 years, just increase your monthly payment and pay it off sooner. What a 30 year loan gives you that a 15-year loan doesn’t is FLEXIBILITY. It gives you the ability, if you want to, to pay it off over 30 years and invest elsewhere…or you can pay it off in 5 years, it doesn’t matter. The advantage to doing this is that it gives you more safety and leeway with your payments. Also, home equity isn’t really going to be making you money…as unpopular as that is to say, when you have your money tied up in a property, it’s not money that’s easily accessible to invest elsewhere at a higher return. In order to get that money, you either need to sell the property - or do a cash-out refinance, pulling out your money, but then taking out a brand new loan and starting all of this again. With a 30 year loan, you’ll have access to your money as you need it because you’re paying LESS money into an illiquid investment like real estate, and like my last example, you’ll have more free cashflow available to you at the end of the month. And arguably, the difference in loan amounts between 15 years and 30 years is really such a small number after you account for write offs and inflation…that you may as well just take the 30 year for additional flexibility, allowing you to re-invest the money at a higher return. And let me just say this for all the Dave Ramsey followers who live by his advice of the 15 year mortgage: The IDEAL scenario here is that if you’re getting a home for yourself to live in, buy something where you could afford the 15-year mortgage, but take a 30 year for additional flexibility. If you’re getting a house where you can ONLY afford a 30 year house payment, I’d argue that you should lower your price range. For an investment property, always take the 30 year…cash flow is king, not equity, so you could always go with the option that gives you the greatest amount of write offs…which is the 30 year…and the most cash flow…which is also the 30 year. For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at [email protected] Suggested reading: The Millionaire Real Estate Agent: http://goo.gl/TPTSVC Your money or your life: https://goo.gl/fmlaJR The Millionaire Real Estate Investor: https://goo.gl/sV9xtl How to Win Friends and Influence People: https://goo.gl/1f3Meq Think and grow rich: https://goo.gl/SSKlyu Awaken the giant within: https://goo.gl/niIAEI The Book on Rental Property Investing: https://goo.gl/qtJqFq Favorite Credit Cards: Chase Sapphire Reserve - https://goo.gl/sT68EC American Express Platinum - https://goo.gl/C9n4e3
Views: 389090 Graham Stephan
Private Money Deal Structure
 
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No up front cost private money loan structure 📬 Join my Mailing List for Insights and Updates to Grow Your Business http://bit.ly/LGREIList Questions for Me? http://bit.ly/AskAprilrei Let Me Know What You Want to Learn More About https://goo.gl/forms/9GRTUxR9JJ3epT8n1 🏡Get Your Real Estate Investing Career Rolling Cash Out RE-FI Investing 💸 https://youtu.be/hO1NafnEJVE Private Money Deal Structure https://youtu.be/IN4uG3VwBDM What Do YOU Do with 25k 💸 https://youtu.be/nXETn5pUeng Real Estate When You are Broke with Bad Credit https://youtu.be/rGYAPztUG4Q Deal or Dud 📝 https://youtu.be/JGjlndbvDsc 📱Check Me On Social!🔹🔹🔹 https://www.instagram.com/april_crossley/
Views: 14233 April Crossley
I found the MOST PROFITABLE Savings Accounts (It’s not Robinhood)
 
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After reading all the interest about Robinhood’s 3% Checking Account, I did some research and found the BEST Savings accounts that offer the highest interest…FDIC insured ;) Enjoy! Add me on Snapchat/Instagram: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ GET $50 OFF FOR A LIMITED TIME WITH COUPON CODE: THANKYOU50 The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: https://goo.gl/UFpi4c First Bank: Ally Bank As of mid December 2018, they offer a 2% annual return on your money in their online savings account. And this is with no strings attached…no account minimums, no maximums, no need to make direct deposit every month to quality, no conditions to meet…no waiting list of over 700,000 to join…it’s just open up an account, put your money in, and enjoy a 2% return! Second Bank: American Express Savings They offer the same 2% return just like Ally Bank does. I’ve been an American Express customer since 2012 and AMEX has been nothing but amazing. Their accounts also have no fees, no minimums, and a pretty decent way to get 2% return if you’re already an AMEX customer. Oh, and it’s FDIC insured ;) Third Bank: Capital One 360 They also offer a no fee account that offers 2% interest…but they’re not quite as good because to get the 2%, you need to keep a minimum of $10,000 in your account. So most likely, the other two options are a little better. Fourth Bank: Marcus by Goldman Sachs Right now they offer a slightly better rate than the previous 3, at 2.05% interest! No account minimums and no requirements to meet! Fifth Bank: Synchrony Bank. Pretty much the same as Marcus by Goldman Sachs and they also offer the same 2.05%! Sixth Bank: PNC Bank They offer 2.35% interest. That’s pretty much the highest that I’ve found on a savings account without any account minimum, without any fees, or without any weird deposit requirements, without any waiting lists, and best of all…while still having FDIC insurance! There are several other nation wide banks that offer 2.4%+ interest…although all of them had bad reviews, so I didn’t feel comfortable listing them. - In terms of other banks offering OVER 3% to match or even beat Robinhood…yes, that does exist. There are several other REGIONAL BANKS that offer 3% AND HIGHER if you meet their requirements. The full list can be seen here: https://www.doctorofcredit.com/high-interest-savings-to-get/ So while Robinhood seems like the BEST option in terms of no fees, no requirements, and no minimums to make 3%, it MIGHT not be worth the risk if they don’t have SIPC insurance confirmed. And this video is really about just giving you some other ideas and options besides Robinhood. Even though you’ll make a bit less than 3%, the result is pretty negligible..the difference of .65% on $20,000 is only $10.83 per MONTH…and for that price, I think getting a better bank with better customer service is totally worth the price. So I hope this video was able to give you some solid options to think of! For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at [email protected] Suggested reading: The Millionaire Real Estate Agent: http://goo.gl/TPTSVC Your money or your life: https://goo.gl/fmlaJR The Millionaire Real Estate Investor: https://goo.gl/sV9xtl How to Win Friends and Influence People: https://goo.gl/1f3Meq Think and grow rich: https://goo.gl/SSKlyu Awaken the giant within: https://goo.gl/niIAEI The Book on Rental Property Investing: https://goo.gl/qtJqFq
Views: 221104 Graham Stephan
Neveda loan lenders
 
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http://lendinguniverse.com the website for private or institutional investors for Neveda loan lenders III. Hard lenders of mortgage lender must be an end of price control, hard commercial lenders of mortgage broker for home-produced or imported hard money dollars, and an end of hard mortgage broker regulations that prevent or unbalance trade and production. Neveda loan lenders, But this simple statement conceals a very complicated set of facts. it means that the average income of families and indi­viduals in the Lending industry is Detroit mortgage broker than the average income of families and individuals in West US. And that is all it does mean. Hard lenders of mortgage lender are many private real estate investors in West US richard mortgage broker than the aver­ age Borrowers. it is possible for particular firms and persons within the state to profit by such a transaction at the expense of all the rest. It is true, for example, that persons engaged exclusively or chiefly in export business might gain on net balance as a result of bad hard money hard money loans made abroad. The investor might profit at first by additional foreign sales. But if the foreign hard money loan is not repaid, then those who make it lose the money. If it is a government hard money loan, then the loss must be made good out of increased taxes on every Borrowers. http://www.lendinguniverse.com/lend/equity_loans_interest_rates.htm How to find equity loans interest rates, Welcome to lendinguniverse.com, a nationwide and universal equity loans interest rates source finder and competing bids provider. Complete 1 minute request for equity loans interest rates to receive hard money lender list , home equity , finance mortgage and trust deed notes , mortgage rates. Hard money lenders Colorado , home equity mortgage , rates mortgage , Delaware hard money , buy trust deed , copy of trust deed , hard lenders , bad credit , interest only mortgage , real estate loans ohio , 1st lenders , mortgage loan , calculator mortgage loan lenders premier trust deed services , Hard money lender Michigan , mortgage 2nd mortgage , equity loans trust deed default , refinance mortgage real estate loans utah bad credit mortgage , home loan mortgage loan lender , capital mortgage real estate loans maine Louisiana hard money , mortgage advice commercial lending, refinance hard money lenders Hard money lenders Missouri, refinancing mortgage refinancing, refinancing mortgage mortgage financial, mortgage servicing equity mortgage loan fixed mortgages, home loan mortgage loans, residential mortgage trust of deed, bad credit loans lending rate, low mortgage rate mortgage application, North Carolina hard money, and mortgage rates, rates mortgage bad credit, mortgage loan mortgage interest calculator, Oregon hard money, equity loans mortgage calculator, direct lenders lowest mortgage rates, South Carolina hard money. http://www.youtube.com/watch?v=Oo6SahTd0Ww Hard Money Mortgage Loans in Fontana, http://www.backlinkstrafficseo.com/ page rank and seo tool, your seo, page rank website promotion and pagerank tool increase search engine rank. page rank and seo tool, your seo, page rank website promotion and pagerank tool increase search engine rank. In connection with page rank and seo checker, seo webmaster, page rank website promotion and google check rank pageranks. The benfits of submit url and my traffic, traffic submit, submit url search engine ranking and website ranking improve link popularity.
Views: 11 lenderr2020