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How to Get the Best Financing - Real Estate Investing Made Simple with Grant Cardone
 
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** Investing in the right finances for your real estate deals is one of the most important things you’ll do. Creating the right amount of debt, getting the best rates and determining cash flow on your deal is incredibly important. A house isn’t considered an investment in this discussion. A house doesn’t produce cash flow and is another way for the bank to hold your money hostage. On a house, you’ll have a down payment, mortgage insurance and interest rate based on your credit score and other factors. You have to prove that you can afford the debt because the bank doesn’t consider it an income producing investment. The opposite occurs when you invest to buy an income producing property. In any real estate deal, your most important partner isn’t your agent or the person you are working with on the deal. Your biggest partner on the deal is the bank. When investing in commercial real estate, you should look for a multi-family investment with a minimum of 16 units. That’s because it produces enough income to protect the investment. Many times a bank will offer an interest-only loan at a certain percentage above Treasury rates when financing these types of deals. You’ll need to compare rates to find the best one and length of term for your situation. Financing is extremely important. You need to know financing because it costs you money. A difference of a quarter of a percentage point in interest rates on a large deal can mean paying hundreds of thousands of dollars more a year. Another difference you’ll want to pay attention to is your down payment. Unlike buying a house, you won’t want to pay your principle down after the initial down payment. The deal becomes about how much money you can make from it. As the land value continues to appreciate and rents continue to increase cash keeps flowing. This flow covers the debt payment and gives you passive income. There is no value in paying more to bring the debt down. Because financing is so important in these types of deals, you should spend more time negotiating financing than the price. As a small investor, the deck is stacked against you to keep you there. Don’t fall for these money myths: -Buy a house. In reality, this ties up your money. -Invest in a retirement plan. You’re giving your money to someone else and have no control over it. -Buy Stocks. Gambling with your money. -Savings Account. A bank gives you no return on your money by having it sit in your account. -Small real estate investments. These types of investments aren’t big enough to create real money that can become indestructible. Break out and invest. Do the Deal: -Find the right deal -Negotiate the right price and win the deal -Finance the deal Take the time to study and learn. Know real estate financing, and get it right. ---- ►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
Views: 26733 Grant Cardone
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: 62755 Graham Stephan
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: 17397 Morris Invest
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: 257985 BeatTheBush
How to Invest for an 8% Return
 
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Probably one of the biggest “Critiques” of my videos is that I’ll often assume and base my calculations off of getting an 8% return, which many find unrealistic - so here’s what I base my calculations from. Enjoy! Add me on Snapchat/Instagram: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ 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 $120 million in sales: https://goo.gl/UFpi4c One very important distinction here is that there is no such thing as a guaranteed 8% return. While we can base our returns off long term historical trends and use that as an educated guide, there will never be a bulletproof 8% return without any risk whatsoever. The other important distinction is that when we assume an 8% return, we never will see a consistent 8% return. I take the historic AVERAGE, meaning over a period of 30+ years. Short term, it’ll be much more difficult to calculate. Not financial advice, for entertainment purposes only - do your own research ;) The first is the SP500. If we look at the historic averages of the SP500, it’s returned close to 8% adjusted for inflation with the dividends re-invested. Again, nothing is guaranteed - and it’s possible we’ll see lower or higher returns in the future, but I believe it’s reasonable to assume about an 8% return given the last 100+ years of data. The second way you can get 8% returns, much like the above example, is individual stocks. This one is potentially MUCH risker, but with MUCH higher reward. I’d assume it to be much less passive than buying an index because you’re specifically researching a company and then monitoring that company to make sure they’re doing as well as you expected, and then maybe adjusting your position as necessary. It’s also much riskier because you have fewer eggs in your basket - unlike the SP500 where you basically have a small piece of 500 companies, when investing in individual stocks, you might only have a few - this has the potential to dramatically increase or decrease your returns. The third way, and everyone will know as my favorite way to get an 8% return is through real estate investing. I have a trillion videos on the subject of how to make money in real estate, but your real estate returns are typically broken up into three categories: Cash return, Equity by paying down your loan, and Appreciation. Generally, getting a 8-10% return in real estate is fairly common - in fact, some people end up getting insanely higher returns depending on the area. Not only are you receiving rent, but you’re also paying down the loan - building equity, and owning an appreciating asset. Win win win! The fourth way you can make returns of 8% or higher is through peer-to-peer lending websites like LendingClub or Prosper. This isn’t something I’ve personally done, but I know many people who have had a very good experience doing this and have averaged about 7-10%. These websites allow you to “loan” people money at set interest rates, for as low as $25 each. So far this has been fairly successful and seems to work great for people who loan money to those consolidating debt with a high income and decent credit score, but we’ve yet to see how sites like this will do during the next recession. I’m sure the returns will lower in economic turmoil, but regardless, it still seems like a fairly decent option for those willing to try it. But the key to doing this is to always have a long term outlook. From the way I see it, the short term is too difficult to predict - but long term, we’ve got a great baseline from many decades of research behind us. And also, the longer you can hold, the lower the risk - no one knows what will be in the future, but we can certainly use the past as a guide - and this, is exactly how I figure my 8% returns. Not financial advice (Again) ;) For business inquiries or 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: 36124 Graham Stephan
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: 5048 Morris Invest
📈📉 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: 17676 EconClips
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: 321 IMF
Private Money Lending Secrets
 
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Learning the Basics of Private Money Lending This Private Money Basics video explains the Advantages of becoming your own bank so you can Learn the Basics of Private Money Lending. This video is brought to you by FOMHoldings Are You Expecting Social Security To Provide Your Retirement? Dear Friend, If the answer is no, and I'm sure it is, please pay very special attention because the following information could make you thousands of dollars in the coming years simply by increasing the yield on the same money you're investing now. I am a professional and qualified Real Estate Investor and I'd like to spend the next few minutes talking to you about a way you can control your investments and safely make them grow at three to five times your current rate. Yes, I know it sounds too good to be true, but it isn't. What I'm going to share with you is very common in real estate circles and has been going on right under your nose in every city in America. Smart people have been utilizing this investment for years. In fact ......... There Have Been Entire Companies Built Around This Investment and Those Who Do It Properly Have Grown to Huge Proportions. This is a very safe investment that produces high yields while at the same time provides security and liquidity. Do you know what $25,000 is worth in five years compounded at a 7% yield? It's worth $35,440. But now let's take that same $25,000 and invest it for the same five years at 12% simple interest instead of 7% compounded. Now it's grown to an amazing $40,000! That's a $4,560 Difference Simply by Upping the Yield from 7% to 12% ...... That's An Extra $912.00/year Take Control of Your IRA, Pension Plan, Savings or CD's Increase Your Yield Earn 12% Instead of the Average 4-7% Interest Take a look at the following chart...... 5 Years Amount 7% Compounded 12% Simple Net Increase $10,000 $14,176 $16,000 $1,824 $25,000 $35,440 $40,000 $4,560 $50,000 $70,881 $80,000 $9,119 $100,000 $141,762 $160,000 $18,238 These numbers are huge when you consider that in the above example the interest earned on the 12% investment could be invested to begin earning 12% too!!!! If you expand it to a ten year term, your $25,000 would be worth $50,241 at 7% but if you change the yield to 12%, it grows to an incredible $55,000. That's $4,759 free dollars you will actually receive. Can you really afford not to control your own investments? Does it make sense for a bank to run your investments for you? They would like for you to believe it does. Well, there is an alternative for you to consider. That alternative is...... Private Mortgage Loans You can loan money, secured by a first or second mortgage that will not only give you the safety you want but will also give you the high yield we've discussed. Let me see if I can answer some of the questions you may have about making private loans. Who Borrows At High Rates? We do because we have learned that... It's Not the Cost of Money That Counts But the Availability. I make it possible to acquire good deals in houses because the funds were available from private lenders that would not be available from banks. If a Real Estate Investor can get good at locating good deals on houses, many times the bank wants to loan on the purchase price not the value of the house, thus penalizing him for being an astute Real Estate Investor. Having the money available will make or break the deal and paying a higher interest rate is irrelevant compared to..... Build Wealth In A Hurry Private Mortgage Lending Your Key To Higher Profits · Self Directing IRA's and Pension Plans · You Are In Control...Not the Bank · High Yields of 12% · Low Risk · You Control the Terms · Fast Liquidity · Small Loans · No Collection Hassles · Use Borrowed Money to Loan · Tax Deferred Earnings Call today for a free audio tape to learn how to increase the earning power of your money. http://fomholdings.com/private-lending/private-lender-application/ Looking To Participate In The Real Estate Market To Earn Solid Returns On Your Money: http://www.fomholdings.com/webinar ==============================­========= Hey it's our very own website: http://fomholdings.com Oh and our Facebook page: http://facebook.com/fomholdings Want to know when we're up to? Now you can: http://twitter.com/fomholdings Guess we should have a Google+ Page, too: gplus.to/fomholdings Watch our webinar! http://fomholdings.com/webinar Read our blog! http://bit.ly/1hqG0P3 Subscribe for new videos every Friday! http://bitylink.info/Real-Estate Sincerely, Andrew Texidor President FOM Holdings & Investments LLC. 6394 W. Blackhawk DR. Glendale , Arizona 85308 Phone: (602) 282-0221 Fax: (602) 282-0221 *Results are not typical. Investors should be aware of the risks inherent of any investment, including the loss of said investment.
Views: 71052 Saul Arias-Mendoza
Are we about to see a DROP in Real Estate Prices?
 
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Interest rates are going up, which means real estate is getting more expensive. So what’s going to happen - will prices decline as rates go up? Or is it better to buy more rates just get more expensive? Add me on Instagram/Snapchat: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ 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 $120 million in sales: https://goo.gl/UFpi4c Interest rates directly affect how expensive it is to own real estate. As interest rates rise, your affordability goes down since that same loan becomes more expensive. Historically, us “freaking out” about higher interest rates is rather comical. In the 1980’s, the fixed 30-year mortgage rate was 18%. By the 1990’s, it fell to about 10%…and since then, it’s steadily decreased. So what about real estate prices at that time, how did they fare when interest rates were 18%? Well, the surprisingly - it didn’t have much of an impact on prices. Development began to halt as borrowing became too risky for new projects, but dwindling supply kept prices rather intact. And historically speaking, interest rates have very little direct impact on property values…and the reality is that there are many other factors at play which determine the value of real estate. One interesting note is that usually interest rates are increased in either an improving economy, or to combat rising inflation. In an improving economy, people tend to be doing better as well - unemployment is lower, wages are increasing, people make more money, people spend more money. This bodes well for real estate prices as people have more discretionary income. If interest rates are increased to combat rising inflation, because real estate is a hard asset that typically increases in value at the same rate as inflation due to build costs also going up, sometimes the increase in property value from inflation actually outweighs any potential negative decrease caused by rising rates, and the net result can be positive for real estate. And as they say, when it comes to real estate, it’s location location location…a bigger determination of prices is still the age old supply and demand. Local market health is a much stronger indication of market price versus interest rates alone. My prediction is that we’ll continue to see upward pressure on real estate prices, even as interest rates slowly rise. Now the FED isn’t so stupid as to raise rates an absurd amount as to shock the market, they’ll do so in small, easy to swallow increases where it’s more like sitting in a simmering pot vs being tossed in a boiling vat of water. It’ll be so gradual that we’ll barely notice it over the next few years. So with that said…historically, no, rising interest rates have no correlation on real estate prices - even though, you’d think it would. But rising interest rates are more of an economic symptom of a healthy market, than the direct cause of that. So for anyone out there like me who was curious or concerned about this…probably no need to be concerned. Buy what you can afford, buy with the intention of keeping it long term…and hold. For business inquiries or 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: 87643 Graham Stephan
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: 19329 MoneyWeek
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
LENDING CLUB REVIEW 👥 Best Peer To Peer Lending Platform?
 
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LENDING CLUB: "Become the bank and make interest on loans." 🏦 http://ryanoscribner.com/lending-club Lending Club allows you to become the bank and make loans to other people through peer to peer lending. Through lending club, you can borrow money or invest money. Peer to peer lending is an investment that interests people because it is an asset class that was traditionally reserved for the banks. This allows investors to further diversify asset classes. One of the most popular peer to peer lending platforms is Lending Club. Watch More Investing Account Reviews! ✅ Betterment Review: https://www.youtube.com/watch?v=L72c6uaXh6Q&t=1s ✅ Betterment vs Wealthfront: https://www.youtube.com/watch?v=h8z4xd9MMbk ✅ Fundrise Review: https://www.youtube.com/watch?v=uyA7IOkfEss ✅ Top 3 Investing Accounts: https://www.youtube.com/watch?v=UM5Ouutn53k ✅ M1 Finance Review: https://www.youtube.com/watch?v=wZiOw5ewRAY ✅ Robinhood Review: https://www.youtube.com/watch?v=kpxfLizz6Pc ✅ M1 Finance vs Robinhood: https://www.youtube.com/watch?v=i-a_ZKUO5LA ✅ Lending Club Review: https://www.youtube.com/watch?v=03SrysO-RbM ✅ Webull Review: https://www.youtube.com/watch?v=R8dM7qZBLyU DISCLAIMER: Ryan Scribner, including but not limited to any guests appearing in his videos, are not financial/investment advisors, brokers, or dealers. They are solely sharing their personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Ryan Scribner’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor(s); and conduct your own due diligence. AFFILIATE DISCLOSURE: Some of the links on this webpage are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinions and comparisons. HOLDINGS DISCLOSURE: Ryan Scribner holds the following stocks: General Electric (GE), Alibaba (BABA), JD(.)com (JD), Facebook (FB), Apple (AAPL) and National Grid (NGG). While reasonable steps are taken to keep this information updated, this list may not be the most current.
Views: 15698 Ryan Scribner
Interest Only vs Repayment Mortgages vs Making Mortgage Overpayments
 
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Most of us are aware that interest only mortgages have the cheapest repayments but are the most expensive in the long run. But do you know just how expensive they are compared to repayment mortgages? Taking it a step further, you can save huge amounts of time and money by making small overpayments every month. If you're a property investor, you really should consider the benefits of making mortgage overpayments on your investment property portfolio to slash the term of your mortgages and the amount of interest you pay. This video looks at interest only mortgages vs repayment mortgages vs making overpayments on your mortgage to show you how much time and money it can save you over the life of your mortgage.
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: 95116 Investor Army
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: 22233 Killik & Co
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.
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: 12600 April Crossley
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: 549587 MoneyWeek
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
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: 372099 MoneyWeek
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.
Lend your Bitcoin and Earn 3% to 10%+ Interest
 
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In this video I show how to lend bitcoin on poloniex to earn interest. You can read tutorials or watch other videos to understand poloniex itself, I just want to make you aware this is an option out there for people to earn interest in bitcoin. https://www.poloniex.com/ ------------------------ Digital assets may lose holders all of their capital investment. This video makes no guarantees about anything, and I do not certify that the information provided is correct. Do your own research, make your own choices. This video is my personal commentary only. Poloniex lending exchange is subject to poloniex website rules, and I do not guarantee anything on behalf of their website, nor the rates you will find on their lending market. Information provided here is from my historical observation only and does not constitute an assertion of future market conditions on the poloniex exchange.
Best Peer to Peer Lending Sites and How to Get the Best Rates
 
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http://peerfinance101.com/list-peer-to-peer-online-loans-sites/ I wanted to add this video to one of our most popular posts on the blog, a super list of the peer to peer lending sites on the web. The list highlights all the fees, special features and discounts on each site so you can get the best peer loan for your needs. I just wanted to highlight some of the peer lending websites I’ve used as a borrower and as an investor. I also wanted to talk about a few of the things you can do to get lower rates on your loan. All of the peer loan sites are going to look at your credit report and assign an interest rate just like any other lender would. The trick to getting a better rate is to boost your credit score by as much as possible before applying for the loan. If you can pay off any credit card debt before applying for a loan, that’s really the best. The credit score people hate credit card debt because there’s no fixed payment or payoff date. Now paying off your cards isn’t usually an option for a lot of people, especially if you are looking for a peer loan to pay off your cards so we’ll cover a couple of other options here. The easiest thing you can do is call the credit card companies and ask to increase your limit. This doesn’t mean applying for new cards or going out shopping on your new higher spending limit. It’s just to make it look like you have more credit available. That’s important because part of your credit score is based on whether you have credit available, something called your credit utilization ratio. Another credit trick you can try is to get negative remarks removed from your credit report. You do this by writing the credit score bureaus and contesting a missed payment or late payment or whatever it is on your report you want removed. Now any of these things are going to take a couple of months to really boost your credit score, it just doesn’t happen overnight. But if you can increase your score by even 20 or 30 points, you could save hundreds or even thousands on your loan interest. So I’ve highlighted some of the peer lenders I’ve used. Not all are the same, some are better for good credit borrowers while others will work for bad credit borrowers. Some are better for debt consolidation and loans to pay off credit cards while others are better for student loans. There’s a table with some notes on each peer lending site as well so let’s look at the peer to peer loan sites listed. Lending Club is the largest peer to peer lending site in the world. They make small business loans also but almost all loans are personal loans for debt consolidation, home improvement, medical expenses and loans like that. Lending Club usually requires a higher credit score, around 640 or higher, but rates are lower also. Rates start at just over 5% and up to 31% depending on your credit. SoFi loans is also a good choice for good credit borrowers. They won’t say the minimum credit score for a loan but it may be higher than Lending Club. Rates are about the same, starting under 6% but don’t go as high. Two big advantages of SoFi is that they don’t charge an origination fee and you can refinance your student loans for even lower rates. Low or no origination fees are important because that’s money you pay off the top after getting your loan. An origination fee of 5% which is pretty standard across the peer to peer lending sites will cost you $500 for a $10,000 loan. Next is Personal Loans .com, a site I’ve used for peer loans and one of the best p2p websites for bad credit borrowers. The site says it requires a credit score of around 580 or higher but I know people that have gotten a loan with a lower score. The best part about personal loans .com is that they work with different lenders to provide a loan depending on your situation. They offer peer loans, personal loans and cash advances so it’s a way to get different offers on a loan from one website. Rates are higher, starting at just under 10% but it’s still much better than a payday loan and usually less than your credit card rates. If you’re applying for a peer loan online, it pays to start with the sites that might offer a lower rate. The website will do what’s called a soft pull of your credit first to estimate your interest rate. This first credit check doesn’t go on your credit report so it won’t hurt your score. They only do a hard check on your credit after you accept the interest rate and the loan. There are a lot of other peer lending websites in the list so check them out on PeerFinance101. The list is also broken down into best loan sites for different types of borrowers including bad credit loans, personal loans, business loans and more. So read through the list and get the right loan for you. #debt #loans #debtconsolidation #p2p #badcredit
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 to Get Private Financing for Real Estate
 
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How to Get Private Financing for Real Estate Many investors are fearful of approaching private money. In this installment of our Private Money Series, I’m demystifying private money, and sharing three simple steps to approach a private investor. If you’ve ever been hesitant to approach an investor, you won’t want to miss this! I’m sharing a foolproof system that works to find private investors. Private money is out there; you just have to know how to find it. Watch this video to hear the exact script I use to find private money. I’m even hosting a live phone call with a private investor in this video. Subscribe to our channel for the next part in our Private Money Series! DOWNLOAD THE FREE PRIVATE MONEY SCRIPT: https://actionnow.leadpages.co/freebie-youtube-private-money-script/ 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: 20941 Morris Invest
Learning the Basics of Hard Money Lending
 
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This Hard Money Basics video explains the difference between Hard Money Loans and Bank Financing for Real Estate Investors looking to find financing for distressed property. This video is brought to you by www.ShermanBridge.com
Views: 156281 Kurt Carlton
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: 9180 Cherif Medawar
4 Ways Not To Get Screwed By Private Lenders
 
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Armando Montelongo Breaks Down 4 ways to not get screwed by private lenders and hard money lenders.
Views: 32590 Armando Montelongo
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. 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 by 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 www.cardonecapital.com #business #realestate #investing #GrantCardone #10XRule #SalesTraining #SalesMotivation
Views: 131421 Grant Cardone
Private Real Estate Investors Lending in Dallas, Texas
 
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http://www.lendinguniverse.com Find private real estate investors and lenders in Dallas, Texas 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 Dallas County,Texas 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: 402 badcreditmortgage
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: 10020 Investor Army
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: 13881 BestSyndication
Home Loan & Real Estate Market Update Interest Rates & Investor Financing
 
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Teresa Tims, TDR home loan mortgage company is a trusted provider of home loan mortgages and home refinance Compare mortgage rates on a home refinance, HARP, harp 2.0, VA loans, FHA loans, Jumbo loans, conventional loans, http://www.TheSoCalLoanPro.com reverse loans, first time home loans, 1st time buyer loans, USDA loans, CalHFA loans and Chdap loans and Calhafa loans. We serve southern California including Upland, Rancho Cucamonga, Fontana, Rialto, Ontario, LaVerne, Claremont, Montclair, Pomona, Riverside, Corona, Glendora, Chino Hills, Chino, San Dimas, Los Angeles, Orange County, Coachella Valley, the High Desert and San Bernardino. I am a life-long resident of the Inland Empire and a licensed California Real Estate Broker, California Certified Residential Property Manager, Certified Short Sale and Foreclosure Specialist. With over 15 year's experience in the mortgage loan industry, I am dedicated and prepared to assist you with your mortgage loan or refinance. Check out my testimonials page raving fans are no accident http://www.thesocalloanpro.com/catagory/video-testimonials/ I look forward to hearing from you soon. Call 909-920-3500 or 909-821-3093 today! Connect with me on these sites http://www.TheSoCalLoanPro.com http://www.Facebook.com/tims.teresa http://www.ActiveRain.com/teresatims http://www.youtube.com/user/teresatims http://Twitter.com/teresatims http://Linkedin.com/in/teresatims http://www.teresatims.YELP.com http://www.Flickr.com/people/[email protected]/ http://Pinterest.com/teresatims/ http://www.TheSoCalLoanPro.tumblr.com NMLS # 267236 DRE Broker License # 01269949 Teresa Tims, TDR Mortgage and or is an equal opportunity lender and any mention of rate or term is an estimate only and could vary based on many variables such as credit score, equity position, sales price etc. We are an equal housing opportunity lender.
Views: 130 Teresa Tims
Working with Private Lenders - What Pitfalls To Avoid!
 
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As many of us would agree, private loans can be an amazing vehicle for both the Deal Provider (you as the investor) and the Cash Providers (your private money partners). Private loans can help you finance flips, rentals and help you expand your real estate investments. Private loans are great for lenders as well. They can be a terrific way for them to receive a high ROI on their money.  But private loans (as all tools in real estate investing) should be used with caution and education. There are pitfalls, common mistakes, and things to avoid when it comes to using private loans. In today's video, I share three of the most common pitfalls to avoid with private loans! 📘My New Book "Raising Private Capital" is now Available on Amazon https://amzn.to/2XbKCmX As always, please email us any real estate questions to [email protected] and we will answer them on an upcoming episode! More Videos to Grow Your Real Estate Business Mentorship Monday for Real Estate Investors https://www.youtube.com/watch?v=4VZWaV12KjM&list=PLwMizf219eEJtw_RRKw7PAxfEW95iM936 Raising Private Capital for Your Real Estate Deals https://www.youtube.com/watch?v=HmdNwTRUO7k&list=PLwMizf219eEKg-l6dRaFgxkIguvhG8dGb Buy and Hold Real Estate Investing https://www.youtube.com/watch?v=JzhkWhyssaM&list=PLwMizf219eEKXeibbtOOJmmQ5F2-47a0d Wholesaling Houses with Steve Chatto https://www.youtube.com/watch?v=fzXubrnuGKM&list=PLwMizf219eEJhfq_Xao4Q9sAmhYslTpMr Find us on Facebook https://www.facebook.com/thederosagroup/ Learn More about The DeRosa Group by Checking out our popular videos: How I bought a 18 Unit apartment with NO MONEY out of Pocket https://www.youtube.com/watch?v=3dDRVGYI1wg&t=14s #realestateinvesting #privatemoney #privatefinancing
Views: 1485 Derosa Group
Investment Property & Interest Rate Drop/Brexit Update
 
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Subscribe to view more videos like this: https://www.youtube.com/channel/UCDyqt_09GG8BsC7wtma_2FQ?sub_confirmation=1 Aran Curry discusses in his latest blog the impact on the property investment industry of recent investment rate changes. He also updates on the impact of Brexit. Aran Curry... #1 Author of the Property Coach 110 properties and 100 further joint venture properties in my portfolio Helped clients buy over 1000 properties in the last ten years Helped educate over 20,000 towards their property financial freedom in the last 3 years. ____________________________________________________ If you liked this video, you will love our video all about tax and the tax changes. Click the link to watch now! http://arancurry.co.uk/taxweb To get free access to videos like this all the time then follow me on my social media pages where I post my free video’s and weekly blogs. Facebook: https://www.facebook.com/arancurryfan/ Twitter: https://twitter.com/arancurry Aran Curry Blog: http://arancurry.tumblr.com/ If you find these video’s useful, you can actually get a FREE copy of my book ‘The Property Coach’ here: https://arancurry.clickfunnels.com/op... To find out more about Aran Curry and the brilliant education he has to offer, visit the website at http://arancurry.co.uk/ --------------------------------------------------------------- About Aran Aran Curry is one of the market leading educators and ‘do it for you’ leaders in the UK property industry. An investor with twenty years’ experience, over 110 properties of his own and over 100 joint venture properties. In the last three years alone he has educated over 20,000 people and helped them on their property journey. With his team he has helped investors, clients and himself to buy over 1000 UK buy to let properties.
Views: 1186 Aran Curry
Types of Bank Loans in India | By Ishan [Hindi]
 
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Types of Bank Loans in India | By Ishan [Hindi] In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity. From starting a business to purchasing a luxury car, buying a home to going on a vacation – these days you will find customized bank loans for all your needs. This creates a huge opportunity not only for banks but also for businesses selling consumers products. Banks label loans on the basis of end use of proceeds. Terms and conditions and other features of loans differ mainly based on this end use, i.e. the purpose of the loan. Bank loans on the basis of end use 1.Personal loan, as the name suggests, loans received as personal could be utilized by the recipient for any requirement. For example – marriage, home improvement, travel or any miscellaneous expenses. These days’ credit card companies give you an option to apply for a loan for up to the extent of your credit limit. This is processed online where you can choose your EMI and duration of repayments and a cheque will be delivered to you within 3-4 days, no questions asked. All you need is a credit card. The interest rate is highest for this category of loan. 2.Home Loans, typically has the lowest rate of interest and is usually taken for a very long duration. 3.Car Loans, these days’ automobile companies have ventured into finance by setting up separate subsidiary companies solely for this purpose. They are able to offer the best interest rates often with zero interest rate schemes. They usually undercut any bank’s finance terms since they are able to eat into their profit margin on the underlying vehicle. 4.Education loan, just like personal loans, the rate of interest is really high for this category. However the big advantage here is that most banks will give you a grace period before your EMI’s or repayment terms start. The grace period takes into account the duration for which your education lasts i.e. repayment starts once you complete your education and get into job market. 5.Business loan, again, the interest rate is really high for this category mostly because of the risk involved. Major Terms in Bank Loans 6.Gold Loan: Gold loan interest rates are lower as compared to personal loans and this is probably the edge. Processing fees are not charged on gold loans. However, they are charged for valuation of gold. Most of the banks and companies take utmost care not to damage the ornaments during evaluation or storage. 7.Property Loan: Loan against property is pretty similar to personal loan; the only difference being you put a property owned by you as collateral against the loan. This property might be confiscated in case you default on the loan. Fixed Rate vs. Floating Rate Loans Fixed Rate: The rate of interest is fixed either for the entire tenure of the loan or for a certain part of the tenure of the loan. In case of a pure fixed rate loan, the EMI remains fixed for the entire duration irrespective of whether the bank increases or reduces its interest rates and irrespective of RBI mandated changes in interest rates. If interest rates move up over the years, a fixed rate EMI becomes very attractive as you pay far lower than the market rate. Consequently a reduction in interest rates will have the opposite effect. Floating Rate: As the name suggests, the floating rate of interest varies with market conditions. EMI of a floating rate loan changes with RBI mandated changes in interest rates (and with changes in bank’s internal interest rate) from time to time. If market rates increase, your repayment increases. When rates fall, your dues also fall. Disclaimer- Some contents are used for educational purpose under fair use. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. All credit for copyright materiel used in video goes to respected owner. Keep Supporting Us :- Website : https://www.ishanllb.com/ Website : http://www.eisarahi.com/ Email : [email protected] Facebook Official : https://www.facebook.com/eisarahiofficial Facebook Page : https://www.facebook.com/IshanLLB/ Twitter : https://twitter.com/ishanllb Tags:- types of bank loans,different types of loans and their features,types of loans in india,types of loan in sbi,types of loans offered by commercial banks,types of bank loans for business,different types of bank loans,types of bank loans for business in india,Types of Bank Loans in India,loan kya hai,business ke liye loan,bank loan detail in hindi,loan kaise milega,definition of loan in hindi,sbi home loan in hindi,marksheet loan sbi in hindi,personal loan in hindi
Views: 92506 ISHAN LLB
Should We Be Positive About Negative Interest Rates?
 
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Join the Elite Investor Club here - http://www.eliteinvestorclub.com/ http://www.grahamrowan.com/ - Visit my website for more Tips & Advice Subscribe to my channel for weekly videos. Watch last weeks video - https://www.youtube.com/watch?v=YR0HVSF93KY Should we be positive about negative interest rates? Imagine Captain Kirk came back to earth after a forty year voyage in space. Your job is to explain what’s changed in the global financial system while he’s been away. Starting with negative interest rates… Ok Jim, here’s how it works. You give me a hundred euros for this German government bond today, and in five years’ time I give you back ninety-five euros. Any questions? ‘Beam me up Scotty, they’ve all gone crazy down here…’ If you thought it strange that we still have emergency interest rates seven years after the crisis, you obviously haven’t adjusted to the ‘New Normal’. Not long ago we all thought the weirdest thing that could happen was central banks printing money and using it to buy government bonds. Those of us who are a bit old fashioned and belong to what you might call the Austrian school of economics had a technical term to describe what organisations like the Federal Reserve were doing – fraud! Now, QE is part of the new normal. But what happens when the forces of economics 101, supply and demand, collide with the new normal of biblical money printing? The answer is negative interest rates! You take a risk buying my bonds. And I reward you years in the future by giving you back less than you invested. You think I’m joking, don’t you. How does this concept make you feel? Let me do my best to give a rational explanation of something that appears to defy logic. You might want to toke on some wacky baccy before trying to follow this. Because of the risk of deflation in the Euro zone, the European Central Bank recently announced a massive QE programme. But, unlike the Fed in America or the Bank of England here, there’s no such thing as European bonds that they can buy. They have to spread their love around a bit like Mambo number 5. (A little bit of Jessica etc). So they have to buy bonds from some of the dodgier countries of southern Europe like Spain, Portugal and Greece. What happens when there are suddenly a lot more buyers for something? The price goes up, which in bond terms means the yield, the interest payment, goes down. So if the bonds of the dodgy countries go up in price a bit, those looking for the safety of stronger countries like Germany or Switzerland will pay even more for bonds issued by these safe havens. But, since their interest rates were already close to zero, this new splurge of buying has raised the prices so much that the yield has gone negative. This is something many economists thought could never happen. They talked in hushed tones about interest rates being ‘zero bound’. Like so much the economists tell us, this has proved to be utter B.S. Switzerland started it with a central bank rate of minus nought point two five per cent in December. They’ve since ‘raised’ the negative rate to nought point seven five per cent. The ECB has followed suit and is now charging banks to leave funds on deposit. And it’s not just banks and government bonds going negative. In recent weeks corporate bonds issued by the likes of Nestle and Shell have gone negative. So, in their search for what they perceive as safe investments, individuals and institutions are now prepared to take a guaranteed loss over periods of up to thirteen years in the case of Swiss government bonds. Madness? Or a certain sign that there’s mayhem on the horizon? If you haven’t already booked your seat at the wealth summit to find out what the best brains on the planet think is going to happen, be very careful out there!
Views: 8716 Elite Investor TV
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: 27828 BiggerPockets
Best Places To Invest Your Money For the Short Term
 
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With interest rates at all-time lows, investors are looking for places to get a high return on their money. The fact of the matter, there isn't a ton of choices. But there is choices. Here's a look at some of the Best Places To Invest Your http://www.goodfinancialcents.com/best-short-term-investments-right-now-for-your-money/ ★☆★Resources Mentioned in this video:★☆★ 🤝 Peer to Peer Lending with Lending Club: https://www.goodfinancialcents.com/resources/lendingclub-youtube-how-to-invest-1k.php 📈Investing with Betterment: https://www.goodfinancialcents.com/resources/betterment-youtube-how-to-invest-1k.php 🏘Real Estate Investing with Fundrise: https://www.goodfinancialcents.com/resources/fundrise-youtube-how-to-invest-1k.php Here’s what you’ll learn in this new video: ▶︎ The top investments I would look at today if I was investing $1,000. ▶︎ How to develop a strategy to pay down your debt before you invest… and why you SHOULD pay down your debt before you invest. ▶︎ What is a “freedom fund” and what power it gives you. ▶︎ How I personally started investing (hint hint: Either a Mutual Fund or ETF) and what I learned from those first investments… Plus, how I lost my butt on a few investments. ▶︎ What is peer-to-peer lending and how does it help you avoid paying tons of fees? (Idea #4) ▶︎ What’s the number one tax-free money investment? ** ROTH IRA ** That’s a big -Z- E- R- O- ⭕️ on taxes that I’m talking about. ▶︎ How one photographer 📸 used his business as a place for his own investment. And how investing into my own online business has created a big return. ▶︎ Why the best investment is YOU! 👈🏽 You can also check out this blog post, 9 Smart Ways to invest $1000: https://www.goodfinancialcents.com/how-to-invest-1000-dollars/ 📍📍📍Be sure to subscribe to get more tips on making more money and building wealth: http://www.youtube.com/subscription_center?add_user=goodfinancialcents ★☆★ 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
Cash Out Refinance - Investing In Real Estate Using Cash Out Refinancing - REIClub.com
 
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http://www.REIClub.com Cash Out Refinancing Has It's Pros and Cons. Here's a Video on How A Cash Out Refinance Works for Real Estate Investors... SUBSCRIBE TO OUR YOUTUBE CHANNEL http://www.youtube.com/subscription_center?add_user=reiclub SUBSCRIBE TO OUR FREE NEWSLETTER https://www.reiclub.com/real-estate-newsletter.php LET’S CONNECT http://www.facebook.com/reiclub http://twitter.com/reiclub https://plus.google.com/+reiclub http://www.pinterest.com/realestateclub/ Hi, this is Frank Chen with REIClub.com, the only site you need as a real estate investor. Today I've got a quick video on cash out refinancing, and using that money to invest in real estate. Cash-out Refinance vs. Home Equity Loan Home Equity Loan - separate loan on top of your first mortgage (2nd mortgage), but keeps existing rates Cash-out Refinance - replaces your first mortgage, at better rates (if possible), borrow more than you owe A cash-out refinance allows a homeowner to access the equity of their home. For example, the home's value is $100,000 and the current loan balance is $50,000. The homeowner would like to have $20,000. The home could be refinanced for $70,000. The old mortgage would take $50,000 of the financed amount to pay it off, and the homeowner would receive the other $20,000. The payment on the new mortgage would be based on current rates and closing costs? Pros - low cost way to borrow money from property you own - get better interest rates and terms - Improves cash flow by securing lower monthly payments only during low rates - Build equity faster - secure shorter loan term or could be longer depending on circumstance - Improve your credit - consolidate debt, pay bills - College tuition - Down payment for an investment property - nets cashflow - Use it on home improvements to increase property value - Tax Benefits - mortgage interest is tax-deductible - Not having to pay two loans like a Home Equity Loan Cons - Fees - hundreds to thousands in closing costs - depends on credit score and equity in property - Sometimes you're paying more on fees than money borrowed - Longer time to pay off your mortgage - extending loan - If property values drop, lose the equity you borrowed on - Harder on you when you sell - AVOID NEGATIVE AMORTIZATION LOANS IF STILL AVAILABLE - LESS LENDERS AVAILABLE TO MAKE THESE LOANS NOWADAYS - HARDER TO QUALIFY NOW - RISING INTEREST RATE ENVIRONMENT NOW Disclaimer: Cash-out refinancing may not be suitable for everyone. It does depend on your current financial situation, and still best to consult with a banker, or mortgage professional to assure that this is an option for you. With any mortgage refinance, it is important to understand the costs involved. Not just your monthly payments, but your terms and interests rates too because that's where they get ya. It's important to avoid serial refinancing your mortgage if at all possible. Because if you're not paying attention, you could land yourself in a negative equity position. That's why a refinance should really only be reserved for times of great need, or in times when rates are simply too good to pass up. Again, this is Frank Chen with REIClub.com. Please take the time to leave your comments for this video below and please subscribe to our YouTube channel so you'll be automatically notified when we upload more quick video tips for you. Take care and good investing. https://www.youtube.com/watch?v=0XZBdmVRCDY "REIClubRealEstateInvesting"
Views: 24164 reiclub
Hard money and commercial lenders of Oregon
 
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http://www.lendinguniverse.com provides services for all your lending needs in Oregon . View Up-to-date videos on lending and money issues in our economy. Commercial Mortgage, Mobile Home, Construction Loan, Notary, Refinancing and best interest rate, bad credit mortgage also at: http://www.labailout.com/ wants you to survive bad credit crisis. For all your residential and commercial loan requirements, simply complete our 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 all the negotiations. Lenders compete- You decide. Best interest rate Rates crdit creditunions credite csccredit redit cedit creditsuisse mycredit creditunion badcredit creditcards get credit score get credit scores no credit bad credit credit creditunions credite creditsuisse creditunion csccredit mycredit redit cedit creditcards bad credit badcredit bank accounts for bad credit buying a home with bad credit 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 loans are available in the following locations: Albany Albuquerque Anaheim Annapolis Arlington Atlanta Augusta Aurora Austin Baltimore Baton Rouge Bismarck Boise City Boston Buffalo Carson City Charleston Charlotte Cheyenne Chicago Cincinnati Cleveland Colorado Springs Columbia Columbus Concord Dallas Denver Des Moines Detroit Dover El Paso Fort Worth Frankfort Fresno Harrisburg Hartford Helena Honolulu Houston Huntington Beach Indianapolis Jackson Jacksonville Jefferson City Juneau Kansas City Lansing Las Vegas Lincoln Little Rock Long Beach Los Angeles Louisville Madison Memphis Mesa Miami Milwaukee Minneapolis Montgomery Montpelier Nashville New Orleans New York Oakland Oklahoma City Olympia Omaha Philadelphia Phoenix Pierre Pittsburgh Portland Providence Raleigh Richmond Riverside Sacramento Saint Louis Saint Paul Salem Salt Lake City San Antonio San Diego San Francisco San Jose Santa Ana Santa Fe Seattle Springfield Tallahassee Tampa Toledo Topeka Trenton Tucson Tulsa Virginia Beach Washington Wichita
Views: 141 Moshon Reuveni
Mortgage loan
 
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http://www.lendinguniverse.com provides services for all your lending needs in Los Angeles. View Up-to-date videos on lending and money issues in our economy. Commercial Mortgage, Mobile Home, Construction Loan, Notary, Refinancing and best interest rate, bad credit mortgage also at: http://www.labailout.com/ wants you to survive bad credit crisis. For all your residential and commercial loan requirements, simply complete our 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 all the negotiations. Lenders compete- You decide. Best interest rate Rates crdit creditunions credite csccredit redit cedit creditsuisse mycredit creditunion badcredit creditcards get credit score get credit scores no credit bad credit credit creditunions credite creditsuisse creditunion csccredit mycredit redit cedit creditcards bad credit badcredit bank accounts for bad credit buying a home with bad credit 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 loans are available in the following locations: Albany Albuquerque Anaheim Annapolis Arlington Atlanta Augusta Aurora Austin Baltimore Baton Rouge Bismarck Boise City Boston Buffalo Carson City Charleston Charlotte Cheyenne Chicago Cincinnati Cleveland Colorado Springs Columbia Columbus Concord Dallas Denver Des Moines Detroit Dover El Paso Fort Worth Frankfort Fresno Harrisburg Hartford Helena Honolulu Houston Huntington Beach Indianapolis Jackson Jacksonville Jefferson City Juneau Kansas City Lansing Las Vegas Lincoln Little Rock Long Beach Los Angeles Louisville Madison Memphis Mesa Miami Milwaukee Minneapolis Montgomery Montpelier Nashville New Orleans New York Oakland Oklahoma City Olympia Omaha Philadelphia Phoenix Pierre Pittsburgh Portland Providence Raleigh Richmond Riverside Sacramento Saint Louis Saint Paul Salem Salt Lake City San Antonio San Diego San Francisco San Jose Santa Ana Santa Fe Seattle Springfield Tallahassee Tampa Toledo Topeka Trenton Tucson Tulsa Virginia Beach Washington Wichita
Views: 286 badcreditmortgage
HARD MONEY LENDERS HOUSTON TIDAL LOANS
 
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HARD MONEY LENDERS HOUSTON TIDAL LOANS PROVIDES HARD MONEY LOANS/ PRIVATE MONEY LOANS IN HOUSTON AND SURROUNDING AREAS. When looking to invest in a new market, knowing that market well is very critical, and that’s how we help our clients the most. We have over 50 years combined experience in this market, and leverage our expertise by serving new and experienced investors. Our Houston hard money loan programs are designed to help real estate investors; acquire distressed properties quickly to rehab and sell for a profit, attain cash out loans, complete wholesale deals, or build properties from the ground up. We have loan programs for every real estate investor: Fix and Flip Loans– Designed for investors who seek to rehab/renovate a fixer upper and sell for a profit. New Construction Loans –Builders and developers utilize this program, they can complete multiple projects without getting capped like they would with conventional lenders. For more details: Houston Premiere Private Hard Money Lender For Real Estate Investors http://www.tidalloans.com http://www.tidalloans.com/hard-money-lenders-houston 832-757-1262 2616 South Loop W Suite 505 Houston, TX 77054 [email protected] best hard money lenders Houston hard money lender Houston hard money lender brokers Houston hard money lender calculator Houston hard money lender definition Houston hard money lender interest rates Houston hard money lender list Houston hard money lender no credit check Houston hard money lender no credit required Houston hard money lender rates Houston hard money lender requirements Houston hard money lenders Houston hard money lenders 100 financing Houston hard money lenders definition Houston hard money lenders directory Houston hard money lenders for real estate Houston hard money lenders for rental properties Houston hard money lenders interest rates Houston hard money lenders list Houston hard money lenders no credit check Houston hard money lenders rates Houston hard money lenders real estate Houston hard money lenders without credit check Houston hard money lending Houston hard money lending blog Houston hard money lending brokers Houston hard money lending calculator Houston hard money lending companies Houston hard money lending company Houston hard money lending expert Houston hard money lending process Houston hard money lending rates Houston hard money lending terms Houston hard money loan lender Houston hard money loan lenders Houston hard money mortgage lenders Houston hard money real estate lenders Houston hard mortgage lenders Houston hardmoney lender Houston hardmoney lenders Houston hardmoney lending Houston how do hard money lenders work Houston how does hard money lending work Houston how to be a hard money lender Houston how to become a hard money lender Houston how to find a hard money lender Houston how to find hard money lenders Houston international hard money lenders Houston list of hard money lenders Houston local hard money lenders Houston national hard money lenders Houston no money down hard money lenders Houston owner occupied hard money lenders Houston real estate hard money lenders Houston real estate hard money lending Houston residential hard money lender Houston residential hard money lenders Houston top hard money lenders Houston find hard money lenders Houston what are hard money lenders Houston what is a hard lender Houston what is a hard money lender Houston what is a hard money lender for real estate Houston find hard money lenders for real estate Houston what is hard money lender Houston what is hard money lending Houston where to find hard money lenders Houston hard cash lender Houston hard cash lenders Houston hard lender Houston hard lender loan Houston hard lenders Houston hard lenders mortgage loan Houston hard lending Houston hard lending definition Houston hard lending loan Houston hard lending money Houston hard loan lender Houston hard loan lenders Houston become a hard money lender Houston hard loan mortgage lenders Houston hard loans lenders Houston become hard money lender Houston becoming a hard money lender Houston hard money lender Houston hard money lenders Houston hard money lenders Houston Texas hard money lenders Houston TX hard money lenders in Houston hard money lenders in Houston TX hard money lenders in Houston Texas hard money lenders in Houston TX hard money lenders Houston Texas hard money lenders Texas Houston hard money lenders Houston Texas list hard money lenders Houston TX hard money lenders Houston TX hard money lending Houston Houston hard money lender Houston hard money lenders residential hard money lenders Houston Texas Houston Texas hard money lenders Houston TX hard money lenders
Views: 19 Tidal Loans
Lending Club Review
 
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Adam Jusko of ProudMoney.com (https://www.ProudMoney.com) offers a review / overview of Lending Club for borrowers and investors/lenders. Want to contact Adam? Email [email protected]
Views: 10632 ProudMoney.com
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: 49 Seo California
Real Estate Investing Terms Part 1 - NOI, Cap Rate & Cash on Cash - Real Estate Investment Tips
 
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For an experienced SF Bay Area real estate agent visit http://iLiveInTheBayArea.com Like me on Facebook: http://fb.com/iLiveInTheBayArea Thumbs up, favorite, share, subscribe and make a comment! One thing that's commonly asked of me from non-commercial agents and investors alike is what all the different terms mean. Net Operating income (NOI), Cap rate, Cash on Cash, Internal Rate of Return (or IRR) and Net Present Value, or NPV. Knowing these terms and how to calculate them is essential to anyone who invests in real estate. This is especially true for new investors. If you're learning or if you're a bit unfamiliar with where to start, be sure to watch me "How to Start Investing" video. I'm going to explain each one of these the same way I explain it to my clients in my two part video. In this video we'll discuss Net Operating Income, Cap Rate and cash on cash. In my "Investing Terms Part 2" video we'll tie in the internal rate of return and net present value. To start off, let's take a look at a make believe commercial investment property. Here we have a property listed at about $2M. To keep numbers simple, let's say after all expenses, but NOT including the mortgage principle and interest, it nets $150k/year. Now this $150k is called the "Net operating income". Net Operating income, or NOI for short, is what you make after accounting for taxes, insurance, vacancy & credit loss, repairs, management (if any), utilities and other miscellaneous costs. Again, this is NOT including a mortgage principle and interest. Now we simply plug it into a formula that I always remember as "IRV". Income over Rate equals Value Income is the NOI we just discussed, which in this case is $150k/year, rate is the Cap Rate, and Value is the price of the property. Now this formula can go multiple ways just like a simple math. If we plug in our Income and our value, but don't know our rate, we simply solve it by dividing by Value Going back to our example, we know our Income, we know we need to divide it by our value and then solve our cap rate. $150,000 divided by $2m is .075, or 7.5% - which is our cap rate. Now, a lot of people get so stuck on the cap rate, they forget that it's not the best way to analyze a property's potential. When you think of a cap rate, think of a photograph or a snapshot. A cap rate is simply a quick snapshot of a property for just ONE YEAR as it stands and WITHOUT any financing. Since I've explained what NOI is and how to find the Cap Rate lets figure out how we determine Cash on Cash. Pretend you don't have the full $2M to buy the property cash, or presume you want to use leverage as discussed in my "Using Leverage Properly" video and instead plan on putting a 35% down payment and getting a loan for the rest. Well, a cap rate is really no longer going to give you an accurate depiction of how much money you're making now is it? Remember, you're not putting $2M in the bank anymore; you're talking about only putting $700k into the bank and obviously you're not going to make $150k/year because now you have a loan to pay for! First, I've listed the potential loan here. It's a 65% loan to value amount, meaning you put down 35% they'll give you 65%. The interest rate is 5.5%, amortized over 30 years. This will give us an Annual Debt Service of $88,575. Annual Debt service is really just a fancy way of saying Mortgage Principle and Interest. We now have $700k invested as our down payment, and that $150k/year is now down to $61,425 after paying the debt service. Solving for cash on cash is a very similar formula as the IRV Cap rate formula. Take the income per year, which is now $61,425 and divide that by the initial investment of $700k which will equal .08775, or 8.775%. We're going to use this same example in my "Investing Terms Part 2" video, so be sure to watch that one next time you have a few minutes. In the meantime, be sure next time you analyze a property you take into account what kind of return it could make with and without leverage. Sometimes it could make all the difference. Sometimes it might convince you that it's just better off to pay cash for the property you're looking at. Regardless of which it is, feel confident knowing you can calculate the difference between both scenarios using the NOI and make an informed decision...now that's good to know. Contact Davide Pio Today | SF Bay Area Real Estate http://iLiveInTheBayArea.com | 510-815-2000
Hard money lenders San Diego
 
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http://www.lendinguniverse.com provides services for all your lending needs in San Diego. View Up-to-date videos on lending and money issues in our economy. Commercial Mortgage, Mobile Home, Construction Loan, Notary, additional websites: http://www.1strealestatedirectory.com/ http://badcreditmortgage-loan.com/ http://www.labailout.com/ http://hardmoneyloop.com/ Refinancing and best interest rate, bad credit mortgage wants you to survive bad credit crisis. For all your residential and commercial loan requirements, simply complete our 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 all the negotiations. Lenders compete- You decide. Best interest rate Rates crdit creditunions credite csccredit redit cedit creditsuisse mycredit creditunion badcredit creditcards get credit score get credit scores no credit bad credit credit creditunions credite creditsuisse creditunion csccredit mycredit redit cedit creditcards bad credit badcredit bank accounts for bad credit buying a home with bad credit 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 loans are available in the following locations: Albany Albuquerque Anaheim Annapolis Arlington Atlanta Augusta Aurora Austin Baltimore Baton Rouge Bismarck Boise City Boston Buffalo Carson City Charleston Charlotte Cheyenne Chicago Cincinnati Cleveland Colorado Springs Columbia Columbus Concord Dallas Denver Des Moines Detroit Dover El Paso Fort Worth Frankfort Fresno Harrisburg Hartford Helena Honolulu Houston Huntington Beach Indianapolis Jackson Jacksonville Jefferson City Juneau Kansas City Lansing Las Vegas Lincoln Little Rock Long Beach Los Angeles Louisville Madison Memphis Mesa Miami Milwaukee Minneapolis Montgomery Montpelier Nashville New Orleans New York Oakland Oklahoma City Olympia Omaha Philadelphia Phoenix Pierre Pittsburgh Portland Providence Raleigh Richmond Riverside Sacramento Saint Louis Saint Paul Salem Salt Lake City San Antonio San Diego San Francisco San Jose Santa Ana Santa Fe Seattle Springfield Tallahassee Tampa Toledo Topeka Trenton Tucson Tulsa Virginia Beach Washington Wichita
Views: 113 badcreditmortgage
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
Podcast 119 Hard Money Loans for Fix and Flips with Ben Shaevitz
 
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I have gotten two hard money loans in my 16 year career as a real estate investor. Both of those loans I obtained this year from Ben Shaevitz with Patch of Land. I shy away from hard money loans because of the high rates, hoops you must jump through, and length of time it can take to get the loan. However, I worked with Patch of Land because they were able to eliminate many of those difficulties. The thing that really helped me out was they did not require a full appraisal to get the loan completed. Not only did they lend to me without an appraisal, they were able to complete one loan in less than a week, which helped me get a deal I may not have been able to get otherwise. On this episode of the InvestFourMore Real Estate Podcast I talk with Ben about Patch of Land, how how he got started in the business, and why I decided to finally use hard money. Why did I decide to use a hard money loan over other financing? I have never used hard money before this year. I have a number of financing options including local banks, private money, and my own money. The rates on my fix and flip loans from local banks are under 5 percent, but I have to put 20 percent down and pay for all the repairs out of my pocket. I love private money because it involves sending a text to my buddy that asks if he wants to loan on a certain house, and he usually responds yes in about 10 minutes. Private money is more expensive in the 10 percent range. In the past hard money loans had even higher interest rates, but they have come down significantly. I have gotten two hard money loans with rates under 9 percent and with less than three points. Even with rates getting lower on hard money, almost all hard money lenders require a full appraisal to be down before they will lend on a house. In Colorado it was taking up to three weeks to get an appraisal, and most deals I get need to close in three weeks or less. I ended up meeting Ben Shaevitz at a real estate conference, and became very interested when he mention they would do hard money loans without an appraisal! I did one loan with him earlier this year on a wholesaler deal I found. I did another loan with him on a deal last month when I had to close in five days. I had a seller who had listed their home on the MLS, I made an offer, but the seller decided to take the home off the market. A week later, the seller's agent called me and said they wanted to sell the home again, but needed to close in 5 days! I emailed Ben on a Sunday asking if he could close the deal by Friday, and he said yes. I was a bit skeptical, but they got it done. How does Patch of Land hard money work? Patch of Land has been in business since 2013, and Ben started working with them in 2015. Ben had been a conventional lender for many years, and done very well, but he was looking for a change. Ben helped Patch of Land grow to the point where they did 170 million dollars in loans in 2016. They focus on lending to fix and flippers, but also have bridge loans for rental properties and other projects. Here are some of the basics on their hard money lending: Rates vary from 8 to 11 percent based on experience and the deal. On loans that are less than $250,000 they do not have to do a full appraisal. They lend on 85 percent of the purchase price and up to 100 percent on the repairs. They lend in 46 states. They will lend to investors with no flipping experience. As I mentioned before the two things that really attracted me to Patch of Land was they do not require an appraisal and their rates are very competitive. It also helped that Ben and I both graduated from The University of Colorado the same year, and even were at the same dorm at that same time (we did not know each other)! How can you contact Patch of Land? Ben is very easy to get a hold of and very responsive (I can confirm that when he responded to me on a Sunday)! You can call Patch of Land at 888 605 6326 or check them out here: Patch of Land. They can help with many types of financing on many types of projects.   EPISODE 119    [INTRODUCTION]    [0:00:13.9] MF: Welcome to the Invest Four More Real Estate Podcast. My name is Mark Ferguson and I am your host. I am a house flipper. I flip 10 to 15 houses a year, I own 13 rental properties, with a goal to buy 100 by 2023. I’m also a real estate agent. I’ve been licensed since ’01, I run a team of nine and we sell close to 200 houses a year.     So on this show, we like to interview house flippers, landlords and the best real estate agents in the business. So stay tuned for some great shows, if you want more information on my rentals, on the numbers, how I buy properties, check out investfourmore.com.    [INTERVIEW]    [0:00:58.0] MF: Hey everyone, it’s Mark Ferguson with Invest Four More and welcome to another episode of the Invest Four...