This document summarizes a real estate seminar for international students and first-time home buyers. It discusses trends in the Nanaimo real estate market such as rising home prices. It also covers topics like the pros and cons of renting versus buying, mortgage eligibility requirements, financing options, and considerations for international students regarding owning property while studying abroad or after graduating. Sample homes for different price points are presented along with information on refinancing and using a mortgage calculator.
When the economy fell apart, this slide show explained the basic economic principles at work and offered up some terms that were appearing in the paper at the time.
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
When the economy fell apart, this slide show explained the basic economic principles at work and offered up some terms that were appearing in the paper at the time.
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
Real Estate Investing: The Key To Long Term WealthTeam Nickerson
You will lean why real estate is such a great investment vehicle, why you want to invest in real estate for the long term, how to analyze a property, how to chose where to invest based on economic fundamentals, and how to be a successful investor.
This short presentation is an introduction to bridge lending products for real estate investors (e.g., fix and flip, short-term rental financing). I gave the presentation to Vanguard.
This slidecast presentation examines data from the Consumer Expenditure Survey to determine the types of expenditures that home owners with a mortgage incur related to their housing situation, when compared with renter households. The results suggest a number of hidden expenditures that should give new home buyers pause when contemplating such an important decision. The costs are even more pronounced for low- and moderate-income populations entering home ownership. [Note: CEX data on slide 12 is quarterly, not monthly]
Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US
Choosing between "Annuities"...?
I wish to select the better of two 10-year annuities C and D. Annuity C $25,500 per year for 10 years, earning an 8% annual return. Annuity D $2200 per year for 10 years earning an 11% annual return.
Which annuity should I select and why ?
South County Habitat for Humanity builds safe, decent, affordable housing in partnership with people in need in Washington County, Rhode Island. This is a powerpoint presentation created to educate potential homeowners about homewonership opportunities with SCHH.
Atlanta and Baltimore PBS real estate investment PowerpointJoe Pryor
This is the educational presentation I made at two PBS stations to local real estate investors who bought an educational package during a contribution week.
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
Real Estate Investing: The Key To Long Term WealthTeam Nickerson
You will lean why real estate is such a great investment vehicle, why you want to invest in real estate for the long term, how to analyze a property, how to chose where to invest based on economic fundamentals, and how to be a successful investor.
This short presentation is an introduction to bridge lending products for real estate investors (e.g., fix and flip, short-term rental financing). I gave the presentation to Vanguard.
This slidecast presentation examines data from the Consumer Expenditure Survey to determine the types of expenditures that home owners with a mortgage incur related to their housing situation, when compared with renter households. The results suggest a number of hidden expenditures that should give new home buyers pause when contemplating such an important decision. The costs are even more pronounced for low- and moderate-income populations entering home ownership. [Note: CEX data on slide 12 is quarterly, not monthly]
Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US
Choosing between "Annuities"...?
I wish to select the better of two 10-year annuities C and D. Annuity C $25,500 per year for 10 years, earning an 8% annual return. Annuity D $2200 per year for 10 years earning an 11% annual return.
Which annuity should I select and why ?
South County Habitat for Humanity builds safe, decent, affordable housing in partnership with people in need in Washington County, Rhode Island. This is a powerpoint presentation created to educate potential homeowners about homewonership opportunities with SCHH.
Atlanta and Baltimore PBS real estate investment PowerpointJoe Pryor
This is the educational presentation I made at two PBS stations to local real estate investors who bought an educational package during a contribution week.
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
You can find the Social Media Proposal for Real Estate . We are leading digital marketing agency and provides you best Digital services at very affordable price.
Misconceptions About the Lancaster County Real Estate MarketTom Blefko
Sales meeting presentation from the North Pointe Office of Berkshire Hathaway HomeServices Homesale Realty in Lancaster, PA covering the following topics: 1. QuickBuy updates, 2. Tax implications for real estate professionals in 2022, 3. Agent Plus+ contest, 4. Berkshire Hathaway HomeServices 2022 marketing campaign, 5. Misconception About the Lancaster County Residential Real Estate Market.
Presentation given to JACE Real Estate Realtors. Discuss types of mortgage lenders. Recognize categories of mortgage products. Identify potential red flags on a purchase & sale agreement.
How To Perform In The Brisbane Market By Not Buying Brisbane CBDReal Estate Investar
Please join us for this brand new webinar as we discuss how you can benefit from investing in the growing Brisbane market while avoiding the risks from over-development and over-supply in cities like Brisbane CBD.
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
A market update discussing affordability, average home prices, and mortgage availability for Santa Clara County and beyond. The Veridian Realty Group focuses on achieving success with both home sellers and home buyers in this dynamic real estate market. Keep up with local market news by subscribing to our newsletter at VeridianRealtyGroup.com or on the blog www.TalkToCJ.com
Dan Keller Mortgage Planning Concierge Meeting 2019Dan Keller
http://www.mymortgageguydan.com/apply . Every client deserves the best I have to offer and that not only involves a great mortgage experience, but additional information that will help them create wealth through the wisdom I've gathered along with the network of professionals I know.
It all begins with that first property. So what do you need to know before you begin your real estate investment journey? This presentation will give you all the basics of how to successfully buy your first investment property. During this in-depth workshop you will learn The 5 Steps to Owning Investment Real Estate:
1. Goal setting
2. Financing
3. Due Diligence
4. Property Management
5. The Closing Process
We will also teach you:
- How to Obtain the Best Financing for Investors
- Property Management In’s and Out’s
- Which Markets in the Country to Invest
- How to Analyze the Financials (Actual Deals)
- How to Eliminate as Much Risk as Possible
- Tax Benefits of Owning Investment Property
Our company has helped over 50,000 invest in real estate since 1979 and you can do it too. By joining us for this presentation, you will have the opportunity to get connected to a real estate advisor who can walk you through all the steps afterwards for absolutely no cost.
Note Investing 401 with Eddie Speed from NoteSchoolNoteSchool
In this powerpoint, Eddie Speed takes you through Note Investing 401. Take a look and let us know if you have any questions!
http://noteschool.com
http://facebook.com/noteschool
3. Table of Content
Market Trends &
Overview
Finance & Mortgage
International students
& First time buyers
4. I am happy with renting..
Pros & Cons of Renting
Advantages of Renting Disadvantages of Renting
More flexibility
Normal repairs and maintenance
costs are your landlord's
responsibility
No big financial responsibilities
Unable to renovate or
make changes
Dealing with different
landlords
The money spent on
renting called “Dead
money”
5. Market Trends
What drives Real Estate Market on Vancouver Island?
Baby boomers moving to BC for retirement
Affordability for ocean front houses / condos
Canadian dollar depreciation attracts tourists from US
Oil crisis in Alberta
Foreign investors
12. What I can buy for $104,000?
2578 HIGHLAND BLVD
13. What I can buy for $199,900?
2560 DEPARTURE BAY ROAD
14. Consideration to take into account
What I do not know about buying the property?
Down payment
Strata Fee
Taxes
Lawyer
Realtor
Property Transfer Tax
Insurance
Inspection
15. Mortgage and Finance
Mortgage Eligibility
International students (no income)
1.Down – payment: 35% of the property value
2. Income: parents income qualified
16. Local / International Students (with income)
1. Down Payment: 5% of the property value
2. Total Debt to Service Ratio of 40%
All Liabilities/ Gross Income = 0.4
* Parents can be co-borrowers / co- signers
17. New Regulations
If the price of the property is below $500,000 - minimum down payment
required is 5%.
If the price of the property above $ 500,000 - minimum down payment
required is 5% on the $500,000 and 10% on the rest.
Example: Value of property $ 600,000 then:
500,000 * 0.05 = 25,000
+
100,000 * 0.1 = 10,000
Total: $ 35,000
18. Mortgage and Finance
Mortgage Rates: Fixed and Variable
Term Fixed Variable
1 YR 2.09 % 3.99 %
2 YR 2.14 %
3 YR 2.14 % 2.14 %
4 YR 2.39 %
5 YR 2.34 % 2.1 %
19. Mortgage and Finance
What is Refinance?
Can I pay mortgage earlier?
Do I have penalty?
Can I take a mortgage for the renovation?
Mortgage Refinancing
20. Mortgage and Finance
The application process
What documentation I have to provide to apply for the
mortgage?
Why I am eligible for a mortgage but not for a loan?
22. International Students
What to do with the property after I move
from Vancouver Island?
• What is my ROI?
• What does it mean to be a
seller?
Sell
• What income can be
generated?
• Additional expenses?
Lease