Investment property loans – Rental Property investment information

Author: admin / Category: buy property, conveyancer, estate agency, estate agent, Estate Agents for properties, for sale, for sale, free information, home buyers, house, house sales, how to sell your home, land, listing, mls, mortgage bond, properties for sale, property for sale, property sales, property wanted, Real estate, realtor, rentals, rentalsEstate Agents for properties, renting property, sell property, selling property

If you think that buying a property rental and rent collection and you are right you just all wrong. If you know this from the standpoint that there is a way to generate additional revenue, then you see everything, because in addition to income from the main tenant, it is also possible to control housing prices, which have now to take advantage of some years.

Investment property loans

There are disadvantages, an owner of a property for rent. As a landlord is much morejust collect the rent the first of each month. In fact the real work is involved with high financial risks. Here are some things to take into account the property before investing in a tenancy agreement. Each rental property is different from all the main residence, rental property is a real financial investment. Purchasing a home loan has an emotional aspect, as if it is a financial investment to do more.

Investment property loans

Youare an “investor”, not only the owner of a property. This means you pay to change your way of thinking and looking at this property in relation to the profit and loss, risk e. There are two main factors, the investment will make or break in this manner, namely: 1) Cash flow – must be taken into consideration for months, how much rent you can collect all of these properties and then what is left after the mortgage payment, maintenance costsand miscellaneous expenses, 2) recognition – recognition can rent the entire property not claimed by owners of their profitable investments in.

A lease is really a business and subject to the basics of supply and demand like any other business. Therefore, you should have no problems when your rental properties are scarce as your rent. It ‘true that the worst enemy your job if you try to generate a positive cash flowfrom the rental. Real estate job creation flow, not only without income, but also cost money. Before investing in real estate, rental, you should protect yourself from an evaluation of the lease.

Check the frequency of rental listings in the local newspaper and talk to all real estate agents and operators of properties in an area. Similar properties rent districts near schools or universities have a greater demand forHiring other. If you own a commercial property lease you are, you’re not just an investor

Article Source:

Acquiring Investment Property Financing

Author: admin / Category: buy property, conveyancer, estate agency, estate agent, Estate Agents for properties, for sale, for sale, free information, home buyers, house, house sales, how to sell your home, land, listing, mls, mortgage bond, properties for sale, property for sale, property sales, property wanted, Real estate, realtor, rentals, rentalsEstate Agents for properties, renting property, sell property, selling property

When a person buys a real estate property it is mainly used for residential or commercial purposes. Some people especially those who are dealing with real estate business are not after owning a personal residence but would want to have it as an investment property to generate profit. Some may have extra funds to spend but not all investors have enough money to support this type of business. This is when investment property financing comes in and this is always considered in order to secure a property.


This investment property financing is in the form of loan and some investors borrow from their family and friends but nowadays, there are other options like mortgage brokers, banks and other lending company. The purchase of residential properties with one to four units is the most common loan program for investment property. Those properties with more than five units are already considered a commercial property by lenders. As soon as you acquired the money you need to buy the property, you can look for single family homes, condominiums or apartment buildings, IRS properties, foreclosed homes and HUD properties, which you can use to flip or make profit out of rental income.


Investment property financing is going to be a big help in buying these properties that will give you the highest return on your investment.  Personal credit score history won’t really allow you to get as much loan but if you can establish a good “business” credit score, an investment plan and a collateral in some cases so that it will be easier for you to get a loan to invest in a commercial property.


However, not all lenders offer investment property financing. They offer financing mostly to those who are going to use the property as a personal residence so in order to obtain this investment property financing, you will need to seek those lenders that have programs for investment property loan. There are credit unions, commercial banks and other lenders that offer real estate lending for business purposes.


Do you know why it is hard to get a business loan to obtain an investment property financing compared to the conventional loan? Because it is considered a high risk loan and investors can just walk away from it if value of the property drops below the amount of loan. So you should expect that banks would charge a higher interest rates and shorter repayment periods. This can eat your profit with their high lending fees and interest rates, so it is important for you to find the right lender.


Check the background of the property, make some necessary research to identify if the location can bring you a a good profit. Assess your options carefully when you are trying to obtain financing, plan on how to get a a higher return on investment and enough income to repay your loan in time.


Article Source:

What Is A Property Inventory And Is It Difficult To Create One?

Author: Property Guru / Category: rentals

A property inventory is a complete list of things that are in a property. Most often a property inventory is accompanied by a schedule of condition which elaborates on the state of the things that are listed and also the condition of the property itself. For example, a property inventory will provide you details on the contents of the property such as the various furnishings that are in it and also if they are in good or poor condition. It will also provide information on the building itself for example, how many rooms there are, the state of the windows, drains and walls. In fact a property inventory can be as comprehensive as neededto cover everything that can be considered important to a property owner.

Once completed an inventory will give a property owner a snapshot of the property state and contents on the day it is taken as a record for future reference. Most people who take property inventories are landlords and letting agents. The property inventory is the document from which a tenant and landlord use to ensure that the property is given back to the landlord in a similar condition at the termination of the tenancy. Any changes and deterioration at the end of the tenancy will be highlighted using the original inventory and enables fair compensation to be settled between the landlord and tenant for the damage caused at the tenancy end.

Producing a property inventory is not difficult but does involve attention to detail and takes a lot of time. Landlords can produce property inventories themselves but landlords that are busy or have large property portfolios often give] this time consuming task to specialist inventory companies or inventory clerks to perform this job.

When a property inventory is being done the exterior of the property and its state is documented. General notes such as the type and state of the roof, gutters and brickwork will be documented. Any junk at the property land will also be written down. Photographs will be taken to support any written paragraphs of property description and condition.

Once the exterior has been completed, the next step is to go inside the property and systematically survey the property room by room including bedrooms, hallways, reception rooms, kitchen, dining rooms, bathrooms and toilets. For each room, appropriate information about the walls, ceilings, floors, windows, lights and electrical points will be recorded. The room contents such as the presence of furniture and their number, description and condition will also be recorded. Good property inventories will contain a number of photos of each room and its contents to make visual evaluations possible.

A finished inventory will be signed by the tenant and the landlord or another independent party as confirmation of the accuracy of the inventory at the beginning of the tenancy agreement. At the end of the tenancy this inventory is used to compare the property between the beginning of the tenancy and the tenancy end so that liability for any damage or changes can be assigned and fair compensation to be arranged between the landlord and tenant.

Real Estate and the AMT: Rental or Investment Property

Author: admin / Category: buy property, conveyancer, estate agency, estate agent, Estate Agents for properties, for sale, for sale, free information, home buyers, house, house sales, how to sell your home, land, listing, mls, mortgage bond, properties for sale, property for sale, property sales, property wanted, Real estate, realtor, rentals, rentalsEstate Agents for properties, renting property, sell property, selling property

The Alternative Minimum Tax is a very important consideration for taxpayers who own real estate because just about every tax rule applying to real estate is different for the AMT than it is for the Regular Tax.  This article on Real Estate and the AMT will address those situations where the individual holds the real estate as an investment, typically as rental property.  The differences in tax treatment between the Regular Tax and the AMT can be significant.



Interest expense


Interest paid on the mortgage taken out to acquire the property is fully deductible, both for the Regular Tax and the Alternative Minimum Tax.  Unlike itemized deductions that allow a tax benefit for what amounts to personal expenses, the tax law generally allows all deductions a taxpayer has to make in the pursuit of business income. Thus, the limitations discussed in the previous article on home mortgage interest do not apply.


If, however, the equity in the rental property is used as security for an additional loan – a second mortgage, for example – then the taxpayer must look to how the proceeds of that loan are used to determine interest deductibility.  If the proceeds are used for a car loan or to finance a child’s education, for example, then the interest is nondeductible personal interest.  If the proceeds are used to improve the rental property, the interest is deductible.


Suggestion – it is best that taxpayers keep personal borrowings separate from business borrowings.  Mixing the two creates recordkeeping challenges and can result in disputes with the IRS.


Property taxes


Property taxes paid on rental or investment property are allowed in full both for Regular Tax purposes as well as for the Alternative Minimum Tax.


Planning idea – if you have an opportunity to pay your property tax bill either this year or next, pay it in a year when you have enough income from the property so as not to generate a rental loss.  This strategy can help avoid triggering the passive activity loss limitations described below.


Example – in Florida property tax bills are mailed in October, and are payable under the following discount schedule: November – 4%, December – 3%, January – 2%, February – 1%.  If you have a loss from the property in 2010 but expect to generate income in 2011, do not pay your bill in November or December – forgoing that small discount could help you avoid the loss-limitation rules.




Depreciation is allowed for property held for investment.  The portion of the cost allocable to land is not depreciable, but for the building itself and the furniture, appliances, carpeting, etc. a depreciation deduction may be taken.


Real property (this is the legal definition of the house or other building) held for rental/investment may only be depreciated for Regular Tax purposes under the “straight-line” method, over a useful life of 27.5 years.  Thus, a property with $275,000 allocated to the building would be depreciated at the rate of $10,000 per year.


Personal property (this is the legal definition of things such as furniture, appliances, carpeting and the like) may be depreciated for Regular Tax purposes under an “accelerated” method over a useful life of five years.  An accelerated method allows a larger depreciation deduction in the early years, in recognition of an obsolescence or decline-in-value factor that you see in new property (cars are a good example).


For purposes of the AMT, however, personal property may be depreciated only by using a straight-line method.  Thus, an AMT item will be generated in the early years if the accelerated method is used.


Planning idea – for personal property consider electing the straight-line method for Regular Tax purposes.  While giving up a little tax benefit from the greater depreciation in the early years, it could mean avoiding paying the AMT.


Active/passive investment rules and the “at-risk” rules


A taxpayer who is not “active” in managing investment property may not use losses from rental property to offset other income such as salaries and wages, dividends, interest, capital gains, etc.  Instead, these losses are deferred until the taxpayer either sells the property or generates passive income from this or other passive investment sources.


The at-risk rules similarly deny using these types of losses to the extent the taxpayer has acquired the investment with borrowed money and does not have personal liability on the debt.


Planning idea


If these loss limitations apply, consider the planning ideas mentioned above to minimize the losses being generated each year.  They are not doing you any good anyway.


Sale of the property


Several different AMT issues can arise on the sale of rental/investment property.  One is that your gain or loss may be different for the AMT than it is for Regular Tax purposes.  This would be caused if different depreciation methods were used.  For example, if the personal property was depreciated using an accelerated method for Regular Tax purposes, then the basis in that property when calculating gain or loss on sale would be different because the straight-line method had to be used for Alternative Minimum Tax purposes.


Gain on the sale of investment property generally is capital gain, although a portion may be treated as ordinary income depending on the accelerated depreciation method was used.  Capital gains in and of themselves are not an AMT item, but nonetheless they can result in AMT being paid.  This is because the AMT exemption amount is phased out for taxpayers at certain income levels, so this additional income can have the result of reducing the exemption which in turn increases taxable income for purposes of the Alternative Minimum Tax.


Article Source:

Buying Investment Properties – Buyers Market

Author: admin / Category: buy property, conveyancer, estate agency, estate agent, Estate Agents for properties, for sale, for sale, free information, home buyers, house, house sales, how to sell your home, land, listing, mls, mortgage bond, properties for sale, property for sale, property sales, property wanted, Real estate, realtor, rentals, rentalsEstate Agents for properties, renting property, sell property, selling property

People who want to invest in property are finding that with today’s low housing prices, they can cash in on the savings while producing some long term profits. The recession, along with a depressed housing market, has created a buyers market on investment properties. People who have the assets for buying investment properties could see some substantial profits in this market. Although, new investors will need to research ways to avoid the dangers and risks that that can cost them if not avoided. Do you want to invest in buy to let property that will pay for itself? Are you considering an investment that will net you some income from house property? Then you will find the following information very useful.

Successful investments

Where the property is located either means you lose money or you make a profit. Over time a property will increase in value and the location of the property will directly affect it. Appreciation of property that is located in bad neighborhoods or near busy highways will not increase in value as quickly. Successful investments might include locations near good schools, and public amenities such as bus lines or libraries. While you may have to spend more money on the property, it will be a better investment in the long run.

Calculate the investment

The new investor will have to calculate how much they are going to invest in the property.The consideration of mortgage payments will have to be weighed against what the market will bear for rent. If you are going to rent the property out on a monthly basis, then the rent that you determine needs to cover as much of the mortgage as possible in the beginning until the property appreciates in value and creates wealth. After a while you will have to also factor in maintenance cost into the amount of rent you receive. In order to receive a profit, most successful investors will tell you that you need to charge 125% of the mortgage payment as rent.

Closing the mortgage

A competent real estate agent, an attorney and a lender will be needed when you have decided to purchase a property. Everyone that you work with needs to come with recommendations and the necessary credentials that they need.You may be required to report your income to states that have “buy to let” laws. The attorney that you use will need to be familiar with the state laws that govern the contract that you sign.

Necessary repairs

If you only use licensed, bonded, and insured contractors for any needed renovations, you will save money in the long run.It is a good idea to get guarantees from reputable contractors in case the work needs to redone Unless you manage the property yourself, a property manager will need to be hired to collect the rent and make arrangements for any needed repairs.

Buying investment properties are a lucrative business in a down economy and an opportunity for those that have money to invest. By renting the properties out, buy to let properties allow the owner to pay the mortgage as the property increases in value. More importantly, the income from house property can eventually pay the mortgage and provide a sizable profit margin.

Article Source:

Buying Property In Kefalonia? Educate Yourself About The Island’s Animals

Author: Property Guru / Category: buy property

If you’re thinking about buying property in Kefalonia , you have much to take into account. Instead of letting the small details get in your way, go ahead and take time to travel around on this island? The island of Kefalonia is filled with various kinds of landscapes, the scope entails everything from perfect white beaches to cool, lush forestlands. On the many forms of landscape, plenty of plant life and wildlife live and breathe, some unique to the island. Of particular interest are the Mediterranean monk seal, the Loggerhead turtle, and a remarkable and unexpected population of wild horses. Here’s a brief overview of these indigenous Kefalonian creatures.

Buying Property in Kefalonia? Information on the Mediterranean Monk Seal

This is a rare class of seals and is amongst the six very endangered mammals worldwide. This monk seal is the only class of seal that exists in the Mediterranean area and no where else. Unhappily, there are only around 500 of these animals in the world now and half of these are living in the waters of Greece. A full size monk seal will weigh roughly 300kg and will measure around 2.5m long. Coloured grey or brown, these animals are about 1m long and weigh about 15kg. Studies have revealed that monk seals can thrive for up to 40 years. September to November is their breeding time. Sadly, unless measures are taken quickly, the endangered monk seal is likely to become extinct in the Mediterranean region.

Buying Property in Kefalonia? Information on the Loggerhead Turtle

The only turtle nesting in Greece is the loggerhead turtle. Identified by its distinct red-brown shell and large head, this animal can reach a metre in length, and weigh over 100kg. The turtle’s eggs are laid at night, about four times per season; the egg count is about 100. Around the area of Mounda Beach on Kefalonia, people say there are approximately 80 female loggerhead turtles. The beach has a gentle incline that makes it easy for the turtles to survey the terrain before emerging from the water to lay their eggs. In addition, the area is relatively undeveloped along the beach’s 2.8km length. If you’re buying property in Kefalonia on or close to a beach, you will undoubtedly notice some of these amazing animals.

Buying Property in Kefalonia? Discover Facts Regarding the Wild Horses of the Island

The wild horses in Kefalonia are believed to have come from domesticated horses left out in the wild. In the past 100 years, only one or two herds of wild horses have been spotted on the island of Kefalonia near the monastery of Zoodochos Pighi near the village known as Arginia. The wild horses flourish in this uncultivated, rocky landscape that is full of original pine woodlands, and also deep ravines and gullies. Although descended from a known equine species, these animals, because of their isolation and harsh living conditions, are regarded by many as a distinct Kefalonian breed. Legend holds they are direct descendants of the horses of Alexander the Great

If you are buying property in Kefalonia , the island’s gentle wildlife will be one thing that will appeal to you.

How to Buy a Rental or Investment Property

Author: admin / Category: buy property, conveyancer, estate agency, estate agent, Estate Agents for properties, for sale, for sale, free information, home buyers, house, house sales, how to sell your home, land, listing, mls, mortgage bond, properties for sale, property for sale, property sales, property wanted, Real estate, realtor, rentals, rentalsEstate Agents for properties, renting property, sell property, selling property

Growing needs and increasing prices often lead to our looking towards other avenues for creating income. One of the more popular modes of making money, which incidentally is also lucrative, is investing and renting out investment property. There are several factors that need to be considered when you buy a rental or investment property, in order to ensure that your purchase is profitable.


Firstly, the location where you want to invest in real estate is very important. It is essential that you understand your financial situation as well as property requirements before searching for an ideal location or property. However, once that is decided, it is important that you invest your hard earned money in a location, which is not only conducive to renters but also boasts of a good rental rate. Always bear in mind that the ultimate cash flow will depend on a variety of factors, including the cost of the property. Therefore, making the lowest quote is the best way to ensure high gains, right from the beginning.


Studying the market, either on your own or through a good realtor, before investing in property is always a logical step. This gives you a chance to understand the buyer’s as well as the renter’s market, allowing you to get maximum benefit from your investment property. Additionally, it is important to understand the kind of property you want to buy or invest in, whether a single family unit, a multifamily unit or a vacation home and the like. Cost of ownership as well as maintenance will depend on the type of unit you want to purchase as also the area in which you want to purchase and should therefore be considered before investing.


Approaching a bank or financier in advance before investing in any property and getting your mortgage approved in principle will help you in making your investment. Further, it will also allow you to appreciate the rental situation in the area, as this would be the main form of income from your investment property. Always choose a property that is close to various amenities and facilities, which makes it attractive to renters. Additionally, if you can find a property in the educational or business area, then it is definitely an icing on the cake and will fetch good revenue.


Inspection of property by a good appraiser is important before final settlement as to cost. Further, it will also help to understand the changes or repairs, if any, that are required to be made on the property, to make it suitable for rent. Researching into the occupancy and vacancy records of the building in question is also important as it will help you decide whether or not to buy the property in question.


Finally, when you see something you like, never hesitate to make an offer. Most prices are negotiable and if you do not make an offer, you will never know whether you will get it or not. Therefore, never hesitate and state your terms of purchase clearly. Once the deal is final in principle, make it legal by ensuring that your attorney draws up the necessary papers. It is important to ensure that your investment property is free of all kinds of liabilities, which can be easily done with the help of a legal attorney.

Article Source:


Author: Property Guru / Category: buy property

While Property can be a very lucrative and successful Investment, it is not without its risks. It is becoming increasingly popular these days, especially after the economic recession and stock market investing still being relatively risky. Creating a successful property investment portfolio will always require a good knowledge of the property market, the location, and the current economic climate, so you should always find out as much as you can before buying a property. There are also a variety of property investment options, so it is worthwhile to consider some property investment tips before you start looking for the perfect investment property.

1. Research the property market
The first essential step you should take before choosing a property for your investment, is to do your research. Join a property club, sign up for a seminar, or just simply read as much about the basics of property investment as you can. This will enable you to identify lucrative opportunities and deals that are bound to be unsuccessful. You will have to find out as much as you can about the financial factors of a property investment and about basic property investment strategies. You will also need to be informed about current economic trends, to be able to make informed choices, and research popular or emerging property locations.

2. Set out your aims and survey your financial resources
While searching for potential investment properties, you should also clearly set out your aims, profit expectations and also survey your financial resources. Firstly, the type of property investment will indeed greatly depend on the initial amount you can invest. If you can afford to buy an expensive property you can naturally expect larger profits, but you can definitely make good returns on a smaller budget as well. You will also have to decide if you are looking for a short term or a long term investment, which will be dependant on your chosen investment property and exit strategy.

3. Decide what kind of investment property you are looking for
The process of choosing an investment property can seem daunting to the inexperienced investor. The two main property types are residential and commercial properties. While residential properties can offer more flexible investment options, commercial properties need a larger initial investment but can lead to higher yields. Buying an overseas property is another option, which means that risks can potentially be higher, but you have more flexibility and a better chance of securing higher profits. BMV properties, or below market value properties are also popular, as they enable investors to get high returns from a small initial investment. A buy to let property is a long term and relatively safe investment, where your main source of income is the rent paid by your tenants. Always consider the advantages and disadvantages of all these property types and your desired outcome before making a final choice.

4. Don’t forget the location
Location is possibly the single most important factor when it comes to property investments. A bad location will almost invariably lead to failure, while a good location is the basis of success. Economic stability, good living standards, and economic developments are always positive signs. If you are investing in a buy to let property, it is also essential to buy the property in a good neighbourhood, with many local amenities, otherwise it won’t be an attractive property for potential tenants. It is also worthwhile to research emerging markets, where property prices are still low, but new investments are bound to lead to future property appreciation.

Shortcut to important recommendations in the sphere of Free Backlinks – please go through this publication. The times have come when concise info is really within your reach, use this possibility.

VIP Kiev Apartments For Rent

Author: Property Guru / Category: Real estate

If you are planning to stay in Kiev this year, then I am sure you are looking for the apartments to stay. You have come to the right place, in this unique article you will find information about Kiev apartments and what is even more important – VIP Kiev apartments. It will take only about 4 minutes, so relax and read.

I must admit that no matter for what reason you are planning to visit Kiev, you will be satisfied with great people in this city and outstanding nature. Kiev is really green city with many places for you to visit. And if you are looking for the apartments in Kiev then it is better for you to chose VIP apartments. The reason is simple – really great service and prices are low.

Kiev VIP apartments are really cheap and professional service will make you feel like home, while living in your Kiev VIP apartments. TV, sauna and a jacuzzi will help you to relax, of course there is also DVD player and many of other great features. The price for such apartments usually varies from $800 up to $ 1500 per night.

Kiev is the capital of Ukraine and you will see how friendly people are in Kiev. Staying in VIP apartments means lots of good impressions. Because of great nature of Kiev, you will have a great view from the window of your room. As I have already said, people in Kiev are really friendly and there will be no problems with any help you may need in this city.

Kiev VIP apartments were created really for the VIP persons and it doesn’t matter if you are not really rich. They are really cheap but very comfortable. Believe me, you will never forget the time that you have spent in Kiev apartments.

Kiev apartments – professional accommodation in Kiev. Apartments for every budget, for short or long term. We are helping people to get Kiev apartments for rent since 2004. More information about apartment for rent Kiev Ukraine on our web site.

Wireless Home Security Systems Are Pretty Beneficial Ones

Author: Property Guru / Category: home buyers

It is absolutely true fact that residential and office security home protection system firms recognize that your real estate is probably the most essential and costlier asset you own and that the security of your family and personal belongings is your prime concern. In these quite devastating times, more and more home and business owners are taking steps to safeguard their properties, costly issues and family from burglaries and intrusions. Fortunately some relevant security generally consists of installing a wireless security home protection system with added professional monitoring service. In fact, most recent researches indicate that residences which have a security alarm installed are less exposed to break-ins comparing to those that are not safeguarded by a security system.

In the event you want to make your home or a business securer with brinks home security, you may be sure that you depend on the best house security systems that will perfectly meet your needs and work within your financial capacities. In fact, having some security system installed is financially beneficial. You are certain to save up to 20% of your deductibles yearly if you have a security system installed to your house or residence.

The best house security strategy which ensures relevant protection for your property and loved ones involves installing professional type wireless security gadgets that are monitored by monitoring service centers twenty-four hours per day and seven days a week.

It is worth mentioning that the most cost-effective and effective business or home security systems offered these days are of wireless type. In addition, they are generally more reliable and state-of-the-art than the outdated security home protection technology, it is doubtless that wireless residential alarm systems are the most widely used just because of the some obvious advantages they provide people with. In general they are much inexpensive and simpler to be installed and maintained.

Keep in your mind that installing some of wireless brinks home security systems no longer entails ripping into the walls of your residence to run wires and cables like the outmoded hard-wired security systems do and this fact surely saves a good deal of your pretty costly time, money and energy. While a hardwired home security system can take a few days to install in not a large house, the best residence security system using technologies of wireless systems can be installed and functional to use even the same day it was installed. It is true that the additional time and cost spent on rewiring your residence is not any problem or necessity in this situation. This system is pretty beneficial due to the fact that a wireless home protection system operates by using back-up battery devices that will continue to power your alarm in the case of a power blackout. That is the reason why you may enjoy the fullest you dependability of this advantageous technology. Click here to get to know more.

© 2019