@Finance’s Post

There will never be a “perfect time” to buy the house. It simply just needs to make sense for YOU. Here’s a few reasons why: 1. Stable Long-Term Investment: Real estate historically appreciates over time, providing a solid long-term investment that can build equity and potentially offer financial security 2. Real estate is often seen as a hedge against inflation. As the cost of living rises, property values and rental income typically increase as well. This can help protect your investment’s purchasing power over time. 3. Tax Benefits: Homeownership often comes with tax advantages, such as deductions on mortgage interest and property taxes. These benefits can reduce your overall tax liability and make homeownership more financially attractive. 4. Equity Building: As you make mortgage payments, you build equity in your home. Equity is the portion of the home’s value that you actually own, and it grows with each payment you make as well as through any increase in the home’s value. This equity can be leveraged for future financial needs, such as funding education, starting a business, or making home improvements. #realestate #mortgages #fyp #jimcollins #beyondentrepreneurship

Ways Real Estate Investing Generates Income 🏠 1. Rent: If the rent you collect exceeds your expenses, you possess a cash-flowing asset. • Even if you break even, the principal paydown from the collected rent enhances your net worth. 2. Tax Breaks: One of the most rewarding aspects of real estate investing in the US is the tax advantages available to investors. • Some of these can even be offset against your W-2 income. • However, it's complex, so always seek advice from a licensed professional. 3. Appreciation: As property values rise, so does your net worth. • Even minimal appreciation can significantly impact your returns due to the substantial leverage a mortgage loan provides. 4. Rent Increase: Rents generally rise over time, and with each increase, your cash flow also grows. 5. Forced Appreciation: You can purchase a distressed property and renovate it, or add extra units, bedrooms, or bathrooms to boost its value instantly. #realestate #realestateinvesting #realestateinvestor #cashflow #rentals #rentalproperty #taxbreaks #taxadvantages #cashflow101 #cashflowingrealestate #realestate101 #realestateinvesting101 

The argument of interest rates...I love debating. Even at 7%, especially if you are leasing/renting. Consider this: 62% of the nation is appreciating. And with homes rising in value year over year on an average of 6% (sometimes and often higher), this offsets the money you borrow against it. When you lease or rent, 100% of your payment goes to someone else's investment... You've just deposited 100% of your hard-earned money in someone else's bank. 💸 Homeownership, land, or investment property will always be in my mind the best way to build wealth... ask all the billionaires out there... I guarantee you all of them have real estate in their portfolio... Deposit in your "own" bank, and watch the wealth grow! 🏡 💵 🏦 📈 #realestate #arizonarealestate #arizonarealtor #realestateadvisor #businessbuilder #womenhelpingwomenbuildwealth #InterestRates #RealEstateInvesting #WealthBuilding sheilavaughnrealtor.com

How I Signed a Few Documents and Got $216k! Is your mind open enough to learn how? Leverage is a powerful tool, only if one learns to be its master and not its slave. 💥 Just the other day, I signed some loan documents, and boom—I secured $216k in lending for a property in the UK. And here’s the best part: it was simple. The UK property market makes borrowing so much easier than you might think. Even if you’re based elsewhere, you can set up a company, access financing, and get amazing rental returns— all without needing to be physically present. Here’s how it works: → Secured the loan for $216k—quick and painless. → Found the right tenants to move in. → Tenants pay for the mortgage, while I sit back and collect rental income. And what’s the best part? Even after covering the mortgage and all expenses, I’m still looking at more than $1,000 in profit every month! Yes, the tenants are literally paying down the mortgage, and I’m still making money. This isn’t just a one-off. No hefty ABSD, no issues getting lending as long as you are younger than 80. Why? Because the mortgage is not dependent on your age or income as the property more than pays for it. It’s part of a strategy that I’ve been using to create steady, passive income—and the UK property market is a goldmine for it. If you’ve been looking for a way to build additional income without adding to your daily workload, this might be the game changer you’ve been waiting for. A few signatures, a bit of research, and you can get the ball rolling. P.S.: Ever thought about leveraging property investments for passive income? Let’s talk about how you can start. #PropertyInvestment #PassiveIncome #UKProperty #FinancialFreedom #SimpleInvesting

Excellent summary of the options for those considering buying their 1st property in the future.

There is currently a significant amount of equity tied up in homes across the country. With rising home prices and low interest rates, many homeowners are finding themselves with substantial equity in their properties. This presents a valuable opportunity for individuals to tap into this equity for various financial needs, such as home renovations, debt consolidation, or other investment opportunities. As the housing market continues to thrive, it's important for homeowners to explore their options and leverage the equity in their homes wisely.  Keeping Current Matters has a great article from National Association of REALTORS® It's a must read. #NAR #Refinance #Purchase #FTHB #debt

Investing in rental properties offers a robust strategy for wealth generation through multiple mechanisms. Here’s an in-depth look at the four primary wealth generators: Cash Flow: Rental income provides a consistent and reliable stream of cash flow, allowing investors to cover operating expenses, mortgage payments, and potentially generate additional income. Positive cash flow is crucial for the financial stability of your investment. Appreciation: Over time, real estate tends to appreciate in value. This means that the property you purchase today is likely to be worth significantly more in the future. Appreciation can lead to substantial returns when you decide to sell the property, contributing to long-term wealth accumulation. Loan Paydown: With each mortgage payment, you reduce the loan principal owed on the property. This process, known as amortization, increases your equity in the property. As tenants pay rent, they effectively help you pay down the mortgage, enhancing your ownership stake and financial position over time. Tax Benefits: Real estate investors can take advantage of several tax benefits that can significantly improve the profitability of their investments. Deductions for mortgage interest, property taxes, and depreciation can lower your taxable income. Additionally, costs related to property management, maintenance, and improvements can often be deducted, further reducing tax liabilities. Understanding and leveraging these wealth generators can optimize your investment strategy, ensuring long-term financial growth and stability. By focusing on cash flow, appreciation, loan paydown, and tax benefits, investors can build a diversified and resilient real estate portfolio. #RealEstateInvestment #WealthGeneration #PropertyInvestment #CashFlow #Appreciation #LoanPaydown #TaxBenefits 

The 1% Rule: A Key Metric For Real Estate Investors As a real estate investor, you're constantly on the lookout for properties that will generate positive cash flow. The 1% Rule is a metric that is intended to help you evaluate potential investments. 📌 What is the 1% Rule❔ "The 1% Rule states that the monthly rent should be at least 1% of the property's purchase price". For example, if you're considering a property that costs $600,000, the monthly rent should be at least $6,000. 📌 Why is the 1% Rule important❔ The 1% Rule helps you determine whether a property's rental income will cover its expenses, including mortgage payments, property taxes, insurance, and maintenance. By ensuring that the rental income meets the 1% threshold, you can reduce your risk of negative cash flow and increase your potential for long-term profitability. For emphasis: the 1% Rule says that you shouldn't purchase a property if it falls short, with a monthly rent that's only 0.8% of the purchase price. Instead, buy a property that its monthly rent of the purchase price meets up with the 1% threshold, or even higher than the 1% 👉 Conclusion The 1% Rule is a yardstick intended to evaluate potential investments and reduce your risk of negative cash flow and also make well informed decisions. What is your opinion of the 1% Rule? Share with me in the comments #RealEstateInvesting #1PercentRule #RentalIncome #CashFlow #InvestmentStrategy

Let’s talk about off-the-plan purchases, which have become popular in recent years – especially for first home buyers and new investors looking for competitively priced properties. While they offer great opportunities, it’s important to understand how the approval process works. You can get a pre-approval now for an off-the-plan property, but keep in mind that these approvals are typically only valid for 3 months (or 6 months if extended). If your property isn’t completed for a year or two, that approval will expire, and we’ll need to reapply for finance closer to settlement. There’s also an element of risk to consider – if your financial situation changes between now and the completion of the property, it could impact your borrowing capacity. So, if you’re thinking about purchasing off the plan, reach out for advice on how to navigate the process and ensure you’re in a strong position to complete when the time comes. It’s an important consideration for long-term planning.   #OffThePlan #PlanAhead #MortgageBroker 

BUDGET: Property figures slam lack of support for first time buyers. Even with a brake on investors through a hike of Stamp Duty, property leaders say not enough is being done to help people trying to get on the ladder #firsttimebuyers #autumnbudget #budget24 #propertyladder #propertymarket #stampduty #propertynews https://lnkd.in/ejhHq4_u