Financing Real Estate Investments for Dummies

Financing Real Estate Investments for Dummies – Real estate investing is an expensive habit. You need money to finance the purchase, renovate your fixer-upper, and cover the holding costs while you prepare to sell or rent the property.

The good news is that it doesn’t all have to be your money. In fact, the less of your own money you can use and the more you can borrow, the bigger the return on your investment. Add the potential credit and market woes like the first decade of the 2000s, and investing in real estate also becomes a bit more of an adventure.

Lining up financial resources well in advance of scouring the neighborhood for investment opportunities enables you to pounce on a bargain and gives you leverage in negotiating the price you ultimately pay for a property.

When you place an offer on a house and other bids come in, the seller may accept your offer of thousands of dollars less simply because you have the financing in place to quickly close the deal.

Ready cash also frees you to plan and begin rehabbing the property immediately instead of waiting around for sluggish loan approvals and credit checks.

If you’re thinking that you can’t possibly get your mitts on enough cash to finance your venture, Financing Real Estate Investments for Dummies is the book for you.

Here you discover the best sources for investment capital and how to go about tapping into these sources to fuel your next venture.

About This Book

This book isn’t a get-rich-quick guide to investing in real estate
or a guide or a tutorial on how to buy property with no money
down (although we do cover that topic). Financing Real Estate
Investments For Dummies delivers what the title promises — a
treasure map that shows you where to find sources of real estate
investment capital and guidance on how to dig it up.

Ralph and Chip are both seasoned investors. We’ve each built wealth through investing in real estate — buying and selling fixer-uppers and buying and renting out both residential and commercial property.

Although we have used our own money on occasion to finance our purchases and renovations, we’ve primarily succeeded with the use of other people’s money (OPM). Our grandmothers were our first financial backers, but we’ve expanded our options since then.

We have more than 50 years’ worth of combined experience in buying and selling real estate and securing the financing to do it.

In this book, we share what we know with you, showing you how to tap into loans from banks; mortgage companies; private lenders; federal, state, and local government programs; and more. In the process we cover financing for both residential and commercial properties.

Compared to other books on financing real estate investments, Financing Real Estate Investments For Dummies is anything but conventional, but we do use some conventions to call your attention to certain items.

For example:

Italics highlight new, somewhat technical terms, such as hard money, and emphasize words when we’re driving home a point.

Boldface text indicates key words in bulleted and numbered

Mono font highlights Web addresses.

Financing the purchase and renovation of residential properties, such as homes, is quite different from financing the purchase and renovation of commercial properties. You deal with different lenders who use different methods for evaluating your loan application and the property you’re planning to buy.

In this book, we cover both types of financing, but you should know up front the differences between residential and commercial property:

Residential: One- to four-family dwellings classify as residential properties, which qualify for residential financing.
Commercial: Properties used to conduct business and any
rental properties designed to house more than four families
qualify as commercial real estate.

Loan approval for these properties hinges more on the property’s potential for generating sufficient income to make the payments than on the borrower’s financial strength.

In addition, even though you see three author names on the cover of this book — Chip, Ralph, and Joe — the “we” is usually Chip and Ralph talking. Joe is the wordsmith — the guy responsible for keeping you engaged and entertained and making sure we explain everything as clearly and thoroughly as possible.

Although we encourage you to read this book from cover to cover to maximize the return on your investment, we realize that in today’s busy world you may have time to read only the information pertinent to your situation.

If so, you can safely skip anything you see in a gray shaded box. We stuck this material in a box for the same reason that most people stick stuff in boxes — to get it out of the way, so you wouldn’t trip over it.

However, you may find the stories and brief asides uproariously funny and perhaps even mildly informative (or vice versa).

What’s Included

Part I: Gearing Up for Financing Your Real Estate Investments

  • Taking a Crash Course in Real Estate Investment Financing
  • Pumping Up Your Purchasing Power with Borrowed Money
  • Minimizing your potential by owning property free and clear
  • Maximizing your potential with other people’s money
  • Paying cash with borrowed money
  • Brushing Up on Basic Real Estate Financing Lingo
  • Identifying types of lenders
  • Grasping different loan type
  • Brushing up on important legal lingo
  • Pointing out mortgage concepts
  • Examining equity
  • Looking at loan-to-value (LTV)
  • Distinguishing Investment and Home Financing
  • Paying a premium for riskier investment loans
  • Using quick cash to snag bargain prices
  • Accounting for taxes on your capital gains (or losses)
  • Protecting your personal assets

Part II: Financing the Purchase of Residential Properties

Part III: Financing the Purchase of Commercial Properties

Part IV: Sampling More Creative Financing Strategies

Part V: The Part of Tens

291 Pages of Absolutely Awesome Information

Financing Real Estate Investments for Dummies Only $ 74

As previously suggested, Real Estate is one of the fastest turnovers for people looking for new homes or land development – as a prior Realtor myself the promise of making great sums of money in Real Estate is CERTAINLY A Big Factor!

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