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16 Tag Results

10 result(s) displayed (1 - 10):

May 21, 2011

Mortgage Standards Reform

A mortgage standards reform proposal was recently released by the Federal Reserve as the government attempts to curb abuses that have contributed to the mortgage crisis. The rule would further tighten lending criteria to ensure borrowers are capable of repaying their housing debt. It would also require buyers to provide a minimum 20-percent down payment when buying real estate.

The mortgage standards reform redefines a qualified mortgage and includes an 8-point checklist which holds mortgage providers accountable for investment decisions. The new rule takes effect later this year and will be governed by the Consumer Financial Protection Bureau.

Real Estate Investing article on "Mortgage Standards Reform "

April 26, 2011

ForeclosureGate

ForeclosureGate is the latest term being used to describe the mortgage fiasco. In recent weeks, numerous reports have surfaced claiming banks are responsible for the chaos and that things will only get worse for American homeowners.

ForeclosureGate seems an appropriate term considering the level of cover-up, lies and deceit which are being brought to light. An investigation into the mortgage debacle began in October 2010 after Attorney Generals from all 50 states demanded answers.

Last week, the Office of the Comptroller of the Currency, along with the Federal Reserve completed their investigation. The report claims over $535 billion in real estate mortgages may require foreclosure review due to fraudulent loan documents.

Real Estate Investing article on "ForeclosureGate"

April 11, 2011

Law Suit Financing

Law suit financing is a strategy used by individuals involved in litigation, but have not yet been awarded monetary settlement, to obtain lump sum cash. Pending awards are used as collateral to secure advanced funds. Funds are usually obtained from funding sources such as private investors or cash advance providers.

The majority of law suit financing advances are funded as "non-recourse". This process is used when litigants obtain advanced funds against a lawsuit in which the verdict is undetermined. If recipients are unsuccessful in the courtroom they are not held responsible for repayment of advanced funds

Real Estate Investing article on "Law Suit Financing "

January 15, 2010

Expired Listing Letter

An expired listing letter is one of many marketing tools used by real estate investors to locate deals on homes for sale. Expired listings refer to real estate sales contracts which expired without resulting in sale of the home. When realtors are unable to complete the sale during the term of the realty contract, sellers can enter into a new contract with their current realtor, locate a new realtor, place the property on the market as for sale by owner, or remove the listing.

Realtors and investors solicit business with the expired listing letter. When properties show up as expired on the Multiple Listing Service (MLS), real estate professionals can access sellers' contact and property information. MLS provides nationwide property listings to real estate agents, mortgage and insurance companies, and other realty related entities.

Real Estate Investing article on "Expired Listing Letter"

November 27, 2009

Purchase Structured Settlements

In order to purchase structured settlements in the U.S., investors and annuity brokers are required to adhere to state and federal regulations. Structured settlements are established to provide long-term income to individuals who have been injured due to the neglect of another. Injury settlements are often arranged for victims of automobile accidents, medical malpractice or workman's compensation injuries.

Approximately 75-percent of U.S. states prohibit the purchase of structured settlements. States allowing the sale of annuity payments require Annuitants to obtain court authorization. Since annuities are primarily used to provide funds for ongoing healthcare expenses or replace income lost for injuries resulting in disability, courts are reluctant to allow Annuitants to sell forthcoming payments.

Real Estate Investing article on "Purchase Structured Settlements"

November 20, 2009

Investment Property

Investment property refers to real estate purchased for the purpose of generating profits. Numerous types of properties exist and each produces income at a varying pace. For example, rental homes produces monthly income while house flipping generates a one-time cash payout.

Investors need to determine which type of investment property best suits their needs. Some investors prefer to build portfolios slow and steady, while others elect to diversify and purchase multiple property types.

Real Estate Investing article on "Investment Property"

November 10, 2009

Mortgage Note

A mortgage note is used when individuals purchase real estate by obtaining a loan through a lender. Mortgage notes contain information regarding the real estate transaction such as principal sum, interest rate, length of the note, monthly payment amount, prepayment penalties and stipulations of how the property is to be used; e.g.; primary residence or rental property.

A mortgage note can be sold to mortgage buyers in exchange for a lump sum cash payment. Multiple reasons exist to sell mortgage notes. The most common is to obtain quick cash to get out of debt, college tuition, or use funds for real estate or financial investments.

Real Estate Investing article on "Mortgage Note"

September 11, 2009

Commercial Real Estate

Commercial real estate refers to a wide range of properties used for anything other than a personal residence. Commercial properties can include office complexes, shopping malls and retail outlets, large parcels of raw land intended for development, and residential housing such as apartment or condominium buildings and multi-family dwellings.

Purchasing commercial real estate is considerably more expensive than buying single family residences. Oftentimes, real estate investors will join forces with other investors to purchase commercial properties. Large properties such as apartment buildings and shopping malls generally require hiring a property manager to oversee maintenance and collection of rent monies.

Real Estate Investing article on "Commercial Real Estate"

August 10, 2009

Annuity Payment

Annuity payment refers to monetary compensation which is paid out over a specified period of time. Often referred to as 'structured' payments, annuities generally stem from insurance settlements or jackpot lottery winnings. Individuals entitled to annuity payments are known as the 'Annuitant'.

When an annuity payment is provided through an insurance company, they are referred to as structured settlements. This type of transaction occurs when the Annuitant is compensated for injury or illness which was caused by the negligence of another. Structured settlement annuity payments are tax-free.

Real Estate Investing article on "Annuity Payment"

July 15, 2009

Investors

Investors refer to an individual or group of people who invest money into specific projects. All types of investment opportunities exist. People invest in stocks, bonds, small businesses, corporations, and real estate. Each type of investment comes with its own set of pros and cons. Some can be quite profitable while others take a large chunk out of your savings account.

Investors need to become educated about the market, product, business or individuals they are investing in. It would be rather foolish to invest your life savings into a project or person you know nothing about. Although you might possess beginner's luck and strike it rich your first time out, investing is a game that requires research, planning and a watchful eye over where your investment money is being spent.

Real Estate Investing article on "Investors"