Are You Really A Twenty First Century Investor?
There are HUNDREDS, maybe THOUSANDS of niche market investment opportunities within Commercial Real Estate. And by the way........ the main reason why so few investors go after commercial real estate, and that might include yourself, is that you're not convinced that you would qualify for commercial financing !
by: Steven Battle
Real Estate Investors that educate themselves about CURRENT MARKET TRENDS will reap huge returns NOW!!! Information concerning NEW TRENDS in financial resources will open new and more profitable real estate opportunities for your business.
Today's residential real estate market for investors has become very competitive in most major markets. The vast majority of real estate investing seminars and clubs are encouraging you to search out desperate home owners or distressed properties to be rehabbed.
Not to mention the fact that today's disillusioned stock investors have now realized that residential real estate investing offers better returns, with less capital risks. As you seek to identify your lucrative real estate opportunities, have you noticed that the good deals are getting harder to find? I am not here to discourage you from investing in real estate, but would like to share real estate investment opportunities and information with you..opportunities that only a few people are aware of and regularly participate in. That's right; I am referring to a niche investment market that has VERY LITTLE competition. This unique information is currently setting new trends within the commercial real estate investment community!
I know you are ready for me to tell you about this quiet niche investment market, so I will...... it is.. ..Commercial Real Estate. There are HUNDREDS, maybe THOUSANDS of niche market investment opportunities within Commercial Real Estate. And by the way........ the main reason why so few investors go after commercial real estate, and that might include yourself, is that you're not convinced that you would qualify for commercial financing ! ! Most investors are lead to believe that a 20% down payment is required to start the process for purchasing commercial properties. WELL, THIS IS NOT TRUE!
Let's do the math now financing a property that cost $5 Million dollars with 20% down would require you to put down $1,000,000 and you would still have to add in legal fees and closing costs. Yes, I know that only a few investors or even investment groups are able to meet these down payment requirements. Your first mistake as an investor would be to go to your local bank to seek financing, or worse, go to private or hard money lenders. First, remember the banks are regulated by the federal government and they are required to underwrite conforming loans and second, bank loans tend to be very structured and are generally inflexible to your project needs. In most cases, THESE LOANS will require a 20% DOWN PAYMENT OR MORE! The only benefit of using private or hard money lenders is when" NO OTHER FINANCING OPTIONS EXIST FOR YOU!"
FINANCING is the key ingredient to identifying lucrative real estate investment opportunities, yet, so few people truly understand the power of knowing WHERE to find the right financing and HOW to get it! WHAT IF you had several lenders, today, that would only require you have 2 to 3% down payments (on certain qualified projects) WOULD THIS BE OF INTEREST TO YOU? A $5,000,000 loan with 2- 3% down payment equates to putting down $100,000 to $150,000. As an individual investor, this down payment would still be pretty steep for you however, today, many residential investors are already joining and forming Investment clubs to increase and enhance their purchasing power. TO ALL residential real estate investors....... the REAL MESSAGE here is that you are closer to buying commercial real estate than you think! This example should make it clear to you that finding the right financing is the FIRST step and the key ingredient to your real estate investing.. however, there is a PROBLEM.
The problem is that as an investor, you have been trained to shop for properties FIRST, and almost never for financing. Finding the right financing FIRST will save you and make you more money over time, than you purchasing the undervalued properties and selling them later at or above market prices. I will repeat this.. MOST REAL ESTATE INVESTORS DO NOT UNDERSTAND THE IMPORTANCE OF FINANCING within the investment equation. The ability to save on the amount of the interest rate you are being charged. month after month.. year after year 2 or 3 % or more is huge. You may also find out what I already know.. . by securing the financing first..THIS OPENS UP NEW INVESTMENT OPPORTUNITIES!
Let's review some of the BENEFITS that come with purchasing Commercial Real Estate:
1. Unlike residential real estate, commercial real estate's only purpose is to make money for its investors. If there was a 7% cap rate on the $5,000,000 sample property, it would cash flow $350,000 annually.
2. Do you think you would enjoy having professional tenants with long term leases?
3. Would it excite you if your investment projects qualify for Non recourse financing?
4. You can totally eliminate the process of rehabbing properties.
5. How about this YOU no longer have to chase tenants down to collect rent.
6. You no longer have to pay penalties to lenders for not being in owner occupied properties.
7. Expand your investment search throughout all 50 states.
8. Last and probably the MOST BENEFICIAL of all of the perks.You can qualify to purchase these properties using your commercial tenant's credit rating, business cash flow and their long-term rental leases!
In an era where information rules, the small to medium sized real estate investor can NOW be a "Front Runner" AND a major player within the commercial real estate market!, says Steven Battle
We are searching for like -minded real estate investors and investment clubs that would like to join a Commercial Real Estate Investor Forum. We welcome that you come and ask your commercial financing questions and share your investment experiences with the group. Go to http://www.amoneybroker.com/ and click on "Join Our Investor Forum."
About The Author
Steven Battle, Commercial Financing Specialist with Amoneybroker.com, has over twenty years of experience in financing, property management, real estate investing, and direct sales. http://www.amoneybroker.com/
How Our Home Based Business Saved Us
We were so caught up in our comfort zone for so long that every little decision seemed like a monumental task. Thankfully, my wife and I saw this coming a year ago and readied ourselves for it, so when the time came, we just let go and set our sights on our home catering business.
By Andrew Shim
If you had asked me two years before my wife and I began our home catering business whether I would consider being my own boss, I would have laughed out loud and scoffed at the idea. The company I worked for seemed to be doing well and I was recognized for the creative genius that I was. I was contented as a Web Developer in a multi-national corporation, lost in my own world in cyberspace. The pay was alright and there wasn't any reason to think of other means of income. Looking back, I realized that I was in a comfort zone and being there shut my eyes to all the opportunities that were knocking at my door. Things were about to change though.
The signs were classic of a company in trouble. Emails instructing us to take cost-reduction seriously, profit sharing withheld, no year-end bonus, a freeze on all pay rises. Then, it was crunch-time. There was talk of staff re-designation. One year later, it became a full blown staff elimination exercise. No retrenchment benefits, no nothing.
My wife didn't really think I was serious about the company being in trouble until I started having the classic symptoms of Middle-Aged-Man-With-Job-Threatened-Syndrome. I couldn't eat or sleep worrying about how we would make ends meet on my wife's salary as a kindergarten teacher, which wasn't much. The stress and fear were taking its toll on my health.
It became clear that there was no way the company would keep me for more than a year and with job applicants half my age working for even lesser pay, my wife and I did some serious talking. We came up with a couple of ideas we thought we could do to earn extra cash and prepare us for the tough times ahead. We eventually decided to start our own home catering business, cooking and delivering dinner to people who were either too busy, didn't have the time or the liking to cook.
Armed only with the confidence that my wife was a great cook, we started. Our first obstacle turned out to be our minds. We were so caught up in our comfort zone for so long that every little decision seemed like a monumental task. At the back of our minds, we didn't want to be in the position we were in. We struggled with the fear of change and the unknown, but we carried on, telling ourselves that even if I did get another job, it was only a matter of time before the same cycle would repeat itself. We HAD to take this step and take control of our lives and our earning power.
We made countless mistakes in our first six months, but let me tell you when we got our first customer, I felt such relief I slept like a baby that night. It was my first night of peaceful sleep in a year. It wasn't the sixty dollars profit that we made. It was the fact that we had finally started to chart our own destiny, free from the whims and fancies of corporate management.
A year into our business, the inevitable happened. I was approached by my company to discuss re-designation. I told them that I knew what they meant and I was prepared to leave. I was the last one in my division to finally say goodbye. Thankfully, my wife and I saw this coming a year ago and readied ourselves for it, so when the time came, we just let go and set our sights on our home catering business.
It's been almost two years now and we've gone through some really trying times learning the ropes of managing a home business. We've had to adjust our attitudes and daily lives but we're doing fine, and our financial situation has gone from hopeless to healthy. What started out as a way to earn extra money has turned out to be our main source of income.
I hope my sharing gives you the encouragement and inspiration to NOT LOSE HOPE. I wouldn't recommend waiting until you were in trouble before you considered starting your own home business, but maybe like us, it takes a storm to help us break free of our comfort zone.
Andrew Shim is the owner and editor of PositiveMoneyIdeas.com a website which offers FREE IDEAS for those interested in starting their own freelance or home based business and PositiveTones.com , a FREE resource website for Positive Living. He and his wife run a successful home catering business. When not up to his eyeballs in veggie, meat, gravy and being official taster for their catering business, he manages his websites, writes for numerous other sites and magazines and fools around with his kids.
Take Some Ideas And Make Yourself Different To Earn Money
Do you want to start a home-based business? Read this article first, you might find it useful.
We all know the names Steve Jobs and Bill Gates, but do you really know the story behind them? Well, guess what movie I just saw? It's a movie entitled Pirates of Silicon Valley.
I am not going to tell you the whole story, but the movie was all about Apple and Microsoft. How they started and how they became rich!
The most interesting part of the movie was about the idea of copying, or should I say pirating another programmer's or company's idea.
My point is that although copying a piece of software, an article, a design or even a logo might be illegal, it is not illegal to take some ideas out from existing ones and make new ones out of them.
Let's take a website as an example. You want to own a home-based business, but don't know where to start. So why not go to your favorite search engine and start searching for sites on the fields that you are good at.
Let's just say you love to write. Search for the keywords 'writing', 'copywriting' and all other keywords related to writing. I know you will get thousands of results but you don't have to go through all of them, just pick the ones that best suit you.
Go over the sites you picked. Surf around each site's services/offers pages and try to gather some answers these questions: what are their similarities, how do they earn, what do they offer, what are the rates, are they offering tangible products too, how do they present their services, what are they doing to attract customers, etc
There are lots of questions to answer but as soon as you have answered the ones you need in order to start, then you're set.
Analyze the data you've gathered and try to think of a good idea that will make your site/service different.
Jump-start your project, never waste precious time because you're not alone in this quest. If you don't have any ideas about the technicalities, outsource someone to do it for you.
You can visit http://www.isnare.com/articles.php or you can register a buyer account at http://www.rentacoder.com/
Always remember to make yourself different and try to catch users' attention, make something that they will like and find useful.
About The Author: Glenn invites you to submit your free-reprint articles at http://www.isnare.com
5 Quickest Ways To Massive Windfalls Of Cash Online
by: Ewen Chia
These days everyone wants to know how to make money online.
Yet, for some, this lifestyle seems out of reach. Does this describe you at all?
If you've been banging your head against the wall trying to figure out the quickest and easiest methods to generate cash for yourself online, then these five tactics should have you opening your eyes wide and wondering: Why didn't I think of this before?
Cash Tactic #1: Affiliate Products
Affiliate products offer the small, home-based business owner the opportunity to make truckloads of cash, while investing a minimum in over head.
Low overhead is the primary benefit of affiliate marketing. You don't need your own merchant account. You don't need to pay a web designer and programmer to create a huge e-store for you. You don't handle customer complaints, refunds or returns...
All you do is refer the prospect to the merchant's site, and the merchant handles the rest.
I believe the best affiliate products are information products. Your commissions on information products tend to be higher simply because the author can price an information product higher than what the average shopper spends on a tangible product sold online on a typical day.
This is because the value of information is ambiguous at best, and subjective to how the prospect sees value. People are willing to spend much, much more in order to acquire a solution to their problems.
Cash Tactic #2: Resale Rights
Resale rights are the lazy marketer's salvation. You don't have to create your own product. You don't have to write a single word. You may not even have to lift a finger on sales page creation when the resale product comes with a ready-to-upload sales page.
All you do is pay the licensing fee to acquire rights to the product, perform a small amount of editing to change the payment link over to yours, and upload the sales page and product file to your web server.
The trend is taking a turn for the better in 2005 while the marketing world goes through its latest next big thing: niche marketing.
Today, you can find products with resale rights for such things as cooking, golf, arts and crafts, self-improvement and more.
Seizing on the profits promised by demand for niche products, there are dozens of new authors out there who have devoted themselves to turning out these niche products, and offering them with resale rights.
Cash Tactic #3: Special Reports
A special report is a mini e-book' of no more than about 5 to 12 pages in length. While you can certainly create a mini-ebook that sells (provided the information it contains is perceived to be valuable enough), the best use of a short report is as a lead generating tool for your affiliate campaigns.
The mini-ebook is the ideal viral tool. You create (or acquire) a mini-ebook which is branded with your affiliate links and/or your main URL.
The focus of the report should be niche specific and completely focused on the pre-selling of the affiliate product.
Cash Tactic #4: Interviews
It's a piece of cake to churn out products created from interviews. In fact, it may be one of the laziest content generation methods available.
Interview packaging is easy, too. You can present the interview as a written transcript, an audio transcript, or both. You can offer a downloadable mp3 file or you can burn the entire interview to CD, put an attractive label on it, and instantly raise your price by at least 30%.
Cash Tactic #5 Teleseminars
Do you want to know something interesting about teleseminars?
While they're becoming a popular marketing method, the field is really wide open for you to cash in on them because very few marketers understand how to pull them off.
A teleseminar requires advance planning and a willingness to overcome a bit of stage fright. The average marketer in competition with you avoids teleseminars for these reasons.
They're intimidated by the idea of showing up on time and speaking, even via telephone, to an audience of a couple hundred people.
You can cash in on this technique in a big way. Teleseminars, right now, are popular mainly among the internet marketing crowd and tend to focus on marketing-related subjects; but, just imagine what you could do if you held teleseminars for non-internet marketing niche audiences?
The field is wide open and vastly under-exploited.
There you have it - five quick and easy methods to generate windfalls of cash online!
It's really amazingly simple, isn't it? Every tactic is really just a vehicle of delivery for an idea. Your profits begin in an idea which spawns market research. This spawns an analysis of the best approach for delivering your idea to buying public.
While there are many more secrets and techniques to generate massive cash windfalls from the internet, as a start, you should put any one of these methods to good use.
I promise that you will finally get a taste of what it's really like to succeed wildly online if you do so!
Copyright 2005 Ewen Chia
About The Author
Ewen Chia has just revealed his *secret toolkit* that will blow up your bank account like a thick balloon...and stuff more orders into your inbox than you can handle! Click here for the full details while you can: http://www.StuffYourInboxWithCash.com
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