HomebuyingFinancial IQ October 26 2018

3 Reasons to Invest in Real Estate

Increasingly, Americans are choosing to invest in real estate instead of stocks, bonds, or mutual funds. From 2000 to 2016, real estate outperformed the stock market at a ratio of about 2-to-1.[1] For three years in a row, Bankrate found more U.S. adults feel real estate is the best way to invest money not needed for more than 10 years.[2] Still, only about 15 percent of Americans are currently investing in real estate. So why aren’t even more people taking advantage? The same Bankrate survey discovered the most common obstacles to choosing real estate investing are that it's too hard, costly and far out of their expertise. If you find yourself agreeing with those arguments, here are some reasons to reconsider:

Immediate cash flow.

There are many cases of real estate investment in which an investor purchases a property and receives a rent check at the end of the first month. Of course, this isn’t always the case, but even after a mortgage payment, repairs, or paying a property management company, generating a cash flow return is not uncommon.

Tax breaks.

Real estate investments can come with tax deductions on mortgage interest, operating costs, property taxes, insurance, depreciation, and even travel costs to and from your property. Not only will you be sending less money to the IRS, but you’ll automatically be increasing your cash flow.

Equity.

If you make paying off your mortgage a priority, your equity—or the amount of your home that you actually own—will build quickly. Here are some tips to speed the process: Pay more toward your principal. The faster you pay down your home loan, the faster you build equity, even if your home is appreciating slowly. Choose shorter loan terms. When it comes to building equity, a 15-year mortgage is better than a 30-year mortgage. Home improvements. Increasing the value of your home helps narrow the gap between what it’s worth and how much you owe.

Are you ready to invest?

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Digital Mortgage 19

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Understanding Your Loan Estimate

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October 17 2018

7 Tips to Buying in a Hot Housing Market

Buying a home can be overwhelming under any circumstances, but especially in a hot housing market. Home prices go up, and the number of homes available goes down. With emotions and stress running high, you may be pressured into making a purchase you’ll...

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October 15 2018

Finding the Perfect Neighborhood

Amid the excitement of hunting for the perfect house for you and your family, don’t forget to pay attention to your surroundings. It doesn’t matter how perfect your chosen house is — disliking the neighborhood can make your living situation...

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5 Common First-Time Homebuyer Mistakes

You’ve scrimped and saved for years—dreaming about owning your first home. Now it’s time to make one of the largest purchases of your life. Are you ready? Have you done all of your research? Almost half of Americans have some regrets about the...

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What’s Scarier Than Bad Credit? No Credit!

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Best New Upgrade Trends for Your Home

Sometimes your home needs a little renovating in order to maximize comfort and livability. Here are several ways to upgrade your home on any budget or scale! 

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Terms to Watch for in a Purchase Contract

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September 18 2018

The Best Home Improvement Projects for You

If you’re exploring home improvement options, you know there are a lot of tips out there. But there are most likely just two reasons that you would be researching major home improvement projects: You either want to improve your home, or you absolutely need...

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September 14 2018

Preparing an Emergency Supply Kit

Every September is recognized as National Preparedness Month, and as our nation braces for another natural disaster, it is important to reflect on your own preparedness. Do you have an emergency supply kit? Do you know where your family would evacuate to if the...

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September 14 2018

8 Questions to Ask Your Lender

It is your mortgage lender’s job to help you get a loan that is best for you. It can be intimidating and confusing treading new territory when buying a home. Familiarizing yourself with the terminology used in real estate and finding a lender who will walk...

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