Fuquan Bilal's Posts - REALTY4112024-03-29T04:50:18ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilalhttps://storage.ning.com/topology/rest/1.0/file/get/2210516782?profile=RESIZE_48X48&width=48&height=48&crop=1%3A1https://realty411mag.com/profiles/blog/feed?user=08wpudil9eh14&xn_auth=noHindsight Is 2020: What To Learn From The Last Decade In Real Estatetag:realty411mag.com,2020-02-11:5727801:BlogPost:643232020-02-11T10:53:22.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3857197578?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3857197578?profile=RESIZE_710x" width="250"></img></a> HIndsight is always 20/20. Now looking back over the past decade, everything that has happened in real estate is pretty obvious. What can we take from it as we move into 2020 and the next decade?</p>
<p><strong>Market Recap: 2009-2019</strong></p>
<p>Even though some cities were already being hit hard by the Great Recession and housing crisis by 2005, some…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3857197578?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3857197578?profile=RESIZE_710x" width="250" class="align-left"/></a>HIndsight is always 20/20. Now looking back over the past decade, everything that has happened in real estate is pretty obvious. What can we take from it as we move into 2020 and the next decade?</p>
<p><strong>Market Recap: 2009-2019</strong></p>
<p>Even though some cities were already being hit hard by the Great Recession and housing crisis by 2005, some didn’t feel it, and it wasn’t publicly admitted until 2008. Some places still didn’t really see all of the foreclosures coming through the pipe until 2011 due to long processing times and banks trying to hide this shadow inventory and their losses. Later years of back data, including three years worth from the National Association of Realtors, would show just how bad things were.</p>
<p>Yet, by 2011, some markets were already turning around again. That also took some time to roll out around the country.</p>
<p>Few people were spared during 2008. It not only rocked people financially but mentally as well. Today, maybe 10% or fewer of those in real estate were in the business prior to 2008.</p>
<p><strong>The Last Real Estate Boom</strong></p>
<p>So, from 2011 until 2018 we saw a fresh boom in the US real estate market. This follows the historical pattern of phases of the market running an average of 7 to 15 years.</p>
<p>The big funds definitely helped fuel the fire by buying up huge pools of single family rental properties. Mortgage lenders shifted to making money easier to get for real estate investors than for regular home buyers. The regulations that created this environment really haven’t changed much. Although we have seen the FHA and government agencies begin to back away from their own subprime style loans in the last couple of years, meaning those with virtually no down payments, easy income underwriting and low credit scores.</p>
<p>The experienced and creative investors found ways to acquire assets at great discounts, and have done it at great scale.</p>
<p>However, over the past few years we’ve also seen a whole new wave of brand new Realtors, TV personalities and investors jump into the game. They’ve kept bidding up asset prices, and inventory has become increasingly more challenging to get. At least at numbers which really make sense. We’ve seen the markets that burst the worst in 2008 once again double or triple in prices.</p>
<p>We’ve had rumors of a new recession and warnings the stock market has been at least 60% over priced for years. Most investors seem to have become totally numb to these warnings though.</p>
<p><strong>The Current Landscape</strong></p>
<p>As a whole the economy has been very strong. Yet, we’ve also seen some massive IPOs that have failed terribly, and more concerns about tech companies that are losing billions of dollars. Upwork, WeWork, and Uber are just some of them. The recent exit of Google’s cofounders has also raised some eyebrows.</p>
<p>The retail home market appears to have already hit a new plateau in some markets. Rents and retail house prices are just unaffordable, except for speculative flippers in many markets. Even the biggest luxury brands have been ditching Manhattan’s famous retail rows. There are double digit negative trends out there in some niches and submarkets.</p>
<p>On the upside there are still some affordable cities and channels for obtaining discounts, but investors have to look for them.</p>
<p>There is still a huge appetite for US mortgage debt from around the world, to the tune of tens and hundreds of billions of dollars.</p>
<p><strong>The Next Decade</strong></p>
<p>It’s logical to expect the next decade to be much like the last one. At some point there will need to be some type of correction. Then there will be a surge in acquiring distressed assets again.</p>
<p>There are opportunities to cash out, buy right, hold and make great returns in real estate. Providing investors invest by the numbers, and don’t fool themselves by buying into the hype.</p>
<p>Some people will always make money. You just may have to be more disciplined and creative over the next five years than during the past five years.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p>Image by<span> </span><a href="https://pixabay.com/users/mohamed_hassan-5229782/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=4114070">mohamed Hassan</a><span> </span>from<span> </span><a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=4114070">Pixabay</a></p>Finding Real Estate & Note Deals In 2020: You’d Better Partner Uptag:realty411mag.com,2020-01-27:5727801:BlogPost:643112020-01-27T10:25:28.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3835534968?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3835534968?profile=RESIZE_710x" width="250"></img></a> Looking for real estate and mortgage note deals in 2020?</p>
<p>Where are the best deals? What are the challenges? What’s it going to take to get your hands on the most profitable opportunities?</p>
<p><strong>The Search For Inventory</strong></p>
<p>One of the top challenges for investors this year is going to be finding deals. At least deals where the…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3835534968?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3835534968?profile=RESIZE_710x" width="250" class="align-left"/></a>Looking for real estate and mortgage note deals in 2020?</p>
<p>Where are the best deals? What are the challenges? What’s it going to take to get your hands on the most profitable opportunities?</p>
<p><strong>The Search For Inventory</strong></p>
<p>One of the top challenges for investors this year is going to be finding deals. At least deals where the numbers really work, the margins are good and you aren’t just speculating.</p>
<p>There is plenty of property up for sale. There are going to be many motivated sellers and agents. Yet, many of them are going to have to get more realistic.</p>
<p><strong>Where The Best Deals Are</strong></p>
<p>While many retail sellers and their agents are cutting their listing prices, they still aren’t pricing in line with where the market is, and more importantly, where they need to be for investors.</p>
<p>Foreign investors and the biggest pension funds may be okay with zero yields. That’s probably not going to cut it for you though.</p>
<p>That leaves bulk deals. Whether that is pools of notes, entire condo buildings, or portfolios of properties from other investors, bulk acquisitions are where the profits and lower risk deals are.</p>
<p><strong>What It Takes To Get Them</strong></p>
<p>When we’re talking about bulk deals, we’re talking millions of dollars. Sometimes a lot more than that. That takes capital. For most investors this also means some form of leverage. Even if you have all the cash, sharing that risk and bringing in others who can help in various ways is just smart.</p>
<p>Cash isn’t the only thing you need. There are few people with these portfolios. That means you need connections too. You’ve got to have the relationships, or someone with them to get access.</p>
<p>Even then, you need experience and a solid resume. Sellers have to be even more careful who they are selling to today. You also need to know how to handle portfolios of this size. Again, all leading back to the need for and advantages of having partners.</p>
<p>Who will you partner with this year?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p>Image by<span> </span><a href="https://pixabay.com/users/mohamed_hassan-5229782/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3213924" rel="nofollow noopener noreferrer" target="_blank">mohamed Hassan</a><span> </span>from<span> </span><a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3213924" rel="nofollow noopener noreferrer" target="_blank">Pixabay</a></p>What’s Triggering Non-Performing Mortgage Loans In 2020tag:realty411mag.com,2020-01-14:5727801:BlogPost:643012020-01-14T19:05:08.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=RESIZE_710x" width="250"></img></a> Deals on non-performing mortgage loans are in high demand. So, with the economy and housing market reportedly so strong, what might trigger mortgage defaults, and give note investors more assets to buy?</p>
<p>Being alert to these causes of default can give you the edge to see where things are headed, be able to get ahead of the competition, and work out…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=RESIZE_710x" width="250" class="align-left"/></a>Deals on non-performing mortgage loans are in high demand. So, with the economy and housing market reportedly so strong, what might trigger mortgage defaults, and give note investors more assets to buy?</p>
<p>Being alert to these causes of default can give you the edge to see where things are headed, be able to get ahead of the competition, and work out notes, obtain deeds in lieu of foreclosure, or grant profitable short sales.</p>
<p><strong>Rent Controls</strong></p>
<p>Rent controls have long proven to be counterproductive. New sweeping rent controls in California and New York are only likely to prove the same. Investors have been buying up record amounts of property in the anticipation of bumping up rents, or flipping them to institutional investors for yields. Now those profits have been cut off. Lenders don’t want to loan on such deals, and those with commercial loans that are maturing could find themselves in trouble.</p>
<p><strong>Consumer Debt</strong></p>
<p>When regulators cut off the appeal and safety of making mortgage loans to retail home buyers, those with the capital found new ways to deploy their money. Consumer debt has been one of the biggest buckets. They have few rules in this space, and can charge so much more interest and fees. Then as usual, when people begin using these credit lines, creditors cut them off, sending credit scores diving and these borrowers into a downward spiral. That can also cut many homeowners off from home equity lines and prevent them from refinancing and tapping equity, even though they may have recently invested a lot of this credit in improving their homes.</p>
<p><strong>Taxes</strong></p>
<p>Some areas have been experiencing a whole new spree in taxes over the past few years. Look at NY. Following the cap on state and local tax deductions, they’ve been hit with online sales taxes, mansion taxes, new real estate transfer tax hikes, and higher annual property taxes. That could be just the tip of the iceberg depending on which way the election goes in November. Many people haven’t been prepared for all these tax hits.</p>
<p><strong>Destruction Of The New Remote Working Economy</strong></p>
<p>A new California law may have just put an end to the new freelance and remote working economy. The new law has given businesses the choice between treating freelance talent as full time in house employees, with all the risk and cost that brings, or to conduct mass layoffs. Most seem to be choosing the latter. Thousands of truck drivers could be out of work. Media companies are laying off hundreds of workers. Much of the California economy and tech industry have been relying on this type of talent to operate and make profits. Should this roll out to other states the impact will be even worse. Freelancing platform Upwork alone has some 12 million freelancers. As many as 60% of all workers in places like Brooklyn are believed to be remote workers. These workers have made unemployment numbers look low for years. If that type of employment is gone, what’s going to happen with a 60% unemployment rate? How about even a 16% unemployment rate? How are all of these people going to be able to pay their mortgages?</p>
<p><strong>Failed New Construction Projects</strong></p>
<p>In the long term we may still be far under the level of housing we need. Yet, builders have been focused on high end luxury product and smaller and smaller units. Thousands and thousands of these units squeezed into small urban areas are going unsold. Some have remained on the market for four years already. They are too expensive or just don’t fit what buyers are looking for. Sooner or later more of these developers are going to be foreclosed on.</p>
<p><strong>Failed Investors</strong></p>
<p>It’s been great to see the thousands of investors who have been inspired to get into real estate and mortgage debt over the past decade. Yet, many have been purely speculating. They are trying wholesaling, are bankrupting themselves on house flips without knowing what they are doing, or have bought into the pitch that it is only about cash flow. Many are only weeks away from broke. A couple of stalled closings and they are going to be in trouble.</p>
<p>As a forward thinking note investor, these are all huge opportunities to help others and make some great profits in the process.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p>Image by<span> </span><a href="https://pixabay.com/users/TeroVesalainen-809550/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2056023" rel="nofollow noopener noreferrer" target="_blank">TeroVesalainen</a><span> </span>from<span> </span><a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2056023" rel="nofollow noopener noreferrer" target="_blank">Pixabay</a></p>Can You Micro Flip Mortgage Notes?tag:realty411mag.com,2019-12-31:5727801:BlogPost:633752019-12-31T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" rel="noopener" target="_blank"></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/3819119564?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3819119564?profile=RESIZE_710x" width="250"></img></a> <a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" rel="noopener" target="_blank"></a>There’s a lot of talk about micro-flipping real estate out there. But can you micro-flip mortgage…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" target="_blank" rel="noopener"></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/3819119564?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3819119564?profile=RESIZE_710x" width="250" class="align-left"/></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814414120?profile=original" target="_blank" rel="noopener"></a>There’s a lot of talk about micro-flipping real estate out there. But can you micro-flip mortgage notes?</p>
<p><strong>The Micro-Flipping Craze</strong></p>
<p>If you’ve Googled anything to do with real estate lately, you’ve probably been inundated with ads for micro-flipping. Almost every podcast, email and social post out there is talking about the same micro-flipping stories.</p>
<p>It’s a great twist of phrase on a very old strategy. Some people have been doing extremely well at it for years. So, what is it? What are the pros and cons? Can you apply it to notes instead? If so, why should you?</p>
<p><strong>What Is Micro-Flipping?</strong></p>
<p>Micro-flipping is the new term for wholesaling real estate. Wholesaling means buying or contracting to buy a property, and then assigning your contract or flipping it as-is, without doing any rehab work. If you have a good buyers list and connections, or can do this effectively online, you can be in, out and paid fast. It’s a high volume sport.</p>
<p>This has been made a lot easier thanks to all the access to data and software and online platforms we have today.</p>
<p>This form of real estate investing is made to sound super easy. That may be luring in a lot of people who think it is a lot easier than it really is. Not everyone is going to get the results they were sold on. Some will find it the easiest and fastest money they’ve ever made.</p>
<p>The real con of this strategy is that everyone is being sold on trying it. At least tens of thousands of people are sold on using the same software, data and marketing to do this. So, what you get is a lot of people bidding on the same deals, trying to sell them to the same buyers, and engaging in long broker chains. You don’t make money when you are running with the herd.</p>
<p><strong>How To Flip Mortgage Notes</strong></p>
<p>So, what if you could apply the same benefits of micro-flipping houses to the less crowded mortgage note space?</p>
<p>There are at least four ways to try this:</p>
<ol class="numbered">
<li>1. Acquire individual mortgage notes and flip them as-is for a reasonable markup</li>
<li>2. Buy pools of mortgage notes at deeper discounts than others can, and sell the individuals notes for more</li>
<li>3. Acquire non-performing loan notes, work them out, resell them as more valuable reperforming notes</li>
<li>4. Use non-performing notes as an avenue to acquire the collateral property and wholesale that to all of these new micro-flippers</li>
</ol>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p><span>Photo by </span><a href="https://unsplash.com/@lobostudiohamburg?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" rel="nofollow noopener noreferrer" target="_blank">LoboStudio Hamburg</a><span> on </span><a href="https://unsplash.com/?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" rel="nofollow noopener noreferrer" target="_blank">Unsplash</a></p>Where The Mortgage Notes Are Nowtag:realty411mag.com,2019-12-17:5727801:BlogPost:636312019-12-17T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3774968161?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3774968161?profile=RESIZE_710x" width="250"></img></a> Where are the mortgage notes for investors now?</p>
<p>The last few years saw some compression of yields and increased challenges in finding profitable notes and attractive returns for investors. There are deals out there, and there could be many more coming up, if you know where to look.</p>
<p>Biggest Multifamily Servicers</p>
<p>Multifamily loan…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3774968161?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3774968161?profile=RESIZE_710x" width="250" class="align-left"/></a>Where are the mortgage notes for investors now?</p>
<p>The last few years saw some compression of yields and increased challenges in finding profitable notes and attractive returns for investors. There are deals out there, and there could be many more coming up, if you know where to look.</p>
<p>Biggest Multifamily Servicers</p>
<p>Multifamily loan originations have been setting new records over the past few years. For those seeking to tap into bulk pools of notes, these are the largest commercial loan services in the multifamily space now.</p>
<ol>
<li>Wells Fargo $682B</li>
<li>PNC $655B</li>
<li>Keybank $273B</li>
<li>Berkadia $268B</li>
<li>CBRE $208B</li>
</ol>
<p>New York</p>
<p>Every real estate market in America is unique. Each is at its own phase in the larger cycle and has its own dynamics. New York unfortunately, appears to have fallen over a cliff into a new mess.</p>
<p>In the long run people from all over the world will always want to live in NY. Yet, whether it is crazy new mansion taxes, transfer taxes, sky high and rising property taxes, and taking away tax breaks, or overbuilding and lack of fit for the market, certain segments of the Empire State’s real estate market seem to be in free fall mode.</p>
<p>Retail vacancies are turning once popular shopping strips into apocalyptic looking ghost towns. 25% or more of new condos built since 2013 still aren’t sold. Median residential sales prices have fallen 17% year over year.</p>
<p>Some very big dealmakers have recently lost properties worth tens of millions of dollars to foreclosure. There may be more individuals who decide it is easier to walk away than to stomach owing far more on their homes than they are worth. So, from commercial mortgage notes to residential ones, there is plenty of opportunity to grab assets and debt at a discount.</p>
<p>Hot Flipping Cities</p>
<p>Watch the cities which have been among the hottest for flipping houses over the past few years. In some cases property prices tripled since 2008, with modest homes going from $50k to being flipped for $150k. There may be some substantial roll back in those prices coming. Those stuck with inventory may present prime opportunities for acquiring the property or debt at a discount.</p>
<p>Many new investors have tried to jump on the house flipping bandwagon inspired by ‘reality’ TV shows. Most new investors struggle with the big learning curve, and make way less than expected. They don’t have the expertise, teams, and systems to do it efficiently and are getting stuck. There will be plenty of private money loans up for sale that are backed by these properties.</p>
<p>The economy we live in is changing rapidly too. We are going through one of the most massive shifts in history. 80% of jobs are changing. Many property owners and buyers have over leveraged themselves in the past few years, and have been relying on outdated industries and jobs to pay the bills. Those who don’t adapt fast enough will lose their homes, unless they are fortunate enough for a new note holder to come along and provide a reasonable and attractive workout.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Copyright: <a href="http://www.stockunlimited.com/" rel="noopener nofollow" target="_blank">Image by StockUnlimited</a></p>How Much Of A Threat Are Zillow & The New iBuyers?tag:realty411mag.com,2019-12-02:5727801:BlogPost:636322019-12-02T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<div class="ember-view" id="ember60"><div class="reader-article-content" dir="ltr"><p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814433413?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814433413?profile=RESIZE_710x" width="250"></img></a> A new breed of iBuyers have their sites on transforming and taking over the real estate industry. How much of a threat are they really?</p>
<p>Hundreds of millions of dollars are being thrown into this new real estate strategy, and some of the most powerful companies are behind…</p>
</div>
</div>
<div id="ember60" class="ember-view"><div dir="ltr" class="reader-article-content"><p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814433413?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814433413?profile=RESIZE_710x" width="250" class="align-left"/></a>A new breed of iBuyers have their sites on transforming and taking over the real estate industry. How much of a threat are they really?</p>
<p>Hundreds of millions of dollars are being thrown into this new real estate strategy, and some of the most powerful companies are behind it. Should smaller real estate investors be worried?</p>
<p>The Rise of the iBuyer</p>
<p>‘iBuyers’ are the new name given to online home buyers who promise owners and sellers a quick transaction. The pitch is generally a cash offer and fast closing. While there are many small wholesalers across the country which may fall into this category, most notable are the big giants.</p>
<p>Zillow has moved into this space with its Zillow Offers program. Opendoor has attracted hundreds of millions of dollars in investment capital from funds like Softbank. Opendoor has also partnered with brokerage Redfin to buy up homes. Offerpad has partnered up with Keller Williams. Opendoor has also partnered up with home builder Lennar to promise a seamless transaction to cash in your old home and upgrade to one of Lennar’s newly built homes.</p>
<p>Buying the Business & Manipulating the Market</p>
<p>Zillow is notorious for losing billions of dollars in attempts to buy up different segments of the market. Their plans call for very slim margins and fast house flips. Opendoor smells a lot like other Silicon Valley startups which may be happy to lose a lot of money to push their competition out of the market.</p>
<p>Zillow is particularly worrisome due to how much influence they have over perceptions of home values. It’s easy for them to manipulate prices down when they want to buy, and up when they want to sell.</p>
<p>When you have a billion dollars to blow, it is pretty easy to artificially influence market prices in a given area and drown out the competition.</p>
<p>It’s something to watch.</p>
<p>Threat to the Economy</p>
<p>Perhaps the biggest threat these giant iBuyers present is to the housing and financial markets and the economy in general. While they may not yet be buying more than a few thousand properties each year, if they fail, they could leave many properties in foreclosure, cause huge losses for their investors, Wall Street and stockholders, and help vaporize billions of dollars from the economy.</p>
<p>These companies do not yet seem to have the experience to do this well. Their margins are slim. They could get stuck with a lot of inventory. Of course, this could be a great thing for those looking to buy up real estate in bulk.</p>
<p>Are iBuyers a Threat to Smaller Investors?</p>
<p>These giants may be of more help to smaller investment firms and individual investors than most realize.</p>
<p>It is true that they have a lot of advertising power and they may be happy to overpay for properties and can afford to outbid you. Yet, there is still a lot of room for everyone else.</p>
<p>To start, they are normalizing this form of buying and selling houses, which is great for everyone else.</p>
<p>So far the data shows that around 50% of offers they make are turned down by sellers. Plus, they charge hefty fees for the privilege of selling to them. Often 7% of the sales price or more. They still haven’t fully automated, meaning the process is much more traditional, involving inspections and Realtors, than they let on. Many sellers are going to be resistant to the fact that companies like Zillow are going to low ball them, and then put the listing on their own site for a profit the next day.</p>
<p>More significantly, these giants are moving slow. They are only in certain cities. Their buying criteria is pretty narrow. That leaves a lot of units for others to buy up. They may be generating a massive amount of Realtor leads in this way, but smart investors can leverage this noise to their own benefit.</p>
<p>Lastly, these iBuyers could become major buyers of your own real estate product too. Find the deals at the right prices and instantly flip them to Zillow and Opendoor.</p>
<p>It’s all about knowing who is in your market, what they are buying and for how much, and how you can use that to your own advantage.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" target="_blank" rel="nofollow noopener">NNG Capital Fund</a></p>
<p><span>Image by <a href="https://pixabay.com/users/athree23-6195572/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3692440">athree23</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3692440">Pixabay</a></span><span> </span></p>
</div>
</div>
<div class="reader-flag-content__wrapper mb4 clear-both"></div>A New Era Of Zero Interest Rates?tag:realty411mag.com,2019-11-20:5727801:BlogPost:635672019-11-20T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3722155579?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3722155579?profile=RESIZE_710x" width="250"></img></a> We could soon be in a new era of zero interest rates. What will it mean for investors, the markets and you?</p>
<p>Could We Have Negative Interest Rates?</p>
<p>The president has been pushing for lower interest rates. We could even potentially see zero rates and even negative interest rates. The fed already recently cut key rates, and more reductions could…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3722155579?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3722155579?profile=RESIZE_710x" width="250" class="align-left"/></a>We could soon be in a new era of zero interest rates. What will it mean for investors, the markets and you?</p>
<p>Could We Have Negative Interest Rates?</p>
<p>The president has been pushing for lower interest rates. We could even potentially see zero rates and even negative interest rates. The fed already recently cut key rates, and more reductions could come in 2020. This may sound crazy at first, but it has been done around the globe at various times and has worked.</p>
<p>While everyone enjoyed pointing fingers at different parties in the wake of 2008, one of the biggest factors that actually caused the crash was rising interest rates. If they get it right this time, lowering rates could help the economy remain afloat and avoid falling into the abyss again.</p>
<p>The Impact</p>
<p>The most widespread outcome of this is it costing people to have money in the bank. It probably already does when you add up all the fees and charges. Yet, when banks start charging every interest for having money on deposit, there is going to be a massive need to find somewhere else to park money and invest it. Real estate is of course a nice solid alternative. Cutting out the banks as the middleman and directly investing in mortgage notes and funds can also be a smart way to turn those losses into net gains.</p>
<p>Negative interest rates also mean it will cost banks and lenders to make loans. The negative interest is applied to paying down your outstanding balance each month. There are other ways lenders can make up for this money, but clearly they will be pickier about who they loan to.</p>
<p>Perhaps most significantly for investors, a new period of mortgage originations with near zero or negative rates means soaring appeal and demand for older higher rate notes, including nonperforming and re-perfoming loan notes. 8% and even 4% notes will become far more valuable.</p>
<p>Those who acquire those assets early stand to win big as this unfolds.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Copyright: <a href="http://www.stockunlimited.com/" rel="noopener nofollow" target="_blank">Image by StockUnlimited</a></p>Commercial Mortgage Lending to Get a Big Boosttag:realty411mag.com,2019-11-04:5727801:BlogPost:636332019-11-04T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814444915?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814444915?profile=RESIZE_710x" width="250"></img></a> Commercial mortgage lending could clock in another record year for 2019, and see billions more deployed in 2020.</p>
<p>The smart money is bullish on commercial real estate lending and debt. Big players plan to increase their stake in this sector in the months ahead. That could be a great thing for real estate investors of all sizes, and provide new…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814444915?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814444915?profile=RESIZE_710x" width="250" class="align-left"/></a>Commercial mortgage lending could clock in another record year for 2019, and see billions more deployed in 2020.</p>
<p>The smart money is bullish on commercial real estate lending and debt. Big players plan to increase their stake in this sector in the months ahead. That could be a great thing for real estate investors of all sizes, and provide new opportunities for those navigating the space between distressed assets and new capital eagerly waiting to be put to work.</p>
<p><strong>Who is Funding CRE Deals Now</strong></p>
<p>According to the<span> </span><a href="https://urbanland.uli.org/capital-markets/u-s-commercial-real-estate-lenders-expect-a-strong-2019/">Urban Land Institute</a>:</p>
<ul>
<li>Banks still fund 40% of all CRE debt each year</li>
<li>Government sponsored agencies take up 22% of the market</li>
<li>Commercial mortgage backed securities make up 16% of the market</li>
<li>Debt funds and nonbank lenders account for 11% of lending</li>
<li>Life insurance companies make up 10%</li>
</ul>
<p><strong>CRE Lending Rising</strong></p>
<p>As of the middle of 2019 all commercial mortgage debt totalled $3.5T. Commercial and multifamily mortgage lending grew 10% year over year through the second quarter of 2019, and 29% between Q1 and Q2 according to the<span> </span><a href="https://www.mba.org/2019-press-releases/august/commercial/multifamily-borrowing-increased-10-percent-in-the-second-quarter">Mortgage Bankers Association</a>. There was a 32% rise for multifamily loans specifically. 42% of the loans made in the first half of the year were<span> </span><a href="https://www.globest.com/2019/09/24/debt-funds-overtake-life-cos-in-commercial-mortgage-lending/?slreturn=20190902173600">refinances</a>.</p>
<p>With the stock market still frothy, the political chaos only heating up, and the residential mortgage lending market hampered by overregulation, even more capital is likely to find its way into commercial mortgages over the next 12 months.</p>
<p>Life insurance companies in particular are preparing to ramp up their activity. Total multifamily loan originations are expected to hit yet another record high in 2020 according to coverage by<span> </span><a href="https://www.housingwire.com/articles/50165-life-insurance-companies-to-fuel-multifamily-surge-in-2020/">Housing Wire</a>. Life insurance companies have said they hope to add $50B to $120B in multifamily loans to their portfolios. Even a $10B increase would mean a 30% rise in the total for multifamily lending compared to 2018.</p>
<p><strong>Opportunities For Real Estate & Debt Investors</strong></p>
<p>All of this capital means liquidity for investors. Especially in the form of cheap money. At the same time there are some sizable gaps in the market.</p>
<p>Keep an eye on maturities. The last few years of sprinting and new investors trying to graduate to multifamilies, without much thought for short deadlines and the need to refinance and restructure debt could present some opportunities.</p>
<p>There are also many borrowers struggling on prime properties that could be ripe for conversions.</p>
<p>The smart money is definitely in, but it needs active investors to put it to work for them.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a><br/><br/>Copyright:<span> </span><a href="http://www.stockunlimited.com/" rel="nofollow noopener noreferrer" target="_blank">Image by StockUnlimited</a></p>Is Airbnb the Secret to Re-Performing Mortgage Notes?tag:realty411mag.com,2019-10-22:5727801:BlogPost:635682019-10-22T15:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814448934?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814448934?profile=RESIZE_710x" width="250"></img></a> Could Airbnb be the best tool available to help investors turn NPLs into more valuable, cash flowing reperforming notes?</p>
<p>My team has done a lot of crazy things to help out our borrowers over the years. We’ve acquired tapes upon tapes of non-performing mortgage notes. We’ve been able to maintain an extremely high workout rate. It’s great when you are…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814448934?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814448934?profile=RESIZE_710x" width="250" class="align-left"/></a>Could Airbnb be the best tool available to help investors turn NPLs into more valuable, cash flowing reperforming notes?</p>
<p>My team has done a lot of crazy things to help out our borrowers over the years. We’ve acquired tapes upon tapes of non-performing mortgage notes. We’ve been able to maintain an extremely high workout rate. It’s great when you are able to help someone keep a roof over their family’s head. Especially when that also creates a win for all of the investors involved. That can take going above and beyond, and we do that.</p>
<p>We’ve helped delinquent borrowers find resources to get back on track with their utilities and get their monthly finances in order. We’ve even helped them get jobs.</p>
<h3>Airbnb</h3>
<p>Airbnb is expected to be heading for an imminent IPO, with a valuation of almost $40B. They have millions of listings and hundreds of millions of guests each month. According to<span> </span><a href="https://muchneeded.com/airbnb-statistics/">Airbnb’s own stats</a>, the average rent per night in some cities is $214. In many cities Airbnb reports that property owners can achieve 90% to 106% of median area monthly rent for a whole 2 bedroom apartment, just by renting out one spare room on Airbnb, around 60% of the month. Remember that median rents are now frequently much more expensive than mortgage payments.</p>
<p>Meanwhile, in New Jersey, 1 in every 499 housing units was in foreclosure in June 2019. Statewide, those<span> </span><a href="https://www.realtytrac.com/statsandtrends/foreclosuretrends/nj/">foreclosure numbers</a><span> </span>may be down month over month and year over year, but they’re still looking very much like 2008 numbers.</p>
<p>In other places like Naples, FL, bank owned properties have recently surged 150%.</p>
<p>At the same time we are just coming off peak home values and equity in this cycle. That’s something no homeowner should want to lose.</p>
<h3>The Fix</h3>
<p>So, think about it. If a borrower could rent out a spare room and cover 90% of their mortgage payment, wouldn’t that be an incredible win-win?</p>
<p>That would get most mortgage borrowers back on track. Especially if you can modify their loan and roll in any delinquent amounts.</p>
<p>That converts a loan that is on the brink of, or in foreclosure and headed into legal hell, into a strong cash flowing note and more valuable asset for the note holder. It can be kept, or seasoned and resold for great profit thanks to the value add bump.</p>
<p>In other cases, it may even be renting out an air mattress or room on the couch on Airbnb, or renting out the entire home if it is already vacant.</p>
<h3>The Challenges</h3>
<p>Why aren’t all borrowers doing this already?</p>
<p>Awareness is still a big one. Many don’t know they can do it or haven’t thought of it. So, education is key. Some haven’t really laid out the decision between the inconvenience of renting out a room some of the month, versus losing everything and having to beg to stay on someone else’s couch themselves.</p>
<p>Some may feel it is a management and hosting issue, but there are companies that handle that too.</p>
<p>It’s worth bringing up, and considering. How many homes and notes could be saved this way?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p>Image by<span> </span><a href="https://pixabay.com/users/InstagramFOTOGRAFIN-5746148/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3399753">InstagramFOTOGRAFIN</a><span> </span>from<span> </span><a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3399753">Pixabay</a> </p>How To Get Back Your Passion For Real Estatetag:realty411mag.com,2019-10-09:5727801:BlogPost:637062019-10-09T15:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814454364?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814454364?profile=RESIZE_710x" width="250"></img></a> Want to feel that real passion for real estate investing again?</p>
<p>Whether you got stuck spinning your wheels before you really got started, have taken an extended break or are just going through the motions now that the money is coming in too easily, it’s important to keep your passion on high.</p>
<p>If you’re not passionate about what you are doing,…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814454364?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814454364?profile=RESIZE_710x" width="250" class="align-left"/></a>Want to feel that real passion for real estate investing again?</p>
<p>Whether you got stuck spinning your wheels before you really got started, have taken an extended break or are just going through the motions now that the money is coming in too easily, it’s important to keep your passion on high.</p>
<p>If you’re not passionate about what you are doing, people will notice, and it won’t be long before things start to slide. You can lose your passion from discouragement or just because you’ve automated everything and it’s become dull.</p>
<p>Whether you crave getting that mojo back or you just want to be sure you are maintaining it, try these strategies…</p>
<p>Remember Your Why</p>
<p>Why were you investing in real estate or what excited you about it in the first place?</p>
<p>Maybe it was for your lifestyle or for your family, or to help other people. Chances are that you haven’t crossed the finish line yet. You may have run into challenges, or it may have become very transactional. Yet, the odds are that you haven’t made enough money to future proof your family wealth for the next few generations yet. You probably haven’t run out of people to help.</p>
<p>Remember your why. Realize there is still a lot to do. Get moving on that.</p>
<p>Set Bigger Goals</p>
<p>You can make a million dollars a month in real estate and get bored. There is only so much shopping and golf you can do. Set bigger goals.</p>
<p>You might be the biggest investor in your town, in your niche or even Manhattan. There is still more that can be achieved.</p>
<p>It doesn’t have to be about the money. It’s more about knowing you’ve really pushed the limits as far as they can go.</p>
<p>Billion dollar companies are almost becoming common. If a billion is too small for you, then think globally. Can you build a portfolio of income properties in every state or country or major city? Can you diversify your brand from just flipping houses to new construction or something else?</p>
<p>You don’t have to do it all yourself. Ask who you can connect with, align with or hire to get you there.</p>
<p>Hang Out With Amazing People</p>
<p>It’s important to spend time with your peers and passing on your learnings to help others. Firstly though, be sure to spend a third of your time with inspiring and uplifting people who will challenge you to level up your game. Do that and everything else on this list should fall into place. And if you can’t do so in person for some reason, engage on social media, tune into a great podcast every week, and find ways to do it virtually.</p>
<p>Do Something New</p>
<p>Constantly doing new things is important. It has countless mental and physical benefits. It will also fuel your passion in a variety of ways.</p>
<p>Maybe you’ll travel and have your eyes opened to just how much real estate there is out there. Or you’ll realize how much you really love home.</p>
<p>Find new ways to look at real estate. Take the plunge into new asset classes and strategies. You may find something you are even more passionate about once you taste it.</p>
<p>Go take on new activities and meet new people. Treat yourself to new adventures. Otherwise what’s the point of it all?</p>
<p>Ask Who You Can Help</p>
<p>We tend to lose our passion when we focus too much on ourselves. Instead, ask who you can help. Get out there and ask everyone how you can help them in regards to real estate.</p>
<p>Who can you help find a home? Sell a home? Generate more income from real estate? Diversify their portfolio? Raise money?</p>
<p>Challenge yourself to deliver. Push your limits. You may find it incredibly rewarding and a new fuel for your passion.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/PublicCo-5009832/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2211335" rel="noopener nofollow" target="_blank">Public Co</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2211335" rel="noopener nofollow" target="_blank">Pixabay</a> </p>What Is A Real Estate Syndication?tag:realty411mag.com,2019-09-24:5727801:BlogPost:633762019-09-24T15:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814458294?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814458294?profile=RESIZE_710x" width="250"></img></a> Real estate syndications are a term that is trending again. What are they?</p>
<p>Among the real estate investment opportunities on the landscape today are real estate syndications. How do they work? What are the advantages of syndicated real estate deals? How are they different from other investment strategies, and who are they for?</p>
<p><strong>Real…</strong></p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814458294?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814458294?profile=RESIZE_710x" width="250" class="align-left"/></a>Real estate syndications are a term that is trending again. What are they?</p>
<p>Among the real estate investment opportunities on the landscape today are real estate syndications. How do they work? What are the advantages of syndicated real estate deals? How are they different from other investment strategies, and who are they for?</p>
<p><strong>Real Estate Syndications 101</strong></p>
<p>Syndications is basically another word for partnerships.</p>
<p>A syndication is an industry or technical term for when investors partner together to acquire, improve, manage and dispose of real estate assets together.</p>
<p>The one main difference between syndications and other types of partnerships is that there is generally one active partner to the deal. Also known as the ‘sponsor’. The sponsor is the one with the experience, connections, teams and systems to handle everything. The other partners bring their capital. Everyone shares in the rewards.</p>
<p>Syndications can be large or small, have few or many partners, and can partner on everything from pools of mortgage notes to value add multifamily apartment deals to ground up new construction projects.</p>
<p><strong>Who Are Real Estate Syndications For?</strong></p>
<p>Real estate syndications are typically reserved for accredited investors. Meaning those with higher levels of income or solid net worth.</p>
<p>This can include highly paid professionals like doctors, lawyers and tech workers. As well as celebrities, athletes, lottery winners and heirs to sizable inheritances. Entrepreneurs, family offices and real estate or private equity funds also often participate.</p>
<p><strong>How Are Syndications Different?</strong></p>
<p>The main differentiator of a syndication is that everything is done for you and you tend to get a split of all the profits, in contrast to investments where you may just receive a yield.</p>
<p>For example, a syndication for mortgage notes or apartment buildings may pay out cash flow dividends as income comes in, and then distribute a share of the gains on exit. So, you may get a percentage of the rents every quarter, and then a slice of the pie when resold. There are many combinations possible. For example a 90/10 split would mean the sponsor gets 10% of the profits and the other partners split the first 90%.</p>
<p>If you are an accredited investor, syndications can be highly attractive in providing a more direct investment and larger share of profits than simple investing in a fund or stock, and yet don’t require the time and headaches and risk of flipping houses or managing your own rentals or note workouts.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a><br/><br/>Copyright:<span> </span><a href="http://www.stockunlimited.com/">Image by StockUnlimited</a></p>5 Ways of Getting $10M to Invest in Real Estatetag:realty411mag.com,2019-09-09:5727801:BlogPost:637072019-09-09T15:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3548892602?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3548892602?profile=RESIZE_710x" width="250"></img></a> Need more money to invest in real estate? Where can you get another $10M in capital from?</p>
<p>The ironic thing about money for real estate is that you rarely have too much of it. You can for a little while, especially if you’ve raised a lot and have your latest deal oversubscribed to. It’s happened to many funds recently. Though sooner or later, the reason…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3548892602?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3548892602?profile=RESIZE_710x" width="250" class="align-left"/></a>Need more money to invest in real estate? Where can you get another $10M in capital from?</p>
<p>The ironic thing about money for real estate is that you rarely have too much of it. You can for a little while, especially if you’ve raised a lot and have your latest deal oversubscribed to. It’s happened to many funds recently. Though sooner or later, the reason for not doing more always comes back to “If only I had a little more money I could…”</p>
<p>Maybe you want to take down a big commercial building, or need to have millions to earn a seat at the table and ability to bid on the note pools and bulk REO deals with the most profit. Or perhaps $10M is just the next milestone you’ve set for yourself. Where do you get it?</p>
<p><strong>Commercial Real Estate Loans</strong></p>
<p>$10M is a very small number in commercial real estate. In fact, there are many, many lenders who don’t want to touch small balance deals for less than that. It’s their minimum loan amount.</p>
<p>You may have to find a great deal with lots of equity, or raise $1M for down payment, but this kind of money is out there to borrow.</p>
<p><strong>Real Estate Crowdfunding</strong></p>
<p>This can be done publicly or privately, and for debt or equity or even donations. If a prototype for an off brand smart watch (not even Apple) can raise $10M in a few hours on a crowdfunding platform like Kickstarter, shouldn’t you be able to raise a lot more than that for some prime real estate with great yield or value add potential?</p>
<p>Here’s the thing. Most crowdfunding campaigns fail. Either because there was no strategic roll out, or the organizers didn’t have the marketing budget designated to invest in it. It might cost you $100k or $1M to raise $10M, but that may still be worth it.</p>
<p><strong>Partnerships & Syndicates</strong></p>
<p>Partnerships are probably the most obvious way to raise capital to invest in real estate. At least after loans. Depending on who your contacts are, that may come in $50k or $1M or $5M increments.</p>
<p>If just being involved in a deal of this size is what you want, then maybe you don’t even need the $10M. Maybe you can put your $1M into an existing syndication with the right connections, management and systems in place - and benefit from big deals like this, without having to raise money at all. You might even be the one getting the preferred return, without any of the work.</p>
<p><strong>Launch a Startup</strong></p>
<p>As crazy as it may seem, there are still billions of dollars being plowed into startups. It may make little sense given the risk of volatility and how poor and low value you think the ideas that are being funded are. So, why not do better than them? If you can make contacts that want to invest in startups instead of just real estate, give them a startup to put their money into. You can call it a tech company in the real estate space, or a real estate or finance or fintech startup. Put a nice appealing twist on it, get help with a great pitch deck and float the opportunity.</p>
<p><strong>Make $100M for Someone Else</strong></p>
<p>If you make $100M for someone else, they shouldn’t have a problem cutting you a check for 10% of that, right?</p>
<p>Maybe you don’t want to do all the work involved in acquiring, managing and disposing of $100M worth of real estate. Yet, it may be far easier to help someone else raise that kind of money, sell that much real estate or buy that much property. Then get some reasonable compensation for that. Or you can leverage arbitrage and invest that money into another fund and keep your slice. Then you can invest your $10M in whatever you like.</p>
<p>It’s not that much when you really start looking at the numbers. That much property can change hands in a day in Manhattan alone. These days $1B seems to be the new minimum property price tag for Google and Apple. $100M is loose change for them.</p>
<p><em>How will you raise your next $10M?</em></p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p><br/>Copyright:<span> </span><a rel="nofollow" href="http://www.stockunlimited.com/">Image by StockUnlimited</a></p>The Most Lucrative Time of Year for Real Estate Investors is...tag:realty411mag.com,2019-08-26:5727801:BlogPost:637082019-08-26T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814467009?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814467009?profile=RESIZE_710x" width="250"></img></a> What’s the best time of year to invest in real estate?</p>
<p>There are macro cycles which can influence buying and selling, but every year has its own seasons and peaks for investors too. Experienced investors know that there can be spikes in listings as summer approaches, prices tend to soften in mid fall, and the end of the year can be chaos for closings.…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814467009?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814467009?profile=RESIZE_710x" width="250" class="align-left"/></a>What’s the best time of year to invest in real estate?</p>
<p>There are macro cycles which can influence buying and selling, but every year has its own seasons and peaks for investors too. Experienced investors know that there can be spikes in listings as summer approaches, prices tend to soften in mid fall, and the end of the year can be chaos for closings. So, when is the best time to invest?</p>
<p>Most investors have to invest all year round to stay consistent. There will always be deals and buyers if you know where to look and have the connections. There may be sweet spots for making acquisitions in Q4, and for cashing out in Q2. Yet, many overlook these few weeks when both sides of the market can work in your favor…</p>
<p>The Secret Ingredient for Lucrative Real Estate Deals</p>
<p>What’s the number one factor that drives value for investors? Motivated sellers and buyers, right?</p>
<p>If they aren’t motivated and have that sense of urgency to buy or sell, then it is hard to find value and negotiate truly profitable deals. There is one time of year though, when both sides can be highly motivated. And that’s back to school time. There are a few weeks at the end of summer break when there are millions of households who are highly motivated to cut deals.</p>
<p>Sellers who haven’t sold during the peak spring and summer season may desperately need to exit and get out of mortgages and homes as they move into new ones they bought. Others have sold or given notice on leases, hoping to secure housing in a new school district before the school year starts. Some need to both buy and sell. This also applies to leasing for landlords as well.</p>
<h3>Types of Opportunities Available</h3>
<ul>
<li>Last minute leasing where speed of getting in is more important than price</li>
<li>Rental properties which have recently lost a significant amount of tenants</li>
<li>House flippers who are nervous their product hasn’t sold</li>
<li>Sellers who are now juggling two properties and two mortgages</li>
<li>Buyers who have cash from a recent sale, but need to be in a good school district</li>
</ul>
<p>This can be a great time to exit mature investments you’ve been holding for a while, to pick up new ones, and/or even rapidly acquire and flip properties.</p>
<p>How will you take advantage of it?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p>Photo by<span> </span><a href="https://unsplash.com/@profwicks?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Ben Wicks</a><span> </span>on<span> </span><a href="https://unsplash.com/?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></p>Who Is Real Estate Fund Investing For?tag:realty411mag.com,2019-08-14:5727801:BlogPost:633772019-08-14T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3425960991?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3425960991?profile=RESIZE_710x" width="250"></img></a> Who is investing in real estate funds best for?</p>
<p>There are many ways to invest in real estate. You can try to fix and flip houses DIY style, do the Airbnb thing, rent multifamily apartments to students, and buy mortgage notes. Then there is simply investing in the real estate funds that do these things. Who is fund invest ideal for compared to these…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3425960991?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3425960991?profile=RESIZE_710x" width="250" class="align-left"/></a>Who is investing in real estate funds best for?</p>
<p>There are many ways to invest in real estate. You can try to fix and flip houses DIY style, do the Airbnb thing, rent multifamily apartments to students, and buy mortgage notes. Then there is simply investing in the real estate funds that do these things. Who is fund invest ideal for compared to these other strategies?</p>
<p>‘Slackers’</p>
<p>Being a hands on landlord, remodeling homes with your own hands and doing workouts with delinquent mortgage borrowers is real work. It may be more profitable than any other job you can do, but it is hard work. If you are drawn to invest in real estate for passive income and are not a big fan of taking big risks, then investing through a fund is probably for you.</p>
<p>Let someone else who has already gone through all the trial and error and years of trial by fire, and who has built teams to handle all the different parts of the business do it for you. You invest, relax and just enjoy the rewards. It’s not being lazy, just smart.</p>
<p>Busy Executives & High Income Earners</p>
<p>There are many workers out there right now who are making great money at jobs that keep them really busy. You might be a doctor, tech worker at Google, or a pilot. You get paid well, but work a lot. You know you can’t bet everything on your one employer, but don’t have time to take on another job or master direct real estate investing for yourself on nights and weekends.</p>
<p>A solid real estate fund can give you the diversification you need in your income and investments, without taking up more of your precious time and brain space. It may even ultimately be your best ticket to finally enjoying more time, without sacrificing the income and lifestyle you’ve been acquiring.</p>
<p>Entrepreneurs & Business Owners</p>
<p>Whether you’ve gone all in building a fantastic tech startup or small business, or are now exiting that company for millions of dollars, a real estate fund could be vital to your financial security.</p>
<p>Startups and small businesses have an extremely high rate of failure. There can be massive upside potential too. Yet, it is smart to have something to fall back on. A fund with tangible real estate collateral and passive income can be the ideal balance for a high risk venture which can be vaporized at anytime by macro economic factors or billion dollar competitors. If that happens, your fund investments can still ensure you’ll have an income and some assets to fall back on.</p>
<p>Similarly, if you’ve just sold your business for millions, you’ve got to manage that very wisely. Sure, throw some money into a new venture, take some time to travel and think about your next startup, and give a lot away. Just make sure you’ve stashed some in a solid investment that can provide some financial stability for you over the long term as well!</p>
<p>Other Real Estate Investors</p>
<p>Maybe you are already a very active real estate investor or owner of a successful real estate business. Maybe you are making plenty of money in wholesaling, flipping notes, or even build to rent. What those who survived (and didn’t) learned from 2008 was that having all your eggs in one basket can be catastrophic. There are big benefits of focused diversification. Meaning, real estate is great, but having multiple strategies in play can provide far better financial security and consistency. By all means focus on and master flipping houses in your area. Just balance that by leveraging others’ expertise in notes and income properties through a fund. Slice off a portion of each of your paydays into investments like these to protect your income and net worth over the long run.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Copyright: <a href="http://www.stockunlimited.com/" rel="noopener nofollow" target="_blank">Image by StockUnlimited</a></p>Future Proofing Your Money In Uncertain Timestag:realty411mag.com,2019-07-31:5727801:BlogPost:635692019-07-31T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3399168054?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3399168054?profile=RESIZE_710x" width="250"></img></a> Do you know where the markets are headed now? How can you future proof your money, even if you aren’t sure?</p>
<p>Where is the World Headed?</p>
<p>The beginning of 2016 seemed to spur an extended run in real estate and the economy. Then in 2018 it seemed that the stock market and real estate market became exceedingly frothy. Stocks and properties in some…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3399168054?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3399168054?profile=RESIZE_710x" width="250" class="align-left"/></a>Do you know where the markets are headed now? How can you future proof your money, even if you aren’t sure?</p>
<p>Where is the World Headed?</p>
<p>The beginning of 2016 seemed to spur an extended run in real estate and the economy. Then in 2018 it seemed that the stock market and real estate market became exceedingly frothy. Stocks and properties in some sectors where trading at great highs. Predictions of a new crash and deep recession seemed almost certain to play out. Yet, while there are certainly some cracks in the markets, the doom and gloom has really taken the country by storm. How long will it last? Or is this just the new norm?</p>
<p>Certain, Uncertainty</p>
<p>There’s a lot of uncertainty out there. There is a lot of confidence too. Yet, if we can be sure of one thing, it is that there is likely to be even more uncertainty through the next election, and well into 2021, depending on who wins.</p>
<p>Asset prices of tech stocks, commercial properties, and some residential ones do seem historically high. There are many factors delicately holding that in balance. Global politics, big stock market influencers, new trends in how we do business, new technology, and housing costs are some of them.</p>
<p>History suggests that everything will keep going up over the long run, but that it is also inevitable that there will be dips and corrections in various asset classes along the way. Yet, even the most experienced analysts and those with the most data seem to be having a hard time timing these fluctuations.</p>
<p>Future Proofing Your Money</p>
<p>There are a lot of factors that seem to be at odds with each other on the current landscape:</p>
<ul>
<li>Cryptocurrency investors betting against the dollar and stock market</li>
<li>Low unemployment versus new technology and robots replacing jobs</li>
<li>Low interest rates versus tightening lending</li>
<li>Rising housing costs versus rising numbers of properties with negative equity</li>
<li>High rents with institutional landlords eating up more of the housing market</li>
</ul>
<p>All stocks won’t vaporize permanently. Housing will be a constant need. Whether the economy continues to perform great or not, housing will just be in more demand.</p>
<p>The individual tactics and strategies that work will fluctuate over time. Some months may be better for flipping houses and mortgage notes, others for income properties, or private lending, and so on.</p>
<p>The key to success is investing in solid assets that produce passive income, and being diversified.</p>
<p>The problem is that most individual investors and even small real estate businesses can only realistically expect to really be good at one or maybe two strategies. You’ve got to master many things just to be an expert in notes. The same applies to wholesaling. Trying to master too many things on your own normally leads to being mediocre in all of them.</p>
<p>Instead, master your own business, and hedge your bets and future proof your money (income and net worth) by outsourcing investments in other categories.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Copyright: <a href="http://www.stockunlimited.com/" rel="noopener nofollow" target="_blank">Image by StockUnlimited</a></p>5 Factors Impacting The Real Estate Market Nowtag:realty411mag.com,2019-07-17:5727801:BlogPost:637092019-07-17T15:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3321947156?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3321947156?profile=RESIZE_710x" width="250"></img></a> What factors should real estate investors be watching for the second half of 2019 and beyond?</p>
<p>The residential real estate market in the US has continued to stay much stronger than expected. Though there are a variety of factors at play, which may influence opportunities through the rest of the year. Here’s what to watch over the next couple of…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3321947156?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3321947156?profile=RESIZE_710x" width="250" class="align-left"/></a>What factors should real estate investors be watching for the second half of 2019 and beyond?</p>
<p>The residential real estate market in the US has continued to stay much stronger than expected. Though there are a variety of factors at play, which may influence opportunities through the rest of the year. Here’s what to watch over the next couple of quarters…</p>
<p><strong>Hurricane Season</strong></p>
<p>Atlantic Hurricane season is here, and runs through November. Experts are calling for an average year with potentially more named storms that can deliver damage, but may not develop into full force hurricanes. Note investors, flippers, and landlords should all remain on alert and ensure their assets are insured and plans are in place to protect and recover from these storms.</p>
<p><strong>Tightening Lending</strong></p>
<p>While capital markets still seem flush, mortgage lending may continue to tighten. Those with capital have been oversubscribing to fund investment opportunities. While banks and other conduits have been pushing easier credit through alternative mediums, like personal loans and lines of credit. Still, government agencies have announced they are pulling back on easy credit in 2019, as they seek to stem defaulting notes, reduce exposure to high LTV loans, and manipulate the market by reducing demand, which has been pushing up asset values.</p>
<p>This may be more noticeable in some areas like NYC, where new rent regulations are scaring international investors, and could lead to commercial mortgage defaults if developers and landlords cannot refinance on maturity.</p>
<p><strong>High Level Market Intervention</strong></p>
<p>HUD Secretary Ben Carson recently spoke out in DC, suggesting more rezoning and expanded regulations to allow for more tiny homes and manufactured homes to help increase inventory and alleviate the affordable housing crisis.</p>
<p><strong>Big Landlords Go Bigger</strong></p>
<p>Multifamily apartment investing is still being viewed as one of the safest and most reliable moves by all types of investors. Big funds have dropped billions of dollars on expanding income property portfolios this year. Now they are joined by the largest global tech companies like Microsoft, Google and Facebook, who are increasingly investing hundreds of millions of dollars in workforce housing. It offers them a great way to hedge their bets on their on stock and growth, with potential tax breaks, and new income sources should the economy flinch. </p>
<p>At the same time these moves may be taking even more stock out of the housing pool, forcing more to rent, or at least hiking up the prices of remaining homes for those who want to buy and stop paying rent.</p>
<p><strong>The Effects of New Technology</strong></p>
<p>New technologies have been helping real estate investors become far more efficient and profitable. Yet, rapidly emerging technologies are also ripe for disrupting the workforce and lifestyles. Around 80% of existing jobs can already be replaced by robots and machines. While that may not happen overnight, it is happening. There are already autonomous delivery robots and coffee shop baristas. For businesses to stay competitive, they will have to continue to keep up with their competitors in efficiency. This not only means a substantial decline in physical office and retail jobs, but potentially changing the neighborhoods which are most attractive to residents. Why live in Manhattan and pay the extreme prices, if most of the big fashion retailers and employers are leaving? Particularly, if you can make the same money while paying a fraction of that in housing elsewhere. At the same time, this could open up big opportunities for converting these commercial buildings to housing to alleviate inventory issues.</p>
<p>How are you staying ahead of these emerging factors?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Copyright: <a href="http://www.stockunlimited.com/" rel="noopener nofollow" target="_blank">Image by StockUnlimited</a></p>5 Things I Learned Launching A New Sitetag:realty411mag.com,2019-07-13:5727801:BlogPost:637192019-07-13T09:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3815446496?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3815446496?profile=RESIZE_710x" width="250"></img></a></p>
<p>Active note investors are going to want their own websites to establish credibility and do business more efficiently online. Whether you are using online assets to raise money to buy notes, or sell your notes, here are five things I learned in the process of developing new websites over the past couple of months.</p>
<p>While we still haven’t unveiled…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3815446496?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3815446496?profile=RESIZE_710x" width="250" class="align-left"/></a></p>
<p>Active note investors are going to want their own websites to establish credibility and do business more efficiently online. Whether you are using online assets to raise money to buy notes, or sell your notes, here are five things I learned in the process of developing new websites over the past couple of months.</p>
<p>While we still haven’t unveiled a new look for the<a href="http://www.nationalnotegroup.com/invest/" target="_blank" rel="nofollow noopener">NNG Capital Fund</a> website yet, we’ve been busy building and redeveloping sites for note investors, facilitating workouts with distressed borrowers and providing more education and insights for real estate and note investors.</p>
<p>Here are some key takeaways from the process that may help you with your next website…</p>
<p><strong>1. You Can Find Value</strong></p>
<p>Commissioning a new website has typically proven to be a frustrating experience for most real estate and note investors. It usually seems to take months longer than promised. Then you normally have to pick from highly overpriced designers who are good and do what they say, but are far from cheap, or cheap offshore solutions which take so much work to deal with that they can be as expensive by the time you are done. I’m glad to say we found a good value solution for getting new websites done swiftly, without overpaying, or having to go crazy with hard to communicate providers. You can find a good solution if you look.</p>
<p><strong>2. You’ll Constantly Be Updating</strong></p>
<p>Much like your next home purchase or note investment, your next website is unlikely to be your last. Design trends, website capabilities, and what consumers want and expect are always changing. Too many people get bogged down and take too long to make decisions, and then by the time they do so they are starting all over from scratch again. Many homebuyers spend years waiting for the perfect forever home. They want everything to be perfect from day one, down to the carpet color in the third bedroom, and at a price they can afford. Yet, few people stay in their homes more than seven years. All the wasted time could have been time accumulating equity and saving on rent so they can leverage that into buying their real dream home. The same goes for notes. No matter how much you learn chances are that you could always do better than you did on your first note deal. You could do a little better due diligence, negotiate a stronger workout, could have saved a little more on taxes with a different structure, etc. Yet, unless you get started you’ll never gain the experience or start making money in the note business. The same goes for a website. If you spend 6 months or a year trying to perfect a website before you start doing business, design trends could have totally changed by the time you’re ready to launch and you probably missed countless opportunities to make real money. Get going, do deals, and expect you’ll be updating your online presence at least every five years or so.</p>
<p><strong>3. It’s Always Smart to Backup Your Data (Early)</strong></p>
<p>If you always immediately backup your data you’ll never risk losing it, along with all the investment you made in it. This definitely applies to website content, and everything involved with it. We ran into one snag in not immediately downloading all the copies of the logos and backing them up to our own storage. The third party provider took them down half way through the site build and caused several hours of dealing with support. So, don’t wait. Save copies locally and in your own online storage. Hard copies of everything can be useful too. If you have an old site you’ve lost, try using the Way Back Machine at Archive.org to retrieve an old copy.</p>
<p><strong>4. You Don’t Have to Micromanage Everything</strong></p>
<p>You want your site to be good, but you don’t have time to micromanage it. Hire good people, connect your team members together and let them do their work and get out of your own way. I actually got to take off for a family vacation to Aruba during the process of building our last site without any real hiccups. Check out the<a href="https://www.biggerpockets.com/blogs/4112/75522-how-a-trip-to-aruba-can-improve-your-business?inf_contact_key=bcad8e7e62bf5f622a5f4e3ca7b9847e2ce7d0d959541c8a8205103f867f5d6a" target="_blank" rel="nofollow noopener">business lessons I learned from Aruba here</a>.</p>
<p><strong>5. The Importance of a Good CMS</strong></p>
<p>A good Content Management System gives you and your in-house team more ownership and control over your content and makes it easier and more cost efficient to keep updating your site and publish new content, without being held ransom by an expensive designer. WordPress is great for this. If you are just starting out on a tight budget you can find even more affordable domain hosting over at HostGator.</p>
<p>What headaches and success stories have you had with building real estate and note business websites? What tips can you share?</p>
<p>Image by <a href="https://pixabay.com/users/QuinceMedia-1031690/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2891888" target="_blank" rel="nofollow noopener">3D Animation Production Company</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2891888" target="_blank" rel="nofollow noopener">Pixabay</a></p>This Is What Will Really Cause The Next Housing Crash...tag:realty411mag.com,2019-06-24:5727801:BlogPost:637102019-06-24T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814493724?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814493724?profile=RESIZE_710x" width="250"></img></a> Whether you believe we are already in a correction or not, here’s the one thing that may really be responsible for tipping the housing market over the edge.</p>
<p>It’s sellers asking too much.</p>
<p>Who’s to Blame for the Housing Crash?</p>
<p>There were lots of people, groups and organizations blamed for the housing bubble and crash in 2006-2008.</p>
<p>At…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814493724?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814493724?profile=RESIZE_710x" width="250" class="align-left"/></a>Whether you believe we are already in a correction or not, here’s the one thing that may really be responsible for tipping the housing market over the edge.</p>
<p>It’s sellers asking too much.</p>
<p>Who’s to Blame for the Housing Crash?</p>
<p>There were lots of people, groups and organizations blamed for the housing bubble and crash in 2006-2008.</p>
<p>At first they tried to blame investors and house flippers. At least until the government needed them to take on all the distressed properties, and actually loosened lending regulations to sell and finance more houses to investors.</p>
<p>Appraisers, too, were blamed for overinflating values, often in collusion with banks. Banks were committing all types of fraud. And then forced insurance and foreclosure fraud really put the icing on the cake.</p>
<p>To top it off, interest rates through 2006 were on the rise, which really stalled the market. Especially in tandem with cutting back on lending and ending easy to get loans. Something which the government has just done again with the FHA, after years of subprime type lending.</p>
<p>All of the things are happening again now. However, probably most significantly of all, is that property owners ran into problems when they owed too much, cash flow started slowing, and people stopped buying because prices just didn’t make sense anymore. The only people they made sense for were speculative flippers, and eventually they hit a ceiling too.</p>
<p>Uninformed & Unrealistic Sellers</p>
<p>All you have to do is hop on to Zillow or Realtor.com for a few minutes, and you’ll see plenty of examples of owners and agents listing for as much as double as the value estimates right alongside their asking prices. Often this is right next to a graph clearly showing a recent steep dive in that property’s value. One property in Florida shows it was recently bought for $21,000, is valued around $70,000, but the seller is asking $124,000 for it. There are plenty of other public listings out there that you can see have been vacant and listed for a year. The sellers have barely budged in lowering their asking prices.</p>
<p>For easy math, take a house that may be worth $100,000, but the seller and realtor have been demanding $120,000. After a year, they finally fold and reduce the price to $100,000. Only now it may only be worth $70,000. So it sits on the market for another year. Finally, out of desperation they lower the price to $70,000, but now no one wants to pay more than $35,000 for it, because of the market and economy. They are completely stuck. They may have put in more than the property is now worth just to hold it all that time. They may owe more than anyone is willing to pay right now. They are financially tapped out and frustrated. It gets foreclosed on, and they lose everything.</p>
<p>There are probably several hundred thousand sellers in this situation right now, at least. Millions if you count all phases of the journey we just outlined.</p>
<p>It could easily be avoided by pricing right. Of course, in a few years this same property will probably be worth $150,000 or more, and could be generating $1,000 a month in rents in the meantime. Most just won’t be able to manage through it though.</p>
<p>So, we’re ending up with a lot of new deal flow coming through. Again, we’ll see local governments and banks flush with distressed mortgage notes and REOs for qualified funds to acquire at discounts. We’re also seeing investors selling off portfolios of hundreds of units to cash out.</p>
<p>It’s a shame that some sellers will have to go through this journey. Yet, there is great opportunity for investors who have the connections to acquire right priced assets and know how to manage them.</p>
<p>Investment Opportunities</p>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/Shutterbug75-2077322/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1238594" rel="noopener nofollow" target="_blank">Shutterbug75</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1238594" rel="noopener nofollow" target="_blank">Pixabay</a> </p>The Number 1 Risk for Real Estate Investors Nowtag:realty411mag.com,2019-06-19:5727801:BlogPost:633782019-06-19T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814497925?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814497925?profile=RESIZE_710x" width="250"></img></a> What’s the top risk that investors in real estate are facing today?</p>
<p>There is still a lot of opportunity out there. There are great deals to be made. Yet, it is also true that it is taking more attention to detail and effort to find the really profitable deals. Market well, in addition to buying, structuring, and managing right, and you’ll be okay if…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814497925?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814497925?profile=RESIZE_710x" width="250" class="align-left"/></a>What’s the top risk that investors in real estate are facing today?</p>
<p>There is still a lot of opportunity out there. There are great deals to be made. Yet, it is also true that it is taking more attention to detail and effort to find the really profitable deals. Market well, in addition to buying, structuring, and managing right, and you’ll be okay if you have good deal sources. However, there’s real risk.</p>
<p>The number one risk in the real estate market today is that 90% of investors have no plan for sustainability. None. Some may not even know what that means if you ask them.</p>
<p>The vast majority of real estate agents and investors in the market now are very green. They’ve only experienced the business during the great bull run we’ve had since 2008 and 2011. Honestly, while I’d like to say I’m pretty smart or talented, the truth is that you couldn’t really not make money in real estate for the past 10 years. It’s been so ridiculously easy. Anyone could do it, and they have.</p>
<p>That’s great for them. I love to see people succeed. There are a lot of guys and gals who have gotten into real estate in the last few years and haven’t only flipped houses themselves, but have been building spec homes, doing Airbnb, amassing a few hundred rental units, and then either offering turnkey properties or teaching others as newly minted gurus.</p>
<p>Some of these people really do know their stuff, but most have just been riding on luck. Worse, they either don’t believe a correction is coming, keep saying we’ve got another 12 to 18 months (which they’ve been saying for more than 18 months), or are seriously minimizing how impactful the next correction will be.</p>
<p>Here’s the real problem. They have no plan to hold things together when the market corrects, and if you’ve been watching the data, some markets are clearly correcting already, and have been for over a year. So, many are paying too much for properties, are basing their values and business models on rents and a resale market that isn’t there, and don’t have the reserves to survive a temporary crunch. They owe too much, and are only a month or a few away from going bankrupt if cash flow tightens up.</p>
<p>Now, it’s no secret that you can both make money at the top of the market, and that our most famous billionaire investors are those who made their wealth when everyone else thought the market was at its ugliest. The difference is in being prepared and pricing things right.</p>
<p>What can investors do to beat this risk?</p>
<ol>
<li>Before investing with anyone, ask what plan they have for sustainability</li>
<li>Know your real estate and economic cycles (history repeats itself)</li>
<li>Stay in tune with the market data, and what’s really happening out there</li>
<li>Know the value before you invest</li>
<li>Look for value, don’t speculate</li>
</ol>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Photo by <a href="https://www.pexels.com/@gladsonfx?utm_content=attributionCopyText&utm_medium=referral&utm_source=pexels" rel="noopener nofollow" target="_blank">Gladson Xavier </a>from <a href="https://www.pexels.com/photo/war-chess-59197/?utm_content=attributionCopyText&utm_medium=referral&utm_source=pexels" rel="noopener nofollow" target="_blank">Pexels</a></p>The 3 Things Investors Need Most in 2019tag:realty411mag.com,2019-05-28:5727801:BlogPost:633792019-05-28T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814500190?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814500190?profile=RESIZE_710x" width="250"></img></a> Do you have the three things you need most out of your investing for this year and beyond?</p>
<p>Many are finding it hard to make sense of the market right now. The media headlines proclaim the economy is awesome and supercharged with growth and low unemployment. Yet, the hard data and other signals suggest there are some corrections in the works. The bottom…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814500190?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814500190?profile=RESIZE_710x" width="250" class="align-left"/></a>Do you have the three things you need most out of your investing for this year and beyond?</p>
<p>Many are finding it hard to make sense of the market right now. The media headlines proclaim the economy is awesome and supercharged with growth and low unemployment. Yet, the hard data and other signals suggest there are some corrections in the works. The bottom line though, is that you need these three things to get you through.</p>
<p>1. Passive Income</p>
<p>Time is the most precious and scarce resource we have. The only way to really get more time is with passive income. We can only become so productive. Then it is up to passive investments to make money so we can spend more time on other things. That’s true whether you are already making millions a year, or are in a high paying career, but are still trading your time for a wage. This is going to be even more critical over the next couple of years. And it doesn’t matter whether or not you own rentals right now, or you think your company is well insulated from a recession. If you’re not getting truly passive income, then it may be time to consider a fund or other vehicle.</p>
<p>2. Downside Protection</p>
<p>Who knows, we may really be in the best economy ever, and real estate prices, stock values and incomes might just keep going up. Of course, the odds are that there is some type of temporary correction in the works. That means it’s just smart to have some tangible, underlying hard assets and to be overcollateralized in order to protect wealth and capital during the months and years ahead.</p>
<p>3. Stable Performance</p>
<p>No single asset is going to perfectly and consistently perform the same forever. And it’s those fluctuations that are really tricky and usually come at the worst times. By diversifying and harnessing great management, we can keep our total portfolio performance steady, and yet without being so over-conservative that we end up with negative yields.</p>
<p>We believe we’ve achieved all this, and the ability to future proof your portfolio through our hybrid fund. Check out how we’re doing it today...</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/markusspiske-670330/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=594212" rel="noopener nofollow" target="_blank">Markus Spiske</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=594212" rel="noopener nofollow" target="_blank">Pixabay</a> </p>This is the Best Day of the Year for Real Estate Investorstag:realty411mag.com,2019-05-13:5727801:BlogPost:636342019-05-13T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814502921?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814502921?profile=RESIZE_710x" width="250"></img></a> What is the best day of the year for real estate investors?</p>
<p>I think Mother’s Day is a strong contender. It’s hard to beat from both a business point of view, and in being personally meaningful.</p>
<p>If you’re not a mother yourself, then you’ve got mothers in your life. Either they work with or for you, rent from you, support you in your investing, or…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814502921?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814502921?profile=RESIZE_710x" width="250" class="align-left"/></a>What is the best day of the year for real estate investors?</p>
<p>I think Mother’s Day is a strong contender. It’s hard to beat from both a business point of view, and in being personally meaningful.</p>
<p>If you’re not a mother yourself, then you’ve got mothers in your life. Either they work with or for you, rent from you, support you in your investing, or are your grandmothers, daughters, cousins or just your neighbors. Everyone can relate.</p>
<p>The Start of a New Season in Real Estate</p>
<p>Mother’s Day really marks the start of a new phase of the market each year. New property listings are popping up to get ahead of the peak buying season. Serious buyers are coming out to sign contracts and set up their summer moves so they are all settled before school starts again in the fall. It can be a fantastic time for Mother’s Day themed open houses.</p>
<p>What Real Estate Investors Can Do For Mothers</p>
<p>The first and most obvious thing we can all do is celebrate and honor the mothers in our lives. That can be in your office, at home and out in the community.</p>
<p>Housing them is a huge deal. One of the best benefits of being in real estate for me is what I can do for my mom. I can house her, and recently bought her a car. I’ve also really enjoyed just taking time to intentionally spend quality time with her to learn from her years of wisdom.</p>
<p>Housing and keeping a roof over their family’s heads is a top concern for moms out there. It keeps them up at night, and working hard. I love giving them a chance to put their families in a safe, healthy and attractive looking place in our rentals and when we sell properties.</p>
<p>As a real estate investor, I believe one of the greatest gifts you can give is sharing your knowledge and experience, and giving the mothers out there the chance to own those benefits for themselves and their children. Host an educational lunch, or turn them onto the PFREI podcast, or take them to an industry event with you.</p>
<p>The workforce and housing market is changing a lot in many cities. That can mean some transition time while getting reskilled for modern jobs, and trying to hang onto homes, and keep up with all the mail and mistakes that some lenders, insurers and tax authorities make in their paperwork. This can all lead to loan defaults and distress, that could have been avoided. If you are investing in mortgage notes this is a great time to do a cash for keys deal, or to modify loans and help moms have a fair chance to get back on track and have a fighting chance to keep their homes.</p>
<p>Let us know what you are doing in real estate around this Mother’s Day on your favorite social media networks and tag us so we can like your posts!</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/Wokandapix-614097/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=759216" rel="noopener nofollow" target="_blank">Wokandapix</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=759216" rel="noopener nofollow" target="_blank">Pixabay</a> </p>Arbitrage: The Intelligent Strategy for Making More, While Doing Lesstag:realty411mag.com,2019-04-15:5727801:BlogPost:598352019-04-15T16:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814509956?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814509956?profile=RESIZE_710x" width="250"></img></a> Arbitrage is both a very basic concept and a high level strategy deployed by sophisticated investors and entrepreneurs. It’s used for efficiently creating great profits, with a lot less hassle and stress. So, how does it work? Who is using it? How can you apply it?</p>
<p><strong>Who Uses Arbitrage to Supersize their Potential &…</strong></p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814509956?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814509956?profile=RESIZE_710x" width="250" class="align-left"/></a>Arbitrage is both a very basic concept and a high level strategy deployed by sophisticated investors and entrepreneurs. It’s used for efficiently creating great profits, with a lot less hassle and stress. So, how does it work? Who is using it? How can you apply it?</p>
<p><strong>Who Uses Arbitrage to Supersize their Potential & Paychecks?</strong></p>
<ul class="bulleted">
<li>Google with its ad services</li>
<li>Governments at all levels, with taxes and funding</li>
<li>The biggest financial institutions and brokers</li>
<li>Banks and funds</li>
<li>Amazon and Walmart</li>
</ul>
<p><strong>The Concept</strong></p>
<p>According to the dictionary definition, arbitrage is:</p>
<p>“The simultaneous buying and selling of securities, currency, or commodities in different markets or in derivative forms in order to take advantage of differing prices for the same asset.”</p>
<p><strong>The Cracks in the Market</strong></p>
<p>Those leveraging arbitrage are those that see the gaps in the market. Gaps in the supply and demand chain.</p>
<p>Today so many have fallen into the temptation to try and do it all. Most just don’t do it very well. At least not nearly as efficiently or profitably as they could. They stunt their potential and under serve by trying to do too much, without being experts or having the time or hiring pros in all the different areas and roles involved.</p>
<p><strong>What’s Better...</strong></p>
<p>Know what you’re best at. What you love. Outsource the rest to someone you can trust.</p>
<p>Maybe you are great at finding assets, rehabbing, or selling houses. That’s great. Let someone else pick up the other parts. You’ll enjoy what you are doing more. You’ll do a lot better at what you are focusing on. You can go a lot bigger.</p>
<p><strong>Financial Arbitrage</strong></p>
<p>In this space it means, you raise the money, and you put it to work with someone like us. For example; you may be great at raising money at 4%, we might pay out double that. You get the difference. All with NONE of the work. Network, meet investors, collect checks, put it to work, get checks back. Done.</p>
<p>Find out about our latest fund and how you can participate and use arbitrage to make more while doing less, and enjoying it a whole lot more.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<p><span>Image by <a href="https://pixabay.com/users/geralt-9301/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2470549">Gerd Altmann</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2470549">Pixabay</a></span><span> </span></p>How to Use Fund Investing to Over-Collateralize Your Capitaltag:realty411mag.com,2019-04-03:5727801:BlogPost:599192019-04-03T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/1758631744?profile=original" rel="noopener" target="_blank"></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814230829?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814230829?profile=RESIZE_710x" width="250"></img></a> <a href="https://storage.ning.com/topology/rest/1.0/file/get/1758631744?profile=original" rel="noopener" target="_blank"></a>Is it time to rethink the way you think about funds and invest in them?</p>
<p>There are all types of funds.…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/1758631744?profile=original" target="_blank" rel="noopener"></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814230829?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814230829?profile=RESIZE_710x" width="250" class="align-left"/></a><a href="https://storage.ning.com/topology/rest/1.0/file/get/1758631744?profile=original" target="_blank" rel="noopener"></a>Is it time to rethink the way you think about funds and invest in them?</p>
<p>There are all types of funds. Some are far better and safer than others. Some see all the gains eaten up in fees and admin costs. Others generously pass on great gains to participating investors, even though their upfront estimates may have been modest. There’s a good chance that there is a place in your portfolio for some type of fund. Yet, most just don’t get the real advantages. They only see passive income and some stability in yields in the case of real estate funds. There are other advantages though, which more sophisticated investors are aware of.</p>
<h4><strong>The Other ROI</strong></h4>
<p>“What’s my return?”</p>
<p>That’s the most common question novice investors ask when shopping and comparing investment options. “How much are you promising me?” That’s like shopping mortgage interest rates on your home loan. If you’ve financed a few homes, you know that the rate and terms you can get at the closing table may be WAY different.</p>
<p>What experienced and intelligent investors prioritize is another kind of ROI. The Return OF Investment.</p>
<p>It doesn’t matter if you’re promised the chance of 100x returns, if the chances you’ll lose everything are pretty close to 100% too. That’s the case with a lot of investments. Especially in the tech and startup world.</p>
<p>If you lose your capital you have nothing to reinvest. It is far better to make nothing in terms of returns on your investment, and just walk away with your capital back to try something else. A little icing on the cake, in yield, to cover inflation and lost opportunity costs on top of that would be nice too though.</p>
<p>So, what the most sophisticated investors look at is how likely they are to get their capital back in the worst case scenario. Think bank loans, mortgage lenders and even VC funds and Warren Buffett. What is this asset worth? If it completely fails to perform and the borrower or tenant goes broke, how can I get all my money back, and then have the chance to potentially sell it for a whole lot more? You think banks really did bad in the 2008 crisis? Probably not near as poorly as you think.</p>
<h4>How to Over-Collateralize Your Investments</h4>
<p>So, how do you make sure that the risk-reward balance is so skewed in your favor when investing that you can’t lose?</p>
<p>Well, you can invest in mortgage notes and demand great spreads. You can buy properties for pennies on the dollar. Or you can choose great fund investments.</p>
<p>Over the past decade we’ve only seen problems ramping up. Virtually a whole industry of novices have popped up, overpaying for assets, without any plan for sustainability. Many are already seeing their assets dive into negative equity territory. It’s a catastrophe waiting to happen. Though a massive opportunity for others.</p>
<p>Here’s what’s cool about funds. Not only do the best have the ability to still buy assets in bulk, off market for pennies on the dollar, they can over-collateralize your investment with all of the assets in a fund. Let’s say you put $100,000 into a $1M fund. Well your capital technically has 10x the protection of your investment. Inside that fund there can be hundreds of assets too. So, you are never counting on a single asset to perform. In fact, even if 30% of them totally flop, you’ll still be fine.</p>
<p>In our diversified hybrid fund we’ve also built in multiple strategies and plays that are working for you at the same time. Redevelopments, buy and hold income properties, mortgages notes, etc. if one niche slows down, the others are speeding up. It’s a great way to not only ensure your return OF capital, but a return on your investment too.</p>
<p>Is your capital safe? Is your portfolio future proofed?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/" rel="nofollow noopener noreferrer" target="_blank">NNG Capital Fund</a></p>
<div class="level__left"><div class="level__item"><div class="js-copy-attribute-content photo-page__adp-cta__container__attribution">Photo by<span> </span><strong><a href="https://www.pexels.com/@divinetechygirl?utm_content=attributionCopyText&utm_medium=referral&utm_source=pexels">Christina Morillo<span> </span></a></strong>from<span> </span><strong><a href="https://www.pexels.com/photo/woman-wearing-gray-blazer-writing-on-dry-erase-board-1181534/?utm_content=attributionCopyText&utm_medium=referral&utm_source=pexels">Pexels</a></strong></div>
</div>
</div>Manhattan’s Loss is New Jersey’s Gaintag:realty411mag.com,2019-03-18:5727801:BlogPost:635702019-03-18T16:00:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814515387?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814515387?profile=RESIZE_710x" width="250"></img></a> Manhattan has fallen. For over a year the heart of the Big Apple has been battling a real estate correction. While it may not be fun for NYC homeowners, it makes other markets like New Jersey look really appealing to investors.</p>
<h4>The Fall of Manhattan</h4>
<p>Manhattan’s real estate market has been beaten up, beat down and stomped on over the last year.…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814515387?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814515387?profile=RESIZE_710x" width="250" class="align-left"/></a>Manhattan has fallen. For over a year the heart of the Big Apple has been battling a real estate correction. While it may not be fun for NYC homeowners, it makes other markets like New Jersey look really appealing to investors.</p>
<h4>The Fall of Manhattan</h4>
<p>Manhattan’s real estate market has been beaten up, beat down and stomped on over the last year. We’re already seeing the beginning of what could be a much deeper decline.</p>
<p>Overbuilding, overpricing, and often a complete lack of product-market fit has left some developers with 1,000 plus empty units they can’t sell. Even despite offering upgrades and paying years of condo dues on behalf of buyers.</p>
<p>Retail units are going vacant, inventory in general is rising, and higher property taxes are adding to the crunch. According to Zillow, the<span> </span><a href="https://www.zillow.com/manhattan-new-york-ny/home-values/">median home price in Manhattan</a><span> </span>is now over $1.5M. That represents a price per square foot of almost $1,500. Almost 10% of properties are in negative equity positions again, and over 13% of sellers cut their asking prices again last month. Rents are averaging $3,395 per month.</p>
<p>Zillow says home prices have fallen over 5% in the last 12 months and will keep declining through 2019. One recent condo sale shows a 24% cut from asking price.</p>
<p>That makes it very hard to justify investing for both the professional and retail home buyer. Although there may be new sales records set by the most skilled developers, such as the recent $238M condo purchase, these will be the exception and mostly born out of wealthy execs and family offices looking to hide money in the safety of real estate during the new recession.</p>
<h4>NJ: It’s Greener On The Other Side Of The River</h4>
<p>While it might feel like King Kong has been unleashed on the Manhattan real estate market, it’s quite a different story across the water in New Jersey.</p>
<p>Obviously, all real estate is local, and NJ has many submarkets. Yet, most places you look you’ll find quite stark contrasts to what’s going on in Manhattan, NY.</p>
<p>Clifton, NJ is still in great proximity to Manhattan for all the fun and business you want. Yet, the median home sales price here is just $341,100. Median price per square foot is only $238. The average rent is $2,100 a month. Zillow forecasts<span> </span><a href="https://www.zillow.com/clifton-nj/home-values/">home values in Clifton</a><span> </span>to rise another almost 6% in 2019.</p>
<p>Then there is<span> </span><a href="https://www.zillow.com/trenton-nj/home-values/">Trenton, NJ</a>. Trenton boasts an average price per square foot of just $51. The median list price is just $69,950. Rents average $1,200 a month, providing a far superior price to rent ratio than you’ll ever dream of finding in Manhattan.</p>
<p>Investing in distressed markets presents a great opportunity, though there is a time for it. The numbers still have to make sense and be profitable within your strategy. Where will you be investing this year?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to<span> </span><a href="http://nngcapitalfund.com/">NNG Capital Fund</a><br/><br/>Image by<span> </span><a href="https://pixabay.com/users/wiggijo-3628174/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1777986">Jo Wiggijo</a><span> </span>from<span> </span><a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1777986">Pixabay</a><span> </span></p>Why Investing Right Before Tax Refund Season Can Give You An Advantagetag:realty411mag.com,2019-03-04:5727801:BlogPost:637122019-03-04T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814705238?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814705238?profile=RESIZE_710x" width="250"></img></a> This can be one of the best times of the year to acquire new real estate assets. Even more so if you are risk averse and prefer shorter investment cycles. Here’s why…</p>
<p>According to <a href="https://www.businessinsider.com/ubs-report-married-filers-bigger-federal-tax-refund-tax-day-2019-2018-12" rel="noopener nofollow" target="_blank">Business…</a></p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814705238?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814705238?profile=RESIZE_710x" width="250" class="align-left"/></a>This can be one of the best times of the year to acquire new real estate assets. Even more so if you are risk averse and prefer shorter investment cycles. Here’s why…</p>
<p>According to <a href="https://www.businessinsider.com/ubs-report-married-filers-bigger-federal-tax-refund-tax-day-2019-2018-12" rel="noopener nofollow" target="_blank">Business Insider</a> and UBS Analysts, taxpayers are expected to receive even more dollars in tax refunds this spring. Totals are estimated to be as high as $66B this 2019 tax season.</p>
<p>Of course, there have been a few more complications in filing federal income tax returns this year. Sweeping new changes have made filing this year far more complex. Both employers and workers are working on dancing with these new rules and what they mean. So are tax preparers. Then there is the recent government shutdown which could have backed things up even further. On the bright side, that gives quick acting investors a small extension on this window to take advantage of acquisition opportunities.</p>
<h3>For Mortgage Note Investors</h3>
<p>While tax refund season often mostly spurs frivolous and wasteful spending by those who have loaned their money to the government all year long and now feel like they have won the lottery, many will also use the opportunity to catch up on bills.</p>
<p>If you’ve got $3,000 in your hand, and you can either save your home (and equity) by catching up your mortgage payments, or you can upgrade to yet another iPhone model, the house should win.</p>
<p>This makes it a great time for mortgage note investors who have acquired non-performing assets. It’s far more likely borrowers will bring loans current in the next couple of months. That’s good if you hope to collect cash flow, or to flip the note.</p>
<p>It may not sound as good to those who hoped to foreclose on the underlying collateral though. Nevertheless, negotiations are still open, and perhaps this is the best chance the borrower has to go find new housing and start over again.</p>
<h3>For Buy & Hold Investors</h3>
<p>Tax refund season brings even more chance that renters will stay on top of rent or bring accounts current. That’s not only welcome news if you are a landlord with slow paying tenants. It’s also an opportunity to acquire underperforming rental properties and quickly turn them to positive cash flow.</p>
<h3>For Flippers & Rehabbers</h3>
<p>The same applies to flippers. For eager home buyers, this may be their one chance this year to have some kind of down payment. At the same time, other investors are using this last minute window to restructure portfolios and use SDIRA contributions to save on taxes.</p>
<p>How will you make your moves?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/StockSnap-894430/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2565107" rel="noopener nofollow" target="_blank">StockSnap</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2565107" rel="noopener nofollow" target="_blank">Pixabay</a> </p>5 Ways To Revive Your Passion For Real Estate This Valentine’s Daytag:realty411mag.com,2019-02-14:5727801:BlogPost:636382019-02-14T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814709561?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814709561?profile=RESIZE_710x" width="250"></img></a> It’s Valentine’s Day! Check out these five ways to revive and fuel your passion for real estate…</p>
<p>Whether you are burning out from a crazy sprint at the beginning of the year, have had tough times dealing with contractors recently, or could just use a little more inspiration to get to the next level, this is a great day to take some action.</p>
<p>Don’t…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814709561?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814709561?profile=RESIZE_710x" width="250" class="align-left"/></a>It’s Valentine’s Day! Check out these five ways to revive and fuel your passion for real estate…</p>
<p>Whether you are burning out from a crazy sprint at the beginning of the year, have had tough times dealing with contractors recently, or could just use a little more inspiration to get to the next level, this is a great day to take some action.</p>
<p>Don’t worry, you can do all of them with your someone special so you don’t get in trouble for working this Valentine’s Day.</p>
<p></p>
<h3>1. Go Explore a Great Property</h3>
<p>Get out and allow yourself to be wowed by what can be done with real estate. Tour your dream home, visit some new construction, tour architectural feats or an iconic building, your childhood home or new unspoiled land.</p>
<h3>2. Check Out Valentine’s Day Events</h3>
<p>From popup signs for selfies to special menus, parties, and street events, there is plenty to do.</p>
<p>Pay attention to how real estate captures and creates emotions, and can be positioned to do so. There is a lot of value in this. It’s the story, far more than just bricks and mortar.</p>
<h3>3. Shop Property for Someone You Love</h3>
<p>This doesn’t necessarily have to be a romantic gift. It can be for a sibling, child, parent, grandchild, or just someone you really care about and who could use it. It could be for your mom like The Rock did for his at Christmas. Just don’t blow it like Kanye and Kim, which resulted in them losing a $600k deposit on a unit in Faena on Miami Beach. It could be an investment property for your heirs or even donating space for public use.</p>
<h3>4. Tap into the Passion For Real Estate Investing Podcast</h3>
<p>Hop over to PFREI and see how others are engaging the market through flips, notes and lots more. Find out their winning strategies, what keeps them going, and how to avoid the mistakes they made on the way.</p>
<h3>5. Read a Biography</h3>
<p>Grab a book, audio book or just hit Wikipedia and look up the story of a famous real estate investor or billionaire. See the roll real estate investing played in their lives and legacy. If could be Buffett, Rockefeller, Trump or Richard Branson.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/sweetlouise-3967705/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3423830" rel="noopener nofollow" target="_blank">Luisella Planeta Leoni</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3423830" rel="noopener nofollow" target="_blank">Pixabay</a> </p>Why Savvy Investors Are Glad The New Correction Is Heretag:realty411mag.com,2019-02-11:5727801:BlogPost:633832019-02-11T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814712314?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814712314?profile=RESIZE_710x" width="250"></img></a> While all real estate is local, and trends take their time to circulate, it’s becoming undeniable that there has been some notable changes in the temperature of the market. This is exactly the moment many investors have been waiting for…</p>
<p>The last nine years have provided a great run up in US property prices. Many have gained great windfalls in equity.…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814712314?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814712314?profile=RESIZE_710x" width="250" class="align-left"/></a>While all real estate is local, and trends take their time to circulate, it’s becoming undeniable that there has been some notable changes in the temperature of the market. This is exactly the moment many investors have been waiting for…</p>
<p>The last nine years have provided a great run up in US property prices. Many have gained great windfalls in equity. Though, there is no doubt that many have been overpaying for real estate assets. Bidding wars, blind speculation and overbuilding have been rampant in some markets.</p>
<p>Even now the inventory available to the general public and through the MLS mostly reflects a sellers’ market and a retail market. The exception being some recent discounts on NY condos selling for 24% below asking price.</p>
<p>The uncertainty of when the market would correct has kept many of the most experienced investors on the sidelines. Despite the picture often painted of the risk taking real estate entrepreneur, the experienced only take very calculated risks, with outsized reward potential.</p>
<p>Those that have been active with their capital have been pursuing other strategies. For example; like me, using mortgage notes, tax liens, and buying assets in bulk to get appealing discounts.</p>
<p>With pricing leveling off, investors are enjoying more certainty. They know where they are at in the cycle. They can now forecast better, and start making moves. Whether you are fixing and flipping or doing turnkey properties, you can now make better judgement and not speculate. It’s time to get that money working harder.</p>
<p>While I have been very active in the market, I can absolutely relate. I recently backed out out of a deal down the street. It had an ARV of $1.2M. I was under contract to buy at just $313k. I still let it go because I just wasn’t sure where the value was going.</p>
<p>More sophisticated investors can now participate in the market with confidence. They can identify current trends and where we are in the cycles, and know where the numbers are headed. They can invest, and be sure of securing more profit with less risk of loss.</p>
<p>How are you re-engaging in the market this quarter?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/rawpixel-4283981/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2286443" rel="noopener nofollow" target="_blank">rawpixel</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=2286443" rel="noopener nofollow" target="_blank">Pixabay</a> </p>Is A Real Estate Fund Investment Right For You?tag:realty411mag.com,2019-01-29:5727801:BlogPost:635972019-01-29T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814713927?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814713927?profile=RESIZE_710x" width="250"></img></a> Is investing in a real estate fund the right financial move for you? Who is it for? Who isn’t it for?</p>
<p>Real estate funds have been proving to be both attractive and profitable vehicles for many investors. For many sophisticated investors, family offices and even larger and broader funds and endowments, they are now one of the main staples in their…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814713927?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814713927?profile=RESIZE_710x" width="250" class="align-left"/></a>Is investing in a real estate fund the right financial move for you? Who is it for? Who isn’t it for?</p>
<p>Real estate funds have been proving to be both attractive and profitable vehicles for many investors. For many sophisticated investors, family offices and even larger and broader funds and endowments, they are now one of the main staples in their portfolios. More recently they have become one of the most important and vital parts of a well diversified, sound and high performing financial plan.</p>
<p>Some people though, haven’t hit the gas pedal on these investments yet. Real estate funds may be a new concept. Or perhaps they just haven’t taken the time to dig in and really figure out the advantages and why others love them so much.</p>
<h3>All About the Yield</h3>
<p>I’ve met a lot of people over the years. Of those that do make alternative investments, the choice becomes really about the type of yield that gets them excited. The sophisticated, passive and strategic investors intelligently spread their risks. They may have some investments that ‘promise’ the chance of higher returns which are riskier. Others are more conservative and are happy with lower yields - and may choose a solid fund with a 7% to 9% return to help keep them in that target performance circle.</p>
<h3>Diversification & Stabilization</h3>
<p>Funds are frequently a stabilization and diversification play for strategic investors. They may have turnkey rentals, do some private lending and hold some notes. They know they can be very exposed with these investments. Funds give them much deeper and broader diversification, which in turn lower risk and keep cash flow consistent.</p>
<p>Let me explain. By investing in a fund, individuals may have 100, 500 or more assets collateralizing and protecting their investment. That’s versus the one or few assets that flippers, landlords or hard money lenders have. Would you rather put $150k or $500k into a single asset and cross your fingers as insurance that nothing goes wrong, or have a $5M or $25M or even larger pool of assets protecting that investment?</p>
<h3>Arbitrage</h3>
<p>The smartest investors know they aren’t going to be as successful as they could be by themselves. This not only applies to building a strong inhouse team, but looking at all options. Some are great at playing the arbitrage game. They may be great at raising capital at 6% returns. Then they just delegate that capital and invest in a fund for higher yields. The fund does all the hard work of sourcing and managing the assets. The arbitrage investor gets cash flow on a platter to pay out returns to their investors.</p>
<p>Is a fund investment a good fit for your portfolio? If the yields are right, the diversification is a good match, and passive investing is a priority, then this could be the piece of the puzzle you’ve been missing...</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/artbaggage-1189926/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=837378" rel="noopener nofollow" target="_blank">Сергей Ремизов</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=837378" rel="noopener nofollow" target="_blank">Pixabay</a> </p>Time Management: 5 Things On My Calendar For 2019tag:realty411mag.com,2019-01-14:5727801:BlogPost:633842019-01-14T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814715991?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814715991?profile=RESIZE_710x" width="250"></img></a> Time is a tricky beast. It will rule you and slip through your fingers if you let it. Other people and their agendas will control your time, your return on it and use of it, if you let them.</p>
<p>Even with the best intentions and clearly written goals, getting what you really want most out of your time can be elusive. I’ve found the best way to beat that is…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814715991?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814715991?profile=RESIZE_710x" width="250" class="align-left"/></a>Time is a tricky beast. It will rule you and slip through your fingers if you let it. Other people and their agendas will control your time, your return on it and use of it, if you let them.</p>
<p>Even with the best intentions and clearly written goals, getting what you really want most out of your time can be elusive. I’ve found the best way to beat that is to block out time in advance. Put things on your calendar before the beginning of the year. Refuse to compromise. Otherwise something else will creep up and steal that time and goal from you.</p>
<p>If you’ve been staying up to date on the blog you’ll have seen a couple of other recent posts in which I reveal my unique approach to new year’s resolutions and how I start dominating the new year from at least the last quarter of the previous year. I like to be way ahead of the game. If you haven’t yet, be sure to check out those posts now.</p>
<p>This blog will give you some direct, actionable insights you can apply to your own calendar right now to get the most out of 2019.</p>
<p>I’ll be attending a variety of real estate events around the country this year, and conducting many meetings. These, though, are the five most important things on my calendar that I’ve already mapped out for 2019.</p>
<h3>1. Events for Growth</h3>
<p>Personal growth and constant self-improvement are extremely important to me. They are essential. Since I’m usually speaking or on panels at most of the events I go to, attending events to learn, listen and share on a deeper level are where I really get the most value for myself. The two that I’m most excited about this year are the Tony Robbins Business Mastery in Europe, and what I consider the most elite real estate mastermind in which I’ll be the only professional from New Jersey attending.</p>
<h3>2. Lunch Dates with My Mom</h3>
<p>This is something I’ve really enjoyed doing monthly or biweekly, but plan to do more often in 2019. It’s a great opportunity to spend quality time together. Just the two of us. I get her to share more of her stories and invest time in getting to know her better and learn from her. With age and experience comes a lot of wisdom. We often under-appreciate that. Life is also so short. I see a lot of people who regret not spending more time with people they cared about. And I don’t know anyone who has regretted spending quality time like this with those most important to them.</p>
<h3>3. Spring Vacation with the Kids</h3>
<p>We have a lot of responsibilities as parents. Too often, it’s too easy to just focus on the providing and training part of parenting. Sometimes they just need us to be there and have fun too. It’s what it most important to them. Last year we went to Aruba, which was awesome. No laptop, no phone. This year we’re heading to California and Disney.</p>
<h3>4. Time for Self-Reflection</h3>
<p>Last year I was taking five hours every other week to reflect, and spend on myself. That really worked. So, I’m doubling down in 2019 and blocked out five hours every week! I’ll use that time to reflect and think, pamper myself, unplug, or hit the Korean spa house to relax in 200 degree heat.</p>
<h3>5. Charity Events</h3>
<p>Giving back and helping others is one of the best parts of being in real estate. We just did an annual toy drive in December. It was great. This fall we’re planning a back to school drive and plan to get school supplies to 250 inner city kids. If you’re inspired to participate in that, get in touch.</p>
<p>What’s on your calendar?</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Image by <a href="https://pixabay.com/users/geralt-9301/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3699314" rel="noopener nofollow" target="_blank">Gerd Altmann</a> from <a href="https://pixabay.com/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=3699314" rel="noopener nofollow" target="_blank">Pixabay</a> </p>A Different Approach To New Year Goalstag:realty411mag.com,2018-12-27:5727801:BlogPost:637132018-12-27T20:30:00.000ZFuquan Bilalhttps://realty411mag.com/profile/FuquanBilal
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814718783?profile=original" rel="noopener" target="_blank"><img class="align-left" src="https://storage.ning.com/topology/rest/1.0/file/get/3814718783?profile=RESIZE_710x" width="250"></img></a> What are the best end of year moves for investors and executives of investment firms?</p>
<p>There are a lot of obvious financial moves everyone should be making at this time of year. You definitely want to square away your accounting, make sure you’ve maxed out your self-directed IRA contributions, and are taking full advantage of any tax breaks you can for…</p>
<p><a href="https://storage.ning.com/topology/rest/1.0/file/get/3814718783?profile=original" target="_blank" rel="noopener"><img src="https://storage.ning.com/topology/rest/1.0/file/get/3814718783?profile=RESIZE_710x" width="250" class="align-left"/></a>What are the best end of year moves for investors and executives of investment firms?</p>
<p>There are a lot of obvious financial moves everyone should be making at this time of year. You definitely want to square away your accounting, make sure you’ve maxed out your self-directed IRA contributions, and are taking full advantage of any tax breaks you can for the year.</p>
<p>If you are really passionate about making things happen, like me, and you’ve been in the business for a couple of years, you already know that most others aren’t going to move at your speed during the end of year holiday season. They are distracted and have other priorities. No amount of pressure is going to change that, nor be appreciated. It can even be counterproductive.</p>
<p>So, what I’ve learned is most productive for the last two weeks of the year is to focus internally - and take time to reflect on the last year, in addition to the direction to take for the first quarter of the new year.</p>
<h3>Reflect & Retool</h3>
<p>Looking at the past 12 months, what challenges were faced? How were they overcome? How can those solutions be systemized? What procedures can be implemented to avoid encountering those challenges again?</p>
<p>Looking at the math, how do we do even better next year? What were the payoffs we were achieving last January? How can we beat that?</p>
<p>How can we do better on vendor bills and operational costs?</p>
<h3>Preparing for the New Year</h3>
<p>Once we know what we want, where we want to improve and where we’ll focus, we can set those benchmarks, restructure, and be ready to go hard in the new year.</p>
<p>I like to be aggressive on making progress in the first quarter to get and stay ahead of the game. That’s a lot easier and smarter than trying to play catch up.</p>
<p>A lot of people and firms will probably be panicking and hunting extra hard to scavenge deals in January, after spinning their wheels a lot in December. We typically don’t make too many acquisitions in January, and right now have 3x the deal flow we need to meet our targets.</p>
<p>Later in the first quarter we may sell some more assets for liquidity to make additional acquisitions in Q2.</p>
<p>Providing our contractors have done their jobs well, we’ll let team relax a little bit on the flips too. If permits are in place, materials are lined up and the gut and clean up jobs are done - I’m happy to give them a little time with family. They are much better workers and members of the team for it.</p>
<p>Of course, personally those last two weeks of December are about working on myself and spending time with kids too.</p>
<p>This all helps to become more efficient and effective moving forward, and to get a good head start on getting to the next level, even before the new year arrives.</p>
<h3>Investment Opportunities</h3>
<p>Find out more about investing in secured debt and real estate, go to <a href="http://nngcapitalfund.com/" rel="noopener nofollow" target="_blank">NNG Capital Fund</a></p>
<p>Photo by <a href="https://unsplash.com/@anniespratt?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" rel="noopener nofollow" target="_blank">Annie Spratt</a> on <a href="https://unsplash.com/s/photos/new-year?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" rel="noopener nofollow" target="_blank">Unsplash</a></p>