Thoughts?

1. Owning property raises your credibility, your credit rating, and your equity portfolio by a substantial margin. People are more inclined to trust and want to do business with property owners and, if you make your property payments on time every month, your credit score will shoot through the roof.

2. Unlike other types of property, realestate investments usually only appreciate as time passes on. Look at the housing market. The cost of housing today is more than four times what it was as little as two decades ago. A lot of real estate moguls got their start by a realestate investment technique called “house flipping.”

3. There is more leverage allowed with realestate investment than with other types of investments. Real estate property owners are allowed to borrow against the value of their properties while other types of property owners are not. Think about it: how many banks allow you to put up your stereo system as collateral for a loan?

4. Two words: tax benefits. Realestate investment experts will tell you that the tax advantages involved in owning real estate property far outweigh any initial cost in purchasing the property. Home owners are given a wide array of tax incentives and credits every year!

These are just four of the most important benefits of realestate investment Many people are afraid of investing in real estate because the initial cost (and risk) is so large. The experts will tell you, though, that the many benefits far outweigh the expenses!

The major endeavor of The Dubai Property Investment Fund is to look for 15-20% of the annual growth rate in the capital.

The markets of Dubai and gulf are blooming. These offer enormous prospects and their market is escalating at a progressive rate. The rebate on tax in Dubai and Gulf makes them the core of attraction for business and investments. Apart from the affable tax policies, The Dubai Property Investment Fund also grants the investors an access to the property in areas that are otherwise constrained for the foreign investors.

Investors Provident instigated this fund in alliance with the Caledonian Developments Limited which is a skilled property investment team and Al Mazaya Real Estate, a well-known local company of Dubai finance market.

The directors and managers of the fund have already gained a growth rate of 30% by carrying out business and investment in those areas. After attaining a growth rate of greater than 30%, these investors aimed to bring out a growth of 15-20% in the capital they invested. This signifies for every investment GBP 100,000, they would get a return of GBP 184,000 to GBP 225,000 in 4 years time.

The target capital for this fund is about 60 million pounds. In this capital, each director and manager is supposed to invest an amount ranging from a minimum of fifty thousand pounds to a maximum of five million pounds. The duration of the fund is planned out to be four years. Every investment that is being made will be divided into two parts, one would be split into the company shares, and the other part would be given out as loan.

Investing in this fund gives exclusive rights on the property in the highly commercialized area like Jumeirah lake towns, Dubai International Financial Centre and Dubai Sports City. These funds are supported by the government. One can invest in them along with the government to cater to different commercial and residential projects in the gulf area.

The investments returns are tax efficient. They only consume a total of 10% on the earned amount which is a meager amount as compared to the other cities.

This fund offers a promising future in taking the city to an altogether new platform and elevating the level of modernization and commercialization.

• How many property managers do I want to interview? While the attached form allows you to compare 3, I recently interviewed 5 for my new property. A little exhausting to say the least!

• How will I find out who to interview? I find personal referrals from other property managers to be the best method.

• What are the most important areas to me in finding a property manager. Do you want the cheapest fees or the highest rent or is the service provided more important?

To follow is quite a long list of questions you may wish to ask a potential property manager. Have a read through it before you go to interview an agent and identify which questions are most important to you. After the questions is a form you can fill in while interviewing the agents. It’s best to start from the far right column so that you can fold that over out of sight when you start interviewing the next agent.

Structure:

• How is the property management department structured?

• Who will be your point of contact?

• How many people will you have to deal with on an ongoing basis?

• What is their contingency plan for when your point of contact is ill or on leave?

• What is the ratio of staff to properties managed?

Maintenance:

• What is their procedure?

• Do they contact the property own for all maintenance?

• Do they charge a fee to conduct maintenance?

• What percentages of their tradespeople are licensed?

• Can the owner nominate their own tradespeople?

• How are large bills paid (directly by the owner or through the rental receipts)?

Lease renewals:

It is very important to choose a company that handles their lease renewals promptly and efficiently ensuring your tenant always remains on a current lease.

• What is their procedure?

• Do they perform rental increases only upon lease renewal or during the period as well?

• Does the company charge to renew an existing lease (ie: where they don’t need to find a new tenant)

Rental arrears (tenants who are behind in rental payments):

• What is their procedure? (ie: how often do they check arrears, how many days behind does a tenant have to be before their procedure starts and what does that procedure consist of)

• At what point does the owner of the property get contacted to notify them their tenants are in arrears?

Inspections:

• How often is the property routinely inspected?

• Who conducts these inspections? (ie: is it your point of contact or someone else?)

• What points are noted on the inspection report to the owner?

• It is appropriate to view or request a sample of one of these reports.

Fees:

• What are all of the costs they charge (get written confirmation).

• Charges typically include: management fee (usually a percentage charged against all rent received), letting fee (usually a percentage or number of week’s rent charged up front when a new tenant is found), advertising (internet, newspaper etc), sundry or postage (usually a nominal fee per month), lease renewal (often charged when a lease is renewed as opposed to a new tenant being found).

• Will the owner be charged more than one letting fee in a year if there are more than one set of tenants (if the letting fee is based on a percentage of annual rent this can be costly).

• Are these fees negotiable (ie: for management of more than one property).

• It is appropriate to view or request a sample of the authority you would sign if you were to give them your property to manage.

Payments:

• By what method does the landlord get paid (direct debit to a bank account is the most common and convenient method).

• How often does the property owner get paid (weekly, fortnightly, monthly).

• What payment methods are available to tenants.

Statements:

• Does the statement get emailed, mailed or both to the owner

• It is appropriate to view or request a sample of one of these statements

Tenant screening:

• How is this performed and what does the tenant need to provide

• It is appropriate to view or request a sample of one of these statements

Advertising

• How are vacant properties marketed to the public (commonly – internet including large property portals and the real estate agent’s own website, newspaper, window display, in house database of tenants currently looking)

Estimated rental projection:

• What does the agent think the property is worth?

• What other comparable rentals on their books can they show you so that you know that their figure is realistic and achievable?

Other:

• Any other questions you think to ask

• Comments on their presentation materials etc

• Did they provide testimonials? Can they give you contact details for 5 of their current landlords who you could query about their service.

Preparation / Follow Up:

• What did the agent do before and after the presentation to stand out.

Overall rating:

• A section to rank a number of property managers

To download a free checklist to help you find the right Property Manager head to

Two primary realestate investment options exist. The first involves purchasing properties outright, while the second involves purchasing shares of real estate investment trusts (REIT). This article focuses on buying real estate outright and summarizes the various types of properties and how to earn profits from each.

With the exception of REIT shares, all realestate falls into the category of either residential or commercial properties. Residential realty includes single family dwellings, individual condo units, mobile and manufactured houses.

Commercial properties include apartments and condominium buildings, retail outlets, shopping malls, restaurants, and office complexes. Vacant land can fall into either category based on local zoning laws for use of the land.

Vacant land can be an exceptionally lucrative realestate investment. Raw land can be used for erecting commercial office buildings, shopping malls, or developing residential communities, as well as ranching and farming purposes. Vacant land located in rapid-growth areas can quickly increase in value.

Residential realestate is the most popular type of investment property. The majority of real estate investors begin by purchasing a single dwelling home to be used as rental property or for house flipping.

Rental realestate can offer a decent return on investment, but it can take ten years or longer to turn a profit. In the interim, investors are stuck with the headaches of being a landlord or the expense of hiring a property management group to oversee the property.

One option to overcoming these duties or expenses is to offer the realestate under a lease-to-own contract. Buyers provide a down payment and reside in the home as a tenant. A percentage of the rental income is contributed toward the purchase of the home. Lease-to-own contracts typically last two or three years; allowing the buyer time to develop sufficient credit to obtain a conventional home mortgage loan.

Lease-to-own contracts can allow investors to quickly generate profit from their realestate investment. Legal contracts should be drafted by a real estate attorney. Investors must submit specific documents to the IRS when engaging in rent-to-own properties.

Another well-liked realestate investment is flipping houses. House flipping requires the ability to spot a good investment property and purchase it below market value. Most realestate purchased for flipping require repairs and renovations. Investors should have access to a team of qualified experts who can make repairs quickly and efficiently. After repairs are made, investors must be able to sell the property quickly in order to turn fast profits.

The goal of rehabbing distressed properties is to buy, fix and sell within 60 to 90 days. This can be a lofty goal for unseasoned realestate investors.

Rental properties and flipping houses are just a few investment opportunities. Commercial investments are typically more profitable than residential realestate, but carry considerably higher risks.

Taking time to understand the pros and cons, legal liabilities, and property types can help investors develop solid strategies that generate steady cash flow. Going in blind can cost investors time and money and place them at risk for lawsuits or bankruptcy.

1)     Becoming an expert at property acquisition

2)     Understanding the rule of 7

3)     Using Leverage to your advantage

4)     Maintain strong cash flows

5)     Tax Benefits

Whilst there are many other factors that need to be considered by the property investor these are 5 critical aspects to increase wealth.

1)     When looking for the right property to purchase, DO NOT expect to find the perfect investment property within the first few days. Hours of sorting through properties will be required to find the best property to maximise returns. DO NOT expect to find the perfect property around the corner from you, or in the neighbourhood next door. You need to be flexible and look abroad, even interstate or overseas. When looking for an investment property you need to focus on return on investment. In other-words, how much money will I make on what I have put in. For instance when I invest in property, I will measure the return as a percentage, if I put $10,000 down as a deposit, and make $10,000 on that in the first year that’s a 100% return; not a bad result. How do you achieve these results and replicate them many times to create wealth? Read on to learn.

2)     The rule of 7 is simple. It stats on average a properties value doubles every seven years. This has shown to be historically true over the last 50 years, so there is no reason why this shouldn’t hold into the future. This underlying rule is what so many investors have relied upon to create wealth, many times over. Understand this and you will be on your way.

3)     Leverage is a wonderful tool for the investor. It allows us to place a small deposit on a property and reap the entire capital gains. For instance if I place a $20,000 deposit on a $200,000 house, and the house goes up 10% in the first year that’s 100% profit. On average property has gone up 10% per annum so you would effectively make 100% every year on the property. Any rental income would be used to service the $180,000 debt. Now if you did this across 10 properties outlaying $200,000 you would be making 100% per annum. In comparison, if you outlaid the whole $200,000 on one property you would make only 10% profit per annum as the one property would only go up 10%. Sure you would make some rental income as well but this would be relatively insignificant.

Now once the property goes up in value you can then use that equity to purchase more properties, so then it just keeps building up like a pyramid creating more and more wealth. The problem is most people are afraid of debt and avoid it at all costs. Only be afraid of bad debt, which are loans secured by liabilities. Loans secured by appreciating assets are good debt.

4)     Maintain a strong cash flow and ensure at all times you can service the debt with the rental income you are receiving. If you cannot do then move on to the next property on your search list.

5)     Do not overlook the tax advantages, which can be used to improve your cash flows. Claim everything you can, expenses, repairs, loan costs, management costs, administration costs, and most importantly DEPRECIATION. If something is not claimed it is usually depreciation. This deduction is something you can claim without outlaying a cent (except for maybe a depreciation schedule report). If your investment property is fairly new you can add thousands to your bottom line. Do not forget this one.

Real estate investment is not tricky, it just requires a bit of research and a sound plan of attack. If you can master these 5 key points you will be well on your way to success. Good Luck

© 2009 copyright http://www.realestate-investment.net

1. Fire your commision based financial planner. Get a fee-based financial planner (look them up on Google). Commission based like Prudential, American Express, Allstate, etc… are only going to show you products that give them fat commisions. In otherwords you will not get the help you really need. And a lot or all of your earnings will be negated and squandered on these heavy commissions. You need a non-biased financial planner who will find you the best investments regardles of what company has them. Fire your commission based financial planner.

2. Never ever buy whole life insurance! It is basically a big money maker for the agent (commissioned financial planner) – it is their highest commission product – why do you think they push it so hard? Two words are all you need to remember – TERM LIFE! Buy term for twenty years. You will save a ton and it is dirt cheap! Put your life in gear and you won’t have to worry about anything after those twenty years. Remember term life good – whole life bad.

3. Learn to stop impulse buying. If you can’t afford to pay cash don’t buy it. Tear up your credit cards except for one emergency card. The only purpose of a credit card is to make huge profits for the bank or store that gave you that card. If you have debts get a plan together to get them paid off. A fee based financial advisor can help you with this. Remember, accessories don’t make the man, owning your own home and being financially independent does.

4. Take 10% of your disposable income and invest it – pay yourself first – it works. If you can arrange for your employer to take it out of your paycheck or otherwise make it automatic that is best. If you don’t see it, you won’t miss it. If your employer has a 401K program max it out. Especially if they have a percentage match contribution – thats free money. $50 here and a $100 there may not seem like much, but it will compound fast. And the larger your investments get the more they will make. Ther rich learned that they can only earn so much themselves, but their money can gro to the point where it will earn far more than you could ever earn. Get started saving and investing.

5. Switch your auto insurance to Progressive – Regardless of what the commercials say they are the lowest price, best service, and best deal – period! Do you think your local agent and those paid endorsers work for free – they get paid from your higher fees and commissions (it has to come from somewhere). Remember it adds up – an extra $200 – $800 saved per year from your insurance invested correctly will be worth $20,000 really fast.

6. Invest in DRIPs – Direct Reinvestment Plans. Many of the top companies have these and it allows you to invest for very low or no trading fees (some even give you a discount so it actually ends up paying you just to invest – I like that). Exxon Mobil (XOM) and Cross Timbers Oil Co. (XTO) are hot oil DRIP’s. XTO has experienced a more than 1200% growth in the past 3 years. Buy it. You need to have a good, solid play in the oil, energy sector. They don’t have the best dividends, but with their growth who cares? I also recommend buying natural gas – Piedmont Natural Gas (PNY) is the steadiest, safest player in this field. Great dividends and rock solid – it won’t give you the gains of XTO but will average out some of the peaks and lows. Buy it. Remember to get diversified so find a financial DRIP like Banco Popular (BPOP) – a great spanish bank ripe for a takeover that pays great dividends.

7. For instant diversification, steady growth and solid dividends use an ETF (Exchange Traded Fund). Unlike mutual funds, etf’s can be traded throughout the day just like stocks. Choose an ETF that tracks a major or minor stock index (for better diversification). I recommend IJR – it provides the best growth and dividend return of the ETF’s. Buy IJR. Remember do not put more than 20% of your investment portfolio under any one stock or ETF – diversification is the key to amassing great wealth.

8. Learn that no matter how hard you work for someone else you will never be paid what you are worth. You will only be paid what you are worth when you realize this and decide to go into business for yourself. Do your homework first and pick something you like that can be turned into a moneymaker. Remember 70% of new small businesses fail mostly due to poor planning. You will make mistakes, we all do, but its how you interpret those mistakes and what you learn from them that makes the difference.

9. Whatever your religion, pray and read your bible. If you trust and have faith in God you will be provided with what you need. The steps above will provide you with financial freedom and wealth. If you let him, God will provide you with understanding, happiness, meaning to life and less stress. Studies have shown that people who pray and have faith are healthier and live longer. What good does all that money do if you can’t enjoy it and help others with it? Volunteer. Be a Big Brother. Help others out. Once you have become successful please help others to do the same. Pray, read your bible and volunteer.

There you have it – if you follow this advice you will undoubtedly be well on your way to financial freedom and happiness. And there’s more easily proven and helpful advice here than in all those infomercials and books you see on TV like no money down realestate, the greatest vitamin, paytrading, etc… Fire your commissioned investment advisor. Stay away from Whole Life and only purchase Term Life – you will save tons.Learn to pray and read your bible. Do yourself a favor and print this out. If you care about your friends give it to them. Put it in your email lists. If you believe in helping others and making the world a better place then pass it on to everyone you can. These ideas and stock tips will provide you and everyone else with solid gains for years and a greater chance at financial freedom. The best thing is it didn’t cost you a cent.

Just do me a favor and visit and promote my sites listed below.

General things to consider while purchasing cheap houses:
- Misled property investors, Rate Cuts, & First Time property buyers
- Real Life real estate
- Starting Out Small
- Analyzing the Value of investment Properties
- Leverage
- What do the property experts Say
- The Art of Negotiating
- What the great property developers do
- Adjustable Rate Mortgage Help
- Preparing for a Rental Boom

Purchasing cheap houses is a wise property investment idea for a number of reasons:
-tax benefits, how you can leverage other people’s money
-appreciation
-cash flow via rental payments.

You must be able to adapt as whatever new market conditions are emerging. As a property investor always try to work with available opportunities–no matter what type of market you are facing. To find a proper investment properties in UK search in emerging markets. Then only you will be able to earn significant profits from using powerful relationships with realestate agents. Websites offers online property investment information such as

- Preconstruction investment properties
- New construction investment properties
- Residential investment properties
- Commercial investment listings
- Property investment advice
- Property investment information’s
- Proper resources etc.

To find fortitude and investment opportunities in suitable location for your comfort you must search online to gather property investment information’s. As realestate websites simply builds big networks of property investors for oversea properties and leverage the power of online investment properties industry to the mutual benefit of property purchasers involved. The projection of this high growth rate trajectory primarily stems from the fact that opportunities in UK are simply immense.

Property investment in UK offers all types of investment properties, be it a residential or commercial property. Investment properties in UK have become a great opportunity in recent times with property investors who are finding it profitable to invest in cheap houses. Property investment if carefully done can take property builders a good wealth. Nowadays low mortgage rates and rising investment property prices, investing in UK properties can be an ideal choice. Invest in cheap houses in UK offers a good option to develop equity while having the potential for capital gains. Property investment seminars are conducted by all leading financial institutions on investment properties such as apartments, offices, retail or industrial buildings.