Is the Real Estate Market Predictable?

Is the Real Estate Market Predictable?
Posted Monday February 4, 2019 in Investing, Real Estate

Whether you’re looking to buy your first rental property or you’re a seasoned real estate investor in looking to add yet another property to your portfolio, you’ll want to reassure yourself that you’re buying at the right time. It’s a common belief that the real estate market fluctuates in cycles, with prices rising and falling…

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Tips for Buying Properties at Foreclosure Auctions

Tips for Buying Properties at Foreclosure Auctions
Posted Tuesday January 29, 2019 in Foreclosure, Investing

A word of caution: Buying a foreclosure at auction comes with a high level of risk. Do your homework and consider the following: Does the property have liens, multiple mortgages, code violations, or other issues? Are tenants or the former owner still occupying the property? Who will be responsible for evicting any occupants? You’ll be…

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Apartment Rents Expected to Rise Faster Than Inflation in 2019

Apartment Rents Expected to Rise Faster Than Inflation in 2019
Posted Tuesday January 22, 2019 in Investing

Rents are likely to rise faster for older, class-B apartments in 2019 than for any other class of apartment property. “We expect Class-B to continue to have the strongest average rent growth, as it has through recent history,” says Andrew Rybczynski, senior consultant at research firm the CoStar Group. Rents continue to rise for new…

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Best Cities To Find Discounted Home Listings

Best Cities To Find Discounted Home Listings
Posted Tuesday January 15, 2019 in Investing, Real Estate

Discounted listings are becoming more commonplace, with 38 of the largest 45 U.S. markets seeing an increase in price reductions in December, according to a new report from realtor.com®. The highest number of price reductions on homes was in Charlotte, N.C., where 24 percent of listings were discounted in December, followed by San Jose, Calif.…

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House Flipping Is Not Slowing Down In These Cities

House Flipping Is Not Slowing Down In These Cities
Posted Wednesday January 9, 2019 in Investing, Real Estate

Despite the U.S. ostensibly shifting to more of a buyer’s market, flipping is still growing in certain pockets. Flips are popular, in part, because first-time buyers want affordable homes that entail little upfront improvements, according to Charles Tassell, chief operating officer of the National Real Estate Investors Association. “(Millennials) want to move into a home…

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How to Determine Average Vacancy Rate

How to Determine Average Vacancy Rate
Posted Wednesday January 2, 2019 in Investing, Real Estate

Vacancy rate: This term denotes the percentage of a year that a property will sit empty. It is a very important calculation to include in your numbers when you buy a rental property in , but it is also an “average” number that you should consider when determining the best location in which to purchase…

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3 Ways to Make the Most on Your Honolulu Flip

3 Ways to Make the Most on Your Honolulu Flip
Posted Wednesday December 26, 2018 in Investing, Private Lending

We frequently encounter investors who are not getting hot prices on their flips. Usually, this is directly linked to a few common misconceptions nearly every seller, investor or otherwise, is prone to when they are listing in a market with very high housing demand. If you want “highest and best” to be the highest possible…

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Types Of Hard Money Lenders

Types Of Hard Money Lenders
Posted Tuesday December 18, 2018 in Investing, Private Lending

Are you aware that there are different types of hard money lenders? To begin with, the classification “hard money lender” can describe multiple types of lenders, and you need to know which type you’re dealing with before you borrow. Knowing exactly where your funds will be coming from can make a big difference in your…

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How to Calculate Net Operating Income

How to Calculate Net Operating Income
Posted Tuesday December 11, 2018 in Investing, Real Estate

You can calculate net operating income (NOI) for your real estate investment by using the generally accepted net operating income formula, which is your potential rental income plus any additional property-related income minus vacancy losses minus total operating expenses. Keep in mind the net operating income formula can vary depending on who calculates it. For…

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Three Approaches To Real Estate Value

Three Approaches To Real Estate Value
Posted Tuesday December 4, 2018 in Investing, Real Estate

There are three methods real estate investors or analysts use to arrive at their opinion of value. One or more of these methods can be used in any given assessment. Typically, the primary method used will rely almost entirely on the type of property being assessed or appraised. Other determining factors may include the goal…

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© 2019 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

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