Tuesday, March 3, 2009

▀►WE BUY HOUSES ALL CASH▀►NO EQUITY??? (▀►CASH FOR HOUSES▀►)

Welcome To Stalwart Redevelopment, Inc,

Stalwart Buys Houses®

(503) 501-1134

Instant Cash Offer

Any Area, Any Price, Any Condition

All Cash, As-Is No Fees

Call Today, Get CA$H Tomorrow!!®

Instant Cash Offer

Who Is Stalwart Redevelopment, Inc?

Stalwart Redevelopment, Inc is your friendly local home buying service .We are not Realtors. We at Stalwart Redevelopment, Inc. can provide home sellers with a hassle-free, fair price, quick purchase of their home with no regard to the homes condition, price, or location. Stalwart Redevelopment, Inc. is aware of the volatility of the Real Estate and Mortgage market and knows sometimes lenders can lure prospecting home buyers into buying more than they can afford or accept an adverse financing package, such as an adjustable rate mortgage or an initial high interest rate. We are experts in the field of Real Estate and We have a custom fit solution to all problems homeowners may encounter. Whether you have no equity or tons of equity Stalwart Redevelopment, Inc. can provide you with a superb solution to keep you smiling knowing you got a great price for your property and you can enjoy a fresh start. However, you don't have to be in foreclosure to have Stalwart Redevelopment, Inc. as a buyer for your property. We buy Houses in all situations. Weather it be a divorce, loss in the family, Probate, or you simply just want to sell to sell, we at Stalwart Redevelopment are your buyer. If you have any questions please view our Frequently Asked Questions page.

By having Stalwart as your buyer, you will enjoy the freedom of being able to sell your property for a great price, on the day of your choice without any of the following headaches:

  • Real Etate commissions to brokers who promise you a fast and painless sale.
  • Lender required appraisals, inspections and needless seller contingencies.
  • Long drawn out closing dates.
  • Having to spend thousands of dollars and endless time on cleaning your place up to get buyers interested.
  • The current Real Estate market.
  • Having to pay closing costs and other fees to help other non-qualified buyers close.

    Instant Cash Offer

Sellers are faced with the above hassles on a daily basis, conversely, we can provide you with just the opposite of the above, including:

  • No Inspections, Appraisals or Contingencies.
  • We can Close in as soon as 1 day.
  • We buy your property in any condition.
  • We buy regardless of the current cycle of the Real Estate market.
  • There's never any fees or costs to you.

    And....WE PAY CASH!!!!

Instant Cash Offer

(503) 501-1134

We buy houses, we buy homes, we pay cash for houses, cash for homes, cash for land, sell house quick, sell house fast, sell in a hurry, fast sell, fast cash for houses, fast cash for homes, buy my house, buy my Portland house, buy my Oregon house, buy my home, cash for my house, cash for my home, sell as-is, sell for cash, sell my house fast for cash, sell my nw house, sell my nw home, Oregon real estate, solutions for home sellers, avoid foreclosure, stop foreclosure, phoenix solutions, cash for property, cash for land, buy my house fast, sell house quick, sell home for sale by owner, we buy houses, we buy dwellings, 800 cash for houses, house sold, sell in 1 day, sell now, we buy ugly houses, houses ugly we buy, ugly and pretty, your house sold fast, my house sold fast, Portland homebuyers, Oregon homebuyers, Washington homebuyers, Vancouver houses sold, Portland houses on market we buy. Sell now today in 1 hour. We buy homes and houses in Clackamas county, Washington county, Multnomah county, Scappoose county, Tillamook county, coos county, Marion county, we buy homes and houses and homes in all counties and all cities ion Portland and Oregon and Beaverton and Washington and Vancouver and in the united states we’re a homebuyer who pays cash for houses.

Instant Cash Offer

►►►►STALWART► BUYS HOUSES►"-CA$H FOR HOMES (CA$H FOR HOMES►► 1.866.735.5461)

STALWART BUYS HOUSES

1 (866) SELL IN 1 DAY

ALL CASH ANY CONDITION

Instant Cash Offer

1 (866) SELL IN 1 DAY

(866) 735-5461

Instant Cash Offer

▀▀WE BUY HOUSES▀▀WE PAY CA$H FOR HOUSES▀▀ (▀▀CA$H FOR YOUR HOUSE▀▀)

Welcome To Stalwart Redevelopment, Inc,

Stalwart Buys Houses®

(503) 501-1134

Instant Cash Offer

Any Area, Any Price, Any Condition

All Cash, As-Is No Fees

Call Today, Get CA$H Tomorrow!!®

Instant Cash Offer

Who Is Stalwart Redevelopment, Inc?

Stalwart Redevelopment, Inc is your friendly local home buying service .We are not Realtors. We at Stalwart Redevelopment, Inc. can provide home sellers with a hassle-free, fair price, quick purchase of their home with no regard to the homes condition, price, or location. Stalwart Redevelopment, Inc. is aware of the volatility of the Real Estate and Mortgage market and knows sometimes lenders can lure prospecting home buyers into buying more than they can afford or accept an adverse financing package, such as an adjustable rate mortgage or an initial high interest rate. We are experts in the field of Real Estate and We have a custom fit solution to all problems homeowners may encounter. Whether you have no equity or tons of equity Stalwart Redevelopment, Inc. can provide you with a superb solution to keep you smiling knowing you got a great price for your property and you can enjoy a fresh start. However, you don't have to be in foreclosure to have Stalwart Redevelopment, Inc. as a buyer for your property. We buy Houses in all situations. Weather it be a divorce, loss in the family, Probate, or you simply just want to sell to sell, we at Stalwart Redevelopment are your buyer. If you have any questions please view our Frequently Asked Questions page.

By having Stalwart as your buyer, you will enjoy the freedom of being able to sell your property for a great price, on the day of your choice without any of the following headaches:

  • Real Etate commissions to brokers who promise you a fast and painless sale.
  • Lender required appraisals, inspections and needless seller contingencies.
  • Long drawn out closing dates.
  • Having to spend thousands of dollars and endless time on cleaning your place up to get buyers interested.
  • The current Real Estate market.
  • Having to pay closing costs and other fees to help other non-qualified buyers close.

    Instant Cash Offer

Sellers are faced with the above hassles on a daily basis, conversely, we can provide you with just the opposite of the above, including:

  • No Inspections, Appraisals or Contingencies.
  • We can Close in as soon as 1 day.
  • We buy your property in any condition.
  • We buy regardless of the current cycle of the Real Estate market.
  • There's never any fees or costs to you.

    And....WE PAY CASH!!!!

Instant Cash Offer

(503) 501-1134

We buy houses, we buy homes, we pay cash for houses, cash for homes, cash for land, sell house quick, sell house fast, sell in a hurry, fast sell, fast cash for houses, fast cash for homes, buy my house, buy my Portland house, buy my Oregon house, buy my home, cash for my house, cash for my home, sell as-is, sell for cash, sell my house fast for cash, sell my nw house, sell my nw home, Oregon real estate, solutions for home sellers, avoid foreclosure, stop foreclosure, phoenix solutions, cash for property, cash for land, buy my house fast, sell house quick, sell home for sale by owner, we buy houses, we buy dwellings, 800 cash for houses, house sold, sell in 1 day, sell now, we buy ugly houses, houses ugly we buy, ugly and pretty, your house sold fast, my house sold fast, Portland homebuyers, Oregon homebuyers, Washington homebuyers, Vancouver houses sold, Portland houses on market we buy. Sell now today in 1 hour. We buy homes and houses in Clackamas county, Washington county, Multnomah county, Scappoose county, Tillamook county, coos county, Marion county, we buy homes and houses and homes in all counties and all cities ion Portland and Oregon and Beaverton and Washington and Vancouver and in the united states we’re a homebuyer who pays cash for houses.

Instant Cash Offer

►►►WE PAY CASH FOR HOUSES►►►CLOSE IN 1 DAY & (►►1-866 SELL IN 1 DAY►► )

Come Visit us @ www.OnlyCashNow.com

We Pay Cash For Houses

(503) 501-1134

All Cash, As-Is, No Fees

Any Condition, Any Situation

Instant Cash Offer

Whatever your situation may be, Stalwart Redevelopment, Inc. is here to assist you with whatever goal you may have regarding your property. Do you wish to sell your property? We can help you with that. Are you struggling to keep your property? We prefer to help you with that. The house buying business is not about your equity, your house, or anybody's financial gain, it's about you. It's about the homeowner, the seller.

The Real Estate professionals at Stalwart Redevelopment, Inc. are only concerned about your goals and how we can assist you in achieving them. Alot of people will balk at this, and the reason is simply because past supposed "houseBuyers" have been unfair with homesellers and created a stereotype that has affected the honest and fair homebuyers that are here to actually help you achieve your goals. All that is left to be said is TRY US OUT. There's never any obligation and our services are always COMPLETELY FREE OF CHARGE. Call us if you need assistance in developing a plan to keep your home, or call us if you need to sell it. Or, call us for information about some things you might not know. Call us for ANY REASON, WE ARE HERE TO ASSIST YOU.

Instant Cash Offer

(503) 501-1134 24/Hour Service

Or, Come Visit us @ www.OnlyCashNow.com

As featured in:

We buy houses, we buy homes, we pay cash for houses, cash for homes, cash for land, sell house quick, sell house fast, sell in a hurry, fast sell, fast cash for houses, fast cash for homes, buy my house, buy my Portland house, buy my Oregon house, buy my home, cash for my house, cash for my home, sell as-is, sell for cash, sell my house fast for cash, sell my NW house, sell my NW home, Oregon real estate, solutions for home sellers, avoid foreclosure, stop foreclosure, phoenix solutions, cash for property, cash for land, buy my house fast, sell house quick, sell home for sale by owner, we buy houses, we buy dwellings, 800 cash for houses, house sold, sell in 1 day, sell now, we buy ugly houses, houses ugly we buy, ugly and pretty, your house sold fast, my house sold fast, Portland home buyers, Oregon home buyers, Washington homebuyers, Vancouver houses sold, Portland houses on market we buy. Sell now today in 1 hour. We buy homes and houses in Clackamas county, Washington county, Multnomah county, Scappoose county, Tillamook county, coos county, Marion county, we buy homes and houses and homes in all counties and all cities ion Portland and Oregon and Beaverton and Washington and Vancouver and in the united states we’re a homebuyer who pays cash for houses.

▀▀WE BUY HOUSES▀▀▀▀WE BUY HOUSES▀ð (▀▀▀▀CA$H FOR HOUSES▀▀)

www.BuyMyPortlandHouse.com

We_Buy_Houses_For_Cash

1-866 SELL IN 1 DAY

Home Of The "Instant Cash Offer"

Instant_Cash_Offer

1-866 SELL IN 1 DAY

Instant_Cash_Offer

1-866 SELL IN 1 DAY



Instant_Cash_Offer

1-866 SELL IN 1 DAY

WE BUY HOUSES

Do you need to sell your house fast? www.BuyMyPortlandHouse.com is ready to give you a fast no obligation offer to buy your house. You won't have to wait long to find a buyer for your house, www.BuyMyPortlandHouse.com are ready to purchase houses fast.

We_Buy_Houses_For_Cash

Instant_Cash_Offer

1-866 SELL IN 1 DAY

Our Goal:

To connect you with local investors who can give you fast no obligation offers to buy your house fast.

To provide you with information in the form of articles to help you make knowledgeable decisions.

Our system is designed to help you sell your house fast, by getting you fast offers from investors who buy houses quickly.

Some of our informative articles include:

"Do we

Buy Houses in any condition?" We_Buy_Houses_For_Cash

We_Buy_Houses. Everything you want to know."

We_Buy_Houses Nationwide and in every cities.

When to sell To Us:

You need to receive fast offers to sell your house now.

You want an investor who is ready to buy houses fast, with cash.

You have an ugly house not suitable for retail.

Your payments are behind and you need to "Stop_Foreclosure", or delay long enough to sell.

You are concerned about any of the options below that you may have to deal with when selling retail:

-Possibly months waiting to find a buyer.

-Rehabbing your house for retail market.

-Making payments during rehab & marketing

-Advertising, showing, open houses, etc.

We_Buy_Houses_For_Cash

Problems you may sometimes experience selling your house yourself retail:

a. Months of waiting to sell your house on the retail market.

b. Long rehab, repair jobs and dealing with contractors.

c. Advertising, open houses, showing your house to the curious at all hours.

d. Continuing to make the mortgage payments while the house is vacant.

f. Selling on the For Sale By Owner market, taking calls at all hours.

g. You won't have to worry about a foreclosure on your history.

h. Coming up with cash to catch up on house payments, or back taxes if you are behind.

We also buy town homes, condos, duplex, triplex, apartments and commercial property.

www.BuyMyPortlandHouse.com aims to make fast "Ca$h Offers" to buy your house.

With so much information on the web, it can be difficult for you to find the right resources you need to connect with cash buyer investors. At this one stop location,We can give you no obligation offers to buy your house. We'll also teach you through our numerous articles, questions and answers, how to go through the process, connect with the right investors and protect yourself through proper disclosures, selling your home.

If you're interested in trying out the rehab and sale process yourself, look no further. We provide information for home owners wishing to accomplish this and also new investors who would like to learn more about the house rehab, repair and resell process. For this and related information, we suggest you read the FAQ's, or articles. You will find articles like the series, Fix and Sell Your Ugly House Yourself. We buy houses.

Throughout the context of this site the words "we", "our" and "investors" are used loosely to describe investors within at www.BuyMyPortlandHouseFast.com.

This site is not associated with the company, franchise, HomeVestors ® of America, and WE BUY UGLY HOUSES ™

Professional Home Inspections (Portland Metro and Beyond)

HomeSmart is a locally owned and operated home inspection company, serving the greater Portland Metro area. We offer extremely competitive pricing along with a friendly and fun atmosphere. You'll leave knowing more than you ever expected from your inspection, and then receive your full color report, with pictures, via email by the next day (that same devening in most cases). We'll make sure your realtor receives a copy as well.



*Inspections for most homes between $280 and $330.

*Experienced, intuitive and thorough.

*Flexible scheduling and billing.

*Fully licensed, bonded and insured (including E&O with realtor indemnity).

*References from both professional realtors and customers available upon request.



Please visit our website at www.GoHomeSmart.com or call (503) 928-6025 with questions and/or to schedule a home inspection.

Professional Home Inspections (Portland Metro and Beyond)

HomeSmart is a locally owned and operated home inspection company, serving the greater Portland Metro area. We offer extremely competitive pricing along with a friendly and fun atmosphere. You'll leave knowing more than you ever expected from your inspection, and then receive your full color report, with pictures, via email by the next day (that same devening in most cases). We'll make sure your realtor receives a copy as well.



*Inspections for most homes between $280 and $330.

*Experienced, intuitive and thorough.

*Flexible scheduling and billing.

*Fully licensed, bonded and insured (including E&O with realtor indemnity).

*References from both professional realtors and customers available upon request.



Please visit our website at www.GoHomeSmart.com or call (503) 928-6025 with questions and/or to schedule a home inspection.

*$68.00* DRAIN CLEANING! CALL THE UNPLUGGER $68.00! (**ALL AREAS**)

CALL US FIRST! FOR YOUR CLOGGED DRAINS AND GUTTERS,BEST PRICES!

CALL THE UNPLUGGER FIRST! DRAIN CLEANING EXPERTS. (503)853-1421or(971)255-1324



DRAINS UNCLOGGED STARTING AT $68.00. GUTTERS CLEANED STARTING AT 75 CENTS A FOOT.

TOILETS

SHOWERS

BATH TUBS & SINKS

KITCHEN SINKS

LAUNDRY LINES & SINKS

FLOOR DRAINS

GUTTERRAIN DRAINS & GUTTER CLEANING

MAIN SEWER LINES



WE HAVE SERVED THE PORTLAND AND VANCOUVER AREAS FOR OVER 30 YEARS.

WE ARE FAST, EFFICIENT, AND ON TIME.

WE BELIEVE IN GIVING OUR CUSTOMERS THE BEST DEAL IN TOWN.



WE OFFER A 10% DISCOUNT FOR SENIORS.

A WRITTEN 30 DAY GUARANTEE.

SAME LOW PRICES ON WEEKENDS GUARANTEED.

SO CALL THE UNPLUGGER TODAY AT (503)853-1421or(971)255-1324

7 DAYS A WEEK 24 HOURS A DAY.

REQUIRED CITY BUSINESS LICENSE #698690. keywords clog,clogs,clogged,clogged tub,clogged bath tub,clogged sink,clogged bath sink,clogged kitchen sink,clogged toilet,clogged laundry tub,gutter,clogged gutter, clogged gutter drain,rain,rain drain,clogged rain drain,garbage disposal,dispsal,clogged sewer,sewer,clogged sewer line,main line,clogged main line,plug,plugged,plugged tub,plugged toilet,plugged sink,plum,plumb,plumer,plummer,plumber,plumin,plumbin,plumbing,floor drain,basement drain,drain cleaner,drain cleaning,clean out,faucet,snake,snakes,snaking,snaking drains,drain snaking,toilet,sink,laundry,leaves,handyman,services,drywall,sheetrock,siding, doors,decks,and more,theunplugger (503)853-1421or(971)255-1324

Home Loan Modification!Behind in payments?You have options! (Portland & surrounding areas/Vancouver)



Need someone to talk to now about stopping your foreclosure and bringing your mortgage current? Have your questions answered and find out all your stop foreclosure options? Feeling Devastated that there are no options? You have options!



WE work with your lender in succeeding to:

-STOP FORECLOSURE

-FORGIVE LATE PAYMENTS

-LOWER PRINCIPAL BALANCE

-LOWER INTEREST RATE

-GIVE YOU AN AFFORDABLE PAYMENT



OUR COMPANY IS A NATIONWIDE INDUSTRY LEADER IN LOAN MODIFICATIONS AND FORECLOSURE PREVENTION SERVICES WITH A STAFF OF OVER 35 YEARS EXPERIENCE IN THE MORTGAGE AND REAL ESTATE INDUSTRY. WITH OUR YEARS OF EXPERIENCE AND SUCCESSFUL PROGRAMS WE HAVE HELPED THOUSANDS OF AMERICANS SUCCEED IN OBTAINING MONTHLY PAYMENT THAT THEY ARE COMFORTABLE IN PAYING. WE HAVE AN "A" RATING WITH THE BETTER BUSINESS BUREAU.



Call us for a no obligation consultation and we will give you all your options and a hardship or stop foreclosure reinstatement qualification review. We are confident we can help you stop your foreclosure and/or get your mortgage current at affordable and satisfactory terms! BE ONE THAT IS HELPED!



We will review your specific lender mortgage situation, qualify you at no obligation, and present the best course of action to save your home.

We have no up front charge for our initial counseling service and for your program qualification. Once qualified our program services are Money back guaranteed to stop your foreclosure at satisfactory terms or there are no program charges.

NOW IS THE TIME TO MODIFY. THIS IS NOT A REFINANCE. WE HAVE A MONEY BACK GUARANTEE.



CALL OR EMAIL TODAY FOR YOUR FREE CONSULTATION.

MIA KATHRYN DUNAWAY- YOUR LOCAL FORECLOSURE SPECIALIST

DIRECT LINE 425 422-0799 Alternate Phone 503 284-2587

E-MAIL miahomeloanhelp@aol.com



Home Loan Modification!Behind in payments?You have options! (Portland & surrounding areas/Vancouver)



Need someone to talk to now about stopping your foreclosure and bringing your mortgage current? Have your questions answered and find out all your stop foreclosure options? Feeling Devastated that there are no options? You have options!



WE work with your lender in succeeding to:

-STOP FORECLOSURE

-FORGIVE LATE PAYMENTS

-LOWER PRINCIPAL BALANCE

-LOWER INTEREST RATE

-GIVE YOU AN AFFORDABLE PAYMENT



OUR COMPANY IS A NATIONWIDE INDUSTRY LEADER IN LOAN MODIFICATIONS AND FORECLOSURE PREVENTION SERVICES WITH A STAFF OF OVER 35 YEARS EXPERIENCE IN THE MORTGAGE AND REAL ESTATE INDUSTRY. WITH OUR YEARS OF EXPERIENCE AND SUCCESSFUL PROGRAMS WE HAVE HELPED THOUSANDS OF AMERICANS SUCCEED IN OBTAINING MONTHLY PAYMENT THAT THEY ARE COMFORTABLE IN PAYING. WE HAVE AN "A" RATING WITH THE BETTER BUSINESS BUREAU.



Call us for a no obligation consultation and we will give you all your options and a hardship or stop foreclosure reinstatement qualification review. We are confident we can help you stop your foreclosure and/or get your mortgage current at affordable and satisfactory terms! BE ONE THAT IS HELPED!



We will review your specific lender mortgage situation, qualify you at no obligation, and present the best course of action to save your home.

We have no up front charge for our initial counseling service and for your program qualification. Once qualified our program services are Money back guaranteed to stop your foreclosure at satisfactory terms or there are no program charges.

NOW IS THE TIME TO MODIFY. THIS IS NOT A REFINANCE. WE HAVE A MONEY BACK GUARANTEE.



CALL OR EMAIL TODAY FOR YOUR FREE CONSULTATION.

MIA KATHRYN DUNAWAY- YOUR LOCAL FORECLOSURE SPECIALIST

DIRECT LINE 425 422-0799 Alternate Phone 503 284-2587

E-MAIL miahomeloanhelp@aol.com



^^^VIP Automatic HOMEFINDER Program^^^ (Portland area)

*OWN A HOME FOR AS LITTLE AS $1099 A MONTH!



Get AUTOMATIC Listings Directly to your E-Mail

Be the FIRST to get the HOT, New Listings

Fresh Price Changes too!

Saves You Time & Money (no outdated print material)





Simply call and listen to recorded information at 1-888-718-7071, code #102 (talk to NO agent) or visit the FREE VIP Homefinder Program at:



http://www.ShopPortlandHomes.com







^^^VIP Automatic HOMEFINDER Program^^^ (Portland area)

*OWN A HOME FOR AS LITTLE AS $1099 A MONTH!



Get AUTOMATIC Listings Directly to your E-Mail

Be the FIRST to get the HOT, New Listings

Fresh Price Changes too!

Saves You Time & Money (no outdated print material)





Simply call and listen to recorded information at 1-888-718-7071, code #102 (talk to NO agent) or visit the FREE VIP Homefinder Program at:



http://www.ShopPortlandHomes.com







TAKE ADVANTAGE OF THE SHORT SALE MARKET (PORTLAND/VANCOUVER)

SAVE THOUSANDS IN YOUR HOME PURCHASE. THIS IS ABSOLUTELY THE BOTTOM OF THE PORTLAND AREA MARKET. BUY WHILE INTEREST RATES ARE THE LOWEST IN 40 YEARS.

CLICK HERE TO GET YOUR LIST OF OVER 2,000 "SHORT SALE" AND BANK-OWNED PROPERTIES IN THE PORTLAND/VANCOUVER AREA

Monday, March 2, 2009

PRIVATE MONEY REAL ESTATE LOANS ARE HERE (Portland)

Here is a list of Private Money loan options currently available through Yeager Financial, LLC:





No Minimum Credit Score

*Single & Double Wides (even NOO)(Pre-Hud at lower LTV's)

*Land loans

*Second Homes

*Commercial

*Investment Properties

*Mixed Use

*Multi-Family

*Maximum LTV 65%

*No Prepayment Penalties

*Rehab loans

*Cash out refinance options



Yeager Financial is a Commercial and Private Money Mortgage Broker. We work with an aggressive group of Lenders and Investors that want nothing more than to help you purchase or refinance the property of your choosing. We specialize in providing Commercial and Private Money Real Estate financing in states west of the Mississippi.



If you have questions or would like to be pre-approved for real estate financing, CALL:



Monty Yeager

Yeager Financial, LLC.

208-570-0520

Sunday, March 1, 2009

Does Your Investment Property Still Measure Up?

The purpose of this page is to give a friendly reminder to people who own investment property. You probably made a good investment when you first bought your investment property. But have you owned it too long?

Depending on how long you’ve held your property, it might not be a good investment anymore. We didn’t say not a good property; we said not a good investment. Read on to find a simple way to determine if your property is still measuring up. You may be in for a surprise!

First, let’s quickly review the four financial benefits of owning investment real estate:

  1. CASH FLOW: After you pay all expenses and loan payments, cash flow is the money left over.



  2. PRINCIPAL REDUCTION: The loan is paid down with money collected from tenants.



  3. INCOME TAX SAVINGS: IRS rules allow property owners to take depreciation deductions, which shelter the cash flow and principal reduction. Any leftover depreciation creates a paper loss, which, in many cases, can be used to shelter other income — such as salary from your job.



  4. APPRECIATION: Over time, the property increases in value.

These four benefits are powerful! You earn tax-sheltered cash flow, your tenants buy you the building, you get to tell the IRS you’re losing money, and all-the-while, the property goes up in value.

So why are we challenging you to reconsider whether your property is still a good investment? Simple! Your “return on equity” is probably low — and getting lower by the year!

Let us show you an example. Don’t get all tangled up in the numbers. Just concentrate on the big picture and how it applies to you.

Return on Equity Drops from 18 to 3 Percent

Assume you bought a rental house 10 years ago for $70,000. You invested $10,000 and borrowed the rest. Your goal is to retire in another 15 years and use the rental house to provide retirement income. (A great plan!)

So, how good was your investment? Let’s total your benefits. Assume the cash flow, principal reduction and tax savings added up to $1,800 that first year. You were earning 18 percent ($1,800 divided by $10,000) on your investment. Not bad. Plus the rental house was appreciating.

Fast-forward 10 years to the present. Let’s assume the following: Your yearly cash flow has increased to $5,000 and the principal reduction is $2,000; a total of $7,000 — just from the first two benefits! In addition, let’s assume the net value of your rental house has appreciated over the years so it’s now worth $220,000 and your loan has been paid down to $40,000.

However, because you’ve owned the property so long, the depreciation deductions (assume they’re $3,000) are no longer enough to shelter the $7,000 of cash flow and principal reduction. That leaves $4,000 of unsheltered (taxable) income. Instead of saving tax, you have to pay tax. If you're in a 35-percent bracket, (combined federal and state), you pay $1,400 tax.

So, your benefits from the rental house now look like this: $5,000 cash flow, plus $2,000 principal reduction, minus $1,400 tax paid. A total of $5,600.

This is all summarized on the “Return on Equity Worksheet” below. (The blanks in the right column are for you to use on your own property.)

A more detailed form is available at www.kenandvicki.com/InvestmentWorksheet.xls

If you measure the $5,600 against your original $10,000 investment: that’s a 56 percent return. But that’s where most people go wrong!

Your Original Investment Has Nothing to Do with Today’s Rate of Return!

Your investment is not the amount you originally invested years ago. You’ve got way more than $10,000 “tied up” today! Your investment is the amount you could get out of the property if you sold it today. That’s called your “net equity.”

Over the past 10 years, your property has increased in value and your mortgage has been paid down. The current difference between the property’s net value and your mortgage balance is $180,000. In other words, if you sold the property today, you could walk away with $180,000.

However, if you keep the property, in effect you’re re-investing the $180,000 into the property. Now, how does your investment look?

Not so good. You’re earning $5,600 in benefits on an $180,000 investment — that’s only 3 percent! What if a REALTOR called you up and said, “I’ve got a great real estate investment for you. You’ll earn 3 percent.” You’d hang up on them! Well, you already own it!

If you wouldn’t buy a property like that, why would you continue to own it?

What if you did this instead? Use your $180,000 equity as the down payment on a different property — one that produces 18 percent again? With that down payment you could probably afford a $600,000 rental property your tenants would buy for you. Once you’ve owned that property for a few years, your equity will have grown again (and your rate of return fallen), so you repeat the process. The goal is to maintain the highest possible rate of return, which will make a huge difference in your future wealth.

You’ll maximize your wealth by wisely moving your equity from your current property to another as soon as your rate of return would be greater in the next property.

Just for fun, take out your calculator and figure how much money you’d have in 15 years if you leave the $180,000 invested at 3 percent. Then calculate what $180,000 invested at 18 percent grows to in 15 years.

Three Ways to Move Your Equity

Here’s a key point. If you decide it’s time to “move your equity,” be sure to explore all your options. There are three common ways to move equity:

  1. SELL:You could sell your current property and buy another. The problem with selling is you have to pay capital gains tax.



  2. REFINANCE:You could refinance your current property and use the loan proceeds to buy another property. The problem with refinancing is you’re probably not able to borrow the entire $180,000 equity.



  3. EXCHANGE:The third, and best, way to move your equity is to exchange. Exchanging allows you to move your entire $180,000 net equity to another property without paying tax. It’s wealth building’s most powerful tool. Click here for more information on exchanging. (www.kenandvicki.com/1031exchange.htm)

So, what does this all mean? Well, if you own rental property, congratulations. Your investment brilliance shines brightly. However, the longer you own that property your glow begins to fade.

The wise thing to do is re-evaluate your property every year. In essence, make the decision to “re-buy” the property. As soon as the rate of return on your equity could be higher in another property, it’s time to take action.

If this has sparked any interest in seeing what your property is worth please contact us today.

Contact Information:

Ken and Vicki Miller

Ken Miller & Associates

503-730-0860

email: homes@kenandvicki.com

web page: www.kenandvicki.com

Free List of Homes For Sale in King City, Summerfield, & Highlands (Tigard, Oregon)

King City, Summerfield, and the Highlands neighborhoods are home to over 4000 active seniors over 55. They are premier, master planned, activity packed communities with two 9 hole golf courses, pools, libraries, billiards, cards, crafts, grand ballrooms with banquet kitchens & more...

  • View all listings in King City, Summerfield, and the Highlands



  • View Recent Sales in King City, Summerfield, and the Highlands



  • Click Here for Map of King City



  • Click Here for Map of Summerfield



  • Click Here for Map of Highlands



  • Click Here for Map of Above Neighborhoods Combined

Contact Information:

Ken and Vicki Miller

Ken Miller & Associates

503-730-0860

email: homes@kenandvicki.com

web page: www.kenandvicki.com

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