Financial Education is Why the Rich are Getting Excessively Richer
Your Financial Success Depends on What you Know About Money
Academic Education
Convert Yourself From Renters to Buyers... ANTHONY CAN HELP!
- Increased Inventory:
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The number of homes available for sale has been rising, indicating a less constrained supply. - -------
Cooling Demand:
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While demand remains steady, it's not as high as it was, with homes taking longer to sell and fewer bidding wars.
Mortgage Rate Impact:
.Opens in new tabHigher mortgage rates are also contributing to the shift, making it more expensive for buyers to purchase homes.
- Home Prices:
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While median sale prices are still relatively high, there are reports of some sellers reducing prices in an effort to attract buyers, according to a luxury lifestyle blog. - --------
Months of Housing Supply:
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The number of months of housing supply available for sale has increased, reaching 14.2 months, up 47.9% from January 2024, according to Bankrate. - -------
Days on Market:
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Homes are taking longer to sell, indicating a cooling demand and a move towards a buyer's market.
Imbalance of Sellers and Buyers:
.Opens in new tabThere are more sellers than buyers in Miami, which can further contribute to a cooling market, according to Business Wire. - ------
- Miami has been identified as a city with a potential for overvaluation, with some sources indicating that prices may be significantly higher than long-term norms.
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- Rising costs for homeowners, including higher insurance premiums and taxes, are impacting affordability and contributing to increased listings and slower sales.
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- Miami continues to attract high-net-worth individuals and international buyers, which can support long-term market resilience, according to Certain Lending.
4. Specific Property Types:
Single-Family Homes:
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Generally still considered a seller's market, with strong demand and potentially less inventory compared to condos, according to U.S. News Real Estate.
Condos:
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Have moved into a more buyer's market, with increased supply and higher vacancy rates, according to U.S. News Real Estate.
5. Future Outlook:
Stabilization:
The market is likely to stabilize, with prices potentially leveling out or even experiencing a slight decline in certain areas, according to a luxury lifestyle blog.
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The Broward County real estate market in May 2025 shows a median home sold price of $458,304, up 6.4% from the previous year.
- While inventory levels are increasing, particularly for condominiums, there's a slight buyer's market for single-family homes and a seller's market for existing condominiums.
- Overall, the market is offering a more balanced environment for buyers and sellers.Detailed Breakdown:
- The median sold price for homes in Broward County was $458,304 in May 2025, indicating a significant increase from the previous year.
- Total active listings increased 55.9% year-over-year, with inventory for single-family homes up 36.3% and condominiums up 67.4%.
- A 4.9-month supply of single-family homes suggests a buyer's market, while a 9.8-month supply of existing condos indicates a seller's market.
- The market is becoming more balanced with increasing inventory and prices stabilizing.
- Broward County continues to experience price appreciation, with single-family home median prices increasing year-over-year.
- Florida's "Live Local Act" is encouraging developers to build more affordable housing, potentially impacting the market.
---------- Broward County offers a varied and dynamic real estate market.
- While prices are increasing, inventory is also rising, creating a more balanced market.
- Buyers should be aware of the potential for a buyer's market for single-family homes and a seller's market for condominiums.
- The market is becoming more balanced, offering opportunities for both buyers and sellers.
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- The Palm Beach County real estate market is experiencing a mixed bag of trends. While luxury home sales are strong, particularly in the Palm Beach area, overall market activity is cooling, with closed sales declining and inventory rising.
- Median home prices have seen a slight dip in some areas while remaining steady or increasing in others.
Specific Trends:
Luxury Market:
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Palm Beach Island and the surrounding areas continue to see strong demand and high prices, with sales of homes over $10 million increasing significantly according to a New York Post report.
Overall Market:
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Closed sales in single-family homes are down slightly, but still active, while active inventory is increasing, indicating a shift towards a buyer's market.
Price Fluctuations:
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Median home prices in Palm Beach County have seen a slight dip, but are still relatively stable or increasing in other areas.
Inventory:
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The number of active listings has increased significantly, especially in townhouses and condos, giving buyers more options.
Buyer Activity:
.
Buyer activity is cooling, with pending sales decreasing and more time needed to close deals.
Wealth Migration:
Palm Beach County has seen a significant influx of wealthy individuals and families, contributing to the strong demand, particularly in the luxury market according to Elizabeth DeWoody.
Pandemic Impact:
The pandemic-induced boom in real estate has had lasting effects, with prices remaining higher and inventory lower than before.
Seasonal Shifts:
South Florida's real estate market is also influenced by seasonal factors, such as weather and tourist activity.
REAL ESTATE: Buying a Home In This Economy. Here Are Few Ways To Find Affordable Rental... Use a Rental Agent like Anthony Jeanty. 305-784-6554 - Visit:
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ANTHONY JEANTY, a licensed real estate agent in Florida and founder of: Visionone Real Estate Investment Group - visiononeonerealestate.
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I would recommend using Anthony and visit Anthony multiple social media pages and website like: www.buyheremarket.com
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Use a Rental Agent
The key to finding a rental is to find a good rental agent, according to Antony from: First Class Real Estate LLC. = 305-7846554
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Talk To People
The best search engine for a good rental may be the people you know, Ayala said. “Friends, colleagues, and even social media followers. Let them know what you want.”
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Be Specific
Word of mouth works best when you tell everyone you know that you are looking and offer finder’s fees to friends who connect you with good landlords, according to Dayane from: Knowledge Financial Group - www.knowledgefinancialgroup.
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Check Local Places
“I suggest checking with local coffee shops, gyms and community centers because they often have bulletin boards with rental listings.”
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Broaden Your Search Location
Ayala also suggested that sometimes if you aren’t finding what you seek, you may need broaden your search location range.
“By searching just outside the most high-demand areas, renters can save significantly. A few extra minutes commuting can mean hundreds of dollars saved a month.'' Said, Emmanuel from: Buyheremarket Enterprise - www.buyheremarket.com
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Personal Finance,
Personal financial goals, can help you create the future you imagine, not just for yourself — but also for your loved ones, create generational wealth = Visionone Capital Management - visiononecapital.blogspot.com
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Personal finance: Personal finance is a term that covers managing your money as well as saving and investing.
Visionone Capital Management brings help for navigating your financial journey
Your finances and financial goals are unique to you.
Financial Education - Financial Knowledge - Financial Literacy.
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Education savings
Learn how to create an education savings strategy that will make the journey easier. With the help of: Knowledge Financial Group - knowledgefinancialgroup. blogspot.com == www.youtube.com/@ knowledgefinancialgroup
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Planning your estate
Learn how planning your estate can protect you and your family. knowledgefinancial.blogspot. com = www.youtube.com/ knowledgefinancial
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The core areas of managing personal finance include income, spending, savings, investments = budgeting, creating an emergency fund, paying off debt,
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Not understanding how to manage finances or be financially disciplined has led Americans to accumulate enormous debt.
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In Q3 2024, the Federal Reserve Bank reported household debt had increased by $3.8 trillion since December 2019, prior to the recession. In addition, the following balances increased from the second quarter of 2024 to the third:
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Credit card debt: Up by $24 billion
Auto debt: Up by $18 billion
Student debt: Up by $21 billion
Mortgage debt: Up by $75 billion
Home equity line of credit: Up by $7 billion
Americans are taking on an ever-increasing amount of debt to finance purchases, making managing personal finances more critical than ever, especially when inflation is eating away at purchasing power and prices are rising.
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Personal Finance Strategies
The sooner you start financial planning, the better, but it’s never too late to create financial goals to give yourself and your family financial security and freedom.
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Know Your Income
It's all for nothing if you don't know how much you bring home after taxes and withholding. So before deciding anything, ensure you know exactly how much take-home pay you receive.
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Personal Finance Skills
The key to getting your finances on the right track is using skills you likely already have. It’s also about understanding that the principles that contribute to success in business and your career work just as well in personal money management.
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Finance prioritization: This means that you can look at your finances, discern what keeps the money flowing in, and make sure that you stay focused on those efforts.
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Devise a Budget
A budget is essential to living within your means and saving enough to meet your long-term goals. The 50/30/20 budgeting method offers a great framework. It breaks down like this:
Fifty percent of your take-home pay or net income (after taxes) goes toward living essentials, such as rent, utilities, groceries, and transport.
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Thirty percent is allocated to discretionary expenses, such as dining out and shopping for clothes. Giving to charity can go here as well.
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Twenty percent goes toward the future—paying down debt and saving for retirement and emergencies.
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Pay Yourself First
It’s important to “pay yourself first” to ensure money is set aside for unexpected expenses, such as medical bills, a significant car repair, day-to-day expenses if you get laid off, and more. The ideal safety net is three to 12 months of living expenses. ''Emergency fund''
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Limit and Reduce Debt
It sounds simple enough: Don't spend more than you earn to keep debt from getting out of hand. But, of course, most people have to borrow from time to time, and sometimes going into debt can be advantageous—for example, if it leads to acquiring an asset.
Taking out a mortgage to buy a house might be one such case.
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Only Borrow What You Can Repay
Credit cards can be major debt traps, but it’s unrealistic not to own any in the contemporary world. Furthermore, they have applications beyond buying things.
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Avoid maxing out credit cards at all costs, and always pay bills on time. One of the fastest ways to ruin your credit score is to constantly pay bills late—or even worse, miss payments.
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Monitor Your Credit Score
Credit cards are the primary vehicle through which your credit score is built and maintained, so watching credit spending goes hand in hand with monitoring your credit score. If you ever want to obtain a lease, mortgage, or any other type of financing, then you’ll need a solid credit report. There are a variety of credit scores available, but the most popular one is the FICO score.5
Factors that determine your FICO score include:6
Payment history (35%)
Amounts owed (30%)
Length of credit history (15%)
Credit mix (10%)
New credit (10%)
FICO scores are calculated from 300 to 850. Here’s how your credit is rated:78
Exceptional: 800 to 850
Very good: 740 to 799
Good: 670 to 739
Fair: 580 to 669
Poor: 579 and below
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Plan for Your Future
To protect the assets in your estate and ensure that your wishes are followed when you die, be sure you make a will and—depending on your needs—possibly set up one or more trusts.
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While your children are young, take the time to teach them about the value of money and how to save, invest, and spend wisely.
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If your employer offers a 401(k) or 403(b) plan, start paying into it immediately, especially if your employer matches your contribution. By not doing so, you’re giving up free money.
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Buy Insurance
As you age, it's natural for you to accumulate many of the same things your parents did—a family, home or apartment, belongings, and health issues. Insurance can be expensive if you wait too long to get it.
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Healthcare, long-term care insurance, and life insurance all increase in cost the older you get. Additionally, you never know what life will send your way.
If you're the sole breadwinner for the family, or you and your partner both work to make ends meet, a lot depends on your ability to work.
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Maximize Tax Breaks
Due to an overly complex tax code, many people leave hundreds or even thousands of dollars sitting on the table every year.
By maximizing your tax savings, you’ll free up money that can be invested in your reduction of past debts, enjoyment of the present, and plans for the future.
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You should start saving receipts and tracking expenditures for all possible tax deductions and tax credits.
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Taxes: After you’re organized, you’ll want to focus on taking advantage of every tax deduction and credit available, as well as deciding between the two when necessary.
In short, a tax deduction reduces the amount of income on which you are taxed,
whereas a tax credit reduces the amount of tax that you owe.
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Planning, managing, and optimizing individual financial activities
Personal finance refers to the process of planning, managing, and optimizing individual financial activities.
It includes budgeting, banking, insurance, investments, retirement planning, tax management, and estate planning.
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EVERYONE'S FINANCIAL JOURNEY IS DIFFERENT. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE...
-----OUR WEBSITE, OUR YOUTUBE CHANNEL, OUR OTHER SOCIAL MEDIA CHANNELS, NOR THIS CONTENT & INFORMATION (THE “SERVICE”) ARE INTENDED TO PROVIDE FINANCIAL, LEGAL, TAX OR OTHER ADVICE. NO FINANCIAL DECISIONS SHOULD BE MADE SOLELY BASED ON OUR BLOGS, WEBSITES, OR SOCIALMEDIA PAGES.
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- ANY SECURITIES OR PRODUCTS MENTIONED. ALL INVESTMENTS HAVE SOME DEGREES OF RISK & THERE IS NO ASSURANCE THAT THEY WILL BE SUITABLE FOR YOUR PORTFOLIO.
- PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
- ALWAYS CONSULT A QUALIFIED FINANCIAL, LEGAL, OR TAX PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION.
- ------
- OUR YOUTUBE CHANNELS MAY PROVIDE LINKS TO THIRD-PARTY WEBSITES FOR YOUR CONVENIENCE. WE HAVE NO CONTROL OVER THE ACCURACY OR CONTENT OF THESE LINKS.
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Disclaimer: This article, or this particular video does not constitute individualized investment advice. These funds appear for your consideration and not as personalized investment recommendations. Act at your own discretion.
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DIVIDEND PAYING ETF COMPANIES: DGRW - DVY - SPYD - VYM - SDY - VIG - VOO - DGRO - SPHD - NOBL - SCHD - MTUM - VTI - VOO - SPY -
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Dividend ETFs: VIG -VYM - SCHD - DVY - SDY - FNDX - VIGI - VYMI - == SPHD - DES - DVY - NOBL - DGRW - SPYD
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- BY THE
Fixed-Income Analyst: Nyton for
VISIONONE CAPITAL MANAGEMENT
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Follow Us @ twitter.com/financialschool
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Contact Us @
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Visit Our Blogs @ http://www.
WHY NOT VISIT THIS WONDERFUL WEBSITE: @
Professional Education
Financial Education
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - 12944 WEST DIXIE HWY - NORTH MIAMI FLORIDA. WWW.TWITTER.COM/
Real Estate is a great source of wealth creation...
http://WWW.FACEBOOK.COM/
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Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate.
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Anthony Real estate Service For Buyers And Sellers. SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
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Real Estate is the absolute pathway to build wealth. -
www.antonyrealestate.blogspot.
Leverage is debt – Debt is bondage and bondage is the antithesis of freedom, or independence
Debt is like a double edge sword. You just have to know how to use it well enough in order not to get hurt by it.
Long-term financial independence is usually based on short term debt which is carefully acquired and prudently managed.
Debt is the lifeblood of the successful wealth builder.
In the USA, we can say that we are a consumer oriented society, and we place high priority on instant gratification.
Leverage is the best road to become rich. Every big corporation that you heard about used debt, leverage to grow and expand. When the corporations issue bonds, or simply invite investors to come to invest that’s OPM And OPIUM
OPM= Other People’s Money
OPIUM= Other people’s Inactive Underused Money
The government in particular is the number one partenaire of leverage, debt.
Leverage is good, is not that bad when you use it the right way.
Use leverage to purchase a piece of real estate may be with only 10 percent down and after 22, 23, 30 years you finish to pay the mortgage now you own a property worth how much free and clear.
Imagine if you do that for 10 years; just purchase one single family property, or it could be a duplex, triplex, or fourplex, we still talking about residential properties. Just one every year for 10 years by using leverage, debt.
Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people. We bring financial education to the youth, and financial literacy to the less fortunate . www.knowledgefinancialgroup. blogspot.com Like Us @ facebook.com/knowledgefin ancialFollow Us @ twitter.com/ financialschool Contact Us @ LinkedIn.com/in/ knowledgefinancialVisit Our Blogs @ knowledgefinancial. blogspot.comCheck Out Our Page @ buyheremarket.blogspot. com----
Ways to Grow Wealth When Money Is Running Slow like drying ravine.
Investment Clubs
Investment clubs allow members to pool their resources to invest in larger opportunities that would be out of reach individually. Besides financial benefits, these clubs offer educational resources and a support network of fellow investors. It's a unique way to learn about investing while spreading out the risks and rewards.
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Peer-to-peer (P2P) lending platforms allow you to lend money directly to individuals or small businesses online, earning interest as they repay their loans. With the ability to choose whom you lend to and at what rate, P2P lending can be a more engaging and potentially rewarding way to invest your money.
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Free Resources are available at: Knowledge Financial Group - www.knowledgefinancialgroup. blogspot.com
There's a wealth of free information available online from reputable sources. Libraries also offer investing books and workshops. The more you learn, the more confident you'll feel about making smart choices with your hard-earned money.
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A budget is your roadmap. By knowing where every dollar goes, you can find spare money to invest. 68% of people believe that maintaining a household budget would assist in achieving their personal and family objectives-----
Invest in government securities
Investing in government bonds is another low-risk option. Bonds can be purchased for relatively small amounts and offer a fixed interest rate over a specific period. They provide a stable, predictable income stream, making them an attractive option for conservative investors.
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Risk Tolerance Is Very Important
Investments come with varying levels of risk. If you get sweaty palms at the thought of losing money, consider low-risk options like index funds. These are like baskets containing a mix of different stocks, so if one goes down, others might rise, balancing things out.
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Automated Savings With An API Acount
Setting up automatic transfers to a savings or investment account takes the guesswork out of investing. -----------
Consider Low-Cost Index Funds In Your Portfolio
Index funds are a low-fee way to invest in the stock market. They mirror the performance of market indices, like the S&P 500, Nasdaq, Dow Jones, CAC40 of France, Dax 40 of Germany, FTSE100 of London Stock Market, TSX60 of Canada, russell 1000, 2000, 3000 and also wilshire 5000 making them a simple and effective investment choice. It's akin to joining a group hike; you stick together and share the journey's ups and downs.
----------Before
investing consider carefully the investment objectives, risks, and
charges and expenses of the fund, including management fees, other
expenses and special risks.
This and other information may be found in each fund's prospectus or summary prospectus, if available.
Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained--------
Invest With Knowledge And Enjoy The Fruits Of Your Investment With Pride. www.buyheremarket.blogspot.com
With the help of BUYHEREMARKET ENTERPRISE - FACEBOOK.COM/BUYHEREMARKET--------
Investment Knowledge: http://knowledgefinancial. blogspot.com/
Becoming a successful investor takes time, patience, trial and error.
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Secrets To Successful Investing... www.twitter.com/visiononereal
Choose A Goal For Your Investment Portfolio =
Internet Blogs= fruitalinvestment.blogspot.com
The Most Interesting Blogs On The Web, The Most Educative, Most Instructive -
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We bring financial education to the youth, and financial literacy to the less fortunate .
Like Us @ facebook.com/ knowledgefinancial
Follow Us @ twitter.com/financialschool---------------
Contact Us @ LinkedIn.com/in/ knowledgefinancial
Visit Our Blogs @ knowledgefinancial.blogspot. com
Check Out Our Page @ facebook.com/ knowledgefinancialgroupforyou
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Stocks, Bonds and Mutual Funds, Real Estate...Stocks, bonds and mutual funds carry more risk than CDs and Money Market Account. www.knowledgefinancialgroup. blogspot.com
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Knowledge Financial Group - Financial Literacy For Everyone @
https://twitter.com/ knowledgegroup1
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'' Youtube.com/financialschool''- - Money Market Funds: Risks
and Benefits'''
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Youtude.com/ knowledgefinancial''-
COMMERCIAL REAL ESTATE INVESTMENTS: SOUTH FLORIDA REAL ESTATE PROFESSIONAL.
SOUTH FLORIDA COMMERCIAL REAL ESTATE INVESTMENTS BY ANTHONY JEANTY
786-709-6577 – 305-974-6717 REAL ESTATE PROFESSIONAL IN THE STATE OF FLORIDA.THI S BOG PRESENTS BY: Visionone Real Estate Investment Group who offers the pros and cons of investing in all relevant commercial deals.
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The BRRRR Method - Buy,
Rehab, Rent, Refinance & Repeat. This is a powerful strategy to
build a substantial portfolio of income properties to create massive,
passive income from ONE SMALL INVESTMENT.
Reasons to Invest in Real Estate...
- Real
estate investors make money through rental income, appreciation, and
profits generated by business activities that depend on the property.
- The
benefits of investing in real estate include passive income, stable
cash flow, tax advantages, diversification, and leverage.
- Real
estate investment trusts (REITs) offer a way to invest in real estate
without having to own, operate, or finance properties.
Cash Flow
Cash
flow is the net income from a real estate investment after mortgage
payments and operating expenses have been made. A key benefit of real
estate investing is its ability to generate cash flow..
Tax Breaks and Deductions
Real
estate investors can take advantage of numerous tax breaks and
deductions that can save money at tax time. In general, you can deduct
the reasonable costs of owning, operating, and managing a property.
Build Equity and Wealth
As
you pay down a property mortgage, you build equity—an asset that's part
of your net worth. And as you build equity, you have the leverage to
buy more properties and increase cash flow and wealth even more.
FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT - WWW.FRUITALINVESTMENT. BLOGSPOT.COM -
Real Estate Leverage
Leverage
is the use of various financial instruments or borrowed capital (e.g.,
debt) to increase an investment's potential return. A 20% down payment
on a mortgage, for example, gets you 100% of the house you want to
buy—that's leverage. Because real estate is a tangible asset and one
that can serve as collateral, financing is readily available.
Awesome blogs, very instructive and very informative!
WWW.BUYHEREMARKET.BLOGSPOT.COM AND
WWW.KNOWLEDGEFINANCIAL. BLOGSPOT.COM
Inflation Hedge
The inflation hedging capability of real estate stems from the positive relationship between GDP growth
and the demand for real estate. As economies expand, the demand for
real estate drives rents higher. This, in turn, translates into higher
capital values. Therefore, real estate tends to maintain the buying
power of capital by passing some of the inflationary pressure on to
tenants and by incorporating some of the inflationary pressure in the
form of capital appreciation.
====Knowledge Financial Group brings financial education to the youth, and financial literacy to the less fortunate. Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people.
WWW.KNOWLEDGEFINANCIALGROUP. COM
=========Visionone RealEstate Investment Group brings real estate education to the youth, financial literacy to the less fortunate. Visionone RealEstate Investment is an absolute source of real property information - visiononerealestate.blogspot. com
Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate of all kind.
https://www. knowledgefinancialgroup.com/ visiononerealestate.html
Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate.
Visionone RealEstate Investment Group is an absolute source of real property information - visiononerealestate.blogspot. com =====
Debt Service Coverage Ratio Loan (DSCR)
What Is the Debt Service Coverage Ratio (DSCR)?
DSCR
loans are used by new investors to buy their first rental and
experienced investors to grow their portfolios. DSCR loans are only for
rental properties that generate cash flow, and because they are built
for rental properties, DSCR qualification is based on property rental
income, not personal income.
Debt Service Coverage Ratio Loan (DSCR)
DSCR
loans are used by new investors to buy their first rental and
experienced investors to grow their portfolios. DSCR loans are only for
rental properties that generate cash flow, and because they are built
for rental properties, DSCR qualification is based on property rental
- The
debt service coverage ratio (DSCR) is a number that measures a
property’s current rental income compared to its debt obligations. A
DSCR above 1.0 indicates positive cash flow, while a DSCR below 1.0
indicates negative cash flow.
- A
DSCR loan allows a borrower to qualify for financing based on the
projected rental income of a property rather than personal income.
- DSCR
loans are designed for real estate investors and can only be used to
purchase income-generating properties. DSCR loans can’t be used to buy a
primary residence
- DSCR = ANNUAL GROSS RENTAL INCOME DIVIDED BY DEBT OBLIGATION
How to Calculate DSCR
The
debt service coverage ratio measures a property’s annual gross rental
income against its annual mortgage debt, including principal, interest,
taxes, insurance, and HOA (if applicable). Lenders use DSCR to analyze
how much of a loan can be supported by the income coming from the
property and to determine how much income coverage there will be at a
specific loan amount. When calculating DSCR, lenders do not take into account expenses such as:
Next,
you’ll need to find your annual debt. Your annual debt for loan
qualification purposes equals the total annual principal, interest,
taxes, insurance, and HOA (if applicable) payments. Annual Debt = Total
Annual PITI payments.
Step 3
Next,
you’ll divide your annual gross rental income by your annual debt for
your ratio. DSCR = Annual gross rental income/Annual debt.
What Is a DSCR Loan?
A DSCR loan is one of several types of home loans referred to as Non-QM loans.
Non-QM loans provide potential borrowers with an alternative route to
financing, which doesn’t require traditional income verification
methods. A DSCR loan, in particular, makes it easier to show rental
income that might not show up on your taxes due to deductions for
legitimate business expenses.
A
DSCR loan is a strong Non-QM loan for real estate investors. Lenders
can use a DSCR to help qualify real estate investors for a loan because
it can easily determine the borrower’s ability to repay without
verifying personal income.
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Some of the property types you can use a DSCR loan for include:
- Single Family Residences (SFR), including single-family homes, condos, and townhomes.
- Multifamily properties (2-10 Units).
- Rural (acreage limitations apply, and the property’s income must be supported by comparable rents in the area).
Many real estate investors tend to use DSCR loans for rental income properties that allow them to open up new revenue streams.
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DSCR Loan Requirements
DSCR
loans have specific requirements that borrowers must meet to secure
this type of loan. The key DSCR loan requirements include:
- Minimum credit score of 620: Borrowers’
credit histories and financial stability are evaluated, although credit
requirements can vary depending on the lender and specific loan terms.
Borrowers who take out a DSCR loan with Griffin Funding have an average
credit score of 732, but we can work with borrowers with credit scores
as low as 620.
- Minimum loan amount of $100,000:
DSCR loans offer loan amounts ranging from $100,000 to $20,000,000,
providing a flexible financing option for properties that range in cost.
- Appraisal: An appraisal is conducted to determine the property’s current market value and rental income.
- Property type: DSCR
loans can only be used for investment properties that generate rental
income. The property you are purchasing or refinancing must be a
non-owner-occupied, income-producing investment property used for
business purposes. DSCR loans cannot be used on primary residences.
Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you... 305-784-6554
--Yes, contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor.
I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC---I would like to help you with your real estate transactions. ----As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554
========THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @ 305-784-6554
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - FIRST CLASS CAN HELP! CONTACT ANTONY@ 305-784-6554 = WWW.VISIONONECAPITAL. BLOGSPOT.COM
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Real Estate is a great source of wealth creation...
http://WWW.FACEBOOK.COM/ WORLDCLASSREALESTATE
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Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate. blogspot.com
----------
Anthony Real estate Service For Buyers And Sellers. SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
=========
Real Estate is the absolute pathway to build wealth. -
www.antonyrealestate.blogspot. com
=======
ANTONY JEANTY, Real Estate: Buying - Selling - Leasing: I can Help! Residential And, OR Commercial Real Estate - 305-784-6554
----- LOOKING FOR RENTAL REAL ESTATE PROPERTY:-----The Renters' Choice IN MIAMI DADE, BROWARD AND PALM BEACH COUNTY FLORIDA - 305-784-6554------Homes for Rent Near By: Single Family - Apartment - Townhouse, places for business... CONTACT, ANTONY @ 305-784-6554
=====Real estate agents in Miami-Dade County, FL - 305-784-6554---North Miami FL Rental Listings - https://anthonyrealestate. blogspot.com--Broward County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534--North Miami Beach FL Rental Listings... http://WWW. YOUTUBE.COM/ VISIONONEREALESTATE---Real estate agents in Palm Beach County, FL - 305-784-6554----Palm Beach County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534 - http://www.facebook.com/ worldclassrealestate
Save for a Down Payment
""One of the biggest hurdles people think of when considering how to get into real estate is the down payment. However, this can actually be a relatively simple part of the process!
""""If you already own your home, you can use the equity for a downpayment on an investment property (more on that later).
""""If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth.
"""There are programs like FHA and VA loans that offer first time homebuyers the ability to purchase a home, dowm-payment assistant programs in your city or county.
""
To improve your credit score:
""- Pay off outstanding debt—especially high-interest credit cards.
- Make all payments on time.
- Keep your credit utilization low (under 30%).
- Avoid opening new lines of credit.
- Check your credit report regularly and dispute any errors.
- -------------
If your score is below 700, focus on improving it before applying for an investment loan. Some lenders require at least 720 for the best terms. A better score means lower borrowing costs.
You Make Money When You Buy, Not When You Sell
Many beginners think they will profit when they sell a property, but the real money is made at the purchase.
- ---------
- The goal is to buy properties below market value, allowing for built-in equity from the start.
- ------------
- Strategies like foreclosures, off-market deals, distressed sales, and motivated seller negotiations can help secure a great deal.
- -------
- Consider the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) to grow your portfolio without tying up too much capital.
Protect Your Investments: Never Own Properties in Your Personal Nam
""Real estate comes with risks, and owning rental properties in your name exposes you to liability. Instead:
""Additionally, umbrella insurance policies can provide extra protection for a small annual cost.
""
What every real estate investor needs to know about multifamily and commercial real estate investing...
Do you want to create passive income, reach financial freedom, and build generational wealth.------------
Have you ever wondered how to get into real estate but felt like you didn’t have the resources or expertise to start? https://www. knowledgefinancialgroup.com/ visiononerealestate.html-----
Fear will always keep you from moving forward, but the truth is there are proven, no-money-down, low-risk real estate investing strategies that almost anyone can implement. If you’re not quite ready yet, there is a straightforward process to prepare
-------
to Get into Real Estate: First Steps
Define Your Why
Real estate investing is more than just a wealth-building tool—it’s a pathway to financial freedom.
---
Define the reasons why you should be a real estate invest
If you’re renting, you’re
already paying a monthly expense—but you’re not building equity.
Instead, put that money toward your own home so you can start building
wealth. https:// visiononerealestate.blogspot. com/
------
Before Purchasing, Ask: “What Will It Rent For?”
One of the biggest mistakes new investors make is buying a property without understanding its rental potential
------ The goal is to buy properties below market value, allowing for built-in equity from the start.
x.com/visiononereal
——–Visionone Real Estate Investment Group, we always want to be the most trusted source for real estate investing.I prefer to make an average deal on a great property than a great deal on an average property———Visionone Real Estate focuses on the specific Tenants and the Lease Terms making him a unique investor who can create wealth in any market. https://
visiononerealestate.blogspot. com/
—–Visionone Real Estate Investment Group loves buying the right bargain residential properties below comparable sales in the right locations, then rehabbing them and reselling them but not so fast could potentially make you hundreds of thousands of dollars. Visionone Real Estate Investment Explans the difference between a professional expert and a sometimes lucky amateur. Is simply the first can make things happen again and again with a high degree of accuracy.When the second doesn’t even know what happened. Don’t be an amateur INVEST WITH US for the Commercial Real Estate, OR JOIN OUR TEAM https://www.facebook. com/Antonyrealestate/ -
Anthony Real estate Service For Buyers And Sellers
https://anthonyrealestate. blogspot.com/
How to Sell a Home For Sale By Owner (FSBO)
If you are one of the rare few who have the time and energy required to sell your own home,
you will certainly want to do your homework before you begin trying to sell by owner. Figuring
out how to sell a home for sale by owner is not an easy task. In fact national statistics show that over 80% of all
homeowners end up listing with a real estate agent after attempting to sell as a FSBO. In other words most for sale by owners fail in their quest to sell
without the assistance of a Realtor.
It is really not all that surprising given the fact a lot of things that go into selling a home – hence why real estate agents often work long hours and
weekends. Even selling a single home can involve numerous hours of preparation and a lot of legwork to manage successfully.
This is an important consideration when planning on how to sell for sale by owner. You should be well prepared to invest a significant time and effort on
your sale.
The biggest motivation for most homeowners trying to sell by owner is money. There are some sellers who unfortunately do not have the finances to pay a
real estate commission which can amount to thousands of dollars. The commission in most places around the country can range anywhere from 4-7% of the
homes sale price. Quite a bit of money if you are strapped for cash. For these folks going after that 20 percent who are successful selling their homes as a
for sale by owner is worth it. There are also some FSBO’s that have had a bad experience with an agent and decide to see if they can do it themselves.
Given the fact that so many for sale by owner’s end up failing in their attempt to sell, I have decided to offer some tips on how you can go about selling a
home for sale by owner. These are the things you really need to think about when going FSBO!
Prepare The Home For Sale
You want buyers to love your home. While the things you can do are not a guarantee that this will happen, you can certainly help the situation along. Take a
hard look at your home for any major issues that you have the time and money to fix. These things need to be taken care of before you put the home on the
market. Sometimes it is the little things you do before putting your home up for sale that can make all the difference in the world.
These issues can include things like pet damage, carpet stains, odors and damage to the yard. This is also the time to tackle any affordable improvements
that may add value, including kitchen and bathroom remodels, new carpeting, replaced appliances, landscaping and anything else you can think of. Once the
repairs and remodeling is finished, clean the house from top to bottom and keep it that way as much as possible while the home is up for sale.
------------------------------ -------- ----------
As Realtor, Real Estate Professional we've
some very good advice for FSBOs...
Some of the most important pre-listing tasks that FSBOs should do
before listing their home for sale include;
Decluttering
Freshly paint rooms
Professionally clean carpets and/or floors
Complete any neglected repairs
Replace outdated light fixtures
Make sure your home has good curb appeal
The above home preparation tips will greatly increase the chances of a
successful FSBO. Remember, when it comes to selling a home, there
is only one chance to make a first impression and by neglecting these
home sale preparation tips, you could be costing yourself a sale.
-------
Most FSBOs Don’t Know How To Screen
Potentials Buyers
Rreal estate professional like Anthony learned how to screen potential
buyers. One of the biggest reasons why FSBOs fail in real estate is
because the homeowner has no clue what questions they should be
asking or how to screen the potential buyers.
------------
Home buyers and buyers agents want quick
responses on their inquiries, otherwise, they will often move
onto the next potential property
----------
FSBOs Don’t usually Know How To Negotiate
With Potential Buyers Offers/Contract.
Real estate contracts can be confusing which is why it is one of
the top reasons FSBOs fail in real estate.
A FSBO who doesn’t have a strong understanding of a real estate
contract may not know what they are agreeing and also the
possibility exists they don’t know how to negotiate specific parts
of the contract.
Real estate contracts are loaded with lots of clauses, timelines,
and also many common contract contingencies, such as
mortgages and inspections.
It’s important that if you plan on selling your home by yourself, you
understand that the contract is more involved than just the price
the buyer is offering.
---------------
Most FSBOs Don’t Know How To
Handle The Home Inspection Findings
Most home buyers want to have a home inspection and there are
many reasons why a home buyer should have a home inspection
when buying a home. One of the most common reasons why
FSBOs fail in real estate is because the homeowner does not
know how to handle the home inspection phase of the real estate
transaction.
Another common reason why FSBOs are unsuccessful is
because the homeowner is not willing to pay a buyers agent a
commission.
A FSBO is able to save the commission they would have to pay a
listing broker and some are willing to pay a buyers
representative, which is a smart idea.
FSBOs who are unwilling to pay a buyers agent a commission
will greatly reduce the chance of a successful sale.
As a home seller, If you must attempt to sell your home without
a professional real estate agent or broker, which is never
suggested, agreeing to pay a buyers agent is a very smart
decision.
----------------
FSBOs Home Is Lacking Exposure
One of the biggest reasons FSBOs fail in real estate is because
the homeowner is not able to get their home in front of enough
potential home buyers like a real estate agent; Anthony Jeanty
in south Florida who has the capacity to put a home for sale on
over 100 different websites and or social media pages.
-----------------
Realtor like Anthony Jeanty is capable
to give sellers homes tons of
exposure.
Whether it’s online exposure or exposure in the local real
estate section of the newspaper, blogs, Realtor like Anthony
has the tools to provide exposure that FSBOs do not.
The use of cutting-edge technology and a comprehensive
marketing plan are just a couple things that sellers should
expect when they hire a Realtor like Anthony Jeanty in south
Florida to sell their homes, their real estate properties.
----------------
The FSBO Incorrectly Prices Their
Home
Learning how to properly price real estate takes lots of practice
and experience. One of the biggest reasons why FSBOs fail in
real estate is because the homeowner incorrectly prices their
home. There are many factors to consider when pricing a home
for sale said Anthony Jeanty in Florida.
As home sellers If you decide to attempt the sale of your home
without a Realtor, you should consider having an appraisal
completed on your home. An appraisal can help verify that the
price you’re thinking of listing your home for sale at, is in line
with what an appraiser indicates your home is worth.
------------------
FSBOs Don’t Know How To Ensure
The Deal Actually Closes
Once a purchase offer is accepted on a piece of real estate,
there are many things that still need to be completed prior to
the closing. Another common reason why FSBOs fail is because
the homeowner doesn’t know what to do after accepting the
offer and the ball is dropped somewhere along the line.
There are specific timelines that should be followed as well as
specific tasks that need to be completed by different parties.
Many times a FSBO doesn’t understand who needs to be doing
what and when the tasks should be completed said Anthony.
Real Estate: Buying - Selling - Leasing: I can Help You!Residential And Commercial Real Estate - 305-784-6554ANTONY JEANTY, DIGITAL CREATOR - CONTENT CREATOR FOR:
VISIONONE REAL ESTATE INVESTMENT GROUP - --------------I would like to help you with your real estate transactions. As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554-------
Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you...---Yes contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor. I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC-----
Ways to Grow Wealth When Money Is Running Slow like drying ravine.
Before
investing consider carefully the investment objectives, risks, and
charges and expenses of the fund, including management fees, other
expenses and special risks.
This and other information may be found in each fund's prospectus or summary prospectus, if available.
Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained--------
Invest With Knowledge And Enjoy The Fruits Of Your Investment With Pride. www.buyheremarket.blogspot.com
With the help of BUYHEREMARKET ENTERPRISE - FACEBOOK.COM/BUYHEREMARKET--------
Investment Knowledge: http://knowledgefinancial. blogspot.com/
Becoming a successful investor takes time, patience, trial and error.
----------
Secrets To Successful Investing... www.twitter.com/visiononereal
Choose A Goal For Your Investment Portfolio =
Internet Blogs= fruitalinvestment.blogspot.com
The Most Interesting Blogs On The Web, The Most Educative, Most Instructive -
--------
We bring financial education to the youth, and financial literacy to the less fortunate .
Like Us @ facebook.com/ knowledgefinancial
Follow Us @ twitter.com/financialschool---------------
Contact Us @ LinkedIn.com/in/ knowledgefinancial
Visit Our Blogs @ knowledgefinancial.blogspot. com
Check Out Our Page @ facebook.com/ knowledgefinancialgroupforyou
--------------
Stocks, Bonds and Mutual Funds, Real Estate...Stocks, bonds and mutual funds carry more risk than CDs and Money Market Account. www.knowledgefinancialgroup. blogspot.com
--------------------
Knowledge Financial Group - Financial Literacy For Everyone @
https://twitter.com/ knowledgegroup1
----------
--------------
'' Youtube.com/financialschool''- - Money Market Funds: Risks
and Benefits'''
-----
Youtude.com/ knowledgefinancial''-
COMMERCIAL REAL ESTATE INVESTMENTS: SOUTH FLORIDA REAL ESTATE PROFESSIONAL.
SOUTH FLORIDA COMMERCIAL REAL ESTATE INVESTMENTS BY ANTHONY JEANTY
786-709-6577 – 305-974-6717 REAL ESTATE PROFESSIONAL IN THE STATE OF FLORIDA.THI S BOG PRESENTS BY: Visionone Real Estate Investment Group who offers the pros and cons of investing in all relevant commercial deals.
===========
The BRRRR Method - Buy,
Rehab, Rent, Refinance & Repeat. This is a powerful strategy to
build a substantial portfolio of income properties to create massive,
passive income from ONE SMALL INVESTMENT.
Reasons to Invest in Real Estate...
- Real
estate investors make money through rental income, appreciation, and
profits generated by business activities that depend on the property.
- The
benefits of investing in real estate include passive income, stable
cash flow, tax advantages, diversification, and leverage.
- Real
estate investment trusts (REITs) offer a way to invest in real estate
without having to own, operate, or finance properties.
Cash Flow
Cash
flow is the net income from a real estate investment after mortgage
payments and operating expenses have been made. A key benefit of real
estate investing is its ability to generate cash flow..
Tax Breaks and Deductions
Real
estate investors can take advantage of numerous tax breaks and
deductions that can save money at tax time. In general, you can deduct
the reasonable costs of owning, operating, and managing a property.
Build Equity and Wealth
As
you pay down a property mortgage, you build equity—an asset that's part
of your net worth. And as you build equity, you have the leverage to
buy more properties and increase cash flow and wealth even more.
FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT - WWW.FRUITALINVESTMENT. BLOGSPOT.COM -
Real Estate Leverage
Leverage
is the use of various financial instruments or borrowed capital (e.g.,
debt) to increase an investment's potential return. A 20% down payment
on a mortgage, for example, gets you 100% of the house you want to
buy—that's leverage. Because real estate is a tangible asset and one
that can serve as collateral, financing is readily available.
Awesome blogs, very instructive and very informative!
WWW.BUYHEREMARKET.BLOGSPOT.COM AND
WWW.KNOWLEDGEFINANCIAL. BLOGSPOT.COM
Inflation Hedge
The inflation hedging capability of real estate stems from the positive relationship between GDP growth
and the demand for real estate. As economies expand, the demand for
real estate drives rents higher. This, in turn, translates into higher
capital values. Therefore, real estate tends to maintain the buying
power of capital by passing some of the inflationary pressure on to
tenants and by incorporating some of the inflationary pressure in the
form of capital appreciation.
====Knowledge Financial Group brings financial education to the youth, and financial literacy to the less fortunate. Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people.
WWW.KNOWLEDGEFINANCIALGROUP. COM
=========Visionone RealEstate Investment Group brings real estate education to the youth, financial literacy to the less fortunate. Visionone RealEstate Investment is an absolute source of real property information - visiononerealestate.blogspot. com
Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate of all kind.
https://www. knowledgefinancialgroup.com/ visiononerealestate.html
Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate.
Visionone RealEstate Investment Group is an absolute source of real property information - visiononerealestate.blogspot. com =====
With the help of BUYHEREMARKET ENTERPRISE - FACEBOOK.COM/BUYHEREMARKET
Investment Knowledge: http://knowledgefinancial.
Becoming a successful investor takes time, patience, trial and error.
----------
Secrets To Successful Investing... www.twitter.com/visiononereal
Choose A Goal For Your Investment Portfolio =
Internet Blogs= fruitalinvestment.blogspot.com
The Most Interesting Blogs On The Web, The Most Educative, Most Instructive -
--------
We bring financial education to the youth, and financial literacy to the less fortunate .
Like Us @ facebook.com/
Follow Us @ twitter.com/financialschool
Contact Us @ LinkedIn.com/in/
Visit Our Blogs @ knowledgefinancial.blogspot.
Check Out Our Page @ facebook.com/
--------------
Stocks, Bonds and Mutual Funds, Real Estate...
--------------------
Knowledge Financial Group - Financial Literacy For Everyone @
https://twitter.com/
----------
--------------
'' Youtube.com/financialschool''-
and Benefits'''
-----
Youtude.com/
COMMERCIAL REAL ESTATE INVESTMENTS: SOUTH FLORIDA REAL ESTATE PROFESSIONAL.
Reasons to Invest in Real Estate...
- Real estate investors make money through rental income, appreciation, and profits generated by business activities that depend on the property.
- The benefits of investing in real estate include passive income, stable cash flow, tax advantages, diversification, and leverage.
- Real estate investment trusts (REITs) offer a way to invest in real estate without having to own, operate, or finance properties.
Cash Flow
Cash flow is the net income from a real estate investment after mortgage payments and operating expenses have been made. A key benefit of real estate investing is its ability to generate cash flow..
Tax Breaks and Deductions
Real estate investors can take advantage of numerous tax breaks and deductions that can save money at tax time. In general, you can deduct the reasonable costs of owning, operating, and managing a property.
Build Equity and Wealth
As you pay down a property mortgage, you build equity—an asset that's part of your net worth. And as you build equity, you have the leverage to buy more properties and increase cash flow and wealth even more.
FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT - WWW.FRUITALINVESTMENT.
BLOGSPOT.COM - Real Estate Leverage
Leverage is the use of various financial instruments or borrowed capital (e.g., debt) to increase an investment's potential return. A 20% down payment on a mortgage, for example, gets you 100% of the house you want to buy—that's leverage. Because real estate is a tangible asset and one that can serve as collateral, financing is readily available.
Awesome blogs, very instructive and very informative!
WWW.BUYHEREMARKET.BLOGSPOT.COMAND
WWW.KNOWLEDGEFINANCIAL.BLOGSPOT.COM Inflation Hedge
The inflation hedging capability of real estate stems from the positive relationship between GDP growth and the demand for real estate. As economies expand, the demand for real estate drives rents higher. This, in turn, translates into higher capital values. Therefore, real estate tends to maintain the buying power of capital by passing some of the inflationary pressure on to tenants and by incorporating some of the inflationary pressure in the form of capital appreciation.
- ====Knowledge Financial Group brings financial education to the youth, and financial literacy to the less fortunate. Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people.
WWW.KNOWLEDGEFINANCIALGROUP.COM =========Visionone RealEstate Investment Group brings real estate education to the youth, financial literacy to the less fortunate. Visionone RealEstate Investment is an absolute source of real property information - visiononerealestate.blogspot.com Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate of all kind. https://www.knowledgefinancialgroup.com/ visiononerealestate.html Visionone Real Estate Investment Group is a privately own and manage
firm that investing in real estate.
Visionone RealEstate Investment Group is an absolute source of real property information - visiononerealestate.blogspot.com =====
Debt Service Coverage Ratio Loan (DSCR)
What Is the Debt Service Coverage Ratio (DSCR)?
DSCR
loans are used by new investors to buy their first rental and
experienced investors to grow their portfolios. DSCR loans are only for
rental properties that generate cash flow, and because they are built
for rental properties, DSCR qualification is based on property rental
income, not personal income.
Debt Service Coverage Ratio Loan (DSCR)
DSCR
loans are used by new investors to buy their first rental and
experienced investors to grow their portfolios. DSCR loans are only for
rental properties that generate cash flow, and because they are built
for rental properties, DSCR qualification is based on property rental
- The
debt service coverage ratio (DSCR) is a number that measures a
property’s current rental income compared to its debt obligations. A
DSCR above 1.0 indicates positive cash flow, while a DSCR below 1.0
indicates negative cash flow.
- A
DSCR loan allows a borrower to qualify for financing based on the
projected rental income of a property rather than personal income.
- DSCR
loans are designed for real estate investors and can only be used to
purchase income-generating properties. DSCR loans can’t be used to buy a
primary residence
- DSCR = ANNUAL GROSS RENTAL INCOME DIVIDED BY DEBT OBLIGATION
How to Calculate DSCR
The
debt service coverage ratio measures a property’s annual gross rental
income against its annual mortgage debt, including principal, interest,
taxes, insurance, and HOA (if applicable). Lenders use DSCR to analyze
how much of a loan can be supported by the income coming from the
property and to determine how much income coverage there will be at a
specific loan amount. When calculating DSCR, lenders do not take into account expenses such as:
Next,
you’ll need to find your annual debt. Your annual debt for loan
qualification purposes equals the total annual principal, interest,
taxes, insurance, and HOA (if applicable) payments. Annual Debt = Total
Annual PITI payments.
Step 3
Next,
you’ll divide your annual gross rental income by your annual debt for
your ratio. DSCR = Annual gross rental income/Annual debt.
What Is a DSCR Loan?
A DSCR loan is one of several types of home loans referred to as Non-QM loans.
Non-QM loans provide potential borrowers with an alternative route to
financing, which doesn’t require traditional income verification
methods. A DSCR loan, in particular, makes it easier to show rental
income that might not show up on your taxes due to deductions for
legitimate business expenses.
A
DSCR loan is a strong Non-QM loan for real estate investors. Lenders
can use a DSCR to help qualify real estate investors for a loan because
it can easily determine the borrower’s ability to repay without
verifying personal income.
------
Some of the property types you can use a DSCR loan for include:
- Single Family Residences (SFR), including single-family homes, condos, and townhomes.
- Multifamily properties (2-10 Units).
- Rural (acreage limitations apply, and the property’s income must be supported by comparable rents in the area).
Many real estate investors tend to use DSCR loans for rental income properties that allow them to open up new revenue streams.
--------
DSCR Loan Requirements
DSCR
loans have specific requirements that borrowers must meet to secure
this type of loan. The key DSCR loan requirements include:
- Minimum credit score of 620: Borrowers’
credit histories and financial stability are evaluated, although credit
requirements can vary depending on the lender and specific loan terms.
Borrowers who take out a DSCR loan with Griffin Funding have an average
credit score of 732, but we can work with borrowers with credit scores
as low as 620.
- Minimum loan amount of $100,000:
DSCR loans offer loan amounts ranging from $100,000 to $20,000,000,
providing a flexible financing option for properties that range in cost.
- Appraisal: An appraisal is conducted to determine the property’s current market value and rental income.
- Property type: DSCR
loans can only be used for investment properties that generate rental
income. The property you are purchasing or refinancing must be a
non-owner-occupied, income-producing investment property used for
business purposes. DSCR loans cannot be used on primary residences.
Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you... 305-784-6554
--Yes, contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor.
I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC---I would like to help you with your real estate transactions. ----As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554
========THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @ 305-784-6554
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - FIRST CLASS CAN HELP! CONTACT ANTONY@ 305-784-6554 = WWW.VISIONONECAPITAL. BLOGSPOT.COM
------
Real Estate is a great source of wealth creation...
http://WWW.FACEBOOK.COM/ WORLDCLASSREALESTATE
----------
Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate. blogspot.com
----------
Anthony Real estate Service For Buyers And Sellers. SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
=========
Real Estate is the absolute pathway to build wealth. -
www.antonyrealestate.blogspot. com
=======
ANTONY JEANTY, Real Estate: Buying - Selling - Leasing: I can Help! Residential And, OR Commercial Real Estate - 305-784-6554
----- LOOKING FOR RENTAL REAL ESTATE PROPERTY:-----The Renters' Choice IN MIAMI DADE, BROWARD AND PALM BEACH COUNTY FLORIDA - 305-784-6554------Homes for Rent Near By: Single Family - Apartment - Townhouse, places for business... CONTACT, ANTONY @ 305-784-6554
=====Real estate agents in Miami-Dade County, FL - 305-784-6554---North Miami FL Rental Listings - https://anthonyrealestate. blogspot.com--Broward County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534--North Miami Beach FL Rental Listings... http://WWW. YOUTUBE.COM/ VISIONONEREALESTATE---Real estate agents in Palm Beach County, FL - 305-784-6554----Palm Beach County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534 - http://www.facebook.com/ worldclassrealestate
Save for a Down Payment
""One of the biggest hurdles people think of when considering how to get into real estate is the down payment. However, this can actually be a relatively simple part of the process!
""""If you already own your home, you can use the equity for a downpayment on an investment property (more on that later).
""""If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth.
"""There are programs like FHA and VA loans that offer first time homebuyers the ability to purchase a home, dowm-payment assistant programs in your city or county.
""
To improve your credit score:
""- Pay off outstanding debt—especially high-interest credit cards.
- Make all payments on time.
- Keep your credit utilization low (under 30%).
- Avoid opening new lines of credit.
- Check your credit report regularly and dispute any errors.
- -------------
If your score is below 700, focus on improving it before applying for an investment loan. Some lenders require at least 720 for the best terms. A better score means lower borrowing costs.
You Make Money When You Buy, Not When You Sell
Many beginners think they will profit when they sell a property, but the real money is made at the purchase.
- ---------
- The goal is to buy properties below market value, allowing for built-in equity from the start.
- ------------
- Strategies like foreclosures, off-market deals, distressed sales, and motivated seller negotiations can help secure a great deal.
- -------
- Consider the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) to grow your portfolio without tying up too much capital.
Protect Your Investments: Never Own Properties in Your Personal Nam
""Real estate comes with risks, and owning rental properties in your name exposes you to liability. Instead:
""Additionally, umbrella insurance policies can provide extra protection for a small annual cost.
""
What every real estate investor needs to know about multifamily and commercial real estate investing...
Do you want to create passive income, reach financial freedom, and build generational wealth.------------
Have you ever wondered how to get into real estate but felt like you didn’t have the resources or expertise to start? https://www. knowledgefinancialgroup.com/ visiononerealestate.html-----
Fear will always keep you from moving forward, but the truth is there are proven, no-money-down, low-risk real estate investing strategies that almost anyone can implement. If you’re not quite ready yet, there is a straightforward process to prepare
-------
to Get into Real Estate: First Steps
Define Your Why
Real estate investing is more than just a wealth-building tool—it’s a pathway to financial freedom.
---
Define the reasons why you should be a real estate invest
If you’re renting, you’re
already paying a monthly expense—but you’re not building equity.
Instead, put that money toward your own home so you can start building
wealth. https:// visiononerealestate.blogspot. com/
------
Before Purchasing, Ask: “What Will It Rent For?”
One of the biggest mistakes new investors make is buying a property without understanding its rental potential
------ The goal is to buy properties below market value, allowing for built-in equity from the start.
x.com/visiononereal
——–Visionone Real Estate Investment Group, we always want to be the most trusted source for real estate investing.I prefer to make an average deal on a great property than a great deal on an average property———Visionone Real Estate focuses on the specific Tenants and the Lease Terms making him a unique investor who can create wealth in any market. https://
visiononerealestate.blogspot. com/
—–Visionone Real Estate Investment Group loves buying the right bargain residential properties below comparable sales in the right locations, then rehabbing them and reselling them but not so fast could potentially make you hundreds of thousands of dollars. Visionone Real Estate Investment Explans the difference between a professional expert and a sometimes lucky amateur. Is simply the first can make things happen again and again with a high degree of accuracy.When the second doesn’t even know what happened. Don’t be an amateur INVEST WITH US for the Commercial Real Estate, OR JOIN OUR TEAM https://www.facebook. com/Antonyrealestate/ -
Anthony Real estate Service For Buyers And Sellers
https://anthonyrealestate. blogspot.com/
How to Sell a Home For Sale By Owner (FSBO)
If you are one of the rare few who have the time and energy required to sell your own home,
you will certainly want to do your homework before you begin trying to sell by owner. Figuring
out how to sell a home for sale by owner is not an easy task. In fact national statistics show that over 80% of all
homeowners end up listing with a real estate agent after attempting to sell as a FSBO. In other words most for sale by owners fail in their quest to sell
without the assistance of a Realtor.
It is really not all that surprising given the fact a lot of things that go into selling a home – hence why real estate agents often work long hours and
weekends. Even selling a single home can involve numerous hours of preparation and a lot of legwork to manage successfully.
This is an important consideration when planning on how to sell for sale by owner. You should be well prepared to invest a significant time and effort on
your sale.
The biggest motivation for most homeowners trying to sell by owner is money. There are some sellers who unfortunately do not have the finances to pay a
real estate commission which can amount to thousands of dollars. The commission in most places around the country can range anywhere from 4-7% of the
homes sale price. Quite a bit of money if you are strapped for cash. For these folks going after that 20 percent who are successful selling their homes as a
for sale by owner is worth it. There are also some FSBO’s that have had a bad experience with an agent and decide to see if they can do it themselves.
Given the fact that so many for sale by owner’s end up failing in their attempt to sell, I have decided to offer some tips on how you can go about selling a
home for sale by owner. These are the things you really need to think about when going FSBO!
Prepare The Home For Sale
You want buyers to love your home. While the things you can do are not a guarantee that this will happen, you can certainly help the situation along. Take a
hard look at your home for any major issues that you have the time and money to fix. These things need to be taken care of before you put the home on the
market. Sometimes it is the little things you do before putting your home up for sale that can make all the difference in the world.
These issues can include things like pet damage, carpet stains, odors and damage to the yard. This is also the time to tackle any affordable improvements
that may add value, including kitchen and bathroom remodels, new carpeting, replaced appliances, landscaping and anything else you can think of. Once the
repairs and remodeling is finished, clean the house from top to bottom and keep it that way as much as possible while the home is up for sale.
------------------------------ -------- ----------
As Realtor, Real Estate Professional we've
some very good advice for FSBOs...
Some of the most important pre-listing tasks that FSBOs should do
before listing their home for sale include;
Decluttering
Freshly paint rooms
Professionally clean carpets and/or floors
Complete any neglected repairs
Replace outdated light fixtures
Make sure your home has good curb appeal
The above home preparation tips will greatly increase the chances of a
successful FSBO. Remember, when it comes to selling a home, there
is only one chance to make a first impression and by neglecting these
home sale preparation tips, you could be costing yourself a sale.
-------
Most FSBOs Don’t Know How To Screen
Potentials Buyers
Rreal estate professional like Anthony learned how to screen potential
buyers. One of the biggest reasons why FSBOs fail in real estate is
because the homeowner has no clue what questions they should be
asking or how to screen the potential buyers.
------------
Home buyers and buyers agents want quick
responses on their inquiries, otherwise, they will often move
onto the next potential property
----------
FSBOs Don’t usually Know How To Negotiate
With Potential Buyers Offers/Contract.
Real estate contracts can be confusing which is why it is one of
the top reasons FSBOs fail in real estate.
A FSBO who doesn’t have a strong understanding of a real estate
contract may not know what they are agreeing and also the
possibility exists they don’t know how to negotiate specific parts
of the contract.
Real estate contracts are loaded with lots of clauses, timelines,
and also many common contract contingencies, such as
mortgages and inspections.
It’s important that if you plan on selling your home by yourself, you
understand that the contract is more involved than just the price
the buyer is offering.
---------------
Most FSBOs Don’t Know How To
Handle The Home Inspection Findings
Most home buyers want to have a home inspection and there are
many reasons why a home buyer should have a home inspection
when buying a home. One of the most common reasons why
FSBOs fail in real estate is because the homeowner does not
know how to handle the home inspection phase of the real estate
transaction.
Another common reason why FSBOs are unsuccessful is
because the homeowner is not willing to pay a buyers agent a
commission.
A FSBO is able to save the commission they would have to pay a
listing broker and some are willing to pay a buyers
representative, which is a smart idea.
FSBOs who are unwilling to pay a buyers agent a commission
will greatly reduce the chance of a successful sale.
As a home seller, If you must attempt to sell your home without
a professional real estate agent or broker, which is never
suggested, agreeing to pay a buyers agent is a very smart
decision.
----------------
FSBOs Home Is Lacking Exposure
One of the biggest reasons FSBOs fail in real estate is because
the homeowner is not able to get their home in front of enough
potential home buyers like a real estate agent; Anthony Jeanty
in south Florida who has the capacity to put a home for sale on
over 100 different websites and or social media pages.
-----------------
Realtor like Anthony Jeanty is capable
to give sellers homes tons of
exposure.
Whether it’s online exposure or exposure in the local real
estate section of the newspaper, blogs, Realtor like Anthony
has the tools to provide exposure that FSBOs do not.
The use of cutting-edge technology and a comprehensive
marketing plan are just a couple things that sellers should
expect when they hire a Realtor like Anthony Jeanty in south
Florida to sell their homes, their real estate properties.
----------------
The FSBO Incorrectly Prices Their
Home
Learning how to properly price real estate takes lots of practice
and experience. One of the biggest reasons why FSBOs fail in
real estate is because the homeowner incorrectly prices their
home. There are many factors to consider when pricing a home
for sale said Anthony Jeanty in Florida.
As home sellers If you decide to attempt the sale of your home
without a Realtor, you should consider having an appraisal
completed on your home. An appraisal can help verify that the
price you’re thinking of listing your home for sale at, is in line
with what an appraiser indicates your home is worth.
------------------
FSBOs Don’t Know How To Ensure
The Deal Actually Closes
Once a purchase offer is accepted on a piece of real estate,
there are many things that still need to be completed prior to
the closing. Another common reason why FSBOs fail is because
the homeowner doesn’t know what to do after accepting the
offer and the ball is dropped somewhere along the line.
There are specific timelines that should be followed as well as
specific tasks that need to be completed by different parties.
Many times a FSBO doesn’t understand who needs to be doing
what and when the tasks should be completed said Anthony.
Real Estate: Buying - Selling - Leasing: I can Help You!Residential And Commercial Real Estate - 305-784-6554ANTONY JEANTY, DIGITAL CREATOR - CONTENT CREATOR FOR:
VISIONONE REAL ESTATE INVESTMENT GROUP - --------------I would like to help you with your real estate transactions. As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554-------
Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you...---Yes contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor. I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC-----
DSCR loans are used by new investors to buy their first rental and experienced investors to grow their portfolios. DSCR loans are only for rental properties that generate cash flow, and because they are built for rental properties, DSCR qualification is based on property rental income, not personal income.
DSCR loans are used by new investors to buy their first rental and experienced investors to grow their portfolios. DSCR loans are only for rental properties that generate cash flow, and because they are built for rental properties, DSCR qualification is based on property rental
- The debt service coverage ratio (DSCR) is a number that measures a property’s current rental income compared to its debt obligations. A DSCR above 1.0 indicates positive cash flow, while a DSCR below 1.0 indicates negative cash flow.
- A DSCR loan allows a borrower to qualify for financing based on the projected rental income of a property rather than personal income.
- DSCR loans are designed for real estate investors and can only be used to purchase income-generating properties. DSCR loans can’t be used to buy a primary residence
- DSCR = ANNUAL GROSS RENTAL INCOME DIVIDED BY DEBT OBLIGATION
How to Calculate DSCR
The debt service coverage ratio measures a property’s annual gross rental income against its annual mortgage debt, including principal, interest, taxes, insurance, and HOA (if applicable). Lenders use DSCR to analyze how much of a loan can be supported by the income coming from the property and to determine how much income coverage there will be at a specific loan amount. When calculating DSCR, lenders do not take into account expenses such as:
Next, you’ll need to find your annual debt. Your annual debt for loan qualification purposes equals the total annual principal, interest, taxes, insurance, and HOA (if applicable) payments. Annual Debt = Total Annual PITI payments.
Step 3
Next, you’ll divide your annual gross rental income by your annual debt for your ratio. DSCR = Annual gross rental income/Annual debt.
What Is a DSCR Loan?
A DSCR loan is one of several types of home loans referred to as Non-QM loans. Non-QM loans provide potential borrowers with an alternative route to financing, which doesn’t require traditional income verification methods. A DSCR loan, in particular, makes it easier to show rental income that might not show up on your taxes due to deductions for legitimate business expenses.
A DSCR loan is a strong Non-QM loan for real estate investors. Lenders can use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying personal income.
------
Some of the property types you can use a DSCR loan for include:
- Single Family Residences (SFR), including single-family homes, condos, and townhomes.
- Multifamily properties (2-10 Units).
- Rural (acreage limitations apply, and the property’s income must be supported by comparable rents in the area).
Many real estate investors tend to use DSCR loans for rental income properties that allow them to open up new revenue streams.
--------
DSCR Loan Requirements
DSCR loans have specific requirements that borrowers must meet to secure this type of loan. The key DSCR loan requirements include:
- Minimum credit score of 620: Borrowers’ credit histories and financial stability are evaluated, although credit requirements can vary depending on the lender and specific loan terms. Borrowers who take out a DSCR loan with Griffin Funding have an average credit score of 732, but we can work with borrowers with credit scores as low as 620.
- Minimum loan amount of $100,000: DSCR loans offer loan amounts ranging from $100,000 to $20,000,000, providing a flexible financing option for properties that range in cost.
- Appraisal: An appraisal is conducted to determine the property’s current market value and rental income.
- Property type: DSCR loans can only be used for investment properties that generate rental income. The property you are purchasing or refinancing must be a non-owner-occupied, income-producing investment property used for business purposes. DSCR loans cannot be used on primary residences.
Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you...305-784-6554--Yes, contact ANTHONY @305-784-6554 - I can be your advisor, your neighborhood Realtor.I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC---I would like to help you with your real estate transactions.----As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams.305-784-6554========THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @305-784-6554
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE -FIRST CLASS CAN HELP! CONTACT ANTONY@ 305-784-6554 = WWW.VISIONONECAPITAL.BLOGSPOT.COM ------
Real Estate is a great source of wealth creation...
http://WWW.FACEBOOK.COM/WORLDCLASSREALESTATE
----------
Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate.blogspot.com
----------
Anthony Real estate Service For Buyers And Sellers.SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
=========
Real Estate is the absolute pathway to build wealth. -
www.antonyrealestate.blogspot.com =======ANTONY JEANTY, Real Estate: Buying - Selling - Leasing:I can Help! Residential And, OR Commercial Real Estate - 305-784-6554----- LOOKING FOR RENTAL REAL ESTATE PROPERTY:-----The Renters' Choice IN MIAMI DADE, BROWARD AND PALM BEACH COUNTY FLORIDA - 305-784-6554------Homes for Rent Near By: Single Family - Apartment - Townhouse, places for business... CONTACT, ANTONY @ 305-784-6554=====Real estate agents in Miami-Dade County, FL -305-784-6554---North Miami FL Rental Listings - https://anthonyrealestate.blogspot.com --Broward County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534--North Miami Beach FL Rental Listings... http://WWW.YOUTUBE.COM/ VISIONONEREALESTATE ---Real estate agents in Palm Beach County, FL -305-784-6554----Palm Beach County FL Rental Listings...Real estate agents in Broward County, FL. 305-784-65534 - http://www.facebook.com/worldclassrealestate Save for a Down Payment
""One of the biggest hurdles people think of when considering how to get into real estate is the down payment. However, this can actually be a relatively simple part of the process!
""""If you already own your home, you can use the equity for a downpayment on an investment property (more on that later).
""""If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth.
"""There are programs like FHA and VA loans that offer first time homebuyers the ability to purchase a home, dowm-payment assistant programs in your city or county.
""To improve your credit score:
""- Pay off outstanding debt—especially high-interest credit cards.
- Make all payments on time.
- Keep your credit utilization low (under 30%).
- Avoid opening new lines of credit.
- Check your credit report regularly and dispute any errors.
- -------------
If your score is below 700, focus on improving it before applying for an investment loan. Some lenders require at least 720 for the best terms. A better score means lower borrowing costs.
You Make Money When You Buy, Not When You Sell
Many beginners think they will profit when they sell a property, but the real money is made at the purchase.
- ---------
- The goal is to buy properties below market value, allowing for built-in equity from the start.
- ------------
- Strategies like foreclosures, off-market deals, distressed sales, and motivated seller negotiations can help secure a great deal.
- -------
- Consider the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) to grow your portfolio without tying up too much capital.
Protect Your Investments: Never Own Properties in Your Personal Nam
""Real estate comes with risks, and owning rental properties in your name exposes you to liability. Instead:
""Additionally, umbrella insurance policies can provide extra protection for a small annual cost.
"" What every real estate investor needs to know about multifamily and commercial real estate investing...Do you want to create passive income, reach financial freedom, and build generational wealth.------------Have you ever wondered how to get into real estate but felt like you didn’t have the resources or expertise to start? https://www.knowledgefinancialgroup.com/ visiononerealestate.html -----Fear will always keep you from moving forward, but the truth is there are proven, no-money-down, low-risk real estate investing strategies that almost anyone can implement. If you’re not quite ready yet, there is a straightforward process to prepare-------to Get into Real Estate: First Steps
Define Your Why
Real estate investing is more than just a wealth-building tool—it’s a pathway to financial freedom.
---
Define the reasons why you should be a real estate invest
If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth. https://
visiononerealestate.blogspot. com/ ------
Before Purchasing, Ask: “What Will It Rent For?”
One of the biggest mistakes new investors make is buying a property without understanding its rental potential
------ The goal is to buy properties below market value, allowing for built-in equity from the start.
x.com/visiononereal
——–Visionone Real Estate Investment Group, we always want to be the most trusted source for real estate investing.I prefer to make an average deal on a great property than a great deal on an average property———Visionone Real Estate focuses on the specific Tenants and the Lease Terms making him a unique investor who can create wealth in any market. https://
visiononerealestate.blogspot. com/ —–Visionone Real Estate Investment Group loves buying the right bargain residential properties below comparable sales in the right locations, then rehabbing them and reselling them but not so fast could potentially make you hundreds of thousands of dollars.Visionone Real Estate Investment Explans the difference between a professional expert and a sometimes lucky amateur. Is simply the first can make things happen again and again with a high degree of accuracy.When the second doesn’t even know what happened. Don’t be an amateur INVEST WITH US for the Commercial Real Estate, OR JOIN OUR TEAM https://www.facebook.com/Antonyrealestate/ -
Anthony Real estate Service For Buyers And Sellers
https://anthonyrealestate.blogspot.com/
How to Sell a Home For Sale By Owner (FSBO)
If you are one of the rare few who have the time and energy required to sell your own home,
you will certainly want to do your homework before you begin trying to sell by owner. Figuring
out how to sell a home for sale by owner is not an easy task. In fact national statistics show that over 80% of all
homeowners end up listing with a real estate agent after attempting to sell as a FSBO. In other words most for sale by owners fail in their quest to sell
without the assistance of a Realtor.
It is really not all that surprising given the fact a lot of things that go into selling a home – hence why real estate agents often work long hours and
weekends. Even selling a single home can involve numerous hours of preparation and a lot of legwork to manage successfully.
This is an important consideration when planning on how to sell for sale by owner. You should be well prepared to invest a significant time and effort on
your sale.
The biggest motivation for most homeowners trying to sell by owner is money. There are some sellers who unfortunately do not have the finances to pay a
real estate commission which can amount to thousands of dollars. The commission in most places around the country can range anywhere from 4-7% of the
homes sale price. Quite a bit of money if you are strapped for cash. For these folks going after that 20 percent who are successful selling their homes as a
for sale by owner is worth it. There are also some FSBO’s that have had a bad experience with an agent and decide to see if they can do it themselves.
Given the fact that so many for sale by owner’s end up failing in their attempt to sell, I have decided to offer some tips on how you can go about selling a
home for sale by owner. These are the things you really need to think about when going FSBO!
Prepare The Home For Sale
You want buyers to love your home. While the things you can do are not a guarantee that this will happen, you can certainly help the situation along. Take a
hard look at your home for any major issues that you have the time and money to fix. These things need to be taken care of before you put the home on the
market. Sometimes it is the little things you do before putting your home up for sale that can make all the difference in the world.
These issues can include things like pet damage, carpet stains, odors and damage to the yard. This is also the time to tackle any affordable improvements
that may add value, including kitchen and bathroom remodels, new carpeting, replaced appliances, landscaping and anything else you can think of. Once the
repairs and remodeling is finished, clean the house from top to bottom and keep it that way as much as possible while the home is up for sale.
-------------------------------------- ----------
As Realtor, Real Estate Professional we've
some very good advice for FSBOs...
Some of the most important pre-listing tasks that FSBOs should do
before listing their home for sale include;
Decluttering
Freshly paint rooms
Professionally clean carpets and/or floors
Complete any neglected repairs
Replace outdated light fixtures
Make sure your home has good curb appeal
The above home preparation tips will greatly increase the chances of a
successful FSBO. Remember, when it comes to selling a home, there
is only one chance to make a first impression and by neglecting these
home sale preparation tips, you could be costing yourself a sale.
-------
Most FSBOs Don’t Know How To Screen
Potentials Buyers
Rreal estate professional like Anthony learned how to screen potential
buyers. One of the biggest reasons why FSBOs fail in real estate is
because the homeowner has no clue what questions they should be
asking or how to screen the potential buyers.
------------
Home buyers and buyers agents want quick
responses on their inquiries, otherwise, they will often move
onto the next potential property
----------
FSBOs Don’t usually Know How To Negotiate
With Potential Buyers Offers/Contract.
Real estate contracts can be confusing which is why it is one of
the top reasons FSBOs fail in real estate.
A FSBO who doesn’t have a strong understanding of a real estate
contract may not know what they are agreeing and also the
possibility exists they don’t know how to negotiate specific parts
of the contract.
Real estate contracts are loaded with lots of clauses, timelines,
and also many common contract contingencies, such as
mortgages and inspections.
It’s important that if you plan on selling your home by yourself, you
understand that the contract is more involved than just the price
the buyer is offering.
---------------
Most FSBOs Don’t Know How To
Handle The Home Inspection Findings
Most home buyers want to have a home inspection and there are
many reasons why a home buyer should have a home inspection
when buying a home. One of the most common reasons why
FSBOs fail in real estate is because the homeowner does not
know how to handle the home inspection phase of the real estate
transaction.
Another common reason why FSBOs are unsuccessful is
because the homeowner is not willing to pay a buyers agent a
commission.
A FSBO is able to save the commission they would have to pay a
listing broker and some are willing to pay a buyers
representative, which is a smart idea.
FSBOs who are unwilling to pay a buyers agent a commission
will greatly reduce the chance of a successful sale.
As a home seller, If you must attempt to sell your home without
a professional real estate agent or broker, which is never
suggested, agreeing to pay a buyers agent is a very smart
decision.
----------------
FSBOs Home Is Lacking Exposure
One of the biggest reasons FSBOs fail in real estate is because
the homeowner is not able to get their home in front of enough
potential home buyers like a real estate agent; Anthony Jeanty
in south Florida who has the capacity to put a home for sale on
over 100 different websites and or social media pages.
-----------------
Realtor like Anthony Jeanty is capable
to give sellers homes tons of
exposure.
Whether it’s online exposure or exposure in the local real
estate section of the newspaper, blogs, Realtor like Anthony
has the tools to provide exposure that FSBOs do not.
The use of cutting-edge technology and a comprehensive
marketing plan are just a couple things that sellers should
expect when they hire a Realtor like Anthony Jeanty in south
Florida to sell their homes, their real estate properties.
----------------
The FSBO Incorrectly Prices Their
Home
Learning how to properly price real estate takes lots of practice
and experience. One of the biggest reasons why FSBOs fail in
real estate is because the homeowner incorrectly prices their
home. There are many factors to consider when pricing a home
for sale said Anthony Jeanty in Florida.
As home sellers If you decide to attempt the sale of your home
without a Realtor, you should consider having an appraisal
completed on your home. An appraisal can help verify that the
price you’re thinking of listing your home for sale at, is in line
with what an appraiser indicates your home is worth.
------------------
FSBOs Don’t Know How To Ensure
The Deal Actually Closes
Once a purchase offer is accepted on a piece of real estate,
there are many things that still need to be completed prior to
the closing. Another common reason why FSBOs fail is because
the homeowner doesn’t know what to do after accepting the
offer and the ball is dropped somewhere along the line.
There are specific timelines that should be followed as well as
specific tasks that need to be completed by different parties.
Many times a FSBO doesn’t understand who needs to be doing
what and when the tasks should be completed said Anthony.Real Estate: Buying - Selling - Leasing: I can Help You!Residential And Commercial Real Estate - 305-784-6554ANTONY JEANTY, DIGITAL CREATOR - CONTENT CREATOR FOR:VISIONONE REAL ESTATE INVESTMENT GROUP ---------------I would like to help you with your real estate transactions.As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554-------Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you...---Yes contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor. I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC-----