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More positive news on the economic picture!

More positive news on the economic picture! The latest ADP report on jobs shows the largest jump in 5 months. People going back to work is one of the most important factors for keeping the economy rolling. If you are looking for home prices to continue upwards, this...

Where new construction is booming.

As is the case during any housing boom, many geographies explode with new home construction. Once the ride is over, Home Builders start looking for the next opportunity. So, where are permits for Single Family Residences (SFR's), condos and Townhomes being pulled the...

The Home Purchase Sentiment Index (HPSI) was released.

When looking at the first graph in link below, going all the way back to when the index was created in 2011, it shows a steady increase to an all time high of 92.5 just before the Pandemic. The index, then, shows a steep decline in April of last year when fear of the...

What kind of returns are you looking for from a rental property?

 5,6,7%? 10%? More? How will those percentages change as the property increases or decreases in value? Answer: They wont! At the same time, how great is it when the property does go up in value? The benefit of appreciation, at least on paper, is that it can be used as...

what else makes the monthly mortgage payment go up

Besides the price of the home and taxes, what else makes the monthly mortgage payment go up? Answer: Interest rate. How much less expensive was the monthly payment for the same home you might have been considering a month ago when rates were lower? How much more will...

How much more attractive are mortgage rates today relative to years ago?

How much more attractive are mortgage rates today relative to years ago? The illustration below may put things in perspective as to the opportunity that exists for taking advantage of these historically low levels. Despite being only marginally higher than a month...

Forbearance and Mortgage Protection programs

Washington just extended the Forbearance and Mortgage Protection programs ... once again. There is no question that the administration foresees a major impact on housing prices, if they do not make the extensions. As mentioned, if unemployment continues to improve,...

How affordable housing impacts neighborhoods

When choosing to own property in higher density housing areas, what happens if some neighboring homes get re-zoned commercial or mixed use? If those designations happen, will it have a positive or negative effect on your property? What happens if some units are...

What can set your rental apart from other places?

What are some other areas that can set your rental apart from other places? Hands down, the most important factor is cleanliness! No clutter is next. Professional looking pictures are easy with today's phone technology. Make sure there is plenty of light. As noted in...

Home decorating trends

Do you remember what the home decorating trends were 15 years ago? As a simple example, the trend for interior paint colors were Beige and Brown. Today, the trends have more Greys and Neutrals. There are all kinds of trends that renters or buyers look for as it...
More positive news on the economic picture!

More positive news on the economic picture!

More positive news on the economic picture! The latest ADP report on jobs shows the largest jump in 5 months. People going back to work is one of the most important factors for keeping the economy rolling. If you are looking for home prices to continue upwards, this is good news! On the other hand, if you are waiting for a pullback, the wait is likely to be a while. What do you see that could...

Where new construction is booming.

Where new construction is booming.

As is the case during any housing boom, many geographies explode with new home construction. Once the ride is over, Home Builders start looking for the next opportunity. So, where are permits for Single Family Residences (SFR's), condos and Townhomes being pulled the most now? See below for the top 10 spots, according to Realtor.com. Surprisingly, New York made the list. Contact UsReach Us70...

The Home Purchase Sentiment Index (HPSI) was released.

The Home Purchase Sentiment Index (HPSI) was released.

When looking at the first graph in link below, going all the way back to when the index was created in 2011, it shows a steady increase to an all time high of 92.5 just before the Pandemic. The index, then, shows a steep decline in April of last year when fear of the Pandemic had really taken hold. Home prices, however, did not follow suit. Instead, they were setting up to explode to all time...

What kind of returns are you looking for from a rental property?

What kind of returns are you looking for from a rental property?

 5,6,7%? 10%? More? How will those percentages change as the property increases or decreases in value? Answer: They wont! At the same time, how great is it when the property does go up in value? The benefit of appreciation, at least on paper, is that it can be used as leverage. However, that has NO effect on your ROI (Return on Investment) until you sell. If you are in the market for the long...

what else makes the monthly mortgage payment go up

what else makes the monthly mortgage payment go up

Besides the price of the home and taxes, what else makes the monthly mortgage payment go up? Answer: Interest rate. How much less expensive was the monthly payment for the same home you might have been considering a month ago when rates were lower? How much more will the payment be as rates continue North? One indicator of the direction of interest rates, historically has been the 10 Year...

How much more attractive are mortgage rates today relative to years ago?

How much more attractive are mortgage rates today relative to years ago?

How much more attractive are mortgage rates today relative to years ago? The illustration below may put things in perspective as to the opportunity that exists for taking advantage of these historically low levels. Despite being only marginally higher than a month ago, they are still about as attractive as they have ever been. Contact UsReach Us70 Main St. Peterborough NH 03458(603)...

Forbearance and Mortgage Protection programs

Forbearance and Mortgage Protection programs

Washington just extended the Forbearance and Mortgage Protection programs ... once again. There is no question that the administration foresees a major impact on housing prices, if they do not make the extensions. As mentioned, if unemployment continues to improve, will that be enough to keep the economy stabilized? Interest rates are, essentially, as low as they can go, meaning that card has...

How affordable housing impacts neighborhoods

How affordable housing impacts neighborhoods

When choosing to own property in higher density housing areas, what happens if some neighboring homes get re-zoned commercial or mixed use? If those designations happen, will it have a positive or negative effect on your property? What happens if some units are designated as low income housing? What effect can that have? Conventional wisdom would point to "Poorly". Although there are certain...

What can set your rental apart from other places?

What can set your rental apart from other places?

What are some other areas that can set your rental apart from other places? Hands down, the most important factor is cleanliness! No clutter is next. Professional looking pictures are easy with today's phone technology. Make sure there is plenty of light. As noted in the article below, if there is a similar property that has an upgraded kitchen, and yours does not, bring attention to some of the...

Home decorating trends

Home decorating trends

Do you remember what the home decorating trends were 15 years ago? As a simple example, the trend for interior paint colors were Beige and Brown. Today, the trends have more Greys and Neutrals. There are all kinds of trends that renters or buyers look for as it relates to appliances, layout, yard, etc. When it comes to creating appeal to potential Buyers or Renters, keeping up with these trends...

Are you following the latest economic news?

Are you following the latest economic news?

How closely are you following the latest economic news both on a local and national level? Even though the data is an historical view, trends can be seen, and can assist in predicting direction of the markets. Stocks reacts quickly to the data, but Real Estate takes more time to react. The latest jobs report was released Friday, indicating a mixed picture. The demographic hardest hit over the...

Best opportunities for investors

Best opportunities for investors

What geographies will present the best opportunities for investors? During the housing crisis in the late 2000’s, it was Las Vegas, Phoenix and much of Florida. Of the many factors contributing to the Housing crisis, a large one was the lack of equity built within the properties. An argument which many are making about the difference in the today’s market is the level of equity that HAS been...

Forbearance

Forbearance

For Buyers looking for an increase in supply, are you in the camp that this real estate market is going to continue to appreciate? Or, are you of the mind that the Housing market is due for a correction? One program that may be possibly preventing a collapse is Forbearance. Many foreclosures. short sales, etc have been prevented, at least temporarily due to this program. Perhaps when employment...

Renter’s Rights

Renter’s Rights

Thorough screening of tenants is a critical step in preventing many issues once they move in. But, is that a guarantee that no problems will occur? Renters do have certain rights. One easy way to prevent many problems is by having a good relationship with them. Beyond that, here is a great article outlining a few dynamics that a Landlord should be aware of. Top Two Renter Rights to Include in...

Annual Home Price Gains

Annual Home Price Gains

The publication that I find as one of the most insightful, from a Macro perspective on the overall pulse of the market, is the Case Shiller monthly report. The one drawback is that it is 2 months old, so if more real time data is needed, the report from National Association of Realtors that was shared on Friday can also provide some beneficial data. In summary, the report shows the market firing...

Supply and Demand

Supply and Demand

Do you subscribe to the most basic economic theory of Supply and Demand? During the housing crisis over 10 years ago, the peak was 12.2 months worth of Housing Inventory on the market. Today, the number is a little more than 3 months. Housing inventory just hit an all time low, at least since Realtor.com has been tracking the data. In the housing crisis, once supply reached the peak, and started...

THINGS TO AVOID AFTER APPLYING FOR A MORTGAGE

THINGS TO AVOID AFTER APPLYING FOR A MORTGAGE

Things to Avoid after Applying for a Mortgage [INFOGRAPHIC] SOME HIGHLIGHTS There are a few key things to make sure you avoid after applying for a mortgage to help make sure you still qualify for your loan at the closing table. Along the way, be sure to discuss any changes in income, assets, or credit with your lender, so you don’t unintentionally jeopardize your application. The best plan is to...

Factors that influence home prices

Factors that influence home prices

Besides Supply and Demand what are some other factors that influence home prices? Schools Crime rates jobs, Jobs, JOBS, JOBS How many markets have exploded or imploded because of jobs? As one example, the Austin, Texas market has skyrocketed due to all the tech jobs coming into the area. On the other hand, look at what happened in Binghamton, New York market years ago when Xerox closed...

How much are states growing in population?

How much are states growing in population?

How much are state growing in population? This list below is for July 2019-July 2020, and the chart in the link underneath the list is for the last decade. When viewing the chart in the link, hover over any state for the statistics. The 10 Fastest-Growing States  1. Idaho    2. Arizona    3. Nevada    4. Utah    5. Texas    6. South Carolina    7. Florida    8....

It’s all about the negotiation…

It’s all about the negotiation…

With Inventories being extremely low and the housing market being more competitive for Buyers, it’s all about the negotiation to secure a property. Understanding your position AS WELL AS THE BUYER'S mentality provides YOU with greater leverage. How motivated is the Seller? a. Have they been trying to sell for long? b. Are they local? c. Can anything be discovered about their financial situation?...

Where is the housing market heading?

Where is the housing market heading?

Here is another data set to use in getting a barometer on where the Housing Market may be headed. Fannie Mae released their monthly consumer Housing Pricing Sentiment Index (HPSI), which showed an overall 6 point decline from November. The press release reports “Five of the six HPSI components decreased month over month, and consumers reported a substantially more pessimistic view of homebuying...

Buyer’s purchasing power

Buyer’s purchasing power

Depending on the amount you may need to finance, and because rates do fluctuate from time to time, how about a quick reference on a payment schedule per $100,000 along with a corresponding interest rate? Contact UsReach Us70 Main St. Peterborough NH 03458(603) 860-8603facebooktwitterlinkedin

Migration Trends

Migration Trends

New Hampshire is moving up the list (26 from 31). This list is directional for the states where people are moving TO the most (one-way U-haul rental TO the state). E.g. California is at the bottom, and we've all heard about the exodus. It's worth noting that there's a higher than average correlation this year between the higher ranked states and those same states' (perceived) level of economic...

Condos?

Condos?

A question that has come up recently is regarding the idea of owning condominiums as an investment. Like any asset class, in or out of Real Estate, they each have their own dynamics. Condos have worked extremely well for me for many reasons. Here are several: They are very easy to maintain relative to a Single family home or TH They almost mirror the appreciation of a Single Family in most...

Corporate Housing

Corporate Housing

As one option to capture higher rents, how about the emerging market of Corporate housing? These have certainly proven lucrative for me. The concept has been around for a good while, but over the last several years, the interest from extended stay travelers has grown considerably, even with the Pandemic where many are reluctant to stay in Hotels. What are the general features to a typical unit,...

Do you HAVE to put 20% down on a new property?

Do you HAVE to put 20% down on a new property?

Are you stuck on the idea that you need to put 20% down on a property? It is great if you have it, but, if not, there are lots of options ranging from conventional lending to hard lending to grants to local municipal programs to lending partners and beyond. If you want to purchase a property, how much effort are you willing to put in to accomplish your objective? Ask us for ideas. Contact...

Existing Home Sales

Existing Home Sales

As the data comes in, let's review and provide commentary on what you may be seeing. National Association of Realtor's Existing Home Sales report was released, indicating the highest sales levels since before the Great Recession/Housing crisis. Amazing! As discussed many times, inventory levels continue to be tight, which is a big factor in fueling prices. Does this mean there aren't good deals...

Three Hardest Hit Markets in 2008

Three Hardest Hit Markets in 2008

The three hardest hit markets in the 2008 housing collapse 2008 were Las Vegas, Phoenix and Miami. If you are of the mind that we are in a housing bubble similar to 2008, the one interesting difference between now and then is Homeowner Equity has increased an Astonishing $1 Trillion. Last week, CoreLogic released its 2020 3rd Quarter Homeowner Equity Insights report, which reveals four major...

Renters falling behind?

Renters falling behind?

There has been quite a bit of information being relayed, indicating that a large number of Renters are falling well behind on making rent payments. The reality of how many who are actually delinquent due to Covid, however, may surprise you. So, when weighing all the risks that factor into the equation of purchasing a rental property, take a look at this report, which may help eliminate at least...

Real Estate Alternatives

Real Estate Alternatives

With Home inventories at a near all time low, what other Real Estate alternatives exist? For one, how about LAND? As is the case with any property type, there are factors to consider. Here are a few: Zoning – Is it zoned Residential, Commercial or Agricultural, Conservation land, etc? Property taxes Insurance. Maintenance - Are there ordinances requiring any maintenance such as mowing, tree...

Multigenerational Housing

Multigenerational Housing

An increasing need in the housing market is Multigenerational housing. 1 in 5 Americans live in this type of home. Most recently, according the National Association of Realtors, "Buyers who purchased after March were more likely to purchase a multi-generational home at 15% compared to 11% who purchased before April". So, what is Multigenerational housing? And, what home features are needed in...

Been wondering how rental vacancy rates have changed

Been wondering how rental vacancy rates have changed

Been wondering how rental vacancy rates have changed over the last decade? More recently, what impact has Covid had? This information should be helpful with assisting when might be a good time to buy rental property, and then, of course, where. Nationally, the rental market has seen a 40% reduction in vacancy rates, meaning that demand for those trying to find a home to rent continues to...

Where are the next opportunities for any type of property

Where are the next opportunities for any type of property

Where are the next opportunities for any type of property you may be looking for? Has there ever been a vacation destination you have visited where the thought of owning a rental property in that market has sounded interesting? As with any property investment, some markets perform better than others. And, in the world of Covid, nothing could be more pertinent. Air DNA put together an interesting...

Certain markets have  benefited from lifestyle changes due to Covid,

Certain markets have benefited from lifestyle changes due to Covid,

Certain markets have benefited from lifestyle changes due to Covid, there are some areas that have under-performed as well. No real surprise, but the large metro areas, which typically attract many visitors, have experienced lower levels of tourism. Is the likelihood that travel will return to those destinations? And, does this create opportunity while those markets are slow? Here is a report...

What types of tax deferral benefit programs exist with real estate?

What types of tax deferral benefit programs exist with real estate?

One program that was introduced in 2017 involves Opportunity Zones. This is a program that was designed to both shield future Capital gain taxes while attracting investment money into economically challenged areas at the same time. Each state submitted locales to the point where 8,760 throughout the country received the designation. As with any program, there are requirements on the use of the...

TO RAISE THE RENT OR NOT TO RAISE THE RENT.  THAT IS THE QUESTION.

TO RAISE THE RENT OR NOT TO RAISE THE RENT. THAT IS THE QUESTION.

When you have a great tenant who is timely with submitting rent payments and also takes care of the home, can it be difficult to raise the rent due to concerns that they may decide to search for new surroundings? There are many factors to consider. 1. How long might it take to replace them?        A. Only 1 month of vacancy can create more of a loss in total revenue for the year than if the...

Supply and Demand!

Supply and Demand!

Where is Buyer demand strong in the country? Maybe a better way to say it is Where is it not strong? How about Seller activity? As is the case at any given time, each market has its own personality. By state, though, the chart below from National Association of Realtors can be a useful tool to provide some fantastic insight on where to look. Contact UsReach Us70 Main St. Peterborough NH...

Been wondering how rental vacancy rates have changed over the last decade?

Been wondering how rental vacancy rates have changed over the last decade?

More recently, what impact has Covid had? This information should be helpful with assisting when might be a good time to buy rental property, and then, of course, where. Nationally, the rental market has seen a 40% reduction in vacancy rates, meaning that demand for those trying to find a home to rent continues to strengthen. For those areas where there is little vacancy, solutions are needed....

Rural settings gaining popularity with home buyers

Rural settings gaining popularity with home buyers

Advanced resources for Real Estate Investingdaily newsThere has been a fair amount of commentary regarding people who have lived in city surroundings have been vacating, and searching for more rural type geographies. Gallup recently released an interesting poll suggesting just that! 48% now prefer to live in a town or rural area, up from 39% in 2018. For Investors, are you considering buying in...

When buying a rental property, were you aware that it is possible to use future rental income to assist in qualifying for a loan?

When buying a rental property, were you aware that it is possible to use future rental income to assist in qualifying for a loan?

Were you aware that it is possible to use future rental income to assist in qualifying for a loan? There are some factors that need to be in place, but... future rent potential can allow purchasing an investment property much easier. Has the property been rented before? Are there comparable properties that are being rented in the area? Here is an article with some further detail....

To increase your net worth, how much sense has it made to own Real Estate?

To increase your net worth, how much sense has it made to own Real Estate?

First American reported "According to the 2019 Survey of Consumer Finances, a triennial survey that collects detailed accounts of households’ finances, the median homeowner has 40 times the household wealth of a renter – $254,900 for the former compared to $6,270 for the latter." 2020, for many reasons, saw incredible appreciation nationwide. Below is a map of the average equity gains for the...

To increase your net worth, how much sense has it made to own Real Estate?

First American reported “According to the 2019 Survey of Consumer Finances, a triennial survey that collects detailed accounts of households’ finances, the median homeowner has 40 times the household wealth of a renter – $254,900 for the former compared to $6,270 for the latter.”
2020, for many reasons, saw incredible appreciation nationwide. Below is a map of the average equity gains for the year by state. Wow! All over is amazing. The Northwest and Northeast especially outperformed.
Who would have predicted this outcome? Will 2020 be repeated? Pandemic wise, I hope not! In terms of Real Estate values, anything is possible.
For those in the market, congrats! For those on the sidelines, 2021 is a new year. Do your due diligence. Use the tools/resources available at your disposal. And, be calculated!

Case Shiller

  https://www.spglobal.com/spdji/en/index-announcements/article/sp-corelogic-case-shiller-index-shows-annual-home-price-gains-increased-to-57-in-august/  

Demo Daily News

Demo Daily News

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Daily News Template

Daily News Template

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