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  • June 26, 2019 12:46 PM | Deleted user

    To profit from real estate investing and stay on top of your competition, it is imperative to stay up-to-date with industry trends and developments. Keep track of significant real estate costs. Most beginners tend to overlook them, focusing on making the most of the current boom in property investment. Don’t make the same mistake.

    Real estate associations and experts have weighed in on the situation, identifying the factors critical to today’s property investment scene. Read on and discover what you can expect when entering this field.

    A Look Back on the 2018 Home Equity Situation

    2018 was a watershed year for property investing. In the initial half of the year alone, homeowners cumulatively earned around $1 trillion in home equity.    

    Home equity is defined as the homeowner’s interest in a home or the portion of the property that you truly “possess.” For instance, you are considered the owner of your home. However, if you got a loan to obtain it, your lender will have an interest in your residence until you can pay them off. Home equity can go up over time if there’s an increase in the property’s value or a decrease in the property’s mortgage loan balance.

    In 2018, home equity was positive on over 95% of mortgaged homes. Only fewer than 5% of homeowners have reported being underwater on their investment property mortgages. This positive development has led financial analysts to predict the following:

    • Increased spending
    • Growth of the economy
    • Larger expenses on home improvement

    It has been estimated that homeowners, on the average, got $16,200 in equity yearly. However, it is worth noting that most of the equity gains happened on the west coast, which means that they are not truly representative of the “average homeowner’s” gains. States such as California have been getting an average homeowner equity gains of $50,000.

    The Hidden Costs of Home Ownership

    While the housing market is very optimistic, there are also “hidden” costs that come with property investment. Here’s a breakdown of these expenses from a reliable real estate investors association:

    • On average, a buyer will spend 41% of their monthly income on total monthly housing costs, with the utilities factored in. Do keep in mind that mortgages do not factor in costs from utility services.
    • Homeowners spend approximately $9,080 annually on home-related costs apart from their monthly mortgage. This also involves an extra $757 monthly on home-related expenses, and only $3,000 worth of non-mortgage expenses are avoidable.
    • Investors are expected to pay 5% of the purchase price for additional home closing costs. If you only stay in a house for a year or two, the closing costs may not be recouped, even if the home appreciates in value.
    • Ending on December 31, 2017, homeowners have seen their property’s price rise by an average of 7% over five years. The 5-year period is crucial since appreciation doesn’t have an annual guarantee; it develops in the long run.

    Get Support from a Trusted Real Estate Investment Association

    If you’re looking to profit from real estate investing, it’s imperative that you know about the underlying costs of the venture.  Maximize every investment with the guidance and support of an established real estate investment association.

    As Indiana’s top real estate investment association, CIREIA helps investors realize their full potential in the industry through classes and events on networking and investor education. Being a member of CIREIA also entitles you to numerous benefits, including discounted rates at investor workshops and credit hours to Professional Housing Provider (PHP) certification.

    Contact us now at (317) 670-8491 to begin your journey to wealth through investing

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  • June 04, 2019 10:59 AM | Anonymous

    The Governor signed this bill into law on April 25, 2019. Unlike most new laws, this one is effective immediately. Learn what is happening on the city and town level and how they are trying to push back. The fight continues !

  • May 17, 2019 10:05 AM | Deleted user

    Real Estate Investing

    One of the critical factors to consider in real estate investing and selling is the demographics of your market. Major shifts in a population’s demographics can have a significant impact on real estate trends for years to come – this includes real estate pricing and the type of properties in demand. As such, it is significant to stay up-to-date with the rising trends and get to know the demographics of your market to get ahead of the competition.  

    Top 10 Cities with Youngest Homeowners

    Using data from the US Census Bureau, Lending Tree found that some of Utah’s largest cities have the youngest homeowners in the country. Provo, UT —the top city with the youngest homeowners in the country— has an average homeowner age below 50. This is below the national homeowner age, which is 54. Targeting areas with a younger population and growing housing demand may indicate increasing property appreciation rate. Likewise, rising demands for land and rental properties mean better cash flow and higher profits.

    Here is the complete list of the top US cities with the youngest homeowners:

    1. Provo, UT
    2. Ogden, UT
    3. Salt Lake City, UT
    4. Des Moines, IA
    5. Austin, Texas
    6. Raleigh, NC
    7. Omaha, NE
    8. Minneapolis, MN
    9.  McAllen, TX
    10.  Houston, TX

    Top 10 Cities with Oldest Homeowners

    At the other end of the spectrum are the older homebuyers. It comes to no surprise that Florida —senior citizen and retiree haven— still has older homeowners than the other states. According to a report by Lending Tree, 7 out of the 10 metro areas are from Florida, with Pennsylvania and New York State taking the remaining slots. This should push these states’ real estate investors association to target seniors in their marketing agendas.

    Here is the list of the cities with high populations of the oldest homeowners:

    1. North Port, FL
    2. Cape Coral, FL
    3. Deltona, FL
    4. Palm Bay, FL
    5. Pittsburgh, PA
    6. Scranton, PA
    7. Tampa, FL
    8. Buffalo, NY
    9. Lakeland, FL
    10.  Allentown, PA

    Old is Still Gold

    Studies show that while marketing to young and middle-aged adults is very lucrative, it is imperative that real estate investors still make an effort to include seniors in their sales programs.

    Even in their twilight years, senior citizens’ housing preferences are still dictating the housing market’s future state, as revealed on the 2018 State of Nation’s Housing Report from Harvard University. In addition, 88 percent of seniors have an intention to remain at their own home.  This trend is expected to rise, increasing the growth rate of older rental and homeowners market.

    Age-Inclusive Property Marketing

    Appealing to every age group is vital to succeeding in the housing market. In doing so, make sure that you make the right steps and allow room for calculated risks. Let an established real estate investment association like CIREIA help you in this journey. Call us at 317-670-8491, and get started on your path to property marketing success!

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