New tool helps landlords calculate cash flow property opportunities
Zillow.com has added a rent estimating feature they call “Rent Zestimates”.
“Buyers and renters are not exclusive categories — many people are considering both options when shopping for a new home,” said Zillow CEO Spencer Rascoff in a statement. “Similarly, many would-be sellers in today’s housing market are considering whether to become landlords rather than sell at a loss.”
In addition, the “Rent Zestimate” feature can help investors evaluate the cash flow potential of an investment property they are considering purchasing.
For example, one of our current listings, 9536 Richwood Lane in Port Richey, FL, is listed at $49,750. Zillow estimates the rent at $724/month. They also estimate the monthly mortgage payment, with a 10% down payment, at $387/month, including taxes and insurance. If we round the rent figure down to $700/month, this still leaves a nice $313/month positive cash flow.
So the Zillow “Rent Zestimate” is a nice feature to quickly get a rough idea of what a property would rent for, to help investors do an initial cash flow assessment of an investment property they are considering purchasing.
Leave a comment below and let us know what you think of Zillow’s new “Rent Zestimate” feature
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The Government Wants You To Buy Florida Investment Property
The Federal Housing Authority is encouraging you (and me)to buy and flip investment property in Florida.
And of course, whatever the government tells us to do, we do–right? 
According to the Los Angeles Times, the FHA has extended the suspension of the ‘anti-flipping’ rule for another year.
The article states that “For years the federal government prohibited the use of Federal Housing Administration mortgage financing by buyers purchasing homes from sellers who had owned the property for less than 90 days. The idea was to prevent speculators from defrauding the government through quick flips of houses — often involving straw buyers and corrupt appraisers — at wildly inflated prices.”
“One side effect of that policy had been to stifle purchase-and-renovate projects by legitimate, small-scale investors who buy houses after foreclosure or loan defaults and then resell them in substantially improved condition. In many parts of the country, first-time and moderate-income buyers often sought to buy these fixed-up houses using FHA-insured mortgages with 3.5% down payments, but were prevented from doing so by the “anti-flipping” rule.”
“This left large numbers of foreclosed, vacant houses sitting unsold and deteriorating, with negative effects on the values of neighboring properties.”
“Last January, FHA Commissioner David H. Stevens announced a one-year suspension of that rule, permitting qualified buyers to obtain FHA mortgages on properties that were acquired by rehabbers less than 90 days before. The plan, set to expire at the end of this month, came with safeguards for purchasers, including inspections and multiple appraisals in some cases to document the amounts spent by investors on the improvements.”
“Vicki Bott, deputy assistant secretary for single-family housing at the FHA, confirmed in an interview that the agency expects to continue the policy for another year. Not only have first-time buyers responded overwhelmingly to the opportunity to buy “turnkey” renovated homes with low down payments, she said, but they have performed well on their mortgage obligations.”
“”Obviously we have concerns about flipping in general,” Bott said, but the FHA has seen none of the fraud problems, defaults and re-foreclosures that cost the agency millions in insurance payouts in earlier years.”
Source: http://www.latimes.com/business/realestate/la-fi-harney-20110116,0,6473194.story
Apparently the federal government is realizing that the best way out of the current depressed housing market is to encourage investors to buy foreclosure property and either turn them into quality rentals (known to us investors as cash flow properties), or fix them up with the ability to sell them to new home owners quickly.
This is a win-win situation for everybody–the government, the tenants, the new home owners, and last but certainly not least–YOU, the investor!
Champion Properties of Florida finds under-valued properties, and hands them to investors like you on a silver platter. We handle all the paperwork and make all the arrangements for a smooth, hassle-free closing.
CLICK HERE to get on our VIP Buyer’s List to get first crack at our latest properties, and as a thank you we will send you “The Flipping Houses Start-Up Guide”, written by my friend Than Merrill from A and E’s “Flip This House”.
Remember the old saying, “he who hesitates is lost”. Don’t get left behind on this incredible opportunity to build wealth–get started today!
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Deal of the Week: Big 2/2/1 New Roof $39k
9020 Chantilly Lane Port Richey FL 34668 SOLD
NEW ROOF on this 2 bedroom (easy 3 bedroom) 2 bath block home. 1442 square feet, 1 car garage, newer kitchen cabinets with dishwasher, screened porch, fenced back yard, nice area.
ARV: 70,000
SALE PRICE: 39k
Check out this virtual tour of this property:
Price is net to seller, buyer pays all closing costs except pro-rated taxes. Cash or Hard Money only. 2k deposit.
Contact me to today to preview or get this great deal under contract.
727-521-5319
championpropertiesfl@gmail.com
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Now is the time to buy foreclosure property in Florida
NOW is the time to buy foreclosure property in Florida.
According to WFTV in Orlando: “The New Year may not bring an end to the foreclosure crisis for Central Florida. Experts predict even more foreclosures in 2011, and that could impact property values. One local expert said now might be the right time to enter the housing market.”
And according to information provided by LPS Applied Analytics In their December 2010 Mortgage Performance Package, released December 15th, Florida leads the nation in both foreclosure inventory percentage (13.2%) and non-current percentage (23.4%).
As the number of foreclosures grows, the rental market increases, as many of these displaced homeowners still need a place to live locally. Even with all these problems going on, Florida continues to be a popular state to live in due to the climate and lack of a state income tax.
So what does all this mean to investors? NOW is a great time to invest in residential rental property in Florida. Prices are at an incredibly low level, and an excellent rate of return can be realized.
And how do you go about finding and buying bargain properties in Florida–especially if you don’t live here?
That’s where we come in.
Champion Properties of Florida finds under-valued properties, and hands them to investors like you on a silver platter. We handle all the paperwork and make all the arrangements for a smooth, hassle-free closing.
CLICK HERE to get on our VIP Buyer’s List to get first crack at our latest properties, and as a thank you we will send you “The Flipping Houses Start-Up Guide”, written by my friend Than Merrill from A and E’s “Flip This House”.
Remember the old saying, “he who hesitates is lost”. Don’t get left behind on this incredible opportunity to build wealth–get started today!
Guest Post:Why Some Win And Some Whine
By Pre$ton Ely
“Things do come to those who wait, but only what is left behind by those that hustle”
- Abraham Lincoln
“I’ve got a need … a need..for SPEED.”
- Tom Cruise in Top Gun
Every successful person I know moves at the speed of light.
To bring the speed of light into perspective one has merely to picture me driving. No successful person in their right mind would ever ride with me physically while this is happening. They like speed, but they also like control. And when I’m driving, nobody has any of that. Myself included.
Every UN-successful person I know pretty much annoys the crap outta me. I love them; don’t get me wrong. But they are all definitely in my way. Like obstacles to dodge, weave, and leap over. I feel like the frog in that video game Frogger but perpetually stuck in that first ultra-slow level where you’re like “cmon … gimme a break. Is this a joke?”
“Why am I so brave when I’m just a little froggy?”
It’s so bad that I have to schedule 20 minutes at the end of each day just to go back and say “Im sorry” to about 16 people or so. Sometimes my leaps and weaves catch people in the eye apparently.
I know I know … I need to slow down. It’s not healthy. I’ll get an ulcer. It’s making you look bad – I get it.
But is there a chance you may need to speed it up a little?
To avoid burnout simply exercise, pray, massages, diet, and sleep 6-8 hours a night. I do all those.
If you do not have a sense of extreme urgency when you start your days, you can pretty much kiss your chances of accomplishing anything note worthy GOODBYE. Because the hustlers already snagged all the noteworthy stuff and left you with nothing but a pile of crap to sift through. I didn’t write the rules. This is just real life.
“Don’t hate the player. Hate the game.”
Ice-T, gangster rapper
“Things come to those who wait” according to Abe, but WHAT things come is a whole ‘nother quote. As a matter of fact, his quote actually is incomplete historically. The original quote read as follows …
“Lame things come to those who wait…”
I tried waiting for something once. Nothing happened. So now I hustle.
“I’m a hustler baby
I just want you to know
It aint where I been
But where I’m bout to go”
- Jay Z, another rapper (rappers are the ultimate hustlers in case you’re wondering)
A study was done on top income earners making over a quarter million a year. I forget the dude who did it. You’re just gonna have to trust me on this one.
Long story short, the study showed that the #1 factor that determined whether or not someone was successful was how fast they were.
“It’s the not the big that eat the small. It’s the fast that eat the slow.”
- Lawrence Haughton
So what determines what makes one person fast and one person slow?
First and foremost – GOD. Not much you can do about that one. He places some in families where they are hyper-controlled as children, creating a sense of inadequacy and consequently low ambition. And He places some in families where they are not guided or directed at all, producing a sense of insecurity and a therefore high level of drive in an effort to overcompensate.
You didn’t actually think you had THAT much control did you?
“Control is an illusion. Be glad you have none.”
- Larry Craab, reknowned author and psychologist
But all driven people are not necessarily cursed (blessed?) by God.
Another factor in determining why one person is fast and one is slow is BALLS. The fast hustlers of this world flat out have big brazen BALLS. They are not scared of ANYthing; not even DEATH, as is clearly illustrated by my driving and some of my braver hustler-friend’s willingness to ride shotgun with me behind the wheel. Haha. Idiots.
Those paralyzed by fear (a.k.a. “The Ballless”) are prone to la-dee-dah their way through life and catch my feet in their eyes as I leap over them at the speed of light. Deep down they’re scared of the responsibility that high levels of success brings. I can relate. I used to think the same way.
The solution is to adopt a big brazen set of balls through a quasi-dangerous mental exercise I call Ball Busting: Breaking Through The Barriers Of Being A Big Wuss-Ball.
But you’re not ready for that yet. I’ll let you know when you’re ready.
The only thing YOU need to do is calculate your current rate of life-speed, and multiply that times about a thousand or so. Freakin SPEED IT UP! Act like you care! Act like you have places to be and things to do! GROW A PAIR! I move so fast that people are absolutely petrified to tap me on the shoulder and ask me a question for fear of catching Foot Eye (as the disease is now commonly being referred to in south Tampa).
The fact of the matter is … la-dee-dah’ing your way through like is LAME. And it’s evil, and it’s WRONG. It makes people feel pity for you, and I’m not sure why you would want to make people feel that way. They don’t like it. It’s uncomfortable. It’s not the way life was meant to be lived. We are here to grow and give and dominate in every way.
So get to it.
Take speed.
All the cool kids are doing it.
© R. Preston Ely (Don’t steal my stuff.)
all rights reserved
Real Estate Investing Coach/Rockstar/Assassin R. Preston Ely publishes the critically acclaimed weekly ezine The Flip Factor. If you’re ready to jump-start your life, quit your boring job, make a bajillion dollars, and have more fun and freedom, get your FREE 7 Day Mini-Course RIGHT NOW at www.prestonely.com!
Landlord Special–Clean 3 BR in Port Richey
Here’s a house we just picked up, and fixed up. This one would make an excellent rental–2 bedroom rents in the area run $600-$700/month, 3 bedroom $700-$800/month. This one has been all cleaned up for you and is in move-in condition.
This one will be going on the MLS at a higher price this week, so if you’re interested let me know right away!
Check out the info below and contact me if you’re interested.
Your Next Investment
9536 Richwood Lane, Port Richey, FL 34668
3 bedroom, 1 bath, 1 car garage, 1176 Square Feet, living room, seperate dining room, CHA, patio, fenced back yard, quiet street, close to shopping, county water and sewer.
Sale Price: $49k
Price is net to seller, buyer pays all closing costs except pro-rated taxes. Cash or Hard Money only. 2k deposit.
We get new deals coming at us all the time–If there’s something you’re looking for specifically, just let me know!
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What’s the Market Doing Right Now?
According to the Altos Research Real Time Housing Market Update for August 2010, market conditions strongly favor the buyer, and will continue to do so for the foreseeable future.
Here’s how the report summarizes what’s happening right now:
“This month’s housing data confirms what we’ve been saying for some time: the mini-”boom” of this spring was created by seasonal demand, with some extra help from pressure to meet deadlines for capitalizing on tax credits. Now that those are gone, buyer
activity has all but come to a standstill.
Rapidly rising inventory, pricing weakness in the Altos 10-City Composite signal continued home price pressures in
August and into the fall of 2010. This month, the Altos 10-City Composite price decreased 0.63%.”
August 2010 Highlights
The Altos Research 10-City Composite Index shows that, nationally, more than ⅓ of all homes listed for sale reduced their prices in July 2010.
The Composite, which was reasonably flat in June, showed a marked decrease in July, falling more than half a percentage point (0.63%).
Inventory, across the board, is rising steadily, with 22 of 26 major markets showing increases; the sharpest inclines were in Phoenix & Washington, DC, up 5.07% and 5.67%, respectively. Inventory levels are similar to last year at this time, but were declining then and are increasing now.
Asking prices for homes fell in 19 of 26 markets tracked, with the most significant declines in Miami (3.37%), Washington, DC (4.14%), and Phoenix (5.14%).
Here are the local Tampa market trends they reported as of the end of July, (with the % change over the last 3 months):
Median Home Price: $199,927 (-1.97%)
Listing Inventory: 20,698 (+4.21%)
What does all this mean? Supply is high and demand is low-the classic buyer’s market. Take advantage of this trend while you can-nothing lasts forever!
Source: http://www.altosresearch.com/altos/Home.page
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Wholesale Case Study #1: Landau St., Holiday, FL-Part 2
Click here if you missed Part 1
So I found a property I could buy for 51% of market value–if I could close on it in 3 business days, with an out-of-state seller.
Good news/bad news.
How I Funded It
Luckily for me (and the seller), I had already developed a relationship with a Private Investor who had the cash ready to go and was very happy to let me use it to fund this deal.
This investor was just a regular guy, not in the real estate business, who had $50,000 that he did not want to risk in the stock market, or receive a ridiculously low rate of return on at his bank.
In return for the use of his immediately available cash, he received 10% interest (calculated annually), with a 3-month minimum guaranteed return. In other words, even if I flipped the house in a week, he would still receive a minimum of 3 months worth of interest for his trouble.
To secure his investment, I gave him a first mortgage on the house, and added him as additional insured on the homeowners insurance policy.
So I dumped all the paperwork on the desk of Robin, my title agent on Thursday afternoon, and told her we needed to close the following Tuesday.
Robin came through. We closed on Tuesday.
So far so good–now I had to clean the house up, find a way to sell it quickly in a down market, get my investor his money back with interest, and make a profit for myself.
How I Sold It
A few simple actions got the house looking good and ready to sell.
First, we ripped up the old, nasty carpet throughout the house, and discovered to our delight that underneath were terrazzo floors in excellent condition. We decided not to replace the carpet but just leave the light, bright terrazzo exposed. The house looked 100% better from this alone.
Beyond that, we just cleaned out a bunch of household trash from the kitchen and garage, opened all the blinds to let the sun shine in, and replaced a few light bulbs.
Now that house looked presentable, we had to attract some potential buyers.
I used the following tactics, in order:
- Contacted my “A List” buyers by phone.
- Sent an e-mail to my VIP Buyers List.
- Put a “For Sale” sign in the front yard, and another sign that said “Open Sunday 1-4″.
- Put out 8 “Bandit Signs” at nearby busy intersections.
My phone rang off the hook all week!
I pre-screened the buyers to weed out those who were not cash buyers. Once I did that, I invited the rest to drive by the property, look in the windows, and if they were still interested to meet me there Sunday between 1 and 4 PM. That way I only had to make one trip to the house to show it, plus I generated some competition among the potential buyers.
It worked like a charm. The newly cleaned-out house sold itself.
The buyer had called after seeing one of my bandit signs. She owned another rental property nearby and was looking for more.
She gladly took the house in as-is condition for my full asking price of $55,000, giving me a 10% deposit on the spot.
Her husband was out of town, so it took a couple weeks before we were able to close, which we did exactly 6 weeks and 3 days from the day I had bought the property.
The Final Numbers
I bought the property for $40,000 plus all the closing costs, and sold it about 6 weeks later for $55,000, minus my closing costs and the interest on the money I borrowed to buy the property.
The seller got $40,000, minus 2 years back property taxes, leaving her with $37,407.98 cash. She also got a very fast, hassle-free closing and never even had to leave her home in Michigan. She got rid of an unwanted headache, and replaced it with cash to help provide for her Dad’s medical and living expenses. She won.
The private investor who funded my deal got 3 months interest, based on 10%/year, even though I only had his money for 6 weeks. That amounted to $1,038.25 on the $41,530 he loaned me, so he got a check for $42,568.25, and his investment was fully secured by the property. That’s a little better than he’d get on a 3-month CD at his bank, let alone the fact that he pulled the money out after 6 weeks. He also never had to leave home. He won.
The title company made a total of $1732.45 combined on both closings in 6 weeks on one house. They won.
The buyer got a 3 bedroom, 3 bath, 2 car garage rental property, in a nice area, in move-in condition–which will bring her a positive cash flow for the rest of her life, for 70% of market value. She won.
And I made $11,026.25 for putting the whole thing together. I won.
Win-win-win-win-win.
That’s how Champion Properties rolls.
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Are you looking to buy wholesale properties or invest your hard-earned money on a safe option with great interest rates?
Champion Properties of FL LLC has the experience, know-how, and infra-structure to offer you great opportunities in your real estate investment endeavors, whether you need a new rehab project to work on, move-in ready rental property, or an alternative to investing your money.
To join our VIP Buyers List, please enter your name and e-mail over there on the right and click on the “Sign Up!” button. As a thank you, we will e-mail you a FREE, Step-By Step Real Estate Investing E-Course.
You can also contact us by e-mail at championpropertiesfl@gmail.com, or call us at
727-521-7319.
Wholesale Case Study #1: Landau St., Holiday, FL-Part 1
This is part 1 of a case study on a property I recently bought and sold in Holiday, FL.
I will go through, step by step, the details of how I found it, purchased it, funded it, rehabbed it, and sold it, in 5 1/2 weeks.
As you will see, this transaction was a win-win deal for everybody involved: the seller, the buyer, our private lender, the investor (me), and even the title company.
That’s my goal on every deal–make sure everybody wins by getting value from the transaction.
How I Found It
This lead was generated by an absentee owner postcard campaign. I sent out postcards to absentee owners of homes in Holiday, Florida, that were block houses, over 1000 square feet, and had low or no mortgage balance.
A few days after sending the postcards out, I received a call from a woman named Claudette in Michigan who said she was calling on behalf of the owner of a house in Holiday, Florida, and the owner was her father.
Her father owned a house in Holiday that had been vacant for over a year. The house had originally belonged to her grandfather, then was passed on to her father, who had become ill and was forced to move to Michigan to live with her. They wanted to sell the house and use the money for medical and living expenses for her father.
The 1245 square foot house had 3 bedrooms, 3 bathrooms, and a 2 car garage. She knew it needed updating but was not aware of any major repairs that were needed. The next door neighbor had been keeping an eye on the house, had a key, and would be able to let me in to inspect the house.
She said she had been offered $68,800 for the house a year prior, but had not been motivated to sell at that time. She acknowledged that prices had dropped since that offer was made, but did not know what the house was currently worth, and she did not have an asking price.
She said there were 2 other people interested in buying the house, and she would like me to make an offer.
How I Bought It
I told Claudette that I would look the property up on my computer and find out the exact location, recent sales in the area, tax assessed value, etc., and come up with a price range that, based on my experience and knowledge of the area, I would probably be able to pay for the property.
I went on to tell her that I couldn’t give her an exact number unless I saw the property inside and out, but there was no reason for me to go there and waste everybody’s time if we weren’t even going to be close on the price. If the initial price range seemed acceptable to her, I would make arrangements to preview the property, and at that time give her an exact price I would be willing to pay, subject to inspection.
I was also sure to tell her that I would pay cash for the property, take it in as-is condition, and could close in a few days if needed. (I would find out later it was a good thing I mentioned those things!)
She agreed to the plan, and I told her I would call her back in a day or 2 once I had all the information I needed.
When I got back to my office, I got on my computer and started my analysis. I discovered the tax-assessed value of the property was $78,311, and the after-repaired value based on MLS comps was about $73,000.
Recent cash sales in the area were mostly between $45,000 and $65,000, but all of those were less square footage, and none were 3 bedrooms with 3 baths.
I felt that if I could get the house for $40,000 or less (if it was in decent condition), I could definitely make money with it.
I called Claudette back a day later and told her that based on my analysis, I would be able to pay somewhere between $35,000 and $45,000 cash for the property, subject to actually seeing it inside and out.
She said her Dad had wanted $50,000 for it. I reminded her that the current market in Florida was very bad, one of the worst in the country, and if she held out for a higher price she might end up holding the house for many months.
She agreed, and said that my range would be acceptable, but that they wanted to get as much as they could for the property. (How unusual!)
A couple days later the neighbor let me in the house, and I discovered that on the inside it was in great shape, only needing about $3800 in repairs, with the majority of that amount consisting of new carpet.
On the outside, the roof was in fair condition, and the property had a septic system, which can be very, very costly to repair or replace if faulty.
I went home, re-checked my numbers, and called Claudette back.
I told her that the roof didn’t look too hot, and there was no telling what was going on with the septic system since the house had been vacant for over a year. I reiterated that the market was brutal and I was taking a tremendous risk buying the property at all, but was willing to take the chance.
I then told her I would pay cash for the property, take it in as-is condition, pay $36,000 for it, close as soon as the title and septic system were checked, and pay all of her closing costs.
She was very disappointed by my figure. She said that when I had given her a range of $35k to $45k, she figured I would at least be offering the hal-way point of $40,000. She said she would not sell it for less than that.
I knew the house was a great deal at $40k. But I didn’t tell her that.
Instead, I told her that would be cutting it really close for us, but I would discuss it with my partner and get back to her tomorrow.
The next day, I told her we had decided to take it. I would e-mail her a contract, which she needed to sign and email back to me. I would have the septic system inspected at my own expense, and if everything checked out we would be all set to close.
Everything worked out perfectly-the septic system was good, and the seller sent me back the signed contract, which I received on a Thursday.
Then she dropped a bomb on me.
She informed me that she was leaving on a month-long vacation the following Wednesday, so we would need to do a remote closing in Michigan and wire her the money by Tuesday.
That gave us Friday, the weekend, Monday and Tuesday to get the title work done, documents drawn up, money into escrow, documents Fed-Exed back and forth with no mistakes, and money wired to her account. Or wait a month, and risk losing the deal.
Ahhh, the excitement of real estate investing………
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(To be continued)
Copyright © 2010 by Dave Durell. All rights reserved worldwide.
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What Makes Bank Owned Foreclosures One of the Most Favored Real Estate Investments?
In the current times, the real estate market is seeing some interesting new trends with home buyers favoring bank owned foreclosures over standard properties on sale. One of the major reasons for this shift is the plummeting values of foreclosed properties which are hovering around nearly half of their actual market prices. Other aspects that have made bank owned foreclosures highly favorable amongst home buyers is their wide range of housing options, modest asking prices, safe transaction procedure, easy loan facilities and higher chances of negotiation.
Bank owned foreclosures are also known as REO properties and have gradually become one of the best investment options in today’s real estate market. At present these properties are mostly attracting first time home buyers who have been encouraged by their heavy discounts as well as several incentives for buyers. As foreclosures have swept throughout the country it has resulted in a large number of high end houses being reclaimed by banks over the past few months including top residential communities of Florida, Miami, Arizona and California. As the banks are very keen on recovering their losses they are putting up these houses at heavy discounts in order to attract buyers and clean their inventories.
Another major reason for the popularity of REO properties is the availability of a wide range of housing options under these foreclosures. Home buyers can take their pick from a multitude of modestly priced small homes and condominiums, to three bedroom family apartments and penthouses. The fact that these properties are located in some of the prime residential communities in the country has made them a very lucrative investment on the whole.
When it comes to bank owned foreclosures, they make for a very safe and sound real estate investment as all the properties reclaimed by the banks are cleared of liens and back taxes before being put in the market for sale. The buying process is also very transparent and ensures the home buyers a risk free investment. While most banks sell their foreclosed properties through real estate agents some of them also put them out for sale through auctions which are also a great platform to find and bid for some great bargain deals.
Apart from offering heavy rebates on REO properties, these banks are also helping home buyers in picking up suitable foreclosed homes through easily available bank loans. The housing loans have special schemes for buyers of foreclosed properties and are being floated at very low interest rates. Moreover the loans are also flexible which will help the buyers in making any modifications in the repayment plan in future. With the great price and housing features being offered by bank owned foreclosures it is no wonder that they have become one of the most favored real estate ventures in the present times.
Fiona Livnat is an author with expertise in real estate foreclosures. She has over ten years of experience in writing about bank owned foreclosures. Her commitment to help people is reflected in her writing. For more details please visit http://www.foreclosureconnections.com/
Article Source: http://EzineArticles.com/?expert=Fiona_Livnat
Champion Properties specializes in buying cheap REO’s, cleaning them up and passing them on to our VIP buyers.
To join our VIP buyer’s list, CLICK HERE
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