Real Estate Investor Loans – Is There Such a Thing?

Are you interested in becoming a real estate investor? If you are, do you have the cash needed on hand to start buying real estate investment properties? If you are like a good percentage of real estate investors, there is a good chance that you don’t. This doesn’t mean that you can’t get involved with real estate investing; it just means that you need financial assistance. This is where a real estate investor loan can come in.

When it comes to real estate investor loans, one of the things a person asks is “are they real; do they really exist?” There are many beginners who mistakenly believe that there is no such thing as real estate investor loans. Many, unfortunately, believe that the only types of loans associated with homes are home improvement loans and mortgages, but there is more. If you are interested in starting a career as a real estate investor, real estate investor loans may help to make your dream career because a reality for you.

As with traditional mortgages, you will find that real estate investor loans come in a number of different formats. In all honesty, the type of real estate investor loans available will all depend on who you are trying to seek assistance from. With that in mind though, many financial lenders, including banks, credit unions, and online lenders offer traditional real estate investor loans, as well as interest only real estate investor loans. What does this mean for you? This means that as a real estate investor you can not only get financial assistance for buying investment properties, but you an also, in most cases, choose how you would like to pay your loan.

When it comes to determining what type of real estate investor loan that you should have, one where you start making full payments right away or one that only requires interest payments first, it is advised that you seek professional assistance. You may want to take the time to schedule an appointment with a loan office or with a financial advisor. See, the tricky part about real estate investments is that you may not necessarily start seeing profits right away. There are some real estate investors who wait as few as a couple of years, but as long as ten or more before they start to see green. This is what can make paying full loan payments right away difficult. That is why there are many real estate investors who choose to go with interest only real estate investor loans.

Whether you are interested in making full payments right away or only start off by paying the interest, you are advised to prepare for the loan approval phase. Real estate investor loans, like all other loans, require good credit and a plan.

This is What Kids Party Games Entail

When kids come together to have a party, there is usually one favorite thing they enjoy doing and this is to play kids party games which provide them with the pleasure and fun that comes with being at a party. For this reason, many kids party games have been created to meet the ever growing demand for new and fresh ideas. There are many types of games for kids and they are played in various parties. The two main categories of games are silent and active. Silent games are also called quiet games and they do not involve a lot of activity unlike the active games. Kids love both categories of games and you can have a balance in your party. They provide a reality that children relate best to making them even healthy for them.

Kids party games can be played in many parties including birthday parties, Halloween parties, Christmas parties and the list goes on. Therefore, it is very vital to identify the kind of party you are having or attending so that you can plan for the suitable games. Games will follow certain themes and, to make the atmosphere of the party lively, the relevant games are included. The Internet has hundreds of games to choose from and you might find them overwhelming. Games that you are already familiar with are also suitable for your child. And if you are planning a birthday party, you can ask the child whether they have some games that they feel are suitable for the occasion.

Kids party games usually have a leader who steers the game on and into the right direction. The following tips will help a child become a successful leader and you as the parent can instill some of the values necessary to ensure that your child has the necessary leadership skills in this regard. Firstly, they must get the attention of the group. This means that the character of the child must be clearly seen and it might be because of how they handle things and carry themselves. They must stand where everyone can see them. A good game leader will be known by everyone. A good leader will use other adults as helpers and this will give illustrations effectively. A good game leader will make use of whatever material is available for a particular game.

A good kids party games leader will switch to another game when he or she realizes that the group is getting bored. Also, they will arrange various activities to various teams of equal strength and ability. Another thing is that they will lead the group quickly to the next item without wasting any time. The following includes some of the most popular party games for kids. Head to toe, guess what, orange 1, orange 11, king elephant, hand pat, hi Larry, Airplane Bunko, mail call, string treasure hunt and many more. When you choose the right games for your party, you will have no regrets. Make a point of trying games you are not used to and see what fun thy have to offer after all, variety is the spice of life.

Ways to Finance Investment in Real Estate in 2013

Real estate investing is a viable business that can generate income with a relatively small initial investment. The income can be either monthly income from rent, or income from significant capital gains, when a property is sold at a large profit.

Examples for investment properties include – rental houses or apartments that are rented to tenants to provide a regular cash flow; rental of vacation houses, that are often rented for a short period for a higher rent, sometimes in a seasonal manner; rental of commercial properties, for example offices, area for a gym a business or a factory provide monthly regular income; or properties that are purchased for a low price, fixed and sold for a significant profit.

Purchasing a property with a loan will allow you to start investing faster, if you don’t have the entire purchase price for the property. Additionally, it will allow you to leverage your smaller initial investment, increasing your percentage profits for your actual invested money.

Obtaining a loan from a financial institution

Loans for investment properties are more difficult to obtain than a mortgage for a primary residence. Some banks or loan brokers, however, will finance investment properties with commercial loans. The terms of the loan will often differ from the terms for a residential mortgage. Below, I’d refer to loans from commercial financial institutions as conventional loans.

The approval of conventional loan is normally determined by the following -

  1. Credit score, regular income and other assets of the borrower. These determine the ability of the borrower to pay the loan.
  2. The value and condition of the property that will use as collateral to secure the loan. This would most probably determine the amount of the loan you can secure.

Currently, smaller local banks tend to lend more than the larger banks to investor. Shopping for a loan will have you find the loan with the best terms available, as loans from different institutions differ greatly. It will also help you to find the few institutions that do lend money for investing in real estate.

Alternative financing options

  1. Line of credit from another property or a principal residence.
  2. Purchasing on land contract with seller finance, may be a viable option, if you can rent the property with a positive cash flow, or sell it for a profit.
  3. Obtaining a police loan on your life insurance is a great way to get money fast. Normally the annual interest rate is about 6%, and the only thing that would determine how much you can borrow, is the cash value of the policy. Normally, you’d get some of the interest back into your policy as dividends, so the net interest rate for this loan is actually very low.
  4. Using private lenders for a short term. Private lenders normally approve loans in a significantly shorter period than the bank, and look more at the value of the property than the credit score of the borrower. The interest rate is normally higher than that of a conventional loan and the loan is only for a short period of a few months up to a couple of years.
  5. Living in the property for 2 to 3 years before making it an investment property may allow you to get a loan for a primary residence, and still satisfy the conditions of the loan before you start renting it for a positive cash flow.