Posts Tagged ‘Property Investment’

Being one of the closest countries to the UK, France has always dazed the British property investors in every sense of the term. Historically, culturally, and politically, France has always lured investors from all over the world with its prized natural possessions spread across the country.

The nation better known as the love capital of the world has several things in its favour, which make it the much-desired property investment destination in the world today. As they say, there’s something about Paris that keeps you hooked on the nation’s capital. Perhaps, there’s no better place to spend a romantic break than in the city of the lovers.

Property Market in France

After experiencing a recent lean patch, the property market in France is once again in favour with the British investor. As one of the most sought-after destination for commercial and industrial powerhouses, the country has always remained one of the best investments for business and commerical property.

Paris is also one of the hottest fashion destinations in the world and as such property in the capital city definitely commands a premium. Indeed, according to a recent survey, Paris has become out of bounds for the average property investor. But small investors need not worry as they can still find suitably priced properties throughout the picturesque French countryside and coastal towns.

Since the property market is going through a transition phase in France, an intelligent investor can strike an interesting deal even in some of the major towns and cities of the country. To give you a price indicator, you can grab apartments in Languedoc Roussillon starting from GBP 40K. But you’ll still need to spend in the upward range of 50K+ for a decent flat in the Var region of Provence . However, closer to Paris, you can lay your hands on comfy apartments in Ile De France for a little over 40K. Alternatively you could consider a mobile home in France starting from 13K already sited.

Coming back to the alternatives to Paris, prospective investors are well advised not to just hook on to the capital city, as there are lots of other cheaper and viable options available all around the countryside. The country cottages in the rural settings, or ski chalets in the mountains are an immediate turn-on for the tourists, and offer the best investment if you are looking for a steady regular rental income from your property investments in France.

Even other prominent areas, like the Cote d’Azur are getting increasingly out-of-bounds for the average property buyer. Similarly, the cities along the French Riviera, considered as the millionaire’s playground, are just too expensive for an average property investor. However, if you are an above-average investor, then these places should be an automatic choice for any kind of investment.

Overall, the natural choice of property investment in France include the resort properties all along the coast, the Alps, residential property, apartments, villas, and mansions in major cities, like Paris, Toulouse, Monte Carlo, and Nice – and business and commercial property in and around the capital city of Paris.

And here is a tip for any prospective property investor looking to buy a property in France. The majority of French nationals speak and understand only French. So, it’s an added advantage if you polish up on your French before investing in the country.

Why the British love buying property in France

Though France attracts investments from all across the world, it holds a special place of pride among the British property investor. Here are some of the reasons for this favourable trend -

- Both the country’s are founding members of EU and enjoy considerable mutual goodwill among the people.

- Regular flights from low cost airlines between the two countries makes the countries easily accessible.

- Who can overlook the undersea road tunnel the Channel Tunnel that runs between the two countries and the Eurostar high-speed rail system?

- France offers the closest and one of the globally recognised holiday destinations in the world for the British with coastal and mountainous resorts beckoning the property investor from all walks of life into France.

- French food and wine (not to mention Champagne!) is just too good to resist.

- French Leaseback Property option is a great incentive for the British investor to cash in on the property boom in the country.

- France offers better rates of returns on real estate property both for short-term and long-term investors. All it requires is the fulfilment of certain legalities and you are the proud owner of a French property.

- France is a fashion powerhouse and offers one of the best standards of living in the modern world.

- Regular tourist influx to boost rental income from the property.

For many Americans, buying their home is an indication of being successful or already trying to start in that direction. It is one single largest purchase an individual could make in his or her entire life.

Ironically Property foreclosures can help you get there. When you purchase a house or a real estate property, it means that you have taken a loan to buy that property. Avoid property foreclosures to stay in the game- of being successful. A financial wellness is also good for your health.

The lender which normally a financial institution, will keep the title to the home as collateral for the mortgage loan. Whenever a homeowner cannot pay their monthly mortgage payments, the lender will take hold of ownership to the title of the property. This is what they called property foreclosure. In other words the ownership of the property is transferred to the lender. Buying foreclosed properties for investment is sometimes called like playing the Russian roulette. It has its own risk.

When the banks foreclosed properties, they have to determine if there is any other lien on the house. Once the bank has determined that the house is clean and no other liens and charges, they will go ahead and add all other fees and charges. The total cost when they resell the house would include the added fees and charges they have calculated. The reason the banks or lenders foreclosed and resell the property foreclosures is to recoup their money.

Buying property foreclosures has a lot of benefits and advantages. The one that stand out as benefit is the fact that these properties are already clear of any lien and charges. Thereby, the lenders have absolute title and ownership to the property. This will save you the hassle of doing a research on the house. The next benefit or advantage is that the bank is not out to make a bunch of profit by reselling it, they just want their money back. That is why these properties are well discounted-30 50 percent less.

When buying a foreclosed property, you must have done a thorough investigation of the home to avoid a lemon home. Collecting information on the property is a must. For a neophyte, buying property foreclosures is kind of a risky business. You will need the expertise of a seasoned broker or agent to guide you. One of the best ways to collect information on the real estate properties is to go online and search these property foreclosures.

The reason you have to collect information is for you to understand and know the specific laws and regulations in every state. Not all states have the same real estate laws. By doing this, you covering all the bases and thus avoid some of the pitfalls.

When collecting information, always check for title insurance, foreclosure laws in your state, bidding at auctions, the construction, septic systems, etc.

As in all type of investments, buying property foreclosures is not easy as you may think. Approach this type of investment with caution and care and avoid losing money and hurting yourself.

Buying a commercial property as an investment is not something for the novice or unwary. The market is primarily made of up of professional investors who have money to spare. In many cases commercial properties go for more than residential property. You could end up with a greater profit, but it can also be more risky.

The wide majority of these properties that come up for an auction in U.K. are handled by six auction houses. If this is the market you want to enter, you need to be very rigorous in doing your homework initially in order to compete against the pros. Even before you have a look at properties, be present at several auctions to understand how it works and acquire a feel for them. You will be going up against skilled people when you lastly bid, so be prepared.

Chances are that first you will hear of an existing property is when the auction is announced. Visit the site – never ever bid on anything that you haven’t inspected. You’ll require having a surveyor with you – and you should pay him from your own pocket. Although a physical inspection is just only a part of your preparation. You also require a solicitor to look at the legalities of the property. How to use it? What are the overall plans for this area? These are the most important factors that can decide whether you still want to consider bidding. Again, you need to pay the solicitor’s fees yourself.

Location must be the next major item on your list. How can you access to the site? Are the roads in good condition? Again, what are plans for the area? Whether it is retail or commercial? At times these can affect a property’s price. Next what is the market value? What could you expect in the way of rents and tenants? Think much about all this first. Before starting for an auction, you’ll need to have your finance in order. With commercial properties, this would generally be a line of credit from a bank or any other financial institution, than a mortgage as you find it with residential property. Do not overstretch yourself. It’s better to be realistic, definitely at first, than over ambitious.

You need to register to bid, and confirm that you have financing in place prior to you bid on a property. The chances are that you may not win the first couple of times when you bid on a property, which leaves you out of pocket for the solicitor and the surveyor. But it is just part of the game. Don’t be the foremost to offer a bid; if no one else bids, the auctioneer would lower the starting price. Above all, avoid bidding more than you can afford. Set a limit and fix to it. To go over again can be a recipe for disaster. If you succeed the auction; you’ll be expected to display your proof of financing and exchange contracts. Always you will be expected to pay in full within 28 days. Failure to do so could bring a breach of contract suit. In addition, you’ll be liable for any difference between the price that you offered and what the property brings when it’s re-sold.

The property markets of Cyprus and Turkey are emerging as attractive destinations for savvy investors. While Turkey is expected to join European Union by 2015, Cyprus is already a member of EU and recently transitioned to Euro. Turkey has a GDP growth of 8%, one of the highest growth rates in tourism, cheap labor and low cost of housing in comparison to other European countries. The property market in Cyprus is becoming extremely popular among large corporations and individuals from European countries. In addition to its exotic location and pleasant weather, investment in property has numerous incentives in both Turkey and Cyprus. Investors in the property markets benefit from strong rental yields as well as stunning long term capital appreciation.

The Turkey Property market is witnessing a growing demand for buy-to-let property. While letting out property in peak season for short term fetches high income, you should consider the increased property management and maintenance cost. On the other hand long-term rental which has lower monthly rental has low overhead and maintenance cost. The choice depends on location of the property and the investment goals. In order to maximize rental yield from any property investment the location of the property becomes of prime importance.

Buying an “Off Plan Property” is an attractive option in Turkey but it is best to do this with experience or expert advice. Such properties generally offer a discount for the early bird and needs as low as 25% to 30% of the value to be deposited initially, and the remainder either paid at stages through the project or in some cases on completion of the development. As the project nears completion price appreciates and the investment grows. If a Turkish property is bought before 1.1.07 and sold within 4 years of the acquisition date, the difference between selling and acquisition price (adjusted for inflation) is liable for CGT (Capital Gain Tax) with exemption of TL 7600. However, firms paying corporate tax, that have owned a property for at least two years can claim exemption relating to real estate gains if they add the gains to their capital.

Cyprus has low cost of living. A retired couple can live active social life, with a car for CY£10,000 – 12,000 per year, provided they have no mortgage. After allowing annual initial tax exempt of CY£2,000, pensions from abroad are taxed at a flat rate 5%. Cyprus is considered as tax efficient location with local and international companies taxed at 10% corporation tax and employees of both types benefit from first CY£9,000 tax exempt. Depending on age and long term income, bank loans are available for 60-80% of the value of the property.

The necessary stamp duty, transfer fee, immovable property tax and insurance should be cleared and paid when purchasing a property in Cyprus. In addition to this relevant utilities and municipal levies need to be paid at regular intervals throughout the year. A sale of property is liable for Capital Gain Tax (CGT) in Cyprus. After allowing an exemption of CY£10,000 per person and adjusting the purchase price with inflation, CGT is charged at 20%. However if the seller can prove that it has been his primary residence for last five years exemption up to CY£50,000 in total is allowed.

If you really interested in investing on the real estate market, then the best thing to do is find discount property offers. However, there are many resources out there and for someone who is a first-timer the avalanche of information can be quite burdening. Don’t fret, as you have professional ready to help you discover interesting facts about property investment. You can start by joining a property club and checking out the offers they send to you!

How does being a member of a property investment club work out for you? It’s simple. You are a member; they send a list of discount property offers to you. You look at what they have to present and decide whether you are interested in investing or not. There is nothing to lose and you can definitely find some pretty interesting properties sold below market value. These companies have extensive experience on the real estate market and they can definitely discover many exciting offers. It depends on you if you want to jump in the offers.

Property investment requires experience and a fairly good knowledge of the real estate market. You cannot jump on the first opportunity that you come across, hoping that it will be a success in the near future. This is where a company that specializes in offering discount property comes in. They have realistic expectations and know how to choose the right properties for investing. The years of experience ensures their credibility, making all of their clients perfectly satisfied with the listings sent to them.

Even if a discount property is found, there are many things to take into consideration before investing. As property investment is their main area of expertise, these guys will do all the research for you and present with important information about things like financing and development. They will take care of you and your needs, offering discount property listings on a regular basis. All you have to do is look at the overseas properties they send and pick out your favorites. They deal a lot with emerging real estate markets and this is why you will probably notice that there are lots of properties in tourist areas. These guarantee a great return investment.

What you have to understand about a company that specializes in property investment is that they do not offer unrealistic opportunities. They base their offerings on careful and extensive research, guaranteeing profit for discount property at all times. These properties are sold below market value at impressive discounts, as they have been in distress for some time now or repossessed by the bank. There are many benefits when it comes to working with such a professional company and you will have to discover them as each day passes.

Deciding to enter the world of property investment is a big thing to consider. However, taking into consideration the benefits offered, it seems to be worth it. You can easily become the owner of a discount property that is located overseas and start cashing in the profit. Finding a professional company is only the first step and you have to continue by checking their offers on a regular basis, deciding which properties are more suitable for your investment needs!

Resource box: If you are looking for property investment, then you are in the right place. Become a member today and you will receive discount property offers on your email every day. Are you ready to start investing?

Whether you are an experienced property investor or are searching to get a first stair on the property investment ladder, a unique approach to help you develop or start your investment property portfolio. Online property investment guides you to buy, to let and provides its clients a trouble free approach to property investment by offering an innovative Buy Already Let property acquisition service. Property investment can provide a colossal sense of contentment that you simply cannot find with other forms of investment. Property investment is now becoming a far more mainstream investment vehicle, straightforward to investors with the knowledge and foresight to spot lucrative investments before the competition can. Yet whilst they stay on relatively open and accessible, the road to successful property investment and land investment is scattered with those who have made a multitude of investment and other mistakes and paid the price.

So online firms are there to help you recognize your dreams of property investment, find the right investment opportunities and keep away the drawbacks along the way. By maintaining up-to-date with the latest news and articles featured on the many websites, you will gain the skills compulsory to make a benefit from your investment. If you have priority made property investment or know someone that has, you will know how hectic and nerve-wracking the process can be. Estimating the Cost measure of any decision you make is perilous- to assure you make the best choices to maximize your profits, long term earnings.

While most investors have got engaged in property investing because they know the chances to make money via leverage and capital growth or high yields, I still see and hear of many who do not fully understand opportunity cost. “Opportunity cost is a term used in economics, to mean the cost of something in terms of an opportunity predetermined (and the profits that could be received from that opportunity), or the most valuable foregone alternative. So in property investing issues, if an investor plans to invest in a property in the opportunity cost would be what he could have made by investing in Spain, France or UK. Analogously if an investor chooses to keep equity of 50k in a property, the opportunity cost is what he/she could replaceable have invested this money in and the resultant value.

Now again this will depend on your particular strategy – and many people are not too affected about opportunity cost, they are just keen to buy 1-2 properties that can hold onto for 15-25 years to use as a pension. All discriminating property investors understand the importance of taking advantage of the most cost-effective property investment opportunities as soon as they arise, before they become common knowledge.

Bankso property has always been beautiful and popular among those that are native to Bulgaria but in recent years Bankso property is getting more and more attention from people that have never even been to Bulgaria. Bankso property offers a little bit of everything and perhaps that is part of the appeal. Many look for Bankso property because they can buy residential homes, commercial properties, as well as vacation type Bankso property that is perfect for any use.

Bankso property is very popular in recent months and years because the government is now actively promoting Bankso property as well as property all over the country. The government believes that selling Bankso property to foreign investors will help to improve the economy as well as help increase the value of the land. So far it has proven to be a correct assumption as Bansko property is selling off, the economy is better than ever, and property values are already rising.

While much of the Bankso property that is listed in already developed there is a lot of Bankso property that has not been developed. This is the perfect Bankso property for you if you are looking to develop your own land, building hotels, motels, luxury style vacation homes, or even commercial or retail space. There is plenty of Bankso property left to do all of these things if you would rather develop your own Bankso property, you just have to know where to build to get the biggest bang for your buck.

When you are thinking of buying Bansko property you always need to have tourism in mind if you are buying Bankso property for investment. Tourism is the ticket to success when you buy Bankso property in hopes of renting it out or eventually selling it to other people. Tourism is the industry in Bankso, so that is why every Bankso property owner has to be aware of tourism and how their Bankso property could positively or negatively impact tourists.

If you aren’t sure how to go about buying a Bankso property you should definitely do some reading about the country, about investing, and anything else you can get your hands on concerning Bankso property. There is a lot you can learn from Bankso property literature. You may also want to hook up with other investors that have experience with Bankso property because they can give you specific advice about investing in Bansko property. When you hook up with other Bankso property investors you can learn from their mistakes and really catapult yourself and your investment abilities based on what you have learned from others.

Another great idea when you are looking into a Bankso property is to get in touch with a realtor. Many local realtors can help you find a Bankso property that is just right for your needs, is in a good location, and will fit your budget. Surprisingly, there seems to be a Bankso property out there for everyone. Are you ready to find your Bansko property?

European properties in countries like Spain and France are proving to be great prospects for property investing owing to the current positive outlook provided by their business environment. There are properties available for sale in various European countries. The technological advances of modern living have made it possible for international property investors to see and buy property in Europe online without having to leave their own countries. The accomodating stance that these European governments have approached the property investing market has likewise made international propert investing more convenient for anyone who has the resources to invest from anywhere in the world.

Anyone can buy property in Europe online. There are a number of sites that offer listings of these international properties for anyone who wishes to buy a European property online to see. They even offer other services as mortgages and financing options, buying guides, insurance quotes, and tax consultations. There are a lot of resources for those who want to buy property in Europe online. Most of these sites work with reputable brokerages and agencies all over the world to provide their customers with the kind of property they need at the best price possible. Anyone looking to buy a European property online can search through websites for more information about properties for sale in Spain, France, Italy, Greece, and Portugal among others.

There is a lot of money to be made whether you choose to buy property in Europe online or otherwise. These properties can be used to provide a quick way to make a profit or to generate a regular income for the property investor. By looking of properties that are selling for a lot less than market value, a property investor can make quick money by selling the property to another person at market value or higher. You can scout for great deals on properties selling below market values when you buy property in Europe online.

As European countries are very popular tourist and retirement destinations, the prospects of buying a property to let for a certain period is generally positive. Most people in these European countries are more inclined to let rather than to buy their own properties. It is not uncommon to hear of rental contracts that lock the renter in for a certain number of years, usually three. There are also those people who are looking for a place to stay in Europe while vacationing. Buying a European property and letting it out either as a vacation home or on a three-year lease could be a great source of income for the international property investor.

Keeping the current economic uncertainty and rise in the unemployment rate, property investment seems to be a better choice. Properties go down in value during economic recession and rise in value at a swift rate once the recession is over. If anyone is thinking about investing in real estate, there cannot be any better time than now.

With the increase of buy to let properties and the hype in the property investing market, often an investment property is confused with a simple property trade deal or speculation.

Often any property purchased is viewed as an asset and therefore called an investment property. That is true in the wide sense of a discussion. However, a property for investment is not any property purchased just because it is viewed as an asset.

Purchasing a property that is not a primary dwelling or holiday home, can be generalized in 3 main categories:

1. Resale – For the purpose of selling for profit (often called a “flip”)

2. Fix / Renovate – For the purpose of renovating and reselling for profit (often called a property trade).

3. Letting – For the purpose of letting to a tenant and generating income for the long term (often called buy to let property).

Those are the major categories. However, not all of them are investment properties.

In the first case, when one buys a property to resell, it would be considered a speculation or a trade. In terms of income, on a short term deal of reselling a property, even the tax man will ask for income tax instead of capital gains tax (CGT). Therefore, it is not an investment property, it is simply a trade and the property is “stock” just like apples and pears that are sold at the market.

In the second case, when one finds a property that needs renovations, fixes the property and then resells the property, it is also a trade. The holding period is short term and the tax man again will ask for income tax not CGT. Therefore, this category is also not an investment property but rather a trade. The renovations Option varies significantly in strategy from the speculation, as in this case the “stock” which is the property was bought at low value, increased in value by the renovations and sold for its new value. In a speculation the speculator only waits for a period of time for the market to move up in price, and resells without doing anything to the property to increase the value.

In the third case, when one buys a property to let the property to tenants for the long term and earns income from it – it is an investment property.

This is where the confusion occurs.

The speculator often does rent out the property to tenants, to reduce the Mortgage Bond payments, (often called shortfalls). The letting out of a property for the short term to resell later for profit confuses the term investment property with speculating and trading.

Just because the property is let to a tenant for a period of time, this does not make the property an investment property. The long term holding of the property will determine if the property was bought for investment or only for speculating and stock trading.

The last resource of clarification is SARS. Every sale of property has to attract some tax, either CGT (capital gains tax) or income tax. SARS guidelines make this issue very clear.

Emerging Cape Verde property market has been in conjunction with growing visitors to the tropical island with surfing and year round sunshine. Infrastructure expansion is greatly planned with an international airport, 4 or more tourist designated islands, road networks and inward investment relaxation of rules to accommodate foreign property buying. Cape Verde government is keen to attract many visitors on prolonged stays and as tourists to the number of islands earmarked for tourist development. Good returns for property developers that wish to build houses and apartments for holiday rentals to sell on or sit back and take high rental yields. Of course tax is due on rental profits, although substantial incomes can be made investing in the right property or land for development. Risk is always present buying property in an emerging market, although Cape Verde seems very promising as a long term property investment proposition.

Buying Process Cape Verde Property

Search for property and putting in an offer is the first stage of property buying. Estate agents and property developers can help with land and buildings for sale or you can locate property for sale on many websites and deal direct with owners and house builders and save money in the buying process. Good idea to conduct searches on the local area and property through Land Charge searches at the Municipal Authority and Land Registry Offices in Cape Verde. Searches here will provide a lot of information on the property:

– Debt attached to the property. Check to see all taxes, utilities is paid on the property as the new owner would inherit all financial liabilities.

– Restrictions on the property, property transfer and title.

– Valid habitation permit that goes with a valid conveyance of the property.

– Land register certificate “Certidao do Registo Predial”.

– Map location of the property “Planta de Localizacao”.

– Tax information on the property “Certidao Matricial”.

Retain the services of a good lawyer who will arrange for the initial contract to be signed and agreed by both parties in property buying, and all other legal matters. Of course have a lawyer check all the details above and if the property is registered and in the sellers name and has the right to sell the property.

– Get hold of a tax card that is required when buying property and paying taxation due.

When signing the initial contract in the lawyers or builders (Promissory Contract of Purchase and Sale “Contrato Promessa de Compra e Venda”) office a deposit is due and the contract is binding, meaning you must buy the property and the sellers must sell you the property. Contracts are as mentioned signed in a lawyer’s office known as a Notary Public in Cape Verde.

When you have completed all the searches on the property and your lawyer says that everything is no problems with the property and the survey check on the property is all clear the final contact will require to be signed. Escritura is the final deed of conveyance that gets signed in a Notary Public in Cape Verde and provides the buyer of the property a document proving they are the rightful owner of the property. The Notary will register the title deed with the local land Registry and local Municipal Authority enabling enforceable title, also your lawyer can register the property. Final balance due on the property is due at this point.

Notary, lawyer, survey fees are also due, and stamp duty at present 2.5% of the final property buying price, all which are payable at the time of the final contract signing.

– Taxes are payable, please remember. Capital gains taxation when buying land for building is payable at different rates according to the sales price of the end user of the property. Sales vales in excess of 100% of purchase price of the land are then due, with other capital gains tax levels due if the increase in selling price is 30% or more.

– Transfer tax at 3% payable at the final contract signing stage.

– Annual taxes are due at present in excess of 3% per annum.

– Capital gains tax is also payable at 3% presently for the property and a “Declaracao de Mais Vallis” Capital Gains Tax Statement is also required to be sent to the Cape Verde Government within 30 days of the deed being issued.

– Gifts of property or property transferred to anyone including family members are taxable at 3% transfer at present.

Investing in commercial property is a great way to invest your money. There are many alternatives to investing in commercial property which makes it good for every type of investor to get involved.

So what are the options available for those interested in commercial property?

Some of the options you may already know exist, lets look at some,

Listed property trust is the simplest way to invest in commercial property, all you have to do is open an account with a stockbroker, deposit some money and then place an order. Listed property trust can be found on the stock -market, they invest in a wide range of commercial property i.e main office buildings, shopping centres, as well as industrial and leisure properties.

The trust manager chooses properties and is responsible for the maintenance, renovation, and for collecting rentals.

Property securities are managed funds which invest in a list of property trusts. This option is very good for somebody who is unsure which trust is appropriate. Purchase is through a prospectus.

Another simple way to invest is public property syndicates , with application via a prospectus. The downfall is they require a large minimum outlay and you are locked into the investment for the duration of syndicate unless you can find someone to buy the investment from you.

If you have research the market and have some acquired knowledge then direct property investment could be for you. You can also buy direct property through a private property syndicate.

Mortgage funds are managed funds that lend money over property. The investor will be offered security and returns that are a little higher than a bank term deposit but there are no capital gains.

Commercial property is thought of as office, retail and industrial but as an investor you need to be aware of the many options available to you. Health care, child care and retirement properties are great examples, also parking lots , storage facilities.

An article read “Americans regard self storage as an absolute blue chip investment and is considered the safest real estate based investment in the United States”

So when is the right time to invest in commercial property?

If you are a participant in the share market you would be aware of the “investment clock”, which its purpose is to show how the economic cycle works.

An overheating economy is followed by higher interest rates and falling share prices, when the economy declines so does interest rates and shares begin to raise again.

Here is a guide to the way commercial property could fit with the economy;

The economy starts to slow. Direct properties stop raising and may even decline. The authorities inject liquidity into the economy. The stock market and listed property trusts rise. The economy begins to rise. Direct property begins to rise Inflation may also rise and interest rates rise The stock market and listed property trusts fall.

American research has identified four phases based on economic and supply and demand.

Phase One is when the market is generally in a condition of oversupply, due to a weak economy and too much construction from when the economy was strong. This is the bottom of the cycle.Vacancy rates will be high and rents would be falling. During this period new construction will cease, while demand slowly starts to grow again.

During phase two new spaces will continue to grow, there will be very little construction and rents rise sometimes sharply. This will cause developers once again initiating the construction of new buildings until there is an equilibrium between supply and demand.

In phase three demand continues to grow and supply grows faster. Rental growth could slow down.

The final phase brings the market to a point of oversupply, due to over – building, with the condition aggravated by the economy weakening.

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We buy motivated seller homes and flip the homes to our real estate investor list.

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There are a wide range of opportunities for buying investment property which should satisfy anyone looking to make an investment in property.

When buying investment property you could buy a second home or holiday cottage. This you can rent out throughout the year – albeit with some blank periods – and at the same time watch the value of the property rise over a number of years. You could also use the property yourself for a holiday when it’s not being rented out by other holidaymakers.

An increasingly popular method of buying investment property over recent years has been to invest in buy-to-let properties. These are properties in towns or cities and rented by locals who can’t afford to or don’t want to buy their own property to live in. As a buy-to-let landlord you hope to maximise your rental income by renting out the property for large chunks of time at once – a minimum of six months, and you hope for much longer. Your rental income should cover your mortgage outgoings and other expenses to bring you a net income, and, of course, the property should go up in value over a reasonable number of years.

Popularised by a number of television programmes, buying investment property that is need of renovation or redevelopment has also become a well-known way to make money in recent years. The theory here is that you buy a property in need of repair or modernisation, do it up, dress it up and sell it on for a nice profit. The dangers are that your renovation budget will be stretched so much that it will eat into your profits, and the time taken will also be “dead” time when you still have to make mortgage repayments on the property with no income from a tenant.

Another way of buying investment property is to buy off-plan.

This is where you literally buy a property from a plan, before it is finished, possibly before it’s even been started. You would look for healthy discount on the purchase price so that you can maximise your profits when you sell on. Buying investment property off-plan overseas has also become popular as the initial investment is often a lot less, though the purchase process can be more complicated.

Investing in commercial property is another way of buying investment property, where you buy a property and rent it out to local business. Such premises can include offices, shops, warehouses, factories. Commercial tenants tend to less hassle than residential tenants, and they stay longer and review rents more often.Buying investment property can also involve buying a business with the property. For example, when you buy a bed and breakfast property or even a hotel, you are buying the property and the business that goes with it. You might end up with a bigger property than in other circumstances but, of course, you will have to share it with other people.

Another way of buying investment property is to buy freeholds of large buildings divided into units. These can be cheaper than other property, but might only yield smaller ground rent from leaseholders.

When you buy at auction you are buying investment property at a cheaper price than when sold at an estate agents – or at least you hope you are. You may end up with a bargain, and the process is quicker, but the adrenalin of the auction room can tempt you to go beyond your limit. This is not for the faint of heart, and experience can teach you a lot.

Whatever way you decide to go about buying investment property, you should understand your reasons for doing it, and be clear about what you want to achieve. Indeed, with some of these options, be aware of what you’re getting into.

Overseas property buyers have two choices when investing in a property – either buying off-plan property or buying a second sale property. Buying off-plan property means a purchaser is buying a building, such as a villa or an apartment, while it is still in the design stage on paper, and it is a popular choice with many property purchasers.

Buying off-plan property abroad is presently being regarded as the new ‘quick money idea’ as it is becoming ever more possible for ordinary people to own international property without being millionaires. Investors often use their overseas property as a source of rental income, and terminologies like ‘buy-to-let’ and ‘jet-to-let’ are being framed to describe this new phenomenon. In doing so this has helped many property investors with their ‘not so secure bank balances’ due to the present economic climate that has affected many countries in the world

In the UK alone, during the last five years, buying off-plan property abroad has become a sort of national fixation. It has been observed that the British prefer to buy off-plan properties to resale properties. Buying off-plan property abroad is a trend that has acquired a band of loyal followers, and everyday, the number of these followers keeps on increasing. The internet is a starting point for the search of the ideal off-plan property, and novice investors are making a beeline for the emerging property markets, such as Dubai.

Statistics have brought to light the fact that Britons purchased 1,000 homes a week in foreign lands, with Spain being the most-preferred destination accounting for about 80% of sales. Spain with its 300 days a year of sunshine, good quality infrastructure and lower cost of living is indeed one of the most ideal country’s for property investment. There is also Brazil that has some of the best beaches in the world and is now being touted as the ‘next-preferred’ destination by investors. Bulgaria has outstanding properties which are priced reasonably. Investors who were wise enough to foresee the developments in the real estate business were quick enough to pick on Latvia as the upcoming holiday destination. Those who invested in Latvian property now stand to enjoy profit as the real estate price increases by 3-5% per month in certain areas of the country.

There are more people who would prefer to buy off-plan property then there are resale property buyers, and not only because the buyers would like to own a new property rather than an old one. Off-plan property investors have a wider choice as there are number of projects going on at any given time. Some developers even offer a payment concession, and investors get a chance to make certain minor alterations in their chosen off-plan property as per their individual needs.

Buying off-plan property abroad does take some ground work. It is vital to work out the budget, and more specifically the upper price limit. Investors need to consider the conditions of the local market, and it is necessary to look for an off-plan property that is in a popular area with a strong resale market. The overall development of a town or city will also have to be taken into account while selecting a property. Last but not least, the local law vis-à-vis the international buyers needs to be considered as different countries have different laws and rules regarding the sale of property to foreigners. Therefore it is advisable to seek the advice of a property expert when buying off-plan property abroad as they would be well versed with the nuances of the property market.

Trying to find a good Property Investing course that you can trust can be a very hard task. There are many different kinds of Property Investing courses – Seminars, Property Sourcing, Real Estate Investing Coaching, Home studies plus many more. The first decision you need to make is “What kind of Property Investing Course do I want to do”.

What kind of property investing course you decide to do will depend on where you are currently at in your Property Investing career. Someone who already owns 10 properties will probably be looking for something different than somebody who is just beginning their property investment journey.

The main point that separates most property investing courses is this

- Some property investing courses offer you a step by step education or guide on ‘how to invest in property. Then after you finish the property investing course it is up to you to act upon this new found knowledge and put it into action.

- Other property investing courses will be much more ‘one and one’ and literally hold you’re hand as you go through the process of buying your investment property. Generally these courses will actually ‘source’ the property for you.

So which Property Investing Course Should you choose?

The Education and do it yourself approach

Or the

Let the Professionals make the decisions and hold my hand approach

There is no right or wrong answer here; it simply depends on your individual situation.

Let have a look at some of the positive and negative aspects of these two different types of property investing course.

The Education and do it yourself approach

This style of property investing course suits people who have the desire (and the time) to become long term professional investors. At times this strategy will be hard and you may even feel like giving up but if you choose a good course then you should feel supported enough to be able to put their instructions into action. The main benefit of this type of course is that once you have learnt, understood and implemented the information you will forever have these skills at your disposal.

The best thing about most of these property investing courses is that that nearly all offer 100% money back guarantee. This gives you a no risk option to try the course and if it lives up to expectations then you can decide to keep it.

Let the Professionals make the decisions and hold my hand approach

This style of property investing course suits a number of different people. If you don’t have enough time or simply aren’t interested in learning how to invest in property but want the results then some of these courses can be great. Or if you would like to become a professional investor but feel like you need a helping hand with the first one or two properties that you buy – just to make sure that you are doing everything right.

Generally property investment courses that include property sourcing will cost slightly more than a course that only offers an education.

So what type of person are you? Remember that there is no right or wrong answer; you simply need to find the property investing course that best suits your needs. The most important thing is that you actually take some action and begin your property investing journey. If you are yet to buy an investment property then it may currently feel like an impossible dream but believe me – once you start increasing your knowledge you will be surprised at how fast you are able to start creating a property portfolio.

Property appraisal or property valuation is the process of determining the value of the property on the basis of the highest and the best use of real property (which basically translates into determining the fair market value of the property). The person who performs this property appraisal exercise is called the property appraiser or property valuation surveyor. The value as determined by property appraisal is the fair market value. The property appraisal is done using various methods and the property appraisal values the property as different for difference purposes e.g. the property appraisal might assign 2 different values to the same property (Improved value and vacant value) and again the same/similar property might be assigned different values in a residential zone and a commercial zone. However, the value assigned as a result of property appraisal might not be the value that a property investor would consider when evaluating the property for investment. In fact, a property investor might completely ignore the value that comes out of property appraisal process.

A good property investor would evaluate the property on the basis of the developments going on in the region. So property appraisal as done by a property investor would come up with the value that the property investor can get out of the property by buying it at a low price and selling it at a much higher price (as in the present). Similarly, property investor could do his own property appraisal for the expected value of the property in, say 2 years time or in 5 years time. Again, a property investor might conduct his property appraisal based on what value he/she can create by investing some amount of money in the property i.e. a property investor might decide on buying a dirty/scary kind of property (which no one likes) and get some minor repairs, painting etc done in order to increase the value of the property (the value that the property investor would get by selling it in the market). So, here the meaning of property appraisal changes completely (and can be very different from the value that property appraiser would come out with if the property appraiser conducted a property appraisal).

A property investor will generally base his investment decision on this property appraisal that he does by himself (or gets done through someone).