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.

Real Estate Investment Loan – Invest Through Low Cost Funds

Investment in real estate is turning into a huge profit generating business. Real estate business though requires lot of thinking and commercial wisdom for earning a sizeable profit. The loan aspect is crucial to generating continuous business for the investor. Keeping this purpose in consideration, lenders have designed especially real estate investment loan that makes investment in real estate a lot more attractive for even first timer.

Taking a real estate investment loan means you are utilizing the finance for investing in a commercial property. So before you settle for making real estate investment loan deal, make sure that you have carefully selected the property from the loan availing point of view. Note that lenders prefer a sound income generating property for considering real estate investment loan. Lenders wish to ascertain that the property is a good profit prospect. This assures in turn the lender of safe and timely return of the loan. Though real estate investment loan is a secured loan still lender would like to escape the costly repossession route and prefer instead the safe payback of the loan.

Real estate investment loan is a secured loan. Lenders secure the loan against the very property the borrower intends to make investment in. deal papers of the property are taken in possession by the lender for securing the loan and are return to the borrower on complete pay off of the loan. This is one reason the borrowed amount under real estate investment loan depends on the type of property. If the lender values the real estate more as possible income generator or is already giving good income, greater loan can be pocketed. Usually real estate investment loan is offered in the range of £100000 to £3000000.

For the convenient pay off real estate investment loan, lenders give you larger duration. They can offer you repayment duration of 10 to 30 years. The investor can wisely spread the loan in larger repayment duration for reduction in monthly outgo towards installments. A lot of portion of the loan is thus saved for other utilizations. Real estate investment loan is a lower interest rate loan because it is fully secured and risks for the lender are remote.

Since there are negligible risks involved, lenders do not think twice in considering real estate investment loan for bad credit people. In case of payment default, lender can still recover the loaned amount by selling the property of the borrower.

There are some requirements from the lenders of real estate investment loan providers. Lenders may ask for the property documents to ensure the intended investment is for genuine purpose. Lenders may demand tax records of the property the borrower intends to invest the loan in. so keep such and documents ready.

Investors can search for real estate investment loan providers on internet. Number of the loan providers have showcased real estate investment loan in their websites. Study them for each aspect and compare interest rates and terms-conditions. After settling for a suitable lender, apply online to him for faster approval of the loan.

Investment in real estate is a hurdle free experience when the investor opts for real estate investment loan. Make the loan deal after careful comparison of various loan packages on offer. Also ensure for timely repayment of the loan installment for avoiding debts.

The Hottest Upcoming Digital Marketing Trends

Competition in business is stiff and hard to overcome. However, digital marketing is a great way to even out the competition. This creates opportunities for businesses that aims to succeed and become more established in the industry. Being able to work with the current trends may prove vital in a business’ success no matter how small or large it is.

Knowing the trends in digital marketing will not only make a company look “cool”. Knowing and applying the trends also mean getting ahead of the competition. Although some may view digital marketing as unstable and volatile, learning the trends will make a big difference.

Every year, certain trends become prominent and more useful in terms of making successful strategies for businesses. These trends affect the decision in techniques, strategies and tools in digital marketing that a company uses to keep up with others. This year proves great progress is on the way for digital marketing, and here are the trends that can prove why

Efficient Content Marketing

Content marketing is finally making its ways on becoming a great part of an effective digital marketing. Creative and great contents creates more traffic and generate better leads as it picks customers’ interests. Great content can encourage more potential clients to patronize your business amongst other marketing strategies. Contents that educate your customers about the advantages your product or service offers them the sense of importance and security.

Everything Mobile

Gone are the days when mobile phones are just used for sending messages and making calls. More customers prefer using mobile data and Wi-Fi enabled mobile phones and gadgets because these allow them to do more than send messages and make calls. This created more opportunities for companies to incorporate mobile marketing in their digital marketing strategies.

People are now looking for businesses that can offer online services through mobile applications. Mobile applications and notifications are used by businesses in order to reach customers. The traffic and response from mobile users were also proven to be higher than emails.According to a study made in February 2015 as compiled by The CMO Council Journal, 64% of decision-makers use mobile phones in reading their emails.

More Value on Video Marketing

Companies reach and deliver more information to customers through videos with themes that touch human emotions and experiences. Inanimate words can sometimes be boring and flat for customers. Videos have been effective in showing clients and potential clients the benefits offered by a company by using more than words.

The information being conveyed to customers become more interesting and realistic. Visual storytelling is still effective than just words being read. Adding a personal touch on each video affects customers’ perspective on the product or service being offered.

Marketing Analytics

Knowing how your market behaves and reacts on your products or services is a must in a business. This helps in creating better strategies and better decision-making for most companies. Marketing analytics will bloom and develop more as the needs for effective digital marketing strategies rise.Marketing analytics will need tools that will effectively convert data and information that companies can use to make decisions and strategies.

New Payment Methods

Payment methods in most sites require credit cards. This is no longer the case for businesses that move forward. Digital marketing now allows more than just payment through credit card; it also gives options for debit accounts or debit cards, PayPal, remittances and Cash on Delivery.

These methods allow customers to choose which payment they feel confident in. Trust is a very big factor when it comes to payment methods. Having options in paying also lets them feel in control and assured that they will receive the items or services they purchased in good state.

New technology such as Augmented Reality and Wearable Technology

As technology is being developed, augmented reality and wearable technology is starting to become popular. Integrating this with digital marketing proves to be a great move for businesses who want to reach clients on a different level. These are parts of Internet of Things which is slowly dominating the digital world.

Augmented reality and wearable technology also gives way for digital marketing to explore better strategies. It creates opportunities on trying out new activities that will require augmented reality and wearable technology.

More Focus on Customers Creates More Sales

Strategies that focus more on sales is no longer as effective as before. Most customers look for strategies that focus more on their needs and their benefits from the product or service that companies offer. Customers now look for strategies that gives importance on their well-being.

These trends can change from time to time, but will definitely give you an edge from other companies. Wisely placing each trend on your digital marketing strategies assures not only return on investment but also steady, qualified leads and traffic. You can use these trends in making spot on solutions for your company strategies that does not seem to work.

Understanding Cause Marketing

Cause marketing is a specific form of marketing that basically replaces the traditional and more expensive form of advertising. It is where a for-profit business and a non-profit organization form a formal alliance from which both parties benefit both financially, and by increasing their credibility in the eyes of the public. This is why it is often referred to as “Credibility Marketing”. This article explains in simple terms how such an arrangement is beneficial to both parties.

To understand cause marketing, and it’s benefit in promoting a companies credibility, it’s necessary to understand how the public’s interest in choosing products and services has changed over recent years. Since 2008, in America and the United Kingdom, buying the most expensive product is not viewed as having the same value as a status symbol that this type of purchase once offered. In many department stores, shoppers are clearly looking for what is practical, and cost efficient. They are also much more aware of the impact on the environment, their community, or the global community their purchase might have. This is the heart of cause marketing, as it offers the value of contributing to the larger goals that interest the public.

A Smaller World with Big Goals

In this day and age the drive to contribute appears to come through the ways people communicate. Since the 1950′s most families in the United States, U.K. and throughout Europe have enjoyed direct information regarding the state of their own community as well as the world at large. Seeing the news via previously filmed events gave way to an instant viewpoint through satellite news feed of video. The internet offered the world a direct and personal pathway in having the ability to directly write or text to almost anyone in the world. The result of this communication is the average person is more aware of the tragedies, wars, and natural disasters taking place thousands of miles away. This has led many in taking a financial interest in causes for the common good, whether this affects their own community or one thousands of miles away. Cause marketing philosophy allows those representing a product or service to align themselves with these shared goals. Further it gives a business increased credibility, which is why this type of marketing is often referred to as ‘credibility marketing’.

Identifying Community Needs

For the business wishing to engage the public, cause marketing is more than simply a part of public relations. Rather than simply having a drive or single event to raise public awareness of an issue or need, cause marketing aligns a brand or business with a worthwhile cause. This partnership then produces mutual profit and public relations benefits for both the for profit business and the non profit enterprise. Both the business and the cause will see an increase in public attention and in profit. Everyone in the community involved the business, including its employees will also see the benefits of social connection and community improvement.

Who Benefits?

Typically in looking at cause marketing most companies involved offered physical goods directly to customers. As markets have increasingly changed, and consumer’s preferences tend toward expecting extended value from their purchases, other types of enterprises have also tried cause marketing. This type of cause marketing works well for physical products as a company can donate a predetermined amount per sale of a product, or with the return of a proof of purchase by the customer. The companies involved have found increased sales of products with this marketing and subsequently increased profits, while still contributing more to a specific public interest issue.

Discovering a Cause

Any number of issues can affect a community at any time. Often, simply paying attention to news groups relevant to those who use a product or service will indicate which causes are important to them. However as cause marketing has evolved and companies see the benefits of increased credibility, causes are no longer always directly aligned to a company’s product or service.

Simple Tips for the Affiliate Marketer

I have put together some tips for affiliate marketers that should help give you some guidance and get you started. Affiliate marketing has changed over the last few years. It has become much easier as more companies are offering more than just a simple link with your code. Affiliate marketing companies are now offering a wide variety of marketing tools to help you become successful in selling their products and services.

Some of these marketing tools include banners for banner advertisements, articles for article marketing, videos that you can upload to video sharing sites and much more. They teach you how to implement different marketing strategies and provide you with online support to answer any questions.

The key to becoming a successful affiliate marketer, however, is that you need to be consistent implementing these marketing strategies to generate an income online on a regular basis. They can give you all the tools in the world, but if you are not implementing them they will be no good to you.

Another way to ensure your success as an affiliate marketer is choosing the right affiliate program for you. You should understand a little bit about the products and services you are marketing. Knowing about the products or services will help you target the visitors you need; people who actually want to buy what you are selling.

Do not overwhelm yourself with choices, as there are many affiliate programs to choose from. Do your research and pick one or two to market. Become an expert in the products or services you choose and you will be better able to drive traffic to the vendor’s site in order to make a sale.

Affiliate marketing is actually not that difficult. You will have access to all the advertising information that you need to generate traffic if you choose a reputable product to market. Keep in mind that not all affiliate programs are created equal. If they do not provide you with the tools you need, move on and try to find one that does. With so many options out there, you are further ahead if you market for a company that provides you with all the tools you need to generate the traffic you desire.

Build a relationship with your visitors and be helpful to them. Do not just try to sell them your products. Provide them with value and give them a reason to buy your products. You do not want to just focus on promoting your product. People see right through that and are turned off very quickly.

One of the most important aspects of affiliate marketing is targeting visitors who are interested in buying. Most people look but never actually buy the products. It is better to have less visitors who are interested in making a purchase than more visitors who have no desire to buy your products. That’s why it is so important to know your audience and appeal to them. Doing a little keyword search can help you determine the keywords that are selling products so you can maximize your targeting efforts.

Finally, be patient. Affiliate marketing takes time to grow and build revenue. Affiliate marketing is not a get rich quick scheme. It takes time, effort and dedication. Treat it like you would any job and put your full effort into your marketing and you will see results.

Hopefully, these tips will help you make more sales with your affiliate marketing efforts. Keep working hard and remember consistency is key.