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March 8, 2014

The Credit Crisis ebook now sold on Amazon Kindle

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Please look for my updated 2014 version of my ebook edition entitled The Credit Crisis Deals: Finding America's Best Real Estate Bargains which is sold on Amazon Kindle. Here is the link: https://www.amazon.com/The-Credit-Crisis-Deals-Americas-ebook/dp/B00INAAX3S

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September 4, 2013

The Financial & Asset Bubble

The Financial and Asset BubbleSince the official start of our six (6) yearlong “Credit Crisis”, we have all seen the various wide-ranging extremes of the financial and asset cycles with both busts and booms. During the past several years, our economy has experienced deflation, inflation, and potentially hyperinflation partly due to a weakening U.S. Dollar, declining job numbers and investor demand, and various financial strategies and bailouts.

 

In spite of numerous analysts allegin...

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August 30, 2013

The Frozen Securities Markets

frozenhousingmarketAs the securitization market for mortgage loans has effectively been “frozen” for several years as I had forewarned many of my readers in various regional and national real estate publications several years in advance of the “official” start of The Credit Crisis back in 2007, we primarily have seen loans being funded which are backed by governmental bodies via Fannie Mae and Freddie Mac (both taken over by the U.S. government back in September 2008) and FHA (government insured financing).

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August 29, 2013

Billions of Ballooning Commercial Mortgages

rebubbleThe last big “real estate buying” period for both residential and commercial real estate properties nationwide was around 2007/2008.  As real estate investors we should be aware that many of the existing 5 year fixed commercial loans used to finance those real estate investments may be ballooning or becoming all due and payable in 2013.

Ballooning Commercial Mortgages

 

Upwards of 4,750+ CMBS (Commercial Mortgage Backed Securities) with loan balances near $55 billion may need...

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August 8, 2013

A Higher Percentage of All Cash Buyers

cashbuyerIn Southern California, upwards of 55% of all homes purchased in 2012 may have been acquired with either all cash or FHA loans partly since the secondary markets are so restricted. A very high percentage of these home purchases were for homes priced below the conforming / FHA loan limits of $417,000.

Many of these all cash buyers were investment or hedge funds, domestic and foreign. Obviously, the mortgage lending markets have tightened up significantly since 2007 with the Jumbo Mortga...

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July 2, 2013

The Ongoing Credit Crisis

 
 

Credit MortgageThe ongoing and worsening Credit Crisis continues at a rapidly escalating downward spiraling pace. The various bailout programs offered by governments and Central Banks worldwide have done absolutely nothing to help the everyday citizen on the street.

These bailout programs have only worsened the financial crisis worldwide, and have adversely impacted our once capitalistic wa...

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May 14, 2013

Why Commercial Real Estate Values are Improving

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Since the Credit Crisis began back in the Summer of 2007, both commercial and residential property values have fallen significantly throughout the USA. As I have written before, property owners are more likely to walk away from their “upside down” homes, office buildings, retail shopping centers, or other types of properties if their existing mortgage debt exceeds their current market value.

Thankfully, home prices have begun to stabilize or increase in price ranges of between 5% and 20%...

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April 11, 2013

Real Estate: An Exceptional Hedge Against Inflation

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Whether one believes annual government statistics which allege 3% to 4% annual rates of inflation or if one chooses to take a closer look at the costs for their goods and services in real life which seem to increase in price closer to 8% to 10% + each and every single year, I do know that the cost of gasoline, food, water, and utilities has skyrocketed in recent years thanks to our weakening U.S. Dollar.
 
Historically, real estate has been one of the best forms of investment...

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April 5, 2013

The Shadow Inventory vs. Declining Home Listing Inventory

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How is it possible that home listing inventories have fallen in many regions by upwards of 30% to 70% in year over year comparison numbers in spite of our ongoing sluggish economy? With the rapid home listing number declines in various regions, then many homes have increased in value by 5% to 17%+ just over the past year as well.
 
Are there potentially several million "Shadow Inventory" foreclosure homes which may have been delayed partly due to a wide variety of legal and financia...

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March 26, 2013

What is easier to fund today - commercial or residential loans?

real estate investingAre commercial real estate loans easier to find than residential loans today? Had I asked that question back in 2007, most people would have then said “No way.” Today, many investors and brokers may have to really think about it first prior to giving an answer one way or another.

Since the last real estate market peak near 2007, both the residential and commercial market sectors have sadly experienced massive price declines. In many cases, homes, retail shopping centers, land, hotels, a...

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