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Money and Retirement

The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 2
The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 2

Is there real value in a Brokerage Fee Agreement? In an ideal world, you should have clients with such loyalty that you don’t need a contract to collect a fee.  However, in the real world, you need a fee agreement to perfect your interest in the brokerage relationship and get paid for the...

The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 1
The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 1

Have you ever worked hard, spending hours arranging financing for a potential client, and come to find out it was all for naught because you did not execute a fee agreement, and the client went to another lender? I understand this is the nature of the business; however, there are ways to improve...

Four things to Know Before Building an ADU on Your Residential Investment Property
Four things to Know Before Building an ADU on Your Residential Investment Property

The local and state government have made it extremely attractive to construct additional dwelling units (ADU’s), also known as Granny Flats, on a property with a single-family residence by loosening the density restrictions. The additional square footage created with an ADU can help increase the...

When Does Using Private Money Make Sense?
When Does Using Private Money Make Sense?

Have you passed up an investment opportunity because private money was expensive and it was your only option for financing? Private money, or hard money financing, is non-conventional financing. The funds are not coming from a federally insured source, as in a bank or credit union. A private...

Are we Goal-Oriented or Growth-Oriented?
Are we Goal-Oriented or Growth-Oriented?

There is no such thing as a “risk-free” real estate investment. With any return, there is risk. Successful real estate investors typically know and understand two essential things: The financial objective or why they are investing in real estate, .i.e., is it for future cash flow, preserve...

How to Mitigate the Risks When Investing in Real Estate
How to Mitigate the Risks When Investing in Real Estate

There is no such thing as a “risk-free” real estate investment. With any return, there is risk. Successful real estate investors typically know and understand two essential things: The financial objective or why they are investing in real estate, .i.e., is it for future cash flow, preserve...

What Makes a Mortgage Fund Like Fidelis a Hedge Against Inflation?
What Makes a Mortgage Fund Like Fidelis a Hedge Against Inflation?

There are numerous benefits to investing in a mortgage fund. Click here for a list of benefits. However, one benefit not often talked about is a hedge against inflation. In the last year, to fight the COVID-19 pandemic, the government injected over 2.5 trillion dollars into the US economy. These...

A Simple Formula to Determine When is the Best Time to Refinance
A Simple Formula to Determine When is the Best Time to Refinance

At what point do you decide to refinance a loan based on the interest rate? A question most of us have been asking, given the low-interest-rate environment we have been in for a while. Making the right decision to refinance can save you money, but if not done at the appreciate time and for the...

What are Key Factors & Questions to Ask in Structuring the Right Real Estate Loan Terms?
What are Key Factors & Questions to Ask in Structuring the Right Real Estate Loan Terms?

A great deal of money can be saved by structuring the right loan terms on your real estate transaction. It is the opportunity cost of making the right decision where the money is saved. When choosing the right real estate loan terms, it’s not all about the lowest interest rate. It’s wise not to...

What do I see on the Horizon for San Diego Real Estate?
What do I see on the Horizon for San Diego Real Estate?

What I currently see on the horizon for San Diego real estate is based on information I receive from conversations with real estate owners, lenders, borrowers, buyers, and sellers in the San Diego market. This provides valuable information as to what changes are developing.

Six Investment Strategies of Successful Real Estate Investors
Six Investment Strategies of Successful Real Estate Investors

​​​Over my career of 30 years in the real estate financing business, I have helped hundreds of investors ​achieve their financial goals through investing in real estate. I’ve learned some valuable lessons throughout the years and would like to share them with you.​​ 1. Three Things Make...

Questions to ask a Lender When Getting a Commercial Real Estate Loan
Questions to ask a Lender When Getting a Commercial Real Estate Loan

The right real estate financing can make the difference between a good project and a great one. In today’s economic environment obtaining the right loan with the best lender can be a challenge. You can speed up the loan process by asking the right questions upfront when searching for the...