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30-YEAR FIXED RATE LOANS FOR FOREIGN INVESTORS, I feel it an obligation to provide insights into the benefits that Atlas Capital and Asset Management has to offer.
Prices are going crazy right now in our primary market. I am paying 50%-100% more for raw acquisitions right now than I was 18 months ago. It’s hard to even find a project house or fixer- upper in the cities where we prefer to be. Values have gone up substantially, and we are thrilled to see the market so robust and growing. We are even more thrilled to offer foreign buyers the opportunity to take advantage of this situation.

So now let’s look at the most obvious benefits that obtaining a long term fixed rate loan can provide when considering U.S. real estate investment, or anywhere else for that matter. We will also explore the benefits for existing property owners using our EXCLUSIVE U.S. REFINANCING PROGRAM and how this tool can help you achieve even higher benchmarks.

BUILD A PORTFOLIO INSTEAD OF “BUY A HOUSE”-

Most investors that we encounter typically have allocated 60k or 100k for real estate investments. I don’t know why, but those seem to be the two magic numbers. Now, we do not carry any 60k properties. Cheap properties tend to be in lousy neighborhoods, attract crappy tenants, and have a high turnover rate. They also are much more susceptible to theft and vandalism. 100k properties (depending on who you are dealing with) have a high success rate, attract and keep good renters, and if, by chance, the kids leave their bikes out overnight, they will be there in the morning. The difference with Atlas is that with average down payments of 30k-35k, the 60k buyer can dig deeper and spend 70k and get TWO properties. The 100k buyer can dig a little deeper and get THREE properties.

SPREADING RISK-

One factor will always remain a constant. Tenants, and people in general, run into problems. Life happens. Today is the 5th of September and we have already received a few phone calls from tenants that are going to be late with their rents (with a $100.00 late fee as a penalty, I might add). Life happens. When you have ONE asset and the Dad loses his job and can’t make rent, cash flow is ZERO. When you have the same 100k-120k in THREE houses, and Dad loses his job, you still have cash flow from the other two properties. It goes back to the “all of your eggs in one basket” theory, and U.S. real estate investment, like anything else, is not immune to that theory.

LOWER INITIAL INVESTMENT-

Any U.S. real estate investment carries an inherent risk or the potential for disappointment in either asset quality or performance. I would sure hate to find out that my property, or properties, are underperforming had I paid full cash price when I purchased the asset. With financing, the initial down payment is a fraction of the amount when compared with a full price cash acquisition. If a property does end up shy of expectations, it is better to find out with a down payment at stake instead of full market value sucked out of your retirement savings.

REFINANCE AND DIVERSIFY YOUR HOLDINGS-

I speak with a lot of investors who already own U.S. real estate every week, and perhaps the biggest thing we have to offer is our “cash out refinance program”. But before I go further, I should point out that this program is designed to assist in building up additional assets for a portfolio. We don’t provide this service to fund a mid-life crises or send little Jimmie or Jane to college. We designed this program so that folks with all of their equity tied up in a single asset could tap into that equity and obtain additional assets and so all of the items above would work in their favor. And best of all, the same rate and terms apply to our refinance program that are currently part of our new purchase financing program. Why have one asset in another market when you can diversify, buy more assets, spread the risk across a number of properties and cash in on the capital appreciation? If we’re advising on U.S. real estate investment, diversification is one of our top recommendations.”>In my last article, I extolled the virtues of our 30-year fixed rate financing program for U.S. real estate investment. I pointed out the hard money predators, the shady ARMs (adjustable rate mortgages), the tricky balloon payment trap, and other “landmines” when it comes to the lending industry preying on unsuspecting investors. As the ONLY U.S. COMPANY THAT INTERNALLY UNDERWRITES 30-YEAR FIXED RATE LOANS FOR FOREIGN INVESTORS, I feel it an obligation to provide insights into the benefits that Atlas has to offer.

Prices are going crazy right now in our primary market. I am paying 50%-100% more for raw acquisitions right now than I was 18 months ago. It’s hard to even find a project house or fixer- upper in the cities where we prefer to be. Values have gone up substantially, and we are thrilled to see the market so robust and growing. We are even more thrilled to offer foreign buyers the opportunity to take advantage of this situation.

So now let’s look at the most obvious benefits that obtaining a long term fixed rate loan can provide when considering U.S. real estate investment, or anywhere else for that matter. We will also explore the benefits for existing property owners using our EXCLUSIVE U.S. REFINANCING PROGRAM and how this tool can help you achieve even higher benchmarks.

BUILD A PORTFOLIO INSTEAD OF “BUY A HOUSE”-

Most investors that we encounter typically have allocated 60k or 100k for real estate investments. I don’t know why, but those seem to be the two magic numbers. Now, we do not carry any 60k properties. Cheap properties tend to be in lousy neighborhoods, attract crappy tenants, and have a high turnover rate. They also are much more susceptible to theft and vandalism. 100k properties (depending on who you are dealing with) have a high success rate, attract and keep good renters, and if, by chance, the kids leave their bikes out overnight, they will be there in the morning. The difference with Atlas is that with average down payments of 30k-35k, the 60k buyer can dig deeper and spend 70k and get TWO properties. The 100k buyer can dig a little deeper and get THREE properties.

SPREADING RISK-

One factor will always remain a constant. Tenants, and people in general, run into problems. Life happens. Today is the 5th of September and we have already received a few phone calls from tenants that are going to be late with their rents (with a $100.00 late fee as a penalty, I might add). Life happens. When you have ONE asset and the Dad loses his job and can’t make rent, cash flow is ZERO. When you have the same 100k-120k in THREE houses, and Dad loses his job, you still have cash flow from the other two properties. It goes back to the “all of your eggs in one basket” theory, and U.S. real estate investment, like anything else, is not immune to that theory.

LOWER INITIAL INVESTMENT-

Any U.S. real estate investment carries an inherent risk or the potential for disappointment in either asset quality or performance. I would sure hate to find out that my property, or properties, are underperforming had I paid full cash price when I purchased the asset. With financing, the initial down payment is a fraction of the amount when compared with a full price cash acquisition. If a property does end up shy of expectations, it is better to find out with a down payment at stake instead of full market value sucked out of your retirement savings.

REFINANCE AND DIVERSIFY YOUR HOLDINGS-

I speak with a lot of investors who already own U.S. real estate every week, and perhaps the biggest thing we have to offer is our “cash out refinance program”. But before I go further, I should point out that this program is designed to assist in building up additional assets for a portfolio. We don’t provide this service to fund a mid-life crises or send little Jimmie or Jane to college. We designed this program so that folks with all of their equity tied up in a single asset could tap into that equity and obtain additional assets and so all of the items above would work in their favor. And best of all, the same rate and terms apply to our refinance program that are currently part of our new purchase financing program. Why have one asset in another market when you can diversify, buy more assets, spread the risk across a number of properties and cash in on the capital appreciation? If we’re advising on U.S. real estate investment, diversification is one of our top recommendations.

If you are thinking about harvesting the rainwater that falls each year, you may be thinking that you have found an easy solution to reducing your water bill. It is often thought that rainwater harvesting is something that would only occur on a very large scale. And while it is true that many of the water tanks in Central Highlands that are designed for capturing rainwater are operated by major farms or industries, this method can also work at larger homes. Whether you ware wanting to collect rainwater for the purposes of purifying it and using it as drinking water, or you merely want to use it for irrigation purposes, high quality water tanks in Clermont can help ensure that you have a proper system set up for the capture and use of this rain water. But what are the advantages and disadvantages of using such a method?
Rainwater Harvesting Advantages • Lack of Maintenance One of the best reasons to go for this option is because it will not need much maintenance. When you hire a company to complete he installation of the entire system, the harvesting occurs on its own. When you are using the water for irrigation purposes, almost no maintenance is needed. If it is being filtered into drinking water, periodical check-ups on the system are needed to ensure it is running smoothly, and to change the filters. But no major work is needed when everything is setup. • Lower Water Bills If you have a massive space of land, you are probably using a lot of water to irrigate your grass and plants. Not to mention all the water being used in the house for cooking, cleaning and drinking. With the right rainwater collection equipment and water tanks, in Clermont your water bill could come down to nothing! This setup also means that you are increasing efficiency, since the rainwater that would have gone to waste is now serving a valuable purpose. Rainwater Harvesting Disadvantages • Unpredictability No system is flawless, and using rainwater for irrigation and/or home water use purposes does mean you will have an unpredictable supply. If you are using it for irrigation, it is not too much of an issue. But you would not want to shut off your usual water supply, even if you want to use rainwater for activities inside the house. If there are a couple of months in the year with practically no rain, you would run out of water pretty quickly! • Expensive at First We already mentioned how the maintenance is relatively low with this setup. However, it is a little expensive to set up all the water collection equipment and the water tanks. In Central Highlands, or most of Australia, if you are prepared to spend anywhere from $200 to $2000 on a system, you are in the clear. But if such figures are making you nervous, you may want to think about some other method for capturing rainwater. Ultimately, it is about deciding whether you are willing to spend money now in order to conserve water and save money on your bills in the future!

Bitcoin is the new currency that has finally come around as a standard for payment by over 100,000 merchants. It’s an exciting new way to pay for goods or invest. Investing in bitcoins or buying goods requires the purchaser to have bitcoins to trade with. There are several ways to get bitcoins.
One way is to buy bitcoins from a bitcoin exchange. If you choose this way it’s best to find a licensed vendor. There are many vendors now who are licensed in their jurisdictions to trade bitcoin. Check in your locale for licensed bitcoin vendors.

Another popular way to get bitcoins is by exchanging them for gift cards. Amazon, iTunes, even Starbucks all offer gift cards that can be exchanged for bitcoins. One of the most popular sites for this is Paxful. Once you sign up for an account you can then trade gift cards for bitcoins. Or use your cash to buy gift cards. For example, if you have a $50 gift card from iTunes, you put your request out there and Paxful will hook you up with a seller. You will almost never get $50 of bitcoins since the seller now has to somehow get their money back on the gift card but you may get $45 in bitcoin for $50. Deals vary from seller to seller. The cool thing about gift cards is you only need the gift card and receipt. No names are exchanged it’s a completely encrypted transaction. Hence the name cryptocurrency.

The drawback of cryptocurrency is it can be used for money laundering and hiding money in general. China, while it hasn’t banned cryptocurrency, has stopped bitcoin ICOS. Some of their exchanges have closed. Bitcoin in China trades at a discount to the rest of the world. Japan, on the other hand, has added more than 10 places to legally exchange bitcoin adding another option for the bitcoin buy/sell experience.

$20 of bitcoin in 2008 is now worth over $20,000,000. The bubble may burst or just fluctuate but it looks like bitcoin is here to stay.

For those who are looking to invest, getting bitcoin is pretty much the same. Buyers need to go to an exchange and buy the coins. Some places allow credit cards, Paypal and bank transfers. After that the bitcoin is yours to hold and sell dear! Whether using bitcoins for making purchases or investing or selling, it’s an exciting new entry in the world of currency.