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Real Estate Investing

10/23/2012

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It is currently a great time to invest in real estate in San Francisco if you can qualify for a loan or have cash. 
Interest rates are historically at near their all time lowest rates.
  • Rental prices are going up in SF as more businesses are locating themselves in the area and as there is continuing job growth
  • Market prices in San Francisco are going up and there is an opportunity to capture property appreciation as the housing market continues to improve
  • Inflation, if you believe it is going to increase in the future and have a fixed rate mortgage, you will have an opportunity to use increasing rents to pay down your fixed mortgage payments
  • Reduced taxable income by depreciation of your investment property structure over 27.5 years, but be sure to check with your tax or accounting professional
  • Diversification, real estate investing serves as a means of diversifying ones portfolio from more than just stocks
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New Appraisal Standards Effective 9/1/2011 for Fannie Mae and Freddie Mac

10/31/2011

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New appraisal standards went to effect for most loans as of September 1st.  Appraisers now have to take into account all the following factors:
  • All the Days on Market including previous days that a property was listed even if removed from the market
  • Offering Price as the original offering price despite price reductions
  • Property Style now has to be classified by architectural design such as Victorian, Colonial, Townhouse, etc
  • Condition must now be determined by predefined categories
  • Quality of Construction has to be rated into one of six predefined quality levels
The impact on buyers is that it is going to make it harder to value properties and cause delays in appraisals so you should allow at least two weeks for an appraisal. 

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    Greg Bryan is a realtor and an attorney in San Francisco

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