Posts by this contributor:

    The Student Loan & Credit Bubble

    July 1st, 2014

    07-01-14 - student loansI know many of you real estate investors have college bound or kids in college. Doesn’t the image of young students playing with bubbles bring back some fond memories for many people? When one thinks of bubbles and students together, a person may imagine a young child playing in a sandbox while blowing bubbles during their earliest years of Elementary School. In this same imaged situation, one may also see the bubbles eventually popping a bit too soon for the young Preschool or Elementary School student. Sadly, the same young student may then throw a tantrum because their bubbles popped too early, and soaked them with oily bubble residue.

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    Real Estate Investing Formulas For Success

    May 23rd, 2014

    reiclub rick tobin investing fomulasThere are a significant number of successful real estate investing formulas which have been created over the years regarding the potential creation of real estate wealth. Here are a few real estate formulas which I have followed for many years myself. These formulas may still hold true these days during both boom and bust real estate cycles. Read the rest of this entry “

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    The Financial And Asset Bubble Leads To Booming Real Estate Prices

    September 3rd, 2013

    Booming Real Estate Investing PricesThe 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.

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    A High Percentage Of All Cash Buyers In Recent Times

    July 8th, 2013

    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.

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    The Ongoing Credit Crisis Continues

    June 25th, 2013

    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.

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    Billions Of Commercial Loans Are Ballooning In 2013

    May 29th, 2013

    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.

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    The “Frozen” Real Estate Securities Markets

    April 26th, 2013

    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). Read the rest of this entry “

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    Are Commercial Loans Easier To Fund Than Residential Loans?

    March 22nd, 2013

    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.

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