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DO THE MATH Buy, Rent or Sell?

Real estate, as an asset class has continued to generate attractive returns for investors big and small. Demand for improved homes, single family rentals and vacation rental properties is high, while housing inventory and interest rates remains low. This enables investors to benefit from both monthly cash flow, big returns on property sales and long-term property appreciation. Now is the time to assess and consider re-tooling the financial aspects of your business. TRUE CAPITAL PARTNERS ARE PROBLEM SOLVERS Thriving as a real estate investor today requires a sound and stable financing strategy. Having a consistent, reliable capital partner is perhaps the most important element to building a solid business model. This may evolve over time – from your start in business to an experienced pro. Developing a deep understanding of different financing methods and capital structures will enable you to create financial partnerships that align with your business strategy, as well as protect you during market shifts. Regardless of your strategy, there are a myriad of capital or financing options available to you. Circumstances such as the pandemic clearly illustrated the business imperative of conducting due diligence when choosing a capital partner. It is important not to think merely transactional – getting a good deal on one property – but rather focusing objectively on who will be your best capital partner as you grow and change through market shifts, both forecasted and unexpected.

Fix and Flip: When you find a good flip, moving quick is key. You’ll need the right financing in place for a swift acquisition (likely at a premium) as well as funds to renovate. Get clear data supporting the neighborhood value ranges and finishes that appeal to buyers at the high and low end of the market. In rapidly appreciating markets, savvy investors can reap big returns on a simple, well-done update.

Fix and Rent: Rent rates in many markets are outpacing the increasing home prices, potentially turning your flip into a great cashflow opportunity for long-term rewards.

Rehab Financing: Increased labor and material costs post greater risk to your rehab budget. CIVIC provides up to 100% financing of your rehab budget, allowing you to stay liquid throughout your entire project and simplifying the financing for acquisition and rehab.

Bridge-to-Conventional Financing: A short-term private money loan will enable you to quickly acquire and either improve the property, or generate monthly-cash flow required to refinance into a cheaper conventional loan.

Rental: Quickly cashflow properties with interest only ARMs for stabilized DSCR properties or short-term/vacation rental properties. With CIVIC’s rental financing, properties are NOT required to be currently leased at the time of acquisition or refi. Local market reports can be used to confirm projected monthly rental income.

For more information, download CIVIC’s “Investor’s Guide to Finding the Best Financing”

Civicfs.com/ThinkRealty

Recapitalization: Tap into the equity of your rental portfolio by refinancing multiple rental properties into one loan. By refinancing with up to 80% cash out, you can use that equity to acquire new properties without eating into your cash reserves.

(844) 725-4488

Construction: Financing new construction or tear-downs creates opportunities for experienced investors and developers to expand and take advantage of a highly lucrative market.

CIVIC Financial Services, LLC is a leading institutional private money lender specializing in financing non-owner-occupied investment properties. CIVIC helps investors leverage opportunities to grow their real estate portfolios and build wealth through real estate. For more information, please visit www.civicfs.com. ©2021 CIVIC Financial Services, LLC. All Rights Reserved. This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. CIVIC Financial Services, LLC reserves the right to amend rates and guidelines. NMLS ID 1099109. Loans made or arranged pursuant to a California Finance Lenders Law License 603L321. AZ Mortgage Broker License 0928633. OR Mortgage Lending License ML-5282. See www.civicfs.com/Licensing.

Multifamily: Small multifamily properties are not out of reach for today’s investors. Lenders such as CIVIC are experts in small-balance (i.e. $1-$10 Million) multifamily loans.

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