The math behind discovering a new neighborhood

As prices continue to rise for the kind of beat-up, badly managed assets that are our bread-and-butter, we are spending more time looking at new neighborhoods. Am I going to tell you which ones I’m focusing on? No, because a bunch of people who compete with me read this blog. But I will share with … Continue reading “The math behind discovering a new neighborhood”

An effective wealth building strategy

One couple, two incomes. Live on one, save the other. Buy first 4plex FHA. Live in one unit, accelerating savings. Accumulate downpayment for building #2. Buy building #2 with 25% down. Resist temptation to increase spending; saving accelerates due to income from building #2. Buy building #3. Rinse. Repeat. Assuming we’re talking about 4plexes that … Continue reading “An effective wealth building strategy”

Why I (almost) always ask for retrofit

In Los Angeles, the law requires that every building that changes hands needs to have low-flow toilets and shower-heads installed in the bathrooms (to preserve water). The law is enforced by means of a single form that is required to be completed prior to close wherein a contractor, licensed plumber or real estate agent attests … Continue reading “Why I (almost) always ask for retrofit”

The difference between a loan broker and a direct lender

In our business, we frequently have clients come to us with pre-approvals from direct lenders like Bank of America, Wells, etc. The clients love the banks because they promise high loan amounts and low interest rates. And, on simple deals where there are no real issues with the borrower or the property, the direct lenders … Continue reading “The difference between a loan broker and a direct lender”

Rent vs. buy

This article in the Times is worth reading. The argument is basically that we’re entering bubble territory in single family home pricing in the main coastal cities. I think the rent estimates they’re using may not reflect the rents that are actually getting paid. That said, when I see small houses on small lots in … Continue reading “Rent vs. buy”