By Deborah McNaughton
If you have colossal debt, you would like suggestions and also you want them now. brings jointly the questions humans ask so much approximately credits. This booklet is designed for a reader who wishes quickly and easy-to-understand strategies to express credits difficulties. prepared round wide issues like divorce, assortment companies, financial disaster, and girls and credits, readers can quick use the ebook with out wading via extraneous details. Deborah McNaughton, certainly one of America's optimum purchaser credits specialists, solutions questions about qualifying for or being denied credits, mortgages, issues of collectors, and bankrupty.
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Extra info for All About Credit
Rather than sell the loans, the banks keep and service them. Under the circumstances, a bank has only its own rules to play by, so creative financing is easier to structure. Loans made for buildings with more than four units fall in the commercial loans category. Portfolio loans and commercial loans both can be treated differently than loans that will be sold on the secondary market. In terms of your investment plan, your financial requirements need not be ironclad. First, list your total cash available for invest- Page 17 ment.
Over a 20-year period, this can amount to major retirement income, especially when an investor owns several income-producing properties. The Taxpayer Relief Act of 1997 enhanced the appeal of investing in real estate when it lowered the capital gains tax rate. This means a lot to property owners who sell some of their holdings. For example, only 25 percent of real estate depreciation can be recaptured and treated as capital gain. A property sold now is subject to no more than a 20 percent tax rate for capital gains if the seller has owned the property for at least 18 months.
Match your interest and your skills to the right property types and you should do fine. For example, assume you are a dentist by profession. You have no experience in construction or remodeling. If you go to an auction and buy an apartment building that was gutted by a fire, you could easily be buying into a nightmare. If I bought the same building, my past experience would help me to see the trouble spots and adjust my bid accordingly. If you were a tax lawyer or a certified public accountant, on the other hand, you most likely would do much better than I in structuring or buying into a real estate investment trust or partnership.
All About Credit by Deborah McNaughton