Investing in real estate involves not just your personal residence, but also income-producing real estate such as houses, condos or office buildings.
Many individuals have grown rich through part-time involvement in real estate investing—probably more than have done so through the stock market. However, that’s mainly because of three easily-overlooked factors: leverage, sweat equity and higher risk.
It’s easier to start investing in real estate and get financing than for stocks because real estate tends to be less volatile and easier to appraise. It also generally produces more current income. It also rarely drops drastically overnight, as some stocks do from time to time.
Real estate investing enthusiasts say that if you buy a property with a 10% down payment, then a 10% rise in its value means you have doubled your money. However, that claim neglects the costs of selling (up to 5% or 6% for real estate commissions, plus lawyer’s fees and related expenses). It also overlooks any negative cash flow you may have experienced when you owned the property, because rents failed to cover expenses.
Eventually, rents can rise to a point where they cover the mortgage, taxes, maintenance and other expenses. By then, you may have a big capital gain. But that can take many years. Meanwhile, you have to “feed” your property, as real estate investors say—that is, invest additional funds to cover the shortfall between rents and expenses.
Maximize your stock market gains by following TSI Network and using our three-part Successful Investor strategy:
Invest mainly in well-established companies;
Spread your money out across most if not all of the five main economic sectors (Manufacturing & Industry; Resources & Commodities; the Consumer sector; Finance; Utilities);
Downplay or avoid stocks in the broker/media limelight.
Here’s what we think about real estate investing in Canada — and it may surprise you
We’re constantly asked about real estate investing in Canada and we understand the appeal. Even though today’s house prices still remain high in most markets (i.e., Toronto and Vancouver) mortgage… Read More
Despite market uncertainty in some warm-weather U.S. markets, many of us are buying second homes with the belief that further price increases are inevitable and will make those winter havens good investments.
A while back I was interviewed about this trend on CTV. Apparently I surprised… Read More
REIT investing: Real estate investment trusts can provide you with a stable, profitable way of investing in real estate
Top-quality REITs are among the most stable and highest-yielding real estate investments. That’s because many REITs hold high-quality, non-depleting assets, and have taken advantage of low interest… Read More
Recognizing the significant added risks that investing in real estate vs stocks can lead to is key to making smart decisions
There are a variety of considerations when deciding on investing in real estate vs stocks. It’s easier to start investing in real estate and get… Read More
Learn about capital gains exemption and REITs for real estate investing
Owning your house is a great tax shelter. That’s because gains on your principal residence involve a capital gains exemption. Note, though, that this benefit only applies to your principal residence. You must still pay… Read More
The growth of passive investing has accelerated with the expansion of ETF investments. Here’s more on that trend, plus a look at other passive investments you should know about
Passive management is also known as indexing. That’s in contrast to active management.
Important real estate investment advice about REITs, timeshares, second homes, rental homes, bargain homes, and the advantages of owning your own home
For the most part, real estate investment advice can be applied in two ways: buying a principal residence for you and your family to… Read More
Timeshares, a second home in the U.S., and small-town real estate investment trusts (REITs) can be are some of the worst investments you’ll make in real estate
If you visit a vacation resort this winter, you may get invited to a complimentary dinner, cocktail party… Read More
We feel the best way to cut your risk when investing in real estate investment trusts (REITs) is to focus on those with high-quality tenants that operate in a wide variety of industries. This could include office buildings or shopping centres.
That way, if a particular… Read More
These real estate investing basics aim to give you the information you need on these topics: real estate investment trusts (REITs), second homes in the Sunbelt as investments, and investing in timeshares
Real estate is property you can invest in and maybe make a profit on… Read More
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