In some of the worst housing markets in the country, deflation has reached double-digit proportions. While housing woes have reached around the country, California appears to be poised to rank among the worse. One of the primary reasons for this is the fact that in the last several months California has experienced the largest rate of deflating home prices. In fact, home prices in California have fallen at levels that have been unprecedented.

Miami, Florida has also proven to be a difficult market at the moment. Here, the weak mortgage market and record high rates of foreclosures have let to decreasing home values as well. In fact, Miami has been among the worst home markets in the country for two years running. The condo boom in Miami just a few years ago has fueled further problems that have now spiraled into a massive real estate bust.

While Florida and California may have been easy to predict as being among the first housing markets to crumble when the real estate market crashed, there are other markets that are on the precipice of falling which have not been as easy to predict. One of the primary reasons that Florida and California were poised to fall so rapidly were rapidly escalating home values during the boom a few years ago.

Other markets; however, did not rise as much or as quickly, which could be one reason why they have managed to avoid reaching the top of the list; at least until now. These markets include Arizona, Nevada, Indiana and Massachusetts. Declining home prices as well as high rates of foreclosures in these states are also contributing to their worsening real estate market conditions. In Michigan, where layoffs have been significant, the economy is playing a strong role.

Problems are expected to grow worse in many markets as several million adjustable rate mortgages are scheduled to be reset in the coming months. As these mortgages are reset, it is logical to assume that even more homeowners will find themselves facing the reality of being unable to pay their monthly mortgage payments in certain markets. When that happens they will be forced to either face foreclosure or in some cases make a short sell on their home as refinancing is becoming less and less of an option for many homeowners.

According to most statistics, the remainder of 2008 is still poised for problems in the housing market. Many statistics indicate that home values could continue to drop and new homes could experience a loss of up to 18% before the year is out. While there are some indications that the market could begin to level off at the end of 2008 or the beginning of 2009, many experts are quick to warn that when the market does begin to rebound it will not reach the point where it left off. In comparison to the housing peak of 2005, the rebounded market could still be quite a bit lower. Part of the reason for this is that in many areas, prices escalated so quickly that there is simply no way for prices to rebound back to that point.

Still, there may be some home for certain areas. In many markets sub-prime mortgages have either left the market through quick sales or foreclosure. The stimulus package that is on the horizon is anticipated to help the housing market in many areas.

First-time home buyers may soon find the relief they have been seeking since they were forced out of the market; however, it may longer before homeowners begin to experience that same kind of recovery. This is because most homeowners are still reluctant to sell and lose the equity they once had in their homes. The simple fact is that many homeowners have yet to accept the fact that they can no longer get the same prices for that was possible just a few short years ago.

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When it comes to buying a home, most potential buyers will use the listing price to as the number one factor to determine the homes that they look at. Even though you and a realtor may determine the asking price, the buyer will determine the selling price. If the price is too high, most buyers won?t give it a second thought – which is why you want to determine the listing price carefully.

If you set the correct price, you?ll notice a much faster sale. Setting the right listing price will also attract more potential buyers to your property as well. You?ll also notice an increase in response from realtors, and receive more calls about the property. The listing price is very important – and it can ultimately determine whether or not you sale your property.

A home can be overpriced due to several reasons. Overpricing is something you want to avoid, as buyers tend to steer clear of homes that have been overpriced. Normally, this happens when a buyer asks a lot more than the home is worth or valued at. Some buyers ask a lot more than the value of the home due to location. Although the location is very important, most potential buyers won?t give the home a second look if they think the price is too high – and more importantly out of their price range.

When you put your home up for sale, most activity will happen within the first couple of weeks. If you put the right price on your home, you?ll notice immediate interest. There are always buyers looking for homes in their price range, waiting for new homes to be listed or homes to be reduced in price. Buyers who are waiting to purchase may miss seeing your home completely if the price is too high.

To determine the listing price of your home, you should always have it appraised before you put it on the market. This way, you?ll know the full value of your home. You can sell it for market value or go a little under, although you should never attempt to go way over the value. In doing so, you?ll miss out on a lot of potential buyers. The home market is very competitive these days, which is why you want your home to draw as much interest as possible.

Keep in mind that realtors really have no control at all over the real estate market, only the plan behind marketing. Realtors don?t determine the asking price – the seller does. You can ask a realtor for advice, although you are the decider of your listing price. If you do things right and take each thing step by step, you?ll set the listing price in the right area and have no problems selling your property.

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There are many questions that should be asked before embarking upon a career of real estate investment. The first and foremost question however should be whether or not you are truly committed to making real estate work for you. This is not a business for the faint of heart. In order to truly turn a profit you must be at times ruthless when dealing with buyers and sellers but ethical to a fault when it comes to the work that must often be done in order to get a property in sellable condition.

The reason a serious commitment is needed in order to make real estate work for you is simple. There will be ups and downs along the way. The stock market experiences rises and falls on a regular basis. Just as you cannot dump all of your stock over one bad day the same holds true even more so in the realm of real estate investing. Property values in general rise gradually over time. This means that even if the values in a community falter chances are that they will eventually recover.

Those who bank on the slow and steady growth in the value are referred to as buy and hold investors. These investors are truly committed to their investment. Some of them elect to hold the property as a vacation property while others opt to earn an income on the property by renting it out to other families or vacationers, whatever their choice may be.

This is a great way for many people to enjoy the luxury of a vacation property without absorbing all of the expenses involved in owning a vacation property as the rentals will help compensate some of the costs when the owners (investors) are not in residence. This is a fairly common practice in high demand tourist areas in which people often enjoy vacationing. These types of investors are what some people refer to as serious real estate investors though all real estate investors need to take their purchases seriously.

Those who own rental properties must also be committed to making their investments work for them. Rental properties are not a ‘hands off’ type of investment, as they will need to be maintained in order to remain in demand by tenants. You must also make constant efforts to keep these properties managed and filled along with remaining certain that you are collecting your rent each month and that the properties aren’t falling into a state of disrepair or abuse by tenants.

Many investors retain the services of property management agencies in order to handle the minutia of month-to-month details and collections. This is a great idea whether you have one lone rental property or a vast portfolio of rental properties. Even better however, is the fact that if you keep your rental properties in reasonable repair throughout the years they can become liquid assets in time. In other words, they may actually pay for themselves a few times over if you invest for the long-term rather than focusing on the moment.

No matter what type of real estate investment you intend to have it is important that you are prepared to make the commitment to profit or profitability that is necessary in order for your venture to be deemed a success.

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More and more consumers are recognizing that at least for right now they are better of financially renting than buying. This is certainly a departure from the past when most consumers realized that the best financial option would be to buy rather than rent so that their money would go toward creating equity in a home.

Today that is no longer the case; however. While rents have continued to rise in many locations, consumers are still finding they are often able to rent for less money than what they would pay for a monthly mortgage payment on a comparable property. In some cases, renters are able to save between 40% and 50% by renting instead of buying.

One of the reasons for this is that in some locations, property values rose quite steeply. Today, buyers who snatched up those homes without blinking have discovered they must now sell. The problem? They need to sell the homes at the prices at which they purchased them two years ago to recoup the balance they owe on the mortgage. Renters just are not willing to pay more money than a home is worth.

Even renters who are able to qualify for mortgages just do not feel as though they are getting enough home for their money, especially when they can often rent a comparable or even larger home for less money.

As a result of the shifting market, many experts are quick to point out that today the market is no longer a seller?s market and it is not really a buyer?s market either. Instead, it has become more of a renter?s market.

Other renters are holding off on the idea of buying because they are concerned that prices have not yet hit the lowest point. They are primarily concerned that if they purchase a home today it may not be worth the same amount just six months from now. They feel it is far more prudent to wait and see exactly where the housing market will land before they consider buying a home. Other renters are concerned about the upcoming hurricane season. Few have forgotten the hurricane season of just two years ago that devastated many areas. Homeowners in those areas, especially those without insurance, have yet to recover.

While some areas are experiencing a deficit in supply of rental properties, in other areas homeowners have recognized the wisdom of holding off on selling their homes. They, too, are reluctant to sell their homes now when it seems more prudent to wait and see when the market will stabilize. To help make ends meet, many of these homeowners are willing to rent out their homes to the scores of renters lining up to take advantage of the opportunity. Even homes that are on the market for sale are also available for rent. While renters must accept the reality that the home in which they are living must be available for showings, they still feel the trade-off is quite worth it.

Would-be investors who attempted to get in on the quick profit potential of flipping homes have also discovered that it makes more sense to rent out their properties right now instead of trying to selling them. In some cases, investors are discovering they simply do not have any other options when they must meet mortgage payments every month and are unable to sell their properties. In some cases, this means renting the properties at a loss, creating a negative cash flow.

In fact, this situation has become so much of a problem that landlords in certain niche markets are finding they must cut rents in order to create even a small amount of cash flow. These investors have quickly discovered that it is far better to rent right away at a loss than wait several months to try and attain the amount of rent they really need. Although landlords are often upside down on most of these properties, renting them out has proven to be the safest method; at least for now.

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While homeowners are facing the crunch of the housing meltdown, investors are also facing serious repercussions as well. The housing market certainly hit is peak during 2005. A number of investors came into the market at the end of 2005 and in 2006, eying the large profits that had been made as a result of the housing boom. At the time the market was quite frenzied and some investors felt all they had to do was quickly snatch up hot profits and resell them as quickly as possible. This strategy produced quick fortunes in many cases and fueled the trend of flipping. Even people who had not had any previous experience in renovations or the real estate industry were quick to become involved.

Today that once frenzied market has begun to not only level off; however, but have completely run out steam. Investors are finding it difficult to sell properties let alone make a profit as the market continues to experience a glut of inventory. There is little doubt about the fact that the market for flipping has slowed.

Investors have also begun to lose money as a result of the housing crisis. One of the key strategies of being able to make a profit in the process of flipping is to sell the property fast enough that the investor does not need to make any mortgage payments at all or at least as few as possible. During the heyday of the housing boom this was not a problem.

An investor could easily purchase a property, rehab it in less than a month, slap a for sale sign on it and sell it before the first mortgage payment was due. Even if they sold it before the second mortgage payment was due they were still able to come out of the deal with a massive amount of profit because of rapidly rising housing prices. Today that is no longer the case.

As a result, many investors are finding that they must either live in the homes on their own or rent them out. Investors who had been renting have been forced to move out of their rental properties in some cases and live in the properties they hoped to flip. In other situations investors have been forced to rent out the properties for reduced rates in order to have at least a little money trickling in to cover mortgage payments and other expenses.

Speculators are experiencing even more problems. The main difference between flippers and speculators is that flippers frequently purchase homes, try to infuse it with some increased value through renovations and then sell it. Speculators; however, tend to purchase properties and then resell them without making any improvements at all. At one time this practice often paid off in big profits. That is not the case today. Investors who once engaged in the process of real estate speculation have discovered they must add value to the property if they are to have even a glimmer of a hope of selling it today.

As a result of the glut of homes on the market due to speculation and flipping, there are some markets that are attempting to eliminate the process all together. Some communities have placed restrictions on the abilities of buyers to resell their home within at least one year period following the date they close on their property.

Since most speculators and investors hope to sell within six months or less, this effectively prevents them from doing so. Communities that had the foresight to take this action at the height of the housing boom have been in a much better place than other communities where flipping and speculation ran rampant at the same time.

While the depressed housing market has caused many investors to step out there is little doubt that once the market corrects itself, which many believe will happen by 2010, these investors will return; poised and ready to begin reaping in the profits once again.

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It doesn’t really matter what kind of investing you are participating in, it’s almost always a wise idea to have multiple streams of income in order to maximize your profits while spreading your risks. Even within the confines of real estate investing there are different types of investing that can help you spread your risks when markets meet turbulent times and this is a very good safety net for those who do not want to feel as though they are gambling away their investments on a real estate market that is fickle on its best days.

You really have two course of action when it comes to bringing in multiple streams of income when building your financial portfolio. The first is to spread your real estate wealth and investments across several different types of real estate investments. There are a few types that come immediately to mind. First there are rental properties. You have two options even with these. You can either choose to rent properties outright to families, students, singles, and the elderly in your town or you can offer a lease or rent to own situation for those who have struggled in the past but still have the dream of home ownership.

Other options for bringing in multiple streams of income through real estate is to have a few rental properties and couple those with a few flips in the works, perhaps a commercial property or two, and a pre-construction deal or vacation condo in the pipelines. One thing is certain you should always be on the lookout for your next real estate investment if you really want to make good money in this business while having a little added security. Rentals are passive income for the most part, especially if you have a solid property manager taking care of the details and the other investments are often icing on the cake.

If you want a truly diversified portfolio however, it is a good plan to include a few investments that aren’t related to real estate investing. While I firmly believe that real estate investing is the way to go for most people there is much money that can be made in other fields and it would be pointless to discuss multiple streams of income without mentioning a few that were unrelated to real estate investing. Retirement plans are a great option and you can now invest in a retirement plan of your own even if you are self-employed. It is definitely worth considering as yet another stream of income, even if it is income that you will need to wait a while to receive. Franchise businesses are often great money makers for those who need more immediate results from their investments efforts, and stocks and bonds are also great long term investment strategies.

The truth is that there are many things you can do to create even more streams of income to add to your real estate investments. From making money online through affiliate marketing, blogs, and direct sales you can also tackle brick and mortar businesses, though these tend to be just as time consuming as real estate. The point is that you want to bring in money from different avenues and real estate investing is one of many different routes to explore when deciding on your investment future and establishing those multiple streams of income.

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Real estate investing is a field in which millionaires are made and lost on an almost daily basis. Most of the wealthiest investors in the world will agree that real estate is by far one of the most profitable fields in which you could invest. It also carries some of the biggest risks when it comes to investing at the same time. Real estate investments are large investments for the most part so when you loose on an investment such as this the losses tend to be much greater than when you loose in other investment avenues.

When it comes to flipping houses there are several risks that you should consider before diving in headfirst. While most of the risks are not something you can anticipate or plan for they are risks that you should be aware of and carefully consider before investing in a risky venture such as a property flip.

1) Fickle market. The real estate market is a fickle business. There are countless things that can greatly impact the likelihood that your investment will sell quickly or sit on the market for months on end and most of them are beyond your control Tornadoes strike nearby, crime happens nearby, a big company goes out of business, or a new company moves into the neighborhood. For better or worse all of these things have a profound impact on the real estate values nearby.
2) Neighborhood knowledge. It is very important that you take the time to get to know the neighborhood before you invest in a house you are planning to flip. You want to make sure that your vision for the home fits with the reality of the neighborhood and that the average income of the people in the neighborhood will be able to purchase the home you are creating.
3) Bursting bubbles. I’m sure you’ve heard all kinds of talk about the real estate bubble and how it seams to be bursting. While I’m not sure I put much stock in that I do know that heavy taxes in an area, new taxes in an area, and the encroachment of crime in an area can give you a sudden stream of competition for low prices while also making it more difficult in general for the property to sell.
4) Underestimating your own limitations. This is a big deal when it comes to risks in the business of flipping houses. You need to have realistic expectations before getting in of the time frame for completion, budget, and what you can do yourself and what you will need to hire professionals to handle. If you don’t you can seriously impair your budget and the impact of the work you do as a whole.
5) Underestimating prices. This is another big deal because you need to have realistic expectations when it comes to the price of supplies, tools, labor, and equipment that will be required in order to complete your house flip. Failing to have a reasonable grasp of current prices can have a devastating impact on your budget and how much you can actually accomplish during the course of your house flip.
6) Great profits. While some do not necessarily consider this a risk, excessive profits do work to impair your ability to pull out your wallet at the bank or anywhere else along the way. While we could be all so lucky as to call that a risk it is a very possible outcome of your house flipping attempt as long as you spend at least as much time in planning your flip as you do in executing it.

You should understand that there is no such thing as a no risk flip or a no risk real estate investment. You cannot eliminate the risk all together for the types of rewards that stand to be made through real estate investing and flipping houses. Tread softly, plan wisely, and work diligently in order to make your financial dreams a reality through real estate investing.

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The financial industry greats will be the first to tell you that real estate investing has the potential to bring in serious profits. They will also gleefully inform you that the risks in some cases far outweigh the potential, especially if they are among the more cautious investors in the industry. Those who have made their fortunes in real estate however will tell you that investing in real estate is worth every ounce of risk when you manage to work through the rough patches and find your way to real estate investing fortunes.

Commercial real estate is somewhat unique among real estate investment types. This is the type of real estate that requires a high investment to get into the game, much higher than most residential property and poses equally great risks depending on what you plan to do with your commercial real estate investment. Of course you will also find more than a few options for your commercial real estate investment that many investors find appealing.

Most investors find leasing office or building space to be the safest route to take when it comes to real estate investing is the path of leasing office space or warehouse space to businesses. They feel that this is a relatively steady source of income because most businesses prefer to keep their locations as long as possible. Smart business owners are well aware that customers, clients, and vendors need to be able to find them in order to do business with them and for this reason, prefer to keep their business in the same location whenever possible rather than reestablishing themselves in different locations year after year.

Commercial real estate investing is a bit of a different animal than traditional residential real estate that many of us are more familiar or comfortable with. You will need to do a lot of research before jumping in with both feet with this particular sort of real estate investment. Commercial real estate investments can take on many forms. From strip malls and outright shopping malls to business and industrial complexes to sky scrapers and high rise condos you will find all manner of commercial real estate interests. Whether your interests lie in business or personal types of commercial real estate there are significant profits that stand to be made.

Unfortunately, beginners often find the path to commercial real estate investing laden with thorns. You will need a massive contribution to fund your commercial real estate pursuits and it is probably best if you can find a group of investors in order to share some of the risks. Real estate, in and of itself, is a high-risk venture. Commercial real estate bears a little more of the risks in the beginning however once you’re established and people, particularly investors, know your name you will find that path to real estate wealth is much easier obtained through commercial real estate, if you play your cards right than many other types of real estate investing.

To create even bigger profits it is often best to work as part of a team of investors when it comes to commercial real estate investing. Not only does this approach spread out the risks to some degree but also helps find the good buys, spreads the labor pool, creates an environment of ideas, and allows you to bounce those ideas off one another seeking temperance and enthusiasm for members of your investment group in like measures. It is a great idea for those who are looking to build a prosperous future in the field of commercial real estate investing and can be extremely profitable for all involved.

Commercial real estate investing can be extremely intimidating if you allow it to be. Avoid putting yourself in a situation where you feel out of control or completely uncomfortable for your first commercial real estate investment but if you have the means, the price is right, the deal appears to be solid, and you feel you are ready for the challenge, commercial real estate profits can be a serious motivation.

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Economic news around the country has certainly appeared to be dim in the last few months. As if the housing crisis was not enough, now it appears that the country is in the midst of a recession. The dollar has weakened and many consumers find themselves wondering whether relief is in sight. Quite surprisingly, these problems may actually provide some encouragement for foreign investors to rally the housing market.

One of the reasons that many homeowners are finding it difficult to sell their homes is the fact that many would-be buyers either cannot afford the prices or they cannot qualify for mortgage loans. As a result, they have found they have little choice but to continue to rent and wait for the housing market to stabilize before they venture into the home buying process. Some homeowners are finding interested buyers in a surprising source; however. Today, homeowners are just as likely to discover buyers hailing from abroad as from next door.

Experts speculate that investment from Europeans is likely to increase in the coming months. Many speculate that foreign investors have recognized the value in buying homes in the U.S. Prices have declined, making them far more attractive. In fact, in some cases, foreign buyers could be poised to replace the niche that first-time home buyers held before they were squeezed out of the market as a result of the recent real estate crash.

If this trend continues, it could very well provide some relief for homeowners who either need to upgrade to larger homes or who need to get out of homes they can no longer afford.

Brokers are reporting that inquiries from foreign investors are definitely on the rise. Compared to the number of inquiries that were received just a year ago, many brokers are seeing an increase of as much as five times the amount witnessed just a year ago.

A foreign buyer who invests in a home today would need far less money in terms of euros to make a substantial down payment on a home as a result of the weakening dollar. In fact, foreign buyers today could make what is essentially a $50,000 down payment for little more than 34,000 euros today. A year ago that same buyer would have needed nearly 38,000 euros in order to offer the same amount for a down payment. Quite simply, foreign buyers are able to buy homes in the U.S. for less of an investment than American buyers.

The exchange rate has definitely provided support for increased spending power in many locations. In certain areas, like New York and Chicago, the demand has definitely increased. In some cases, the demand has grown so much that it is actually outpacing supply. California and Florida are also proving to be popular with foreign buyers and investors. The latter two markets, which have been among the hardest hit, are embracing the relief with open arms. Florida, in particular, is still struggling with the crash of the condo market.

Sellers and agents have quickly latched onto the idea that the place to look for interested buyers could very well be overseas. As a result, many properties are now being marketed specifically toward foreign buyers. High-end luxury homes that have languished on the market for months are some of the first to be targeted for interested foreign buyers.

The Internet has proven to be a successful marketing tool in the past and today agents and sellers have discovered it is often the easiest way to reach foreign buyers. Compared to other advertising mediums it is often far less expensive and allows them to reach a broader audience. When marketing properties toward foreign buyers, this can be particularly important.

Foreign buyers may not be the full salvation that real estate agents and homeowners need to completely recover from the housing bust; however, they are certainly providing a bit of welcome relief in many beleaguered markets.

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While the exact dates for categorizing each generation are often in debate, Stefan Swanepoel, author of the 2007 Swanepoel Trends Report, says there is no debate about their existence and the fact that each has very different characteristics, resulting from the events that shaped them.

According to Swanepoel as the Boomers make way for Generations X and Y, the world is gradually dealing with the change – real estate is no exception. Each new generation reacts and seeks to change what the previous generations have done, leaving their own footprint on society and business. Although there is no agreement on the exact dates, the following is the generally accepted rule of thumb.

G.I. Generation (1901 – 1924)
Silent Generation (1925 – 1945)
Baby Boomers (1946 – 1964)
Gen X or Baby Busters (1965 – 1976)
Gen Y/Millenials/Echo Boomers (1977 – 1994)

The first Echo Boomers (Generation Y) are turning 30 next year, which puts the majority of them in their twenties today. They are a determined, daring and smart group that grew up in a period in which the Internet already existed. As a result, they are very comfortable with every aspect of the medium. They have surfed, watched, recorded, listened and downloaded just about everything they can and are now beginning to effect significant change in the real estate industry.

Even as homeowners Echo Boomers approach matters very differently. They are more likely to buy a home at a younger age than previous generations. They are also not like their Boomer parents that waited for marriage or even a long-term relationship before becoming homeowners. Their thoughts, desires and perspectives are going to change the way the industry conducts itself – like it or not.

The real estate industry is facing a large, escalating change in customer demographics. The Internet is maturing and the door is opening for entry into the industry by newer business models that are heavily focused on fulfilling consumer needs rather than just completing a sales transaction. In 2005, 40% of homebuyers were first time buyers and 50% of them were between the ages of 25 and 34 (Gen X and Echo Boomers). Even more telling – 38% of all homebuyers in that period were under the age of 35.

According to numerous studies undertaken by NAR and the California Association of Realtors® (CAR), approximately 70% of all homebuyers start their search on the Internet. In 2003 the percentage of Internet Buyers and Traditional Buyers was equal. In 2000 Internet buyers represented only 30%.

These new savvy online consumers are looking to the Internet as a tool to fulfill their home buying experience. What they use the Internet for and the extent and quality of service available are starting to shape the real estate process. “Home buyers and sellers are a generational melting pot and understanding each generation will soon become paramount for all brokers and agents,” Swanepoel says. “It is quickly becoming a necessity for agents to become a generational expert in order to effectively serve all their home buying and selling customers.”

Learning to work effectively with each different generation is as much about improving one’s personal skill set as it is re-engineering the real estate professional. That said, according to Tom Stevens, immediate past president of NAR, the next generation of homeowners is already beginning to exert its influence on the housing market so there is no time to lose.

Between 2001 and 2005, NAR reported that the number of first time homebuyers under the age of 25 increased from 11% to14%. When you increase that age to 35 the percentage jumps to 64%. Add to that the fact that the median age of buyers who used the Internet to search for homes in 2005 was 38 and the picture becomes very clear. In 2005, 40% were Generation X and 39% were Echo Boomers … that’s 8 out of every 10 new homebuyers.

Gen X and the Echo Boomers represent the push for newer approaches and processes that are integrated into the “technology” platforms they are not only familiar with but the very ones they helped develop. Companies like Edina and others that are re-engineering their businesses to understand, market to and focus on this growing younger market are smart and wise.

For the others, don’t wait too long or you may find your business eclipsed as fast as new concepts like MySpace, YouTube and Facebook became mainstream. If you are looking for more information on how to restructure your company, look no further than the 159-page Swanepoel TRENDS Report.

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