What’s Your Blended Debt Rate?

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By Rick Tobin

A blended rate is a combination of interest rates on multiple loans for an individual or household and calculated as if they were just one rate.

Those very fortunate mortgage borrowers with existing 1st mortgage rates at or below 3% or 4% might be hesitant to choose a new cash-out refinance 1st loan to pay off their rising unpaid consumer debts that may vary between 10% and 30%+ each.

More than 40% of all U.S. mortgage borrowers funded their purchase or refinance loan in either 2020 or 2021 when rates were at or near historical lows, according to data published by Black Knight. Many homeowners don’t want to lose their record low rate by refinancing the mortgage debt or selling, which is akin to a lock-in effect.

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A blended rate analysis for an existing debt comparison to a new cash-out 1st or 2nd mortgage or HELOC (Home Equity Line of Credit) can be simplified by comparing the existing monthly debt obligations for the consumer with a proposed new cash-out mortgage or HELOC that pays off all of the existing mortgage and/or non-mortgage debt.

For example, the Jacksons have a $400,000 1st mortgage that has a 3% fixed rate for 30 years. They funded the loan near the all-time record low time period in early 2021 and now have just under 28 years remaining on the loan.

The Jacksons also have $50,000 in credit card debt that’s compounding at close to 30% and two used car loans which combine for another $50,000 that average near 12%. To simplify this calculation, I used the exact same balances for an easier interest rate calculation estimate of 21% (30% + 12% = 42% / 2 = 21%).

Let’s now add the $400,000 mortgage at 3% to the $100,000 in credit card and automobile loan debt at 21% for a grand total of $500,000. Four-fifths ($400,000) of the Jacksons’ monthly debt is at 3% while one-fifth ($100,000) is at 21%.

● $400,000 mortgage balance: 3% rate
● $50,000 credit card balances: 30% rate
● $50,000 automobile loan balances: 12% rate
● New blended interest rate for all debt: 6.6%

The Jacksons’ blended interest rate in this example is 6.6% for all of their monthly consumer debt when including their mortgage, credit card, and car payments.

The Jacksons explore their HELOC (Home Equity Line of Credit) options that would be recorded in second position behind their existing 3% fixed rate 30-year mortgage that they don’t want to lose.

As of October 18, 2023, the current average HELOC interest rate was 9.02 percent, as per Bankrate (all rates and fees are subject to change). Rates, fees, and APRs (Annual Percentage Rate) are all over the place, depending upon the lender, borrower’s creditworthiness, and daily financial market trends that may rise or fall.

With this HELOC rate estimate provided, we will explore both a 9% and 10% HELOC rate to get the Jacksons $100,000 to pay off their 30% credit card and 12% automobile loan rates.

● $400,000 mortgage balance: 3% rate
● A new $100,000 HELOC: 9% rate
● New blended interest rate for all debt: 4.2%

● $400,000 mortgage balance: 3% rate
● A new $100,000 HELOC: 10% rate
● New blended interest rate for all debt: 4.4%

Either way, a new HELOC that’s used to pay off consumer debt may decrease the total monthly blended rate for all monthly debt by at least 2% (6.6% blended rate – 4.2% or 4.4% blended rate = 2.4% to 2.2% blended rate improvement).

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My best HELOC programs (10-year interest only, 20-year amortizing) may be interest-only for the first 10 years while later adjusting to fully amortizing with principal and interest for a total loan term of 30 years. If I calculate these HELOC rates as interest-only for the first 10 years, the total blended rate payments would actually be even better.

To check your actual current blended rate debt as well as your potential future blended rate if you welcome a new HELOC loan, please enter your own consumer debt data (loan amount, rate, and number of individual loans) here to find out: Blended Rate Calculator.

The average borrower is in their home for about seven years, not 30 years. This is also about the average time period that a borrower holds one or two mortgage loans on their property before they later sell or refinance at a hopefully lower rate.

Snowballing or Compounding Credit Card Debt Examples

Credit card delinquency rates at small banks reached 7.51%, the highest level ever recorded according to the St. Louis Fed.

Average credit card rates surpassed 28% nationwide recently. However, retail store credit cards are now closer to 30%. By comparison, credit card rates averaged closer to 12% back in 2008.

In the 3rd quarter of 2023, new credit card delinquencies reached 7.2% according to the New York Fed Consumer Credit Panel and Equifax.

The average annual percentage rate (APR) for merchant cards, which many holiday shoppers will be using online or at nearby shopping malls, just hit 28.93%. This is a new all-time record, up from 26.72% in 2022, according to Bankrate.

Credit Card Debt Payoff Examples

Now, let’s compare how much time and interest is required to pay off a credit card debt balance of $20,000.

Many credit card issuers may have different minimum payment allowances which may vary from a minimal fixed dollar amount up to the interest plus 1% of the unpaid principal balance that’s paid monthly.

For example, let’s start with minimum payment example #1 that includes just interest-only with no principal paydown each month:

Credit card payment #1:
Unpaid credit card balance: $20,000
Interest rate: 28.93%
Annual interest paid for one year: $5,786 ($20,000 x 28.93%)
Monthly interest-only payments: $482.17 ($5,786/12 months)

If the borrower just pays the absolute minimum interest-only payment of $482.17 per month, it will take 41 years and 7 months to pay off the unpaid balance. If so, this is 11 years and 7 months longer than a brand new 30-year fixed rate mortgage.

The total interest paid by the borrower over this time period would be $220,496.44 (11 times the original $20,000 balance). To verify yourself, here’s the specific credit card payment example #1 link on Calculator.net.

Credit card payment #2:
Unpaid credit card balance: $20,000
Interest rate: 28.93%
Payment option: Interest + 1% of principal balance
Annual interest paid for one year: $5,786 ($20,000 x 28.93%)
Monthly interest-only payments: $482.17 ($5,786/12 months)
Payment of an extra $200 in principal ($20,000 x 1% = $200)
Total minimum monthly payment (interest + 1% of principal): $682.17

The payment of the absolute minimum interest-only ($482.17/month) plus 1% of the original $20,000 unpaid principal amount ($200 in principal) for a grand total of $682.17 per month will take 4 years and 4 months to pay off the entire balance in full. The total interest paid will be $15,134.49. To confirm yourself, here’s the specific link for credit card payment example #2 on Calculator.net.

Student Loan Debt

U.S. student loan balance: $1.8 trillion (fourth quarter of 2023)

Just 500,000 borrowers out of 43.5 million student loan borrowers, a 1.15% payment rate, were paying on time prior to the October 1, 2023 payment restart date. Many of these average $500+ per month student loans are adjustable and are likely to increase over time, sadly.

The average federal student loan debt is $37,338 per borrower. Private student loan debt averages $54,921 per borrower. Twenty years after entering school, 50% of the student loan borrowers still owe more than $20,000 each on outstanding loan balances, according to the Education Data Initiative (May 22, 2023).

Just 90 days after the October 1, 2023 student loan payment restart date, any ongoing delinquent student loan payments may be shared with the credit bureaus as early as January 1, 2024. If so, the FICO credit scores for delinquent student loan borrowers may begin to fall as their borrowing costs for future loans may rise as well.

Worsening Automobile Loan Sector

In September 2023, Fitch Ratings reported that 6.11% of automobile loan borrowers were at least 60 days late on their payments. This is the highest delinquency rate since the early 1990s.

While a 30-day late can often be a mistake by a borrower who forgot about their payment, a 60-day later indicates possible significant financial challenges. Few people want their car repossessed, so it’s usually a top priority monthly debt obligation that a borrower will focus on to get paid each month. Without a car, how does someone get to school, work, or to visit friends and family if they don’t have access to affordable and convenient public transportation nearby?

  • Average subprime car loan rates are reaching the 17% – 22% loan rate range.
  • The percentage of subprime auto borrowers who are 60+ days past due on loans hit an all-time record high of 6.1% in September (#2 highest: 1994 – 6.0%; and #3 highest: 2008: 5.0%).
  • The average new car price is now higher than $48,000.
  • Average new car payment rates are near $750/month and the average student loan payment is just over $500/month. For consumers with both forms of debt, they are paying close to $1,250 per month for just their car and student loan while not counting insurance, gasoline, or maintenance for the car.
  • The average used car price now is $30,700 as compared with an average used car price just under $8,000 back in 2008.
  • The average loan-to-value ratio for a used car is 125% LTV (no money down + taxes, license, registration, warranty, other fees, and declining value over time).
  • There are now 20,000 car repossessions PER DAY (600,000 per month) while rising exponentially each consecutive month. If the same pace of rising and compounding car repos continues onward, there might be upwards of one million car repos PER MONTH in 2024 (yes, one million per month).

There are approximately 100 million car loans across our nation. However, there are an estimated 276 million automobiles nationwide, so the car loan-to-total cars nationwide ratio is just over 36% (100 million/276 million = 36.23%).

Moody’s recently warned about potential automobile loan and credit card default rates as high as 9% to 10% in 2024. If so, this might be equivalent to nine to 10 million car loan defaults or repos out of the total 100 million car loans. If proven true, a nine to 10 million car loan default rate would make the one million car repossession projection for 2024 seem much too conservative and only a fraction of how bad the car delinquency numbers may reach.

California Mortgages: 50-Year Analysis

Between April 1971 and September 2022, the average 30-year fixed mortgage rate was 7.76%. Today’s 30-year fixed rates for consumers are fairly close to this historical 50-year average, depending upon their creditworthiness and whether it’s a conventional, FHA, VA, or non-QM type of loan.

The 30-year fixed rate peaked near 18.6% in October 1981. In January 2022, some 30-year fixed rates temporarily reached the high 1% to low 2% rate range.

Over the past 50 years, the typical California homebuyer spent 43% of their income on house payments. Today, the average homeowner spends closer to 58% to 65%+ of their monthly gross income on mortgage payments (principal, interest, taxes, insurance, and HOA, if applicable). After paying state and federal income taxes, many California homeowners are more likely paying closer to 70% to 80% of their net monthly income towards their monthly housing debt.

The median price of a California home over the past 50 years was $331,000. In September 2023, the median statewide price reached $843,340, according to the California Association of Realtors. This is almost more than double the median national home sales price that hit $431,000, as per the St. Louis Fed.

Over the past 50 years, the average monthly mortgage payment was $1,627 at 80% LTV with 20% cash down. In 2022, the average mortgage payment reached $4,043/month, a 148% increase.

In the fourth quarter of 2023, let’s review a potential new mortgage payment for a median home price in California that’s near $840,000:

Down payment percentage amount: 20% down payment (average is 6% down nationwide)
Down payment dollar amount: $168,000
New loan amount (80% LTV): $672,000
30-year fixed mortgage rate: 8% (example only, subject to change)
Monthly mortgage payment: $4,930.90 (principal and interest)

This example above does not include any monthly property taxes, insurance, or homeowners association (HOA) payments, if applicable.

The average household income for Californians over the past 50 years was $45,700. Today, the average income is closer to $84,000. This 84% increase in income isn’t enough to cover the 148% increase in mortgage payments, sadly.

A 20% down payment over the past half century for Californians was $66,000. In 2023, the average down payment increased to $168,000, which is a whopping $102,000 down payment increase.

Finding more affordable monthly blended rate payment options are what you should focus on these days as we all see consumer debt balances and interest rates either heading towards or surpassing all-time historic highs.

Please contact me today for a FREE blended rate analysis of your personal debt. You may be pleasantly surprised to learn how I can help reduce your overall blended rate, monthly payments, and possibly eliminate years or decades’ worth of extra debt payments.

Rick Tobin

Rick Tobin has worked in the real estate, financial, investment, and writing fields for the past 30+ years. He’s held eight (8) different real estate, securities, and mortgage brokerage licenses to date and is a graduate of the University of Southern California. He provides creative residential and commercial mortgage solutions for clients across the nation. He’s also written college textbooks and real estate licensing courses in most states for the two largest real estate publishers in the nation; the oldest real estate school in California; and the first online real estate school in California. Please visit his website at Realloans.com for financing options and his new investment group at So-Cal Real Estate Investors for more details. 

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411.com or our Eventbrite landing page, CLICK HERE.

Realty411’s VIRTUAL Investor’s Summit – Learn From Our Experts ONLINE!

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Date and time:
November 3rd (Friday) and November 4th (Saturday), 2023
9 AM to 3 PM PT (East coast time: 12 PM to 6 PM ET)

Location:
Online

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About this event

Attention savvy real estate investors, it’s time for another educational and exciting Realty411 Virtual Investing Summit uniting readers for an amazing day of information and motivation.

Register for Our NEW Virtual Investing Summit being held on Friday, November 3rd and Saturday, November 4th, 2023, from 9 AM to 3 PM PT (East coast time: 12 PM to 6 PM ET).

Guests can join Realty411’s complimentary investing summit and learn from experts sharing important knowledge, strategies, and insight.

Realty411 will virtually unite some of the most successful, knowledgeable and savvy investors in the REI (Real Estate Investing) industry to help our readers make educated and informed decisions. These educators have joined our in-person events in the past as well.

Since 2007, Realty411 has produced real estate-investing events and expos throughout the nation.

Our mission is to educate and empower individuals to invest in real estate. Our virtual events have united thousands of new and sophisticated investors in real-time from 47 states so far — in total representing 375 cities across the United States.

Join us for an amazing day of real estate education. Every online event we produce is unique, be sure to reserve this day for REI learning at its best.

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OUR COMPLIMENTARY VIRTUAL CONFERENCES HAVE REACHED THOUSANDS OF INVESTORS – THIS IS YOUR CHANCE TO LEARN EXPERT STRATEGIES ONLINE.

* Learn from Leaders & Industry Pros

* Chat with Local + Out-of-Area Investors

* NON-Stop Tips for Real Estate Success

* Learn with Long-Term leaders in the REI Industry

* Receive the Latest REI Knowledge from Real Investors

* Discover the Power of Leverage with OPM and Creative REI

* Save money with Realty411VIP.com’s Merchant Discounts

We Have Been Sharing Life-Changing Information for 17 Years!

RSVP for this awesome event today, additional details, as well as speaker information and updates, will be shared after registering for this event. A Zoom link will be shared with registrants prior to the event.

Join from a PC, Mac, iPad, iPhone or Android device – Schedule will be sent to all guests. Thank you.

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

Intro for Curious Agents – 9 Ways to Get Paid with Real + Our National Team

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Date and time:
Thursday, October 26 · 2:30 – 3:30am AWST

Location:
Online

About this event:
1 hour
Mobile eTicket

WELCOME REAL ESTATE AGENTS AND BROKERS

Our NEW VIRTUAL event is for existing agents and brokers curious about learning more about the fastest-growing nationwide brokerage, REAL.

Join Realty411 and REAL agent/investor, Hugh Zaretsky, for a special one-hour meeting sharing the benefits of joining The REAL Brokerage.

At this online event, guests will learn about the 9 Ways REAL Agents and Brokers Can Get Paid. You can invite your contacts or team to this informative webinar to learn more about REAL as well — all active agents/brokers are invited.

Be sure to join our Zoom meeting at 11:30 AM PT / 2:30 PM ET, register for this event and a Zoom link will be sent, thank you.

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

Auction.com’s Executive Vice President to Be Keynote Speaker at the 4th Annual LA Real Estate GRAND Expo – Learn More

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EXECUTIVE VP WITH THE NATION’S LARGEST DISTRESSED MARKETPLACE TO SPEAK ABOUT EXISTING INVESTMENT CLIMATE AT 4TH ANNUAL LA REAL ESTATE GRAND EXPO

Steve Price, Executive Vice President of Foreclosure Auction Services, with Auction.com is scheduled to be the featured Keynote Speaker at the 4th Annual Los Angeles Real Estate GRAND Expo this Saturday, October 21st.

The Expo, which now begins at 8 AM PT, is scheduled to attract over 700 investors from around the nation for one special day of learning, networking and collaboration.

The event is being held in West Los Angeles, California, and features 15 educating speakers and dozens of exhibitor tables from leading real-estate companies.

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Guests at this complimentary community real estate event will gain insight into today’s realty investment market from one of the nation’s top leading REI companies.

To put into perspective the impact that Auction.com has on the existing local and national real estate investment landscape, investors can take note that Auction.com is the nation’s largest distressed real estate marketplace.

Company Statistics, Include:

Mr. Steve Price, E.V.P, Auction.com

4th Annual Los Angeles Real Estate Grand Expo

We are very excited to announce our 4th Annual Los Angeles Real Estate Grand Expo. The Grand Expo returns on Saturday, October 21, 2023, 9:00 am to 6:00 pm. We’re taking over the entire Iman Cultural Center for the day – it’s all ours!

The North Hall (vendor exhibition area), the South Hall (workshops), and the middle parking lot (loaded with workshop tents and food trucks). The theme of this year’s Grand Expo will be “Hedge Inflation – Buy Real Estate”.

Last year, the Grand Expo was the largest real estate event in Southern California. We had over 800 investors, 64 vendors, and 12 national speakers…this year will be even BIGGER!

An entire day celebrating real estate investing and you can be involved. Best of all, the Grand Expo will be FREE to attend. This Expo is going to be big, really BIG! We are hosting investors from around the nation once again.

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EDUCATORS. There will be national guest speakers (in three breakout rooms). Here is a partial list of our top educators:

1. Jonah Dew – “The Money Multiplier”

2. Eddie Speed – “Buying Discounted notes”

3. Rusty Tweed – “1031 Tax-Deferred Exchanges”

4. Joe Arias – “How to Get Started Investing”

5. Christopher Meza – “Developing Raw Land”

6. Tony Watson – “Tax Advantages for R.E. Investors”

7. Dani & Flip Robison – “Get Real: Stop Telling Yourself You Can’t”

8. Abbas Mohammed – “Investing in Multi-Residential Properties”

9. Marco Kozlowski – “How to Buy Lots and Lots of Houses”

10. Amanda Brown – “Invest in Commercial Real Estate”

11. Shawn Tiberio – “Marketing for Real Estate Investors”

12. Joseph Scorese – “How to Finance Your Next Deal”

13. Jeremy Rubin — “From Employee to $100M in Flips”

14. Steve Price (Keynote) – Vice President at Auction.com

15 Seth Phillips – BONUS AT 8 AM – “Meet Mr. ADU”

INVESTMENT EDUCATION. An all-day in-depth educational extravaganza celebrating real estate investing. Most importantly, this will NOT be a sales pitch. So regardless of whether you are a new investor, already own properties, or are very experienced, our Grand Expo is for you!

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

Bid4Assets to Host Online Tax-Defaulted Property Auction for Los Angeles County Treasurer’s Office

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The online sale will open October 21 with over 900 properties starting as low as $1,664

LOS ANGELES, Oct. 12, 2023 — The Los Angeles County, California Treasurer’s office will conduct its latest tax sale with a leading online auction platform for distressed real estate sales, Bid4Assets, the leading online auction platform for distressed real estate sales. The sale will feature a mix of vacant land of various sizes and acreage. All auctions will have no reserve price, meaning the highest bid at or above the minimum will win the auction.

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By conducting the sale online, Los Angeles County is exposing the sale to Bid4Assets’ national buyer base in order to return a greater amount of distressed properties to the tax rolls. Funds generated from the sale support essential county services, which can face shortfalls when taxes go unpaid.

Los Angeles County previously hosted a virtual tax delinquent property sale in April 2023 on Bid4Assets. This sale resulted in 335 properties being sold at auction, with 202 properties being withdrawn from the auction and $13,051,137 generated in sales proceeds. Bid4Assets has been conducting online auctions for Los Angeles County since 2014.

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“We’re honored to serve Los Angeles County and help bring greater levels of efficiency to their tax foreclosure sale process,” says Bid4Assets President Jesse Loomis, “Our format is proven to boost local participation, increase auction sales and free-up staff to dedicate more time towards assisting property owners seeking to redeem their property.”

Auctions will open October 21 beginning at 3:00 PM PT and begin closing at staggered times between 8:00 AM PT and 3:00 PM PT on October 24. A free Bid4Assets account is required to participate in the sale. Bidders must submit a $5,000 deposit to qualify for bidding. Deposits are due by October 17. To view a list of available properties, visit www.bid4assets.com/lasale.

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

How to Buy a Mobile Home for Real Estate Investing

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By Joe Arias

Are you looking into how to buy a mobile home for real estate investing? First, you need to understand whether or not buying a mobile home will be a worthwhile investment. If you follow the proper steps for mobile home investing, it can certainly be a profitable business venture. Before getting into the steps you need to take to have a profitable mobile home real estate company, let’s first look at the pros and cons of investing in these types of properties. 

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Pros of Investing in Mobile Homes

Mobile homes are advantageous because they are cheaper than investing in other types of real estate. Because they are mass-produced and not built one-by-one like homes, they cost much less than traditional houses. 

Because they are less expensive, you may be able to invest more money in making them a little more modern. You can add things like granite counter, hardwood floors, and updated appliances with the money you save from buying mobile homes. This increases the value and helps get them rented or sold faster. 

As house prices rise across the country, more and more people are looking for affordable options. As a mobile home real estate investor, this puts you in a uniquely profitable situation. Mobile homes are beginning to be seen as a viable option to replace a more expensive traditional house. Even better, mobile home tenants tend to rent for more extended periods of time than those in apartments or traditional homes. This helps you avoid lost rent between tenants. 

Cons of Investing in Mobile Homes

Unfortunately, many people view mobile homes in a negative light. They do not see them as respectable options for homes. This view is slowly changing, but it is something to keep in mind. You simply won’t have the same demand for mobile homes as you would a traditional property. 

Mobile homes can quickly become costly if you invest in the wrong property. Some mobile homes may require you to buy the land you want to keep it on. This is something you need to keep in mind when determining your expenses and return on investment. You should also note that, unlike houses, mobile homes depreciate in value relatively quickly. This is great if you want to buy an old mobile home and fit it up, but not great for resale value if you ever want to get rid of the property. 

Finally, you may run into trouble trying to finance your mobile home. Traditional lenders often won’t fund you the way they would if you were buying a traditional house. If the mobile home you are buying does not already come with land, it’s likely you will not receive financing. This is something you need to consider before jumping into buying a mobile home. 

Now that we’ve got the benefits and drawbacks out of the way, we can look at improvements you can make to mobile homes. These will help raise property value and allow you to charge more for the mobile home. This can help you develop a good revenue stream and allow you to grow your real estate investment portfolio. 

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Improvements to Increase the Value of Your Mobile Home

Attic

The attic of a mobile home is probably the most overlooked area, but it has some great potential. Even if you don’t have the room to build a full-sized building on top of your home, you can easily create a multi-level living area by installing adequate insulation on the interior walls. One way to boost your home’s value is to build an attic loft and add an elevator or stairway connecting it to the ground floor.

Conversion

A second option for upgrading your home is to convert it to a larger house. In this scenario, you would tear out the interior walls and put in new ones. The following are some other types of conversions that can be beneficial: A sunroom (to create more living space), an addition on the side (to add more bedrooms), a deck area (to create outdoor living space), and a basement expansion (so you have a place to keep all of your possessions that aren’t stored in the attic).

Upgrades

A third option is a simple upgrade of the home’s interior. The first thing to do is keep the original ceiling and replace it with a higher-quality material, such as wood. Some other upgrades that can be made to the structure include vinyl and natural flooring, new bathroom and kitchen fixtures, new doors, appliances, and cabinets.

Landscaping

If you are looking to make your mobile home more appealing, you should focus on the building’s exterior. There are plenty of ways that you can upgrade your property to make it more attractive. You can change out the landscaping, which will provide an area of privacy and allow for greater land value. One way to make landscaping more appealing is to add a deck or patio area to have a designated area for outdoor living space.

Exterior lighting

Another significant exterior improvement is the addition of outdoor lighting. Lighting can also boost your home’s value because many buyers prefer homes with street lights, walkways, and security lights. Your home’s lighting should be made up of high-quality, energy-efficient HID bulbs to ensure that it is both safe and functional.

Front Porch

The front porch is a large area that can be made into a place to entertain or relax. Adding a new roofing material to your home’s exterior above the porch can give it a facelift while also bringing in some more value. There are many types of roofing materials, but the most popular is asphalt shingle. Be sure to get a warranty with the roofing installation, so if something goes wrong with it, you can fix it.

Fencing

The final exterior upgrade is fencing. Fences are a great way to increase the value of your home while also giving it some privacy and protection. A fence can be made from many materials, but most are either wood or vinyl.

These are just a few of the ways that you can go about upgrading your mobile home and making it more valuable. Just remember to keep the safety of your customers in mind.

Advantages of Mobile Home Investing

There are several advantages to investing in a mobile home. As stated before, they are cheaper than investing in another type of real estate. They are easy to find and can be located in more appealing areas. They can be bought for less than they cost new. If you don’t have the money to buy your home new, you can get one that is pretty close to new for a lower price. In addition, you can find mobile homes that are in great condition and ready for someone else to move into. That is a rare opportunity to buy a piece of real estate and have someone else pay you to live in it.

What Determines a Good Property Investment

There are many important factors to consider and evaluate when determining whether or not a home is a good investment:

  1. The property must be located in a strong, healthy real estate market.
  2. The property must offer the potential for both upside and downside growth with a low vacancy rate of tenants. 
  3. The property must be professionally managed to keep vacancy rates low and the property in good shape.
  4. The property should be purchased below market value (what it would cost you to build, if ever).
  5. The cash flow should exceed at least 5% per month, preferably more like 15% or 20% per month.

For most people, the ideal investment would be a home that provides long-term value growth (appreciation) but with modest increases in monthly income (cash flow).

Tips for Buying Used Mobile Homes

There are several tips that you can follow if you want to be successful when it comes to buying used mobile homes. First, make sure you take lots of pictures of the mobile home and its surroundings so that you can genuinely get a good idea of what it looks like. Additionally, don’t go into negotiations thinking that the seller will give you a good deal. Instead, make an offer that you think is fair, and you can live with. Lastly, remember to avoid being taken advantage of by people trying to sell you used mobile homes for a lot more than they are worth. When considering a price that seems fair, look into recent sales on comparable mobile homes in the area. Take into account what you plan to make through renting it or reselling it, and make sure the return on investment is high enough. 

Tips for Selling Used Mobile Homes

The following tips will help you maximize the profit in your mobile home. First, make sure that there is nothing that needs to be repaired before you sell it. Make any necessary repairs or changes to ensure that it sells for a profitable and fair price. Additionally, make sure that you clean out the mobile home of any personal items. If it is presented as clean and not in need of any repairs, it will be easy to get someone to pay you a fair price. Lastly, be entirely transparent about the mobile home and anything they need to know about it. Buyers who view you as untrustworthy will not want to buy from you.  

Process of Buying a Mobile Home

Conducting a simple investigation online can help you learn how to buy a mobile home, which is relatively easy. Once you find a mobile home, you can sign a contract immediately to ensure that the mobile home doesn’t get sold to anyone else.  Once the contract is signed, the seller will need to provide information about the property. This information includes details such as who owns the property and if there are any liens against it. Once all of this information has been collected, the title will be transferred, and the buyer will have control over the mobile home.

Summary

When you are looking for a mobile home, it can be a daunting task. However, if you remember to think about your needs first and then look at the available mobile homes, it will make the experience much more enjoyable. Additionally, remember not to fall victim to scams while looking at mobile homes. Do your research to find good areas to invest in mobile homes. Understand the best investments that work with your capital and what you expect to make from your investments. 

To learn more about real estate investing, check out the education services we offer to help you succeed in your real estate investment career.  

Joe Arias and his partners have flipped hundreds of properties in the Southern California Region. He has developed cutting-edge systems to simplify and scale the entire remodel process that can easily be applied to flipping, rentals, wholesaling, and other passive income strategies. More recently, Joe founded a real estate investing education company called RealSuccess Investments, allowing him to share his tools and systems with hundreds of up-and-coming investors. 

RealSuccess is focused on education on flipping, rentals, passive income, and wholesaling.

Joe is also a best-selling author. He has written 4 books: Finding your RealSuccess, First Steps to Flipping, R stands for Rentals and Retirement, and Wholesaling Real Estate.

“I came from Argentina when I was 20, I am 40 years old now. I didn’t know anyone, I am CERO generation, usually people say, I am first or second generation but I was the one that crossed the border, no language, no friends, no family, no money, nothing, nada… If I can do it, anyone can.”

From a young latino immigrant  to a celebrated real estate investor, Joe is a true testament to hard work and discipline. As an investor, he has made it his mission to help others achieve financial freedom while enjoying living a life of passion, fulfillment, and empowerment.

RealSuccess Website

www.ourrealsuccess.com

Personal Instagram: 

https://www.instagram.com/joeariasinvestor/

Real Estate Investment- Instagram: 

Instagram: https://www.instagram.com/realsuccesseducation/

Video For Finding Money from All Day Training (10 Hour Seminar)

https://vimeo.com/manage/videos/528446162

1 Hour Webinar

https://vimeo.com/manage/videos/530996751

Amazon Book#1:

Amazon Book#2

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

Land Flipping & House Flipping – Are They Different?

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By Tamera Aragon

I have been buying and selling residential real estate as a real estate investor for almost 7 years now. I have invested in just about every avenue of real estate investing from Pre-construction, Assignments, Tax liens, Rehabbing, Probate, Bankruptcies, Pre-foreclosures, Short Sales, Foreclosures and REOs, Buy & Hold, and FSBO’s. I have profited from literally all of these strategies and showed others how to as well.

However, lately I have learned about a twist to an old strategy, one that I had heard about, but never done. Buying land and re-selling it via owner financing for a monthly profit, is the new real estate investing strategy. It goes even further, after you buy it and sell it with owner financing you can then eventually flip this property to another buyer. I picked this up from Jack Bosch, who has closed over 5400 land deals himself and I think he is on to something!

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I have found the biggest stopping points for many of my new real estate investing students are usually:

#1 – The risk of getting into something they cannot find funding for and letting people down
#2 – Getting into a deal and finding out later something was missed, causing financial loss.

Many new real estate investors are frozen stiff because of these fears. It is for this reason I’ve listed some of the reasons a real estate investor might want to add land flipping to their portfolio of investments.

Why Land Flipping Might Be Better

There is virtually no competition for land, especially rural land. This area of investing is over flowing with a lot of opportunity – there is an abundance of forgotten land out there that sells for cheap! You can purchase land for literally pennies on the dollar.

With land you do not have to know as much about real estate like construction, termites, mold and all the other things of that nature that you must know when investing in houses.Here are some compelling reasons to add land flipping to your real estate investing portfolio:

  • Very low, (or sometimes none), acquisition costs
  • Lower risk – limited money down to lose
  • Lower inspection requirements
  • Quicker closings
  • Less initial capital output
  • Buyers are usually more savvy investors
  • Good Potential for monthly residual income with your owner financing
  • Usually no upkeep required
  • Usually low holding costs (no fire insurance, fix up, utilities involved)
  • Higher number of buyers are repeat buyers (compared to home end buyers)

Why Houses Flipping might be Better

For some real estate investors flipping houses might have been the first investing niche that they started in. Let’s list the major reasons why house flipping is a good investing strategy:

  • More potential to generate income while you hold it – owner financing or renting
  • Everyone needs a house since shelter is a basic necessity of life. Not everyone needs vacant land
  • Potential to profit big doing just one good deal
  • Potential for higher monthly residual income per property
  • A lot more home owners in desperate situations than there are landowners.

Compared to the land flipping, house flipping might seem better, but the acquisition and maintenance cost are much higher for house flipping. Another thing to note is that land flipping profits on average, are lower than house flipping, and you must do more deals to profit higher dollars.

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Research the Region

Look for these market positives when investing in both land and housing deals:

  • Unemployment rate in the area of purchase is low compared to the national unemployment rate
  • Be sure to keep your ears open for news of major business expansions
  • General area & its population is growing and expanding. If it is, best if the area is expanding in the direction of the property you are interested in buying
  • Talk to the city and county planning and zoning agencies where the property is located; they will be able to give you valuable information about area growth and building projections.

6 Ways to Minimize Investing Risks

Here is a list on how to lower your risks for investing in houses or land before closing on any deal:

  1. Run necessary tests and inspections depending on specific area and property
  2. Check with county records to verify no complaints or notices for required repairs are filed
  3. Make sure you work with contract escape clauses to assure you can walk away for any reason.
  4. Avoid giving check or cash money down until you are positive you are going to close.
  5. Make sure that your purchase contract is worded in such a way that it allows you to only transfer cash at the time of closing.
  6. Make sure the title is not “cloudy” and property is marketable. Remember IRS liens have to be paid! If you buy a property with those liens, that bill becomes yours. Do your due diligence in running a title report before closing.

Land and House Flipping Similarities

In summary, you can follow a lot of the same strategies marketing to land owners as I’ve always done buying & selling to home owners. The best type of deal, whether land or houses, is when the seller, for one reason or another, wants a quick & easy way out of the obligation of owning their house or land – leaving you the opportunity to buy at a discount and profit in the short and/or long term depending on your goals!

Real estate investing, just like most things in life, has benefits and risks no matter how you look at it. There are always those unknown and unexpected circumstances. In the scheme of things, you need to decide…are you able to live a peaceful, joyful life as you are building your wealth through real estate investing in land and/or houses. Your personal risk tolerance is what only you can decide. I am doing both wholesale land and house flipping and holding, looking at each deal individually. Because most importantly, it is all about profitability and the bottom line!

Most Important!

Universally, success is about having a system, a RE power team and a mentor to help you down the path of real estate investing. Those are the keys to your success. Surround yourself with experienced people who are doing real estate investing successfully – they already have figured out the “code”. You can learn from them so – “Why re-invent the wheel?”, as they say.

Knowing you have experience at your side alleviates those fears of the unknowns, increasing the chances for a faster, easier and happier ride to the peak of real estate investing success. I would like to leave you with a quote:

“Perhaps the very best question that you can memorize and repeat, over and over, is, ‘what is the most valuable use of my time right now?’” – Brian Tracy: Professional Development Author & Speaker

Tamera Aragon

Tamera Aragon is a professional online entrepreneur and has bought and sold over 300 properties, establishing her as an expert in the real estate investing field. Since 2003, she has purchased over 10 million dollars in real estate and currently holds properties all over the world. Tamera’s focus is on the booming Foreclosure market, buying Pre-foreclosures, REOs and Short Sales. Tamera who is a noted Author, Success Trainer, Speaker & Coach, shows her passion for helping others with the 17 websites she has created and several specialized products to support fellow investors throughout the world. When Tamara is not busy running her website, she is very involved with her Fiji joint ventures and investments. Tamera Aragon is one of the few trainers and coaches who is really “doing it” successfully in today’s market. Tamera’s experience has earned her a solid reputation in the industry as well as the respect and friendship of many of the top national real estate investment and internet marketing experts. Tamera Aragon believes her success has garnered her the financial freedom to fully enjoy her marriage and spend quality time with her children.

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

New Educators Added – Get the Latest 411

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4th Annual Los Angeles Real Estate Grand Expo

We are very excited to announce our 4th Annual Los Angeles Real Estate Grand Expo. The Grand Expo returns on Saturday, October 21, 2023, 9:00 am to 6:00 pm. We’re taking over the entire Iman Cultural Center for the day – it’s all ours! The North Hall (vendor exhibition area), the South Hall (workshops), and the middle parking lot (loaded with workshop tents and food trucks). The theme of this year’s Grand Expo will be “Hedge Inflation – Buy Real Estate”.

Last year, the Grand Expo was the largest real estate event in Southern California. We had over 800 investors, 64 vendors, and 12 national speakers…this year will be even BIGGER! An entire day celebrating real estate investing and you can be involved. Best of all, the Grand Expo will be FREE to attend. This Expo is going to be big, really BIG!

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SPEAKERS. There will be national guest speakers (in three breakout rooms). Here is a partial list of our top educators:

1. Jonah Dew – “The Money Multiplier”
2. Eddie Speed – “Buying Discounted notes”
3. Rusty Tweed – “1031 Tax-Deferred Exchanges”
4. Joe Arias – “How to Get Started Investing”
5. Christopher Meza – “Developing Raw Land”
6. Tony Watson – “Tax Advantages for R.E. Investors”
7. Dani & Flip Robison – “Fixing & Flipping Houses”
8. Abbas Mohammed – “Investing in Multi-Residential Properties”
9. Marco Kozlowski – “How to Buy Lots and Lots of Houses”
10. Amanda Brown – “Invest in Commercial Real Estate”
11. Shawn Tiberio – “Marketing for Real Estate Investors”
12. Joseph Scorese – “How to Finance Your Next Deal”
13. Jeremy Rubin – “From Corporate Employee to $100M in Flips”
14. Steve Price (Keynote) – VP at Auction.com

INVESTMENT EDUCATION. An all-day in-depth educational extravaganza celebrating real estate investing. Most importantly, this will NOT be a sales pitch. So regardless of whether you are a new investor, already own properties, or are very experienced, our Grand Expo is for you!

AMAZING NEW EDUCATORS ADDED!

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Expand Your Knowledge of REI in NYC

Network and Learn in Manhattan

This special event will help investors gain specialized insight and knowledge about real estate investing, entrepreneurship, finance and other life-changing subjects. The information shared on this day could catapult your real estate portfolio to new levels of success!

Are you ready to Grow Your Real Estate Business in the East Coast?

This is Your Chance to meet TOP Leaders in REI, Local & National Experts.
Learn from Leaders & Industry Pros, NON-Stop Tips for Real Estate Success, Bring Lots of Business Cards!

DOWNLOAD AND LEARN TODAY

READ IT NOW
NEW FEATURE

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

How To Win at Real Estate Investing Despite Sky-High Interest Rates

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Asset-Based Lending Can Boost Your Borrowing Capacity

A real estate investor can get financing for an investment property through asset-based lending. This kind of loan is determined by the borrower’s liquid assets and credit score, not by their income or employment history.

When compared to dealing with institutional banks, the asset-based loan application process is typically quicker, requires less paperwork, and results in cash in hand sooner, allowing you to make larger purchases and advance as a real estate entrepreneur. Asset-based loans are a specific type of bridge loan (12-24 months) used only for investment and commercial properties.

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If you have a foreclosure on your record or poor credit and are having problems securing a loan from conventional banks, asset-based lending can be advantageous. It is particularly beneficial if your real estate investing business is expanding quickly and you need money to keep going.

How Do Asset-Based Loans Work?

Hard money lenders in asset-based lending use your collateral, in this case real estate, to assist you in getting more money to finance additional real estate projects. If your money is invested in real estate, it is not liquid, and if your business is expanding quickly, it’s likely that you need more money to keep expanding. Hard money lending can help in this situation.

Compared to traditional banking institutions, hard money lenders can provide you cash faster, with less red tape and more flexibility. A hard money lender will consider your accounts receivable, equipment, and inventory in addition to the equity in your current real estate assets to determine the amount of your loan. Hard money lenders typically charge a higher interest rate than standard banks because the real estate is not liquid and you are not borrowing against your own income.

What Are The Benefits of Asset-Based Lending?

Asset-based financing has a number of advantages, whether you’re attempting to find out how to fund a multi-family property or require a commercial loan.

These loans often close more quickly and with less paperwork than traditional loans. These loans have less stringent underwriting requirements and higher interest rates, but they also close more quickly than term loans.

The gap between expenses and incoming cash receipts for your company can be filled by cash flow asset-based lending solutions.

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The loan amount is unrestricted, so you are free to utilize it however you see fit (such as equipment purchase.)

Stratton Equities will make it simple for you to convert your collateral into cash through asset-based financing so you can fund your next big idea. Call Stratton Equities at 800-962-6613, send us an email, or fill out an application for loan pre-qualification right away if you have an investment or commercial property and would like to talk with one of our Loan Officers.

Michael Mikhail, CEO Stratton Equities

Michael Mikhail is the Founder and CEO of Stratton Equities, the nation’s leading hard money-lender to national real estate investors, with the largest variety of mortgage loans and programs nationwide.

Having launched Stratton Equities in early 2017, Michael has always been an entrepreneur and innovator in the real estate market, purchasing his first home at 19.

A serial entrepreneur with a foresight for business opportunities, Michael had a slew of small businesses prior to launching Stratton Equities. One of his most prolific ventures was a car wash connected to a gym he was affiliated with in Florida during 2001-2002 while attending college.

It wasn’t until he graduated from Florida State University with a degree in Business, that he officially joined the mortgage industry in 2003 and decided to travel to explore his options globally.

After travelling to 19 countries in 5 years, Michael knew two things; he wanted to start his own business and launch it in the United States. He knew that moving back to the states was the best place he could start something small and grow it into something infinite.

In 2017, Michael noticed how the mortgage industry had transformed after the regulations presented from 2008-2012, and knew it was time to set out something on his own, thus creating Stratton Equities.

Under Michael’s leadership, Stratton Equities has grown into one of the biggest leaders in the Mortgage and Real Estate industry across genres and platforms.

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.

How to Start a Property Management Company

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By Joe Arias

If you are thinking about getting into the real estate investment business, you might consider starting a property management company. A good deal of experience and knowledge is required, but it can be quite lucrative if you succeed in setting up a profitable property management company. This article will go over the necessary steps to set up a successful property management company and start making money through real estate investing.

If you’re interested in setting up a property management company, you’ll need to establish a legal entity. Many different legal entities can be used in the real estate investment business, but the most common is a limited liability company (LLC). An LLC can be a good choice because it allows you to operate an enterprise as an individual or with partners without worrying about filing forms and going through the costs of becoming an S Corporation. An LLC might not be the right choice for everyone, so it’s important to talk with your attorney to determine the best option for you. 

Obtain a License

You need to complete one more important step before you can begin your property management company. You’ll have to get a real estate license. Each state has different requirements for getting a real estate broker’s license, so you’ll have to check your state’s licensing and regulation department to determine the specific requirements. A real estate license will allow you to perform transactions on behalf of a property owner as a property manager and will enable you to handle all related paperwork. Depending on your state, you may also have to get a property management license, limiting you exclusively to property management. 

Brand Your Business

Now that you’ve established your legal entity and obtained a license, it’s time to brand your business. Decide on a company name and logo. You may even decide to hire a professional to help you determine your branding. You may not realize it, but font choices and color go a long way in establishing yourself as a reputable, trusted company. 

Separate Your Finances

It’s essential to open a bank account for your business to keep it separate from your personal expenses. This will help you keep track of your business and avoid any trouble when doing taxes. 

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Create a Website for Your Business

Once you’ve established your legal entity and obtained a real estate license, it’s time to create a website for your property management company. Many property management companies use websites to establish their brand, conduct business online, and keep records of interactions with clients. A good website will cost some money, but if you choose the right web developer, you can create a great-looking site that is optimized for Google. This will ensure that anyone looking for a property management company will come across you before your competitors.

In today’s world, it’s more important than ever to have an online presence. Your website needs to be filled with important keywords that your clients could be searching for. These will help you show up in their Google search results and will lead to more business. Knowing what you are doing online makes you appear more reputable and will help gain trust and credibility. If you don’t know where to start, consider hiring someone to take care of your digital marketing. 

Hire a Real Estate Team

Any good real estate investor knows that you’re only as good as the team you work with. As a property management company, you will want to create a solid real estate team to help you succeed. Starting off, the three most important professionals you will need are an accountant, a real estate lawyer, and a trustworthy contractor. An accountant will be necessary to manage the day-to-day accounting related to your company’s operations. A real estate lawyer will play a key role in handling any legal issues that might come up. And a contractor will be necessary for everything from mowing lawns to painting houses. Each of these professionals can represent you at public meetings, so you don’t have to attend them all the time personally.

Set Up Property Management Technology

When you’re running a property management company, it’s crucial to have a good system for keeping track of everything that’s going on. A few years ago, this would have been much harder to do, but you can set up an entire system just using the internet with today’s technology. There are specially designed services for companies looking to increase efficiency and cut down on expenses through technology. From customer and vendor management tools to marketing solutions, you can find what you need through an online service. If you plan to manage short-term rentals, you will need management software that helps you keep track of all check-ins and check-outs, as they will be more frequent and hard to keep track of on your own. 

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Establish a Pricing Structure

Once you have the basic nuts and bolts of your business taken care of, it’s time to establish pricing. Your pricing structure will differ based on the type of real estate that you’re managing. For instance, if you manage properties in a city where there is a lot of demand for affordable housing, you may be able to charge less than if you were managing high-end condos in a neighborhood with very little retail space. An excellent first step if you are just starting off is checking and seeing what competitors are charging in your area. Some fees to consider when creating your pricing structure are:

– Setup Fee: This is a one-time fee that is charged to new clients as soon as you take the job.

– Property Management Fee: This is the monthly amount that you charge for managing each property on your list.

– Real Estate Commissions: This is the percentage of your client’s total rent that goes directly to you. Technically, it’s called a ”total real estate charge,” but most property managers call it a “fee.

– Ongoing Management Fee: This is a percentage of the total rent that you charge each month to have you manage your client’s property.

– Maintenance Fee: This is an hourly fee that you charge your clients for any maintenance or repairs that need to be done at their property.

– Multiple Management Fee: If a client is also using another property management company, then you can charge the rental amount of one of the properties as a multiple management fee for your services.

– Leasing Fee: This is a fee that occurs when there is a vacancy that you need to fill. It covers the cost of staging, listing, showing, and eventually renting the unit. It typically comes out to about one month’s rent. 

– Insurance Fee: If you take on a bigger job that requires higher insurance coverage, then you can charge an additional fee per month to cover the extra cost of the insurance.

– Renewal Fee: If there are any fees associated with renewing a rental agreement, then you can charge your client an additional renewal fee as part of your monthly management fee.

– Eviction Fee: If you need to evict a tenant for violation of the lease, then the landlord can charge the tenant an additional fee as part of your management fee.

– Deposits: If your clients are required to pay a deposit when they sign their property management contract, then you can collect a monthly percentage of that deposit.

– Pet Fee: If the property is set up for pets and has pet deposits, then you can collect an additional fee from those who choose to rent with pets.

Pursue a Marketing Strategy

Regardless of what marketing strategies you choose, you need to make sure they are appropriate for your business. For instance, if you’re just starting out, you might want to focus on word-of-mouth referrals from existing clients. If you already have several clients or a steady number of people coming into your business, then it might be best to focus on local advertising through classifieds. 

If you’re just starting out, you’ll need to work a lot harder than the more established property management companies. The best time to start marketing your business is when you are still very new and unsure of the business. Don’t ever take on too much at the same time. Let your current clients know what your services are and how this will benefit their rental property. Then start new accounts by providing referrals from other potential clients in your area.

For a more modern marketing approach, take advantage of social media and digital ads. Create a Facebook page and an Instagram and update it often. Since the same parent company owns the two social networks, you can run ads across both platforms for a reasonable amount of money. Facebook ads can be adjusted to target specific demographics, locations, and niche interests. You will also want to either learn how to run Google ads or hire a company specializing in them. Investing a few dollars per day into some high-ranking keywords in your field may help you pull in leads and get your first few clients. 

Network

Many people find the most effective way to market their business is to get to know their potential customers simply. This means going out and meeting them, but it also means making a personal connection through social media. Once you’ve established a rapport with someone, you might be able to refer them to your business later.

Summary

Once you learn how to start a real estate property management company, the next step is to make it successful. Even the best business plan doesn’t mean much if you can’t market it correctly. It’s essential to understand your target audience and have some marketing strategies in place before you set out on meeting people and renting out properties. Moving forward, be sure to track your progress. Keep a log of all important numbers, such as contact information for people who expressed interest in your business, how many units you rented out, etc. Keeping tabs on your company’s progress might help you if you decide to apply for bank loans or seek investors in the future. If you have trouble getting started, find a mentor who already runs a property management company and learn through them before you are ready to get started on your own.

To learn more about a career in real estate investment, make sure to sign up for our investment seminars.

Joe Arias and his partners have flipped hundreds of properties in the Southern California Region. He has developed cutting-edge systems to simplify and scale the entire remodel process that can easily be applied to flipping, rentals, wholesaling, and other passive income strategies. More recently, Joe founded a real estate investing education company called RealSuccess Investments, allowing him to share his tools and systems with hundreds of up-and-coming investors. 

RealSuccess is focused on education on flipping, rentals, passive income, and wholesaling.

Joe is also a best-selling author. He has written 4 books: Finding your RealSuccess, First Steps to Flipping, R stands for Rentals and Retirement, and Wholesaling Real Estate.

“I came from Argentina when I was 20, I am 40 years old now. I didn’t know anyone, I am CERO generation, usually people say, I am first or second generation but I was the one that crossed the border, no language, no friends, no family, no money, nothing, nada… If I can do it, anyone can.”

From a young latino immigrant  to a celebrated real estate investor, Joe is a true testament to hard work and discipline. As an investor, he has made it his mission to help others achieve financial freedom while enjoying living a life of passion, fulfillment, and empowerment.

RealSuccess Website

www.ourrealsuccess.com

Personal Instagram: 

https://www.instagram.com/joeariasinvestor/

Real Estate Investment- Instagram: 

Instagram: https://www.instagram.com/realsuccesseducation/

Video For Finding Money from All Day Training (10 Hour Seminar)

https://vimeo.com/manage/videos/528446162

1 Hour Webinar

https://vimeo.com/manage/videos/530996751

Amazon Book#1:

Amazon Book#2

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411Expo.com or our Eventbrite landing page, CLICK HERE.