Real Estate Investment Trust (REIT)
A security that sells like a stock on the major
exchanges and invests in real estate directly,
either through properties or mortgages.
REITs receive special tax considerations and
typically offer investors high yields, as well as
a highly liquid method of investing in real
estate.
Equity REITs: Equity REITs invest in and own
properties (thus responsible for the equity or
value of their real estate assets). Their
revenues come principally from their
properties' rents.
Mortgage REITs: Mortgage REITs deal in
investment and ownership of property
mortgages. These REITs loan money for
mortgages to owners of real estate, or
purchase existing mortgages or
mortgage-backed securities. Their revenues
are generated primarily by the interest that
they earn on the mortgage loans.
Hybrid REITs: Hybrid REITs combine the
investment strategies of equity REITs and
mortgage REITs by investing in both
properties and mortgages.
Individuals can invest in REITs either by
purchasing their shares directly on an open
exchange or by investing in a mutual fund that
specializes in public real estate. An additional
benefit to investing in REITs is the fact that
many are accompanied by dividend
reinvestment plans (DRIPs). Among other
things, REITs invest in shopping malls, office
buildings, apartments, warehouses and
hotels. Some REITs will invest specifically in
one area of real estate - shopping malls, for
example - or in one specific region, state or
country. Investing in REITs is a liquid,
dividend-paying means of participating in the
real estate market.
A security that sells like a stock on the major
exchanges and invests in real estate directly,
either through properties or mortgages.
REITs receive special tax considerations and
typically offer investors high yields, as well as
a highly liquid method of investing in real
estate.
Equity REITs: Equity REITs invest in and own
properties (thus responsible for the equity or
value of their real estate assets). Their
revenues come principally from their
properties' rents.
Mortgage REITs: Mortgage REITs deal in
investment and ownership of property
mortgages. These REITs loan money for
mortgages to owners of real estate, or
purchase existing mortgages or
mortgage-backed securities. Their revenues
are generated primarily by the interest that
they earn on the mortgage loans.
Hybrid REITs: Hybrid REITs combine the
investment strategies of equity REITs and
mortgage REITs by investing in both
properties and mortgages.
Individuals can invest in REITs either by
purchasing their shares directly on an open
exchange or by investing in a mutual fund that
specializes in public real estate. An additional
benefit to investing in REITs is the fact that
many are accompanied by dividend
reinvestment plans (DRIPs). Among other
things, REITs invest in shopping malls, office
buildings, apartments, warehouses and
hotels. Some REITs will invest specifically in
one area of real estate - shopping malls, for
example - or in one specific region, state or
country. Investing in REITs is a liquid,
dividend-paying means of participating in the
real estate market.
National Association Of Real Estate Invesetment
Trusts (NAREIT)
A trade association that represents U.S. Real Estate Investment
Trusts (REITs) and publicly traded real estate companies. In
essence, NAREIT works as a lobbyist for both of these groups when
dealing with individuals who legislate the two respective industries.
NAREIT is made up of a community of industry professionals,
academics and companies that work together to promote the real
estate industry and REITs. Through NAREIT, individuals are able to
access comprehensive industry data on the overall real estate
industry and the performance of member REITs.
Trusts (NAREIT)
A trade association that represents U.S. Real Estate Investment
Trusts (REITs) and publicly traded real estate companies. In
essence, NAREIT works as a lobbyist for both of these groups when
dealing with individuals who legislate the two respective industries.
NAREIT is made up of a community of industry professionals,
academics and companies that work together to promote the real
estate industry and REITs. Through NAREIT, individuals are able to
access comprehensive industry data on the overall real estate
industry and the performance of member REITs.
Distribution Reinvestment
A process whereby the distribution from a limited partnership, real
estate investment trust (REIT) or other pooled investment is
automatically reinvested into common units or shares in a fund,
often at a discount to the current market price. Investors can set up
distribution reinvestment plans with the partnership itself, or with a
broker through which the units are held.
Also known as a DRIP, but not to be confused with dividend
reinvestment plans (also called DRIPs), which are found in many
large-cap stocks and mutual funds. Most distributions are done
quarterly, but some may occur on a monthly basis.
Investors who participate in these programs also generally have
commissions and other fees waived, making it an advantageous
and affordable way to grow their investment. Meanwhile, the
financial managers have a stable way to grow assets with current
investors.
A process whereby the distribution from a limited partnership, real
estate investment trust (REIT) or other pooled investment is
automatically reinvested into common units or shares in a fund,
often at a discount to the current market price. Investors can set up
distribution reinvestment plans with the partnership itself, or with a
broker through which the units are held.
Also known as a DRIP, but not to be confused with dividend
reinvestment plans (also called DRIPs), which are found in many
large-cap stocks and mutual funds. Most distributions are done
quarterly, but some may occur on a monthly basis.
Investors who participate in these programs also generally have
commissions and other fees waived, making it an advantageous
and affordable way to grow their investment. Meanwhile, the
financial managers have a stable way to grow assets with current
investors.
REIT-REAL ESTATE INVESTMENT TRUST
A real estate investment trust (REIT) is a real estate company that
offers common shares to the public. In this way, a REIT stock is
similar to any other stock that represents ownership in an operating
business.
But a REIT has two unique features: its primary business is
managing groups of income-producing properties and it must
distribute most of its profits as dividends.
This is a great opportunity for real estate investors to invest without
taking a mortgage. You can invest in different area:
REIT-RESIDENTIAL
A real estate investment trust (REIT) is a real estate company that
offers common shares to the public. In this way, a REIT stock is
similar to any other stock that represents ownership in an operating
business.
But a REIT has two unique features: its primary business is
managing groups of income-producing properties and it must
distribute most of its profits as dividends.
This is a great opportunity for real estate investors to invest without
taking a mortgage. You can invest in different area:
REIT-RESIDENTIAL
The REIT Status
To qualify as a REIT with the IRS, a real estate
company must agree to pay out in dividends
at least 90% of its taxable profit (and fulfill
additional but less important requirements).
By having REIT status, a company avoids
corporate income tax. A regular corporation
makes a profit and pays taxes on the entire
profits, and then decides how to allocate its
after-tax profits between dividends and
reinvestment; but a REIT simply distributes all
or almost all of its profits and gets to skip the
taxation.
To qualify as a REIT with the IRS, a real estate
company must agree to pay out in dividends
at least 90% of its taxable profit (and fulfill
additional but less important requirements).
By having REIT status, a company avoids
corporate income tax. A regular corporation
makes a profit and pays taxes on the entire
profits, and then decides how to allocate its
after-tax profits between dividends and
reinvestment; but a REIT simply distributes all
or almost all of its profits and gets to skip the
taxation.
ADVANTAGES OF REITs
When you buy a share of a REIT, you are essentially buying a
physical asset with a long expected life span and potential for
income through rent and property appreciation. This contrasts
common stocks where investors are buying the right to participate in
the profitability of the company through ownership. When
purchasing a REIT, one is not only taking a real stake in the
ownership of property via increases and decreases in value, but one
is also participating in the income generated by the property. This
creates a bit of a safety net for investors as they will always have
rights to the property underlying the trust while enjoying the benefits
of their income.
When you buy a share of a REIT, you are essentially buying a
physical asset with a long expected life span and potential for
income through rent and property appreciation. This contrasts
common stocks where investors are buying the right to participate in
the profitability of the company through ownership. When
purchasing a REIT, one is not only taking a real stake in the
ownership of property via increases and decreases in value, but one
is also participating in the income generated by the property. This
creates a bit of a safety net for investors as they will always have
rights to the property underlying the trust while enjoying the benefits
of their income.
ADVANTAGES
Another advantage that this product provides to the average investor is the
ability to invest in real estate without the normally associated large capital
and labor requirements. Furthermore, as the funds of this trust are pooled
together, a greater amount of diversification is generated as the trust
companies are able to buy numerous properties and reduce the negative
effects of problems with a single asset.
Individual investors trying to mimic a REIT would need to buy and maintain a
large number of investment properties, and this generally entails a
substantial amount of time and money in an investment that is not easily
liquidated. When buying a REIT, the capital investment is limited to the price
of the unit, the amount of labor invested is constrained to the amount of
research needed to make the right investment, and the shares are liquid on
regular stock exchanges
Another advantage that this product provides to the average investor is the
ability to invest in real estate without the normally associated large capital
and labor requirements. Furthermore, as the funds of this trust are pooled
together, a greater amount of diversification is generated as the trust
companies are able to buy numerous properties and reduce the negative
effects of problems with a single asset.
Individual investors trying to mimic a REIT would need to buy and maintain a
large number of investment properties, and this generally entails a
substantial amount of time and money in an investment that is not easily
liquidated. When buying a REIT, the capital investment is limited to the price
of the unit, the amount of labor invested is constrained to the amount of
research needed to make the right investment, and the shares are liquid on
regular stock exchanges
ADVANTAGES
The final, and probably the most important, advantage that REITs provide is
their requirement to distribute nearly 90% of their yearly taxable income,
created by income producing real estate, to their shareholders. This amount
is deductible on a corporate level and generally taxed at the personal level.
So, unlike with dividends, there is only one level of taxation for the
distributions paid to investors.
This high rate of distribution means that the holder of a REIT is greatly
participating in the profitability of management and property within the trust,
unlike in common stock ownership where the corporation and its board
decide whether or not excess cash is distributed to the shareholder
The final, and probably the most important, advantage that REITs provide is
their requirement to distribute nearly 90% of their yearly taxable income,
created by income producing real estate, to their shareholders. This amount
is deductible on a corporate level and generally taxed at the personal level.
So, unlike with dividends, there is only one level of taxation for the
distributions paid to investors.
This high rate of distribution means that the holder of a REIT is greatly
participating in the profitability of management and property within the trust,
unlike in common stock ownership where the corporation and its board
decide whether or not excess cash is distributed to the shareholder
Conclusion
With so many different ways to invest your
money, it's important that any decision you
make is well informed. This applies to stocks,
bonds, mutual funds, REITs, or any other
investment. Nevertheless, REITs have some
interesting features that might make a good fit
in your portfolio. Hopefully, this article has
given you some insight into this unique type of
security and expanded your investment
opportunities
With so many different ways to invest your
money, it's important that any decision you
make is well informed. This applies to stocks,
bonds, mutual funds, REITs, or any other
investment. Nevertheless, REITs have some
interesting features that might make a good fit
in your portfolio. Hopefully, this article has
given you some insight into this unique type of
security and expanded your investment
opportunities
DIVIDENDS
1. A distribution of a portion of a company's
earnings, decided by the board of directors, to
a class of its shareholders. The dividend is
most often quoted in terms of the dollar
amount each share receives (dividends per
share). It can also be quoted in terms of a
percent of the current market price, referred to
as dividend yield.
2. Mandatory distributions of income and
realized capital gains made to mutual fund
investors.
1. Dividends may be in the form of cash, stock
or property. Most secure and stable
companies offer dividends to their
stockholders. Their share prices might not
move much, but the dividend attempts to
make up for this.
High-growth companies rarely offer dividends
because all of their profits are reinvested to
help sustain higher-than-average growth.
2. Mutual funds pay out interest and dividend
income received from their portfolio holdings
as dividends to fund shareholders. In
addition, realized capital gains from the
portfolio's trading activities are generally paid
out (capital gains distribution) as a year-end
dividend
1. A distribution of a portion of a company's
earnings, decided by the board of directors, to
a class of its shareholders. The dividend is
most often quoted in terms of the dollar
amount each share receives (dividends per
share). It can also be quoted in terms of a
percent of the current market price, referred to
as dividend yield.
2. Mandatory distributions of income and
realized capital gains made to mutual fund
investors.
1. Dividends may be in the form of cash, stock
or property. Most secure and stable
companies offer dividends to their
stockholders. Their share prices might not
move much, but the dividend attempts to
make up for this.
High-growth companies rarely offer dividends
because all of their profits are reinvested to
help sustain higher-than-average growth.
2. Mutual funds pay out interest and dividend
income received from their portfolio holdings
as dividends to fund shareholders. In
addition, realized capital gains from the
portfolio's trading activities are generally paid
out (capital gains distribution) as a year-end
dividend
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HOME REFINANCING
Contact: Mr. ANTONY at 786-709-6577-
VISION MORTGAGE BANK- South Florida
Refinancing is to take advantage of lower
interest rates to reduce the monthly
mortgage payments,
or to reduce the total amount of interest
rates over the life of your loan, pay-off your
loan faster by reducing the term of the loan,
Cash out the home equity to consolidate
your high interest debts, to make
improvement in your property to increase
the enjoyment of your home as well to
increase property value,
Equity cash out can be also to realize a
longtime dream, Home equity can also be
used to open a personal business.
Contact: Mr. ANTONY at 786-709-6577-
VISION MORTGAGE BANK- South Florida
Refinancing is to take advantage of lower
interest rates to reduce the monthly
mortgage payments,
or to reduce the total amount of interest
rates over the life of your loan, pay-off your
loan faster by reducing the term of the loan,
Cash out the home equity to consolidate
your high interest debts, to make
improvement in your property to increase
the enjoyment of your home as well to
increase property value,
Equity cash out can be also to realize a
longtime dream, Home equity can also be
used to open a personal business.
We’re here to turn traditional
renters into property owners and landlords.
We’ve great desire to help people find the right
mortgage loan at the lowest rate possible.
----------------------------------------------------
We have a wide range of home loan options
on primary residences, second homes, and on
investments property.
renters into property owners and landlords.
We’ve great desire to help people find the right
mortgage loan at the lowest rate possible.
----------------------------------------------------
We have a wide range of home loan options
on primary residences, second homes, and on
investments property.
We take the time to analyze every individual situation and
needs to find the best mortgage loan.
Whether you’re a first time home buyer or an experience
buyer, we work hard to find you the home loan you desired.
CONTACT Mr. ANTONY AT VISION MORTGAGE BANK---786-709-
6577
needs to find the best mortgage loan.
Whether you’re a first time home buyer or an experience
buyer, we work hard to find you the home loan you desired.
CONTACT Mr. ANTONY AT VISION MORTGAGE BANK---786-709-
6577
LendingTree Mortgage Loans
REIT: Real Estate Investment Trust. A GREAT WAY TO INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE LOAN.--
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REITs= REAL ESTATE INVESTMENT
TRUST
Besides tax sale investing, I have decided to
include two additional real estate investing
products on hidden real estate opportunities that
few people know about.
The first product, REIT Investor exposes the
hidden opportunities in Real Estate Investment
Trusts (REITs).
REIT investing is actually 50 percent less risky
than investing in the stock market and, since the
inception of REITs in 1960, the returns have been
better than the stock market, averaging a stable
15 percent return for more than 30 years.
Many REITs currently have dividend yields
exceeding 8 to 10% per year and you can buy
REITs exactly the same easy way you can buy
stocks, directly from a discount broker.
Would you rather earn 2% to 3% per year on your
money in a money market fund or earn 15% per
year on your money investing in REITs?
If you want a completely hands-off real estate
investing method with no hassles, REITs are a
great investing alternative.
However, just like tax lien certificates and tax
deeds, REITs are a hidden investment opportunity
and almost no books have been written on how
easy it is for you to become a successful REIT
investor.
I have been personally investing in REITs for over
5 years and while others have been watching
their stock investments go up and down like a
yoyo, my REIT investments have gone up steadily
and consistently paid me huge dividend payments
every three months.
If you do not know about tax lien certificates, tax
deeds or REITs, you are probably missing out on
three of the safest and most lucrative ways to
invest in real estate.
The third product I'm offering, Rogue Real Estate
Investor, describes exactly how you can make
fantastic profits buying home foreclosures.
With little or no money to start and while working
full time, you can safely earn 30 to 50 percent or
more per year with other people's money in the
home foreclosure market.
More importantly, in exchange for a small time
commitment, you can create a huge financial nest
egg for yourself in just a few years.
TRUST
Besides tax sale investing, I have decided to
include two additional real estate investing
products on hidden real estate opportunities that
few people know about.
The first product, REIT Investor exposes the
hidden opportunities in Real Estate Investment
Trusts (REITs).
REIT investing is actually 50 percent less risky
than investing in the stock market and, since the
inception of REITs in 1960, the returns have been
better than the stock market, averaging a stable
15 percent return for more than 30 years.
Many REITs currently have dividend yields
exceeding 8 to 10% per year and you can buy
REITs exactly the same easy way you can buy
stocks, directly from a discount broker.
Would you rather earn 2% to 3% per year on your
money in a money market fund or earn 15% per
year on your money investing in REITs?
If you want a completely hands-off real estate
investing method with no hassles, REITs are a
great investing alternative.
However, just like tax lien certificates and tax
deeds, REITs are a hidden investment opportunity
and almost no books have been written on how
easy it is for you to become a successful REIT
investor.
I have been personally investing in REITs for over
5 years and while others have been watching
their stock investments go up and down like a
yoyo, my REIT investments have gone up steadily
and consistently paid me huge dividend payments
every three months.
If you do not know about tax lien certificates, tax
deeds or REITs, you are probably missing out on
three of the safest and most lucrative ways to
invest in real estate.
The third product I'm offering, Rogue Real Estate
Investor, describes exactly how you can make
fantastic profits buying home foreclosures.
With little or no money to start and while working
full time, you can safely earn 30 to 50 percent or
more per year with other people's money in the
home foreclosure market.
More importantly, in exchange for a small time
commitment, you can create a huge financial nest
egg for yourself in just a few years.
| YOU’VE PROPERTY FOR SALE? CALL: 786-709-6577 COMMERCIAL OR RESIDENTIAL WE’LL BUY IT FROM YOU OR WE’LL SELL IT FOR YOU; FAST, QUICK & FOR THE TOP PRICE! SOUTH FLORIDA; PLEASE CONTACT US… |
KNOWLEDGEFINANCIAL.COM
REIT's
| FLORIDA REAL ESTATE: HOME BUYING, LEASING, RENTING, LISTING. PLEASE CALL US AT: 786-709-6577 HELP IS AVAILABLE: WE'RE HERE TO HELP YOU OR SOMEONE YOU KNOW WHO HAS A PROPERTY FOR SALE:----- WE SELL FAST, QUICK AND FOR THE TOP PRICE. ---CALL Mr. ANTONY AT: 786-709-6577 AN EXPERIENCED PROFESSIONAL REALTOR--- FORTUNE INTERNATIONAL REALTY |
| REAL ESTATE INVESTMENT TRUSTS (REIT) REIT's: A GREAT WAY TO INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE LOAN. GO MAKE YOURSELF RICHER; GO INVEST WHERE THE BIG FINANCIAL INSTITUTIONS INVEST THEIR MONEY. Individual Investors Individual investors represent a core component of the REIT investment universe. Whether investing in individual companies, through a REIT mutual fund or exchange-traded fund or through a retirement plan, an increasing number of individuals have recognized the benefits of including a REIT allocation in their investment portfolios. |
FORECLOSURE INVESTMENT
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing
in foreclosure properties better than ever - and
now’s the time for you to profit...
THE HOME BUYING GUIDE!--------------------
IMPORTANT THINGS TO KNOW BEFORE
BUYING...
The home-buying process doesn't need to be
scary. Our step-by-step guide will walk you
through the process and answer your questions
on what you should expect from us as your
realtor, where
to look for loans, and what to watch out for
when closing the deal.
HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR THE TOP
PRICE!
Selling a home is a big decision and requires
a lot of work. From getting the house ready to
reviewing the escrow papers, our helpful guide
will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many
properties as you want.
Flip them, Hold them, Rent them, Refinance
them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO
INVEST IN REAL ESTATE. BUT YOU HAVE
TO KNOW THE SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices,
great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH
LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A
PROPERTY:
COMPETITIVE PRICES, LOW INTEREST
RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER! MULTI-
WAYS TO WIN BIG IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real
Estate Investors and landlords Give Financial
Advantage
MIAMI REAL ESTATE: The Time is Now to
Profit from Real Estate investing--
A “Perfect Storm” of events has made
investing in Real Estate properties better
than ever - and now’s the time for you to
profit...
CALL Mr. ANTONY AT: 786-709-6577 ---
Fortune International Realty
COMMERCIAL LEASE: Before you rent space
for your business, be sure you understand
these basic facts about commercial leases.
Manufactured Homes, Mobile Homes, an
Affordable Housing Alternative
We are dedicated ourselves to helping bring
prospective buyers of manufactured homes in
contact with retailers who sell homes in their
area. We aim to help buyers wade through the
excess of information providing a simple
directory that enables buyers to quickly and
efficiently contact us to help them find the
dealers in which they are interested.
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing
in foreclosure properties better than ever - and
now’s the time for you to profit...
THE HOME BUYING GUIDE!--------------------
IMPORTANT THINGS TO KNOW BEFORE
BUYING...
The home-buying process doesn't need to be
scary. Our step-by-step guide will walk you
through the process and answer your questions
on what you should expect from us as your
realtor, where
to look for loans, and what to watch out for
when closing the deal.
HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR THE TOP
PRICE!
Selling a home is a big decision and requires
a lot of work. From getting the house ready to
reviewing the escrow papers, our helpful guide
will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many
properties as you want.
Flip them, Hold them, Rent them, Refinance
them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO
INVEST IN REAL ESTATE. BUT YOU HAVE
TO KNOW THE SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices,
great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH
LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A
PROPERTY:
COMPETITIVE PRICES, LOW INTEREST
RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER! MULTI-
WAYS TO WIN BIG IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real
Estate Investors and landlords Give Financial
Advantage
MIAMI REAL ESTATE: The Time is Now to
Profit from Real Estate investing--
A “Perfect Storm” of events has made
investing in Real Estate properties better
than ever - and now’s the time for you to
profit...
CALL Mr. ANTONY AT: 786-709-6577 ---
Fortune International Realty
COMMERCIAL LEASE: Before you rent space
for your business, be sure you understand
these basic facts about commercial leases.
Manufactured Homes, Mobile Homes, an
Affordable Housing Alternative
We are dedicated ourselves to helping bring
prospective buyers of manufactured homes in
contact with retailers who sell homes in their
area. We aim to help buyers wade through the
excess of information providing a simple
directory that enables buyers to quickly and
efficiently contact us to help them find the
dealers in which they are interested.
 | |  | |  | |  | |  | |  |
 | |  | |  | |  | |  |
All About REITs
Over half a century, the U.S. real estate investment trust (REIT) industry
has become an important segment of the U.S. economy and
investment markets. U.S. REITs have seen their equity market
capitalization soar from $90 billion to roughly $200 billion in just the
past 10 years. In the process, that growth has set the stage for the
adoption of the REIT approach to securitized real estate investment
across the globe.
Congress created REITs in the U.S. in 1960 as a way to make
investment in large-scale, income-producing real estate accessible to
all investors in the same way they typically invest otherwise – through
the purchase and sale of liquid securities.
Prior to the creation of listed real estate equities, access to the
investment returns of commercial real estate equity as a core asset
was available only to institutions and wealthy individuals having the
financial wherewithal to undertake direct real estate investment.
In its early years, the industry was dominated by mortgage REITs,
which provide debt financing for commercial or residential properties
through their investments in mortgages and mortgage-backed
securities.
The market’s interest in equity REITs, which today usually both own
and manage commercial properties, initially was limited because the
ownership and management of assets were required to remain
separate.
That restriction changed with the passage of the Tax Reform Act of
1986, which permitted REITs to both own and manage their properties
as vertically integrated companies and helped set the stage for a
secular wave of equity REIT IPOs in the mid-1990s.
Currently, 83 percent of the 134 publicly traded U.S. REITs are equity
REITs that own and most often manage commercial real estate and
derive most of their revenue and income from rents. In aggregate,
these companies own properties across all major property sectors
and all major geographic regions.
In order for a company to qualify as a REIT in the U.S., it must comply
with certain ground rules specified in the Internal Revenue Code. These
include: investing at least 75 percent of total assets in real estate;
deriving at least 75 percent of gross income as rents from real
property or interest from mortgages on real property; and distributing
annually at least 90 percent of taxable income to shareholders in the
form of dividends.
Over half a century, the U.S. real estate investment trust (REIT) industry
has become an important segment of the U.S. economy and
investment markets. U.S. REITs have seen their equity market
capitalization soar from $90 billion to roughly $200 billion in just the
past 10 years. In the process, that growth has set the stage for the
adoption of the REIT approach to securitized real estate investment
across the globe.
Congress created REITs in the U.S. in 1960 as a way to make
investment in large-scale, income-producing real estate accessible to
all investors in the same way they typically invest otherwise – through
the purchase and sale of liquid securities.
Prior to the creation of listed real estate equities, access to the
investment returns of commercial real estate equity as a core asset
was available only to institutions and wealthy individuals having the
financial wherewithal to undertake direct real estate investment.
In its early years, the industry was dominated by mortgage REITs,
which provide debt financing for commercial or residential properties
through their investments in mortgages and mortgage-backed
securities.
The market’s interest in equity REITs, which today usually both own
and manage commercial properties, initially was limited because the
ownership and management of assets were required to remain
separate.
That restriction changed with the passage of the Tax Reform Act of
1986, which permitted REITs to both own and manage their properties
as vertically integrated companies and helped set the stage for a
secular wave of equity REIT IPOs in the mid-1990s.
Currently, 83 percent of the 134 publicly traded U.S. REITs are equity
REITs that own and most often manage commercial real estate and
derive most of their revenue and income from rents. In aggregate,
these companies own properties across all major property sectors
and all major geographic regions.
In order for a company to qualify as a REIT in the U.S., it must comply
with certain ground rules specified in the Internal Revenue Code. These
include: investing at least 75 percent of total assets in real estate;
deriving at least 75 percent of gross income as rents from real
property or interest from mortgages on real property; and distributing
annually at least 90 percent of taxable income to shareholders in the
form of dividends.
-Find REITs by Ticker Symbol, Buy Reit's, Invest In Reit's.-
The following table is a list of publicly traded REITs. Click on the name of
a REIT to -Click on the ticker symbols of the companies to obtain detailed
stock information.
What About: Real Estate Mutual Funds As A Solid Investment.-.
''RESPA - Real Estate Settlement Procedures Act -
''TILA-Truth in Lending Act-Reg Z Resource Center-
''ECOA-Equal Credit Opportunity Act -
''Reg Z - Regulation Z - Truth in Lending-Regulation Z financial definition
of Regulation Z ...A Federal Reserve regulation requiring lenders to
disclose all terms of loans to potential borrowers, including, but not
limited to, the interest rates
''HMDA-Home Mortgage Disclosure Act --
''The Fair Lending Laws --
The following table is a list of publicly traded REITs. Click on the name of
a REIT to -Click on the ticker symbols of the companies to obtain detailed
stock information.
What About: Real Estate Mutual Funds As A Solid Investment.-.
''RESPA - Real Estate Settlement Procedures Act -
''TILA-Truth in Lending Act-Reg Z Resource Center-
''ECOA-Equal Credit Opportunity Act -
''Reg Z - Regulation Z - Truth in Lending-Regulation Z financial definition
of Regulation Z ...A Federal Reserve regulation requiring lenders to
disclose all terms of loans to potential borrowers, including, but not
limited to, the interest rates
''HMDA-Home Mortgage Disclosure Act --
''The Fair Lending Laws --
Are REITS Right for Your Portfolio?
Real Estate Investment Trusts offer a way for smaller
investors to buy into big real estate.
Real Estate Investment Trust - REITWhat Does Real Estate Investment Trust - REIT Mean?
A security that sells like a stock on the major exchanges and invests in real estate directly, either
through properties or mortgages.
REITs receive special tax considerations and typically offer investors high yields, as well as a
highly liquid method of investing in real estate.
Equity REITs: Equity REITs invest in and own properties (thus responsible for the equity or value of
their real estate assets). Their revenues come principally from their properties' rents.
Mortgage REITs: Mortgage REITs deal in investment and ownership of property mortgages. These
REITs loan money for mortgages to owners of real estate, or purchase existing mortgages or
mortgage-backed securities. Their revenues are generated primarily by the interest that they
earn on the mortgage loans.
Hybrid REITs: Hybrid REITs combine the investment strategies of equity REITs and mortgage REITs
by investing in both properties and mortgages. Investopedia explains Real Estate Investment
Trust - REIT
Individuals can invest in REITs either by purchasing their shares directly on an open exchange or
by investing in a mutual fund that specializes in public real estate. An additional benefit to
investing in REITs is the fact that many are accompanied by dividend reinvestment plans (DRIPs).
Among other things, REITs invest in shopping malls, office buildings, apartments, warehouses
and hotels. Some REITs will invest specifically in one area of real estate - shopping malls, for
example - or in one specific region, state or country.
Investing in REITs is a liquid, dividend-paying means of participating in the real estate market.
Real Estate Investment Trusts offer a way for smaller
investors to buy into big real estate.
Real Estate Investment Trust - REITWhat Does Real Estate Investment Trust - REIT Mean?
A security that sells like a stock on the major exchanges and invests in real estate directly, either
through properties or mortgages.
REITs receive special tax considerations and typically offer investors high yields, as well as a
highly liquid method of investing in real estate.
Equity REITs: Equity REITs invest in and own properties (thus responsible for the equity or value of
their real estate assets). Their revenues come principally from their properties' rents.
Mortgage REITs: Mortgage REITs deal in investment and ownership of property mortgages. These
REITs loan money for mortgages to owners of real estate, or purchase existing mortgages or
mortgage-backed securities. Their revenues are generated primarily by the interest that they
earn on the mortgage loans.
Hybrid REITs: Hybrid REITs combine the investment strategies of equity REITs and mortgage REITs
by investing in both properties and mortgages. Investopedia explains Real Estate Investment
Trust - REIT
Individuals can invest in REITs either by purchasing their shares directly on an open exchange or
by investing in a mutual fund that specializes in public real estate. An additional benefit to
investing in REITs is the fact that many are accompanied by dividend reinvestment plans (DRIPs).
Among other things, REITs invest in shopping malls, office buildings, apartments, warehouses
and hotels. Some REITs will invest specifically in one area of real estate - shopping malls, for
example - or in one specific region, state or country.
Investing in REITs is a liquid, dividend-paying means of participating in the real estate market.
.
Add Some Real Estate To Your Portfolio - From REITs to owning your
own home, find out how diversify your portfolio with real estate assets.
With real estate gaining a greater foothold in the capital allocation
decisions of both institution and retail investors, there has been
increasing development in real estate funds.
Due to the capital intensity of real estate investing, its requirement for
active management and the rise in global real estate opportunities,
institutions are gradually moving to real estate funds of funds to allow
for appropriate asset management.
The same is true for retail investors, who now have a much larger
selection of real estate mutual funds, allowing for efficient capital
allocation and diversification. Like any other investment sector, real
estate has its benefits and its disadvantages.
However, real estate should be considered for most investment
portfolios, and real estate investment trusts (REITs) and real estate
mutual funds may be the best methods to fill that allocation. (To learn
more, check out What are REITs?)
Real Estate for Institutional Investors
Real estate investment has long been dominated by large investors,
such as pension funds, insurance companies and other large financial
institutions.
Thanks to the globalization of real estate investing and new offshore
opportunities, both of which allow for greater diversification and return
potential, there is an increasing trend toward finding a permanent
place for real estate in institutional portfolio allocations.
The permanent allocation of real estate capital comes with some
hurdles. First and foremost, it is capital intensive. Unlike stocks that
can be purchased in small increments, commercial real estate
investments require relatively large sums and direct investment often
results in lumpy portfolios and inordinate risks in either location or by
property type.
Real estate also requires active management, which is labor intensive.
Managing a real estate allocation requires significant resources
relative to traditional investments. As a result of these issues,
institutions tend to gravitate toward real estate funds and funds of
funds, in order to increase management efficiency and capital
distribution.
The same advantages that institutions gain from real estate funds can
be achieved by retail investors through REITs, REIT exchange-traded
funds (ETFs) and real estate mutual funds. (To learn more about ETFs,
check out Advantages of Exchange-Traded Funds.)
Retail Investors
The following are several ways that retail investors can access the
return potential of real estate and obtain exposure to the asset class.
Direct Investment
This strategy relates to investors directly selecting specific properties.
The great advantage in this strategy is control. Direct ownership in
property allows for the development and execution of strategy and
direct influence over return. However, direct investment makes it very
difficult to create a well diversified real estate portfolio.
The real estate allocation for most retail investors is not large enough
to purchase enough properties to diversify and will increase exposure
to local property market and property type risks. (For more insight, see
Investing In Real Estate.)
Real Estate Investment Trusts (REIT)
REIT shares are private and public equity stock in companies
structured as trusts that invest in real estate, mortgages or other real
estate collateralized investments.
REITs typically own and operate real estate properties. These may
include multifamily residential properties, grocery-anchored shopping
centers, local retail properties and strip centers, malls, commercial
office space and hotels.
Real estate investment trusts are run by a board of directors that
conducts investment management decisions on behalf of the trust.
REITs pay little or no federal income tax as long as they distribute 90%
of taxable income as dividends to shareholders.
Even though the tax advantage increases after-tax cash flows, the
inability for REITs to retain cash can significantly hamper growth and
long-term appreciation. Apart from the tax advantage, REITS provide
many of the same advantages and disadvantages as equities.
Because REIT managers provide the strategic vision and make the
investment and property decisions, they reduce management issues
for investors.
For retail investors, the greatest disadvantage is the difficulty in
investing in them with limited capital and the significant amount of
asset-specific knowledge and analysis required in selecting them and
forecasting their performance. (To learn more, read The REIT Way.)
REIT investments have a much higher correlation to the overall stock
market than direct real estate investments, which leads some to
downplay their diversification abilities. Volatility in the REIT market has
also been higher than direct real estate.
Explanations for this is due to the influence of macroeconomic forces
on REIT values and the fact that REIT stocks are continuously valued,
while direct real estate is influenced more by local property markets
and is valued using the appraisal method, which tends to smooth
investment returns
Real Estate Mutual Funds
Real estate mutual funds invest primarily in REIT stocks and real estate
operating companies. They provide the ability to gain diversified
exposure to real estate with a relatively small amount of capital.
Depending on their strategy and diversification goals, they provide
investors with much broader asset selection than can be achieved in
buying REIT stocks alone and also provide the flexibility of easily
moving from one fund into another.
Flexibility is also advantageous to the mutual fund investor due to the
comparative ease in acquiring and disposing of assets on a systematic
and regulated exchange, as opposed to direct investing which is
arduous and expensive. More speculative investors can tactically
overweight certain property or regional exposures to maximize return.
Creating an exposure to a broad base of mutual funds can also reduce
transaction costs and commission relative to buying individual REIT
stocks. Another significant advantage to retail investors is the
analytical and research information provided by the funds on acquired
assets and management's perspective on the viability and
performance of specific real estate investments and as an asset class.
Real estate funds allow investors who do not have the desire,
knowledge or capital to buy land or property on their own to participate
in the income and long-term growth potential of real estate.
Although real estate mutual funds bring liquidity to a traditionally illiquid
asset class, naysayers on the use of these funds believe they are not
akin to direct investment in real estate. (For more insight, see The
Risks of Real Estate Sector Funds.)
Home Ownership
Many retail investors who have not considered real estate allocations
for their investment portfolios fail to realize that they may already be
investing in real estate by owning a home.
Not only do they already have real estate exposure, most are also
taking additional financial risk by having a home mortgage. For the
most part, this exposure has been beneficial and has helped many
people amass the capital required for retirement.
Conclusion
Although retail investors can and should take into account home
ownership when conducting their portfolio allocations, additional, more
liquid investments in real estate might also be considered. For those
with the requisite trading skills and capital,
REIT investing provides access to some of the benefits of real estate
investing without the need for direct ownership. For others considering
a smaller allocation or for those that do not want to be saddled by
asset selection but require maximum diversification, real estate
mutual funds would be an appropriate choice.
Add Some Real Estate To Your Portfolio - From REITs to owning your
own home, find out how diversify your portfolio with real estate assets.
With real estate gaining a greater foothold in the capital allocation
decisions of both institution and retail investors, there has been
increasing development in real estate funds.
Due to the capital intensity of real estate investing, its requirement for
active management and the rise in global real estate opportunities,
institutions are gradually moving to real estate funds of funds to allow
for appropriate asset management.
The same is true for retail investors, who now have a much larger
selection of real estate mutual funds, allowing for efficient capital
allocation and diversification. Like any other investment sector, real
estate has its benefits and its disadvantages.
However, real estate should be considered for most investment
portfolios, and real estate investment trusts (REITs) and real estate
mutual funds may be the best methods to fill that allocation. (To learn
more, check out What are REITs?)
Real Estate for Institutional Investors
Real estate investment has long been dominated by large investors,
such as pension funds, insurance companies and other large financial
institutions.
Thanks to the globalization of real estate investing and new offshore
opportunities, both of which allow for greater diversification and return
potential, there is an increasing trend toward finding a permanent
place for real estate in institutional portfolio allocations.
The permanent allocation of real estate capital comes with some
hurdles. First and foremost, it is capital intensive. Unlike stocks that
can be purchased in small increments, commercial real estate
investments require relatively large sums and direct investment often
results in lumpy portfolios and inordinate risks in either location or by
property type.
Real estate also requires active management, which is labor intensive.
Managing a real estate allocation requires significant resources
relative to traditional investments. As a result of these issues,
institutions tend to gravitate toward real estate funds and funds of
funds, in order to increase management efficiency and capital
distribution.
The same advantages that institutions gain from real estate funds can
be achieved by retail investors through REITs, REIT exchange-traded
funds (ETFs) and real estate mutual funds. (To learn more about ETFs,
check out Advantages of Exchange-Traded Funds.)
Retail Investors
The following are several ways that retail investors can access the
return potential of real estate and obtain exposure to the asset class.
Direct Investment
This strategy relates to investors directly selecting specific properties.
The great advantage in this strategy is control. Direct ownership in
property allows for the development and execution of strategy and
direct influence over return. However, direct investment makes it very
difficult to create a well diversified real estate portfolio.
The real estate allocation for most retail investors is not large enough
to purchase enough properties to diversify and will increase exposure
to local property market and property type risks. (For more insight, see
Investing In Real Estate.)
Real Estate Investment Trusts (REIT)
REIT shares are private and public equity stock in companies
structured as trusts that invest in real estate, mortgages or other real
estate collateralized investments.
REITs typically own and operate real estate properties. These may
include multifamily residential properties, grocery-anchored shopping
centers, local retail properties and strip centers, malls, commercial
office space and hotels.
Real estate investment trusts are run by a board of directors that
conducts investment management decisions on behalf of the trust.
REITs pay little or no federal income tax as long as they distribute 90%
of taxable income as dividends to shareholders.
Even though the tax advantage increases after-tax cash flows, the
inability for REITs to retain cash can significantly hamper growth and
long-term appreciation. Apart from the tax advantage, REITS provide
many of the same advantages and disadvantages as equities.
Because REIT managers provide the strategic vision and make the
investment and property decisions, they reduce management issues
for investors.
For retail investors, the greatest disadvantage is the difficulty in
investing in them with limited capital and the significant amount of
asset-specific knowledge and analysis required in selecting them and
forecasting their performance. (To learn more, read The REIT Way.)
REIT investments have a much higher correlation to the overall stock
market than direct real estate investments, which leads some to
downplay their diversification abilities. Volatility in the REIT market has
also been higher than direct real estate.
Explanations for this is due to the influence of macroeconomic forces
on REIT values and the fact that REIT stocks are continuously valued,
while direct real estate is influenced more by local property markets
and is valued using the appraisal method, which tends to smooth
investment returns
Real Estate Mutual Funds
Real estate mutual funds invest primarily in REIT stocks and real estate
operating companies. They provide the ability to gain diversified
exposure to real estate with a relatively small amount of capital.
Depending on their strategy and diversification goals, they provide
investors with much broader asset selection than can be achieved in
buying REIT stocks alone and also provide the flexibility of easily
moving from one fund into another.
Flexibility is also advantageous to the mutual fund investor due to the
comparative ease in acquiring and disposing of assets on a systematic
and regulated exchange, as opposed to direct investing which is
arduous and expensive. More speculative investors can tactically
overweight certain property or regional exposures to maximize return.
Creating an exposure to a broad base of mutual funds can also reduce
transaction costs and commission relative to buying individual REIT
stocks. Another significant advantage to retail investors is the
analytical and research information provided by the funds on acquired
assets and management's perspective on the viability and
performance of specific real estate investments and as an asset class.
Real estate funds allow investors who do not have the desire,
knowledge or capital to buy land or property on their own to participate
in the income and long-term growth potential of real estate.
Although real estate mutual funds bring liquidity to a traditionally illiquid
asset class, naysayers on the use of these funds believe they are not
akin to direct investment in real estate. (For more insight, see The
Risks of Real Estate Sector Funds.)
Home Ownership
Many retail investors who have not considered real estate allocations
for their investment portfolios fail to realize that they may already be
investing in real estate by owning a home.
Not only do they already have real estate exposure, most are also
taking additional financial risk by having a home mortgage. For the
most part, this exposure has been beneficial and has helped many
people amass the capital required for retirement.
Conclusion
Although retail investors can and should take into account home
ownership when conducting their portfolio allocations, additional, more
liquid investments in real estate might also be considered. For those
with the requisite trading skills and capital,
REIT investing provides access to some of the benefits of real estate
investing without the need for direct ownership. For others considering
a smaller allocation or for those that do not want to be saddled by
asset selection but require maximum diversification, real estate
mutual funds would be an appropriate choice.
REITs came about in 1960, when Congress decided that
smaller investors should also be able to invest in large-
scale, income-producing real estate. It determined that
the best way to do this was the follow the model of
investing in other industries -- the purchase of equity.
A company must distribute at least 90 percent of its
taxable income to its shareholders each year to qualify as
a REIT. Most REITs pay out 100 percent of their taxable
income. In order to maintain its status as a pass-through
entity, a REIT deducts these dividends from its corporate
taxable income. A pass-through entity does not have to
pay corporate federal or state income tax -- it passes the
responsibility of paying these taxes onto its shareholders.
REITs cannot pass tax losses through to investors,
however.
From the 1880s to the 1930s, a similar provision was in
place that allowed investors to avoid double taxation --
paying taxes on both the corporate and individual level --
because trusts were not taxed at the corporate level if
income was distributed to beneficiaries.
This was reversed in the 1930s, when passive
investments were taxed at both the corporate level and
as part of individual income tax. REIT proponents were
unable to persuade legislation to overturn this decision
for 30 years. Because of the high demand for real estate
funds, President Eisenhower signed the 1960 real estate
investment trust tax provision qualifying REITs as pass-
through entities.
A corporation must meet several other requirements to
qualify as a REIT and gain pass-through entity status.
They must:
•Be structured as corporation, business trust, or similar
association
•Be managed by a board of directors or trustees
•Offer fully transferable shares
•Have at least 100 shareholders
•Pay dividends of at least 90 percent of the REIT's taxable
income
•Have no more than 50 percent of its shares held by five
or fewer individuals during the last half of each taxable
year
•Hold at least 75 percent of total investment assets in real
estate
•Have no more than 20 percent of its assets consist of
stocks in taxable REIT subsidiaries
•Derive at least 75 percent of gross income from rents or
mortgage interest
At least 95 percent of a REIT's gross income must come
from financial investments (in other words, it must pass
the 95-percent income test). These include include rents,
dividends, interest and capital gains.
In addition, at least 75 percent of its income must come
from certain real estate sources (the 75-percent income
test), including rents from real property, gains from the
sale or other disposition of real property, and income and
gain derived from foreclosure of property.
We'll look at the different types of REITs next.
smaller investors should also be able to invest in large-
scale, income-producing real estate. It determined that
the best way to do this was the follow the model of
investing in other industries -- the purchase of equity.
A company must distribute at least 90 percent of its
taxable income to its shareholders each year to qualify as
a REIT. Most REITs pay out 100 percent of their taxable
income. In order to maintain its status as a pass-through
entity, a REIT deducts these dividends from its corporate
taxable income. A pass-through entity does not have to
pay corporate federal or state income tax -- it passes the
responsibility of paying these taxes onto its shareholders.
REITs cannot pass tax losses through to investors,
however.
From the 1880s to the 1930s, a similar provision was in
place that allowed investors to avoid double taxation --
paying taxes on both the corporate and individual level --
because trusts were not taxed at the corporate level if
income was distributed to beneficiaries.
This was reversed in the 1930s, when passive
investments were taxed at both the corporate level and
as part of individual income tax. REIT proponents were
unable to persuade legislation to overturn this decision
for 30 years. Because of the high demand for real estate
funds, President Eisenhower signed the 1960 real estate
investment trust tax provision qualifying REITs as pass-
through entities.
A corporation must meet several other requirements to
qualify as a REIT and gain pass-through entity status.
They must:
•Be structured as corporation, business trust, or similar
association
•Be managed by a board of directors or trustees
•Offer fully transferable shares
•Have at least 100 shareholders
•Pay dividends of at least 90 percent of the REIT's taxable
income
•Have no more than 50 percent of its shares held by five
or fewer individuals during the last half of each taxable
year
•Hold at least 75 percent of total investment assets in real
estate
•Have no more than 20 percent of its assets consist of
stocks in taxable REIT subsidiaries
•Derive at least 75 percent of gross income from rents or
mortgage interest
At least 95 percent of a REIT's gross income must come
from financial investments (in other words, it must pass
the 95-percent income test). These include include rents,
dividends, interest and capital gains.
In addition, at least 75 percent of its income must come
from certain real estate sources (the 75-percent income
test), including rents from real property, gains from the
sale or other disposition of real property, and income and
gain derived from foreclosure of property.
We'll look at the different types of REITs next.
REIT Modernization Act of 1999 - Invest Definition
A federal tax law change that allows a REIT to own up to
100 percent of the stock of a taxable REIT subsidiary that
provides services to REIT tenants and others.
The legislation also requires REITs to pay out 95 percent
of their taxable income, returning the payout level to the
one required from 1960 until 1980. From 1980 to 1999,
REITs only had to pay out 90 percent of their taxable
income.
A federal tax law change that allows a REIT to own up to
100 percent of the stock of a taxable REIT subsidiary that
provides services to REIT tenants and others.
The legislation also requires REITs to pay out 95 percent
of their taxable income, returning the payout level to the
one required from 1960 until 1980. From 1980 to 1999,
REITs only had to pay out 90 percent of their taxable
income.
WHY USE ANTONY AS YOUR REALTOR
Real estate transactions involve one of the
biggest financial investments most people
experience in their lifetime.
1. As your REALTOR® I can help you determine
your buying power -- that is, your financial
reserves plus your borrowing capacity.
If you give a REALTOR® some basic information
about your available savings, income and current
debt, he or she can refer you to lenders best
qualified to help you. Most lenders -- banks and
mortgage companies -- offer limited choices.
2. As your REALTOR® I have many resources to
assist you in your home search. Sometimes the
property you are seeking is available but not
actively advertised in the market, and it will take
some investigation by your agent to find all
available properties.
3. As your REALTOR® I can assist you in the
selection process by providing objective
information about each property.
Agents who are REALTORS® have access to a
variety of informational resources. REALTORS®
can provide local community information on
utilities, zoning.
Schools, etc.
There are two things you'll want to know. First,
will the property provide the environment I want
for a home or investment? Second, will the
property have resale value when I am ready to
sell?
4. As your REALTOR® I can help you negotiate.
There are myriad negotiating factors, including
but not limited to price, financing, terms, date of
possession and often the inclusion or exclusion
of repairs and furnishings or equipment.
The purchase agreement should provide a period
of time for you to complete appropriate
inspections and investigations of the property
before you are bound to complete the purchase.
Your agent can advise you as to which
investigations and inspections are recommended
or required.
5. As your REALTOR® I can provide due diligence
during the evaluation of the property. Depending
on the area and property, this could include
inspections for termites, dry rot, asbestos, faulty
structure, roof condition, septic tank and well
tests, just to name a few.
Your REALTOR® can assist you in finding qualified
responsible professionals to do most of these
investigations and provide you with written
reports.
You will also want to see a preliminary report on
the title of the property. Title indicates ownership
of property and can be mired in confusing status
of past owners or rights of access. The title to
most properties will have some limitations; for
example, easements (access rights) for utilities.
Your REALTOR®, title company or attorney can
help you resolve issues that might cause
problems at a later date.
6. As your REALTOR® I can help you in
understanding different financing options and in
identifying qualified lenders.
As your REALTOR® I can guide you through the
closing process and make sure everything flows
together smoothly.
8. When selling your home, your REALTOR® can
give you up-to-date information on what is
happening in the marketplace and the price,
financing, terms and condition of competing
properties.
These are key factors in getting your property
sold at the best price, quickly and with minimum
hassle.
9. As your REALTOR® I can market your property
to other real estate agents and the public. Often,
your REALTOR® can recommend repairs or
cosmetic work that will significantly enhance the
salability of your property. Your REALTOR®
markets your property to other real estate agents
and the public.
In many markets across the country, over 50% of
real estate sales are cooperative sales; that is, a
real estate agent other than yours brings in the
buyer.
Your REALTOR® acts as the marketing
coordinator, disbursing information about your
property to other real estate agents through a
Multiple Listing Service or other cooperative
marketing networks, open houses for agents, etc.
The REALTOR® Code of Ethics requires
REALTORS® to utilize these cooperative
relationships when they benefit their clients.
10. As your REALTOR® I will know when, where
and how to advertise your property. There is a
misconception that advertising sells real estate.
The NATIONAL ASSOCIATION OF REALTORS®
studies show that 82% of real estate sales are the
result of agent contacts through previous clients,
referrals, friends, family and personal contacts.
When a property is marketed with the help of your
REALTOR®, you do not have to allow strangers
into your home. Your REALTOR® will generally
prescreen and accompany qualified prospects
through your property.
11. As your REALTOR® I can help you objectively
evaluate every buyer's proposal without
compromising your marketing position.
This initial agreement is only the beginning of a
process of appraisals, inspections and financing
-- a lot of possible pitfalls.
Your REALTOR® can help you write a legally
binding, win-win agreement that will be more
likely to make it through the process.
12. As your REALTOR® I can help close the sale of
your home. Between the initial sales agreement
and closing (or settlement), questions may arise.
For example, unexpected repairs are required to
obtain financing or a cloud in the title is
discovered.
The required paperwork alone is overwhelming
for most sellers. Your REALTOR® is the best
person to objectively help you resolve these
issues and move the transaction to closing (or
settlement).
Real estate transactions involve one of the
biggest financial investments most people
experience in their lifetime.
1. As your REALTOR® I can help you determine
your buying power -- that is, your financial
reserves plus your borrowing capacity.
If you give a REALTOR® some basic information
about your available savings, income and current
debt, he or she can refer you to lenders best
qualified to help you. Most lenders -- banks and
mortgage companies -- offer limited choices.
2. As your REALTOR® I have many resources to
assist you in your home search. Sometimes the
property you are seeking is available but not
actively advertised in the market, and it will take
some investigation by your agent to find all
available properties.
3. As your REALTOR® I can assist you in the
selection process by providing objective
information about each property.
Agents who are REALTORS® have access to a
variety of informational resources. REALTORS®
can provide local community information on
utilities, zoning.
Schools, etc.
There are two things you'll want to know. First,
will the property provide the environment I want
for a home or investment? Second, will the
property have resale value when I am ready to
sell?
4. As your REALTOR® I can help you negotiate.
There are myriad negotiating factors, including
but not limited to price, financing, terms, date of
possession and often the inclusion or exclusion
of repairs and furnishings or equipment.
The purchase agreement should provide a period
of time for you to complete appropriate
inspections and investigations of the property
before you are bound to complete the purchase.
Your agent can advise you as to which
investigations and inspections are recommended
or required.
5. As your REALTOR® I can provide due diligence
during the evaluation of the property. Depending
on the area and property, this could include
inspections for termites, dry rot, asbestos, faulty
structure, roof condition, septic tank and well
tests, just to name a few.
Your REALTOR® can assist you in finding qualified
responsible professionals to do most of these
investigations and provide you with written
reports.
You will also want to see a preliminary report on
the title of the property. Title indicates ownership
of property and can be mired in confusing status
of past owners or rights of access. The title to
most properties will have some limitations; for
example, easements (access rights) for utilities.
Your REALTOR®, title company or attorney can
help you resolve issues that might cause
problems at a later date.
6. As your REALTOR® I can help you in
understanding different financing options and in
identifying qualified lenders.
As your REALTOR® I can guide you through the
closing process and make sure everything flows
together smoothly.
8. When selling your home, your REALTOR® can
give you up-to-date information on what is
happening in the marketplace and the price,
financing, terms and condition of competing
properties.
These are key factors in getting your property
sold at the best price, quickly and with minimum
hassle.
9. As your REALTOR® I can market your property
to other real estate agents and the public. Often,
your REALTOR® can recommend repairs or
cosmetic work that will significantly enhance the
salability of your property. Your REALTOR®
markets your property to other real estate agents
and the public.
In many markets across the country, over 50% of
real estate sales are cooperative sales; that is, a
real estate agent other than yours brings in the
buyer.
Your REALTOR® acts as the marketing
coordinator, disbursing information about your
property to other real estate agents through a
Multiple Listing Service or other cooperative
marketing networks, open houses for agents, etc.
The REALTOR® Code of Ethics requires
REALTORS® to utilize these cooperative
relationships when they benefit their clients.
10. As your REALTOR® I will know when, where
and how to advertise your property. There is a
misconception that advertising sells real estate.
The NATIONAL ASSOCIATION OF REALTORS®
studies show that 82% of real estate sales are the
result of agent contacts through previous clients,
referrals, friends, family and personal contacts.
When a property is marketed with the help of your
REALTOR®, you do not have to allow strangers
into your home. Your REALTOR® will generally
prescreen and accompany qualified prospects
through your property.
11. As your REALTOR® I can help you objectively
evaluate every buyer's proposal without
compromising your marketing position.
This initial agreement is only the beginning of a
process of appraisals, inspections and financing
-- a lot of possible pitfalls.
Your REALTOR® can help you write a legally
binding, win-win agreement that will be more
likely to make it through the process.
12. As your REALTOR® I can help close the sale of
your home. Between the initial sales agreement
and closing (or settlement), questions may arise.
For example, unexpected repairs are required to
obtain financing or a cloud in the title is
discovered.
The required paperwork alone is overwhelming
for most sellers. Your REALTOR® is the best
person to objectively help you resolve these
issues and move the transaction to closing (or
settlement).
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