Good morning to the special joy of Spring Buying;
PROFESSIONALISM
Preparation with Promising Outcomes
Let’s talk. Like the whipsaw weather, so too, the market, with plenty of headlines to make us feel about the same as we do the weather. Rising oil, rising inflation and a do nothing Fed for starters. We are here to sort it out and help keep perspective, so to remain calm and rational.
Lending continues to be the core and Spring Buyers is the best. Thus, the need to continually dig into the larger issues, seeking something beyond the political words and misguided headlines. We are here to talk about meaningful action of the day, it’s effects on us, and longer-term outcomes on our real estate.
As you know, politics is mostly about shifts in policy and those who purposely confuse and misdirect. To this, we apply the same consistent, disciplined approach. This, to build a strong foundation able to resist any emotional roller coaster. In this vein, I ever thankful for another year of writing, reading, researching and learning about your financial future. Let’s talk.
Call Today. I look forward to our first and many follow-up conversations – even meeting your friends wanting to buy or refinance. Earlier the Better. Let me show you the often overlooked benefits of early preparation.
For certain, it gives time to identifying strengths and weakness of the loan application, where you want to look for property, and homes that meet your finances. Goal: Maximize the potentials – overcome possible troubles.
This speaks to our real estate finance speciality and why we are unique. A consultive approach to building successful strategies and easy-to-follow trajectories that will make you proud. showing forth the whole picture – more than most do.
The range of our conversation:
Myths vs. Market Realities
The Build
Clarifying Investment Plans
Why Each Person / Plan is Unique
The Need for Advice, believing in success.
Goal: Turning the complex, into your personal success.
Michael Ryan & Associates. We stands with and for you. The time in Now. Let’s talk: What better time to setup a 1/2 hour initial chat? Let’s make it easy. Go to: michael-ryan.com. Set a time best for you – with no obligations. I look forward to our conversation.
MARKET NEWS
General Market: Conflict in the Middle East is taking 1st, 2nd and 3rd position to the market. America is committed to a successful outcome – nationwide and for the benefit of many.
Employment: A quiet month. No new shocks in the labor indices. What is important, is the current challenges within the reporting methodologies still in place. We will continue to seek reportable numbers. In this, these truest numbers, all suffer a 6 month lag effect.
Residential Lending: Market are digesting events. Oil up, which is inflationary, but this due to speculation, Loyds of London, and Iran. If short term, the broad range effects will be minimal, with pump prices the most effected. To this, we will keep a close eye on ongoing news, headlines, and relevant data.
Inflation: New Update: Recent Fed’s meeting underscores their prioritizing inflation. Their concerns are tariffs, Iran, and oil impacts on consumers. Tariffs fears have not materialized. Further, prices did not drop after Supreme Court halted Trump tariffs. Until the new Fed Chief it will remain part of their conversation. Note: Both EU and Japan may raise benchmark rates – oil supply / prices. Side note: Bit confusing, as both countries are flat, relative to our own.
The Good, the Bad, And the Ugly
The Good: News that sounds like a futuristic movie: Robot dogs will be patrolling World Cup sites in Guadalupe, Mexico. The “dogs,” which are operator-controlled and unarmed (yay), can issue warning, instructions, and alerts to law-enforcement – if something suspicious requires more focused attention. Wired
The Bad: Over -the-top construction regulations: Fire sprinklers for everything, including concrete construction.! No more gas appliances in the Bay Area, all electric, which for many includes upgrading service entrance and whole house rewires. Padding a few industries and not providing benefit. Just more cost. Sigh.
And, the Ugly: Some technology needs to be improved to be useful. Consider: Lithium Ion batteries don’t do well in moist salty air. Consider: The biggest lithium battery pack in CA is located at Moss Landing. Suffice to say, more than half a dozen toxic fires has the local fire department on a “let it burn down” stance due to toxicity of the smoke. Risks: Sending toxins into the atmosphere letting the wind spread it over adjacent ag land. Worse: they repeat the experiment instead of changing out and updating to better storage solutions. Where are the, Save the Earth” advocates ?
Readiness, Planning and Preparation
I rarely change this section. Yes, I do repeat it, for each month someone new shows interest in real estate – buying, refinancing, or in a tax-deferred exchange. Is this your month? We simplify the complexities of investing into straight forward solutions, by good council.
Our goal: Finding the best path to success and discuss the discipline to stay the course. It begins when you make the first call. I am ready. Let’s talk today.
Our strategies: Straight forward, logical, and built on sound reasoning. A doctorate in finance is not a prerequisite.
Should one invest in stocks, bonds, real estate, business, insurance, etc.? Each person has a different view, a different comfort level and sense of risk vs reward. Such is the heart of the market place and key to one’s “planning and preparation”.
To this, we offer clients our expertise and experience, to complement their perspective. Our goal: Bring meaningful options designed to enhance one’s desires with market realities. Call today. Let’s set a time.
Why Call Mike?
What We Do – What We Offer – Why We Are Here
We believe in real estate as a good measure of long term success. While we do NOT ignore other types of investments, I love the more stable approach of buying and investing. We scrutinize for safety and prioritize options most feasible for you. We are always ready to help. It is how we built so many trusting relationships – growing wealth and securing the future.
Small Business: We love small business and provide a full array of financing tools.
Residential / Commercial: We offer strong lenders with a complete package of lending options.
Retirement Strategies: Like myself, as we mature, real estate becomes more personal. If you agree, let’s talk. Together, we can help find answers and solutions to questions about tomorrow. We can start today. We can address a range of questions, from working at home, to a multitude of retirement options. Our efforts are to bring clarity to important real estate planning issues.
Purchase Options for Investment Properties: We finance over most of the entire Nation. Little known loans requiring very limited documentation – NO income tax returns. The loans are based upon the properties cash flow. Curious? Call. Investing out of the area is not rocket science. Yet, you do need to have some knowledge. Let us fill in the blanks for you to succeed and prosper!
Consider the Following:
Real Estate Centric solutions: Buy Now, buy as much as you can.
Why? Let’s talk, as to why this makes sense, starting with the top 3 questions:
1) Appreciation and why Properties continue to appreciate each year? It is a supply / demand imbalance. This increase tends to rise faster than money we can save. Good news: I have decades of SFR data for every county in the USA.
2) Higher interest rates? In one aspect, this benefits the buyer. It takes out speculative pricing and keeps competition on the sidelines, waiting. Special opportunity for the prepared.
3) What happens when rates drop? As interest rates drop many Buyers sitting on the sidelines enter the market. This drives rates of appreciation higher, bringing more multiple offers, and over-bidding of price. Moreover, buying now does not mean you can’t participate in future lower rates, especially as you reduce the loan-to-value. Prepare today. Lets talk.
If these ideas sound good, let’s start talking today.
Making your future brighter today & tomorrow.
What We Do: Our role is to explain and bring clarity to time-tested strategies able to keep your money working for you. One worthy and profitable of your efforts and valuable time.
Our Efforts: To be insightful and practical. Working with you, to find answers, matched with carefully planned timing. Priority: Being straight forward, with no short cuts.
We are the professional team who stands with you.
Ready, with feet on the ground, and forward looking !!
Thank you and a special blessing as we look forward to a most Joyous Year.
