Good morning to the heat of August,
Service and Preparation
with promising outcomes
Summer news is quiet and MSM tends to be more dramatic, hoping you will take notice. Good News: We remain consistent for you. We are here to help prepare those who also anticipate falling mortgage rates, beginning this Fall. A unique opportunity after a quiet Summer, for those well prepared and ready to act. I look forward to meeting a few of your friends waiting patiently, to Buy. I will help explain the pricing benefits of early preparation – before buying. .
One goal: Identify strengths and weakness of one’s finance, giving us time to overcome any possible trouble. This is the consulting side of our real estate specialty. It is our way of building strategies-of-success, laying out for you, an easy to follow trajectory of success.
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 stand with you
Let’s talk: Is now the time to setup a 1/2 hour initial chat? Let’ make it easy. You can go to: michael-ryan.com to set a time best for you – with no obligations. It is easy. You schedule the time best for you – I call you. It takes all the pressure off. I look forward to our first, hello.
Then the fun begins as we discuss the benefits of our consulting services. The goal: To become your advocate in building your real estate future. To this, I will present tools and options, so you can decide the best investment path to walk. In this I Promise: If the results are not what is expected, a refund is offered. Who other than Michael Ryan makes such an offer.
your ‘Asset Optimization specialist’
MARKET NEWS
Economy: The press loves uncertainty and immediate response. Let’s be clear, there are uncertainties within the economy – Trump Big Beautiful Bill, tariffs and trade negotiations, the border, and interest rates. As I have stated, this will take a few months before we see the impacts on our economy. There are many positives and possibilities, but the political system may resist. My hope is that Our Street will take priority over Wall Street.
Good News: US GDP is in positive territory, after a dip below zero in the first quarter.
Jobs: Unemployment Claims are steady with slow growth in the “continuing claims”. Over the past 6 months, this number is up about 5 %, near 2 M. Yet, there is much talk of supposed cracks in the job market, leading to a softer market. Good news: We are far from a free-fall.
Looking at the June JOLTS report – Jobs Opening – numbers reported at 7.4 million, slightly down from a revised 7.7 million in May. This rate remains stable at around 4.4% to 4.6% in April and May. This shows jobs market is resilient, but moderating. No free-fall. Additionally, people switching jobs, has dropped to 2 %.
Monetary Policy: June recorded a budget surplus. First time in years. We may see more. Good news: Surplus, due to tariffs, has potential to reduce debt and incentivize lower rates. And with the debt ceiling being raised in the OBBB we will not have that noise coming from DC as policy now rests with Scott Bessant.
Federal Reserve Policy – Steady as she goes, kind of. First time in 32 years we had 2 Fed voting members dissenting to the Policy statement. Harbinger of a rate cut coming next meeting in September? Members speaking to the current restrictive policy in place.
Pro’s and Con’s for Policy. Most countries are easing rates downward. Where is US Fed policy? Higher rates support a weaker dollar, a positive for US exports. It also helps to ease the asset bubble from CoVid. KEY: Timing and liquidity.
Flip-side: Political pressure to lower rates, to thereby lower debt carrying costs and spur investments. Keep your eyes on September.
Housing Appreciation Year-over-year is down to 2.3 %. Yet “non-seasonally” number for May, was actually up 0.4%. Yet news only reported a “seasonally” adjusted, down 0.3%. Roughly, the same issue with both FHFA reporting and Case-Shiller.
The Good, the Bad, And the Ugly
The Good: Positive tax changes benefiting our marketplace. SALT income tax deduction increases to $ 40,000. For those with less income and retired, a $ 6,000 tax credit reducing the amount of Social Security income taxed. Also, OSHA is reducing fines for small businesses, with 25 or less employees, by 70 %.
The Bad: Energy. Most challenges can be fixed or averted, with down to earth planning. Water for fishing? Move water pumps to the end of the line, and the rivers run full. Energy for our buildings? Have all commercial buildings top’d with solar to offset A/C or heating, during the daytime. Housing? Require all major remodels and new homes to include an ADU and allow taller apartments for more units. It is not rocket science. Thus, we the people simply need to elect individuals willing to drive change, based on common sense.
And, the Ugly: All the contrasting noise around public tax policy, when for many Congressional changes, you need 60% votes, not just a simple majority of 51% votes. Funny how they scream or complain, when they already know they don’t have the needed votes.
Perspective
Where are you moving your life plan? For me, Real Estate is an excellent way to diversify one’s portfolio and prepare for retirement. Small business ownership runs a close second. My role in both, is to ask the why questions and then how do you want to achieve it. A good start to achieving the best the outcome. I will provide differing tools to optimize your path to success.
Good News:
Homeownership still ranks as one of the top wealth building tools in America.
In this we can help. We offer a complete set of tools to help you decide what is best for you.
Financial Capabilities: Together, we will focus on your financial capabilities, your historical patterns, and tomorrow’s potentials. Why? Because like many, I too have learned from failure. I learned the importance of self-discipline and solid preparation – both keys of success. Goal: Bringing together dreams, potential, and possibilities into one’s living reality. A unique, hard-earned approach designed to serve you. One that is challenging and helps overcome fears. Call today. We are here to help.
Secret of Leverage: Is there a secret about homeownership with long-term benefits offering a pleasant surprise. Yes. The advantage is what is called leverage. Let’s talk. Call now.
As you look ahead to your tomorrow.
Let’s review options and realistic opportunities.
Readiness, Planning and Preparation
I rarely change this section. Yes, I do repeat it, for each month different people’s interest in real estate changes or becomes receptive. Is this your month? The basics for investing can be straight forward, with good coaching.
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 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 Nation investment property purchases. 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. We can begin by addressing the top 3 questions:
1) Why? Properties continue to appreciate each year, due to supply / demand imbalance. This increase tends to rise faster than money we can save. I have decade deep SFR data for every county in the USA.
2) What about the HIGH interest rates? Benefit today’s buyers, as it takes out speculative pricing and keeps much of the competition on the sidelines, waiting.
3) What about future interest rate drops? As interest rates drop many Buyers sitting on the sidelines will enter the market. This will drive rates of appreciation higher, bring more multiple offers, and over-bidding of price. With buying sooner you will benefit from the lower interest rates and potential benefits of lower loan to value percentages.
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.
Tools: The band of interesting associates we have is very broad. From no monthly repayment loans (think equity share and reverse mortgage 2nd’s for over 55), to our whole life guys are pulling low double digit returns, to equity investors seeing mid to upper teen returns.. Our consulting is investment agnostic.. what works best for YOU?
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.
Truly, success begins with solid preparation and a proven professional – Mike Ryan. I know the ropes and am a proven advocate. I offer time-tested insights and experience. Best, I love to see you achieve your goals. Call us.
We are the professional team who stands with you.
Ready, with feet on the ground, and forward looking !!
Thank you and special blessings for Summer plans and August vacations.
