Good morning to Summer breezes & celebration of July 4,
Services we provide
with promising outcomes
This month is a month of preparation for falling mortgage rates in the Fall. A unique opportunity for those carefully waiting to Buy. With this, I look forward to meeting a few of your friends ready to Buy. I will help explain the strategic benefits of early preparation – before taking actions.
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, where we layout – for you – an easy to follow trajectory of progress.
The range of our conversation:
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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 stands with you
Promises: If the results are not what is expected, a refund is offered.
Let’s talk: Is now the time to setup a 1/2 hour initial chat? Good news: You can go to: michael-ryan.com to set a time best for you – with no obligations. It is easy. You schedule, I call. It takes all the pressure off. I look forward to our first hello.
We are your ‘Asset Optimization specialist’
MARKET NEWS
Economy: The economy affects everyone. Final 1st Quarter GDP numbers are showing a -0.5% reduction in performance. Not bad, with better news coming.
Jobs: Unemployment Claims are steady with slow growth in the “continuing claims” number approaching 2 M. Over the past 6 months, this number is up about 5 %.
Monetary Policy: Conversations continue between the Fed Reserve and Treasury Department. Discussions concern deregulation of bank liquidity restrictions. There is some agreement and a good likelihood of change. Markets rates are easing, on the news, as it would add competition.
Federal Reserve Policy – A Helpful perspective: CoVid brought a loss of $850 Billion in productivity. In response our government kicked in $4 Trillions and the Federal Reserve $5 T, through Quantitative Easing. Outcome: An inflationary asset bubble caused by too many dollars chasing a severe supply-chain shortage. Sadly, some of this bubble remains. Risk: Reducing rates too soon, or too rapidly, could re-ignite inflation.
Offset: Dropping oil prices and lower gas prices, significantly reduce transportation costs, farm and fertilize costs, and other ripple effects. I look to lower mortgage rates in the Fall. Plus lower rates, may increase productivity and product supply, offsetting supply chain issues.
Housing: What a difference a year makes – except in the housing market. Compare this May to May, 2024, and the comparison is really a match. Both numbers are so close the differences can be called a rounding errors. Good news ! With similar numbers for about 2 1/2 years, there isn’t much to add or take away from the market.
Slowdown in housing sales: This may be an indicator of slower household formation. Our annual average has been near 1.8 M new households formed annually. Yet, over the past 6 months, this same number has dropped to about 1.2 M pace. Good news: Our pace of building new units – rental and owner-occupied, is finding a better balance. Question: If interest rates drop, in the face of a reduction in formation, could we see another issue of unanswered pent up demand?
The Good, the Bad, And the Ugly
The Good: In listening, reading and learning, a fabulous suggestion from David Bahnsen: We should ignore the latest headlines du jour, as headlines rarely impact the long-term economy. In short, take care of one’s emotional sensitivities. And we can help you, by way of developing a rational, long-term investment strategy.
The Bad: A sad story about PG&E. Back in the day, to build new power plants PG&E had to first raise $100 M. Rates payers paid an additional $.03 / KW charge. Being a bond sale, the State held the money. By the time $100M was raised, the cost was now $150M. Outcome: State would not release the $100M, as it would not finish the project. The State kept the money.
Reminds one of FNMA and FHLMC. Government took control after the financial reset and all profits went into the “general” fund. Now the same government claims it lacks needed liquidity to go private. Think? Strip the savings account and then say, sorry we can’t.
Government, lacking open competition, hides the small details and layers of funny money.
And, the Ugly: Something we can fix: Terminology. Time for the term ‘uncertainty’ to go away in favor of: “measurable degrees of confidence”. Clarity helps overcome knee-jerk response to headlines.
Perspective
Question most asked: ‘How do I make this happen?” Good news: I am a problem solver and love, yes, when others say, no. My efforts are far more than what’s written on the business card. I offer a more in-depth discussions – with guidance, as a personal financial trainer – beyond the complex process of financing a home. I also help finance other real estate investments, including apartments, commercial property, in-state or out-of-state, and tax-deferred exchanges. When it comes to real estate I am your qualified professional.
To me: real estate is an excellent way to diversify your portfolio and prepare for retirement.
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: My focus is your financial capabilities, your historical patterns, and tomorrow’s potentials. Why? Because like many, I learned from failure, the importance of self-discipline and solid preparation – the keys of success. Goal: Bringing together dreams, potential, and possibilities into one’s living reality. This is a unique, hard-earned approach with a desire to serve you. Guiding, suggesting, cajoling, while also challenging you to overcome unnecessary fears. Call today. We are here to help.
Leverage: A secret of homeownership is the long-term benefits & advantages of leverage. Let’s talk. It is a good place to start.
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 and 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, Nationwide, 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: Buy Now, buy as much as you can. Why? Let’s Talk. We can begin by addressing 3 quick statements:
1) Properties continue to appreciate each year, due to supply / demand imbalance. This increase tends to rise faster than money we can save.
2) High interest rates can benefit today’s buyers, as it takes out speculative pricing and keeps much of the competition on the sidelines, waiting.
3) When, and 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. Market timing can be an important, but good preparation comes first, with the added advantage of refinancing, as mortgage rates move lower.
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: We offer multiple tools and proven methods. The goal: Offering highly qualified and knowledgable professionals ready to make it happen.
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.
