Good morning to Summer breezes,
Outcomes of promise for the Service I provide
This month, I look forward to meeting a few of your friends ready for an informative conversation about the benefit of early preparation – before taking actions. One goal: Identify strength and weakness of one’s finance. It’s the best way to overcome any trouble, now. With this, we bring the consulting side of our specialty designed to build strategies of success. In this way, we are able to layout – for you – an easy to follow trajectory of the progress.
Why Michael Ryan? If the results are not what is expected, a refund is offered.
Is now the time to setup a 1/2 hour initial chat? Good news: Go to michael-ryan.com It is easy to set a time best for you – with no obligations. We turn the complex into your success.
No boiler plate Approach to Success
We are your ‘Asset Optimization specialist’
Our initial conversation is about answering questions and gaining a sense of your situation. We collect financial data specific to what is needed and match it with the best lenders. From here, we move to a detailed discussion of options. Custom fit for today’s challenging market. This provides a market advantage to achieve your desired outcome. If this fit you and your needs, I am ready. Let’s start planning tomorrow’s success – today.
You schedule, I call. It takes all the pressure off. I look forward to our first hello.
MARKET NEWS
Economy: Good, bad and uncertain. Tariff’s are much discussed. Will they initially bring higher prices and inflationary pressure? Yes, No and Maybe. Some prices are up, even without tariffs are being imposed. Some are not up. Keep in mind the positives – level the tariff playing field, increase US manufacturing and bring jobs home to America. And never forget, ultimately consumers set the price you are willing to pay. Thus, do not over react to the hype.
Headline: April consumer spending ‘chilled’ up only 0.1 %. Last time I checked my math, a “+ sign” is still good.
Jobs: Unemployment claims hold steady. Simple statement this month.
Monetary Policy: The unspoken part of the conversation: Bank liquidity is being tied up in the complexity of Government bid & asks, in Treasuries. Bottom Line: liquidity is key.
First Quarter 2025: Total U.S. consumer debt – total household debt – was about $18.20 trillion. Of this: Mortgages – $12.80 T, or 70% of total household debt, Credit cards – $1.18 T, Auto loans – $1.64 T, Student loans – $1.63 T, Home equity lines of credit (HELOC) – $0.40 T, and Other consumer loans – $0.55 trillion.
Federal Reserve Policy: On hold, pending more data. My take: Federal Reserve Board will continue its 100 % perfect track record of changing policy late in the game. Yet it remains an important piece of information for investors. Another lagging indicator is public sentiment. Key: Don’t be overly influenced in either numbers in your buying determinations.
Housing: Key: Supply & Demand. Current level of permits, is trending lower, now down 3 % year-over-year. Most hit: Single family permits, down 6% year over year. New Starts: The new starts number – ground broken – is a good indicator of future supply. Overall, single family is down 12 %, while multi-family is up 30 %. Said numbers are volatile, with the total number of New Units Started, at about 1.4 M a year. Summary: Rising hope for more property appreciation – with new demand exceeding supply by 0.4 M / year – 1.8 M new total demand.
The past year was a bit better with completions closer to 1.5 M. Note: All the numbers are in decline. It has nothing to do with tariffs and headlines, as tariffs have yet impacted the supply chain. The next 2 – 6 months will provide more accurate data, including if tariffs will be offset by big savings in energy. Keep in mind, final tariff levels are subject to change to even lower.
Our Mission: Guidance Based Buying and Selling
We strive to help guide, challenge, and support those seeking to build wealth. This pledge is for clients seeking real estate, and for Small Businesses. Consider us your professional guide for ‘Asset Acquisition and Optimization Strategies’. It’s a first-rate tool helping teach readiness, market timing, preparation, and patience.
We are at your call. Let’s start today with our first conversation. A big step to building a plan of action. Our goal: A “timely”, detailed plan matching your investing skills with your dreams. Start planning today. Call Now!
The Good, the Bad, And the Ugly
The Good: Every few months I have the pleasure of giving a brief talk to one of our local networking business growth groups. Here is a link to the last recording. https://www.youtube.com/watch?v=hQaUwjqQYZ8
The Bad: My sense of our local building is another puzzling story of 2 worlds – high and low-end, with nothing in the middle. Remodeled and new homes are as big in size, as possible, generally targeting high-end income earners. The low-end in apartments with continued growth and building of affordable apartments. Fabulous for apartments.
Yet, what about starter homes? For this, we do not have open land to build-out subdivisions. And, those being built in South County are targeting the larger homes – higher end finishes. I don’t see a way out of this challenging imbalance. Maybe the burgeoning ADU building movement and potential to split the lots, will start to fill this gap.
And, the Ugly: The story of “too little, too late” A lesson often learned again and again, regards buying or not buying. How often do we speak with professionals, or talk with trainers or, even asking our neighbors, before making a major financial decision. Sometimes it may indicate a buried concern of broken trust. One of the ugliest aspects of the lending business. Yet, over years of buying/ investing, across a vast array of clients, those with the confidence to share their story – success, struggles, losses, and dreams – prove to be most successful. Part of the confidence is the care I take to build a trusting relationship with each of my clients. We are your trusted and proven professional.
Perspective
Most initial conversations, ask the question, “How do I make this happen?” Good news: I love problem solving and offering more than what’s written on the business card. From the ongoing conversations, we are able to offer an even more in-depth discussion and provide additional guidance, as a personal trainer – beyond the more straight forward process of financing a home property. This includes investing in other forms of real estate, including apartments, commercial property, in-state or out-of-state, and tax-deferred exchanges. As you can tell, I believe 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 around your financial capabilities. It is about you, your historical patterns and tomorrow’s potentials. Why? Because like many, I have ‘come from the ashes’ of failure to learning the lessons of self-discipline and preparing for success. Goal: Bringing together dreams, potential, and possibilities into one’s living reality. This is a unique, hard-earned approach meant to serve you. Guiding, suggesting, cajoling, while also challenging you to not let pointless fears hold you back. Call today. We are here to help.
Leverage: We bring insight into the long-term benefits & advantages of leverage. Let’s talk.
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, as each month different people are or become receptive. Is this your month? The basics for investing are pretty straight forward. 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 are straight forward, logical, and built on sound reasoning. No doctorate in finance needed to plan and succeed.
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 a range of meaningful options needed to enhance one’s discernment – based on market realities. Call today. Let’s set a time.
Why Call Mike
What We Do – What We Offer – Why We Are Here
I know, study, and carefully examine financing options, matching you. 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 what is the most feasible fit for you. And we are always ready to help. It is how we have built so many trusted relationships – growing your wealth and securing your 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 now sitting on the sidelines will enter the market. In turn this will drive the rate of appreciation even higher, from multiple offers and over-bidding of price. Market timing can be an important investment tool with the advantage of refinancing to lower mortgage rates.
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. Call today.
We are ready, feet on the ground, and forward looking !!
Thank you and special blessings for the coming year.
