Good morning to the joy of a New Month;
PROFESSIONALISM
Preparation with Promising Outcomes
While lending continues to be the foundation of our business, our differentiation is delving into the news, past the headlines in their desire to confuse and misdirect.
To this, we apply the same discipled approach each day, to build a strong foundation not easily moved by emotionalisms. In this vein, I an ever thankful for another year of writing, reading, researching and learning about your financial goals. Let’s talk.
If you are ready, Call Today. I look forward to our first discussion, and ongoing conversations – even your friends waiting to Buy or Refinance. Let’s talk the pricing benefits of early preparation. It is key.
You can expect us to work towards identifying strengths and weakness of the proposed transaction, the property, the project, the borrowers. Goal: Maximize potentials and overcoming possible trouble.
This is an added benefit to our real estate finance speciality. A consultive approach to our service, building successful strategies and easy-to-follow trajectories, 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 stands with you. 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: Muddling sideways. In spite of this past weekends events, the market remains relatively calm. Uncertainties continue while the equity markets appear unfazed by economics.
Employment: A quiet month. No new shocks in the labor indices. The current challenges within the reporting methodologies are still in place. And, the equity market ignored the last BLS jobs report as being unbelievable. We will continue to seek reportable numbers. In this, the true numbers exist with about a 6 month lag.
Residential Lending: While interest rates eased a bit the past month, the bump from last weekends events – if history repeats – should move back to where we were last week, in a week or two. Of course, ongoing news and data releases may have a voice in that.
Even more interesting is subtle pull-backs in lending with the Big 4. Competitive pricing is coming back to the mortgage broker space.
Inflation: Continues to be tame, and the use of trailing 12 months for our data continues to slowly improve the posted numbers. The current readings will range from high 1’s to high 2’s depending upon the data source. Suffice to say by all accounts inflation is under control.
The Good, the Bad, And the Ugly
The Good: In the United States, geothermal is having a real moment, with Big Oil, perhaps seeing the writing on the wall, looking to transition its expertise. Brock Yordy, a third-generation driller, talks to Inside Climate News about how he hopes to lure other drillers like himself into geothermal, while Fervo, a startup piloted by a former fracking guy, just drilled its hottest well to date in the western United States.
The Bad: Past 10 years the employment growth in the education system has only 17 % of the increased workforce be actual teachers. I am not against the administrators and the incredible job they are doing. They are in place. I am speaking to where the increased budget spending is going. Hence this months Bad.
And, the Ugly: I recently read a report that stated the highest percentage in CA history of sales of SFR in the State were driven by inheritance. Meaning, the shift in legislation restricting the passing on of Prop 13 property tax rates to a much smaller pool of inheritor’s has resulted in more properties coming to market. I hope this was the intention of those in support of trimming the Prop 13 rules.
Perspective:
In the battle of headlines on affordability comes the ongoing comments regarding the later ages of 1st Time homebuyers. My perspective is a shift in this as the past couple of decades, each apparent jump up in the age also occurs after an economic debacle. Think the GFC and CoVid. One has to wonder if the downturns leave a latent negative bias? I feel this in the conversations I am having with clients under the 40 ish age group.
While on the topic of Affordability, never spoken in the media is an underlying fact: You cannot Legislate affordability!
Success:
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 and your future.
Here again, the lending market is continuing to increase offerings, some noted earlier. The wealth effect as exemplified in the stock markets, gold, etc. has money looking for work. Real estate secured financing is a favorite vehicle. We get the results of this money, seeking placement and having companies continue to expand offerings. Great times for those in need of capital.
Call today. We are here to help.
Secret of Leverage:
Is there a nice benefit of homeownership vs renting, with long-term benefits providing a pleasant surprise? Yes. The advantage is the special benefits of leverage. Let’s talk. Call now.
As you look ahead to your tomorrow.
Let’s review today’s options and realistic opportunities.
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) What about the HIGH interest rates? In one aspect, this benefits today’s buyers, as it takes out speculative pricing and keeps much of the competition on the sidelines, waiting.
3) What happens if rates drop in the near future? 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. With buying sooner you can still benefit from lower future rates, plus gain the 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.
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.
