Good morning to May warmth,
Trade the narrative – Own the truth
April begins the fun month of the home buying season. February saw pending home sales up 2 % – month-over-month – a bit better than estimates, though down about 0.4% – year-over-year, March was up 0.6 % – month-over-month. Looking back, quite typical for March.
Mike Ryan & Associates
No boiler plate Approach to Success
We are your ‘Asset Optimization specialist’
We are not boiler plate. Our initial conversation is two-way, answering relevant questions and gaining a “situational sense” of things. From here we collect needed specific data to match your financial specifics, with the best lenders. Next, we move – with you – through a detailed discussion of lending options. This to finding “the” custom fit in today’s challenging market. Quite a marketing advantage in efforts to achieve your desire outcome.
If this is good for you, I am ready. Let’s start planning tomorrow’s success – today.
To help even more, use this link https://michael-ryan.com. A good guide for Spring Buying and a for setting a time for me to call you. You schedule, I call. I look forward to our first hello.
MARKET NEWS
Economy: Tariffs are the latest headline grabber. What’s new? Efforts to level the playing field with China, as other nations are at different stages of negotiations. What is critical: Give it a few months and be careful of headlines. The sky is not falling, as it seems good to return manufacturing jobs and investments home to America.
Jobs: Unemployment claims hold steady, at acceptable low levels of unemployment.
Federal Reserve Policy: The next meeting is this coming week. Expectation / suggestions are for the Fed to cut rates. Surprise: Historically, the Fed has a 100 % track record of being late to the game. So don’t bet the house on it. The Fed must also watch keep a watch on liquidly.
That said: The Federal Reserve has sought to slow the economy and inflation. It worked.
US Dollar as Reserve Currency: Recent calls ask if the US dollar will remain the “reserve currency”. A good fact: Per IMF (International Monetary Fund), foreign governments have 58 % of reserves in US Dollars, 20 % in Euro’s, 5 % in Yen and 2.2 % in the Yuan. With falling rates & inflation, plus major capital investments in America, you decide – not headlines.
Housing: Headlines vs History: Headline: Contract cancellations at 13 %. Actual: 2024 saw similar numbers, though a bit higher in 2023. Before CoVid, the averaged was near 11 %.
Headline: Seller concessions reach 44 %. This number has been increasing the past year. Historically it is similar to pre-CoVid levels. Considering rates & inflation – not bad.
Housing Slow Down: New building starts are down, as high-end buyers are pulling back – a trend that generally tracks with the stock market. Stocks up, more hi-end buyers; Stocks down, fewer buyers. What to watch for: Effects on our GDP. Add to this, fewer dollars out of DC Congress as DOGE does its job. Locally, it may reduce new spending and stress current housing.
Our Mission: Guidance Based Buying
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 Le’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: San Jose has received the memo. Past stringent guidelines for building are beginning to ease. Fewer “below market” units are required & fewer fees being charged. Outcome: At least 1 multi-family project, once sidelined due to costs, is restarting.
The Bad: Click-bait headline. They lack perspective & balance. One example: Tariffs raise housing prices. Fact, Canadian tariffs on lumber were removed. Then we hear how China tariffs ‘might’ increase our housing cost – as per John Burns – by 2%,. KEY;: Tariffs do not change the cost of diesel fuel, land, labor, permits, cement, asphalt, etc. Ultimately, what the consumer is able and willing to pay, sets prices. Thus, it may effect profits more than price. No panic. The sky is not falling.
And, the Ugly: Lack of sound reasoning, based on more than logic, laziness, and emotions. Educators speak of this in relation to current students. My thought: A lack of the skills of critical reasoning – being taught. Instead trusting the internet and AI, not recognizing dire limitations. We quote other’s work, yet many are unable to explain – defend, challenge, or critique its foundation – to others. Outcome: We don’t know – for ourselves – what makes it so. This leaves us vulnerable, even helpless, to distinguish between fact from fiction. Liberty & freedom requires more – not less – of ourselves.
Perspective on Lending &The Real State Market
Attain information, confirmed by facts and logical reasoning, leads to sound choices. It also means my better understanding you and your particulars; your view of today and tomorrow. It is comprehensive in application, based on you and the key data.
The goal: Build on your financial strengthen, improve where needed, and discuss best-fit lending options. Key Perspective: Slow, disciplined, and steady wins the race in both lending and real estate investing. As the sun rises in the morning, let the day invigorate you, too.
Good News:
Homeownership is one of the top wealth building tools in America.
We can help, with a set tools to help you decide what’s best for you.
Financial Capabilities: My focus: Your financial capabilities and how you view today and tomorrow. Why? Because like many, I too, learned from my failures. Yet we gain lessons of self-discipline and preparation. The Goal: Bringing one’s dreams, potential, and possibilities into a working reality. This is what I bring to you. Guiding, suggesting, cajoling, while also challenging you to challenge yourself. Call today.
Leverage: We bring in-to-play the long-term benefits & advantages of leverage. Let’s talk.
You have Dreams. Wants, and Hope for Tomorrow
We provide the Means, Options, and Realistic Opportunities
Readiness, Planning and Preparation
I rarely change this section. Yes, I do repeat it, as each month someone you know becomes receptive to the information or the need. Who is it this 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 your 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!
A unique perspective to consider: Buy Now, buy as much as you can. Why? Let’s Talk.
3 quick answers to Why;
1) Properties continue to appreciate each year, due to supply / demand imbalance. This increase tends to rise faster than the 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 out of the market.
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.
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.
