Good morning to the joyful Holiday seasons of December;
PROFESSIONALISM and Preparation
with promising outcomes
A month of news: Primary is the government re-opening.
Good News for Buyers: Mortgage rates are taking another run at the lows experienced a couple of times this year. Good time to consider refinance and loan consolidation.
This matches well with our constant calls to preparation and purchasing of property. Why? The net worth of a homeowner is 44X that of a renter. Spring buying could be exciting.
If you are ready, Call us today. I look forward to our first discussion, even with your friends waiting to Buy or Refinance. Let’s talk pricing benefits of early preparation.
First Goal: Identify strengths and weakness of clients finance, giving time to maximize potentials and overcome possible trouble. This is an added benefit to our real estate finance speciality. A consulting service, building successful strategies and easy-to-follow trajectories.
- 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 stands with you
Let’s talk: What better time to setup a 1/2 hour initial chat? Let’s make it easy. Goto: michael-ryan.com. Here 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 present tools and options, with you deciding the best investment path to walk. My 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
Jobs: Weakness is real. ADP’s rolling 3-month job creation numbers are down to 3,ooo. They were 200,000 a year ago. Federal Reserve are you listening. Time for another rate cut?
Residential Lending: Residential loan products – reminding one of what was called the Great Financial Conundrum – are again entering the market. These are the more flexible programs: Stated income, no tax returns, and such. A sign Lender underwriting is far better prepared than before. New programs and lending products re-enter the market, benefiting Self-Employed, Real Estate Investors, Asset-rich Households, Foreign Nationals and Credit-event Come Backs. Have a unique need – Call today.
Housing – Home Sales: Numbers are up. Existing home sales increased, as did new home sales. For all the noise about affordability, I simply point: If all the news is about the bad market, know this, everything available is being sold – and in a timely fashion’
Inflation: An inflation number not governmental reporting, is eating at us hard. Utilities. Overall, utility costs have exceeded inflation nearly every year over the past decade. Paying the price for solar infrastructure and wildfire mitigation, lead the way as to increases.
As for standard reported inflation, the metrics continue easing. For September the PPI was up 0.3 % , with most tied to gasoline – up 12 %. The Core reading was up 0.1 % with a year-over-year read of 2.6 %.
The Rage: AI: How quickly a market can change. Recently, I pooh poohed the AI bubble talk. Then within weeks, the Fab7 and others, came to the bond market to the tune of $100 Billion. This for the sake of AI growth and buildouts. With the investment horizon expected to be looking at 1Trillon per year, the future looks bright, but potential for an over-build and value reset?
The Good News: These are not “new” companies with untested balance sheet of dot.com days. Such speaks to capitalism on full go with great potential for job growth. There will be winners and losers in all of this, and how it shakes out will prove interesting.
The Good, the Bad, And the Ugly
The Good: From The Rational Optimist, we read: The Blight is the ever-growing tangle of rules and layers of bureaucracy strangling innovation. The Blight is why you wince when you open your power bill, why health insurance costs a second mortgage, and why America can’t seem to build anything on time or on budget.
In response: Step 1) In June, the President signed an executive order overturning America’s ban on supersonic flight. Step 2) We let a scary story about “radioactive goo” beat the facts, and take away nuclear energy — our cleanest, safest, most reliable source of power. Step 3) In March, the President signed four executive orders to free nuclear energy – The Blight.
The Bad: In response to talk about what’s bad, people are bringing perspectives on ways to bring improvements, innovation, and constructive ecological repair. It brings hope to the conversation. Thus, what is the Bad this month? It’s the unbalanced percentage of headlines stressing doom and gloom; of finding no hope in individuals. A friend once said, if we embrace 80 % of negative, and if we carry it to the next day, it becomes 95 %. Do me a favor, give someone you know, an unexpected and friendly hug – a great gift for the Season.
Speaking of headlines: I subscribe to and read, Fix The News. It recently dug into MSM reporting – NY Times, Wa Post, and Fox news. A sad imbalance: Heart disease and cancer account for 56 % of annual deaths, yet only 7 % of news coverage. The other end of the scale is terrorism. This accounts for 0.001 % of deaths, yet gets 18 % of coverage. Another is Homicides. 1 % of deaths annually and 49 % of media coverage. They use the term Misery Machine. Such as this, I call Miserabalism.
And, the Ugly: The harsh reality check to investing in California: Tesla built its gigafactory in Austin, in the same amount of time it takes to get a single permit trapped in California bureaucracy.
Perspective
Misserabalism: Even in my industry, there are news sources carrying a certain pessimistic tone often by way of mis-using / presenting data. Annual deficit spending is going to hit 2 T. Spoiler alert, we have been at 2 T per year since Co-Vid. How about the Federal Reserve balance sheet being used to monetize the debt? Spoiler alert, the Fed balance sheet has dropped over 20 % since the Co-Vid peak – to the tune of a reduction of about 3 T dollars. Tariffs should help.
Yes, we have problems, but we know what they are. Most often is those we elect to govern, at all levels, promoting partisan spending priorities, not putting voters first. An issue on both sides of the isle. It is what motivates “the Good, the Bad and the Ugly” my effort to keep the conversation open and more transparent.
Where is your investment life plan taking you? For me, Real Estate is an excellent tool to diversify one’s portfolio and prepare for retirement. Small business ownership runs a close second. In both, my role is to ask the ‘why’ questions and then help in determining how to achieve it. I provide differing tools, options, and perspectives to best optimize your 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 focus on your financial capabilities, historical patterns, and tomorrow’s potentials. Why? Because like many, I learned from failure and the joy of success; the importance of self-discipline and solid preparation – all keys to success. Goal: Bringing together dreams, potential, and possibilities into a personalized plan. 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 with 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 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 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, 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 deep SFR data for every county in the USA.
2) What about the HIGH interest rates? In one aspect, this benefit 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 drive rates of appreciation higher, bring 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.
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, offering 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 a special blessing as we look forward to a most Joyous Season of song.
