Good morning to Labor Day weekend
Services we provide
with promising outcomes
Along with the hope of cooler fall weather, comes the hopeful prospect of lower mortgage rates. This leaves us plenty to discuss, whether here, over coffee, or a phone call. The world continues to turn and challenges remain, as we continue to look at markets always changing.
Consider, as a professional, I work with small business owners and individuals developing financial strategies designed to optimize business growth and real estate assets. Herein, I help navigate complex financing options, considering both short-term and long-term implications. This how one begins to build a strong financial foundation, one ready for the future – today.
Let’s look at range of our conversations:
Market Realities vs MSM hype
- The Build
- Clarifying Investment Plans
- Uniqueness of Person and Individualized Plan
- Needed Advice and Review for Continued Success.
Goal: Turning today’s complexities, into your personal success.
Michael Ryan stands with you
Let’s talk: Is now the time to setup a 1/2 hour initial chat? Good news: It’s easy. Goto: michael-ryan.com. Here you set a time best for you. It is that straightforward. You schedule, I call. It takes all the pressure off, with no sense of obligation. I look forward to our first hello.
Even more Good News: More than your lending professional, we offer our consulting services as an excellent tool in building your future. We offer investment options and strategies to build your portfolio. My Promise: Open to a refund, if results fall short.
We are your ‘Asset Optimization specialist’
MARKET NEWS
Economy: July retail sales beat expectations, though flat to slight decline of 0.1 %. We also saw the level of consumer debt increase, a trend since CoVid. Interestingly the increase is actually a negative effect as a part of disposable income due to wage growth. This includes student loan repayment. Two important small details to helps us keep it all in balance and keep a healthy outlook.
Jobs: I look forward to the September 9th QCEW report and will report it to you, in our next letter. Why? Because the last jobs report confirmed what we have talked about for the past year, plus. The actual massive reduction in the number of jobs created from the initial reportings. With this we also have on Sept. 5th the next regular BLS jobs report. .
Both numbers may impact the Fed decision to start lowering rates.
Federal Reserve Policy: Latest Jackson Hole retreat, brings expectations of a rate reduction at the next Fed meeting – on the 16th and 17th. New York Fed President John Williams, recently suggested interest rates are restrictive, with inflation OK – except in services – and that labor markets are solid.
Unwelcome is recent Fed drama. A Fed member is accused of mortgage fraud. Trust issues.
Housing: John Burns says “Home Builders” may be slowing. Why important. A leading indicator and it shows “land” markets are cooling fast. I blame Powell’s failure to cut rates earlier.
- Collapsed demand: After two years of fierce competition, land demand has collapsed by nearly two-thirds. Some may be due to immigration issues in housing construction.
- Similar to late 2022: Only 28% of land brokers report strong demand in their markets, down from 76% just one year ago. Here, we saw a similar decline in late 2022, with markets awaiting falling rates to bring investors off the sidelines. Powell understands.
The Good, the Bad, And the Ugly
The Good: World-wide rates of poverty. Mexico rate dropped 1/4 since 2018. Argentina fell 2/3, over the past year, as inflation dropped from 200 % to 2 %. Even Iraq, a drop of 1/3.
The Bad: The ongoing challenge of City vs Public desire. Safety a big issue. I do hear more about Cities setting future targets – a very good thing. The balance between City priorities and the needs of the voting people, is an ongoing challenge. Few good answers.
Recent conversations about redoing part of a local park to a pickle ball court with parking. This will require the removal of some park land.
Another: Local city planning efforts to meet State goals for housing, has an estimation pace of building only accomplishing 15 % of that goal.
Support your local cities. Be engaged and when a consensus is met, as to State / Fed legal mandates, help the outcome become real. Let’s prevent the bog downs becoming years long problems.
And, the Ugly: Affordability: Time for math. If prices of common household purchases had increased at the rate of health-care costs – over the past 60 years – here’s what we’d be paying today: $18.94 for a gallon of gas … $230,000 for a midsize car … $1.3 million on average for a single-family home. Don’t be distracted by tariffs. Instead, keeping focus on what really eats into our budgets?
Perspective.
How is life driving your daily life? I offer tools to keep debt management under control. It is part of our topic on financing and a sincere benefit of calling me. Life has its’ events and I want to assure you, I am available to talk. The goal is to bring needed clarity to confusion and panic, while knowing your potentials!
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 sincere 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 as each month as different people’s interest in real estate changes or they become receptive to the message. 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 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 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: Real Estate Centric solutions: Buy Now, buy as much as you can. Here is a most excellent reason to call me! Let’s Talk. We can quickly address the top 3 questions:
1) Why? Properties continue to appreciate each year, due to supply / demand imbalance. This increase tends to rise faster than the money we can save. I have decades deep SFR data for every county in the USA.
2) What about the HIGH interest rates? Benefit today’s buyers, as it takes out speculative pricing and keeps much of the competition on the sidelines, waiting.
3) Rates: What about future rate drops? As interest rates drop, many Buyers now sitting on the sidelines will enter the market. This will drive rates of appreciation higher, bring more multiple offers, and over-bidding of price. With buying sooner you will benefit from the lower interest rates and 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 who 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. 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.
