Real Estate Investment

Real Estate Center RECON Newsletter Name: E-mail: Subscribe Unsubscribe It's Free. Texas Cities... Texas Real Estate Confidence Index 4th Qtr 2005 % Chg Last Qtr .60 -0.04 Apartment Complex Sold SAN ANTONIO (mysanantonio.com) – Blue Star Apartment Management Inc. has purchased Sutter’s Mill Apartment Homes at 11955 Parliament St. from Delta Court Apartments LLC and Tabor Villa LLC of San Francisco for an undisclosed price. More RECON » Holiday Gift Speaks Homebuyer's Language COLLEGE STATION, Texas Have a friend, neighbor or relative who is in the market forbuying or selling a house this holiday season? The Real Estate Center at Texas A&M University has a unique gift idea for less than $10 a glossary of realestate terms that makes real estate transactions easier to understand. More » More News Releases » Events Calendar Season's Greetings ! The Real Estate Center will be closed from December 22, 2005 until January 2, 2006 for the holidays. Instructor Training Courses , May 18-19, College Station, Texas.The Legal Update and Ethics instructor training courses include credit for the required 3-hour Legal Update course and the required 3-hour Ethics course. In addition, each instructor training course will include a brief orientation to the teachers manuals for each course as well as a discussion of training issues.Registration will open in January 2006. More Event Information » What's New • Software Directory Updated • Austin Recovers • Fannie Mae & Freddie Mac? • Homeownership Programs • Urban Big Boxes • Is Texas Land Overpiced? • Housing Affordability Index Revised • Property Tax Court Cases • Brokerage-Related Cases • Growth of Texas Cities • Depreciable Land Improvements • Monthly Review of the Texas Economy (Oct.) • Texas Homebuyers Get More Home . . . • Video: Real Estate is an Attractive Investment • Video: Texas Foreclosure in Perspective • Real Estate Confidence Drops Slightly • Family Violence Victims . . . • Numbers Pop Housing Bubble Talk • It’s Going to Cost More to Keep Cool • Consumers: "More Informal Space" • Hang on After Boarding the Homebuying Ride • Beware of ‘Gotchas’ in Home Warranties • Can’t Stand the Heat, Retire Some Place Else • Hallelujah for Hardware Heaven • Why Builders Say Your House Costs So Much • Signing Away Mineral Rights Forever • Lust for Luxury • Young Buyers Making Big Impact • Home Threats are Closer Than You Think • Lamenting Fragmenting Publications Tierra Grande is our quarterly magazine with timely research and analysis of the trends and events shaping Texas real estate today. Experts on appraisal, housing , finance, law, demography, economics, investment and other areas share insights unavailable anywhere else. Terminology associated with home buying or renting can intimidate anyone. When one party’s native languageis Spanish and the other’s is not, communication can be extra challenging.The Real Estate Center’s newly revised English-Spanish Real Estate Glossary addresses this problem by defining 700 real estateterms in English and Spanish. Now also a software program on CD. Thinking about a real estate career? Click here for a free online copy of Obtaining a Texas Real Estate License . The report includes the steps to take, types of licenses, qualifications, required educational courses, getting credit for previous class work, who offers classes, fees and much more. The Real Estate Software Directory , updated for 2005, features 977 software packages from 617 companies. Created as a resource for anyone whose business relates to real estate, the directory describes programs that design advertising, evaluate budgets, manage contacts, generate legal forms, help with loans or create web pages. More publications » Solutions Through Research News :: Publications :: Data :: Software :: Education :: Cybersites :: Site Map Mays Business School, Texas A&M University, College Station, Texas

home mortgage programs since

AAMI.net offers Option Arm MTA Index and COFI and COSI and CODI and LIBOR real estate mortgages American Advantage Mortgage, Inc. (AAMI) is an on-line deep discount Mortgage Broker specializing in Option Arm mortgages including the MTA Index and Cost of Funds Index (COFI), Cost of Savings Index (COSI), the LIBOR Index and CODI Index real estate home mortgage programs since 1993. AAMI has a dedicated turn-key system which will Educate, Process, and Close your refinance mortgage or first mortgage in the shortest amount of time. AAMI is one of the original internet Mortgage finance companies going online in early 1995. By keeping our phone calls and overhead down, we can offer competitive rates and fees, but still offer personalized service via the Internet utilizing e-mails, Live-Chat, e-faxes, LTrack and our website. One of our main goals is to educate our potential Borrowers on their chosen mortgage program before, during, and after Settlement by continually updating our website with relevant information concerning each mortgage program. Last year AAMI closed over $16,000,000 in Option ARM mortgages without physically meeting a single client; communication was mainly via e-mails. We didnt start out as an internet company, though. Having worked in the mortgage industry for years, our people bring a level of expertise, professionalism and customer service that other internet companies simply cant match. As an internet company run by mortgage professionals, we can offer you the chance to refinance or purchase your home online at substantial savings over traditional mortgage or banking retailers. Obviously, you will save more money by gaining as much information as possible about your potential mortgage terms and Conditions and Closing Cost before your commit to a certain mortgage Broker or Banker. That is why we have placed the actual cost including the Margin, Life Cap, Points, etc. for all to see; there is no guessing and no sales calls. HOME ABOUT US INDEX MORTGAGES INSPIRED DESIGN WEB SITE DESIGN

Colorado Real Estate Guide

Mountain Homes Illustrated Colorado Real Estate: Mountain Homes, Land, Ranches and Commercial Properties in Summit County, Park County, Grand County, Chaffee County and surrounding areas BROKER LOGIN | PUBLISHER LOGIN | ADD YOUR COMPANY! December 29, 2005 155 UsersOnline | 45562 LeadsToDate | © 2005 MHPI UP-TO-THE-MINUTE INFORMATION ... 42913 LISTINGS AND GROWING BY THE MINUTE ... CLICK "NEWEST LISTINGS" BELOW ... OR SEARCH BY FEATURE AT LEFT ... TODAY'S ACTIVE BROKERS ARE LISTED FIRST BELOW... FIND OTHER ADVERTISERS ALPHABETICALLY BY CLICKING ON FIRST LETTER OF COMPANY NAME ... BROKERS LOG IN AT UPPER LEFT ... NEW ACCOUNTS SELECT "JOIN" ... OR CALL 1-800-841-5185 ... THIS SITE POWERED BY XDEADLINE.COM SEARCH 5,447 COLORADO PROPERTIES You can now be automatically notified when a new property matches your search criteria NEWEST Listings in... KEYSTONE MORRISON Buena Vista Guffey Westcliffe Florissant FRISCO BRECKENRIDGE COPPER MOUNTAIN GRAND LAKE SALIDA WINTER PARK Canon City SILVERTHORNE KREMMLING Central City Condos and Townhomes Single Family Homes Lots and Acreages Homes on Acreage Log Homes Commercial Properties Mountain Living Farm and Ranch Properties Getaway Properties Resort Properties Furnished Properties Duplex-TriPlex-Multi Recreational Properties Corner Lot Affordable Bed & Breakfast Golf Course Properties Country Living NEW LISTING Fine Homes Horse Properties Motivated Seller Creekfront Properties Victorian Fixer Upper Gorgeous Views Executive Homes MAGAZINE TITLES • Roaring Fork Valley Real Estate Guide • Mountain Homes Illustrated • Evergreen Conifer Real Estate Guide • Colorado Mountain Real Estate Guides • Summit County Real Estate Guide • Chaffee County Real Estate Guide • Grand County Real Estate Guide • Park County Real Estate Guide • Steamboat Springs Real Estate Guide • Pagosa Area Real Estate Guide • San Luis Valley Real Estate Guide • Vail Valley Real Estate Guide • Custer County Real Estate Guide • Southern Colorado Real Estate Guide • Royal Gorge Real Estate Guide ADVERTISING INFO • Distribution Map • Ad Proofs • Ad Rates • Suggestion Box • Pay Bill Online MAIN MENU Home • Add Your Link • Links • USAHomes.org • Site Statistics • Legal Notice • Contact Us / FTP AD DEADLINES Mountain Homes Illustrated Ski Season V15N1 ADS DUE: Wednesday, January 4 Carbon County Real Estate Guide Spring 2006 Number 5 ADS DUE: Wednesday, February 8 Evergreen Conifer Real Estate Guide March/April Number 10 ADS DUE: Wednesday, February 15 Grand County Real Estate Guide Number 33 Spring ADS DUE: Wednesday, March 1 Mountain Homes Illustrated Memorial Day V15N2 ADS DUE: Wednesday, March 15 Chaffee County Real Estate Guide Spring NUMBER 15 ADS DUE: Wednesday, March 22 Chaffee County Real Estate Guide Spring / Summer NUMBER 15 ADS DUE: Wednesday, March 22 Evergreen Conifer Real Estate Guide May/June Number 11 ADS DUE: Wednesday, April 19 Carbon County Real Estate Guide Summer 2006 Number 6 ADS DUE: Wednesday, May 10 Mountain Homes Illustrated 4th of July V15N3 ADS DUE: Wednesday, May 31 Site Map COLORADO MOUNTAIN HOMES PUBLISHING INC CLICK HERE To See Our Other Magazine Titles Mountain Homes Illustrated (548) Evergreen Conifer Real Estate Guide (488) Grand County Real Estate Guide (107) Summit County Real Estate Guide (91) Chaffee County Real Estate Guide (62) Park County Real Estate Guide (34) Vail Valley Real Estate Guide (16) Southern Colorado Real Estate Guide (16) Royal Gorge Real Estate Guide (10) San Luis Valley Real Estate Guide (9) Custer County Real Estate Guide (9) Pagosa Area Real Estate Guide (7) Colorado Mountain Real Estate Guides (4) Steamboat Springs Real Estate Guide (2) Roaring Fork Valley Real Estate Guide (0) SEARCH PROPERTIES | | 100 NEWEST LISTINGS | | ADVERTISER LINKS | | CONTACT US [A] [B] [C] [D] [E] [F] [G] [H] [I] [J] [K] [L] [M] [N] [O] [P] [Q] [R] [S] [T] [U] [V] [W] [X] [Y] [Z] [1-9] Listings Updated December, 29 (Kremmling) (27 Properties) "Specializing in Grand & Summit Counties!" (Grand Lake) (46 Properties) "." (Silverthorne) (24 Properties) "Serving Summit County and Neighboring Areas" (Salida) (120 Properties) "3 offices to serve you in Buena Vista, Salida and South Fork" (Gunnison) (29 Properties) (Divide) (12 Properties) (Westcliffe) (68 Properties) (Alma) (39 Properties) "KNOWLEDGEABLE AND PROFESSIONAL SERVICE" (Englewood) (Conifer) (8 Properties) (Buena Vista) (137 Properties) "OUTSTANDING AGENTS, OUTSTANDING RESULTS" (Grand Lake) (29 Properties) "A GRAND REAL ESTATE EXPERIENCE" (Evergreen) (36 Properties) "Excellence in Real Estate" (Divide) (8 Properties) "Serving Teller & Park Counties" (Buena Vista) (93 Properties) "We Specialize in Dream Properties" (Frisco) (29 Properties) "Enjoying Life in Summit County for over 20 Years" (Denver) (Breckenridge) (7 Properties) "Selling Great Views and Values in Summit County" (Winter Park) (9 Properties) "The Buyer's Agent of Winter Park and Grand County" (Woodland Park) (3 Properties) "Making your dreams a Reality!" Listings Updated December, 28 (Salida) (23 Properties) "Real Results For Real People" (Buena Vista) (25 Properties) (Alma) (31 Properties) "PROFESSIONAL AND EXPERIENCED IN PARK COUNTY REAL ESTATE" (Buena Vista) (Conifer) (4 Properties) "Working hard to make your transaction smooth!" (Breckenridge) (8 Properties) (Westcliffe) (8 Properties) "Homes, ranches, and vacant land." (Canon City) (37 Properties) "Come Live Your Mountain Dream!!" (Pine) (9 Properties) "EXPERIENCE, KNOWLEDGE, RESULTS!" (Breckenridge) (59 Properties) "Rock Solid in Summit County Real Estate" (Salida) (22 Properties) "MAKING REAL ESTATE REAL EASY!" (Frisco) (8 Properties) "Joanne Hanson's Mountain Living Team" (Alma) (32 Properties) "Cabins, Homes & Land in Park County" (Golden) (6 Properties) "Your Realtor For Life" (Salida) (111 Properties) "A HALLMARK IN REAL ESTATE" (Fairplay) (27 Properties) "In the Heart of the Rockies" (Grand Lake) (41 Properties) "Grand Lake's Newest Office!" (Lakewood) (3 Properties) "Sun-sational Transactions guaranteed!" (Buena Vista) (103 Properties) "Experience is our edge" Listings Updated December, 27 Listings Updated December, 26 TODAY'S FEATURED LISTINGS Guffey,CO LARGE ACREAGE BORDERING NATIONAL FOREST Westcliffe,CO BED & BREAKFAST IN THE MOUNTAINS ,CO OLD RANCH BLUE RIVER,CO 3 HUGE BEDROOMS W/ATTACHED BATHS Evergreen,CO EVERGREEN Guffey,CO WATCH THE ELK Westcliffe,CO UTE MESA HOME Westcliffe,CO COME ENJOY COUNTRY LIVING! Florissant,CO 65 ACRES WITH PANORAMIC VIEWS Guffey,CO NEARLY NEW HOME ON 6 ACRES XDEADLINE.COM LEGAL NOTICE UPDATED Dec 26, 2005 Our associated domains: () are a compilation of ads that have appeared in current or previous issues of our participating homes and real estate magazines, properties submitted by individual brokerages, and linkssubmitted by individual Web Site Owners. To report dead links, expired information, or to request removal of a link, please send email to the administrator: Craig Baker , and every effort will be made tocorrect the information, or remove the link. Our primary domain ( XDEADLINE.COM ) provides a list of participating magazines by independent publishers, and magazine titles by member publishers of The National Association of Real Estate Publishers (N.A.R.E.P.) . The information contained for each publisher or title is from the last information available to us. Unless specifically stated otherwise, we do not formally represent any independant publisher or magazine title linked to or mentioned on this website. All real estate advertised on this Internet Site is subject to the US Federal Fair Housing Act of 1968 and all amendments.and information is from sources deemed reliable. However, no warranty as to the accuracy of any ad or the suitability regarding any property advertised is offered. Neither the broker, the local magazine publisher, nor the internet publisher will be responsible for typographical errors, computer programming errors, or errors in fact that may appear on this website. Users are hereby advised to obtain independent property reports.

Real Estate Loan

Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages on Yahoo! Real Estate Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Hurricane Katrina Resources Features Classifieds • Sell Your Home • Rent Your Apartment Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports Resources • Find & Compare REALTORS • Find a Mover Insurance • Homeowner's Insurance • Renter's Insurance Tools • What's My Home Worth? • Research Neighborhoods • Free School Reports • Foreclosure Center • Home Service Center Commercial Real Estate • List Commercial Property National Mortgage Rates Tue Jan 18 Mtg Loan Rate APR 30-yr Fixed: 5.25% 5.38% 15-yr Fixed: 4.74% 4.94% 1-yr ARM: 3.53% 5.20% See Local Mortgage Rates Provided by Bankrate.com Neighborhood Profile Research neighborhoods nationwide! City, State, or Zip: Real Estate Listings Browse by City New! Home Loans Center - Find, Compare, & Graph Rates Find a Home Find a Rental City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Mortgage Payments Calculate your biweekly & monthly payment for different loan amounts, interest rates and amortization terms. Loan Amount: $ Term (years): Interest Rate: % Show table?: Yes No See More Loan Calculators Sponsored Links (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Featured Videos Dream Home Videos by Inman Stories Real Estate News A term every home buyer, real estate agent, homeowner should know Dec 28, 2005, Inman News Rolling Boom Lifts Real Estate Beyond Coastal Cities, States Dec 28, 2005, Realty Times Housing Affordability Hits 14-Year Low Dec 22, 2005, RealEstateJournal.com New home sales tumble but consumers bright Dec 23, 2005, Yahoo! Finance REIT Funds See More Growth In 2006 (Investor's Business Daily) Dec 27, 2005, Yahoo! News New Home Sales for 2006 Look Good Dec 23, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages

Investment Property Calculator An

Investment Property Calculator http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Investment Property Calculator An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property. Investment Property Calculator Property Address PROPERTY_ADDRESS Property Information PROPERTY_INFO Financing Information Purchase Price PURCHASE_PRICE Cash Invested CASH_INVESTED Loan #1 Amount LOAN_1_AMOUNT    Interest Rate INTEREST_RATE_1    Monthly PI LOAN_1_PI    Term in Months TERM_IN_MONTHS1 Loan #2 Amount LOAN_2_AMOUNT    Interest Rate INTEREST_RATE_2    Monthly PI LOAN_2_PI    Term in Months TERM_IN_MONTHS2 Property & Depreciation Information Land Value LAND_VALUE Personal Property PERSONAL_PROPERTY Building Value BUILDING_VALUE Personal property depreciation PERSONAL_PROPERTY_DEPRECIATION at PERSONAL_PROPERTY_DEPR_RATE depreciation Building depreciation BUILDING_DEPRECIATION at BUILDING_DEPR_RATE depreciation Total Depreciation TOTAL_DEPRECIATION Gross Operating Income Annual Rent ANNUAL_RENT Less Vacancy LESS_VACANCY Gross Operating Income GROSS_OPERATING_INCOME Annual Expenses Real Estate Taxes REAL_ESTATE_TAXES Utilities UTILITIES Insurance INSURANCE Maintenance/Repairs MAINTENANCE_REPAIRS Advertising ADVERTISING Admin/Legal ADMIN_LEGAL Supplies SUPPLIES Miscellaneous MISC Total operating expense TOTAL_OPERATING_EXPENSE Operating expense ratio OPERATING_EXPENSE_RATIO Tax and Appreciation Rates Tax bracket TAX_BRACKET Appreciation rate APPRECIATION_RATE Cash Before Taxes Gross Operating Income GROSS_OPERATING_INCOME Operating expense - TOTAL_OPERATING_EXPENSE Net Operating Income = NET_OPERATING_INCOME Annual Debt Service - ANNUAL_DEBT_SERVICE Cash Flow Before Tax = CASH_FLOW_BEFORE_TAX Cash After Taxes Net Operating Income NET_OPERATING_INCOME Total Interest - TOTAL_INTEREST Total Depreciation - TOTAL_DEPRECIATION Taxable Income = TAXABLE_INCOME Tax Paid or Saved TAX_PAID_OR_SAVED Cash flow after tax CASH_FLOW_AFTER_TAX Rates of return Total appreciation TOTAL_APPRECIATION Return on Investment with appreciation RETURN_ON_INVESTMENT_WITH_APPRECIATION Return on Investment without appreciation RETURN_ON_INVESTMENT_WITHOUT_APPRECIATION Cap Rate CAP_RATE Cash on Cash CASH_ON_CASH Schedule **REPEATING GROUP** Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. " This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below: Get the Java(TM) Plug-in! Definitions Cash Invested The money, you the investor, actually have to put down on the property. (out of pocket). Usually it is the amount of earnest money you invest in property. Interest Rate The amount of interest the investor pays annually to borrow money from the lender. Rates and programs can vary, check with lender for more information. Land Value The approximate value of the land that the property sits on. Usually available on the tax records in the county the property resides. You can not deprecate land value. Personal Property Anything that you have that is used for the investment property, such as washer/dryer, range, refrigerator lawn equipment, fixtures and other. Personal Property Depreciation Rate The rate annually you can depreciate on the personal property. Building Value Depreciation Rate Recovery period for five-year personal property. Year Percentage 1 20% 3 14.20% 5 11.52% 2 32% 4 11.52% 6 5.76% Appreciation The amount the property is on an annual basis appreciation occurs on entire value of the property Loan P & I P=principle, I=interest Total Depreciation Total amount you can depreciate annually on personal property and building value. Gross Operating Income The amount of income available after vacancy. Total Annual Operating Expense The total annual expenses including real estate tax, repairs, management fees, insurance, utilities, supplies, and other miscellaneous expenses. Operating Expense Ratio It's the percentage amount- based on the income 23 - 30% is considered average. Net Operating Expenses Total annual amount of expenses. Cash Flow Before Tax What's left after expenses, principle payment and interest. Annual Debt Service Your payment to lender including principal and interest. Equal Principle Reduction The amount left annually as you pay down the principle and interest. Return on Investment w/appreciation Cash flow before tax + principle reduction + taxes saved/paid + appreciation divided by cash invested. Includes appreciation. Return on Investment w/ out Appreciation Does include same formula above except appreciation. Cap Rate AKA= Net operating income divided by price, capitalization rate, rate of return- Anything in Double Digits is Fantastic! Cash on Cash Cash flow before tax % cash invested. Investment Appreciation Annual Percentage of increase of appreciation of property. Total Return The total analyzation of returns of the property. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.