Denver Real Estate needs

Aurora Real Estate - Denver Homes for Sale - Arapahoe County Real Estate Michael "Mike" Strear e-Pro, SRES (303) 263-4993 Working with Seniors and their Denver Real Estate needs Featured Homes - Looking for just the right property? Check here first! Buyer/Seller Tips: Read through helpful tips of information on buying or selling your home! What is your Home's Value? Let me figure out how much your home is worth in today's market! Local Schools: Identify the best school district for your family with my free schools reports. Local Weather: Get up-to-date information on weather in the surrounding communities. Map & Driving Directions - Need a map to my office or anywhere else? The marketing focus of this site is shifting towards Seniors, their needs and lifestyles. It has become apparent that single level homes are more convenient than multilevel homes for many of you and for me. I have proudly, just received my SRES (Seniors Real Estate Specialist) designation, following sixteen hours of classroom instruction. This designation will aid me in my relationships with the mature communities in the metro area. A page has been added , listing the many Town Home, Condo and Patio home areas in the metroplex that specialize in Senior living. Please press the "Senior Living" button near the top of the left-hand column and view the beginning listings on the page. This page will continue to grow from now on. Of course, I will still continue working with buyers and sellers of all ages. I have added a new button in the left side column. "Local Economy" is a link to the Denver Economy Tracker newsletter and is provided by North American Title. This can be easily reprinted for your use and I hope you enjoy the information it contains. The "Find a Home" button is a direct link to the Multilist and allows access to most of the For Sale Homes that are available. The "Newsletter" button located at the bottom of the column at the left is new and is loaded with information. As always, the "Local Partners" button leads you to many of the people that I have worked with for many years. If you have additional needs and cannot locate help on the "Partners"site please contact me for further information . If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection processes, and receiving a timely market evaluation. Thanks for visiting my online real estate source. Please bookmark this site for future reference, and ENJOY! Favorite Links SeekOn/Real Estate Michael E Strear Keller Williams Realty 3095 S Parker Rd. #200 Aurora, CO 80014 Cell: (303) 263-4993 Office: (303) 745-1100 Fax: (303) 745-3446 E-Mail: Mike@cdenverhomes.com Relocation Network & Partners Click here to link with this site! Real Estate Associates Relocation Connection REALTOR® Partners Real Estate Agents & Realtors Colorado Real Estate Agents Colorado Realtor Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

Home Loan

Welcome to FHLB Cincinnati! -- -- Members Only Login User Name: Password: -- Terms and Conditions Privacy Policy Many documents on this site require Adobe Acrobat. Download Now Housing Workshops The FHLBank is holding regional workshops on the Affordable Housing Program (AHP) and Welcome Home program from January 19 through February 2 throughout the District. The AHP workshops will focus on the online AHP application, which opens February 1 with a deadline of March 31. Some of the topics included in the Welcome Home workshops are eligibility; program changes for 2006; and reserving, requesting and receiving funds. The Welcome Home program will open on February 1. FHLBank Cincinnati's Fourth-Quarter Dividend Approved The Federal Housing Finance Board's Office of Supervision has approved a fourth-quarter dividend of 5.75 percent per annum for the period October 1, 2005 to December 31, 2005, compared to 4.875 for the third quarter. This dividend will be paid in the form of additional shares of capital stock on December 31, 2005. FHLBank Closed Monday, December 26 and Monday, January 2 In observance of Christmas Day and New Year's Day, the FHLBank will be closed on Monday, December 26 and Monday, January 2. Happy holidays to all! Year-End Deposit Pricing, Advance Requests, and Funds Transfer Notices Due to the potential for volatility in the Federal funds market during the holiday season, the FHLBank has modified the following policies and procedures related to its services. The FHLBank will reserve the right to price funds from incoming wires received after 2:00 p.m. EST, at the prevailing rate at that particular time. In order to ensure same day credit for incoming wires, the wire transfer must be received by 3:00 p.m. EST . In addition, the FHLBank requires that all advance, securities, MPP activity and deposit program transaction requests, as well as outgoing wire transfer requests, be made prior to 2:00 p.m. EST on December 23 and 30. New Neighbors Hurricane Assistance Program The New Neighbors program was created by the FHLBank to provide housing assistance to households displaced by the 2005 hurricanes. Member institutions and their partner sponsors can obtain grants of up to $20,000 per rental or owner-occupied unit. The next deadline for rental applications will be announced in January, 2006. The New Neighbors Homeownership Program is an open window and available on a first-come, first-served basis. For more information, click here . CMA/Var 1 day 4.41% 1 month LIBOR 4.49% 3 month LIBOR 4.61% Reg Fixed 7.00 yrs 5.06% MMA 10 yrs 5.64% MMA 15 yrs 5.81% SPMMA 10-5% CPR 5.27% SPMMA 10-15% CPR 5.23% SPMMA 15-10% CPR 5.28% Rates Posted 12/29/2005 2:16:59 PM List of advance rates investor relations mark your calendar FHLBank 2006 Dates • holiday schedule • regional stockholder meetings • housing workshops • housing deadlines

Investment Property

Wise Investment Properties Commercial Real Estate Site Features Services Yield Analysis Newsletter Request Info Home Our Services Free Equity Yield Analysis Contact Us GVA IPC Links & Resources Apartment Trends Featured Property Acacia Business Center - Hemet, CA Leasing in the Acacia Business Center is a wise business decision for your growing company. [ more information ] Featured Resource Available Properties Welcome to Wise Investment Properties We Specialize in Enhancing Lifestyle Options by Optimizing Investment Real Estate Decisions Chuck Wise, CCIM Serving the Southern California Income Property Investor since 1971. Specializing in North San Diego County Apartment Investments 2003 President of CCIM San Diego Chapter 2005 Vice President, CCIM Region 2 Asset Management and Advisory Services Recent Articles and Publications Priced for Perfection Bargain Hunting in an Up Market The Power of Syndication Endgame Strategies Marketing in the Fast Lane Will the Feast Continue? 2003 CCIM San Diego Chapter "Designee of the Year" 2005 Member of the CCIM Institute "Jay W. Levine Leadership Development Academy" NO OBLIGATION! Recieve your FREE Equity Yield Analysis for youe commercial real estate property.Fill in the short form by clicking the link below. Get a same-day response from our professional, experienced staff. We can deliver your Equity Yield Analysis within 48 hours. With our broad access to capital markets and excellent pricing, we can make your commercial real estate project happen quickly andaffordably. Click Here to get your FREE Equity Yield Analysis Click Here to tell us about your commercial property needs. Help is available! If you are having problems with determining what type of commercialproperty you might need or how to choose the financing that's rightfor you, we can help. Chuck Wise, CCIM Wise Investment Properties, Inc chuck@wiseinvestments.net OFFICE: 760 942 2110 CELLULAR: 760 224 9000 FAX: 760 943 9473 Home | Our Services | Free Equity Yield Analysis | Contact Us GVA IPC | Links & Resources | Apartment Trends © WiseInvestments.Net All Rights Reserved. Wise Investments Privacy Policy Web Development by Spotlight Consulting

Buy Home

Homes and Communities - U.S. Department of Housing and Urban Development (HUD) HUD news Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Hurricane Information HUD's hurricane resource page How to get help Press releases and photos HUD's response to the hurricanes Progam guidance and waivers Katrina Disaster Housing Assistance Program Contact information Operating requirements Consolidated contributions contract Disaster rent subsidy contract HUD Highlights Bush Administration announces $1.33 billion in grants to house and serve thousands of homeless individuals and families $20 million aimed at increasing public housing resident self-sufficiency and aiding elderly, disabled HUD seeks nominations for second annual Woodson Awards President Bush announces Homesteading Initiative Jackson signs 'Five-Star' statement of support for National Guard and Reservists HUD announces mortgage assistance for disaster victims Avoid Predatory Lenders Web Clinics for HUD Partners National Calendar of events Daily message At Your Service Learn how to buy a HUD home Learn how to apply for public housing and Section 8 See if HUD owes you a refund on your FHA loan Find a HUD-approved lender in your area Talk to a housing counselor File a housing discrimination complaint Submit Freedom of Information Act (FOIA) request Busque información en español Learn about the President's agenda to expand homeownership More services Important Links Medicare Prescription Drug Coverage Annual Performance Plan 2005 Performance Accountability Report (PAR) Equal employment opportunity data posted pursuant to the No Fear Act regulations.gov Information by State Find information about homes and communities, organized by state. Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico/ Virgin Islands Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homes for Sale Find homes for sale from HUD and other federal agencies. Information For... Citizens Homebuyers Senior citizens Veterans/Military Kids Students People with disabilities Researchers Landlords Tenants Colonias/farmworkers Native Americans Victims of Discrimination Housing Industry Lenders Brokers Housing agencies/tribes Multifamily industry Appraisers Other Partners Grantees/ non-profits Congress/ elected officials Small businesses Fair housing Faith Based and Community Organizations Hospitals Investors Auditors/ investigators Now Playing Appraisal Protocol Content updated December 23, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

real estate investing isnt

MSN Money - The real risks of investing in real estate MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Print-friendly version Send this to a friend Research any REIT Find top-performing mutual funds Sortable database of SEC filings Find stock winners with our screener Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site Map The Basics The real risks of investing in real estate advertisement With prices soaring, real estate looks tantalizing -- but the margin of error is shrinking. Forget the get-rich-quick plans. Pay attention to the numbers. By Kiplinger's Personal Finance Magazine For Derrik Dyka, the biggest obstacle to successful real estate investing isnt a meltdown in property values or tenants who wreck an apartment or dont pay their rent. "Its overconfidence," says Dyka, a 34-year-old Minneapolis investor who turns old apartments into new condominiums. If youre expecting to cash in on the 21st centurys first gold rush without breaking a sweat, it would be wise to take Dykas words to heart. The margin of error for making money in real estate is closing fast. Its not surprising that real estate tempts so many Americans today. Over the past five years, home prices have soared and rags-to-riches tales abound. But so much real estate has become so expensive that Real Estate Research Corp. in Chicago reports that many real estate pros say now is a better time to sell than buy. As San Diego real estate investor Chuck Wise observes about the area where he operates, todays buyers are like "lambs being shorn." Start investing with $100. Explore our new ETF center. Of course, that doesnt mean that all deals are doomed to fail. But it does mean that its time for would-be investors to pay more attention to the perils of owning property, not just the potential profits. Watch your cash flow The most common entree into real estate investing is the single-family house. Investors bought almost one-fourth of all homes sold in 2004, according to the National Association of Realtors. If youre one of those buyers and your income from that property (after taxes) exceeds your expenses by $100 or $200 a month, youre in good shape. But because prices and property taxes are so high in many areas, and theres so much competition for attractive rental properties, its increasingly difficult to find deals that generate enough income to more than cover your expenses -- whats called positive cash flow. In areas such as the leafy suburbs of New York City and Boston, where a modest three-bedroom house can easily cost $600,000, theres no way you can collect enough rent to cover the steep property taxes and payments on a $500,000 mortgage. Figure monthly out-of-pocket expenses of more than $3,000, if not $4,000. The pool of renters who will pay that much is small. Related news and commentary on MSN Money • Nothing quick about getting rich with real estate • Do you have what it takes to be a landlord? • Don't bite off too much house • How to find a good investment property • 7 creative ways to buy your first house • Decision Center: Home financing So be ready to set your sights lower and get your hands dirty. Instead of a well-located home in pristine condition, look for a fixer-upper off the beaten track for maybe $150,000 that you can rent for $1,000 a month. The numbers work if youre willing to spend weekends, say, painting the walls and, if youre capable, making repairs that would otherwise require professional help. The hidden profit from home improvements is why "ugly real estate often makes more money than the nice stuff," says Kelley Pace, head of Louisiana State Universitys real-estate research institute. Mind the cap You can quickly figure out whether a house or condo is likely to generate positive cash flow. For more complex properties, such as a small office building or retail space, check the cap rate, a single number that can tell you if youre overpaying. The cap rate -- cap is short for capitalization -- is a propertys net operating income as a percentage of its price. The figure is real estates version of a bond yield. If a property sells for $500,000 and generates net income of $50,000 (rents minus expenses), the cap rate is 50,000 divided by 500,000, or 10%. The lower the cap rate, the more you pay for each dollar of annual income. In 2000, the average cap rate on commercial property in the U.S. was 10%. Since then, because of relentless price appreciation, the average cap rate has sunk to 8%. That alone suggests that wringing further gains out of commercial property is unlikely. If you want to invest in a commercial property, aim for a purchase price that results in a 10% cap rate. But remember that the cap rate also depends on how much you collect in rent. Ask the broker for details about the tenants leases, including how rents compare with those of other nearby properties and when the leases are up for renewal. The property should come with an information packet that is more like a stock prospectus than a real estate agents fact sheet on a single-family house. If necessary, hire a property inspector. Then take all the information to a lawyer who specializes in real estate. If you have any doubts about the property, walk away. Page 1 of 2 Story continues on next page Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help