Home Loan Bank of

Federal Home Loan Bank of Dallas W e are a cooperatively owned wholesale bank that supports housing and economic development in the communities served by our member institutions in Arkansas, Louisiana, Mississippi, New Mexico, and Texas. Our credit products and other financial services help members deliver financial products to fund housing, small business, rural development and agriculture. Specialized community investment and affordable housing loan and grant programs help finance community redevelopment and expand affordable housing opportunities. Members include commercial banks, savings institutions, credit unions and insurance companies. In The News • Community Investment Program Update • Bulletin 2005-14 Dividend for Fourth Quarter 2005 • Disaster Relief Advances for Texas Counties Affected By Fire • Advisory Council Appointments • Disaster Relief Grant Program • Disaster Relief Advances Available for Louisiana, New Mexico, Mississippi and Texas Quick Links • Investor Relations • Guides & Forms Send comments, questions, and suggestions to fhlb@fhlb.com . © 2005 Federal Home Loan Bank of Dallas. All Rights Reserved. FHLB Dallas website information disclaimer . The material on this site is for informational purposes only. By moving to the next screen, all viewers acknowledge that the presentation of this material (i) does not represent investment advice, (ii) does not constitute an offer to extend credit, a grant or subsidy, and (iii) does not constitute investment solicitation or an offer to buy securities. It is the sole responsibility of the user to check the accuracy of assumptions or other information contained on this site. VIEW FEDERAL HOME LOAN BANK OF DALLAS - World Wide Web (www.fhlb.com) PRIVACY and SECURITY DOCTRINE

Real Estate Investing

Real Estate Investors Club, Los Angeles, California, LA Free Newsletter & Timely Tips on Real Estate Investing Email: more info We value your privacy and never give out your information Home About Us Membership Events Educational Tools Interesting Sites Free Stuff Investing 101 Advertise with Us Sell Your House Fast! Calendar Message Boards Recommended Vendors Contact Us Do You Want to Be Financially Free? The only way you will ever achieve true and lasting financial independence is with the ultimate source of money: Real Estate! No other vehicle has consistently helped investors make money - especially California Real Estate. Take control of your future. You too can make money in real estate - lots of it - and in all kinds of markets. We are experts on real estate market conditions in Southern California, from Palmdale and up into Ventura County to Long Beach and outward to the Inland Empire. Dont reinvent the wheel. If you are committed to using real estate investment as a vehicle to create both short and long-term financial security for you and your family, you need to find out what how other successful people have done it and just copy their strategies. You dont need money or credit. What you do need is desire, education, and a real estate team. The Real Estate Investors Club of Los Angeles will help you form that team. You need to know a cooperative hard moneylender, a mortgage broker, a title company, an escrow company, a realtor, a birddog, an appraiser, a real estate attorney, and people you can go to for mentoring. Reic of LA holds monthly networking meetings along with periodic real estate educational seminars. Our meetings include local as well as national speakers such as Bruce Norris, Ron LeGrand, Jeff Kaller, Robyn Thompson, Bill Bronchick, David Finkel and Peter Conti. Make a commitment to achieving a financial quantum leap. Join us at meetings and sign up for our newsletter to get timely real estate information about the real estate market in Los Angeles and Southern California that you wont get anywhere else. We cover money making topics such as: Getting started Finding money Qualifying buyers Buying and Selling paper Asset Protection No Money Down Creative Financing Saving Taxes Landlording Mobile Homes Rehabbing 1031 Exchanges Working with brokers Lease/Options Foreclosures Whether you are an investor, broker, mortgage lender, contractor or landlord, you are welcome to join our association if creating wealth using real estate is your goal. Monthly Meeting Tuesday, January 10 th Speaker: Robert Campbell Campbell Marketing Timing Newsletter Topic: Real Estate Bubble: Time Bomb or Dud for more info click here Investing Outside of California? Check out our Out of State Expo Click Here for More Info Bruce Norris California Downturn Click Here MONTHLY MEETINGS Meetings are held on the 2nd Tuesday of each month at 7:30 PM at The Crown Plaza - LAX Hotel, 5985 W. Century Blvd., Los Angeles, CA. The $25 admission fee for non members includes an expert speaker each month, refreshments and great networking! << Next Meeting's Speaker Individuals with allied professions are invited to network with us. Click Here to join our mailing list so we can keep you posted on upcoming events. For Information on How to Advertise on this Site, Email dina@realestateclubla.com or call 310-793-7069. Any product you purchase through REIC of LA has a 30 day money back guarantee. We are a secure site. We NEVER sell or give your information to anyone. Home Newsletter & Tips Calendar Next Meeting Membership Contact Us ©2005 The Real Estate Investor's Club | CP | WebMail Created by EMA

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Home Mortgage will give

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Find a Property Investment Properties edition Buy to let, property development and investment opportunities Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find your ideal house, flat or apartment for sale or rent Find a Property - Moving made easy Find a Property - Specialist Properties - Investment Properties Investment Properties Property Edition Buy to let, property development and investment opportunities The Buy to Let market, one of the great success stories of the last ten years, has produced a growing band of happy investors buoyed up by the delights of solid capital growth and respectable rental incomes. It is, however, a cyclical market and one as subject to the laws of supply and demand as any other sector of the economy. Experts will advise that prospective investors should take pains to carefully research the local market and view the business as a medium to long term project. Viewed in that light, it remains a very solid bet and will continue as a popular option for a diverse cross-section of the population. This edition includes dozens of properties which should appeal to those motivated by high rental returns as well as those whose primary concern is capital growth. It also includes details of experienced agents who have made this sector a speciality. So if you're new to the market and need a reliable expert to lead you through the maze, if you're a seasoned player and know exactly what your looking for, or if you live overseas and need a professional all-in-one 'hands off' management service to take care of your portfolio this is the place to begin your search. Learning To Invest 20 Jul 2005 Thinking about investing in property but new to the business? Investment guru Simon Shinerock explains why it can pay to learn from the experts... Simon Shinerock More and more people these days are coming to the conclusion that the only way for them to have a chance of achieving financial security is to buy property. But is it better to leap in and learn through experience or should you attend one of the growing number of seminars on the subject? Simon Shinerock, the founder and Chief Executive of Choices Acquisitions , a very popular auction-buying service for investors, says more and more people are looking for reliable information and advice before they take the plunge. " Our regular estate agency business which started in 1989 manages over 1000 properties as well as dealing with millions of pounds of property sales and mortgages every month. " In addition, for the past four years, we have been providing auction information to potential investors, as well as sourcing investment and buy to let property from developers and agents for our clients. " Gradually it has become evident that many potential clients want more than information and advice, especially at the beginning - they want education. " In response to this need we have created a down to earth two hour seminar to introduce the novice investor to the business and to share with them some of the important lessons we have learned through our own experience." What You'll Learn The seminar business, can, of course, be an expensive route to take but Choices reckon they can teach the basics and introduce participants to their services for much less that the thousands some charge. " We are aware of two day seminars which are available at a cost of £2000 or more but we believe that what we provide for £50 is enough of a taster for most people and we have been very pleased with the positive feedback we have received, " says Simon. Seminars take place on a Saturday between 11.30 and 2.00pm at Choices modern Smallfield office near London Gatwick Airport. To book your place please call 01342 840000 or complete the email response form on their company information page Choices Acquisitions seminars, says Simon, will tell you about 1. The research we do 2. The evaluation and analysis techniques we have developed 3. Our contacts with developers and agents and how we have made them 4. How we find distress sales 5. A hot new area for property investment in the UK 6. How we can help you buy property below the market value Below are some case studies from Choices: Case Study - Buying at auction A client wanted to start a buy-to-let portfolio on a low cost basis, as they were tight on funding we identified Liverpool as a good area, we highlighted six properties at an upcoming auction all of which represented good value based on their likely selling prices (about 30 per cent above guide price and 20 per cent below market price). Our experience has shown that it is pointless going to auction with only one property in mind in these circumstances as the chance of failure is too high. We are able to arrange funding in principle from a short term lender should our client be unable to arrange a buy to let mortgage in time. At the auction we were able to secure the third lot on our list. The client needed to do some cosmetic work but the estimated return on their deposit and costs once let was 25%, on top of which the property had a market value of 15% more than cost. Incidentally at the same auction we were able to secure two more properties for other clients on a broadly similar basis. Case Study - Buying Off Plan We are constantly looking for Off Plan opportunities on behalf of many clients. Through a trade contact of ours we heard about a development which was coming to an end. The developer had seven flats remaining and was prepared to sell them at a 15 per cent discount to market value. After checking the local rental market and speaking to agent contacts we were able to place five of these properties with three clients all of whom were looking at long term rental and capital growth. Case Study - Overseas Property We heard of some excellent opportunities for high yield apartment hotel investments on Miami Beach. We went to Miami to check out the local market and were able to get in on the ground floor of a renovation of a boutique Art Deco Hotel right on South Beach. Based on the figures we were able to obtain this investment should return up to 40 per cent on deposit plus costs plus there is built in capital growth of 20 per cent based on current market values. Each unit is $395000 with a 20 per cent deposit required and guaranteed finance on the balance, the developer is guaranteeing the first year return following the renovation and the investor shares in 60 per cent of the nightly rental ($400 per night minimum 70 per cent occupancy). As a further bonus, the owner can stay in their hotel suite at any time for as long as they want. Case Study - Agency contacts Over 95% of all property sold in this country is sold through estate agents. It therefore makes sense for us to establish good relationships with agents in areas where we expect capital growth and good rental returns. We were approached by one of our contacts on the south coast in respect of a sea front property available through an offshore tax exile who wanted to sell without publicity. We were able to secure the property which comprised of several apartments on behalf of several clients. Some of the units are going to be let, some sold on and some used as holiday homes after renovation. Choices Acquisitions © Find A Property 2000-2005 Property in the Investment Properties edition London (North of Thames) London (South of Thames) Surrey & Middlesex Berkshire, Buckinghamshire, Hertfordshire & Essex Hampshire, Sussex & Kent Rest of UK Rest of Europe Rest of World Today's featured property for the Investment Properties edition... Blyth Road, London, E17, London E17 "Blyth Road, E17. A first floor end of terrace flat located on this quiet street off Lea Bridge Road. The property would benefit from some modernisation and comprises two large bedrooms, bathroom." On the market for £ 147,995 through ludlowthompson.com Rental Returns Overestimated 22 Nov 2005: Recent research from Landlord Mortgages accuses some lettings agents of exaggerating rental returns...... Landlords Remain Upbeat 26 Oct 2005: Landlords are in a bullish mood and plan to buy more properties in the months ahead, says a new survey...... How To Invest In Property 20 Oct 2005: How clued-up are you when it comes to spotting a good property investment? If you feel you could use a helping hand, Ludlow Thomson has some tips...... Fantastic Investment Opportunity In South Africa 12 May 2005: How does the prospect of investing in a brand new development at the heart of Cape Town sound? Appealing? Read on for more details...... From Coronation Street To Canary Wharf 24 Mar 2005: From the terraced houses of Coronation Street to the high-rise apartment blocks of Canary Wharf: actress Annie Hulley has become a serious player in London's buy-to-let market...... PIFS Unlikely To Conflict With Buy-To-Let 03 Mar 2005: The introduction of property investment funds (PIFs) in the UK would add value to the property market but would be unlikely to have much effect on the buy-to-let sector, says a new report...... Investors Keep Faith With Property 09 Feb 2005: Despite the recent slowdown in the housing market, investors believe that property still provides the safest home for their hard-earned money...... Buy-To-Let Confidence High 07 Jan 2005: Despite negative comment from some quarters, landlords and mortgage intermediaries remain optimistic about the investment market...... Buy-To-Let Looking Good 06 Jan 2005: Strong tenant demand is pushing up rents and boosting landlords' yields, says a new report...... Landlords Hold The Line 14 Dec 2004: Despite falling house prices, most landlords are determined to hang onto their investment properties, says a new survey...... One-bed Flats Do Well 25 Nov 2004: Landlords take note: rents on one-bed flats are outpacing the rest of the market...... Buy-To-Let To Boom 08 Nov 2004: Despite talk of a market slowdown, the coming decade should see a huge increase in the number of buy-to-let investors, says a new report...... Rents On The Rise 20 Oct 2004: Rents are on the up in many parts of the country as landlords pay more for investment properties, says Paragon Mortgages...... What Tenants Want 29 Sep 2004: Power shower or roll-top bath? Garden or trendy kitchen with mod cons? Which features will have tenants fighting over your property?...... Investors Fly To Let 20 Aug 2004: As the housing market cools in Britain, investors are starting to pack their bags and look for bargains overseas...... Landlords Stand Firm 06 Jul 2004: Buy-to-let investors are showing few signs of stress and a mere 2.7 per cent say they'll sell up if house prices start to fall...... Women Bet On Buy-To-Let 23 Jun 2004: The property industry has long been a case of jobs for the boys, but that hasn't stopped a new generation of women investors from getting a foot on the development ladder...... A Leg Up From Your Landlord 22 Sep 2003: It might sound improbable, but a clever new scheme aims to help landlords make a healthy profit while giving tenants the chance to save a deposit for their first home...... Rent: The Furniture 03 Apr 2002: If you've ever been let down by a removals company, are about to relocate to the UK with your family, or are a serious buy to let landlord, rented furniture could be just the ticket....... Tenants From Hell 16 Nov 2001: They don't come trailing sulphurous smoke in their wake and 666 is not emblazoned on their foreheads. So a new service which promises to help identify the tenants from Hell should prove very popular with landlords and letting agents...... Well Hammered 15 Oct 2001: Buy at auction, the pundits all declare, if you want to pick up a bargain. Fine if you have the confidence and expertise to bid with the best. But where do you go if you don't? Meet the man with the answer...... Local Authority 08 Dec 2000: Ex-council properties may be viewed with suspicion in some quarters but in an inflated London market they're still within reach for hard-pressed first-time buyers and an excellent prospect for canny buy-to-let investors...... All Over The Shop 17 Nov 2000: Once upon a time, high streets across the land had a butcher, a baker, a candlestick maker and people who lived contentedly above the shops...... Investment Properties Property Edition Buy to let, property development and investment opportunities This edition only includes specially selected properties. To search every property in an area select your local edition Top Top Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas © Find a Property 2004 Advertise (estate agents only) Contact us (estate agents only) Privacy Policy Terms & Conditions