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VLOG #3: Profit Centers

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #4: What is Private Capital?

Private capital lending is an alternative strategy for real estate investors to enter the property market, but what is private capital, who can use it, and what can they use it for?

Private Capital Definition

Private capital is an umbrella term for investment loans typically unavailable through public markets such as banks.  

Private capital is accessed mainly by people with a high net worth who will use the funds for various investment scenarios, including real estate, private equity, and debt markets. 

Institutional investors also frequently use private capital to make investments for others, such as insurance and pension funds. 

How Do You Access Private Capital?

Access to private equity is different from traditional channels like a bank loan. Private capital reduces the risk to the lender by securing the loan against an existing asset owned by the investor. Collateral can be a house, infrastructure, or a block of apartments. Lenders are concerned with the ability of an investment to create a return that will benefit them and the lender. 

Because an asset provides the collateral, the lender will usually have the option to take control of it should the borrower default on the loan. For example, if an investor purchases an investment home, the lender will be able to sell the property to recoup their funds if the investor fails to meet their obligations. 

Terms for private capital are more flexible than most publicly available loans, as both lenders and borrowers can add terms and conditions that are unique to their circumstances. Flexible options include the duration of the loan, fees, and payment schedules, to name just a few. 

Private Capital Advantages  

Private capital lenders are a lot more flexible in their terms and conditions because they work at a more personal level than the average bank or financial institution. Loans can be specifically tailored to an investor’s unique requirements. Also, a private capital lender will arrive at a decision much faster than a bank, which can be crucial for time-sensitive deals. 

For example, an investor interested in a property that is a fixer-upper may only be able to secure a loan from the bank equal to the current value of the property. However, a private capital lender will consider lending funds on top to cover the renovation because they also have an interest in the property’s income potential. 

Another advantage of private capital is that much of the red tape is removed during the approval process. Lenders know that an asset backs their funds, so they are not prone to the many regulations and restrictions that can slow a bank’s approval processes to a frustrating crawl. 

 

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #3: REITs Versus Individual Property Investing – Which Is the Better Strategy?

When researching a real estate investment strategy, many investors are surprised by the myriad ways to enter the real estate investment market. Two of the most popular methods are REITS (Real Estate Investment Trust) and individual property investing. How does each of these strategies stack up against the other, and which will give you the best returns on your investment? 

What Are REITs

A REIT is an investment strategy that allows investors to own a piece of real estate without investing in a property directly. The REIT can be linked to a privately or publicly held company that owns income producing property. 

Rather than buying a property, the investor purchases shares in a REIT in a similar fashion to how stocks and mutual funds operate. Investing in a REIT mitigates some of the risk of property investing, but you may be missing out on the advantages of a direct property purchase. 

REIT Advantages

REITs deliver an income through dividend distribution, with regulations requiring that most of the profit be distributed to investors. A REIT purchase is as straightforward as purchasing shares. If you go through a broker, it may be possible to buy fractions of shares rather than whole shares, which significantly lowers the barriers to entry. 

You can purchase multiple REITs to diversify your property portfolios, such as REITs that focus on commercial property or family homes for rent. Perhaps the most appealing advantage of a REIT is that one does not need a great deal of investment expertise. 

REIT Disadvantages

There are no tax advantages to investing in a REIT. Owning a physical property opens up opportunities for investors to reduce their tax liabilities, such as mortgage interest and depreciation. However, investors are taxed on their dividend income. 

Purchasing shares in a REIT gives you very little control over your investment because you have no say in how the properties in a REIT are managed.
As with mutual funds, there may be expensive ‘management’ fees involved with a REIT that severely limit the profits.

Purchasing an Individual Property

Investing in an individual property includes purchasing a traditional investment like rental homes or commercial premises.  

Owning a physical property will create an income stream through rent and provide investment growth through capital gains as property values rise over time. Unlike REITs, investing in individual properties can deliver significant financial advantages that will make it more worthwhile.

Most individual property investors consider the rental income the single most significant advantage. Rental income can grow as investors use strategies such as small down payments and cheap loans to leverage their investment and buy more properties that generate even more income streams. 

There are tax advantages through deductions and benefits when you purchase property directly. Your taxable income is reduced by property management fees, depreciation, repairs, property taxes, and other operating expenses.

Property values appreciate over time. While they can experience downward fluctuations in the short term, the long-term median prices of properties historically increase in value. You can also increase a property’s value through renovations such as new appliances, extra parking space, or an additional room. Improvements can make a property more appealing and justify a rental increase.  

How you invest your money will depend on your investment style, how much you want to be involved in the process, and how much risk you are willing to take on. REITs are easy and relatively safe but have very few options for maximising your investment. However, an individual property will increase in value over time while also delivering a regular monthly income that comes with significant tax advantages. 

 

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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VLOG #2: Stable Investment.

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #2: Active Versus Passive Real Estate Investing and Which is Right for You?

Do you know the difference between active and passive real estate investing and, more importantly, which might fit the bill for you and your current situation? Learn more about these two different real estate investment strategies and which will work best for you.

Active Versus Passive Real Estate Investing – What’s the Difference?

Many inexperienced real investors will consider real estate investing as a largely passive income stream. However, once they start researching, they soon find that it’s not as hands-off as they first thought. Still, that doesn’t mean a passive income isn’t out of reach; you just need to know which strategy will get you there.  

Active real estate investing is what most people will have in mind when considering purchasing an investment property, but active investing can take a few different forms, including:

  • Wholesaling
  • Flipping
  • Renovations and developments

Regardless of how you enter active real estate investing, you will be heavily involved in various parts of the process. Whether you are a hands-on DIY investor or plan to use a team of professionals, the amount of time and energy required to successfully enter active real estate investing can be equal to a full-time job or more. It can also require significant capital and a certain degree of risk. 

Passive Real Estate Investing

Passive real estate investing is all about working with an active investor and purchasing the right investment at the best price and receiving the returns month after month, with your role primarily being a hands-off one. 

The Active investor is busy doing the following:

  • Researching the market.
  • Marketing and finding the right deals.
  • Doing due-diligence on the properties.
  • Negotiating and closing the deal.
  • Arranging financing
  • Managing the team.
  • Taking care of renovations and improvements.
  • Property management
  • Tenant management.
  • Keep up to speed with continuing training and education.
  • Investor reporting and relations.
  • Coordinating final exit plans for the property.

The Passive investor’s involvement is usually limited to:

  • Provide capital (money)
  • Qualify for financing (if needed)
  • Share in the profits (watch their payments come in).

Which Real Estate Investment Strategy is Right for You?

It really depends on how busy you want to be.

If you have the time, energy and experience to be an active investor, it can be very lucrative.

On the other hand, if you are looking for a hands-free type of investment that is secure and offers a variety of different ways to profit – then being a passive investor may be a better fit

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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BLOG #1: What Happens to Real Estate During Inflation?

Many investors regard real estate as one of the best strategies to hedge against inflation because property prices over any given decade tend to trend upward. This article will discuss why inflation occurs and how it can affect your real estate investments.

What is Inflation?

The economy is dynamic, and many variables will impact inflation. However, at its core, inflation is a measurement of the increase in prices of goods and services over a period of time, including real estate costs and rent prices. 

Inflation is influenced by the amount of money circulating in the economy. When more money is available, prices tend to rise, but there is also the expectation that prices will always go up eventually. A more straightforward way to think of inflation is that the dollar’s purchasing power degrades over time. 

Real estate creates a reliable buffer against inflation because property prices increase over the long term. Investors also gain an advantage through cheaper interest rates and the ability to increase their yields by raising rental prices in line with inflation and supply and demand.

Why is Property a Reliable Asset Against Inflation?

Real estate investment is a long-term strategy. Property prices can fluctuate in the short term like any investment vehicle. However, holding an investment property over the long term is when the magic really happens. 

As property prices rise, the original mortgage repayments remain reasonably stable. Of course, the Fed can make repayments more or less affordable if it decides to get aggressive with its interest rate adjustments. Even so, your repayment responsibilities will tend to balance out over the long term. 

Rising property values are often matched by increases in rent. Should you keep a property for ten or more years, the value of the rent you can charge may have doubled, but your mortgage repayments will be similar to when you first bought the property. You will have effectively increased your rental yield two-fold or more. 

Such increases in yields are difficult, if not impossible, to match in other investment vehicles. Plus, you also have the advantage of a significant increase in equity, as property values can often double or more over a decade. 

In short, a long-term real estate investment strategy is an excellent hedge against inflation.

Investors can take advantage of lower interest rates to purchase property that will increase in value over time, often at higher rates than inflation. They can also pass on inflationary costs to tenants in the form of higher rents and profit from capital gains in property prices over the long term.   

 

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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VLOG #1: Why Real Estate?

 

ABOUT CANDACE HARRIS

HarrisRealEstateInvestments.com is a real estate investor actively involved in the Durham area real estate investing for a number of years. My mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for my investor partners and myself. It is truly a win-win-win way of investing!

Candace offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Candace.

For more information about Candace and her investment program, please call (416) 706-8654 you can also email her at candace@harrisrealestateinvestments.com or visit  https://harrisrealestateinvestments.com/

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Candace Harris

Professional Real Estate Investors

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