Real Estate: Financial Considerations $$$

Raw land as opposed to improved property is much more difficult to finance through traditional lenders. The main reasons are that it generates very little income, development costs can be expensive, there are no buildings or improvements that can be used as collateral, and it is often considered speculative.

For those reasons mentioned we find that sellers are often our first choice regarding financing. It is typical for a seller of raw land to accept 10 percent down and the rest to be paid over time at a specified (below market) interest rate. This would be an example of an installment land contract. Other forms are contract for deed, mortgage and note and purchase money mortgages. In these cases, a real estate attorney usually drafts these contracts and a bank will act as an escrow agent to facilitate verifiable records of payments received. The seller often retains the deed until the property is paid for in full.

If you want to investigate bank financing, then you may start out by offering 30 percent down with a seven-year mortgage, with the bank getting an extra percentage point over and above the current interest rates for standard loans. This may not be accepted, but it does give you a starting point to see just what they may be willing to do.

If you plan on building on your land, then having a development plan with an appraised set of blue prints for the project will help the lender in justifying your loan. If you can use equity from other property, then paying substantial down payments may also be an option.

Final words of caution here are to know values and don't overpay. Always offer less when possible and research recent sales of comparable properties. The larger a parcel is, the cheaper it tends to get per acre. Ask an agent what an acre of land tends to go for in the area that you are considering; try to buy more than one acre.

When buying residential lots, builders try to keep raw land costs down to 10 percent of the overall value of the project. If streets and utilities are already in place, then they will use 25 percent as their guideline. If you can combine or assemble parcels or achieve zoning changes with property, you have a good chance of immediately increasing its value.

Always physically inspect the property and do your research before obligating yourself to buy it. And try using contracts with contingencies put in to protect yourself. In essence, these are really options that let you control the deal while you investigate and research the land's potential to satisfy your objectives. Happy Hunting and buy the high grounds!

About The Author

By Dan Auito, mailto:[email protected], a real estate investor for the past fifteen years & has bought, sold, and rented seventeen properties to date, totaling more than $1.3 million - all on a blue-collar salary before the age of forty. Grab your free tip sheets & more at: http://www.magicbullets.com/home.php

In The News:

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Commercial real estate transactions from The Oklahoman for Saturday, Feb. 16, 2019  NewsOK.comPrice Edwards & Co. reports these real estate transactions: • El Rancho Niejo, LLC paid $267500 to Miles Thomas Millwork Inc. for 3.33 acre at 11035 NE 23, ...
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Rochester real estate market has calmed, but remains tight  PostBulletin.comReal estate in Southern Minnesota took a wild ride in 2018, with a hot start followed by some cooling by year's end.
OLX Strengthens Presence In India’s Real Estate, Doubles Its Business Seller Base In 2018  BW BusinessworldOLX, India's largest online classifieds marketplace for Auto, Real Estate and Goods and Services with 40 million monthly active users, has strengthened its ...
Who will pay the MOST for your commercial real estate?  OCRegisterGenerally, as a seller of commercial real estate, you have three motivations — transact as quickly as possible at the highest price with the fewest conditions.
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View: Budget 2019 is a much-needed step in the right direction  Economic TimesBy Ashok Wadhwa The interim budget has holistically focused on three key elements — farmers, the urban middle class and focus on real estate. In the previous ...
How LTCG tax is charged on real estate and equity investments  LivemintAny gains that you make from the transfer of these capital assets are known as capital gains and attract income taxThe tax liability depends on the assets and the ...
How to Go House Shopping in Frankfurt: A Real Estate Guide  BloombergQuintAs Brexit looms and some 30 financial institutions make plans to relocate their home offices to Frankfurt, thousands of bankers are suddenly faced with the ...
On the 'Real' with Pierre Shirley | Outlook  Jamaica Gleaner“I'm often misunderstood,” says real estate guru, Pierre Shirley. The freehold master, wears a badge highlighting his 19-year stint in the business. If you ask ...
Real Estate Transactions for Sunday, February 17, 2019 | Transactions  Charleston Post CourierThe transactions listed below include properties sold for $250,000 or more and recorded between Dec. 17-21. Awendaw. Savannah Galloway sold 3811 Tim ...
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What does RERA Act cover and how it benefits home buyers?  LivemintThe RERA Act was enacted to protect the interest of real estate buyers and to establish a mechanism for speedy redressal to disputesRERA covers both ...
Google reaped millions in tax breaks as it secretly expanded its real estate footprint across the U.S.  The Washington PostConfidentiality agreements and shell companies make it nearly impossible for some communities to know, let alone protest or debate, who is using their land, ...
In the squirrel world, prime real estate is determined by previous owner, study reveals  Phys.OrgA young squirrel lucky enough to take over territory from an adult male squirrel is like a teenager falling into a big inheritance, according to a new University of ...
NRI interest grows in real estate; affordable, mid-market categories emerge favorites  Business TodayThe regulatory reforms like RERA and GST taken in the last couple of years have restored the confidence in the Indian real estate market, particularly among the ...
Overleveraged real estate developers need to bring sanity  Business TodayConservative developers who are averse to take high debt are still performing well over optimistic counterparts with high leverage who may now have to start ...
Share market update: Realty shares mixed; Indiabulls Real Estate slips 3%  Economic TimesThe Nifty Realty index was trading 0.09 per cent down at 234.70 around 11:02 am.
KKR Real Estate Finance (KREF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release  Yahoo FinanceKKR Real Estate Finance (KREF) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended ...
Domain posts $156m loss after Sydney and Melbourne property listings slump  The GuardianCEO of real estate classifieds business says first-half result is 'in line with expectations'
U.S.-based platform aims to disrupt B.C.’s real estate market  Global NewsRedfin is already active in Toronto, and it plans on opening a Vancouver office later this spring.
Hot commercial real estate market has companies angling for space  The Union Leader*Fresh* off their 2018 championship, the Boston Red Sox are once again the best bet to win the World Series in 2019.

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