- Is owning an investment property in DeKalb County, Georgia profitable?
- If you're thinking about investing in real estate in Saint Johnâ€™s NL then this guide was created especially for you! We've gone through hundreds of comments in order to compile these must read information points. If you like them please "like" them and comment below telling us why they should be shared further as well. Our first article will focus on comparing the current interest rate environment versus a few months ago.
In recent news, mortgage rates are falling faster than ever across Canada and most provinces including Nova Scotia. According to Bank Rate Finder, the average five year fixed loan rate today sits around 4.08%. However, some areas, such as Ontario saw a huge dip recently down to 3.75% while Quebec stands firm at 5%, which makes sense due to historically higher borrowing costs.
We'll continue to explore this topic in depth but for now lets get into other topics related to buying an investment property in St Johns NL. Here is where you'll learn everything you always wanted to know...
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How Do I Find Out More Information On Houses & Rents In My Area?
This brings me to my next point. Many websites like Zolo, Trulia, Realtor.ca and REBGV offer similar services to those listed above. But unlike the ones mentioned above, Zolo provides you with additional tools to help you find properties faster and better like price history charts, photos, videos, virtual tours and so much more. And unlike most sites who only provide info on specific cities, Zolo covers every province!
What Can Be Done Once Buying An Apartment Complex Has Been Purchased?
Before you decide whether or not you'd love to buy a rental apartment complex, let me tell you that owning a building isn't easy. Even when renting, owners typically earn less income and spend considerably more money compared to nonrenters. When deciding whether to invest in a housing market, there are several factors to consider besides just profit potential. These include things like the local economy, competition, supply and demand, taxes and so forth.
I personally wouldn't recommend renting unless you live somewhere that offers great tax benefits. I'm talking about a situation wherein having a renter would benefit both parties financially. One reason landlords love rent controlled buildings like condos because of reduced expenses is that tenants pay significantly lower amounts monthly as compensation. Another advantage includes that once a person buys an aptmment, he or she gets full control over...
- New Home DeKalb County Buying 101
- Buying a house or apartment in St. John's, Newfoundland and Labrador isn't just buying property; it’s investing in a place to live, work or retire.
This is why it makes sense for anyone who wants to invest in real estate to take some precautions first.
We're going to walk through a few steps to help get started, including things like getting preapproved for financing and finding your perfect home.
But let’s talk about those numbers first.
[IMAGE: A screenshot showing home prices for various parts of St. John's.]
How Much Can I Afford?
When figuring out how long you'll be able to save for down payment, mortgage payments and other costs of homeownership, you should consider three main factors:
Your income. If you earn $50K per annum, then you could afford around $150k worth of housing depending on your current rent/mortgage ratio.
Your debt load. Do you already owe tens of thousands of dollars on credit cards, student loans or car repairs? This will impact what you can spend each quarter. We recommend keeping your monthly expenses below 30% of your total annual household earnings.
Your savings rate. Your ability to put extra cash towards saving should depend upon how much interest you pay on your existing debts (if applicable). For example, let's say you currently have $10,000 worth of auto loan debt which charges 8%. That leaves only 12% left over after paying your minimum monthly repayment amount. So if you wanted to save $100 every four months, you'd have to save $400 per year ($100 * 4 /12 =$400). If instead you had no outstanding debts, this would drop to 10%, leaving only 10% in savings.
Now that we've got those figures out, let's go back to our hypothetical couple with a combined household net income of $50K and monthly debt obligations of $1,500, meaning they only bring home roughly $3,750 in gross salary.
They'll be living paycheck-to-paycheck until they save enough for a down payment, but if you’re lucky enough to find a job with good hours, you can still save for downpayment and still keep yourself busy while earning a decent wage. But if you aren't working 40+ hours a week yet you're making less than $2K per month in disposable income, you won't be able to save anything for down payment or a new home unless you cut back elsewhere.
If you have no debts, you're bringing home $7,250 per year after taxes, so you can easily save $300-$600 per month without sacrificing quality of life. If you're already maxing out your savings account, you'll probably need to cut something else.
So what does it really mean to buy real estate?
Well, it depends entirely on whether you're planning on staying in St. John's for 5 years or 50.
For example, if this family was hoping to move to Florida in 5 years time and sell the home for $200K, then they'd need approximately $40,000 saved up. On the flip side, if...
- When buying a new home in Georgia follow these steps
- When investing in real estate, location really does matter — especially when it comes to choosing where in Canada to invest.
Staying local will ensure that your investments keep pace with inflation, but if you live elsewhere, you could end up paying higher prices than someone who lives nearby. And while some markets offer better value than others, no market offers guaranteed returns like owning your own house outright.
In this edition of “X ON DO,” I’m going to break down my top tips for purchasing property in St. John’s, NL, which happens to be one of the most affordable cities across Canada. But first I’d like to explain why I think this city makes the perfect location for investors.
Why St.John’s Is A Great Location For Investors
I’ll admit that I had to dig for information about St. John’s, NL because I wasn’t aware of how affordable the housing market was until recently.
But I soon discovered that while other communities are seeing prices climb, home values haven’t increased nearly as quickly in the capital. As a result, property owners still have strong equity, making them attractive buyers for savvy investors. Plus, the cost of living is lower than many places around the same income bracket.
So if you’re thinking of selling a primary residence and moving to a cheaper market, consider the following factors before deciding whether St. Johns is your next move.
Cost Of Living
The average household spends $5,000 per annum in groceries, utilities, insurance, transportation, recreation/entertainment costs and taxes. These expenses vary depending on the community in question, which explains why people often say things like “the cost of living varies so much depending where you buy.” However, when comparing different locations, I find that the cost of living tends to be similar.
For example, I found that the cost of renting a 2 bdrm apartment in the downtown area is approximately $1,200 CAD per month. Compare that figure to the average monthly rent price across Ontario ($1,500), Quebec ($1,700) and Alberta ($2,100). If your monthly take-home pay is less than $3,300 CDN, then you should seriously consider buying instead.
According to a recent report issued by the Canadian Real Estate Association, the national average sale price for detached homes is $936,400 CAD in July 2019. Meanwhile, the median sales price in Saint John’s is just north of half that amount: $488,900 CAD. That difference represents more affordable homes available for purchase in the province’s smallest urban centre versus larger centres like Toronto, Montreal and Ottawa.
And since the population in St. John’s continues to increase, it’s estimated that the demand for rental units will continue to rise as well. So if you’re in search of a place to call home, you won’t have trouble finding something suitable for under $600 CAD per month.
Accessibility & Transportation Options
While St. John’s has no shortage of amenities...
- How to find Your New DeKalb County Home or Condo
- If you live in dekalb county but haven't found anything yet then this could be the place for you. The area is full of wonderful communities, schools, shopping centers, restaurants, entertainment options and more. There really isn't anywhere else like that close to Atlanta. Here's some information that will help narrow down your search and get you started looking for homes and condos here:
What type of living environment do you prefer, single family detached house, townhouse condominium, duplex penthouse, apartment building, mobile home...etc.? We've got those types of living environments available in various sizes and price ranges.
Where do you want to move to? Do you want quiet country life where nothing ever happens just outside your door? Or do you prefer city living? If the answer is yes to both, then you'll probably enjoy the community of Sandy Springs.
What size property would work best for you? Maybe a big lot with lots of land or perhaps you're wanting something smaller than that. Whatever style/size fits your lifestyle better then you should consider finding properties near that. Our listings cover everything from large acreage estates to tiny little 1 car garage's that fit perfectly inside one of our beautiful neighborhoods.
Do you want a neighborhood community feel where every day people come together around common interests and events or do you prefer being able to walk everywhere without needing transportation? Sandy Springs is made up of many different areas each having its own unique character and identity. From downtown highrises to quaint historic villages to bustling business hubs there's somewhere for everyone!
How far away does your dream home need to be from where you currently reside? Is it okay if it takes awhile longer than usual to reach work everyday? These things are considered part of your daily commute which is why we offer short drive times to most destinations in and around Atlanta.
Is traffic going to be a factor? Some of us love driving through suburbia while other folks hate it. For those who hate it, we suggest trying one of our nearby suburbs which boast quick commutes due to less dense population density.
We want to make searching for your new home enjoyable and stress free. The only way that is possible is if you take control and ask questions along the way. So keep reading as we go through your checklist of concerns for yourself and your family and we'll tell you exactly what questions to ask.
The first thing you should always ask for is "how long" will I be waiting on my sale to close? When purchasing a new home you usually don't really care about "when", but instead you care about "where". Once you have that figured out, you can begin narrowing your choices down further.
If you are buying a new home, be ready to pay a higher premium than buying pre existing stock because of the costs associated with getting financing approved along with all the inspections and appraisals required. But that also brings the added benefit of knowing that once purchased you won't have to worry about selling again until the market changes drastically in 10 years.
When the purchase closes, you'll receive a check from the builder that covers your deposit plus interest paid back into an escrow account. At this point, you're good to go...
- Why is Georgia's Real Estate Market Booming?
1. We're seeing real estate prices continue on steady upward trajectory since 2018. Prices jumped $16,000 per unit during 2019 according to Canada Mortgage and Housing Agency (CMHA). On average, this adds around 3% to total sales price for each property sold
If you had purchased properties 10 years ago versus today, prices would be almost double ($31,500, rather than 19,200)!
2. More people are becoming buyers again after years of living through economic downturn. There was only 2.6 percentage points increase in ownership rates (the difference between those who own homes currently and those who did 30 years ago.) While many homeowners have retired, some baby boomers like myself bought houses early as they saw them go under contract multiple times. As these baby boomers age, the market will see a surge in demand as more boomers buy homes.
3. Millennials are finally starting to purchase starter homes because they feel confident buying a big house down payment in downtown areas. They've experienced first hand the impact high housing costs can have on families and decided it wasn't worth dealing with the stress anymore. These young families often live in apartments until having children which makes sense given current rental vacancy rates across most Canadian cities.
4. Demand for rentals continues to improve due to strong job creation (especially among younger workers), record student debt loads, millennials still trying find employment post recession and rising interest rates. I'm already feeling pressure renting for less than my mortgage payments, but rents aren't going anywhere anytime soon. And with interest rates hovering near historical lows, now could be the perfect time to invest in residential REIT stocks like Trio Properties Inc. (TROP), Royal Lepage Ltd. (RLP) & Brookfield Residential Corp. (BVN).
5. Interest rate hikes won't cause a bubble that we'll end up watching burst all over again, especially if we get a new government in place. Investors should expect capital gains tax changes, stricter lending rules, lower mortgage ratios, the potential for further foreign buyer restrictions and tighter regulations overall that will keep us moving forward towards stability.
For more information on the next edition and other articles written on the Stjohns Newfoundland economy check out https://www.xondo.com/blog/.
Contact me if you'd like info on investing in Canada's hottest markets for the long term. Email josh at email@example.com.
Thanks for reading!
Founder & CEO, XONDO
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"Owning a home isn't just about shelter." If someone told you 20 minutes ago, "Hey Josh, why don't you come back when you have kids?" Then, he added "Oh and you'll probably move away from city centre," you wouldn't believe him because no one talks like that. But then, you do realize, he knows way more about you than you might want him to know... [Read Full Post][Reply]
- New Construction Investment Opportunities in DeKalb County Georgia
- For those who aren't familiar with real estate investing I'll first lay down this common misconception. Real Estate investors typically buy houses and then rent them out until they sell for profit. While many people have taken advantage of this method since the boom in housing prices in 2007 & 2008 it does come with some risks that many overlook. One risk is that most landlords will raise rents after only 3 months of ownership which limits the income potential. Another is property management fees. Most often these services are paid monthly in addition to utilities & maintenance which quickly eats away at profits once a unit becomes vacant.
Another reason why renters would be better suited for rental properties than buyers is location. If you live somewhere like Boston MA or San Francisco CA you could find yourself without an affordable place to call "home" for 5 years while waiting for the market to heat back up again. However if you're willing to travel further north or south, land values get cheaper every day. I'm hoping to help folks realize the long term advantages of buying instead of renting!
Buyers should consider whether they can afford the purchase price upfront (or through financing options), can afford down payment plus closing costs (including title insurance), and are capable of paying both principal AND interest payments on their mortgage. Buying rather owning gives the buyer several benefits including tax savings, control of equity, flexibility of moving anytime, and ability to pay cash whenever.
To learn more visit my website https://www.xondono.com/newstjohnsliverentals/buyer
We hope you enjoyed reading the article above. We welcome questions, feedback, suggestions, comments...etc, please leave us links below and lets see what other topics spark discussion on this page.
- Examining Real Estate Market History in Georgia
- In recent years, real estate markets across North America saw tremendous gains. Many cities witnessed double digit price appreciation. According to RCLCO, Canada & US property market statistics, average prices increased 7% y/y in July 2018 and 7.2% y/y through August 2019 in Toronto.
However, despite these increases, some investors feel like they’re losing ground due to rising interest rates. As long term interest rates rise higher than short term ones, borrowers must either prepay down debts faster or pay back larger amounts each month. While this may be advantageous for certain categories of debt holders — those who borrow money and refinance their loans for lower rate periods, many buyers find themselves locked outside the housing market and unable to purchase anything until interest rates decrease again. If you’re interested in finding out whether buying real estate in St. John’s makes sense for you in light of current market conditions, read below to learn everything you ever wanted to know about investing in residential real estate.
Market Conditions in Saint John’s
St. John’s is located just north of Prince Edward Island along eastern coast of Atlantic Ocean. Due to geographic position being close to international airport and oceanic trade routes, property value appreciates greatly during summer months. A lot depends on weather though. Average temperatures tend to stay around 10 degrees Celsius most of the year. However, summers can get quite hot and humid, while winters tend to remain fairly mild and dry. Despite relatively less snowfalls, winter months still bring large ice storms which affect roads and cause many power interruptions to city residents. Overall wintertime climate conditions seem perfect enough for winter sports enthusiasts (skiing, sledding, cross country skiing), but snowstorms might deter tourists from visiting during cold season unless they’re prepared for extremely cold temperatures. Summertime is generally pleasant (with occasional rain showers). Most precipitation falls during September and October, making late fall and early spring ideal times to purchase properties. On the other hand, winter tends to bring lots of foggy days, resulting in poor visibility. During summer months, the sun sets around 5 p.m.; however, nighttime hours in St. John’s range anywhere between 8pm and 9pm depending on the location.
Real Estate Prices in Saint John’s
Despite Saint John’s being among least expensive places in province of Newfoundland and Labrador to live, real estate prices in general aren’t cheap. Property values vary significantly based on neighbourhood, proximity to main highways, size of land parcels available, and availability of community amenities nearby. The largest neighbourhoods are Point Pleasant and Quidi Vidi Beachfront; both areas attract well educated population with high incomes. These neighborhoods usually feature private schools and daycare facilities, plenty of parks, playgrounds, shopping centres, grocery stores, restaurants, bars. They are great communities to raise family and enjoy life. Properties in smaller enclaves, known as ‘Villages’, are cheaper because homes in them tend to sell quickly. Villages often lack basic services including schools, post offices, police stations, banks, medical clinics, etc. For instance, you will probably face longer wait times at hospitals...
- Getting approved for your New Home Purchase in DeKalb County, Georgia
- Getting Approved For Your New Home Purchase in De Kalb County, GA
If you're planning to buy a house in DeKalb county, then this article will tell you everything you'd like to know regarding getting pre-approved, finding financing options, the loan process, closing costs, and other related issues.
This DeKalb County real estate guide is written specifically for those who would be buying homes in DeKalb county. If you're interested in investing instead, please read my other articles instead.
DeKalb County Real Estate is booming these days. There's no doubt that people are flocking to this place because they see potential in the area. They see opportunities for jobs growth, business opportunities, and many other things that make DeKalb County appealing.
But there are some downsides to living in DeKalb County Georgia also. Some residents say they find themselves dealing with traffic congestion and high prices. Others complain about having difficulty selling their houses quickly after purchase.
So you might ask yourself "Is it really worth it?" I'm going to help answer that question today...
What Is Required To Buy A House In DeKalb County?
Before you go ahead and get started, first you'll need to meet certain criteria. You must prove that you qualify financially, legally, and you should be able to afford a mortgage payment in case you decide to sell the next day.
In order to qualify financially for a home loan, you'll most likely need proof that you've had a job for at least 3 months and you have enough cash savings to cover at least 10% down on the property.
Also note that you won't necessarily receive an offer letter until you have completed a loan application and been given an approval letter from the bank. So if you haven't found a job yet, make sure you apply early. And don't forget to save money to pay down the principal of your existing loans.
How Do You Find Out About Financing Options In DeKalb County?
When it comes to financing your dream house in DeKalb County, it pays to shop around. There are several lenders out there offering different types of mortgages that work differently than each other.
So you'll have to figure out which type of lender offers better rates and terms, but that's just part 1 of the equation. The biggest factor is that you'll need a good credit score to secure these kinds of loans. So it makes sense to check your credit report regularly.
How Much Will Closing Costs Be On My Property Price?
Closing fees vary depending on whether you use traditional methods versus online methods to purchase your new home in DeKalb County. But generally speaking, they range anywhere from 2%-7%, though you could end up paying less or more depending on the size of the transaction.
For example, a typical 2 bedroom apartment in downtown Atlanta will cost around $10k-$12k while larger properties will run you upwards of $30k+.
Should I Sell First Or Invest In DeKalb County Houses?
If you're thinking about making a move like mine, then you're...
- What makes Xondo Georgia's Most Convenient New Condo/Home Buying Platform?
- Xonodo is built with simplicity in mind. Our team was founded to provide clients who desire a quick, streamlined search experience when buying their next home. We pride ourselves on being able to help people find homes faster than they ever thought possible through a series of steps designed specifically for finding houses online.
Whether purchasing a first time home or moving into a newly constructed home, getting started should be simple. Xonodo offers a seamless process which ensures every transaction is handled quickly and efficiently. From browsing property listings, filling out forms and signing contracts, this entire process can take anywhere from 5 minutes to 10+ depending on whether you're working remotely or in person.
While Xonodo simplifies the process behind buying real estate, that does mean making some choices along the way. Below is a short overview of each decision point involved in searching and owning a house in today's market.
How Do I Buy Real Estate Online?
Buying a home isn't always as fast or convenient as most would expect. There are certain aspects that must come together to allow online transactions to occur successfully. First and foremost, a website needs to exist to facilitate your purchase. A quality website will showcase properties and offer buyers information and insight necessary to navigate and understand the process of buying a house. An optimized, SEO friendly website is crucial to ensure your web presence remains consistent across multiple devices and browsers. As well, having an active listing agent associated within your company helps increase exposure. If you feel like you cannot handle the responsibility yourself, consider hiring professionals to assist. Finally, there are legal requirements that must exist. Whether you work with a broker or use another third party agency, a license is required for those providing services in order to operate legally. Licensing varies city and state to city but typically requires a minimum level of education and training. Once these things are accounted for, however, you'll have no problem selling yourself online and attracting potential buyers to your portfolio of listings.
Which Websites Should My Business Use For Listing Properties?
Websites dedicated to real estate agents are a dime a dozen but many fail to meet the criteria outlined above for high traffic numbers and optimization standards. When choosing between different sites, keep in mind that you aren't just comparing apples-to-apples when selecting a specific provider - rather you're evaluating websites that specialize in serving homeowners looking to sell themselves versus companies that serve both sellers and buyers. While both types of agencies have different strengths and weaknesses, it ultimately comes down to what your business model is, the size (if applicable), geographic location, target demographics, clientele, customer service ratings, etc. Each of them serves unique groups of consumers differently, which impacts the type of content provided on the websites.
When Is Time To Sell Your House And Move To Xonodos Realty World?
Moving into a brand new property often brings excitement, but it also involves a few adjustments. Selling your current place prior to making moves is something every family desires; however, sometimes buying a new space is better because of financial benefits. Moving costs vary considerably between cities, although moving expenses tend to decrease after 3 years. After accounting for living expenses, taxes, utilities, and other general bills,...
- How Xondo makes Home Buying & New Construction Investing in DeKalb County Easy?
- XONDO offers real estate agents across Canada access to data they couldn't ever get before through a partnership with Data4Realty.
Home ownership rates for every postal code
Average selling prices for homes currently listed
Homes sold since January 1st 2017
Houses bought/sold in the past 30 days
New listings by price ranges
Listings on active MLS systems
And many other valuable insights! We'll use this information to identify areas for growth, and market those to clients who are buying or listing properties. Our team then takes actionable steps to help each client meet his/her objectives. By doing this together, we've helped thousands of people sell faster, buy smarter, and have fun along the way.
To learn more, please visit https://xondo.ca and click "Get started" below. Or call us today to talk to one of our friendly, knowledgeable agents about your next purchase, sale, mortgage or rental property in Saint John’s.
[IMAGE: screenshot from xondono website]
How would you like to help thousands of Saint John's residents find great deals while having some fun doing it?
If you're ready to work alongside experts in real estate investing for years after completing a training program, XONDO could be your perfect match. If you'd like to see more details, just request more info online, and someone will contact you shortly.
Websites: thelistofthings.com, misteriozine.com, jamesmillerblog.com
Blog Titles: 10 Things I Learned About Writing This Weekend | #MisterIOZINE
Blog Descriptions: Every week James Miller blogs about something he learned during the week. He writes about things related to writing, publishing, technology, music, pop culture and life in general — whatever strikes him as interesting.
James' weekly posts range anywhere from 100 to 300 words. Most weeks feature five articles; but sometimes we run two or four depending on what else catches James' eye.
Category Tags: JamesMiller
Section Tag: #jmbweekend10
Blog Content: [CONTENT START]
I was listening to “What Makes A Good Writer,” which was recommended on Twitter (@James_E_Miller). And it got me thinking — how does a writer become good? Does talent come first, or skill? Is one better than another? Do writers write because they enjoy writing, or because they love words?
My initial thought upon hearing these questions was that I knew the answers already. But in truth, I had no idea. And in order to answer them properly, we need to consider both sides of the equation simultaneously. So here goes...
First, let’s assume everyone agrees that writing requires talent. There must be some innate ability present in most writers to produce work that others admire. Talent, for lack of a different word, isn’t something that can be taught. It just exists naturally within certain individuals.
But talent isn’t enough. Even though...
- How To Make Money On a New Home or Condo Purchases in DeKalb County, Georgia
- In order to invest wisely, it is imperative to research thoroughly. When making decisions regarding real estate investing, knowing exactly what your options are will help keep things fair. For example, if you decide to buy property in a certain area, then you should consider doing some background checks first. Not only does this allow us to see whether people actually live in the neighborhood; but it lets us gauge the quality of life and other factors surrounding the location. Of course, these questions aren't always possible during early stages of building relationships. Nevertheless, once you've chosen a specific community, ask yourself why someone would still be living there after several years. Is the price worth paying? Does everyone get along well with each other? Do people enjoy going to local schools? These are just some examples of the type of information you should take note of, especially while deciding which neighborhoods to purchase properties in.
Nowadays, many people who are interested in buying residential homes often use online shopping websites like Zillow, Trulia, Realtor.ca, PropertyShark, RealEstateAgent.com, Redfin, among many others. There are advantages and disadvantages to every website available online today, though most of them offer similar services. However, choosing the appropriate website can become tricky at times because they each present different sets of information and rankings depending on the criteria and methodologies used to reach those ratings. If you're unsure of what sites contain accurate and reliable content, then you'll definitely benefit from reading reviews and recommendations by fellow investors you trust on the internet.
Another great thing about researching locations prior to starting your own business is that you can use it to find potential partners and contractors who could assist you with various aspects of getting ready to move ahead. Whether or not you intend to hire professionals for these projects depends a lot on the size of the project, cost estimations, and overall experience you already possess. A good contractor knows his job inside and outside and usually takes pride in providing high level workmanship with little hassle. Also, he will likely charge less than a professional engineer or architect. However, when looking for someone new for the house renovation, look around on online forums or chatrooms for homeowners to see what past customers had to say about him or her. Some of them don't necessarily hold back and provide detailed accounts of their experiences working with them. By being upfront with clients about what you expect in terms of payment and timelines, you won't come across as pushy or disrespectful towards them. Instead, it shows you truly care about their happiness and safety, both of which are paramount to any relationship.
When considering whether or not to renovate your current residence, it makes sense to determine whether or not it would be worth replacing everything. As mentioned earlier, some parts may not have held up nicely due to age or lack of maintenance thus far. This includes appliances, flooring materials, fixtures, and wiring to mention a few. You should always consult with an experienced electrician if you ever wish to perform electrical renovations. They specialize in dealing with all types of electricity related problems and can safely advise you accordingly without putting anyone else at risk. If the kitchen needs updating, consider adding a granite countertop rather than opting for...