857-800-1237 jacky@jackyfils.com

Blog #75: Leveraging Real Estate to Build Wealth: A Simple Guide for Everyday Investors

Are you curious about how real estate can help you build wealth, but not sure where to start? You’re in the right place. Investing in real estate might seem like a game only for the big players, but the truth is, it’s a fantastic way for everyday folks to grow their wealth too. Let’s break it down in a way that’s easy to understand, even if you’ve never dipped your toes into real estate before.

Why Real Estate? It’s Not Just for the Rich and Famous

When you think about real estate investing, you might picture people like Donald Trump or other big-name investors. But here’s the thing: real estate is one of the best wealth-building tools for regular people like you and me. Why? Because it’s tangible, it usually appreciates over time, and it can provide a steady income stream.

Start Small, Think Big

You don’t need a mountain of money to start investing in real estate. In fact, many successful real estate investors started with just one rental property. The key is to start small. Look for a property that fits your budget and could generate rental income. This could be a single-family home, a duplex, or even a small apartment.

Rental Income: Your New Best Friend

One of the biggest perks of owning real estate is the rental income. Imagine having a tenant who pays you monthly rent, which helps cover your mortgage and other expenses. Over time, as you pay down your mortgage, your equity in the property grows. Plus, if property values increase, you’re building wealth in two ways: through rental income and property appreciation.

The Power of Appreciation

Real estate typically appreciates over time, meaning its value goes up. This isn’t guaranteed, but historically, real estate has been a solid investment. Think about it: you buy a property today, and in 10, 20, or 30 years, it could be worth significantly more. That’s money in your pocket!

Tax Benefits: Uncle Sam’s Gift to You

Did you know that real estate comes with some sweet tax benefits? You can deduct mortgage interest, property taxes, and even certain expenses related to managing your property. This means you get to keep more of your hard-earned money, and who doesn’t love that?

Don’t Go It Alone: Partner Up!

If the idea of buying a property on your own feels overwhelming, consider partnering up. Joint ventures are common in real estate, allowing you to team up with others who have complementary skills and resources. This way, you can share the risks and rewards.

The Snowball Effect: Growing Your Portfolio

Once you’ve got your first property, you can use the equity you build to buy more properties. This is called the snowball effect, and it’s how many small investors grow their portfolios over time. With each new property, you’re building more wealth and creating a larger income stream.

Overcoming the Fear Factor

It’s normal to feel a bit scared about diving into real estate. But remember, every successful investor started where you are now. The key is to educate yourself, take calculated risks, and learn from your experiences. Over time, you’ll gain confidence and see the benefits of your investments.

Ready to Learn More?

Real estate investing isn’t just for the rich and famous—it’s for anyone who wants to build wealth and secure their financial future. If you’re curious about how you can get started, we’d love to help. Book a call with us today and let’s chat about how you can begin your journey in real estate investing. Together, we can turn your curiosity into action and start building your wealth through real estate.

 

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #74: Finding Opportunity in Crisis: Investing in Real Estate During a Recession

When the economy hits a downturn, many people tend to shy away from investing in real estate. But the truth is, a recession can actually be a great time to invest in property. In fact, some of the most successful real estate investors in history have made their fortunes during times of economic hardship. In this blog post, we’ll explore why investing in real estate during a recession can be a smart move, and how to find opportunity in crisis.

First, let’s examine why a recession can be a good time to invest in real estate. One major reason is that property prices are often lower during a recession. This is because fewer people are looking to buy, so there’s less competition for available properties. Additionally, property owners may be more willing to negotiate on price during tough economic times. For investors with cash on hand, this can be a great opportunity to snatch up properties at a discount.

Another reason to consider real estate investing during a recession is the potential for long-term gains. Real estate is a long-term investment, and while prices may fluctuate in the short term, history has shown that property values tend to appreciate over time. By investing during a recession, you may be able to acquire properties at a lower cost, and then hold onto them for several years as the market recovers and prices rise.

So how do you find opportunities to invest in real estate during a recession? One strategy is to focus on distressed properties. These are properties that may be in foreclosure, or that the owner is motivated to sell quickly for some other reason. Distressed properties can often be purchased at a steep discount, but they may require some work to get them up to code and ready to rent or sell. However, if you’re willing to put in the effort, distressed properties can be a great way to build your real estate portfolio.

Another strategy is to look for areas that are likely to rebound after the recession. For example, if a city is investing in infrastructure improvements or has a strong job market, property values in that area may be more resilient during a downturn. By doing your research and focusing on areas with strong fundamentals, you can position yourself to take advantage of the eventual recovery.

In conclusion, a recession can be a great time to invest in real estate. By taking advantage of lower prices and looking for distressed properties, you can acquire assets at a discount and position yourself for long-term gains. Of course, like any investment, there are risks involved in real estate investing, and it’s important to do your due diligence before jumping in. But for investors who are willing to do their research and take calculated risks, real estate can be a smart way to build wealth over time.

If you’re interested in learning more about real estate investing, we’d love to chat with you. We are everyday active real estate investors and we can provide guidance and support as you navigate the world of real estate investing. Book a call with us today to learn more!

 

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #73: Real Estate: Stabler than Stocks

You’re probably familiar with the concept of investing in stocks, but here’s a quick overview. 

The “stocks” you buy are small investments in a company- a share of ownership. These can cost more or less depending on the value of the company at the time of your purchase. 

People buy stocks with the intention of making money on them, which can happen in two basic ways: either through cash dividends, which a company might distribute to shareholders if it’s doing well financially, or by selling the stocks for more than they were purchased for. 

Stocks are one of the first things people think of when they think of investing. That does NOT mean that they’re the best investment option, though. 

Stock prices are influenced by so, so many factors. Supply and demand? Those are factors influencing every market, but the stock market is especially susceptible to that influence. If you’re trying to invest in a particularly popular company… well, good luck. When the demand for a stock is high, the price gets high with it. 

A single share of the most expensive stock in the New York Stock Exchange, Berkshire Hathaway, costs around 340k per stock

But here’s the thing. On March 23rd, 2020, that price was closer to 240k– a hundred thousand dollars less. What’s going on with that?

Well, a few more things influence the stock market. Supply and demand can be shot off in different directions depending on things like how safe people are feeling in the current social and political and economic climates. 

March was around the time the pandemic started getting really bad, and for that reason, people were selling their shares like crazy. That’s the thing about stocks. They’re pretty easy to liquidate, and so when people get antsy, they cut their losses and run, taking the value of the stock down with them. 

Another thing about stocks is that they’re heavily, heavily influenced by the economy at large. If you invest in Apple, and then everyone stops buying iPhones because the economy is going sour, then suddenly, your stock isn’t going to be doing you any good. And the economy has been all over the place lately. 

So, what’s a market you can count on to weather the storms of the economy?

Think real estate. 

Real estate is a solid market. It’s right there in the name: real estate is Real. A solid piece of land, and the sturdy building that sits on it? Those things aren’t going anywhere, no matter what the economy is doing. Stocks are, in a way, abstract. They’re just reflections of how a company is doing, but they’re not an actual thing.

Real estate is stable for a few reasons. One is the above-mentioned solid nature of it. Properties you’ve invested in don’t just get up and walk away.

Supply and demand also aren’t as topsy-turvy in real estate as they are in the stock market. No matter what the economy is doing, people still need places to live or do business. That’s always going to be the case. The demand is always going to be there. And the supply? That’s pretty much set. The Earth isn’t getting any bigger. The demand is more likely to outrun the supply- and that means that property you invest in is going to, if anything, increase in value. 

Even when external factors do influence the real estate market, they tend to do so much more slowly and less drastically than is the case in the stock market. Let’s talk about Berkshire Hathaway again. We already said that on the 23rd of March, it had a value of 240k per share. Want to know what it was worth three weeks before?

324k. A drop of 84 thousand dollars, in three weeks. 

Real estate doesn’t pull that kind of trick on you. If you are looking for an investment that won’t give you the run-around every other week, think about investing in properties.

 

 

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #72: How Real Estate Lets Others Pay Your Bills

Investing in real estate has long been touted as a reliable way to build wealth. However, beyond the potential for appreciation, there’s another compelling aspect to real estate investment: the ability to have others pay your bills.

When you purchase an investment property, whether it’s a single-family home, a multi-unit building, or commercial real estate, you have the opportunity to generate income through rent. This rent can cover not only your mortgage payments but also other expenses associated with the property, leaving you with a potential cash flow positive investment.

Here’s how it works:

  1. Rental Income Covers Mortgage Payments: The most basic way others can pay your bills in real estate is through rental income. When you have tenants occupying your property, they pay you rent each month. This rent can cover your mortgage payments, effectively having your tenants pay down your loan for you.
  2. Cash Flow Covers Expenses: Beyond the mortgage, there are other expenses associated with owning and maintaining a property. These include property taxes, insurance, maintenance costs, and property management fees if you choose to hire a property manager. If your rental income exceeds all these expenses, you have a positive cash flow property. This means that not only are your mortgage payments covered, but you’re also left with extra income.
  3. Leverage Multiplies the Effect: One of the key advantages of real estate investment is leverage. When you purchase a property with a mortgage, you’re using leverage – you’re controlling a large asset with a relatively small amount of your own money. If the property appreciates, you get the benefit of that appreciation on the entire value of the property, not just your initial investment. This means others are not only paying your bills but potentially building equity for you.
  4. Tax Benefits Further Enhance Returns: Real estate offers several tax advantages that can amplify your investment returns. Mortgage interest, property taxes, insurance, depreciation, and certain expenses related to maintenance and management are often deductible. These deductions can reduce your taxable rental income, potentially resulting in significant tax savings.
  5. Appreciation Adds to Wealth: While others pay your bills on a monthly basis, the property itself can increase in value over time. Real estate has historically appreciated in the long term, albeit with some fluctuations. Appreciation adds to your wealth without any additional effort on your part.

However, it’s important to note that real estate investment comes with its own set of risks and challenges. Tenant vacancies, unexpected repairs, economic downturns, and changes in the real estate market can all impact your returns. It’s crucial to do thorough research, understand the market, and have a solid investment strategy in place.

In conclusion, investing in real estate offers the opportunity to have others pay your bills while you build wealth and financial independence. With careful planning, management, and a long-term perspective, real estate can be a powerful vehicle for achieving your financial goals.

 

 

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #71: Real Estate Vs. Cryptocurrency for Inflation Resilience

Real estate has been a solid investment performer for decades and is often a great way for investors of all backgrounds to generate some meaningful income.  That said, sometimes new investment trends lure some entrepreneurs. Right now, that investment trend is cryptocurrency.

 Some currencies like Bitcoin saw substantial gains in 2020. This has prompted many to speculate that cryptocurrency might be the new gold standard in defense against inflation. But before you click “purchase” on Bitcoin or any of its digital look-alikes, there are a few things you should know.

The Nature of Cryptocurrency 

Cryptocurrency was introduced about 12 years ago. It has no long-haul record in terms of inflation resilience. However, if there is one thing we do know about periods of dramatic inflationary increase it is that they tent to cripple unstable investments.  Cryptocurrency has all the qualities of a volatile investment option.

The stability of cryptocurrency is based on its scarcity. Bitcoin for example promises not to create more than 21 million units. Unfortunately, this is not how true scarcity is derived.

There are two ways in which scarcity can be actually achieved, one it by being a limited resource such as land or gold.  The other is if something cannot be replicated.

Cryptocurrency’s scarcity is not based on either of these standards. It has no physical limitations as in gold, or intellectual exclusivity as in an original work of art or a copyrighted process.

Also concerning is the minimum entry requirements to enter the online currency market. The first blockchain for cyber monies was created on a standard home computer.  Since then, several companies including PayPal have been jumping onto the electric dollar bandwagon.

Because of its intangible nature, the potential value of cyber cash is impossible to predict. There are no balance sheets or income statements for investors to read, and there is a distinct lack of online currency regulations.  This could be why Forbes has downgraded Bitcoin from an “investment” to a “trade” and even sees it’s further as “volatile.” 

Real Estate 

Real estate is actually the polar opposite of cryptocurrency when it comes to steadily weathering inflation. 

Land is one thing they are not making more of.  Investors can easily research neighborhood and development trends to determine which properties are on the rise.  Furthermore, the housing price index shows real estate to be one of the most steadily increasing investments in the last 100 years

If you are looking for a stable economic performer, you are better off forgoing the pixelated emoticon of a dollar sign.  Put your feet and cash on real ground and embark on your journey as a real estate entrepreneur.

 

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #70: Maximizing Returns How to Use IRR

Real estate investment is one of the most profitable forms of investment that people can make. However, it is essential to evaluate a real estate investment deal before committing your money. Investors use several metrics to evaluate real estate investments, one of which is the Internal Rate of Return (IRR). IRR is a measure of an investment’s profitability, and it is used to estimate the future cash flows generated by an investment.

IRR is an essential metric for real estate investors because it helps them understand the potential return on their investment over a specific period. For example, an IRR of 20% means that the investment generates a 20% annual return. By contrast, a 5% IRR means that the investment generates a 5% annual return.

To understand how to use IRR to evaluate a real estate investment, consider this example: Suppose you are interested in investing in a multi-family property that costs $1,000,000. You plan to rent the property to tenants and sell it after five years.

Assuming that the annual rental income is $100,000, and the operating expenses (excluding debt service) are $40,000 per year, the property’s net operating income (NOI) is $60,000 per year.

Let’s assume that you finance the purchase with a $750,000 loan at a 5% interest rate for five years. At the end of the five-year period, you sell the property for $1,250,000.

Using these assumptions, we can calculate the property’s IRR. The IRR takes into account all of the cash flows associated with the investment, including the initial investment, the annual cash flow, the debt service, and the final sale proceeds.

After calculating the investment’s cash flows, we find that the property’s IRR is 15%. This means that the investment generates a 15% annual return over the five-year period.

IRR is a critical metric for real estate investors because it considers the time value of money, which means that it factors in the investment’s cash flows over time. This is important because an investment that generates a high return in the short term may not necessarily be the best investment over the long term.

In summary, IRR is a powerful tool for evaluating real estate investments. By calculating an investment’s IRR, investors can understand its potential profitability over a specific period. While there are other metrics to consider, IRR provides a comprehensive picture of an investment’s potential return.

If you’re interested in learning more about how to evaluate real estate investments using IRR, or if you’re looking to invest in a real estate deal, contact us today to schedule a call! We’ll help you navigate the world of real estate investing and find the best deals to maximize your returns.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #69: Real Estate vs. Bonds_ Inflation

Real Estate vs. Bonds: Playing With Inflation

The risks and rewards of any investment depend on the nature of that investment. Each type of investment vehicle has different properties that lead to various risks—and rewards. Today, we’re going to look at the impact inflation has on bonds versus real estate: which investment benefits from the change in the value of a dollar, and which investment flops under this economic pressure?

Bonds

Bonds are a type of investment that involve the investor giving a loan to a borrower (usually a government or corporation). The investor then makes money off the bond through interest payments made on the loan’s principal, in addition to the payments received as the principal itself is paid off.

Bonds are typically considered a “low-risk” investment, but that does not mean that they are without risk. Why? Inflation. Even as the value of a currency decreases, the dollar amount that the bond is said to be worth remains the same. 

So, what does that mean? Basically, as inflation increases, the value of the bond decreases. If you put in a thousand dollars, you’ll be receiving that same thousand dollars back as the bond is paid off by the recipient, even though, as time goes on, the buying power of a thousand dollars decreases. 

The longer the term of the bond, the greater the negative impact inflation is likely to have on its value. Remember, inflation is, most of the time, increasing. You can’t count on a long-term bond to have your back.

Real Estate

Real estate investors, on the other hand, can find a lot of value in inflation. If a real estate investor plays their cards right, the property of inflation can inflate the value of your property. 

Think of it this way. When inflation rates are high, it becomes more difficult for the average Joe to get a mortgage. That means he’s not buying a house, but he still needs a roof over his head. What does he do? He rents!

This increase in the demand for rental properties means that real estate investors can actually have a really good time during periods of high inflation, even when that same inflation is putting a strain on other types of investments, like bonds. 

When you set out to invest, you have to consider the risks along with the rewards. Ballooning inflation can pop even a “low-risk” investment like a bond, but real estate can still remain afloat even in the most inflationary times. For this reason, and many others, real estate might be your best investment option yet.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #68: Navigating the Storm: Your Guide to Hyper-Supply in Real Estate

Real estate investing can be both exciting and profitable, but it’s not without its challenges. One of those challenges is navigating the hyper-supply phase of the real estate cycle. In this phase, the supply of available properties far outweighs the demand from buyers or renters, leading to lower prices and longer holding periods for investors.

But fear not! With the right knowledge and strategies, you can not only survive but thrive during this challenging time in the real estate market.

First, let’s take a closer look at what hyper-supply is and why it happens. Hyper-supply occurs when there is an oversupply of properties on the market, leading to decreased demand and lower prices. This can be caused by a variety of factors, such as an influx of new construction, a decrease in population growth, or an economic downturn.

So, how can you navigate the storm of hyper-supply in real estate? Here are some tips:

  1. Research the market carefully: Before investing in any property, it’s crucial to research the local market carefully. Look at current and historical trends in supply, demand, and pricing. Analyze the demographics of the area to determine if there is potential for growth and demand in the future.
  2. Focus on quality properties: During hyper-supply, it can be tempting to invest in lower-priced, lower-quality properties. However, it’s important to remember that these properties may be harder to sell or rent out in a saturated market. Instead, focus on high-quality properties that stand out from the competition and will attract buyers or renters even in a tough market.
  3. Be patient: During hyper-supply, it may take longer to find buyers or renters for your property. This means you may need to be patient and hold onto your property for longer than you anticipated. However, with the right property and strategy, you can still make a profit in a hyper-supply market.

In conclusion, hyper-supply can be a challenging time for real estate investors, but it’s not impossible to navigate. With careful research, a focus on quality properties, patience, and alternative investment strategies, you can still make a profit in this phase of the real estate cycle. So, don’t be discouraged by the storm of hyper-supply – instead, use these tips to ride the wave and come out ahead.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #67: Real Estate Vs. Bonds Come Tax Time

Bonds and real estate attract both novice and seasoned investors for various reasons.  While bonds are often seen as a steady course of action that require little maintenance, the gains in real estate are much more meaningful.

One of the reasons why real estate is more profitable is because it brings with it many tax advantages.  Let’s take a closer look at how both investments stand up to the IRS. 

Bond Taxation 

Bonds are simply a transaction with the federal government.  Therefore, taxation is pretty much a forgone conclusion and is pretty rigidly structured.  The interest or profit gained above and beyond the cost of purchase is subject to federal taxes once the bond is redeemed.  State and local taxes may be added if the bond is part of an estate settlement or inheritance.   

Property on the other hand, allows for several exceptions when it comes to taxes.

Real Estate Taxation 

Depreciation is one way that property investment helps soften the blow of taxes.  That’s because it is generally assumed that wear and tear significantly decreases the value of your property every 27 years.  What is even better is that you get the tax break regardless of whether you spend money on the property or not.

Additionally, collected rent is not subject to Medicare of Social Security taxes.  Collectively called the FICA or payroll tax, these deductions take 7.65% of your salary of wages if you work for someone or 15.3% of your income if you are working for yourself.  Making your money by collecting rent is like giving yourself a take7.65%  to 15.3%  raise.

In a flourishing neighborhood, real-estate traditionally increases.  However, there is no taxation on appreciation.  If your home appreciated $100,000 over a fifteen-year period, then that $100,00 would be tax free.

When you sell a house, you are subject to what is called a capital gains tax.  However, this tax works on a sliding scale of 0% to 20% according to your tax bracket. Having a long-term  property investment strategy can allow you to sell when you are in a lower bracket and thereby avoid paying capital gains.  

Bottom Line: Real Estate Entrepreneurs Come Out On Top

These are just a few of the many ways in which property investment can help keep money in your pocket when it comes to tax time.  Look into real estate and property development options, and you are sure to discover many more.

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #66: The Local Economy

The housing market often reflects what’s happening in the economy. When times are good, there’s money in the economy to invest in housing. If times get tough, the Federal Reserve may intervene to reduce the pool of spending money. Unfortunately, when the Federal Bank starts looking at the possibility of an interest rate hike, it usually means there are leaner times ahead for homeowners and real estate investors alike. Keep reading to learn more about how the local economy influences the real estate market. 

How Does the Federal Reserve Determine Interest Rates?

Many factors will cause the Federal Reserve / Central Bank to fiddle with interest rates. In general, though, it’s the state of the economy that determines the interest rate. 

High interest rates make credit and mortgages more expensive, reducing the amount of money circulating in the local economy. Of course, some areas are harder hit than others when interest rates change.

The top end of the market takes a heavier hit due to significant price differences. After all, one percent of one million is a lot of money, but 1% of $400,000 can hurt more for lower to middle-income earners, which is the demographic where mom and dad investors have most of their finances tied up. 

Why Are Interest Rates Critical to The Real Estate Market?

Interest rates influence the value of a property. When interest rates go up, credit gets more expensive, and property buyers’ borrowing capacity decreases. Buyers who may have been considering properties close to the city will need to look further out. In these cases, appealing suburbs outside the CBD can suddenly benefit from higher values. 

Housing Starts Versus Home Sales

The housing market has two main sectors: home sales and housing starts. Home sales include established homes, while housing starts refer to new homes that have not yet been built. 

The volume of housing starts, usually in brand-new suburbs with the latest, most up-to-date infrastructure, increases when the economy is full steam ahead. After all, who doesn’t love a brand new, shiny home that’s never been lived in before?

Housing starts will influence the local economy in many ways, including employment, land sales, raw building materials, and the businesses and support services that grow up around new suburbs. A weaker economy usually creates a corresponding drop in new home sales and a slight uptick in the sale of established homes. 

Slow economies can have a dramatic effect on the housing market. Economic slowdowns influence the local economy as finance gets more expensive and the number of buyers in new home builds dries up. The reverse is true in a healthy economy.

Whatever the state of the real estate investment market, you can always find lucrative opportunities when you know where to look. However, it can be challenging to know where to put your investment dollars when you are not immersed in the property industry every day. Invest with confidence by talking with the experts who have successfully navigated the property market and consistently come out on top.

 

 

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #65: Where the Wealthiest People Invest

When you invest, you want to do it right. But making the right investments can be a tricky process. Should you buy gold? Diamonds? Should you put your money in mutual funds or stocks? The options are many, and it can seem a little overwhelming.

The thing is, it doesn’t have to be. If you want to make the smartest investment for your finances, your best bet is to look at what the most successful people are doing. And where, exactly, are they putting their money? Real estate.

Real estate is one of the best investments a person can make. 60% of the wealthiest investors in the world have put their cash behind land and properties, and that success speaks for itself. If you know what you’re doing, you really can’t go wrong with real estate- property has an inherent value. It doesn’t go anywhere, and it’s something everybody needs.

Everyone has to have a roof over their head. By investing in real estate, you’re laying down the foundation for a stable and prosperous future. Those in the know know that a good investment is one that appreciates in value and is in high demand. And the demand for real estate never goes away. It’s a limited resource- the planet isn’t getting any bigger, is it? Getting your hands on a piece of that pie is a great way to get your fiscal feet under you and start seeing the returns you want.

Wealthy people know better than anyone how to create wealth. That’s just a given, right? They’ve done the work, they’ve done the investing, and now they’re reaping the rewards. That could be your reality, too, if you just follow the right steps. You’ve got to do what the successful people have been doing in order to see that same success. What so many people have found prosperity in is real estate. It’s only a matter of starting.

If your dream is to get a great return on your investment, with the security that comes with knowing that your money is backed by a real, tangible, and valuable asset, try investing in real estate. The choices you make today are the building blocks for your future. Making the right decisions now is how you ensure a prosperous tomorrow for you and your family. You- yes, you!- could soon begin investing smart and seeing the results you deserve.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #64: The Many Roads of Real-Estate Profit

There are so many possibilities to consider when you’re contemplating investing your money. Stocks and bonds, mutual funds and gold- the choices seem practically endless. You have to consider the risks you take and the rewards you reap with each of them. At the end of the day, you want to maximize the profit you’re making from your investments. With that in mind, it just makes sense to invest in the most lucrative option.

Most investment options have one, maybe two potential sources of profit. You can cross your fingers that the value of your investment increases so you can then sell it at a profit, but that’s about it. Isn’t it preferable to have an investment that will give you a profit through multiple avenues? 

Let’s talk real estate. Real estate investments provide not one, not two, but eight profit centers. These are:

  • Appreciation
  • Instant Equity
  • Cash Flow
  • Depreciation
  • Leverage
  • Forced Equity
  • Principal Pay-Down
  • Reinvestment

We’re not going to get into each of these in detail today, but right off the bat, you can see from that list alone how real estate can become a gainful investment. 

From the day you invest in a property, you can already find yourself better off than you were previously. That’s due to “Instant Equity”, which is what happens when you buy a property for less than its market value. You might be asking why someone would choose to sell a property for under what it’s worth. 

There are a few reasons for that: the owner might have inherited the property and decided it’s not worth dealing with, or they might be in a situation where they need to liquidate their assets quickly more than they need to maximize their gains from it. Whatever the case, they need to make a quick sale, and that’s where you come in.

After that, once you own the property, you start getting into all the other profit centers real estate has to offer. Property can naturally gain value over the course of time: that’s the “Appreciation” from the list. You can also expand your profit by renting out the property for an amount greater than the expenses associated with your property: that one is “Cash Flow”. And once you’ve begun making a profit with a property, you can reinvest in even more properties, granting you the ability to increase your net worth exponentially.

You want to make smart investments that are going to pay off over time, right? So why not put your money behind the option that will bring in cash from all sides? Real estate could very well be right for you- with the right investments, you could end this year with a greater net worth than you’ve got. The trick is, you’ve got to start.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #63: On the Right Side of Supply and Demand

Supply and demand might just be the most important factors in our economy. How much of something exists, and how badly people want it, are the defining aspects of how that market works. From an investor’s perspective, the best bets are ones where demand outstrips supply. With these kinds of investments we find success because there will always be people willing to exchange money for what we have. 

That brings us to real estate. The fact is, everyone needs a place to live. Housing is a necessity. So, with that in mind, it just makes sense that real estate would constantly be in high demand. Everyone needs it, so everyone is on the market for it. This means that if a person invests in residential properties, they shouldn’t have much trouble finding people to rent to. 

There are a few reasons that demand is greater than supply in the real estate market. One is that demand for housing increases with the population, and the population isn’t getting any smaller. But just because the need for housing has increased, doesn’t mean the supply has. Constructing new rental units costs money, and it’s a cost that won’t be immediately made up for. Profiting from a newly built building takes time.

Meanwhile, many existing apartment buildings have, in the past few decades, been converted into condos. This leads to even fewer options for renters. But people still need places to live! So, by investing in a piece of the real estate pie, you’ve invested into a market that works in your favor. 

A market where demand outstrips supply is one that works for investors. Real estate can provide that kind of environment. It’s something everyone needs, and as long as people need shelter, it’s going to stay that way. This is one of the many reasons real estate can be such a lucrative investment.

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #62: Steady Eddie Real Estate

The world of finances can feel like a hurricane. The tides of the economy are constantly washing in and out, and it can be hard to tell where you can safely make your investments in order to maximize your returns. 

So, how do you tell what investment will secure your fiscal future? The stock market fluctuates every day. You can’t really depend on it to give you what you need. Likewise, bonds and even mutual funds tend to be unstable, as they shift with the external market forces that move the economy. You want a more stable investment, one you can count on. That’s where real estate comes in.

Real estate is a smart investment for a lot of reasons. Chief among these is the steadiness of it. Where other types of investment can lose vast amounts of value at a moment’s notice, real estate has a great consistency in value.

Of course, the value of a property can change. But it doesn’t drop like a cement block, the way the value of stocks can. When properties’ prices change, they do it much more slowly and gradually. That’s because, unlike luxuries like gold and diamonds, housing is a necessary and consistent market. Everyone needs a place to live, and that isn’t going to change. So with that in mind, it only makes sense that your properties would remain valuable no matter what the economy gets up to.

Of course, we all know that the housing market can be subject to negative economic forces. We all learned that in 2008, with the collapse of that particular bubble. But where other markets can’t take such heavy blows and would suffer irreparable damage, housing has a neat tendency to even itself out within a few years. Even if a real estate investment takes a hit, it’ll be back to its old self (or perhaps even better!) in a relatively short time as compared to other investments.

Real estate is just that: real! This kind of investment is reliable because it’s based in actual, tangible things- things people are always going to need. It’s not based on abstract concepts and invisible forces. Real estate is the real deal. If you’re looking for an investment that’s as stable as concrete, property is the way to go.

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #61: Banks Love Financing This…

Things cost you what they cost, right? That much seems obvious. If you want to buy 1000 dollars worth of stock, you’re putting 1000 of your own dollars out of your own pocket into that investment. There’s no getting around it- stocks, bonds, mutual funds, gold… whatever your investment is, you’re going to have to pay what the market asks of you.

Except, that’s not the case with real estate. When you purchase a property, a bank will typically finance between 75 and 85 percent of the cost. Your responsibility is only for the remaining percentage, which you put in as a down payment. And yet, 100 percent of the investment (the property) is under your control. 

A bank would laugh in your face if you asked them to cover 85 percent of the cost of a few ounces of gold. But if your investment is in real estate, they’re singing a different tune. If you have good credit and are able to make that 15-25 percent down payment, the bank will cover it. 

Banks love helping people invest in real estate, and that’s a fantastic thing for investors. By having a bank finance the vast majority of the cost of the investment, investors can minimize the amount of money they have to put into the deal. From there on out, they see all the profits from the property. And remember, real estate has many profit centers! 

There are so many possibilities at every step of the way, from the leverage and instant equity we can find when you initially purchase the property, to the profits we make from renting out units, to the value the property gains, all the way out to the potential for reinvesting the money you’ve made off of a property. That’s the great versatility of real estate, and it all begins with making that initial investment. 

The simple fact that a bank will be willing to finance an enormous part of the cost of a real estate investment, while still allowing the investor to reap all the rewards, is part of the reason real estate is such a great choice. With the help of a bank, investors can minimize how much of their own money they have to spend, while maximizing what they’re able to make in profit. You don’t have to dump all of your own money into the transaction- the bank can help make it happen. What’s not to love about that?

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #60: Buying for Bargains

In most markets, prices are largely inflexible. Whatever the market value of gold is at a given moment, you’re stuck with it. Same with stocks- if Microsoft’s stocks are trading at 200 dollars, that’s what you’re paying. You can’t really haggle. Real estate, however, is a different story.

It’s not uncommon for properties to be sold for under their market value. This leads to situations of instant equity.

Instant equity is a phenomenon that occurs when you purchase something at a discount. When you purchase a property for less than its market value, you automatically increase your net worth. This is because, if you were to sell or refinance the property later, it would be worth more than you paid for it, and you would gain that difference.

Because of this, properties that provide you with instant equity are a good investment. The equity you have from these properties can provide a financial buffer in case of problems with them. 

So, it seems obvious that buying at a discount is a smart decision. However, you might still be wondering why people choose to sell their properties for less than market value. As it happens there are a multitude of reasons someone might choose to undercharge for what they own. 

They might be experiencing financial difficulties that require that they liquidate their assets sooner rather than later. In that instance, they would be more interested in moving the property quickly and efficiently, rather than for top dollar. Someone might be going through a divorce and needing to sell their house in order to settle the case. It can even be as simple as someone inheriting a property they don’t want, and trying to sell quickly simply to wash their hands of it.

Regardless of the reason, people selling their properties on the cheap is a great opportunity for you as an investor. If you’re able to buy at a discount you’re already better off than you were before. Real estate is a rare example of a market where you can barter, and this can be used to your advantage. For this reason and more, real estate is a great choice for investing.

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #59: Real Estate Gives You the Reins

When you invest in the stock market, you are, in a way, gambling. You’re entrusting your money to the whims of someone else’s company. The stock market is a popular place to invest, but when you invest in it? You don’t really control what happens next. 

If you have shares in a company, sure, you might have the option to vote on things like who gets to be on the board of directors, but ultimately, what the company does is out of your hands. You’re just along for the ride.

Real estate is different. When you invest in a property, you have direct control over your investment. You decide exactly what you invest in, and what to do with it! You get to make decisions like:

  • What type of property you’re investing in
  • Where that property is located
  • What kind of market you’re buying in
  • What kind of financing you use
  • And perhaps most importantly, how the property is maintained or improved!

That last one is a big one. When you invest in real estate, you have a lot of options. You have a very serious and direct influence over the value of the property. You can choose to improve the condition of the property as you see fit, and in that way directly increase the amount of profit you can make from it, either by reselling it or by renting it out.

If you buy a property, you can do things like renovations that tangibly and immediately make it worth more than it was before. If you invest in the stock market, you’re counting on a company to perform well. Maybe it will, maybe it won’t. You don’t get to decide. You don’t have control.

With real estate, you get to make your own decisions as an investor. If a property is underperforming, there are steps you can take to get it in top-notch condition and help it get you the money you want and deserve. 

You want to have control over your financial future, right? Making the right investments is key to that. Investing in real estate means you’re handing yourself the reins of your own life. You get to make the decisions, and you get to take control.

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #58: Are Bonds Really Zero-Risk Investments?

Bonds are often touted as being very low-risk investments. Some would even go so far as to call them risk-free. But is that really the case? All investments come with risks to balance out their rewards, and bonds are no different. Here are a few of the risks you take on when you invest in bonds.

Interest Rate Risks

This is one of the best-known perils of bonds. The relationship between a bond and the interest rates in the market are complicated, but basically, supply and demand are at play in influencing the interest rate on the bond.

A bond you invest in might decline in value if interest rates rise. Yikes!

Inflation Risks

A bond is worth a fixed amount of money. If you invest 10,000 dollars in a bond, when it’s paid back to you, you’ll get 10,000 dollars.
Seems straightforward and risk-free, right? Nope!

You must remember that inflation is a factor in every economy. 10,000 one year is unlikely to have the same purchasing power five years from the date the bond is issued. In that way, there’s a good chance your bond is going to decline in total value, and that means money out of your pocket.

Default Risk

If you invest in bonds for a corporation, and that company goes under? Who knows what you’ll be getting back.
If the bank repossesses the assets of the company you’ve given your money to, well, that’s simply not your money anymore. It’s gone.

Takeaways?

Bonds aren’t the riskiest investment, sure, but they do come with their own set of risks. And that low risk deal that you think you’re getting also tends to come with low value and minimal rewards. 

Bonds aren’t a terrible investment, but they’re not necessarily the best one.

Real estate, on the other hand, is a great investment choice for anyone who wants to see their wealth grow surely and steadily. No matter what happens, if you invest in real estate, you can rest easy knowing that there’s a solid piece of land behind your money.

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #57: Why Cryptocurrency Comes Up Short

Looking for a way to make extra money over time? If you have the means to do so, investing is always a good idea– as long as you’re making smart investments. Making risky investments in cryptocurrencies like Bitcoin can certainly be thrilling, and it’s definitely become somewhat of a fad in recent years; it seems like everyone and their mother has money in some sort of cryptocurrency at the moment. But you should think twice before putting a significant amount of your savings into cryptos, no matter how good of an idea it seems in the moment. That’s because it doesn’t have any tangible backing, among other reasons.

If you’re looking to make a more promising investment, real estate investments could be one great and much safer, more tangible option. If you’re not quite convinced yet, just put down the DogeCoin for a second and let us explain why cryptocurrency comes up short when compared to real estate. 

Cryptocurrency and its risks

Your first question might actually be what, exactly, cryptocurrency is and how the infamous process of investing in it works. Essentially, a cryptocurrency is an electronic currency that does not physically exist, but still holds worth. The value of cryptocurrency goes up and down based on how many people are purchasing it– it’s all about supply and demand. So, if you buy cryptocurrency at a low price, you may be able to sell it for more money once it becomes more valuable. The key word here is may.

One of the risks of cryptocurrency is that it’s extremely volatile. What seems like a good investment one day could be thousands of dollars wasted the next. And while most investments come with the risk of losing your money, cryptocurrency poses another unique risk due to its intangibility. Cryptocurrency isn’t backed up by any physical assets– it’s all electronic. That means it’s susceptible to glitches, errors, and hacking. 

Real estate investment and its benefits

Meanwhile, real estate is one highly tangible asset that offers a much safer investment– it definitely has a physical form to back it up! It’s a whole house! While the fact that property can’t be hacked like cryptocurrency can is a huge plus, real estate investments also offer tons of other benefits: great, steady cash flow, tax breaks and deductions, and steady appreciation in value. It also comes with competitive risk-adjustment returns: over the past 50 years, the average annual return has been about 11%. 

While real estate is a long-term investment, the overall return will be worth the wait. Overall, it offers long-term financial security and a nearly guaranteed great return. This, along with its tangibility, makes it a more secure option by a landslide when compared to cryptocurrencies.

So before you jump on the next big cryptocurrency bandwagon, really think about the risk you’re taking and ask yourself if that money could be better spent on real estate. Sometimes it’s best to play the long game. Happy investing!

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Blog #56: Using a HELOC for Real Estate Investing

If you’re a real estate investor or thinking about becoming one, you’ve probably heard about the benefits of using a home equity line of credit (HELOC) to finance your investments. But did you know that a HELOC can also help you make your mortgage tax deductible? It’s true! In this blog post, we’ll show you how to unlock the secret to a tax-deductible mortgage using a HELOC for real estate investing.

First, let’s talk about how a HELOC works. A HELOC is a line of credit that’s secured by the equity in your home. You can borrow against this line of credit as needed and only pay interest on the amount you borrow. This can be a great way to finance your real estate investments because the interest rates are often lower than traditional loans.

Now, let’s talk about how to make your mortgage tax deductible using a HELOC. The key is to use the borrowed funds from your HELOC to pay off your mortgage, effectively turning your mortgage into a business loan. As a result, the interest you pay on the HELOC becomes tax deductible because it’s now considered a business expense.

But it’s important to note that there are some limitations to this strategy. The IRS has certain rules and requirements that must be met in order to make your mortgage tax deductible. For example, the borrowed funds must be used for business purposes, and you must be able to prove that the HELOC funds were used to pay off your mortgage. It’s also important to consult with a tax professional to ensure that you’re following all the rules and regulations.

So, why should you consider using a HELOC to make your mortgage tax deductible? For starters, it can save you a significant amount of money on your taxes. Additionally, it can free up cash flow that you can use to reinvest in your real estate portfolio. Plus, it’s a relatively simple and straightforward strategy that can have a big impact on your bottom line.

In conclusion, using a HELOC to make your mortgage tax deductible is a powerful tool in the real estate investor’s toolbox. It can save you money, free up cash flow, and help you achieve your investment goals. If you’re interested in learning more about how a HELOC can benefit your real estate investing, we encourage you to reach out and book a call with us. We’d be happy to answer any questions you may have and help you explore your options.

 

About Jacky Fils:

Who am I? I am a Real Estate Investor & Entrepreneur who happens to be a physician. I have chosen this path after understanding very well the in’s & out’s of above-average return on investment (ROI), backed by a solid asset, Real Estate. I have been actively investing in real estate in the western Massachusetts area 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 our investor partners. It is truly a win-win-win way of investing!

Jacky offers his 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 Jacky.

For more information about Jacky and his investment program,
please call 857-800-1237 or visit https://jackyfils.com/

Contact Jacky Fils

Jacky Fils

Professional Real Estate Investor

DISCOVER WHY REAL ESTATE IS AN EXCEPTIONAL WAY TO INVEST (VIDEO)


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