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Increase Your Investment Portfolio With Creative Financing

Sep 5, 2008
If you live in Australia, particularly Victoria, perhaps you have noticed the investment boom around you. Perhaps you live on another continent but have overheard discussions of the housing boom and property investment opportunities. Either way you likely want to cash in on the deal while it's still growing, otherwise you wouldn't be here reading this article.

If you are serious about cashing in on the property investment boom and quickly, then you are likely looking for creative ways to invest in multiple properties. Perhaps you know a few. However, by utilising multiple sources you can go from investing in two properties to having an investment portfolio of 20 or more properties. How?

Creative Financing

There are three things you need to know in order to get started. If you really want to be a successful property investor and increase your portfolio you need to be educated on the many different financing techniques available to you. You need to know what these techniques are and have a few examples explained to you. Then you need to know how to find the right independent financial investor who can provide tailored service and advice.

In order to be successful in property investment and increase your portfolio significantly, creative financing techniques need to be used. Creative financing is a term used by real-estate investors and it refers to non-traditional real-estate financing techniques. These techniques are not commonly used.

The idea behind using these creative financing techniques is to help you buy property even when you don't have the necessary capital to do so - or simply do not wish to use your own money. This sort of financing is called leveraging and involves using other people's money to buy property.

Some Creative Financing Techniques:

Simultaneous Closing: This allows the home seller owner financing without actually having to obtain a mortgage. On the closing day the property title is transferred to the new buyer and simultaneously the owner financed mortgage is sold to a note investor for cash.

Subject-To: This method entails the buyer getting the title to the property in question without having to get a note at all. The seller keeps all of the current financing in place - meaning that the buyer needn't pay for any transaction or loan fees. This process is similar to assuming a loan, but be aware that if this is done without the knowledge and consent of the lender it can violate the terms of the loan.

There are other creative financing techniques available, including - land trusts, private mortgages, hard money loans, owner carry back, seller seconds, credit partners, retirement accounts, 1031 exchanges and many more.

Using an independent financial advisor can help you to get the right specialised investment advice.

They can asses your borrowing capacity.

An advisor will be well versed in lender guidelines.

They will have ideas to determine which lender will view your request favourably.

They can save you a lot of time by doing the research for you.

They will investigate the available options and help you to find the best one for you.

Provide a range of products and resources you may not be aware of.

They can streamline the loan process for you.

Look after your best interests and help you to avoid lending pitfalls.

Assist you in many ways, even after the loan process is complete.

These advisors offer personalised service.

They can show you techniques which will save you a lot of money in the long run.

By utilising an independent financial advisor you can usually have access to special services or insider secrets which lending companies can withhold from you. These techniques can enable you to creatively find financing that can aid you in procuring properties and increasing your portfolio.

So if you really want to capitalise on the property investment boom in Australia and you need to know how you could finance your investments, consulting a financial advisor and searching out creative investment ideas will aid you in increasing your investments . Just imagine, you can go from owning just 2 properties to owning up to 20 or more inside of 2 to 5 years.
About the Author
Author: James L. Hardcastle reveals hidden tricks about buying multiple Australian properties on the homepage where he explains valuable information regarding property investing in Australia.
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