So You Thought You Had to Itemize Your #Tax  #Deductions? Generally speaking, we at #ITPN  woul…: So You Thoug… http://bit.ly/1lDvBWL 

So You Thought You Had to Itemize Your bit.ly/1lDvBWL

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Having Some Faith in the Home Renting Market for 2016

Rentals may be the way to go in today’s market! The housing market’s declining, it seems, and apartment expansion and home rentals are skyrocketing through the roof! Such is the state of the real estate investment market for 2016.

Baby Boomers Galore! 

  
The baby boomers are getting older, and the majority of them are currently downsizing due to the immediate financial and physical accommodations of home renting. With many of them already enjoying retirement, having a mortgage over their head and a home with 5 bedrooms and 3 bathrooms really isn’t necessary for them anymore. An uptown waterfront condo with a maid and someone to cut the grass is more the style of comfort that is appealing to these thriving baby boomers.

Millennials Amuck!

The young adults that should be buying homes are just not capable enough, apparently, what with the poor employment market and looming student debt climbing to ungodly heights. Millennials are more comfortable renting than adding more debt to their already strained financial situations. Renting is really the most accommodating route for young people in today’s world. Plus with most millennials still not married and without children, there is no reason for them to have a cap code on a cul-de-sac when they can enjoy a trendy loft by the local pub.

Sounds Convincing, Right?


You do, however, have to understand one thing about the real estate market, whether it’s about home selling, home buying, or home investing. It’s a fickle beast. And the appetite can change in a blink. So the important thing to remember is this — keep your eyes opened.

Something We Don’t Discuss Often: Credit Repair

We definitely should, though. No doubt. Because when it comes to rent-to-own, credit repair’s essential, and it turns out that the BBB A-rated HOPE Program sees the writing on the wall — despite already doing well for customers in credit repair thanks to Lexington Law — and recently reported of their own review of yet another credit repair service out there recently launched.

The Name of the New Credit Repair Division Is INDEPENDENT CREDIT SOLUTIONS

And the department over there is now in full swing to start assisting customers nationwide as this press release credit repair swampstates. Sure, it’s all well and good, and we love a good credit score. Without a doubt, homeowners love those shining credit reports, too. But more importantly, the best part of Independent Credit Solutions is the fact that they’re focusing on the one element essential to the success of anyone prospecting for rent-to-own options. It’s all about credit repair.

You’ll need a 640 score, basically. No ifs, ands or buts. Anything lower, and you might be treading through mud during your trek across the swamp of the real estate market, and that’s no fun for those socks and boots you’re wearing. It’s a dangerous jungle out there; you’ll hear that from even your favorite rent-to-own consultant, but what can make it better for you is a pristine credit score brought about by one of the best credit repair service you could ever have recommended by the H.O.P.E. Program.

Take Advantage of It Right Now. Immediately. Your Credit Score Demands It.

We can’t legitimately review such a site as this, though, as this has literally nothing to do with rent-to-own. But what we can do is discuss it. Right here. Right now. Credit repair’s important. You can have all the services in the world, but if you don’t take that first step and follow through with repairing your credit right now by enrolling here, you might be up a creek and lost in the wilderness.

And that’s no place to be right now in today’s real estate industry.

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4 Top Retweets for Mortgage Industry Developments

The mortgage landscape changes almost on a daily basis, people! And you don’t always have a newspaper on hand, nor can you haul a television with you everywhere you go. What do you need? You just need a Twitter update to get the goods on mortgage industry developments — because, since you’re here on the RTO Consultants website looking for help in finding the right rent-to-own home, you’re obviously interested in what’s going on with the real estate market and industry.

But Why Twitter? How Can Twitter Provide the Inside Look at Mortgage Industry Developments for Today?

It just so happens that we have some relevant retweets on what’s been happening in the news for mortgage industry developments, and the keyword is this — retweet. That means the news are circulating the Twittersphere, and not just anybody’s passing the information on. The very best real estate professionals today are doing it. They’re tweeting, retweeting and “favoriting” literally every day. That should tell you something.

But don’t take our word for it; check out these retweets on mortgage industry developments right now:

And That’s Only the Start When It Comes to Social Media Excellence in Real Estate

Twitter’s chock full of information from all the key real estate players you can expect, so it makes sense especially if you’re in the market for an RTO home. Want to know what’s trending? You get on Twitter. Get on the entirety that is social media, in fact. You can do it on your tablet or phone while riding a train or sitting at the park, too.

Take advantage of the technology. Because one thing’s for sure — you’ll be ahead of the game in terms of finding the best deals, the best properties, and the best people to work with for an industry that requires the most collaboration. Social media does it best.

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The Current State of the RTO Home Industry: a Continuing Trend

Read about any of the reviews regarding the Ultimate Rent-to-Own Home Program, this list of rent-to-own homes, and an aggregate system for RTO properties, and you’ll know right away: the RTO home industry is still as popular as ever….

The News in Today’s RTO Home Industry Might Surprise You, Though: Wall Street’s Getting in on the Action

You heard correctly: even high-profile firms are seeing the value in the RTO home industry. Rent-to-own makes more than the mark. It’s seeking to revolutionize the housing market regarding credit repair thanks to recent developments on one of the most prolific rent-to-own companies — aside from the prestigious organization the H.O.P.E. Program — a “little” corporation known as the Home Partners of America (HPA).

But before we get to the goods on what’s going on in this RTO home industry with respect to the HPA, let’s understand exactly what rent-to-own is all about:rto home industry-1

What Is Rent-to-Own? And Why Would You Want This Option?

Forget the negativity of an option that is rent-to-own and realize that there’s a direct benefit not just for the homeowner, but the home buyer here. All sorts of rent-to-own programs existed through small operators became the rage back in the ’90s as a way to provide an alternative to consumers who may not have a whole lot of cash saved up for a sizable down payment on a mortgage. Understandable. However, almost as quickly as the RTO home industry started seeing some gains, the trend declined due to easy lending choices with no money down — which, as you know, most definitely contributed to the unfortunate housing crash in 2008!

Essentially, the RTO home industry was all about negotiating a deal between the homeowner and the potential home buyer to rent the home for a specific length of time with an option to buy later down the road as credit improves and the home renter saves up enough money for a possible down payment. Sounds good, obviously, but there were cons to the RTO home industry, such as a higher rent and purchase price the longer they rent vs. the fact that those potential home buyers get to lock in that home at a price (which could be a negative, too) and try out the home and neighborhood to see if it’s a great fit for the individual or family. In a sense, the RTO home industry provided something rarely seen in the housing market: flexibility.

rto home industry-2Enter: the Home Partners of America

Given the fact that lenders nowadays are setting the bar so high, what with credit scores being the make-or-break deal in securing that mortgage loan, it’s now a sure thing: the RTO home industry’s rising again, and for good reason. The HPA sought to target this market that hadn’t seen any development for years since the crash, and it looks as if they’ve nailed a chance to stimulate the industry and get people into homes without issues of foreclosure or decline.

This is how the HPA operates — you’ve got a consumer looking for a home (obviously, a rent-to-own home) and collaborates with a real estate agent. Of course, the HPA has literally an empire of approved communities in suburban locations with solid school systems for families; additionally, prrices range from $100K to $725K, so you’re looking at an RTO home industry that blankets the entire range of possibilities for home buying.

What happens, of course, is the HPA then actually purchases the home from the seller, leasing that home to the prospective consumer. The deal is the consumer becomes a home renter with the actual right to purchase the home after a set period of time. There is an expectation that the home renter has to work on repairing credit for approval of a home loan as well as saving for that down payment, but here’s the catch: the longer that home renter is renting on the property, the more they may have to pay just to buy the house. Interesting trade-off. But with the right rent-to-own resources, and education on the RTO home industry, while it may benefit the homeowner, you’re looking at a great option for the home buyer!

Are There Any Examples We Can See on the RTO Home Industry Right Now?

If you were to go on the HPA website, you might see a home shown at a listing price of $449,975 in Chula Vista, CA, with the option for a potential home buyer to purchase at a price of $472,035 just after one year. Now after five years of renting, the home buyer would be looking at a $573,762 purchase price — a 28% markup from the original listing.

Sounds bad, yes — but when you’re informed of the stipulations beforehand and you know what to expect, without rto home industry-3even worrying about whether or not a bank will approve a home loan for you — for many families out there, that’s a great deal! Security. Insurance. Assurance. Those are now the main assets in this housing market, thanks to the RTO home industry.

How Does That Compare to Home Renting and Mortgage Payment Averages, Though?

Given the rising prices in our market at the moment, it’s not far off the apple tree — but make no mistake as those potential home buyers will be paying a premium due to a rent-to-own. Your typical 30-year conventional mortgage for the exact same listing in the example would go for just $1.8K. Now with an average single-family rental payment of $2.270K/month in San Diego, this is what the prospective homeowner’s paying extra for — the lock-in for buying that home without any chance of it falling through. Something many people see in the real estate market, for good reason (we, after all, don’t want to see another housing crash, right?).

A sparkling credit score, and a good down payment: that’s typically what we end up seeing in a traditional mortgage, something that doesn’t always work out for the average consumer. So, naturally, a chance to repair credit while living in the home, plus potentially getting the loan at the lease option to buy with zero down, just might be worth the extra price in rent, don’t you think? And here’s an even better benefit for that home renter: the tenant isn’t required to buy!

Interest in the RTO Home Industry Is Still Steadily Growing….

The HPA isn’t the only organization seeing a profit in the RTO home industry. Home LPC in NYC and Premium Point Investments have also thrown their financial hats in to see if there’s a profit to make in buying these properties and renting them out with a lease option to buy. More and more homes are being bought out for the purpose of rent-to-own; and due to the flexibility not only for the seller/company as well as the renter/buyer, it’s quite hard to see any disadvantage.

You just have to remember one important point when it comes to the RTO home industry — you need to know where to look, what to do, how to do it, and someone to help you do it all the way through. Something that may actually come a little easier for a prospective homeowner than saving a ton of money for a down payment and getting that mortgage approval….

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Top 6 Real Estate Pinterest Profiles and Boards for 2016

It’s a fact that we’re a visual species. The most information approaches us by what we see, first and foremost. Even as we read information, we’re seeing that information and understanding it, which is why Pinterest and other social media platforms make such a major impact on many industries as far as marketing and advertising goes. But what about real estate? Can Pinterest make an impact there? The answer is YES after taking a good look at these real estate Pinterest profiles and boards.

The Key Is Convenience and Availability for These Real Estate Pinterest Profiles

Think of open houses, for example: we can see the rooms in real time. That defines how houses are sold, bought and owned when you think about it. So great profiles and boards for the real estate Pinterest mentality will have not only great information and some word-of-mouth advertising to go with it, but imagery. And Google+ can certainly agree with that, listing the exact same profiles right here!

Agents will do well to take advantage of Pinterest, but if you’re interested in working with a professional real estate pinterestin the business, it’s a fair shake that you’ll get some great information, know-how and direction from these top 6 real estate Pinterest profiles and boards of 2016:

Right Here, You Have All the Real Estate Info You Could Ever Possibly Need

Well, besides The Complete Real Estate Site, of course. Check these professionals out, and any offer you find, such as this one right here — it’s a safe bet that you’ll be on the right track in terms of assistance. Whether you’re buying, selling, renting or investing!

7 of the Greatest Gurus in the Real Estate Industry

What makes a guru in the real estate industry? Setting trends? Making deals? Breaking the mold? Innovating? All of the above? Are we focusing on residential, commercial, rent-to-own, or the mortgage market? Anything involving real estate law, perhaps? Who are the real professionals of today in the real estate industry? Here’s where you’ll find out:

There Are Seven Total, and Each Represent a Major Factor in the Real Estate Industry

You just might know of one of these. Perhaps more. What’s more important is that you know about all of them, because when it comes to the real estate industry, there are plenty of facets to this real estate industry — you need to know about home renting, rent-to-own programs, mortgage trends, social media, Twitter, and even real estate technology. Here are the kings in the game for the real estate industry, starting with….real estate industry shoes

Surprisingly, Though…. We Don’t See Donald Trump on This List!

That’s obvious, though: the “Donald” is too busy campaigning for his presidential candidacy! Let him work. Till then, why don’t you learn more about these trendsetters and innovators keeping our real estate industry as healthy as possible — they’re the wizards behind the curtain like Oz. And you know there’s no place like home (remember to click the shoes).

Want a Comprehensive Guide to Home Renting Resources?

Who would say ‘no’? Perhaps someone who’s still in high school, or your next door neighbor’s toddler. Needless to say, we’ve already gone into plenty of detail regarding home renting resources thanks to the likes of this rent-to-own reviews site and the comprehensive listing of Assisting Renters, but in all honesty — how badly would you need any home renting resources anyway? After all, you might be fresh out of college, living with the frat or sorority; perhaps you’re still enjoying the lava lights and the spectacle of the college life, not even realizing that the real life with the responsibilities, credit cards, finances, bills, and other headaches might start rearing their ugly heads as you ponder on how to tackle the obstacles and make it as a full-fledged adult….

You Are Going to Need Those Home Renting Resources…. Aren’t You?home renting resources jungle

It’s the birth of responsibility. The age of living with the mistakes of your life, but you don’t want the most heinous of consequences forcing you to take those two steps backward and constantly get off on the wrong foot. Resources — home renting resources, to be exact — are a must for anyone venturing into the open wild of this jungle about mortgages, finances, taxes, landlord-tenant law, renter’s insurance, and employment issues. You need all the help you can get —

Picture this…. You just got your degree. Tassle’s flipped to the other side, and the audience applauds as you take your first steps out of the college life and into the responsible life. You’re feeling like an Avenger, so to speak. Captain America, maybe. The American Dream. You did it. You’re on your way. The feeling’s euphoric.

home renting resources Captain AmericaHere’s the thing, though: you don’t have the college resources anymore. No more dorm. No more frat house. No more meal tickets. And you’re most likely saddled with a student loan that you will absolutely have to pay back at some point. Shouldn’t be a problem, though; after all, you’ve got your shiny degree and the chances of getting a job without a problem, and you can’t even imagine ever having an issue finding a house, or a mortgage, or maybe a nifty bachelor pad apartment, because you can easily pull out of some crevice the likes of a water bed, or a canopy, to spruce up your abode and make yourself the cream of the crop, heading toward a potential relationship and possibly marriage. Smooth sailing. No problem.

You’ll Find That the Job Market’s a Bit Tough, Actually….

It may take a few months before you find that dream job applying to your degree. You might have to work as a waiter/waitress. Perhaps in fast food. Maybe you’ll tend bars. But then the real estate market’s not that easy to navigate — looking for the right apartment or home can be tough without the best home renting resources. Maybe you’re not getting enough income to successfully provide for your needs in….

  • Technology Innovations to Make Life Easierhome renting resources contract
  • A Computer to Streamline Your Daily Routines
  • Internet Connectivity to Help You Look for the Right Job
  • Virus Protection to Protect All of Your Assets and Credit
  • Boosting your Credit Score by Obtaining the Right Credit Accounts
  • Affordable Legal Care Whenever Bad Things Happen….
  • Like Getting Traffic Tickets, Facing Discrimination….
  • Landlord Disputes and Insurance Coverage Problems….
  • Employment Obstacles and Healthcare Costs….

We hate to say it…. But the list can go on. And on. And on. Like we said: it’s a jungle out there. And you need those home renting resources.

You’ve Got to Start Somewhere: Renting

Consider yourself lucky if you do land that mortgage for a new, or even a previously owned, home. The real estate market’s not kind at times. It’s often cutthroat, and you’ll find that out immediately. Many start off with home renting for obvious reasons —

  • It’s Convenient
  • Many of Your Costs Are Factored In
  • You Don’t Need That Much Space
  • You Might Not Have Much of a Credit Score, Yet, for a Home Mortgage

home renting resources Assisting RentersThe obvious goal, though, of any home renter is a home mortgage — or even a rent-to-own, but you have to get to that point first without falling flat on your face and damaging your credit further with mishap after mess-up, which will make it that much tougher for you to get lender approval.

Home renting is preparation for home owningPlain and simple.

Assisting Renters Is Your Premier Source of Home Renting Resources

So let’s ask you this one important question — facing all of these obstacles in the beginning of your life, wouldn’t it make sense to have some kind of membership, a free membership, giving you access to all sorts of home renting resources available to get you to that ultimate goal? You can get resources like….

….And much, much more.

Just Visit Assisting Renters: You May Already Be Enrolled!

We wouldn’t be surprised after everything we’ve heard about such a central hub for home renting resources, from here, and here, and here. Everywhere. Because while we tout so much about all the RTO and home mortgage programs alike, and the real estate investment strategies, the truth about real estate is this —

You’ve got to start somewhere. Start with Assisting Renters. And most of the time home renting’s your best foot forward, especially given the market looking good for that particular demographic. So why not get your best foot forward with the best home renting resources out there right now?

Check them out at RTO Reviews for more info about what they can do for you right now.

4 Top Profile Tweets on Real Estate From @Starwise

We’re really starting to get into this Twitter language with the “at” symbols and hashtags. Thankfully, we here at the Complete Real Estate Site see the need to modify the English language a bit given the influence of Twitter on the real estate market. In particular, it seems that this one real estate guru by the catchy name of @Starwise (alias: Pierre Roustan) has a certain affection for the content we’ve delivered in the real estate market, and it shows with the amount of visibility and interest among the social media community.

In Other Words: We Apparently Know What We’re Talking About at the Complete Real Estate Site

Research, research, research. We want to constantly be in the know about the content out there, and we also wanted to backtrack and see how content’s circulating in cyberspace. So what did we do? We gathered the top four tweets regarding everything from home selling to home buying in real estate twitterreal estate. Check it out right here:

 

The Metrics Hear Show Incredible Traction on the Valuable Content

And for good reason: what you learn here is all due to social media, a vehicle for selling homes that’s unprecedented. Likewise, other platforms out there make their stamp in real estate, like Pinterest, YouTube, Facebook, and even blogging! Undoubtedly, the BBB A-rated HOPE Program utilizes it tremendously as well through their Google+ page, and even home renters and rent-to-own enthusiasts recognize that without social media, the market’s dead in the water as many scramble to even find the listings out there that are like golden nuggets. Face it: real estate benefits completely from social media….

But just in case you wished for even more of that insider’s look on a real estate industry that could change at any moment, you can rest assured: here’s where you’ll find it, right here at the Complete Real Estate Site.

The Rise of the Live Video Feed for the Real Estate Market

When you think about it, it makes perfect sense: people want to actually see the properties in real time. So why not live video feeds? Until recently this past year, two innovative apps — Periscope, and Meerkat — saw the gargantuan launch of the new technology hit cyberspace like a ton of bricks with promise, and the real estate market’s left with a new creative resource for all home buyers, home sellers, home renters and home investors alike, something that even the BBB A-rated HOPE Program would endorse fully as any learning advantage to any real estate market guru, aficionado and active player in the game, right?

But Here’s the Thing: Which App is Better for the Real Estate Market?

Tough call, especially since we’re only beginning to grasp the technology. The point of Periscope and Meerkat is the fact that social media selling homes turns more instant than it already is, as sweet as it is for the home selling industry, synchronized with cyberspace and linking with those prospects immediately.

Don’t get us wrong, though: YouTube’s still a major game player in the biz, and Facebook rules the lead generation airwaves without a problem. But when you’ve got the likes of Twitter spreading the visibility and word of open houses, showings, and all of that for the real estate market as well as Pinterest and even Instagram, let’s just make this one thing clear — it dovetails quite nicely with live video feed services like Periscope and Meerkat. A nice complement. An enhancement, if you will. Which one, however, is the better investment?

Up, Periscope, and Let’s See What We Can Seereal estate market Periscope

You can check out a basic review of the benefit that is the Twitter-owned app Periscope right here, but specifically, this is what you need to know about the app that could arguable take over the industry in a big way for the real estate market — Periscope has a ton of momentum, and a following, right now. The team behind Periscope with the fan base and the marketing they’ve launched has made the app the rage, and you can actually see that on Twitter yourself. People everywhere are talking about Periscope for the real estate market in droves.

This is largely due to the seamless integration with Twitter — and already beefed up advantage in the real estate market all by itself — with a superior default feed viewer and rebroadcast ability. The flexibility. the ease of use. You can’t beat Periscope in that manner.

real estate market meerkatMeerkat, However, Has One Advantage Periscope Doesn’t Have

As far as we can tell, Meerkat offers one feature that Periscope currently doesn’t possess: scheduling. With Meerkat, you can schedule your broadcasts before recording, gaining viewership and enhancing the word-of-mouth advertising aspect of the real estate market. This allows for planning and implementation through social media in a big way; additionally, prospective viewers will get those notifications that a live stream will occur at a [insert time/date], maximizing chances of the stream making a bit hit in the real estate market. You get the picture? Learn more about Meerkat right here.

Still, Meerkat isn’t as seamless and intuitive as Periscope, but it does the job well regardless; so it then begs the question:

What’s the Verdict? Which One Should WE Use?

Again, tough call, but we’ve got it right here — both. Test them. Experiment with them. As with anything social media — whether it’s Facebook, LinkedIn, Pinterest, WordPress and Blogger, or anything else: immerse yourself in as many social media platforms as possible, because you’ll have Meerkat users out there, and you’ll have Periscope users as well. Why not take advantage of both platforms?

This is largely due to the fact that there currently isn’t really any market leader at this point. We can venture to say that Periscope just might have the lead, but the fact is this — there’s enough share space here for both to really play a role in this real estate market. Perhaps if Periscope updates and configures its broadcast options and continues to grow, it just might overwhelm Meerkat and leave the older application behind in the dust, but only time will tell.

Until then, reap the benefits — whether you’re considering a rent-to-own home, or investing in million dollars in real estate. Start streaming today! And you’ll benefit either way.