Real estate investing can take many forms.  If you work 50-plus hours a week, you likely don’t want to spend your spare time searching for, selecting, negotiating, financing and managing real estate properties.  Here’s a simple investment guide to real estate profits, how to invest without the hassles.  Or, you might say, how to speculate the easy way.Picture April of 2009, and you are willing to bet that real estate prices are low and will not go much lower.  This basic investment guide will show you how to invest and get in on the action, with little time or effort required, whenever you think you see opportunity in real estate.First, if you don’t have a brokerage account, open one with a major discount stock brokerage firm.  Then, after you have deposited some money, you are ready for action.  You will be buying shares of stock in real estate ETFs.  These are simply index funds whose stock price tracks the stocks of companies in the commercial real estate business.One of the greatest advantages of real estate investing is financial leverage.  For example, some folks buy real estate properties putting very little money down.  They borrow heavily.  With ETFs you can get financial leverage without personally borrowing anything.When you invest (or speculate) in these ETFs that trade like any other stock, you simply buy and sell on your computer or over the phone in your brokerage account.  A transaction can cost as little as $10.  That’s your total cost to buy or sell this real estate investment.Here’s an example of how to invest, how it works.  If you want to be a bit cautious, you could buy shares in a real estate ETF with the stock symbol (IYR).  It does not employ financial leverage.  In late 2007-early 2008 it sold for $70 a share.  In March of 2009 it could be bought for $25.If you want more action you could go with a real estate ETF with the symbol (URE), which employs leverage.  In late 2007-early 2008 it also sold for about $70 a share.  In March of 2009, a bit over a year later, it sold for $2.50.  Leverage works both ways, to magnify losses as well as gains.  Let’s talk about URE, which I personally bought at $4.25, $2.65, and $1.85.URE gave investors plenty of action.  Those who paid $70 for it had lost their shirt a little over a year later.  The upside potential could be a rocket ride, if the markets and real estate prices turn around.  In terms of how to invest, it works like this…If you buy 1000 shares at $2, it will cost about $10 in commissions to make the simple transaction.  You will have $2000 invested.  If URE were to go back to $70, you could sell at a cost of about $10, and you would then have $70,000.  Of course, you can sell anytime, at any price.Are there any guarantees that you will make money?  This simple investor guide wants to make one thing crystal clear.  When you invest or speculate, forget about profit guarantees, unless the government backs up the investment.
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Your worst business nightmare has just come true – you got the order and contract! Now what though? How can Canadian business survive financing adversity when your firm is unable to traditionally finance large new orders and ongoing growth?

The answer is P O factoring and the ability to access inventory financing lenders when you need them! Let’s look at real world examples of how our clients achieve business financing success, getting the type of financing need to acquire new orders and the products to fulfill them.

Here’s your best solution – call your banker and let him know you need immediate bulge financing that quadruples your current financing requirements, because you have to satisfy new large orders. Ok… we’ll give you time to pick yourself up off the chair and stop laughing.

Seriously though…we all know that the majority of small and medium sized corporations in Canada can’t access the business credit they need to solve the dilemma of acquiring and financing inventory to fulfill customer demand.

So is all lost – definitely not. You can access purchase order financing through independent finance firms in Canada – you just need to get some assistance in navigating the minefield of whom, how, where, and when.

Large new orders challenge your ability to satisfy them based on how your company is financed. That’s why P O factoring is a probably solution. It’s a transaction solution that can be one time or ongoing, allowing you to finance purchase orders for large or sudden sales opportunities. Funds are used to finance the cost of buying or manufacturing inventory until you can generate product and invoice your clients.

Are inventory financing lenders the perfect solution for every firm. No financing ever is, but more often than not it will get you the cash flow and working capital you need.

P O factoring is a very stand alone and defined process. Let’s examine how it works and how you can take advantage of it.

The key aspects of such a financing are a clean defined purchase order from your customer who must be a credit worthy type customer. P O Factoring can be done with your Canadian customers, U.S. customers, or foreign customers.

PO financing has your supplier being paid in advance for the product you need. The inventory and receivable that comes out of that transaction are collateralized by the finance firm. When your invoice is generated the invoice is financed, thereby clearing the transaction. So you have essentially had your inventory paid for, billed your product, and when your customer pays, the transaction is closed.

P O factoring and inventory financing in Canada is a more expensive form of financing. You need to demonstrate that you have solid gross margins that will absorb an additional 2-3% per month of financing cost. If your cost structure allows you to do that and you have good marketable product and good orders you’re a perfect candidate for p o factoring from inventory financing lenders in Canada.

Don’t want to navigate that maze by yourself? Speak to a trusted, credible and experienced Canadian business financing advisor who can ensure you maximize the benefits of this growing and more popular business credit financing model.

These days, with the overabundance of existing homes already on the market for more than 90 days, conventional methods are simply not working like they used to. Add into the mix the ridiculous numbers of foreclosed homes and you wind up with a stagnant housing market. Even with sterling credit, you will jump through hoops trying to get financing to purchase a home and still wind up unapproved. The solution many are turning to is purchasing owner financing homes. This is one area that could use a change, as the average fair market value for a home today is over one million, but even with being listed at half that value, are still not selling.

You have to look for those that are listed as home for sale owner financing, or for sale by owner, in the local newspapers and websites. This is the best way to find owner financing homes. If you talk to a real estate agent, they may not know of any, and just approaching a seller to ask if they can finance the sale for you will probably not work out. That said, before you start your search, it may be a good idea to learn how it works, and the benefits that comes with owner financing.

What is Owner Financing?

Whenever a home for sale carries that added term “owner financing”, it means that the purchase price, minus the down payment, will be part of a financial contract that exists solely between the seller and the buyer. The buyer negotiates with the seller a purchase contract that is binding, and allows for a payment plan over time that is put towards the final purchase of the home.

Just like bank loans, the seller and buyer agree to an acceptable interest rate, monthly payment amount, and term of loan. In most cases, these are also called rent to own, with option to buy deals, where a portion of the monthly rent is put towards either the purchase price or the down payment, depending upon the buyer and seller’s financial position. A security instrument will be created, listing all details of the sale agreement, and will be filed with the court as would any other real estate transaction, for the protection of both parties.

Types of Owner Financing

In the case of owner financing homes, the seller will often carry the mortgage for the entire purchase price, less the down payment. This is known as an all-inclusive mortgage. When a buyer cannot get a mortgage loan on their own, this is often the best way for them to purchase a home, and the resulting loan is often in the seller’s name, rather than the buyer’s. All payments are made to the seller, who then uses them to repay the loan.

Lease purchase agreements are another way to handle this kind of real estate sale. This means that the seller is giving the buyer an equitable title, and is leasing the property to the buyer. The negotiated lease payments or a portion of each payment is put towards the purchase price, less interest, until the balance is paid, and the buyer receives full and clear title to the property.

Benefits of Owner Financing

For the buyer, there are obvious benefits to this kind of purchase agreement, especially if their credit rating is not the best. The loan can also be tailored through negotiating with the seller to an affordable and reasonable monthly payment, down payment and interest rate that you know you can afford. You also get possession of the property faster, and you probably will not have to pay any extra fees or closing costs.

For the seller, the owner financing homes program means that you will be able to command the full market price for your home, and you will not have to pay the full taxes on the sale that year. With an installment plan in place, you only have to pay taxes on the income from that sale collected that year, not the full amount all at once. You can offer the buyer a lower interest rate than any lender, making the sale even more attractive and it will most likely spend less time on the market than it would through an agency.