Edward Brown

Is Real Estate Topping Out?

By |2021-08-03T16:21:39-05:00August 3rd, 2021|Featured, Market Trends|0 Comments

Or, is there still room for higher values? During most of 2020, as coronavirus cases heightened, some real estate investors were nervous, believing that after a seven-year run-up in residential real estate values, we were headed for lower prices and possibly even a bubble. Uncertainty is not good for real estate investors. COVID-19 presented lockdowns, [...]

By |2021-08-03T16:21:39-05:00August 3rd, 2021|Featured, Market Trends|0 Comments

UBTI and Mortgage Debt Funds

By |2021-06-08T14:32:23-05:00May 24th, 2021|Featured, Strategy|0 Comments

Make sure you understand the laws and tax consequences surrounding UBTIs. Unrelated Business Taxable Income (UBTI) is income that is regularly generated by a tax-exempt entity by means of taxable activities. This income is not related to the main function of the entity, and it prevents or limits tax-exempt entities from engaging in businesses that [...]

By |2021-06-08T14:32:23-05:00May 24th, 2021|Featured, Strategy|0 Comments

Reverse Mortgages Increase in Popularity

By |2020-12-10T17:27:28-06:00December 10th, 2020|Strategy|0 Comments

Reverse mortgages offer advantages to private lenders who understand how they work, even when not part of lenders’ product offerings. With the coronavirus crisis still looming, conventional loans requiring monthly mortgage payments have been getting a lot of attention. Laws have been passed on both local and national levels to ensure homeowners are not evicted [...]

By |2020-12-10T17:27:28-06:00December 10th, 2020|Strategy|0 Comments

Special Feature: Mortgage Payment Deferment Gotchas

By |2020-08-28T14:13:40-05:00August 28th, 2020|Strategy|0 Comments

How will they affect borrowers in the long run? When Congress passed section 4021 of the CARES Act in response to the effects of COVID-19, the intent was to help borrowers who were having problems making their mortgage payments. Little did Congress realize they were potentially setting up borrowers for trouble in the future when [...]

By |2020-08-28T14:13:40-05:00August 28th, 2020|Strategy|0 Comments

The Cost of Waiting

By |2020-05-12T18:44:18-05:00May 12th, 2020|Strategy|0 Comments

Investors weigh the pros and cons of individual deeds of trust versus funds. Investors choosing to invest in individual deeds of trust instead of a fund have been frustrated over the past year, especially in California. Just after the Great Recession, individual deeds of trust not only were plentiful but also earned a relatively high [...]

By |2020-05-12T18:44:18-05:00May 12th, 2020|Strategy|0 Comments

The Coronavirus and You

By |2021-06-08T13:22:02-05:00March 31st, 2020|Market Trends|0 Comments

How the coronavirus is affecting the private lending sector  With the world reacting to the effects of the fast-spreading coronavirus, health officials and economists alike are looking to history to help predict both its advance and its lasting impacts. Nothing recent—like H1N1, SARS, Ebola or the seasonal flu—have proven accurate or particularly helpful models.   Instead, scientists and the media are increasingly making comparisons [...]

By |2021-06-08T13:22:02-05:00March 31st, 2020|Market Trends|0 Comments

The Advantages of the Debt Yield Ratio

By |2020-03-16T20:19:02-05:00March 16th, 2020|Strategy|0 Comments

Banks are moving away from DSCR, and private lenders should consider doing so too. For many years, banks have used the Debt Service Coverage Ratio (DSCR) to assess risk regarding a borrower’s ability to make mortgage payments after subtracting normal expenses from income. This ratio is crucial to determining a borrower’s ability to repay a [...]

By |2020-03-16T20:19:02-05:00March 16th, 2020|Strategy|0 Comments

Investing in Individual Deeds of Trust vs. Funds

By |2020-02-05T16:18:50-06:00February 4th, 2020|Strategy|0 Comments

Investors must consider regulations, liquidity, taxes and other factors that impact the rate of return. Options for investors clamoring  for yields often include investing  in individual assets. Those assets might be dividend-paying stocks, bonds, alternative assets such as  mortgages and so on. But there’s another option: investing in pooled  funds such as income mutual funds, [...]

By |2020-02-05T16:18:50-06:00February 4th, 2020|Strategy|0 Comments

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