FCTD Blog

Current updates on the real estate market, private money, hard money, and trust deed investing.

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Rental Property Loans

Should You Sell or Rent? Long-Term vs. Short-Term Real Estate Investments

Real estate investors have two options when it comes to property: sell or rent. Selling is a short-term investment strategy, while renting is a long-term investment strategy. Ultimately, to make the decision, several factors are at play. Each option has the opportunity to make a nice return for you, but in some markets and locations, one may be more advantageous than the other.

Picture of Ted Spradlin Ted Spradlin Aug 6, 2019 1:56:41 AM

Do You Have the Characteristics of a Great Real Estate Investor?

According to Richard Branson, “Luck is what happens when preparation meets opportunity.” In other words, if you’re going to become a successful real estate investor; start preparing now and when you find that perfect house, the mythical creature that is “Luck” will arise.

Picture of Ted Spradlin Ted Spradlin May 29, 2019 1:23:25 AM

5 West Coast Cities with Opportunities for Investors

In looking at the cities with the most growth, it’s basically looking at where the country wants to live. Many people are flocking to west coast cities, finding them to have stable employment, lots of amenities, good schools, and a housing market that still affords the middle class a chance at homeownership. With the growth in these cities, it’s a good time for investors to consider buying properties there with the opportunity to either have rental income or to flip and resale.

Picture of Ted Spradlin Ted Spradlin Apr 24, 2019 2:04:04 AM

The Difference Between Commercial & Residential Mortgages

When it comes to commercial and residential mortgages, they have one similarity: they involve property. For the most part, that’s where their similarities end. If you’re new to taking out a commercial mortgage, you’ll probably soon discover that there are some significant differences, especially if you’re more familiar with the residential market. Here are some of them:

Picture of Ted Spradlin Ted Spradlin Apr 10, 2019 5:21:57 AM

The Best West Coast Cities for Real Estate Investing

As you know, the real estate market is looking strong throughout the country. Prices have somewhat moderated and new cities are becoming very attractive for real estate investment. However, not every market is created equally; some, like the West Coast, are more appealing than others. Let’s look at some of those cities and what makes them the places for the best return on investment (ROI).

Picture of Ted Spradlin Ted Spradlin Apr 3, 2019 1:57:37 AM

Non-Qualified Mortgages 101

Following the biggest economic crisis of the 21st century, federal and state regulators tightened the laws around mortgage lending. In response to a crash that largely due to activities in subprime lending, the government introduced the Ability to Repay rule. In short, this rule sets strict criteria outlining who is likely to repay a mortgage successfully. Those individuals then qualify for a loan called a qualified mortgage (QM).

Picture of Ted Spradlin Ted Spradlin Dec 12, 2018 1:04:45 AM

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