Alternative Investments: 8 New Ways to Grow Your Wealth

Are you looking to grow your wealth in new and innovative ways? If so, alternative investments may be the solution for you.

Alternative investments can include a wide range of options, such as fractional investing, venture capital, and more. By diversifying your portfolio with alternative investments, you can help reduce your risk while also increasing your potential for earnings.

So, if you’re ready to explore some new investment opportunities, read on for more details. Not only are these investments rising in popularity and becoming part of the average investor’s portfolio, but you may be surprised at just how beneficial they can be!

8 ALTERNATIVE INVESTMENTS

fractional investing

Fractional investing is a relatively new investment opportunity that allows you to invest in assets such as real estate, art, and wine. With fractional investing, you don’t have to purchase an entire asset – you can buy a small slice of it instead.

This makes it a more affordable option for investors, and it also allows you to diversify your portfolio more easily.

Fractional investing is a great way to get started in the alternative investment market because it allows you to invest in assets that you wouldn’t normally be able to afford.

This can be a great option for people who are new to investing and want to get their feet wet.

Remember, several different platforms offer fractional investing, so be sure to do your research before choosing one.

Invest in Success

We’re honoured to carry on the tradition of performance as stewards of the historic Karma Candy Building at 356 Emerald St. N. in Hamilton, and we’re excited to invite you to join us as co-owners of this property through BuyProperly.

Learn More

venture capital

Venture capital is an alternative investment that involves investing in early-stage companies. This can be high-risk, but it also has the potential for high returns. This investment is great for people who are willing to take on a little more risk to potentially earn a higher return, and for anyone that loves being a part of new and innovative ideas.

If you’re interested in venture capital, you’ll need to research the companies you’re considering investing in and be comfortable with the risks involved.

private equity

Private equity is the purchase of ownership in a company that is not publicly traded. This investment is typically made by a group of investors, and the goal is to improve the company’s performance and then sell it or take it public.

Private equity investing is a great option for people who want to be more hands-on with their investments and who are comfortable with a higher level of risk. Although private equity can be high-risk, it can also offer high returns.

art

Investing in art can be a great way to add some diversity to your portfolio. Art can be a good investment for both short-term and long-term goals, and it can appreciate in value over time. Art is a great investment for people who have an eye for aesthetics and who enjoy collecting.

When investing in art, it’s important to do your research and purchase pieces that you believe will hold or increase in value.

wine

Now we come to a fun (yet often overlooked!) investment opportunity.

Like art, wine is another asset that can appreciate in value over time. Wine is a popular alternative investment because it can be enjoyed both now and in the future. Some bottles can generate returns of 10-12% per year.

However, it’s important to remember that wine is a volatile investment, so you should only invest what you’re comfortable with losing.

It’s important to do your research before investing in wine, as some types of wine are more likely to appreciate in value than others.

peer-to-peer lending

Peer-to-peer lending is a form of alternative lending that allows investors to lend money to borrowers without going through a traditional bank. This can be a good option for people who are looking for lower interest rates and don’t want to go through the hassle of applying for a loan.

Peer-to-peer lending also offers the potential for high returns, but it’s important to remember that it can be a risky investment.

reits

Real estate investment trusts, or REITs, are a type of alternative investment that allows you to invest in real estate without actually buying property. REITs are an excellent option for people who want to invest in real estate but don’t have the time or resources to do it themselves.

REITs are a diverse investment, and there are many different types to choose from yielding a wide variety of returns. To get started investing in REITs, you can purchase shares on a stock exchange.

private placements

Private placements are alternative investments that are not available to the general public. They are typically only offered to accredited investors, which means they come with a higher level of risk. Private placements can be a good way to get access to alternative investments that you might not otherwise have access to.

You can find private placements through a variety of sources, such as angel investors, venture capitalists, and private equity firms.

When it comes to alternative investments, there are many options to choose from. New and innovative companies, technologies, and ideas make it easier than ever to get involved in lucrative projects!

It’s important to do your research and understand the risks involved before investing. These alternative investments can be a great way to add diversity to your portfolio and grow your wealth.

If you’re interested in getting started with real estate investing for only $2500, learn more about our latest opportunity with BuyProperly for the Karma Candy Building here.

Investing in a Volatile Market: Strategies to Succeed

It’s no secret that the current market is incredibly volatile. Prices are bouncing all over the place, and it can be hard to know what’s the right thing to do when it comes to investing in your future. 

In this blog post, we’ll go over some of the strategies you can use when investing in a volatile market, as well as some common mistakes people make during times like these.

So whether you’re a seasoned investor or just starting out, read on for some valuable insights!

what happens during periods of market volatility?

During periods of market volatility, prices tend to go up and down rapidly, making it hard to predict which way the market will move next. This can be a scary time for investors, as there is always the possibility of losing money. However, it’s important to remember that market volatility is normal and happens every few years.

When the stock market is volatile and inflation is on the rise, it can be difficult to know how to protect your investments. But there are some strategies you can use to help safeguard your portfolio.

Remember, there’s no “right” approach for everyone!  The best strategy for you will depend on your individual circumstances and goals. Be sure to speak with a financial advisor so you can figure out a plan that works for you.

Invest in Success

We’re honoured to carry on the tradition of performance as stewards of the historic Karma Candy Building at 356 Emerald St. N. in Hamilton, and we’re excited to invite you to join us as co-owners of this property through BuyProperly.

Learn More

the top 6 strategies investors can use during a period of market instability

1. Diversify your Portfolio

One of the best ways to protect your investments during a volatile market is to diversify your portfolio.

It means investing in a variety of different asset types, including stocks, bonds, and cash. This will help to mitigate your risk if one particular asset class starts to decline. It also means investing in a variety of geographies and investing in products.

As an example, your portfolio may include a combination of stocks from different sectors, such as healthcare, tech, and finance, bonds with different maturity dates, or different countries, like Canada, the US, and Europe.

2. Consider Alternative Investments 

Alternative investments can be a good way to diversify your portfolio and protect against inflation. Some examples include real estate trusts, commodities, and hedge funds.

3. Stay disciplined with your investing

It can be tempting to try to time the market during periods of volatility. Often, investors will veer off course in search of a great deal. However, this can be a recipe for disaster. The best way to approach investing during a volatile market is to stick to your investment plan and refrain from making impulsive decisions.  Investing longer periods of time, years rather than months helps even out the ups and downs of the market, and realize market growth over the longer term.

4. Review your investment mix

As market conditions change, so should your investment mix. Regularly reviewing and rebalancing your portfolio will help ensure that your investments are properly diversified and aligned with your goals. This means selling off assets that have increased in value and buying more of the assets that have lost value.

By doing this, you ensure that your portfolio stays diversified and aligned with your investment.

For example, if you’re close to retirement, you may want to adjust your portfolio to be more conservative. On the other hand, if you have a longer time horizon, you may be able to weather the ups and downs of the market and take on a bit more risk.

5. Be prepared for market corrections

A market correction is when the stock market experiences a sharp decline. These declines are often seen as a normal part of the market cycle. However, they can be difficult to stomach if you’re not prepared for them. Learning how to ride out a market correction will help you stay the course when your investments start to decline.

6. Try dollar-cost averaging

This involves investing a fixed amount of money into security or securities at regular intervals. By buying these securities over time, you’ll be able to average out the price and reduce your overall risk. This technique can help smooth out the ups and downs of the market.

With these tips, you (and your investment portfolio) will be better prepared to handle any periods of economic instability!

here are the 10 mistakes to avoid when investing during a period of market VOLATILITY

1. don't try to time the market

People often do this when they think the market is about to crash and they want to sell before it does. But no one can predict the future, so this strategy is often unsuccessful. If your timing is wrong, you could lose a lot of money or miss out on a rebound.

2. Don't invest everything at once

When the market is volatile, it’s often best to invest gradually over time. This way, you’ll be able to average out the price and reduce your overall risk.

3. Don't put all your eggs in one basket

As we mentioned above, diversification is key when the market is volatile. By investing in a variety of asset types and classes, you’ll be able to reduce your risk.

4. don't panic

It can be tempting to sell everything when the market is crashing, but this is often the worst thing you can do. If you sell too quickly, you’ll likely miss out on the rebound. Through diversification and smart portfolio management, you’ll be better prepared to avoid the dreaded “panic sell” mentality.

5. don't try to guess the bottom

A lot of people think they can predict when the market will hit rock bottom and start to rebound. But again, this is often unsuccessful. If you wait too long to buy, you could miss out on a lot of gains.

6. Don't get emotional about your investments

It’s important to remember that investments are just that – investments. They go up and down, and you need to be prepared for both. Getting too attached to your investments can cloud your judgement and lead to bad decisions.

7. don't forget about the fees

When the market is volatile, every penny counts. Be sure to check how much you’re paying in fees and expenses. These can eat into your returns and add up over time.

8. I’m factor in your taxes

When you sell investments for a profit, you’ll likely owe capital gains taxes. Be sure to factor this in when making decisions about when to sell.

9. always stick to comfortable levels of risk

Just because the market is volatile doesn’t mean you should take on more risk than you’re comfortable with. Be sure to stay within your risk tolerance levels and don’t make impulsive decisions based on market fluctuations.

10. don't forget about your goals

When making investment decisions, it’s important to keep your long-term goals in mind. Don’t let the market dictate your decisions. Stick to your plan and stay the course.

The more you hold onto your long-term investment vision, the less likely you’ll be swayed by short-term market fluctuations.

Although it seems simple, keeping these strategies in mind will help you feel more secure as you invest and grow wealth for your future (especially when the market becomes unpredictable)!

Investing during periods of market volatility can be difficult, but there are some strategies you can use to help reduce your risk. By diversifying your investments, using dollar-cost averaging, and avoiding common mistakes, you’ll be in a better position to weather the storm.

By staying diversified, investing gradually, and focusing on your long-term goals, you’ll be well on your way to success.

Looking to add to your real estate investment strategy? Learn more about our latest opportunity with BuyProperly.

karma candy building

Now You Can Enter the Real Estate Market With Just $500, Thanks to BuyProperly

“BuyProperly provides you with the benefits of investing in cities with huge capital appreciation — without bearing the brunt of high real estate costs,” says BuyProperly CEO Khushboo Jha. “Our mission is to enable investors like you to grow your wealth through alternate asset classes.”

With BuyProperly, you can enter the real estate market for just $500. Use the promo code BEGIN@500 at BuyProperly.ca to get started.

What is BuyProperly?

Founded in Toronto in 2019, BuyProperly is a fractional real estate investing platform that lets you enter the real estate market through a quick and easy online transaction.

Through BuyProperly.ca, you can go online and complete a fractional real estate investment with expected returns of 20 to 40% in less than 7 minutes.

“There’s only one objective: to give the customer’s options to invest in good deals. That’s it,” Khushboo told Bay Street Bull.

“There’s only one objective: to give the customer’s options to invest in good deals.”

— Khushboo Jha
BuyProperly CEO

BuyProperly grows your wealth by identifying high yield properties with a cutting-edge proprietary AI model.

You’ll earn passive rental income alongside your long-term investments. When a property is sold, your investment principal is paid back to you, plus appreciation.

How does it work?

BuyProperly’s selection process has three stages:

  1. First, using an AI model that looks at 20 years of MLS data, BuyProperly finds assets listed for less than their fair market value. This is determined through 500 million data points, including information on nearby schools, banks, neighbourhood shops, local demographics and economic data.
  2. Next, BuyProperly’s investment committee reviews actual, up-to-date numbers and data to detect red flags not captured in the initial evaluation.
  3. Then, BuyProperly undertakes an in-person inspection. Only 1% of properties reviewed pass BuyProperly’s rigorous evaluation and appear on the BuyProplerly website for you to invest in.

BuyProperly rents the fractionally-owned properties to high-quality, AAA tenants, earning you passive income alongside your long-term investments. In a few simple steps, you can open up a free account and start investing!

emerald street drone
Properties like the Karma Candy Building at 356 Emerald St. N. in Hamilton — which you can invest in on BuyProperly — offer tremendous upside potential.

What Are BuyProperly’s Main Benefits?

    • No need to qualify for a mortgage
    • No downpayment required
    • None of the pain of managing a property or being a landlord
    • No closing costs
    • No need to find tenants or maintain the property
    • You’ll get a share of rent and gains on the property when it’s sold

Properties like the Karma Candy Building at 356 Emerald St. N. in Hamilton  — which you can invest in on BuyProperly — offer tremendous upside potential.

The complex is 280,000 sq. ft and comprises industrial and office units. The property also includes 118 and 65 Shaw St. Karma Candy is set to lease back the entire property. 

What are the experts saying?

“I’ve had the fortunate opportunity to be a part of BuyProperly and Khushboo’s journey since the beginning,” Saurabh Dutta, Partner at Nurture Ventures, said in a statement. “The market need for fractional real estate investing is clear through the customer growth BuyProperly has seen in only a short amount of time.”

“Khushboo and her team created the new hidden gem of real estate investing,” Margaux Perrin said on Bay Street Estate Bull.

“Khushboo and her team created the new hidden gem of real estate investing.”

Margaux Perrin, Bay Street Bull

Here’s How to Join BuyProperly and Enter the Real Estate Market for $500

It’s quick and easy for you to create an account at BuyProperly.ca. Then, use the promo code Begin@500 at BuyProperly.ca to get started with an investment of just $500.

Are you interested but have a few more questions? The folks at BuyProperly are happy to chat! It’s quick and easy to schedule a call with them. Just book a meeting and choose a time that suits you best!

356 Emerald

Webinar: Why You Should Invest in the Karma Candy Building

BuyProperly just launched a new property in Hamilton, The Karma Candy Building, and you can invest starting at just $2,500. 

Are you new to BuyProperly? Get started with only $500! Use promo code BEGIN@500.

The webinar features Braydon Kustra, Vice President of Investor Relations at Forge & Foster, and Khushboo Jha, CEO and co-founder of BuyProperly.

In this 30-minute webinar, we will be talking in detail about the ideal location, sophisticated business plan, expected returns, and much more for this real estate investment opportunity.

 

What Is Bad Credit?

Bad credit refers to a person’s history of not paying bills on time, as well as the possibility that they would do so in the future. A bad credit score is frequently the result. Companies can also have bad credit if their payment history and current financial status are not in good standing.

Because they are deemed riskier than other borrowers, a person (or company) with negative credit will find it difficult to borrow money, especially at competitive interest rates. This is true of all forms of loans, including both secured and unsecured ones, but the latter has some options.

Understanding Bad Credit

Most people who have ever borrowed money or applied for a credit card have a credit file with one of the three major credit bureaus: Equifax, Experian, or TransUnion. The information in those files is used to calculate their credit score, which is a figure that serves as an indication to their creditworthiness and includes how much money they owe and whether they pay their payments on time. The FICO score, named after the Fair Isaac Corporation, is the most widely used credit score in the United States.

  1. 35%—payment history. This is given the most importance. It simply shows whether the person with the FICO score has paid their payments on time. Even a few days late can count, yet the longer the payment is late, the worse it is viewed.
  2. 30%—total amount an individual owes. Mortgages, credit card balances, vehicle loans, any bills in collections, court judgments, and other debts fall under this category. The person’s credit usage ratio, which compares how much money they have available to borrow (such as total credit card limits) to how much they owe at any given time, is ‌essential. A high credit usage ratio (say, greater than 20% or 30%) can be interpreted as a red flag and result in a worse credit score.
  3. 15%—length of a person’s credit history.
  4. 10%—mix of credit types. Mortgages, vehicle loans, and credit cards are all examples of this.
  5. 10%—new credit. This includes any jobs or internships that someone has recently started or applied for.
Examples of Bad Credit

FICO scores range from 300 to 850 and debtors with scores of 579 or lower are typically considered having poor credit. 

Fair is described as a score between 580 and 669. These borrowers are significantly less likely to default on loans, making them far less hazardous to lend to than individuals with poor credit scores. However, consumers in this range may incur higher interest rates or have difficulty obtaining loans than borrowers with credit scores closer to the top 850.

How to Improve Bad Credit

There are things you may take if you have low credit (or fair credit) to raise your credit score above 669 and keep it there. Here are some pointers on how to do just that.

Set Up Automatic Online Payments

Do this for all of your credit cards and loans, or at the very least, sign up for the lenders’ email or text reminder lists. This will ensure that you pay at least the monthly minimum on time.

Pay Down Credit Card Debt

Whenever workable, pay more than the minimum payment due. Set a reasonable payback target and strive toward it over time. Paying more than the minimum due will help you increase your credit score if you have a lot of total credit card debt.

Check Interest Rate Disclosures

These disclosures are provided by credit card accounts. Concentrate on paying off the debts with the highest interest rates first. This will free up the most money, which you can then use to pay down other obligations with lower interest rates.

Keep Unused Credit Card Accounts Open

Keep your unused credit card accounts open. Also, don’t create any new accounts that you don’t require. Either action has the potential to harm your credit score.

If you’re having trouble getting a conventional credit card because of your bad credit, consider applying for a secured credit card. It works in the same way as a bank debit card in that you can only spend the amount you have on the deposit. Having a secured card and making timely payments on it can help you rehabilitate your credit and eventually qualify for a regular card if you have a low credit history. It’s also a wonderful approach for young individuals to build their credit history.

Looking for a stress-free way to get started in real estate investing? Check out our current offering with Buy Properly. Buy Properly utilizes a fractional ownership concept to assist investors to build their real estate portfolios. Click here to learn more. >>

What Is Collateral?

what is collateral?

Collateral is a term used to describe an asset that a lender accepts as security for a loan. Depending on the purpose of the loan, collateral can be real estate or other types of assets. For the lender, the collateral serves as a type of insurance. If the borrower defaults on their loan payments, the lender can seize and sell the collateral to recoup some or all of their losses.

how collateral works

A lender wants to ensure that you’ll be able to repay the loan before giving it to you. As a result, many of them require some level of protection. Collateral is a type of security that reduces the risk for lenders and ensures that the borrower fulfills their financial obligations. If the borrower defaults, then the lender has the option to seize the collateral and sell it, with the proceeds going toward the unpaid amount of the loan. To reclaim any leftover balance, the lender can take legal action against the borrower. 

As previously stated, collateral can take many forms. It usually refers to the type of loan; for example, a mortgage is secured by the residence, but a car loan is secured by the vehicle in issue. Other assets can be used to secure non-specific personal loans. For example, a secured credit card can require a cash deposit equal to the credit limit, such as $500 for a $500 credit limit.

Collateral-backed loans often have lower interest rates than unsecured loans. A lien is a legal right or claim on an asset to satisfy a debt that a lender has on the collateral of a borrower. The borrower has a powerful incentive to repay the loan on time because, if they don’t, they risk losing their home or other collateralized assets.

types of collateral

The type of loan frequently determines the nature of the collateral. Your home becomes the collateral when you take out a mortgage. If you take out a car loan, the car becomes the loan’s collateral. Cars, bank savings deposits, and investment accounts are all frequent forms of collateral that lenders accept. In most cases, retirement accounts are not accepted as collateral.

Future paychecks can also be used as security for very short-term loans, not just payday loans. Traditional banks provide such loans, which are typically for a few weeks. Even if you have a true emergency, you should read the fine print and compare rates before taking out one of these short-term loans.

COLLATERALIZED PERSONAL LOANS

A collateralized personal loan is a type of borrowing in which the borrower pledges an object of value as security for the loan. The collateral must be worth at least as much as the loan amount. If you’re looking for a secured personal loan, your best bet is to go with a financial institution with which you already do business, especially if your collateral is your savings account. If you already have a relationship with the bank, it will be more likely to approve the loan and provide you with a reasonable interest rate.

Examples of collateral loans

RESIDENTIAL MORTGAGES
A mortgage is a loan that uses your home as collateral. If a homeowner fails to pay their mortgage for more than 120 days, the loan company can initiate legal action, which could result in the lender taking possession of the home through foreclosure. The property might be sold to satisfy the remaining principal on the loan once it has been transferred to the lender.
HOME EQUITY LOANS
A home can also be used to secure a second mortgage or a home equity line of credit (HELOC). The loan amount will not exceed the available equity in this scenario. For example, if a home is worth $200,000 and the primary mortgage balance is $125,000, a second mortgage or HELOC will only be available for up to $75,000.
MARGIN TRADING
Margin trading also considers securitized loans. An investor uses the balance in his or her brokerage account as collateral to borrow money from a broker to gain shares. The loan increases the number of shares an investor can purchase, hence boosting the potential gains if the value of the shares rises. However, the risks are amplified as well. If the value of the shares drops, the broker will demand payment of the difference. If the borrower fails to cover the loss, the account acts as collateral.

While stock market trading may be dangerous, and real estate investing can be time-consuming, Buy Properly combines the best of both worlds. Buy Properly, a fractional real estate company, lets anyone with just $2,500 participate in real estate. This novel idea is similar to stock investment but without the hassles of real estate ownership. Interested? We knew you would be. Check out our latest opportunity – the Karma Candy Building – on Buy Properly (limited availability, don’t wait to invest!).

The Top 50 Real Estate Investment Books

If you’re a real estate investor (or thinking about becoming one) you know how important it is to equip yourself with knowledge- from webinars and courses to seminars and mentors, the options are endless!

But what you may not realize is that books can also be a powerful investment tool. In fact, there are plenty of great books out there on investing that can help you make smart choices with your money. To help you get started, here are the top 50 best real estate investment books, based on our experts’ recommendations. 

Whether you’re a seasoned investor or just starting to learn the ropes, these books will provide you with all the information you need to make smart decisions about where to put your money. 

So if you’re looking to boost your financial knowledge and invest smarter, be sure to check out this list of the best real estate investment books!

the top 50 best real estate investment books

 

1. “The Intelligent Investor” by Benjamin Graham: This book is considered the “bible” of value investing and is a must-read for anyone looking to get into this strategy.

2. “The Warren Buffett Way” by Robert G. Hagstrom: This book outlines Buffett’s unique investing philosophy and approach to building a successful portfolio.

3. “The Millionaire Real Estate Investor” by Gary Keller: This book is a comprehensive guide to real estate investing, covering everything from finding properties to financing and managing them.

4. “The Book on Rental Property Investing” by Brandon Turner: This book is a step-by-step guide to successful rental property investing, from finding the right property to screening tenants and managing your investment.

5. “The Real Estate Investor’s Guide to Flipping Houses” by J. Scott: This book provides a detailed, step-by-step guide to flipping houses for profit, from finding the right property to repairing and selling it.

6. “Build a Rental Property Empire” by Mark Ferguson: This book is a comprehensive guide to building a profitable rental property business, from finding the right properties to managing and scaling your business.

7. “The ABCs of Real Estate Investing” by Ken McElroy: This book is a great introduction to real estate investing, covering everything from the basics of property ownership to financing and taxation.

8. “The Real Estate Investor’s Bible” by William Bronchick: This book breaks down real estate investing, covering everything from finding properties to financing and closing deals.

9. “The Complete Guide to Flipping Properties” by Steve Chaderjian: This book is a step-by-step guide to flipping properties for profit, from finding the right property to repairing and selling it.

10. “The Real Estate Investor’s Guide to Financing” by Robert Shemin: This book is a comprehensive guide to financing real estate investments, from traditional loans to creative financing techniques.

11. “Investing in Real Estate” by Gary Eldred: This book is a great introduction to real estate investing, covering everything from the basics of property ownership to financing and taxation.

12. “The Real Estate Investor’s Guide to Tax Deeds and Foreclosures” by Jackie Beckham: This book is a great intoduction to investing in tax deeds and foreclosure properties, from finding the best deals to bidding at auction.

13. “The ABCs of Property Management” by Ken McElroy: This book is a great introduction to property management, covering everything from the basics of rentals and leases to marketing and maintaining your properties.

14. “The Real Estate Investor’s Guide to Leasing” by Joel Singer: This book is a comprehensive guide to leasing real estate properties, from Negotiating the best terms to managing the tenancy.

15. “The Real Estate Investor’s Guide to Business Plans” by Michael E. Gerber: This book covers everything you need to know about creating a business plan for your real estate investing business, from setting goals and objectives to outlining your marketing strategy.

16. “The Real Estate Investor’s Guide to Residential Properties” by John T. Reed: This book is a comprehensive guide to investing in residential properties, from finding the best deals to financing and managing your investment.

17. “The Real Estate Investor’s Guide to Commercial Properties” by John T. Reed: This book is all about investing in commercial properties, from office buildings to shopping centers.

18. “The Real Estate Investor’s Guide to Economic Indicators” by Sam Khater: This book is a comprehensive guide to understanding and using economic indicators to make better real estate investment decisions.

19. “The Real Estate Investor’s Guide to Market Research” by Steve cook: This book is a great guide to market research for real estate investors, from finding the best markets to invest in and analyzing demographic trends.

20. “The Real Estate Investor’s Guide to Property Management” by William Pivar: This book is an introduction to property management for real estate investors, from finding the best tenants to maintaining your properties.

21. “The Real Estate Investor’s Guide to Financing Options” by James A. Banks: This book is a guide to financing options for real estate investors including both traditional loans and private lenders.

22. “The Real Estate Investor’s Guide to Flipping Houses” by Suzanne Krauss: This book is a step-by-step guide to flipping houses for profit, from finding the right property to repairing and selling it.

23. “The Real Estate Investor’s Guide to Negotiating” by Dean Graziosi: This book is a comprehensive guide to negotiating real estate deals including buying properties at a discount to getting the best terms on financing.

24. “The Book on Rental Property Investing” by Brandon Turner: This book is a great introduction to the ins and outs of rental property investing, from finding the best deals to managing your properties.

25. “The Real Estate Investor’s Guide to Foreclosures” by Martin Welch: This book is a guide to investing in foreclosed properties including finding the best deals for repairing and selling them.

26. “The Real Estate Investor’s Guide to Short Sales” by Suzanne Krauss: This book is a great introduction to short-selling real estate properties, from finding the best deals to negotiating with lenders.

27. “The Real Estate Investor’s Guide to Fix and Flips” by Suzanne Krauss: This book is a step-by-step guide to fixing and flipping houses for profit and covers everything from finding the right property to repairing and selling it.

28. “The Real Estate Investor’s Guide to Rent-to-Own Properties” by Michael R. Lewis: This book is a great introduction to rent-to-own investing, from finding the best deals to negotiating with sellers.

29. “The Real Estate Investor’s Guide to Wholesaling” by Than Merrill: This book is a guide to wholesaling real estate properties including finding the best deals to negotiating with sellers.

30. “Long-Distance Real Estate Investing” by David Greene: This book is a wonderful introduction to investing in real estate from a distance, from finding the best deals to working with local property managers.

31. “The Real Estate Investor’s Guide to Incomplete Construction Projects” by James A. Banks: This book is a comprehensive guide to investing in incomplete construction projects, from finding the best deals to financing and managing your investment.

32. “The Real Estate Investor’s Guide to Bank-Owned Properties” by Jackie Beckham: This book is a great introduction to investing in bank-owned properties, from finding the best deals to negotiating with lenders.

54. “Build a Rental Property Empire” by Mark Ferguson: All about building a rental property empire including finding the best deals to managing your portfolio.

34. “The Real Estate Investor’s Guide to Pre-foreclosures” by Jackie Beckham: This book is an introduction to investing in pre-foreclosure properties, from finding the best deals to negotiating with sellers.

35. “The Real Estate Investor’s Guide to Online Marketing” by Than Merrill: This book is a comprehensive guide to online marketing for real estate investors, from creating a website to driving traffic and generating leads.

36. “Real Estate Riches” by Dolf de Roos: This book covers how to build wealth through real estate investing, from finding the best deals to creating a portfolio that will generate income.

37. “How to Be a Real Estate Investor” by Neil Weinberg:  This book is a great introduction to real estate investing for those who are new to the field. It includes information on finding the best deals and making your first investment.

38. “Investing in Real Estate” by Gary Wiltbank: A straightforward book about real estate investing, from finding the best deals to choosing the right properties.

39. “The Real Estate Investor’s Guide to Cold Calling” by Dean Graziosi: This book is a great introduction to good, old-fashioned cold calling for real estate investors.

40. “How to Be a Real Estate Investor” by Neil Weinberg:  This book is a great introduction to real estate investing for those who are new to the field, from finding the best deals to making your first investment.

41. “The Real Estate Investor’s Guide to FSBOs” by Jackie Beckham: This book is a guide to investing in for-sale-by-owner properties.

42. “Real Estate: The Ultimate Wealth Builder?” by John Trew:  This book covers the pros and cons of real estate investing, from finding the best deals to deciding if it’s the right investment for you.

43. “The Real Estate Investor’s Guide to Probates” by Jackie Beckham: This book is a great introduction to investing in probate properties including finding the best deals to negotiating with sellers.

44. “The Real Estate Investor’s Guide to Tax Deeds” by Suzanne Krauss: This book is a great introduction to investing in tax deed properties, from finding the best deals to bidding at auction.

45. “Making Money in Real Estate” by Matthew Puttock: This book is a great introduction to real estate investing, from finding the best deals to making money through different investment strategies.

46. “The Millionaire Real Estate Investor” by Gary Keller: This book is a journey into the mindset of a successful real estate investor outlining Keller’s own journey to becoming a millionaire through real estate investing.

47. “The Real Estate Investor’s Guide to Rent-to-Own Properties” by Jackie Beckham: This book is a great introduction to investing in rent-to-own properties, from finding the best deals to negotiating with sellers.

48. “The Real Estate Investor’s Guide to Lease Options” by Suzanne Krauss: This book is a great introduction to investing in lease option properties, from finding the best deals to negotiating with sellers.

49. “The Real Estate Investor’s Guide to Private Lenders” by Than Merrill: This book is a great introduction to raising private money for real estate investing, from finding the best deals to negotiating with lenders.

50. “The Real Estate Investor’s Guide to Business Plans” by Michael R. Lewis: This book is a guide to creating a business plan for your real estate investing business, from finding the best deals to negotiating with lenders.

These are just some of the best real estate investment books out there. If you’re looking to get started in real estate investing, or if you’re already an experienced investor, these books can help you learn everything you need to know about building a profitable portfolio.

So what are you waiting for? Start reading and get started on your real estate investing journey today!

Looking for a low-cost, high-return option to start your real estate journey? Check out our latest campaign with BuyProperly, the Karma Candy Building, where you can invest with as low as $2,500 today.

Plage Saint-Pierre Beach & Campground

Now you can invest in oceanfront real estate with as little as $1,000

Co-own a Nova Scotia beach destination through FrontFundr with Forge & Foster

Soaring real estate prices have locked many Canadians out of the market — and the wealth gains that come with ownership.

“For too long, real estate has been behind closed doors and not accessible to everyone,” says Joe Accardi, Partner & CEO of Forge & Foster. “We want to bring real estate to all Canadians, and FrontFundr is something that we’re really excited about.”

 

WHAT IS FRONTFUNDR?

FrontFundr is Canada’s leading online private markets investing platform and an exempt market dealer. 

Founded in Vancouver in 2013, the startup’s mission is to democratize the private sector investment model by offering companies an alternative to venture and private equity investing.

FrontFundr provides investors with the opportunity to invest in startups and growth companies. Their online platform allows all Canadians — from professionals to first-time investors —to support the ideas and initiatives they want to see succeed. 

 

 

The company has built up a community of over 34,000 users, run over 100 successful funding campaigns, and helped businesses raise more than $120 million so far.

“You might think you can only invest in Wealthsimple and public stocks, but you can also invest in early stage companies from the very beginning.”

“We’re missionaries to spread the word around equity crowdfunding, in general,” says Peter-Paul Van Hoeken, the founder and CEO of Silver Maple Ventures, FrontFundr’s parent company. “Creating awareness has been a huge job for our company in the last five years. You might think you can only invest in Wealthsimple and public stocks, but you can also invest in early stage companies from the very beginning.”

 

TELL ME ABOUT THE PROPERTY

The Plage Saint-Pierre Beach and Campground in Cheticamp, Nova Scotia, sits on 2,500 feet of private beach along one of the province’s warmest bays.

The nearby Cabot Cape Breton Golf Club is a popular destination. Visitors also enjoy hiking, whale watching, berry picking, stargazing, kayaking, cycling, dining on fresh seafood and more.

The popular destination boasts quaint cabins, RV rentals, and sites for tents and RVs. However, there is plenty of opportunity for improvement and expansion.

Situated at the gateway of the world-famous Cape Breton Highlands National Park and just off the Cabot Trail, this real estate investment property is packed with potential. And Forge & Foster is ready to unlock that potential through its unparalleled expertise in real estate management. 

“Never before have people had the opportunity to invest in spectacular real estate like this, starting at just $1,000.”

Joe Accardi, Partner and CEO at Forge & Foster Investment Management, said, “This is a very special opportunity for investors and we’re excited to offer it through our trusted partner, FrontFundr. Never before have people had the opportunity to invest in spectacular real estate like this, starting at just $1,000.”

WHY FRONTFUNDR? 

Here are the main benefits of investing in real estate through FrontFundr:

  • No fees
  • Pride of ownership
  • No need to qualify for a mortgage
  • No down payment required
  • None of the pain of managing a property
  • No closing costs
  • No need to find tenants or maintain the property
  • You’ll get a share of rent and gains on the property when it’s sold
  • You’ll receive ongoing oversight and support
  • Every investment project undergoes a detailed due diligence process

“Join FrontFundr. Take a look at their projects. You can invest in a project that you’re excited about,” says Accardi.

⭐⭐⭐⭐⭐
Great platform to invest in early stage enterprise
The investment process was straightforward and well explained.
Jean-Philippe Deblois, Trust Pilot

⭐⭐⭐⭐⭐
Great platform that is intuitive and easy to use!
Good access to detailed prospectus and pitch info. The digital signing process is simple and efficient. Private company investing has never been this easy or accessible.
Ken Smith, Trust Pilot

⭐⭐⭐⭐⭐
I feel fully confident that I am making sound investment decisions for myself. FrontFundr is an essential platform to democratize investing into early stage companies that have huge potential to add value.
— Leon Lie, Trust Pilot

 

WHAT ARE THE EXPERTS SAYING?

“Small investments in multiple projects add up over time. That makes it appealing for young people who want to get in the habit of investing.”

“I feel that real estate crowdfunding can be a viable tool for those who want to invest in real estate but are restricted due to a lack of money or credit,” says Mark Ting, CBC’s finance columnist. “Small investments in multiple projects add up over time. That makes it appealing for young people who want to get in the habit of investing.”

“A crowdfunded model comes with transparency and tangibility,” Tina Tehranchian, an Assante Capital Management Ltd. senior wealth adviser told the Globe and Mail. “You can drive by the property and boast to your friends that you have a share of ownership of this property.”

HOW DO I JOIN?

Sign up for FrontFundr now — there’s no fee to join!

Plage Saint-Pierre Beach & Campground is currently raising $595,000. Details of the offering can be found at frontfundr.com/forgeandfoster


Screen shot of FrontFundr website


To book a stay at Plage Saint-Pierre Beach & Campground, visit plagestpierre.com or contact plagesaintpierre@gmail.com or (902) 224-2112.

 

How Alternative Lenders and Investment Platforms Are Helping Underserved Canadians

How Alternative Lenders and Investment Platforms Are Helping Underserved Canadians

According to ACORN, millions of Canadians are underserved by the mainstream banking sector.

These individuals have restricted access to basic banking services like overdraft protection, tax-free accounts, and credit products like credit cards, personal loans, and lines of credit.

As a result, these individuals rely on predatory financial institutions like payday lenders and cheque cashers to meet their banking needs.

Who are the underserved?

Individuals who have limited access to traditional banking services can be organized into two categories:

  1. The underbanked
    These are individuals who have a bank account but seek other financial services and access to credit products through fringe financial institutions.
  2. The unbanked
    These are individuals who don’t have a chequing or savings account. Many low-income individuals are unable to sustain a regular bank account due to the minimum required balances, ATM fees, and other banking fees.

In Canada, 3% of individuals are unbanked and 15% are underbanked, which adds up to approximately 6 million Canadians.

These individuals often have:

  • a low income;
  • a disability;
  • a thin credit profile; or
  • are new to Canada.

How the financial tech industry impacts the unserved

Both underbanked and unbanked individuals face barriers when dealing with traditional financial institutions.

Traditional banks typically have high requirements and fees when it comes to banking, lending, and investing, which makes all these services hard to access. Moreover, the unserved are often seen as risky due to:

  • a decline in financial health;
  • low income; or
  • a thin credit file or no credit file.

Thankfully, as the financial tech (fintech) industry continues to grow, new financial services, tools, and resources become available to the underserved.

Through the fintech industry, which focuses on developing the way we bank through innovative technology, new financial services like crowdfunding, online lenders, robo-advisors, digital wallets, and cryptocurrencies are helping underserved Canadians regain control of their finances.

As the fintech industry continues to grow and evolve, both alternative lenders and alternative investment platforms are changing the way Canadian consumers interact with their money, with particular emphasis on those who struggle to access products and services from traditional financial institutions.

How alternative lenders help the underserved

Alternative lenders are a cornerstone for many of the underserved. Their flexible lending requirements have given these individuals the opportunity to gain access to different credit products such as personal loans, lines of credit, mortgages, credit cards, guarantor loans, and more.

More than a credit score

Unlike banks and other traditional financial institutions, alternative lenders don’t base a borrower’s eligibility simply on their credit score. They take a more holistic approach to credit approval. Alternative lenders often take into account a wide variety of financial factors including:

  • income level;
  • job stability;
  • debt-to-income ratio;
  • previous bank statements; and
  • security (an asset or a co-signor).

This means that individuals who are new to Canada or those who have not had enough time or the opportunity to build a credit history can still apply for the financial products they need.

An alternative to predatory lender

Lenders

Providing underserved Canadians with access to instalment loans, lines of credit and even debt relief products protects them from relying on predatory lenders when in a financial pinch.

Payday loans (the most widely used predatory lender) create a cycle of debt that is almost impossible to break, especially for consumers who are already struggling financially because of low income or bad credit.

Build credit and improve financial future

Alternative lenders act as a stepping stone for individuals with a thin or bad credit profile, as they’ll be able to improve their credit score through these credit products. This, in turn, will increase their chances of being approved for a mainstream credit product in the future.

How alternative investment platforms help the underserved

Platforms like Wealthsimple, CI Direct Investing, and Questrade are changing the way all Canadians, not just the wealthy, invest in their future.

Low barrier to entry

Probably the most significant change that alternative investment platforms have brought to the table is lowering the barrier to entry.

With low fees and low commissions, these platforms provide average and low-income individuals with the opportunity to invest and grow their wealth.

Most alternative investment platforms offer low account minimums or even offer options that don’t require a minimum amount to get started.

Less time invested

apple watch

These investment platforms are usually fully-automated and require little to no maintenance.

Interested individuals simply answer a few questions to create a customized portfolio based on their risk tolerance and investment goals.

Most alternative investment platforms offer additional learning resources that consumers can take advantage of which will help them improve the decisions they make about investments in the future.

Alternative investment platforms allow anyone to invest regardless of their income level, how much they have to invest, or how much knowledge they have in investing.

Bottom line

Innovative technology has opened the financial doors for many unserved individuals in Canada.

Many unserved Canadians now have the opportunity to access different credit products and financial services including banking and investing.

As the fintech industry continues to grow and change, traditional banks and financial institutions will be forced to re-examine the way they provide their services.

Guest post by loanscanada.ca via BuyProperly.

The 9 Types of Real Estate Investments

The 9 Types of Real Estate Investments

There are many types of real estate investments that are available for people ready to jump into the market. Many feel that real estate investing is a solid way to grow wealth with prosperous returns, and the outlook for the housing market in 2022 remains positive.

Fortunately, there are several ways to invest in real estate. No longer are you limited by the traditional barriers of entry like large down payments and excellent credit scores. There are now many different kinds of real estate investments that a person can pursue.

From residential and commercial to wholesaling and REITs, there are several ways to jump into the real estate market in 2022 and beyond.

Whether it is residential, commercial, or industrial properties, these tangible assets have provided countless investors with superior returns.

Let’s look at the various real estate investment strategies designed to give your portfolio a solid return.

1. Residential investing

Residential investing is likely the most common way to invest in real estate.  This is when an investor buys a single-family home, duplex, or multi-family building, and either flips it for profit or holds it as a rental property.

The purchase of this kind of real estate may be done with the use of financing or cash.

When people invest in residential real estate, they are typically purchasing a property to use it in one of four ways:

2. Long term rentals

In this situation, investors purchase a property such as a house, duplex, or apartment building that they rent out to tenants to live long term. This allows investors to maintain a steady cash flow and pay for expenses as the property appreciates in value.

The tenants are tied to a monthly rent payment (a lease) to live there, and the investor is the responsible landlord. The investor has the option of being the landlord themselves or hiring a property maintenance service to act on their behalf. Typically, tenants sign long-term rental agreements usually set for a year or longer.

3. Short term rentals

Vacation properties are ideal for this kind of real estate investment. Often, the investor will purchase a cottage, chalet, or vacation home in a highly desirable location and rent the property out on a weekly or monthly basis for guests.

This type of investment is ideal for vacation hot spots where the property will be in high demand. Again, the investor can manage the property themselves or hire a property maintenance service to take care of it for them.

When investing in rental properties, it’s also important to consider the tax implications. Because these properties generate income and are not considered a “primary residence”, owners should be aware of specific tax ramifications in their area. In addition, when investors sell these rentals, there will be a capital gains tax to pay on the sale.

Make sure to check your provincial and federal guidelines to learn more.

4. House flipping

The idea of house flipping is to buy a lower-priced fixer-upper property below market value and invest the time, energy, and money into renovating the property before selling it at a premium.

Provided the property’s purchase price reflects the amount of work that needs to be put into the structure (and allows for a profit), it can be a good way to invest in real estate.

This method of house flipping only works when you can sell at a profit, which would be the sale price less purchase price and renovation costs. The profit on the sale is taxable income.

5. New construction

Purchasing new construction is an option people consider during hot markets. Typically, the down payment on the property is required far in advance before the house is ready to inhabit.

Many investors purchase these new sales and resell them at fair market value when the home has been constructed and ready to inhabit. The idea is that the house’s fair market value would have appreciated from the time the down payment was placed to the time the home was ready to inhabit.

This income would be considered taxable.

6. Commercial investing

Investing in commercial property is another kind of real estate to consider. Typically, the investor purchases a commercial building to rent out to businesses.

Business owners also consider investing in this kind of real estate to own the building that they run their business out of. This saves the business on paying rent and, instead, they are able to put money towards building a very lucrative asset.

7. Raw land

Raw land is completely uncultivated and untouched real estate. It doesn’t have roads, houses, or any other buildings. Investors who choose to purchase raw land are taking a chance that, based on the location and projected market demand, this land will appreciate in value.

The more the price of the land increases, the higher return on investment (ROI) there is.

Many investors purchase raw land expecting to sell it to developers.

If someone purchases a piece of raw land and expects to wait years before they can capitalize on that acreage, then it’s important to consider that appreciation in price as opposed to immediate profit for this kind of real estate investment.

8. Third-party (crowdfunding, fractional, REITs, etc.)

Third-party real estate has become an intriguing option that makes real estate investing more accessible to people who want to invest in real estate but don’t have the down payment or credit rating to enter the market.

There are various types of third-party real estate investments such as fractional real estate investing and real estate investment trusts (REITs).

Fractional real estate is a collaborative group of people who pool assets together to purchase smaller shares of a property. The advantage of fractional investing is that these investors don’t have to know each other to get started. A platform like BuyProperly connects investors from across the country and allows them to pool their resources to invest in a property.

Being a fractional real estate owner means that you own a part of the investment, depending on your financial contribution, and you reap that reward on a fractional basis. This is passive income if you are not directly involved in the management of the property.

REITs are like mutual funds in the sense that there is a portfolio, or pool, of real estate properties that are managed by a management group. You can purchase shares in that investment and get paid out dividends on a per-share basis. The value of that share can increase over time as well.

9. Wholesaling

Wholesaling real estate can be a tricky endeavour, depending on where you live. A wholesaler is someone who pays cash for a property that has equity, then fixes the property up and quickly resells it to another buyer at an inflated price.

The key to being successful with this type of real estate investment is that you need to be able to purchase the property quickly and recover your costs within a short period of time.

What is the best type of real estate investment?

The best type of real estate investment is the type that you’re most comfortable with, falls within your budget, and meets your financial goals. If you want to invest in rental properties but don’t have enough capital for a whole building, then purchasing condos would be the next best option as opposed to just owning raw land or commercial buildings that do not generate income.

Fractional investing is also a fantastic option for people who don’t have the upfront capital or time to manage and oversee a rental property.

Conclusion

The bottom line is that real estate investing has earned a good reputation over the years as being a reliable way to get your money working for you. As you can see, there are many kinds of real estate investing opportunities at your disposal. It’s about finding an investment vehicle that is right for you.

Investing in real estate can be worthwhile as it has historically offered impressive returns through cash flow potential and long-term appreciation. Real estate is a great way to diversify your investment portfolio.

Whichever way you choose to invest in real estate, be sure to do your research, educate yourself on the pros and cons of the investment, and make an informed decision before you jump in.

If you’re ready to find your next investment property, BuyProperly is here to help. At BuyProperly, they use a fractional ownership model to help investors get started for as little as $2,500 (plus, they can see projected annual returns of 10-40%). 

Interested in learning more? Visit www.buyproperly.ca >>

Are you an accredited investor?