investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

With rising inflation rates and unprecedented costs of living, choosing the right investment strategy is paramount. Thanks to its wide availability and flashy draw, many new investors look to gold as a viable investment option. Unfortunately, due to its impracticality, poor long-term returns, and declining demand from new generations, most seasoned investors advise to steer clear of gold. Here is what you need to know:

Gold Depreciation Over Time 

Turbulent economic conditions allow investors to reflect on their current investment portfolio. Out with the (g)old, and in with the new! 

Rare earth metals and crop production have shown their hand in the history of investment. While generations ago it was a coveted resource, over time, gold has lost its draw to newer investment options. Emerging generations simply do not value it as readily as do older generations.

In contrast, real estate is a tried and true method with diverse options for property investment. From residential rentals, to industrial real estate, and even vacant land, real estate is a trusted resource for current and emerging market trends. 

Investors also have to consider the instability and decrease in value of other precious metals and goods. A 2019 study of metal sector deals revealed that coal was actually the primary revenue contender of global mining, with gold coming in second to last. 

This decline in demand may partially be attributed to an eco-friendly global mentality. Mining has taken its toll on the environment as a whole, leaving a hole in the pockets of the future stability of an investment in rare earth metals. 

Erosion, deforestation, and excessive water use all make gold an unsustainable investment choice for the environment. This makes sense when you consider that many have rallied for the preservation of earth’s most precious resources: Earth itself. 

Looking to the Future 

With the onset of work-from-home measures and rampant pandemic precautions, space is a necessary resource for buyers. Moira Taylor, co-owner and CEO of Taylor Made Realty in Atlanta suggests, “Investors should consider the suburbs of major metropolitan areas, as they’re an ideal investment and have seen an increase in buyer demand in places like Atlanta, New Jersey, San Francisco and other major city suburbs.” Investors are taking advantage of these changing trends, and focusing instead on the buying potential of modern real estate. 

As buyer choices change, so too do investment decisions. Whether you’re looking to invest in vacation rentals or you’d like to construct from the ground up, there’s a real estate opportunity for you.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Gold has been around for centuries. From ancient royalty to present-day investing gurus, plenty of people choose gold as an investment. That many people can’t be wrong, can they?

Well, as it turns out, gold may not be such a golden choice after all. On the surface, it may seem harmless, lucrative even. However, when you look closely, you might start to notice that there are a lot of reasons that gold isn’t quite the excellent investment people have believed it to be for so long. 

Here is why:

A Market Steeped in Instability?

Let’s cut right to the chase. The gold market is simply not stable. That might seem strange, because most people associate gold with prestige and wealth. You figure that it is surely in high demand. Why would its price fluctuate wildly, if everyone wants it?

As it turns out, gold prices move with the economy, like any investment does.That said, gold also crashes harder than some other investments because it doesn’t really serve any purpose, at least not in the way it used to when currency was backed by it.

People like gold, but generally speaking, they don’t need it. It’s a market that people invest in when they’re afraid of paper currencies going under, but its value doesn’t come from it being useful or necessary for society. 

Why Real Estate Glimmers

With that in mind, maybe gold isn’t the right investment. Its instability makes it unreliable—you can’t count on gold to weather through a tough economy with you. So, what’s another investment to consider, if you can’t count on this classic?

Let’s take a look at another thing that people have trusted as an investment for centuries: land, property, and real estate. People have been profiting from owning property for as long as there have been people. Since folks actually need places to live and work, it’s a market that’s never going to go away as long as there are humans on the planet. 

Now, the real estate market does have ups and downs of its own, just like gold or any other investment. Overall, however, it’s a much more stable option. Why? Because the demand for safe housing and attractive corporate property remains constant for the most part.

Putting your money behind something necessary is a good safeguard against turbulence in the economy. You can’t always count on your coins, but real estate? Now that’s a smart investment.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

When most people think of investing, the first things that come to mind are the intangible, particularly stocks and bonds. While many people may not understand its more complex innerworkings, most have some idea about what investing in stocks entails. But what about bonds, and are bonds sound investments, especially when compared to more tangible investments like real estate? In this article, we will consider these questions carefully.

What is a bond?

To put it simply, a bond is a type of loan whereby an investor gives money to a company, an individual or the government. In exchange, these parties promise to pay back the loan by a specific date, along with regular interest. 

On one hand, bonds are typically a lower-risk investment than other more common types, especially stocks. When you buy a bond, you understand the terms and conditions from the very start and so will not likely encounter any unpleasant surprises.

That said, because they are low-risk, bonds tend to be low-yield investments unless  specified otherwise. While there is usually clear risk involved, real estate often yields higher returns while also building equity. 

Real estate builds equity in many ways. This could be through debt decreasing or property value increasing. In contrast, the gains you reap from bonds will be predictable and consistent but generally unremarkable. Additionally, bond returns do not respond well to inflation. 

 Real estate, however, is by nature dynamic. It responds to the market, which means when prices go up, so does the value of your units. When you own several apartment buildings and demand for housing in your city is on the rise, you can expect to earn more from each of your units. 

In sum, the higher yield, increased stability, and long-term benefits of investing in real estate prove better and more worth your investment than bonds. 

How do I invest in real estate?

There are many ways to invest in real estate. While there are intangible options like real estate investment trusts, many find it rewarding to actually manage the properties for themselves by renting them out, overseeing their maintenance, and so on.

Investing in real estate can be done through investment in rental properties or flipping property you’ve invested in. Perhaps the best way to start into real estate investment is by renting out part of a home, even if it’s just part time through a platform like Airbnb. 

For more guidance, reach out today. I want to hear from you!

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Investing in Real Estate vs. Banking Your Money: Why Real Estate Keeps Your Money Working For You

Here’s a question you might have been asking yourself: Is it better to invest your money, or hold onto it by keeping it in the bank?

There are so many old adages about money and investing, and perhaps the most important and relevant one? “Make your money work for you!” Another common phrase is “You have to spend money to make money!”, and that’s what’s at the center of the answer to this question. These sayings may be well-worn at this point, but they hold some truth.

When you leave your money in the bank, it does very little besides just sitting there. Sure, having a big number on your account balance looks nice, and it is useful to have some liquid assets you can tap into, but if you’re looking to really pump up your net worth, you’re going to need to put your money into something. You’re going to need to invest.

There are a lot of options for you when you set out to start investing, and real estate is one possible investment. It’s a popular choice, and for good reason.

Why Real Estate Does the Job

Real estate is an evergreen investment, because it has tangible, actual, inherent, and real value. People are always going to need places to live, and so, as long as there are people, there’s a demand for real estate.

When you leave your money to languish in the bank, you’re trading the chance to have a tangible asset to your name for a bigger number on your account statements. That number is nice to look at, but you know what’s even nicer? Being able to drive past an apartment building, knowing that it’s yours, that it’s making you money, and that you made the right choice.

When you’re deciding what to do with your money, it’s worth remembering that doing something with it—anything, really—is how you make a profit. Money sitting in the bank isn’t doing you any good. But investing in real estate, thus using your money to make more money? Utilizing your intangible monetary resources in order to put your name on something real and eternally valuable? Now that’s smart.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Cryptocurrencies vs. Real Estate: Why Cryptocurrency Comes Up Short

Looking for a way to make extra money over time? If you have the means to do so, investing is always a good idea– as long as you’re making smart investments. Making risky investments in cryptocurrencies like Bitcoin can certainly be thrilling, and it’s definitely become somewhat of a fad in recent years; it seems like everyone and their mother has money in some sort of cryptocurrency at the moment. But you should think twice before putting a significant amount of your savings into cryptos, no matter how good of an idea it seems in the moment. That’s because it doesn’t have any tangible backing, among other reasons.

If you’re looking to make a more promising investment, real estate investments could be one great and much safer, more tangible option. If you’re not quite convinced yet, just put down the DogeCoin for a second and let us explain why cryptocurrency comes up short when compared to real estate. 

Cryptocurrency and its risks

Your first question might actually be what, exactly, cryptocurrency is and how the infamous process of investing in it works. Essentially, a cryptocurrency is an electronic currency that does not physically exist, but still holds worth. The value of cryptocurrency goes up and down based on how many people are purchasing it– it’s all about supply and demand. So, if you buy cryptocurrency at a low price, you may be able to sell it for more money once it becomes more valuable. The key word here is may.

One of the risks of cryptocurrency is that it’s extremely volatile. What seems like a good investment one day could be thousands of dollars wasted the next. And while most investments come with the risk of losing your money, cryptocurrency poses another unique risk due to its intangibility. Cryptocurrency isn’t backed up by any physical assets– it’s all electronic. That means it’s susceptible to glitches, errors, and hacking. 

Real estate investment and its benefits

Meanwhile, real estate is one highly tangible asset that offers a much safer investment– it definitely has a physical form to back it up! It’s a whole house! While the fact that property can’t be hacked like cryptocurrency can is a huge plus, real estate investments also offer tons of other benefits: great, steady cash flow, tax breaks and deductions, and steady appreciation in value. It also comes with competitive risk-adjustment returns: over the past 50 years, the average annual return has been about 11%. 

While real estate is a long-term investment, the overall return will be worth the wait. Overall, it offers long-term financial security and a nearly guaranteed great return. This, along with its tangibility, makes it a more secure option by a landslide when compared to cryptocurrencies.

So before you jump on the next big cryptocurrency bandwagon, really think about the risk you’re taking and ask yourself if that money could be better spent on real estate. Sometimes it’s best to play the long game. Happy investing!

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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When you invest in the stock market, you are, in a way, gambling. You’re entrusting your money to the whims of someone else’s company. The stock market is a popular place to invest, but when you invest in it? You don’t really control what happens next. 

If you have shares in a company, sure, you might have the option to vote on things like who gets to be on the board of directors, but ultimately, what the company does is out of your hands. You’re just along for the ride.

Real estate is different. When you invest in a property, you have direct control over your investment. You decide exactly what you invest in, and what to do with it! You get to make decisions like:

• What type of property you’re investing in
• Where that property is located
• What kind of market you’re buying in
• What kind of financing you use
• And perhaps most importantly, how the property is maintained or improved!

That last one is a big one. When you invest in real estate, you have a lot of options. You have a very serious and direct influence over the value of the property. You can choose to improve the condition of the property as you see fit, and in that way directly increase the amount of profit you can make from it, either by reselling it or by renting it out.

If you buy a property, you can do things like renovations that tangibly and immediately make it worth more than it was before. If you invest in the stock market, you’re counting on a company to perform well. Maybe it will, maybe it won’t. You don’t get to decide. You don’t have control.

With real estate, you get to make your own decisions as an investor. If a property is underperforming, there are steps you can take to get it in top-notch condition and help it get you the money you want and deserve. 

You want to have control over your financial future, right? Making the right investments is key to that. Investing in real estate means you’re handing yourself the reins of your own life. You get to make the decisions, and you get to take control.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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You’re probably familiar with the concept of investing in stocks, but here’s a quick overview. 

The “stocks” you buy are small investments in a company- a share of ownership. These can cost more or less depending on the value of the company at the time of your purchase. 

People buy stocks with the intention of making money on them, which can happen in two basic ways: either through cash dividends, which a company might distribute to shareholders if it’s doing well financially, or by selling the stocks for more than they were purchased for. 

Stocks are one of the first things people think of when they think of investing. That does NOT mean that they’re the best investment option, though. 

Stock prices are influenced by so, so many factors. Supply and demand? Those are factors influencing every market, but the stock market is especially susceptible to that influence. If you’re trying to invest in a particularly popular company… well, good luck. When the demand for a stock is high, the price gets high with it. 

A single share of the most expensive stock in the New York Stock Exchange, Berkshire Hathaway, costs around 340k per stock. 

But here’s the thing. On March 23rd, 2020, that price was closer to 240k– a hundred thousand dollars less. What’s going on with that?

Well, a few more things influence the stock market. Supply and demand can be shot off in different directions depending on things like how safe people are feeling in the current social and political and economic climates. 

March was around the time the pandemic started getting really bad, and for that reason, people were selling their shares like crazy. That’s the thing about stocks. They’re pretty easy to liquidate, and so when people get antsy, they cut their losses and run, taking the value of the stock down with them. 

Another thing about stocks is that they’re heavily, heavily influenced by the economy at large. If you invest in Apple, and then everyone stops buying iPhones because the economy is going sour, then suddenly, your stock isn’t going to be doing you any good. And the economy has been all over the place lately. 

So, what’s a market you can count on to weather the storms of the economy?

Think real estate. 

Real estate is a solid market. It’s right there in the name: real estate is Real. A solid piece of land, and the sturdy building that sits on it? Those things aren’t going anywhere, no matter what the economy is doing. Stocks are, in a way, abstract. They’re just reflections of how a company is doing, but they’re not an actual thing.

Real estate is stable for a few reasons. One is the above-mentioned solid nature of it. Properties you’ve invested in don’t just get up and walk away.

Supply and demand also aren’t as topsy-turvy in real estate as they are in the stock market. No matter what the economy is doing, people still need places to live or do business. That’s always going to be the case. The demand is always going to be there. And the supply? That’s pretty much set. The Earth isn’t getting any bigger. The demand is more likely to outrun the supply- and that means that property you invest in is going to, if anything, increase in value. 

Even when external factors do influence the real estate market, they tend to do so much more slowly and less drastically than is the case in the stock market. Let’s talk about Berkshire Hathaway again. We already said that on the 23rd of March, it had a value of 240k per share. Want to know what it was worth three weeks before?

324k. A drop of 84 thousand dollars, in three weeks. 

Real estate doesn’t pull that kind of trick on you. If you are looking for an investment that won’t give you the run-around every other week, think about investing in properties.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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All markets fluctuate based on external factors such as supply and demand. Your gold is worth one sum now, but in a few months might be worth much less or much more. It’s a little tricky to anticipate and keep track of where that value is going. 

The real estate market comes in cycles, too. A key factor in real estate as an investment, however, is that real estate tends towards gaining value, or appreciating, over time. The supply of property doesn’t really change too much, but the demand keeps growing because people always need a roof over their heads. 

The thing about this kind of market is that it ebbs and flows like tides. Sometimes, the appreciation that takes place is strong and fast, and other times, it’s gentler and slower. You have to have the ability to be patient. 

An option that’s going to be a good, safe idea in the long run would involve buying property and waiting to resell or refinance it. The value will come, it just takes time. You might be able to sell your property at 200% of the price you bought it for, but that kind of thing is typically going to take some years to get in motion. 

That’s alright! As long as you have that property, you can be making money through the numerous other profit centers of real estate, like cash flow. The trick with appreciation is that you need to be patient, and good things will come to you.

Another awesome factor in this is that, when you buy a property, you generally finance it through a bank, which can cover 75-90% of the cost of the real estate. So, when you buy a property worth 400,000, you might only put down 100,000 for the down payment (and closing costs, etc.) with the bank covering the rest. Let’s say that that property then appreciates by 10%. It gains 40,000 in value- that’s a 10% return on the total previous value of the property.

But it’s a 40% return on the 100,000 you put in. Nifty, yeah? Leverage and appreciation work together in wonderful ways.

But you’ll need to get started if you want to see the full effects. Since these things have such a timeframe, starting as soon as possible is key to watching your net worth grow and grow. 

Real estate is a fantastic investment for the short and the long term. You can make money every step of the way. You just need to get started!

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Real estate has a few things going for it that other types of investments don’t. You’ll recall that we’ve already talked about some of them, like the neat way that banks will help you out in investing in real estate by financing you via a mortgage. 

But mortgages aren’t all fun and games. Not only do you have to pay off the principal part of the mortgage (the actual amount borrowed), you also have to pay interest. Doesn’t sound great? Well, a great thing about real estate is that there’s a way around it. As the previous post mentioned, your tenants will be the ones paying the mortgage, not you. But there’s more to it than that. 

Most of the payments you make to your bank for the mortgage will be, at least in the beginning, going towards interest, rather than the principal. You want to get that whole mortgage, both principal and interest, paid off ASAP in order to reduce the expenses associated with the building and increase the profit margin of your cash flow. 

So, here’s what you gotta do. In addition to the regular payments you have to make towards the mortgage, it’s a good idea to make some extra payments to the bank, at least in the beginning, in order to knock out that interest as quickly as you can. That way, you can start chipping away at the principal portion of the mortgage, and start seeing your profits soar. 

And you’re not doing this alone. As previously stated, it’s your tenants’ money, not yours, that covers this bill. You just need to make sure you’re putting the cash where it needs to go.

Paying down your mortgage is a secret towards maximizing your real estate profits. It doesn’t seem as obvious at first as other profit centers like cash flow, but mark our words, if you play your cards right, you’ll be seeing some big savings on your property. And that, friend, is money in your pocket.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Cash flow is one of the simplest profit centers of real estate- it’s just straight-up profit. Cash flow refers to the money left over after all the expenses on the property are paid. The expenses associated with a property vary depending on what sort of property it is, but generally include:

• Mortgage
• Property Taxes
• Insurance
• Management
• Maintenance

These things can add up, but by charging appropriate rent on your property, you cover all these expenses and have cash leftover for yourself. Say the property’s expenses add up to about 1000 dollars a month. Charge 1200 for rent, and our cash flow is 200 dollars a month. Once you have a few properties, that profit starts to add up, too.

There are a few basic ways to max out your cash flow. You want to minimize your expenses, and a good way to do that is to pay off your mortgage as quickly as you possibly can. 

The mortgage is typically the largest expense on a property. So, once you get that beast out of the way, you reduce your expenses drastically. At that point you’ve drastically reduced your expenses, and thus, you get to keep a much bigger portion of that rent you’re charging. Awesome, right?

Another factor involved in your cash flow is the number of rental units you have on a single property. While a single family home provides a single stream of income, a duplex or a little apartment building presents you with several. In this way, you’re provided with a greater gross amount before expenses, and thus, the cut you have to give to the bank, insurance company, etc., has less of an impact on your profit.

Cash flow is one of the coolest profit centers in real estate, because it’s so passive. All you have to do is collect the checks. Renting out the property pays for itself if you do it right! So, make sure you’re doing it right! The rent you’re gathering for a property should always be greater than the expenses associated with that property. You don’t want to pay for a property you already own, right? You want it to pay you.

So, collect those checks, and keep your head on your shoulders. This part is so easy, it’s crazy.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

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Most people don’t buy property solely with the money they’ve got in their own pockets. It’s simply not necessary- if the bank is willing to back you up for part of the cost of the property, it just makes sense to let them help you in that way. This is a good deal for people who are buying homes just for themselves and their families, but an even better one when we start talking about people who are buying properties as investments.

The process of using borrowed capital to increase the return on an investment is called leverage. For most investors, this means borrowing money from a bank. When you set out to buy a property, the bank is generally willing to cover between 75 and 85 percent of the cost, with the rest being covered by a down payment made by the investor.

Leverage helps investors to get the most return possible on their investments by reducing the amount of money they have to put down up front, while in no way impacting the value the property might appreciate.

Think about this example. Let’s say a property is listed at 500,000, and the bank covers 80 percent of that. The investor only has to put in 100,000 as a down payment to start out. The property then appreciates in value by five percent, meaning it is now worth 25k more. The property’s value increased by only five percent, but the value of the investment increased by 25 percent.

How is that possible? Well, through the magic of leverage, the investor only paid 100k. The 25,000 they made was a return on the 100k, not the full price. Thus, the investor was able to make a profit of 25 percent instead of only 5 percent. Real estate is one of the only markets in which this is a possibility- the bank won’t pay for you to buy gold, but they will help you finance an investment in real estate. By letting them help you, you help yourself get the most bang for your buck.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.Our mission is to provide quality housing for quality tenants, while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

Patience is a virtue, but it’s also really, really nice when good things happen fast. That goes double for your finances and investments- it’s important to understand that making a profit can take time, but it also just makes sense to make an investment that will instantly increase your net worth. That’s not going to be the case for stocks, bonds, or mutual funds. Those types of investments require that you wait out whatever market forces are at play. Even then, there’s no guarantee.

An investment that you’re able to buy at less than its market value? That’s a smart way to go. When you make that investing choice, you’re automatically making money simply by owning the thing you own. But once again, that’s not going to happen with stocks or, indeed, most investments. However a stock is priced, that’s what you’re going to pay for it.

Real estate, however, isn’t necessarily like that. People sell their properties for less than their market value all the time! It may seem like an odd choice for them to make, but it starts to make sense once you think about it. There are plenty of reasons a person would want to get a property off their hands quickly rather than for top dollar. These reasons are usually simply a matter of needing money fast (say, if they’re going through a divorce and want to settle things smoothly), or of just not wanting to deal with the property any longer (like if they inherited a house they’re not interested in living in or renting out).

Regardless of why a seller wants to sell, buying property at a discount when you can is a great choice for investors. This scenario creates one of the many profit centers of real estate, called Instant Equity. Since the property is worth more than you invested in it, if you sell it at market value, you’ve already made money. Think of it as a kind of safety net. You’ve already made a situation for yourself where you’ve increased your own worth. If you run into any kind of problem with the property later on, you’ve at least got the guarantee that it’s worth more than you paid for it.

Real estate is one of the only markets where instant equity is even possible, because it’s one of the only markets where the prices of investments can be flexible. By buying into properties at a discount, you make money without even having to do anything. What’s not to love about that?

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants,
while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset,
and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

We make investments so that we have money to live on throughout our lives. Especially in retirement and old age, you want to benefit from the investments you made in early life and live off their return without having to worry about your finances. Smart decisions in early life are supposed to set you up to live comfortably when you make it to retirement.

The problem with investment options like RRSPs and mutual funds is that they deplete over time. As you use them, they will eventually run out of money. Not only are you depleting them by taking money out of them to live on, but you’re also taxed on the money you take out until there’s nothing left. Before you know it, your investment is gone. So, what was the point?

These programs are based on the assumption that you’ll be willing to live “under your means” in later life; it puts the impetus on you to reduce your quality of life in old age in order to save money and be able to afford to live during your retirement years. 

After you’ve worked hard your entire life, you deserve to retire comfortably without having to pinch pennies or stretch your investments to their last dollar.

Unlike tax deferred savings programs, real estate investments don’t deplete — they keep on giving. That’s why they’re the best investments to make throughout your life so that you don’t have to worry about money when it comes time to retire.

The best thing about real estate is that it appreciates in value. In many places, a $30,000 home in 1967 might now be worth over a million dollars. The longer you hold on to real estate, the more it’s worth. That means you can access that equity in later life and use it tax free to help support your retirement lifestyle.

Additionally, as you pay down the mortgage or financing on the property, your cash flow increases. Not only is the value of your investment appreciating the longer you have it, but you’re also getting to keep more money in your pocket once you’re no longer paying the bank.

You’re also able to pass on your investment properties to family, loved ones, or other heirs after you pass away. The intergenerational benefit of real estate means that your investment is safe and beneficial even after you’re gone.

If you don’t want to live a limited lifestyle in retirement, real estate is the best way to invest for your future. Why worry about your finances after you’ve worked so hard to support yourself for your entire life? Let your real estate investments do the work for you.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years. Our mission is to provide quality housing for quality tenants,
while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves. It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset,
and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.  Our mission is to provide quality housing for quality tenants,
while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset,
and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

There’s so much in life that’s outside of our control. And when you try to seize control, you might get accused of being a “control freak.” In general, we tend to think that the ability to go with the flow is a huge asset to managing our constantly changing and evolving lives.

But, there are times when being controlling is good. Investments are something we think of as a classic risk; you might win big or you might lose a lot and that high risk factor is what makes many stay away from investments that could be making them tons of money. But, what if you could be in control of your investments?

It’s true that some investment options like stocks or bonds are tricky, risky, and hard to be in control of. You’re at the mercy of the people who run those companies you’re investing in. You can’t control whether or not they make some mistake that costs them the company and costs you your investment. With traditional investments, you’re not in control of the business management, you only get to decide when to buy and sell. That uncertainty can be stressful.

The good news is, there’s an investment class that eliminates that uncertainty: real estate. Real estate provides ultimate control by putting the power in your hands to make the big decisions about your investment.

You can choose what kind of real estate you buy based on your specific needs, goals, and financial capabilities. There are plenty of options to choose from, from single family homes to commercial properties to raw, undeveloped land.

You get to choose where you buy real estate, which gives you the flexibility to evaluate different markets and choose the best one for you.

You get to decide when you want to buy real estate, putting full control of the price of your investment into your own hands. the market price is too high, you can wait for it to lower so that you get the most of your investment.

Lastly, how you buy real estate is extremely negotiable. You have the freedom to negotiate the terms and conditions of the property prior to purchase, which can make you feel secure in your investment.

As an investment class, real estate allows for maximum flexibility, while also giving you complete control of its value. If you find property at a discount, you can purchase it, put work into it, and profit immensely from your investment all without the help of a fund manager. With real estate, the value of your investment is in your hands.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.  Our mission is to provide quality housing for quality tenants,
while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset,
and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.

One of the great things about choosing to invest in rental properties over other forms of investments is that other people are going to be paying the bills for you! This is part of the real estate profit center we call “Cash Flow”.

It usually goes a little like this: An investor buys a property. They do this by providing a down payment from their own pocket, and securing the rest of the funds in the form of a mortgage from a bank. The investor is then able to rent out the property to renters, who will use it to live in, to work in, etc. The renters, by renting from the investor, actually give money to that investor. Thus, the investor is able to use the money they get from charging rent to pay back the mortgage they owe to the bank.

Think about how beautifully that’s set up! When you invest in rental properties, your bills can be covered by someone else. You don’t have to pull all the money out of your own pockets to cover your debts- you get paid for the public service you provide by renting out your properties to others who need them.

This is one investment where you shouldn’t have to worry about where your next payment is coming from. The rent payments cover the mortgage, and tenants also cover most utilities. This is the “Flow” in cash flow. The money moves around, and everyone gets something out of the deal.

The magic of rental properties doesn’t stop at simply helping investors break even, though! Properties often appreciate value as time goes on. The mortgage that’s owed to the bank, however, remains unchanged. Because of this, property investors can actually see their net worth increase over the course of time. Investors are able to increase rent prices to match the increased value of the property, and in this way can secure a good financial future for themselves and for their families.

Investing in rental properties is a smart choice for so many reasons. Wouldn’t it be nice to have an investment that other people are going to help you cover? Doesn’t it sound great to make an investment you don’t even have to pay for yourself? With real estate, that can be a reality.

investwithcaroline.com has been actively involved in the Ontario area real estate market investing for a number of years.  Our mission is to provide quality housing for quality tenants,
while at the same time providing an above-average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Caroline offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset,
and without the hassle of being a landlord, please contact Caroline.

For more information about Caroline and her investment program,
please call (905) 220-6425 and email her at caroline@investwithcaroline.com or visit https://investwithcaroline.com/.