As long as there is a real estate market, individuals have been coming up with ways to sucker folks into buying bad investments. It’s become therefore ingrained in our national consciousness that there’s even a funny kind of catch phrase that individuals use; tell me if you have heard this one…

“…yeah, and I’ve got some stunning swamp land to sell you down in Florida!”

Let’s face it – real estate investing on the whole isn’t the easiest factor in the world. And it will really be downright intricate and difficult sometimes and there are many ways that people will get tricked into making an investment that perhaps they should not make.

So how can we make sure that we don’t make stupid real estate investments? How can we also be certain we won’t be tricked into making an investment that is stupid and unprofitable? Really it’s easier than you may suppose and that is what I am going to discuss in this article.

So here are some things that ought to send up a warning flag in your mind. If you see these items then you must undoubtedly investigate more and probably walk away. In fact not all of these situations can mean that someone is making an attempt to trick you, it might simply be a bad investment… either means you must spend your time to get to the bottom of it before you create any sort of decision.

The primary thing to look at is low operating expenses. Typically sellers operate buildings themselves to get out of paying management fees. This lowers their operating expenses however if you purchase yourself, probabilities are that you’ll need to begin paying management fees making this a pleasant very little grey space that many people attempt to exploit.

Next observe property taxes. If somebody tells you that they’re paying property taxes that seem incredibly low, they’ll just be lying. You’d be amazed how usually folks just outright lie on matter such as this. You must go straight to the county offices and seek out for the tax records that are public information therefore you’ll be able to see before hand specifically how much property tax you’ll expect to pay in any given year. You can conjointly see if the current owner has not paid property taxes for the previous year or two.

Several times if the previous owner hasn’t paid, you’ll be charged for those property taxes so you have to lookout for that.

Energy efficiency is another issue to look for. Many times sellers claim that their building is energy efficient when after all it’s not. Talk to a local utility company to work out the particular energy costs of the building and then seek advice from the regulatory commissions to determine whether or not the local utility companies are scheduled to extend their rates anytime soon.

There are several ways that individuals may attempt to trick you in real estate investing. Armed with this information you should be in a position to fend them off without an excessive amount of trouble. Bear in mind, information is power and therefore the more you more knowledge you have about an investment, the less the probabilities that someone will trick you in getting into a bad investment.

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The edges from apartment and multifamily real estate investing are nice but one must note that it also takes great responsibility, particularly the responsibility of managing cash flow. If you are involved in apartment and multifamily real estate investing, then you will also be considering the duty title of landlord. While investing in apartment and multifamily real estate could be a great way to be in a position and make a lavish living, you want to think about many matters before getting yourself into this responsibility.

Before beginning any investment, including apartment and multifamily real estate, you’ll want to minimize risk and make sure that you are ready to earn positive cash flow as a landlord.

This entails determining a few key factors if you wish to take year long vacations whereas rent is collected and wealth is building.

1 – Find the proper place for potential tenants
To avoid head ache and wasted resources, make certain you’re taking the time match the tenant with the correct place. A tenant that feels sensible and is extremely enthused regarding their place will take the time to care for it as their own.

2 – Marketing your apartment and multifamily property
It is to your advantage if you got the flexibility to market and search the right demographics that you will desire residing in your property. I once heard a saying “millionaires build networks, the rest look for jobs.” The ability to network with the right individuals can assist you whenever you’re considering leasing house and investing in alternative property.

3 – How to manage cash flow and pay off loans against property
True positive cash flow isn’t reached until you own your apartment or multifamily property free and clear and not having to use the rental to pay mortgages. Knowledgeable investors manage cash flow and use banking strategies that increase equity and pay off property free and clear during a fraction of the time.

4 – Do you have what it takes?
If you already have decided to be a landlord and invest in apartment and multifamily property, you need to make sure you’re made for it. Ask yourself if you are robust enough to put up with the various personalities and issues like paying rent late, having no concern of the property, and other troubles will usually come up. Successful apartment and multifamily property homeowners address different situations effectively. Make sure that you’re in a position to seek out the correct resolution to handle the various needs of everyone.

For certain being a landlord and owning apartment and multifamily property will earn you huge wealth. When you’ve got correct individuals in proper places, there’s no work. You only collect rent. Most apartment and multifamily property owners, if they have a bigger range of properties, put in place property managers to take care of extra concerns that come up. If you’re in a position to invest, mature and manage cash flow efficiently with multiple properties, then you may earn the flexibility to get a year long vacation while the rent is continuously collected.

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Given the dynamics of the real estate sector at the present time, you should be doing anything it takes to make sure that your real estate business is rock solid, even in a recession. This is clearly difficult but having a presence for your real estate business on the web will absolutely help you work towards this goal.

At one time, buying a house seemed easy enough for both buyer and seller. The buyer would go to the real estate office, chat with a real estate professional, ask about several properties and then visit the properties that look promising. If everything looks good, the sale is made.

Things are a little more difficult now. The real estate sector has been going southwards for some time now and buyers know that the market is in their favor. Prospective house hunters are now looking at a lot of criteria and doing their research before committing to anything. Besides that, buyers do not wish to spend their time at real estate offices anymore.

Now obviously having a physical address for your real estate business is great but could it be suffering by not having a Web site? If we are honest with ourselves, we would have to say yes. By not having a Web site you are leaving money on the table. We could also say by not having a Website, you are putting money into the real estate professionals that do have Web page. If a real estate professional wishes to be successful and tap into all target markets and reach as many prospects as they can, then it is going to need a Blog.

Today people want information and they are accustomed to getting this information online with a couple clicks. Why not give them what they want? OK, so you are not the first one to market real estate online, but do you really want to be the one who never takes advantage of the Internet? You have something to offer home buyers so make sure they see everything you have to offer them.

Your goal at the end of the month is to make money. You want to make money through your business and leveraging the Internet is a wise way to bring in additional revenue. Once your Web page is online you will need to spend some time developing it. Yes, there is work involved, but it is well worth it.

You want to make sure that your information is correct, your images are clear and that the buyers have an easy way to contact you via your Web site. Answering as many questions online saves the buyer and real estate professional time later on. There should be no doubt that a real estate business can benefit from having its own Website.

I highly recommend using a WordPress Blog to get your Real Estate information in front of customer. I use GVO Hosting for my real estate websites and it provides me with all of the tools including unlimited hosting, wordpress blogs, video hosting, auto repsonder, and even a online conference room so I can meet my clients online and share with them more information. This is a 10 seat conference room with video, voice over ip, chat and desk top sharing.

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If your like most of us, your probably focused on growing your retirement account with as great a return as you possibly can. This is especially true because of the current trend of businesses and corporations turning away from managing their employee’s retirement accounts.

Even if you currently have an adequate retirement account, diversifying or supplementing your current investment plan through IRA real estate investing can give a tremendous boost to your retirement investing.

There are a several keys that unlock the door to the new horizons that IRA real estate investing can provide.

First, you must have a custodian that is experienced and knowledgeable about IRA investing in real estate. This is because you must follow special IRS rules for IRA real estate investing. If these rules are violated you can lose the tax advantages that your IRA provides. Because of this most custodians shy away from overseeing IRA investing in real estate despite the stellar returns that IRA investing in real estate can bring to there clients.

The majority of custodians are actually experts in other areas and professions, many are moonlighting so to speak as IRA custodians. For instance their main job may be as stock brokers or bank employees.

Traditionally IRA’s and other retirement accounts have concentrated on the usual investment vehicles, stocks, bonds, mutual funds. The IRA investing in real estate concept maybe totally foreign to them. They are simply more comfortable with the traditional IRA investments.

Secondly, you need a self-directed IRA account, because most traditional IRA custodians don’t allow clients to invest in real estate. This may seem strange since the IRS IRA rules definitely allow IRA real estate investing as an option. But as stated above most custodians and brokerages are simply unskilled with real estate and the rules that govern there use in retirement accounts. Again this is why choosing the right custodian is so crucial to your investment success.

If you don’t currently have a self-directed IRA account, a good custodian can walk you through setting up one. They can also direct you in how to use a rollover IRA to move funds from other retirement accounts so they may be used to take advantage of IRA real estate investing. One such custodian that has provided I and my clients tremendous service and support is Equity Trust.

Third and probably the most crucial is experience with IRA real estate investing.

This is the steam that powers the whole engine, without it you run a high possibility of losing your had earned money instead of growing it for your retirement.

If you have experience in this area you may be able to navigate the process with no trouble. But if you are not skilled in this area you will need competent advise and consulting to choose the correct investments.

Luckily there are a small number of professional real estate investors with proven track records and experience with IRA investing in real estate.

The combination of a top notch custodian, experienced real estate advisors and the proper type of account for IRA investing in real estate can not only keep you afloat in the wake of the current stock market volatility but, if the right real estate is carefully selected it has the potential to turn your raft into a yacht.

So there you have it, I urge you to take action on this little known powerhouse strategy of IRA real estate investing.

When it comes to real estate, the topic of the day is the downturn in the market, the number of people losing their homes, and how much this is going to hurt the economy. In the seventeen years I have been in the real estate business, I have witnessed every fluctuation the market has to offer. While it is true that many property owners are enduring trying times, rarely does the same happen to knowledgeable real estate investors.

There are those individuals who remain emotionally unattached and invest wisely in real estate. As a result, they live a very comfortable, if not lavish, lifestyle. Investing in real estate, especially during a downturn, can widen an investor’s opportunities and bring about lucrative returns. This is a truth. If you are thinking about becoming a real estate investor or have already made the decision to start, the following information is priceless.

Wanting to secure a comfortable financial future, most of us go to work every day hoping to build a nest egg. Since, it is common knowledge that real estate investors have the capacity to not only build a nest egg but also create a fortune, why aren’t more people joining the ranks of real estate multimillionaires? Why aren’t there more people fighting for a seat on the real estate bandwagon?

Well, the truth behind real estate investing is that it is a business and therefore, must be treated like one for it to prosper. Just like any other promising venture, investing in real estate requires a well-defined vision, a strategic plan, and an entrepreneurial mindset. Even with the overwhelming evidence revealing success, only a microscopic segment of the population is willing to take the risk, do the work and follow through. The rest simply watch and call those of us doing the work “Lucky”.

When I began my career in real estate, I didn’t have a plan. I didn’t invest. I didn’t even see past my next commission check. What kept me hanging on was a desire to live like the people I worked for, most of whom were real estate investors. Years later, I committed to create serious wealth through real estate. As soon as I mindfully committed to my goal, I began to make deals and more money than ever before.

By choice, I am not one of those investors who vacations six months out of the year. I work all the time meeting with clients, looking at properties and refining my strategy. Add to that a growing number of mentoring/coaching clients and my schedule is officially full. Nevertheless, I am continuously increasing my net worth as I am doing something that never feels like work.

Besides creating amazing wealth, being your own boss and having a place or two to call home, owning a real estate investing business has many other advantages. The following five play a special role for the novice investor.

1. Safe Investment

When we use a timeline to compare the real estate market to other investments, such as the stock market, it is easy to see that real estate continues to increase in value over time without any serious instability. Although, there is currently a housing crisis in various parts across the country, every indicator points out that what we are actually experiencing is a readjustment of highly inflated real estate prices. Just as prices may be dropping, in time they will undoubtedly increase. In contrast, the stock market has put investors through a dizzying rollercoaster ride made up of swift highs and abrupt lows throughout history. Regardless of what type of market we are in, it is clear that an investment in real estate guarantees a profit over time.

2. No Cash Necessary

For beginning real estate investors, sometimes the only investment they can make is their time. For every real estate investor, finding a lucrative deal is as good as striking oil. There are plenty of seasoned investors with money in their pockets itching to buy a piece of discounted property. Wholesalers often utilize this method. Therefore, if you are new to the game, consider finding a deal, tying it up and connecting with an investor who can take it off your hands…for a price, of course.

3. Almost Anyone Can Do It

Real estate is such a lucrative field that it opens doors to countless amateur investors everyday. There are how-to books and seminars at every turn teaching would-be investors a myriad of ways to make huge profits in the real estate market. While it is true that overnight success is practically unheard of, anybody with the heart, mind and determination can make it big in real estate. The keys are to continue learning and to monitor market conditions.

4. Leveraging Power

While novice investors can turn a quick profit by wholesaling their deals, Buy-and-Hold investors can yield a profit by borrowing against (leveraging) their properties. Typically, lenders will allow holders of owner-occupied property to borrow up to ninety-five percent of their property’s value and up to eighty-percent of non-owner occupied units. This means that you can either purchase property with a minimal out-of-pocket investment or acquire financing that will allow you to pull cash out of your property’s equity to use for future ventures.

5. Tax Breaks

The popular 1031 exchange and depreciation are just two of them. The United States government has set up multiple tax breaks favoring real estate investors. Owning real estate with the goal of making a profit allows you to deduct interest payments, repairs, and vacancies among other expenses when preparing your tax return. It is important to note that purchasing real estate makes economic sense; it should not be purchased solely for the tax benefits.

Ultimately, owning a real estate business is the way to achieve financial freedom regardless of economic conditions. Whether you quit your job and dive right in or you work at it in your spare time, you can make it happen. Worthwhile benefits are waiting faithfully for the taking.

Investing in real estate is one of the few ways for the average person to gain wealth. Can you become rich overnight? Not very likely. Real estate investing should be considered a long term strategy that can gain you tremendous amount of wealth over time but you must do your homework first. The majority of people that are getting into the real estate investing market are simply purchasing a home in an area that they are familiar with and then wonder why they are not rich after a couple of years.

Do a search on the internet for real estate investing and you will find hundreds of ways to get rich quick through real estate investing. And it’s true, if you are selling books, DVDs or real estate seminars you can become wealthy in a short period of time. If you are investing in real estate it is just not going to happen without the proper up front research.

There are three main points you must consider before purchasing your first property and they are location, location, location. This is a rather simplistic view of real estate investing but it has never been more true than today. Thousands of people are getting into the real estate market, and yet over 90 percent of the foreclosures in the market today are from non owner occupied homes. This means that people that have purchased a vacation home or purchased a second home for investment purposes have gotten into financial trouble. This Usually happens because they did not purchase that asset in the correct location at the correct time. So the question is, how do you find the correct location to invest?

Any locations can be the correct location to invest in real estate as long as the timing is right. There are four cycles of real estate investing and the cycles can run from 7 to 40 years depending the the intelligence of the local government. These cycles are Buyers Stage 1,

Buyers Stage 2, Sellers Stage 1 and Sellers Stage 2.

Buyers Stage 1 – strategy buy and hold.

1. Oversupply of properties on the market.

2. Prices and rents are falling.

3. You will see a spike in the properties time on the market.

4. Unemployment is at its highest.

5. New construction is overpriced and sales are stagnant.

6. Construction jobs are at an all time low.

7. Foreclosures are at its highest rate.

8. Investment properties are not being purchased or being purchased at a slow rate.

Buyers stage 1 is a declining market and you will need to shop around for a good investment because you do not know how low the market will go. If the local government is not taking action at this point then the market turnaround will be delayed and more care will be needed taken. Always purchase a new property with a lot of equity and a good cash flow to help minimize your risk.

Buyers Stage 2 – strategy buy and hold – also known as the Millionaire Maker.

1. No new construction.

2. Demand for housing is increasing sharply.

3. Properties time on market is decreasing.

4. Rents and Prices for property are at its lowest.

5. Foreclosures are starting to decrease.

6. Job growth is increasing.

7. Rehabbers are purchasing an increasing number of properties.

8. Fewer properties are getting on the market.

9. Demand for properties is increasing because buyers are able to qualify at the low prices.

Buyers stage 2 only happens after the local government is starting to attract new business into the area. For every one new job brought into the area three new jobs are created. These newly created jobs are the butchers, bakers and candlestick makers. In other words the support jobs that are needed to service the new people in the area. I believe that the most important thing to watch for in this market is the job growth rate. New people coming into the area will require housing which will drive up the price. Your local economic adviser counsel is a good place to look.

Sellers Stage 1 – strategy buy and sell quickly.

1. Demand for property is increasing.

2. The time on market for properties in decreasing.

3. Property taxes are on the rise.

4. Unemployment in decreasing.

Sellers stage 1 is a very risky time to be investing in property because you do not know how long before the sellers stage 2 will occur. Be sure you know the signs of the next phase so you can get out of the market at the best time.

Sellers Stage 2 – strategy sell, sell, sell.

1. Supply of properties has sharply increased.

2. Time on market is increasing.

3. Construction of new homes is increasing.

4. New job growth is slowing.

5. New real estate investors are jumping in.

6. First time home buyers are increasing.

One of the ways to watch for new construction of new homes is to check with the local building permits department. You will be able to pick up some good deal from the new first time real estate investors that jump in during the sellers stage 2 market. Always do your home work prior to investing in real estate.

You’ve got a Roth IRA and you’re thinking a lot lately about returns on your IRA when times get tough, like now. One of the best investments for any IRA, including a Roth IRA, is in real estate.

Believe it or not Roth IRA investments in real estate are STILL the single best investment you can make right now in 2009, when the economy is terrible and the real estate market in turmoil.

But surely you wouldn’t make a Roth IRA real estate investment in the current market? The real estate market is in meltdown. Why would you invest your retirement plan in a real estate market that looks a little like the Titanic, going down.

Real estate as an investment is alive in well in 2009, whether you’ve got a Roth IRA or any sort of employer sponsored retirement plan.

Of course you always need to examine your plan and see what investments are allowed. With many plans you have a limited or non existent right to invest your own retirement funds yourself, or if you do you can only invest in a limited range of investments.

For example many IRAs are with custodians that allow only traditional stocks and bonds and CDs as investments, and usually they try and direct your retirement funds into investments in their own products.

So the first thing you need to do before investigating investing your retirement plan is to make sure you’re allowed to invest in real estate, yourself. So you may need to do a rollover if you’ve got, say, a traditional IRA or perhaps an employer sponsored retirement plan or even a 401(k). Rollover into a fund that allows you to invest yourself, into real estate, and you’re way ahead preparing for your retirement.

Of course you should get some solid financial advice from your financial advisor before you undertake any rollover to make sure you do it right, and there are various Roth IRA websites you can use to educate yourself on rollovers and Roth IRA rules.

If you’ve got a self directed Roth IRA right now you should be able to invest in real estate now, but check with your financial advisor first.

So, back to Roth IRA investments in real estate in 2009. Why would you?

Firstly, real estate investments have created, it is estimated, around 80% of the wealth in the US today. Real estate offers a better long term opportunity for a good return on investment, both from rental returns and capital growth, than any other form of investment. Real estate allows you to borrow larger amounts more safely, and if you’re investing through a Roth IRA it also allows you to invest tax free due to the significant tax advantages afforded to formal retirement funds like IRAs and 401(k)s. Even on a marginal tax rate there are significant tax advantages to investing for your retirement through a formal retirement fund.

And real estate offers excellent returns even in 2009. Because, although the real estate market is in general decline, there are pockets of the real estate market that still offer significant opportunities for an excellent rate of return from an investment, income tax free.

But be warned, unless you’re an extremely experienced investor you’re likely to get burned. Professional real estate investors know where to look and how to buy to make significant gains in a market like this, but unless you’re a professional real estate investor you’re playing with fire.

One professional real estate investment company is hitting some solid home runs right now. Investing in simple middle class housing and refurbishing each home, adding value to the neighborhood by building parks and playgrounds and making homes more attractive to prospective tenants and buyers, this company is creating it’s own capital gains. Investors, including Roth IRA investors, are securing no money down properties with immediate equity of 15% – 20%, guaranteed returns and the backing of a respected, solid, listed US public company that has an envied record in real estate.

So if you’re wondering about your retirement, and concerned about current financial conditions, there are options. Roth IRA investments in real estate are a solid, long term stable investment strategy, even in current economic conditions.

But unless you’re an experienced professional real estate investor don’t start making any Roth IRA investments in real estate yourself. Let the professionals who know how to create value in the current market do it for you.

Okay, ten minutes is a guess. You might absorb what I have to say and thereby become better at real estate investing in less time if you’re a fast reader.

Shall we get stared?

Acknowledge the Basics

Real estate investing involves acquisition, holding, and sale of rights in real property with the expectation of using cash inflows for potential future cash outflows and thereby generating a favorable rate of return on that investment.

More advantageous then stock investments (which usually require more investor equity) real estate investments offer the advantage to leverage a real estate property heavily. In other words, with an investment in real estate, you can use other people’s money to magnify your rate of return and control a much larger investment than would be possible otherwise. Moreover, with rental property, you can virtually use other people’s money to pay off your loan.

But aside from leverage, real estate investing provides other benefits to investors such as yields from annual after-tax cash flows, equity buildup through appreciation of the asset, and cash flow after tax upon sale. Plus, non-monetary returns such as pride of ownership, the security that you control ownership, and portfolio diversification.

You’ll need capital, investing in real estate does have risks, and investment real estate can be management-intensive. Nonetheless, real estate investing is a source of wealth, and that should be enough motivation for us to want to get better at it.

Understand the Elements of Return

Real estate is not purchased, held, or sold on emotion. Real estate is not about love; it’s about a return on investment. As such, prudent real estate investors always consider these four basic elements of return to determine the potential benefits of purchasing, holding on to, or selling an income property investment.

1. Cash Flow – This is determined by the amount of money collected from rents and other income less operating expenses and loan payment. Furthermore, real estate investing is all about the investment property’s cash flow. You’re buying income stream, therefore be certain that the numbers you use to calculate cash flow are truthful.

2. Appreciation – This is the growth in value of a property over time, or future selling price minus original purchase price. The fundamental truth to understand about appreciation, however, is that real estate investors buy the income stream of investment property. It stands to reason, therefore, that the more income you can sell, the more you can expect your property to be worth. In other words, make a determination about the likelihood of an increase in income and throw it into your decision-making.

3. Loan Amortization – This means a periodic reduction of the loan over time leading to increased equity. Because lenders evaluate rental property based on income stream, when buying multifamily property, present lenders with clear and concise cash flow reports. Properties with income and expenses represented accurately to the lender increase the chances the investor will obtain a favorable financing.

4. Tax Shelter – This signifies a legal way to use real estate investment property to reduce annual or ultimate income taxes. No one-size-fits-all, though, and the prudent real estate investor should check with a tax expert to be sure what the current tax laws are for the investor in any particular year.

Do Your Homework

1. Form the correct attitude. Dispel the thought that investing in rental properties is like buying a home and develop the attitude that real estate investing is business. Look beyond curb appeal, exciting amenities, and desirable floor plans unless they contribute to the income. Focus on the numbers. “Only women are beautiful,” an investor once told me. “What are the numbers?”

2. Develop a real estate investment goal with meaningful objectives. Have a plan with stated goals that best frames your investment strategy; it’s one of the most important elements of successful investing. What do you want to achieve? By when do you want to achieve it? How much cash are you willing to invest comfortably, and what rate of return are you hoping to generate?

3. Research your market. Understanding as much as possible about the conditions of the real estate market surrounding the rental property you want to purchase is a necessary and prudent approach to real estate investing. Learn about property values, rents, and occupancy rates in your local area. You can turn to a qualified real estate professional or speak with the county tax assessor.

4. Learn the terms and returns and how to compute them. Get familiar with the nuances of real estate investing and learn the terms, formulas, and calculations. There are sites online that provide free information.

5. Consider investing in real estate investment software. Having the ability to create your own rental property analysis gives you more control about how the cash flow numbers are presented and a better understanding about a property’s profitability. There are numerous software solutions to choose from online.

6. Create a relationship with a real estate professional that knows the local real estate market and understands rental property. It won’t advance your investment objectives to spend time with an agent unless that person knows about investment property and is adequately prepared to help you correctly procure it. Work with a real estate investment specialist.

There you have it. As concise an insight into real estate investing as I could provide without boring you to death. Just take them to heart and you should be fine. Here’s to your investing success.

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Owing a home is a big part of the American dream. But not everyone is fortunate enough to become a homeowner due to delimiting factors such as insufficient income, bankruptcy, bad or no credit, loss of employment, etc. For people with such troubles, owning a home is a distant dream and some of these people resign themselves to a lifetime of renting. But such people are not without options. Rent-to-own, which is also known as a lease-purchase option, can be an excellent alternative available to some people who are currently unable to buy a home.

A rent-to-own or lease-purchase option is an agreement between a prospective home buyer and a home seller. The agreement is basically a rental contract with a right to purchase the property after a period of time (usually 1 year). When a home seller offers a lease-purchase option, what they are really offering is the option to rent the house at some monthly rate, and to lock in the sales price of the home now, even though the prospective buyer would not actually purchase the house until a later time (if at all).

Here is a hypothetical example. Let’s say the monthly rent for a home is $1700. Under a lease-purchase option, a prospective buyer would rent the home for the $1700 a month, but would also pay an additional premium (e.g., $200-$300) every month for the option to buy the home after a period of time (usually 1 year). So in this example, the total monthly rent is actually $2000, but $200-$300 of the money will be applied toward buying the house at a later time. In other words, the home seller would apply the $200-$300 extra paid every month toward the prospective buyer’s down payment at the end of the year.

The good news for prospective home buyers is that it allows them to lock in the purchase price of the home now, even though they are not purchasing the home until a later time. The bad news is that if a buyer decides not to purchase the home at the end of lease term, the seller often keeps the premium amount paid over the year, although this is usually a point of negotiation.

Prospective home buyers should know that many of the terms described above are negotiable such as how much the monthly rent will be, how much extra has to be paid every month for the option fee (if any), the length of the lease term, etc. The other issue to consider is if it makes sense to lock in a home purchase price now in markets where real estate prices are still declining.

When compared to renting, a lease-purchase can be an attractive alternative because it gives prospective buyers an opportunity to own a home before they normally would be able to. There are some advantages to a lease-purchase option such as:

1) Low or No Initial Down Payment. Many lease-purchase options do not require an initial down payment.

2) Equity Advantage. At the end of the lease term, the value of a home may have appreciated over time, which benefits the purchaser.

3) Living Experience. Prospective home buyers have the opportunity to try out a home and neighborhood before purchasing the property.

4) Leverage Advantage. With just a small investment, a prospective buyer can control a property; yet still have the option of not buying the home if market conditions don’t warrant it.

Rent-to-own or lease-purchase option can be an effective strategy to home ownership. However, there are both positive and negative aspects to this type of approach (as described above). A good real estate agent can help you navigate the complex world of rent-to-own and lease-purchase option properties.