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Invest in Luxury Home sales and hotel rooms. Earn over $50,000 per deal
#1
Invest in hotel rooms and Luxury Home Deals.
Get Your Hotel Project Funded By Award-Winning International Investors $7M-$500M+ Award-Winning Team of Investors. Int'l Market Leader. Customized Funding Pkg. No Retainer Fees. No Upfront Fees. Fast Response.

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Did you know? We allow anyone from any country to buy one or more rooms in our luxury boutique hotels and earn a substantial monthly income.

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You can resell the property any time you wish, and we even offer a buy-back guarantee. We offer in-house financing so you can buy a hotel room with low monthly payments.

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Invest in beachfront real estate abroad and receive up to 20% yearly ROI through rentals. Did you know you can buy rooms in a fully managed luxury hotel and earn monthly income?



Downtown Toronto has been a great place for condo investors. Investing in downtown Toronto comes with high appreciation, and a high demand in the rental market. The way that most of the condo investors in downtown Toronto can rent their condos very quickly.

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Whether real estate investors use their properties to generate rental income, or to bide their time until the perfect selling opportunity arises, it's possible to build out a robust investment program by paying a relatively small part of a property's total value upfront. And as with any investment, there is profit and potential within real estate, whether the overall market is up or down.

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International Investment Opportunities
Send us a private message on this community.

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Traditionally, you had to have a lot of cash on hand to buy property, but crowdfunding has changed that. The crowdfunded real estate company Fundrise enables you to add real estate to your portfolio without a large amount of capital. In fact, you can invest in real estate through Fundrise with as little as $500.

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#2
The Average New Mortgage Amount Is $411,400 -- Can You Swing It?
Home values are rising, and buyers are borrowing more money to keep up with them.

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There's a reason so many buyers are struggling to purchase a home today. Inventory is extremely tight, and home prices have soared as a result. Not surprisingly, today's buyers are taking on higher mortgages to account for that.

Earlier this month, the average mortgage for a new home purchase reached $411,400 -- the highest home loan amount since February. But can you swing a mortgage that size? And how much of a mortgage should you feel comfortable taking on? Here's how to figure it out.
Start your journey to financial success with a bang

Get free access to the select products we use to help us conquer our money goals. These fully-vetted picks could be the solution to help increase your credit score, to invest more profitably, to build an emergency fund, and much more.

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How much house can you afford?

As a general rule, it's a good idea to keep your monthly housing costs to 30% of your take-home pay or less. That way, you'll leave yourself enough room in your budget to cover your remaining expenses.

That 30% threshold, however, is not meant to cover a mortgage payment of principal and interest alone. Rather, that 30% should include all predictable monthly housing expenses you'll incur. These include:
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To give yourself even more wiggle room in your budget, you may want to lob predictable home maintenance into that 30% threshold, too. As a general rule of thumb, home maintenance costs 1% to 4% of a home's value each year, and the older your home, the more you'll want to veer toward the higher end of that range. For example, say you buy a 100-year-old property that's not very updated, and it's worth $400,000. In that case, you could easily spend up to 4% of that amount, or $16,000 a year, on home maintenance. That's a little more than $1,300 a month.

On the other hand, if you buy a new construction home worth $400,000, your yearly maintenance costs might amount to just $4,000, or $333 a month. It's up to you whether you want to factor maintenance into your 30% calculation. If you do, you might stress less when other bills of yours climb.
Crunch the numbers

So now that you know about that 30% target, how can you figure out how much of a mortgage to take on? Just pull up a mortgage calculator and input your down payment, the length of your repayment period, and the interest rate you think you'll qualify for. You can check out today's mortgage rates to see where they stand on a national level, keeping in mind that the stronger your credit score, the lower a rate you're likely to get.

Now, say you have $50,000 on hand for a down payment and you think you'll qualify for a mortgage rate of 3.17% on a 30-year fixed loan. That's the average rate for that loan term as of this writing. If you're looking at a $250,000 home, that means you'll borrow $200,000, which leaves you with a monthly payment of $861 for principal and interest on your loan.You can use that number to help figure out whether a $200,000 loan works for you.

Of course, this is just one example, and you'll notice that it's much lower than the average $411,400 mortgage that was signed last week. But one thing to keep in mind about that figure is that there's a larger supply of higher-priced homes on the market today than starter homes or lower-priced properties. That could be skewing the average mortgage amount upward.

In fact, you shouldn't even think of pushing yourself to sign a $411,400 mortgage, or anything in that vicinity, if you know it's out of your price range. Overextending yourself in the course of buying a home could land you in unhealthy debt if you fall behind on your other bills, and it could put you at risk of losing your home if you struggle to keep up. You're better off running the numbers and landing on an affordable home loan that works for you.
A historic opportunity to potentially save thousands on your mortgage

Chances are, interest rates won't stay put at multi-decade lows for much longer. That's why taking action today is crucial, whether you're wanting to refinance and cut your mortgage payment or you're ready to pull the trigger on a new home purchase.




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Mercedes-Benz Downtown is one of the corporately-owned Mercedes-Benz Toronto Retail Stores in the Greater Toronto Area. Offering trustworthy customer service, Mercedes-Benz Downtown is outfitted with 25 service bays to accommodate all of your maintenance and repair needs.


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Welcome to Mercedes-Benz Downtown
https://www.mercedes-benz-downtown-toronto.ca/

Your dealership in the heart of Toronto


Located in Toronto’s bustling downtown at 761 Dundas Street East, Mercedes-Benz Downtown is always on your way. Mercedes-Benz Downtown is one of the corporately-owned Mercedes-Benz Toronto Retail Stores in the Greater Toronto Area.


Unparalleled service, close to everything

Offering trustworthy customer service, Mercedes-Benz Downtown is outfitted with 25 service bays to accommodate all of your maintenance and repair needs. Our Mercedes-Benz certified technicians use only genuine Mercedes-Benz parts to maintain the quality, integrity, and performance of your vehicle at all points.

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More options, just for you


With a 3-story showroom and a comprehensive inventory of vehicles, Mercedes-Benz Downtown has the model you’ve been dreaming of. Whether you’re looking for a new Mercedes-Benz, or you simply want a newer version of the model you’ve loved for years, our team will guide you through the wide selection of new and certified pre-owned models we have in stock. Once you’ve found your next Mercedes-Benz, our finance team will arrange the loan or lease package that makes the most sense for your unique needs.

761 Dundas St. East,, ON , Toronto, ON M5A 4N5
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#3
5 Simple Ways to Invest in Real Estate

Buying and owning real estate is an investment strategy that can be both satisfying and lucrative. Unlike stock and bond investors, prospective real estate owners can use leverage to buy a property by paying a portion of the total cost upfront, then paying off the balance, plus interest, over time.

While a traditional mortgage generally requires a 20% to 25% down payment, in some cases a 5% down payment is all it takes to purchase an entire property. This ability to control the asset the moment papers are signed emboldens both real estate flippers and landlords, who can, in turn, take out second mortgages on their homes in order to make down payments on additional properties. Here are five key ways investors can make money on real estate.

Key Takeaways
  • Aspiring real estate owners can buy a property using leverage, paying a portion of its total cost upfront, then paying off the balance over time.
  • One of the primary ways in which investors can make money in real estate is to become a landlord of a rental property.
  • People who are flippers, buying up undervalued real estate, fixing it up, and selling it, can also earn income.
  • Real estate investment groups are a more hands-off way to make money in real estate.
  • Real estate investment trusts (REITs) are basically dividend-paying stocks.
1:40
5 Simple Ways To Invest In Real Estate

1. Rental Properties
Owning rental properties can be a great opportunity for individuals with do-it-yourself (DIY) and renovation skills, and have the patience to manage tenants. However, this strategy does require substantial capital to finance up-front maintenance costs and to cover vacant months.


Pros
  • Provides regular income and properties can appreciate
  • Maximizes capital through leverage
  • Many tax-deductible associated expenses
Cons
  • Can be tedious managing tenants
  • Potentially damage property from tenants
  • Reduced income from potential vacancies
According to U.S. Census Bureau data, sales prices of new homes (a rough indicator for real estate values) consistently increased in value from 1940 to 2006, before dipping during the financial crisis. Subsequently, sales prices resumed their ascent, even surpassing pre-crisis levels.12 It remains to be seen what the longterm effects of the coronavirus pandemic will be on real estate values.

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Source: Survey of Construction, U.S. Census Bureau

Mortgage lending discrimination is illegal. If you think you've been discriminated against based on race, religion, sex, marital status, use of public assistance, national origin, disability, or age, there are steps you can take. One such step is to file a report to the Consumer Financial Protection Bureau or with the U.S. Department of Housing and Urban Development (HUD).
2. Real Estate Investment Groups (REIGs)
Real estate investment groups (REIGs) are ideal for people who want to own rental real estate without the hassles of running it. Investing in REIGs requires a capital cushion and access to financing.

REIGs are like small mutual funds that invest in rental properties. In a typical real estate investment group, a company buys or builds a set of apartment blocks or condos, then allows investors to purchase them through the company, thereby joining the group.

A single investor can own one or multiple units of self-contained living space, but the company operating the investment group collectively manages all of the units, handling maintenance, advertising vacancies, and interviewing tenants. In exchange for conducting these management tasks, the company takes a percentage of the monthly rent.

A standard real estate investment group lease is in the investor’s name, and all of the units pool a portion of the rent to guard against occasional vacancies. To this end, you'll receive some income even if your unit is empty. As long as the vacancy rate for the pooled units doesn’t spike too high, there should be enough to cover costs.

Pros
  • More hands-off than owning rentals
  • Provides income and appreciation
Cons
  • Vacancy risks
  • Similar fees as mutual funds
  • Susceptible to unscrupulous managers
3. House Flipping
House flipping is for people with significant experience in real estate valuation, marketing, and renovation. House flipping requires capital and the ability to do, or oversee, repairs as needed.

This is the proverbial "wild side" of real estate investing. Just as day trading is different from buy-and-hold investors, real estate flippers are distinct from buy-and-rent landlords. Case in point—real estate flippers often look to profitably sell the undervalued properties they buy in less than six months.

Pure property flippers often don't invest in improving properties. Therefore, the investment must already have the intrinsic value needed to turn a profit without any alterations, or they'll eliminate the property from contention.

Flippers who are unable to swiftly unload a property may find themselves in trouble because they typically don’t keep enough uncommitted cash on hand to pay the mortgage on a property over the long term. This can lead to continued, snowballing losses.

There is another kind of flipper who makes money by buying reasonably priced properties and adding value by renovating them. This can be a longer-term investment, where investors can only afford to take on one or two properties at a time.

Pros
  • Ties up capital for a shorter time period
  • Can offer quick returns
Cons
  • Requires a deeper market knowledge
  • Hot markets cooling unexpectedly
4. Real Estate Investment Trusts (REITs)
A real estate investment trust (REIT) is best for investors who want portfolio exposure to real estate without a traditional real estate transaction.

A REIT is created when a corporation (or trust) uses investors’ money to purchase and operate income properties. REITs are bought and sold on the major exchanges, like any other stock.3

A corporation must payout 90% of its taxable profits in the form of dividends in order to maintain its REIT status. By doing this, REITs avoid paying corporate income tax, whereas a regular company would be taxed on its profits and then have to decide whether or not to distribute its after-tax profits as dividends.4

Like regular dividend-paying stocks, REITs are a solid investment for stock market investors who desire regular income. In comparison to the aforementioned types of real estate investment, REITs afford investors entry into nonresidential investments, such as malls or office buildings, that are generally not feasible for individual investors to purchase directly.

More important, REITs are highly liquid because they are exchange-traded. In other words, you won’t need a realtor and a title transfer to help you cash out your investment. In practice, REITs are a more formalized version of a real estate investment group.

Finally, when looking at REITs, investors should distinguish between equity REITs that own buildings, and mortgage REITs that provide financing for real estate and dabble in mortgage-backed securities (MBS). Both offer exposure to real estate, but the nature of the exposure is different. An equity REIT is more traditional, in that it represents ownership in real estate, whereas the mortgage REITs focus on the income from mortgage financing of real estate.

Pros
  • Essentially dividend-paying stocks
  • Core holdings tend to be long-term, cash-producing leases
Cons
  • Leverage associated with traditional rental real estate does not apply
5. Online Real Estate Platforms
Real estate investing platforms are for those that want to join others in investing in a bigger commercial or residential deal. The investment is done via online real estate platforms, also known as real estate crowdfunding. It still requires investing capital, although less than what's required to purchase properties outright.

Online platforms connect investors who are looking to finance projects with real estate developers. In some cases, you can diversify your investments with not much money.

Pros
  • Can invest in single projects or portfolio of projects
  • Geographic diversification
Cons
  • Tends to be illliquid with lockup periods
  • Management fees
The Bottom Line
Whether real estate investors use their properties to generate rental income, or to bide their time until the perfect selling opportunity arises, it's possible to build out a robust investment program by paying a relatively small part of a property's total value upfront. And as with any investment, there is profit and potential within real estate, whether the overall market is up or down.

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