Finance

Purchasing Real Estate with Retirement Money

Most workers saving for retirement tend to think of their retirement investing in terms of stocks and bonds. These forms of investment have been a way of life for many years, and traditional retirement advice tends to focus on these two asset classes. Most workers, however, do not know that there are other options available for retirement investing outside of the traditional choices. Some of these investments can lead to higher investment returns, while at the same time carrying higher risk. Self directed IRA real estate investment offers tax and other investment advantages to account holders. The main benefit of this investment is that taxes in individual retirement accounts are deferred until the investor makes a withdrawal. One can purchase and flip homes with an IRA and not have to

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Finance

Make Sure Your Commercial Loan is a Fit for Your Business

Commercial loans are secured by commercial properties like apartment complexes, warehouses, office buildings or shopping centers. The incomes from the buildings is what is used to refinance, buy, or redevelop a commercial property site. Loans for financing a commercial property are set up to satisfy both the lender and the borrower. These mortgages usually consist of a wide range of underwriting clauses before closing. The property to be mortgaged would need to be inspected and the financial records gone over to prove the income from the property will pay the mortgage amount. About 30 percent of all commercial real estate transactions are done in cash. Usually the buyer will need to find a lender to give them a mortgage for the property. The seller will always be more interested in a bu

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