Todd the Realtor

Ever wondered how some people seem to scoop up their dream homes without drowning in hefty mortgage payments?

Their secret might just be less conventional than you think. Here are a few creative financing tips that smart buyers are using to lower their monthly payments.👇🏽

• Shared Equity Agreements: They're collaborating with investment firms who put down part of the down payment, reducing their loan size. The investor then shares in the property's future value changes.

• Rent-to-Own Arrangements: They're becoming tenants before becoming homeowners. Part of their rent is set aside for a down payment, decreasing their eventual mortgage.

• Seller Financing: They're bypassing the bank altogether and having the seller finance the purchase. The terms are negotiable, which can result in a lower monthly payment.

• Purchasing Below Market Value: They're hunting for bargains in foreclosures or distressed properties. These homes often sell below market value, reducing their mortgage loan and monthly payments.

• Crowdfunding the Down Payment: They're getting creative and turning to platforms like HomeFundIt to crowdfund their down payment.

• Joining a Housing Co-op: They're buying into housing cooperatives, acquiring shares in a corporation that owns the property. This not only gives them a place to live but a share in the corporation's mortgage.

Remember, every situation is unique, and what works best for you may not work for others. It's always advisable to speak with a financial advisor or real estate professional before making significant changes to your mortgage strategy.

Ready to talk about your real estate needs? I'm here to help. Reach out and let's chat about your options.😊

I want you to see what I get to witness every single day 👉🏼that real estate is one of the greatest investments you can make for a happy and secure financial future.

Let me share 3+ reasons why.

1) Real estate appreciates.

Here’s the best part: There’s this concept known as "depreciation."
Depreciation is a tax deduction that allows real estate investors to deduct a portion of the property's cost as an expense. The deduction accounts for wear and tear and deterioration over time.

So while the property value goes up, you get tax perks that allow you to deduct expenses from your taxable income, reducing your tax burden. It's a win-win!

2) Real estate offers incredible financing opportunities.💲

There's nothing else like it — the government is eager to loan you a substantial portion of the price of a home, typically 95% to 97% of the purchase price.

This means you can invest in real estate with a relatively small down payment, giving you more financial flexibility to pursue other investment opportunities.

3) Real estate returns are consistent.

In spite of stocks' faster, flashier returns, real estate has historically produced more consistent and less volatile returns. If you’re looking for passive income and have time to invest for the long term, real estate shouldn't be overlooked.

Further, investing in real estate:

• Generates cash flow
• Protects against inflation
• Diversifies your portfolio
• Helps build wealth

I'm curious. Do you own real estate as an investment? What do you love about it? Share below, I’d like to hear what you think!👇🏼

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Is your agent marketing your home beyond the MLS? While many agents might simply list your property on the MLS and hope for the best, I believe in going several steps further. 👍🏼

The MLS is just the starting point.

To maximize your home's exposure and reach potential buyers, you need a multi-faceted marketing strategy. Here's what I offer to ensure your listing doesn't get lost in the crowd.👇🏼

Targeted Social Media Campaigns📱
Leveraging platforms like Facebook, Instagram, and even TikTok to create engaging posts that spotlight your home to the right audience based on demographics, interests, and more.

Professional Staging and Photography📷
Ensuring your home looks its absolute best in both online listings and in-person viewings. High-quality visuals can significantly boost interest and drive more viewings.

Virtual Tours & 3D Floor plans💻
Offering immersive experiences for potential buyers, especially those who might be relocating and can't initially visit in person.

Networking with Buyer's Agents🤝🏼
Proactively reaching out to agents in the area who have clients looking for homes like yours, ensuring they're aware of your listing and its unique features.

Open Houses & Private Showings🏡
Organizing well-promoted open houses, including flyers and personal invites to neighbors, along with private tours for serious buyers to create a lasting viewing experience.

Email Marketing📧
Featuring your listing to my targeted list of email subscribers full of past clients, hopeful buyers, and local agents.

Contact me today for a free consultation to learn more about my comprehensive marketing strategy and how I can help you sell your home quickly and for top dollar.📲

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Confession time:👉🏼Who has been to an open house, just for fun, even if they weren't looking to buy a home?

Hosting an open house is a great way to get more potential buyers through the door. Even the "nosey neighbors" taking a tour can help to spread the word about your home.🗣️

Here's a quick checklist I like to use before hosting an open house for my clients:👇🏼

✓ Lock up or remove valuables
✓ Deep clean and declutter as much as possible
✓ Minimize personal items and family photos
✓ Less is more: Help your buyers picture this as their home
✓ Put out snacks and drinks for the guests
✓ Put out marketing material like flyers and disclosures
✓ Open the windows to bring natural light in
✓ Do a final walkthrough & see the home from a buyer's perspective

💡 Don't forget to save this post for later reference!

It's pure excitement when you're on the verge of getting the keys to your new place.🔑 You can practically taste the possibilities!

But, wait one second, we need to talk about something super important: the final walkthrough.

👉🏼Trust me when I say it's critically important

A careless or rushed final walkthrough can lead to unexpected expenses down the road. That extra cash you’ve got serious decorating plans for can slip through your fingers if you’re not careful and 100% grounded during this crucial step.

So, before you let your excitement sweep you away, DM me or drop a comment below, and I'll send over my complimentary Final Walk Through Checklist. It’ll ensure you're fully equipped to tackle your final walkthrough like a pro!👍🏼

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Investing in your first rental property can feel intimidating.😨But there are reliable formulas that can help you determine whether a property is worth pursuing? It's like playing financial detective long before a penny ever slips your hand!

While the stuffy, technical term is “real estate pro forma,” these calculations and formulas are simple ways investors can estimate rental income, factor in expenses, and anticipate projected long-term gains.

And while these pro forma calculations are about as detailed as you can get, there are other general “rules of thumb” newbies investors should keep in mind when perusing properties. Here are four:

1) 📍Location, location, location: Consider factors like desirability, proximity to amenities, and whether it aligns with your target market. A great location can be an investment game-changer, so choose wisely.

2)💵 Cash flow is king: Take a close look at the numbers and ensure that the rental income will cover your expenses, giving you some extra padding for unexpected repairs or vacancies.

3) The appreciation factor: If cash flow is king, let's call appreciation (the long-term value of a property) “queen.” When checking out a property, look into the historical and projected appreciation rates of the zip code and neighborhood to see what it might be worth down the road.

4) The 1% rule: Experienced investors say the monthly rent should ideally be at least 1% of the purchase price.

Remember, these are just guidelines, so do your due diligence and consult with experts in your area. The more information you gather, the more confident you'll feel in your decision-making process.

Want to chat about what they're seeing? Reach out, I'd love to share my resources and connect with you!📲

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Let's play a little game around the topic of your VA Home Loan. ✌️Two truths one lie....which is the lie?

#1 - You are able to use your VA home loan more than once
#2 - You won’t have to pay a VA funding fee if you're receiving VA compensation for a service connected disability
#3 - Your spouse's income will not help your VA home loan amount

Let me know the lie in the comments👇

If you’re thinking of buying a home, you might be wondering where to start.💭 Getting pre-approved for a loan is an excellent first step because it lets you know what you can afford and shows sellers you’re serious.

Make sure you have an expert advisor (me😉) who can help you start your homeownership journey today.

A dog is one of the reasons why some people can be persuaded to go for a long walk🐾

Buying your first home can feel like a tug of war between your dream wish list and your budget constraints. The good news is “No” today isn’t “No” forever.

Let me explain. 👉🏼Meet Amanda. She purchased a home a few years back, buying a 2/1 in a growing neighborhood. As life moved forward, so did her dreams and her budget.💲

So, she sold that place and used her profits to level up to her next home. And guess what? She's planning to do it all again.

The moral is this: Your first home is exactly that, a first home.🏡

And while it might not check every box, it's the foundation that leads you toward where you want to be in 5, 10, or 15 years.

Not to mention that along the way, you’ll enjoy the peace of mind that comes with having home equity, giving you options if you want to refinance when rates drop or take cash out for big-ticket purchases.

What’s more, when the time is right for you to sell, you’ll likely reap even more financial rewards.

Right now, owners who purchased their homes 3-6 years ago are seeing a 22.1% appreciation in their home’s value. Those who purchased 7-10 years ago are enjoying an even bigger percentage jump — 46.6%. (Source: Home Value Appreciation: Homeowner Expectations Vs. Reality)

👉🏼So if you keep thinking about buying your first home but over and over again get cold feet because it feels too hard or too complicated or too out of reach, you can move forward.

All you need to do today is comment below, and I’ll send you our FREE Buyer Guide.

It will lay out in detail the buying process. Plus, it contains helpful assessments that will help you know if you’re ready to buy and tips to get you ready for the best part of real estate ...the showings!😊

Live every day like taco Tuesday🌮

Builders won't always tell you this, but having an agent can save you thousands in new construction.💵

Here's why it's an absolute must:⬇️

1) Negotiating Power🤝

Having an agent on your side means having an expert negotiator in your corner. They know the ins and outs of new construction and can help you navigate builder contracts, warranties, and upgrades.

2) Builder Reputation🏗️

Not all builders are created equal. An agent will share insights into the reputation, quality, and track record of builders in your area. They'll help you find a reliable builder who will deliver your dream home with excellence.

3) Builder Jargon Decoded👍

The world of new construction comes with its own language. From understanding blueprints and construction timelines to deciphering complex builder contracts, an agent will be your translator. They'll break it down in simple terms, ensuring you understand every step of the process.

4) Home Inspections🔎

Even new homes can have flaws. An agent can guide you through the inspection process and identify any potential issues or jobs not completed, making sure you're getting the quality you deserve.

5) Design and Upgrades✨

Building a new home means making numerous design decisions. An agent can provide guidance on what upgrades and features will add value to your home and which ones might not be worth the investment. They'll help you strike the perfect balance between personalization and resale value.

Ready to explore new construction? Don't go it alone! Comment below or DM me and let’s discuss how to simplify and streamline your new home process. 💬

👉🏼As your real estate agent, never will I ever…

1) Push you out of your budget. I'll never pressure you to stretch your budget beyond what's comfortable for you.

2) Withhold information. I'll never keep you in the dark about important details or market insights. You'll receive honest and timely info.👍🏼

3) Pressure you into a decision. I'll move at your pace, ensuring you're comfortable and confident throughout the entire process.

4) Minimize your concerns. I'll never dismiss or downplay your doubts. I’ll take as much time as you need to give you a smooth and worry-free experience.😊

5) Neglect communication. Your peace of mind is crucial. I'll never leave you hanging or be unreachable by phone or text.

6) Encourage unreasonable offers. I'll never push you to make unreasonable offers that could harm your credibility. I'll strategize to present competitive yet fair offers.🤝🏼

7) Treat you as just another client. Your journey is unique. I'll never force a one-size-fits-all approach. Your experience will be one-of-a-kind and tailored to your needs.✨

8) Ignore after-sale support. Your satisfaction extends beyond closing. I'll never disappear after the deal is done and will always be available for any post-sale assistance you may need.

Have more questions about what it’s like to work an agent like me? Want to share your burning real estate thoughts? Drop a comment below, I’ll read and answer each and every one so ask away!💬

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Just a good ol' boy🐺

Homeownership is one of the best ways to grow your net worth.💲 Why?

Because when you own a home, you develop equity as you pay down your home loan and as home prices grow with time.🏡

And, that equity can help you reach other goals in life or fuel a future move later on. Reach out to me today and let's chat more about the benefits of .

When it comes to buying new construction, asking the right questions can be the🔑key to a smooth experience from start to finish.

Ask a builder these three questions before getting started:

1)🇶 Is there a lot premium?

Knowing whether there's an additional cost for premium lots can help you find the perfect location within your budget. Unaware buyers can easily fall in love with lots that subtly or significantly increase their costs.

2) 🇶What are the standard finishes?

Get familiar with the standard features and finishes included in the base price of the home. Then, you’ll be able to decide what upgrades are best based on your preferences and style.

Popular upgrades that may up the value of your home in 2023? Higher ceilings, added square footage (bump out a wall), and energy-efficient windows.

3)🇶 How flexible are you with customization?📍

Every builder has their own level of flexibility when it comes to personalizing a home. While some may be open to significant structural changes, others might stick strictly to predetermined layouts with minor adjustments.

If you’d like to find out more about buying new, comment below or send me a DM, and I’ll send you my Buying New Construction Guide - no strings attached!😊

🔑Todd_The_Realtor
🏡
📱951-526-5315
📧[email protected]
DRE: 02102408

Unless it's specified by your loan type or your lender, it’s typically not required to put 20% down.👍🏼

This means you could be closer to your homebuying dream than you realize.🏡 If you have questions about what you need to save to achieve your dream of homeownership, message me, I'm happy to answer any questions you might have!

When you see your favorite inspection company on the prowl🚗💨

There's always opportunity in real estate.✨It's just a matter of finding that opportunity in the current market.

Raise your hand if you know it’s time to upsize your house 🤚

You’ve done all the decluttering and rearranging you can do, your kids and your dreams need space to grow, and you’re feeling the squeeze in your home and in your spirit ALL.DAY.LONG.

But then, the naysayers swoop in, gabbing about rising interest rates, soaring home prices, and bad timing.

Here's the gentle truth: Only you know what’s right for you and when it’s right for you.😀

That said, listen to your gut and, at the very least, get the information you need to make a decision based on facts, not on fear.👍

Ready to explore what’s out there with no strings attached? DM me...I think you’ll be surprised at what you see.💬

Are you planning to sell your home? Avoid these four common, non-price-related mistakes that many sellers make. Remember, these slip-ups could cost you!
👇🏼
1: Forgetting First Impressions Matter❗
Don't underestimate the power of curb appeal. A neglected exterior can hinder your property from standing out in the competitive market. Give your home the attention it deserves!

2 Underestimating the Art of Staging❗
You may love your furniture, but a cluttered or personalized space can distract potential buyers. A professionally staged home not only highlights its potential but also helps buyers envision their future in the space.

3 Ignoring Repairs and Maintenance❗
Buyers gravitate towards a turnkey home that's ready for them to move in. Overlooking necessary repairs and maintenance can be a major turn-off and potentially stall your sale.

4 Overlooking the Power of Online Marketing❗
Failing to establish a strong online presence can reduce your home's visibility and limit your pool of potential buyers. Leveraging online marketing - including high-quality photos, detailed descriptions, and engaging content - is essential for a successful sale.

As a real estate agent, my goal is to guide you through the selling process, help you avoid these pitfalls, and secure the best value for your home.👍🏼

Considering selling your home? Let's chat about your unique goals and how we can avoid these common mistakes. Send me a message and let's get started!🗨️

It’s important to be prepared as a buyer in our housing market.📝

That means knowing your budget🗸, knowing what you can afford🗸, and having a trusted partner on your side who can help keep these things top of mind during the negotiation process.🗸

I'm here to help you! Message me so we can work together to find you a home that fits your needs this fall.😊

By Veterans, For Veterans! All Active Duty Military Members, Veterans, and their families are welcome.🇺🇸 EVERYTHING IS ON US!🍻

As always, WE'RE BUYING ALL OF THE FOOD AND DRINKS for our fellow Military Members, Veterans, and their families. BELCHING BEAVER PUB 980 IN VISTA IS THE SPOT!🍗🍔

Education is our main goal.👍🏼 We are going to teach you everything you need to know about the VA Loan, the home buying process and give you all the knowledge you need to become an educated real estate investor.🔥

Here are some of the topics we'll cover:👇🏼

💥What you have to do to be eligible for the VA Loan
💥Types of properties you can buy with the VA Loan
💥The details, expectations, and true costs of the homebuying process
💥How to use the VA Loan to purchase properties multiple times
💥Pros & Cons of Buying vs. Renting a property
💥Current San Diego & Riverside housing markets
💥The greatest advantages of using the VA Loan
💥The biggest VA Loan Myths

ALL OF YOUR QUESTIONS ANSWERED! BRING 'EM!

Come and hang out with fellow veterans and military members, learn about the VA Loan, ask all of the questions you have, and enjoy the great food and beer 🍻ALL ON US!

➡️Aug 2, 2023 @6:30PM 📍980 Park Center Drive Suite A Vista CA 92081

👉Message me for tickets!🎟️🎟️