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Real Estate Personal Statement

The catalyst of my desire to study Real Estate stems from a young age: when walking around the cobbled streets of Moray Place in Edinburgh's New Town, I was left with a simple question: "why was this street so different to the rest of the New Town?". A few years later, an answer appeared on a BBC programme 'The Secret History of Our Streets': it explained the social change in Edinburgh at the time and that the upper-middle classes wanted to move away from the highly polluted Old Town to the modern and cleaner New Town. The Earl of Moray decided to create the largest Georgian Terrace in Europe, Moray Place. For me, learning that there was so much more to this one street really stirred up a personal interest in the world of Property and Real Estate.

Following on from that, I started looking at property prices around Edinburgh by using Rightmove and subscribing to The Property Hub, receiving three issues a year since early 2016. This was not enough, however, and I wanted to see how a real estate agency operates away from my local city. I was lucky enough to secure a week of work experience at Wetherell's and Carter Jonas in Mayfair, London. In this week, I was taken aback by the complexity of it all, learning legal processes, seeing how changing political climates affect property, and more. During my time at Wetherell's, I was shown a legal process called 'Know Your Customer', which must be used before the purchasing of any property in the UK. This process is used to firstly identify the customer's legitimacy, to avoid money laundering schemes, and to make sure there has been no suspicious behaviour in the past. This Real Estate Law is a part of the course that I find particularly interesting. During my time in London, I independently organised a session with a real estate agent at Knight Frank. I had done some research prior to the session and asked if I could be given an introduction to LonRes, the property data network used by some of the most established real estate companies in the United Kingdom. I was shown how to use the data network, and even helped gather data for a client on the average price per square foot in the area where she was wishing to purchase property. I also learned that the sales process is often a collaborative process, and that many agencies in London and across the UK work together and share data to assist one another.

Taking Geography and Politics for A Level has given me a firm base to study my chosen degree: I have studied housing deprivation and the need for more housing development projects in deprived areas of the UK in Geography coursework, whilst in Government and Politics I have strengthened my knowledge on both the political framework and current political climate in the United Kingdom. Classical Civilisation has given me essential essay writing skills which will be invaluable at university. Outside of school, I had two part-time jobs over the summer: picking 'wild oats' on a farm and working in an engineering factory. Both jobs required good time keeping, enthusiasm and the ability to work in a team. I believe these skills are some of the qualities needed to be successful at university, and would certainly be applicable to my chosen career path. This academic year, I was appointed to the role of School Prefect, giving me responsibilities in supervising and guiding younger members of the school. I am also the anti-bullying representative for my house, a role which requires patience and pastoral skills. I am a keen sportsman and have represented the school at rugby and cricket. This has taught me to communicate well and work with a wide range of personalities.

I see this degree course as the start of a career that I have wished to pursue for a long time. I am ready for this next step in my education in Real Estate and university will help me enhance my knowledge of a subject I have a great passion for.

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Real Estate Finance and Economics Postgraduate Personal Statement

Example Real Estate Finance and Economics Postgraduate Personal Statement

The real estate crash was at the heart of the financial crisis. Had economists and bankers possessed a better understanding of the direction of the housing market, there might never have been the disastrous collapse of banks across the world that we witnessed night after night on the television and newspapers only a few years ago. I was studying Economics and the housing market at the height of the crisis and the increasingly obvious importance of the real estate market to the world economy’s fortunes combined with my evident aptitude for market analysis convinced me that I wish to become a real estate analyst or investor for a major investment management firm. The MSc in Real Estate Finance and Economics would equip me with the requisite knowledge to fulfil my ambition.

To prepare myself for the course and my career, I have taken modules in Accounting, Derivatives and various other courses relevant for developing an advanced understanding of the dynamics of real estate as part of my degree, for all of which I have received either a First or a high 2:1. Studying Economics has also equipped me with the requisite mathematical skills to analyse investments and markets, while the courses on economic theory have given me a thorough knowledge of how the overall economy works, an understanding which should stand me in good stead when I come to make forecasts about the real estate market.

The knowledge I gained at university built on what I had learned already at school, where I took A-Levels in Economics and Business, study which had already made me determined to work in finance. Outside of the classroom, I have tried to strengthen further my knowledge of finance and the real estate markets by reading regularly the Economist and the Financial Times, along with finance-related books such as Niall Ferguson’s The Ascent of Money, which indicates how housing bubbles always have been and always will be a part of the global economy.

As well as attempting to gain the requisite theoretical knowledge for my chosen career, I have also tried to gain day-to-day experience of the business world in order to develop the practical skills necessary to succeed in finance. In my last two summers at university, I have worked as a sales executive at two major retailers, where I have learned how to communicate clearly and confidently with customers and colleagues, answering queries and resolving difficulties. Working hard to achieve sales targets has shown me how to meet strict deadlines and demanding goals, which should prepare me well for the high-pressured world of international finance.

The summer after finishing my A-Levels I also was gifted the opportunity to work as a fraud analyst for Barclaycard where I was charged with identifying fraudulent transactions and notifying credit card holders when their accounts had been frozen. The experience gave me a taste for financial analysis and taught me how to deal calmly and patiently with customers whom I often would have to reassure when they feared their money had been stolen.

In my spare time, when not reading about the real estate and financial markets, I enjoy volunteering at schools and community centres, where I act as an interpreter for Bangladeshis new to Britain whom I try to help integrate into the society. I should like to volunteer for similar work on the Masters and help any other Bangladeshi students to integrate into the university’s community. I am also a fitness fanatic, regularly frequenting the gym as well as playing football and cricket competitively. I should like to try out for the university’s cricket team when I begin the Masters.

I want to become as deeply involved in university life as possible, for I hope to come away from the Masters not only with the requisite knowledge to analyse and forecast accurately the future of the housing markets but with close friends from whom I can learn and with whom I can collaborate in my future work.

We hope that this example Real Estate Finance and Economics Postgraduate Personal Statement will be a helpful reference when writing your own statement.

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Sample 1st Paragraph MS Degree in Real Estate

Master’s Degree in Real Estate Finance Program, Sample Personal Statement of Purpose, Growing up in Bangladesh.

While I was born and raised in Bangladesh, I came to London for my undergraduate studies and am now working towards the completion of my LLB Degree from King’s College London. I have worked full time for the past three 3 summers with 5-6 months in total spent at each position. My first position was with an investment firm in Bangladesh (Date) performing Due Diligence Surveys for an Investment Analyst in the area of acquisitions of mostly commercial spaces and industrial land. I learned a great deal about real estate investment in this position that will serve me well as a graduate student in your program at XXXX, everything from finance to planning permissions and much in between.

My next ‘summer’ was spent in Lisbon, Portugal where I also served as an Investment Analyst. This time, my focus was primarily on residential properties, the full gambit, everything from run down sites for redevelopment through existing structures that were new or in excellent condition. I learned a lot about how the values of properties shift as a result of a broad variety of conditions and factors, with these differences being seen most graphically when examined comparatively across neighborhoods. In Portugal, I participated in a lot of forecasting analysis, looking at issues of risk/reward, depreciation, and return on investment.

This past summer I spent in Montreal Canada -  again focused on analyzing investments in different parts of the country, including remote areas such as Newfoundland. This gave me great insight into the vast differences that can exist between real estate and investment climates in densely vs. sparsely populated areas, in Bangladesh as well as Canada. I have also learned a great deal about the impact of income disparities across countries and how this is related to real estate development.

I especially enjoyed studying the complex ways in which different parts of Canada can be characterized as having a particular investment climate.  I have studied very closely the economic impact of population movements and shifting densities – comparing, for example, rapidly growing cities such as Vancouver and Toronto, with other cities that have more stable populations. 

I have a great personal as well as professional passion for policies that protect the natural environment in sustainable ways with an emphasis on the integration and regeneration of urban areas. The area of London in which I currently live, Stratford, is an excellent example of successful regeneration that I have studied with special intensity. Before the 2012 Olympics the place was downtrodden and in most of it in very poor condition. Since the games, the area has been rejuvenated and the quality of life for those living here has greatly improved. Many new residency buildings have sprung up along with some of the world’s most exciting new shopping centers, new, cutting-edge universities are also being planned.

Still only 22 years old, it pleases me to think about the long professional lifetime that I have ahead of me and I feel most keen to engage with the cutting edge of theory and reality in real estate development, especially projects and strategies for developing nations like Bangladesh. I think of myself as a real estate development professional and also a volunteer, as I seek to make my humanitarian mark in this area as well. No greater gift can be given to people than dignified shelter and I have no desire to devote my efforts of a lifetime to the high end of real estate investment. I am more attracted to plans that benefit the common masses of ordinary people.

In addition to Hindi and Bengali, I am also fluent in French and I hope to make use of this language as well at some point in my career at the service of the developing world, the former colonies of European nations. Some of my highest moments in life so far have been while serving as a volunteer in Bangladesh working with a resilient housing project for 100's of families in Rangpur in rural Bangladesh. We sought, with a certain degree of success, to change to focus of residential construction to disaster risk reduction in areas subject to numerous water-related challenges. We enjoyed success at the implementation of earthen solutions along with the use of other natural materials such as bamboo in the construction of low cost yet sanitary and efficient dwellings for people of very limited resources.

I look forward to the fullest and most rigorous immersion experience possible in global property markets, especially commercial, with a focus on finance and development. I could not be more excited by the prospect of the fullest of exposure to the very latest concepts in risk management and financial engineering in particular.

I thank you for considering my application to your competitive Master’s Program in Real Estate Finance at XXXX University.

Women in Real Estate

Sample 1st Paragraph for the MPhil Degree Real Estate Finance, UK, Pakistani Applicant

Heroines of Real Estate

The real estate industry is chock full of talented, inspired and motivated women. Here are some of our favorites.

Marilyn Jordan Taylor

Marilyn Jordan Taylor is an American architect who has been a partner at  Skidmore, Owings & Merrill  since the early 1980s. She served as its first female chairman. Taylor specializes in urban architectural projects and designed the master plan for the  Manhattanville  expansion, the  Consolidated Edison   East River Greenway  as well as airports from the  John F. Kennedy International Airport  terminal 4 expansion to the SkyCity at the  Hong Kong International Airport .

Since 2008, she has been the Dean of the  University of Pennsylvania School of Design .

Ivanka Trump

Ivanka Trump is executive vice president of the Trump Organization (and member of Fortune’s just-released, 2014  40 under 40 list ). She is an American businesswoman and former  fashion model .

Trump is the daughter of real estate developer and the President of the United States ,  Donald Trump ; and the  Executive Vice President  of Development & Acquisitions at her father's company,  the Trump Organization , where her work is focused on the company's real estate and hotel management initiatives.

Maryanne Gilmartin

Maryanne Gilmartin is President and CEO of Forest City Ratner Companies. She is president and chief executive officer of Forest City Ratner Companies, the New York office of Forest City Realty Trust, Inc.

Gilmartin has been point person in the development of some of the most high-profile real estate projects in New York City. They include Pacific Park Brooklyn, The New York Times Building and New York by Gehry.

In addition to these projects, Gilmartin managed the commercial portfolio at MetroTech Center in Downtown Brooklyn.

Gilmartin graduated summa cum laude, Phi Beta Kappa from Fordham University, where she also studied for a master’s degree.

She proudly served for more than seven years on the New York City Ballet Advisory Board. Currently, she is a board trustee for the Brooklyn Academy of Music, a member of the executive committee and board of governors of the Real Estate Board of New York, and as a member of the Industry Advisory Board of the MS Real Estate Development Program at Columbia University.

She was named co-chair of the Downtown Brooklyn Partnership, a member of the board of directors of the Jefferies Group LLC, a global investment banking firm, and a member of the board of trustees of New York Public Radio.

Gilmartin has been recognized as a top professional in her field with a number of awards. She earned the Woman of the Year honor in 2007 from WX New York Women Executives in Real Estate.

She has made multiple appearances on Crain’s New York Business’s annual list of New York’s 50 Most Powerful Women.

Barbara Corcoran

Barbara Ann Corcoran is an American businesswoman, investor, speaker, consultant, syndicated columnist, author, and television personality.

She graduated from  St. Thomas Aquinas College  with a degree in education in 1971, and then she taught school for a year. She soon moved on working various jobs including a side job renting apartments in New York City. Corcoran wanted to be her own boss.

In 1973 co-founded a real estate business called The Corcoran Group with her boyfriend, who fronted a $1,000 loan (approximately $5,420 now).

In the mid-1970s, she also began publishing  The Corcoran Report,  which detailed the real estate data trends in New York City.

In 2001, Corcoran sold her business to  NRT Incorporated  for $66 million. She is an investor herself, and is invested in more than twenty businesses to date.

Corocan is a columnist for  More Magazine ,  The Daily Review , and  Redbook , has written several books. She has been featured in various shows, include  Larry King Live . 

Corocan has been a guest business speaker at various real estate events and is a business consultant via her consulting and television production business, Barbara Corcoran Inc.

She is also the real estate contributor to NBC's  Today  show and hosts  The Millionaire Broker with Barbara Corcoran on  CNBC .

Dolly Lenz is a real estate agent in  New York City . It is estimated that in 2007, she sold $7 billion in real estate. She sold $748 million the year before.

Lenz, whose birth name is Idaliz Camino, was born in the  Bronx  to a Spanish immigrant father, and bought her first apartment at age 18 on  Park Avenue  in the  Murray Hill  neighborhood.

Lenz was an accountant at  United Artists , where she struck up a friendship with  Barbra Streisand and began selling real estate in various agencies, including  Sotheby's  before moving to  Prudential 's Douglas Elliman agency in 1999. She became vice chairman of the division in 2003.

Lenz left Douglas Elliman to start her own firm in June 2013. “She is probably pursuing an opportunity where she can leverage her brand, but this is just an outsider’s opinion,” said Town Residential CEO  Andrew Heiberger when she left.

She has been used frequently by  Donald Trump , and in 2005, sold the Burnt Point mansion in  Wainscott, New York  to billionaire  Stewart Rahr  for $45 million.

Mary Ann Tighe

On the commercial side of real estate is Mary Ann Tighe, CEO of CBRE, Tristate Area, Laura Pomerantz, vice chairman of Cushman and Wakefield, and Faith Hope Consolo, chairman of the retail group of Douglas Elliman.

Tighe is an American commercial real estate broker and CEO of the New York Tri-State Region of  CBRE , the world’s largest commercial real estate services firm.

She has made commercial transactions for over 93 million square feet and has been cited as a groundbreaker in a traditionally male-dominated industry.

Tighe’s deals have anchored more than 13.7 million square feet of new construction in the  New York region , a total believed to be a record in commercial brokerage. She has been named to  Crain’s New York Business  Most Powerful Women in New York since the listing was inaugurated in 2007, ranking #1 in 2011 across all  New York City  industries.

Elizabeth Plater-Zyberk

Elizabeth Plater-Zyberk is an  American   architect  and  urban planner  of  Polish - Livonian  aristocratic roots based in  Miami, Florida .

Plater-Zyberk received her undergraduate degree in  architecture  and  urban planning  from Princeton and her master's degree in architecture from the  Yale School of Architecture .

She is a representative of  New Urbanism  and  New Classical Architecture .

Janette Sadik-Khan

Janette Sadik-Khan is a former commissioner of the  New York City Department of Transportation  (2007-2013) and an advisor on transportation and urban issues.

Khan currently serves as a principal at Bloomberg Associates, a philanthropic consultancy established by former Mayor Michael R. Bloomberg that advises mayors around the world to improve the quality of life for their residents. 

She is the author of the book "Streetfight: Handbook for an Urban Revolution," which is based on her experience as commissioner and her new role as global transportation advisor.

Khan also serves as chairperson for the  National Association of City Transportation Officials  (NACTO), a coalition of the transportation departments of 40 large cities nationwide.

Other Women Worth a Mention

Other women worth mentioning are architect Zaha Hadid; Marianne Cusato, the author and urban designer who created the Katrina Cottages; and Sarah Susanka, pioneer of the Not So Big House movement.

In the tech/Silcon Valley realm, Amy Bohutinsky, CMO of Zillow, and Sarah Leary, cofounder of the social-networking-for-neighborhoods site Nextdoor are doing great things.

On the investment side, Robyn Sorid, cofounder of G4 Capital Partners is a pioneer that we appreciate.

As most people in real estate know, women are still underrepresented in the top ranks, but as they are in all industries, women are starting to take more prominent roles.

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A Beginner's Guide to Real Estate Investing

Different ways to invest in real estate

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Historical Prices

Rental properties.

• Flipping House

Real Estate Investment Groups

Real estate limited partnerships, real estate mutual funds, why invest in real estate, the bottom line.

When you think about real estate investing, the first thing that probably comes to mind is your home. Of course, real estate investors have lots of other options when it comes to choosing investments, and they're not all physical properties.

Real estate has become a popular investment vehicle over the last 50 years or so. Here's a look at some of the leading options for individual investors, along with the reasons to invest.

Key Takeaways

• Real estate is considered to be its own asset class and one that should be at least a part of a well-diversified portfolio.
• One of the key ways investors can make money in real estate is to become a landlord of a rental property.
• Flippers try to buy undervalued real estate, fix it up, and sell it for a profit.
• Real estate investment trusts (REITs) provide indirect real estate exposure without the need to own, operate, or finance properties.

Real estate has long been considered a sound investment, and for good reason. Before 2007, historical housing data made it seem like prices could continue to climb indefinitely. With few exceptions, the average sale price of homes in the U.S. increased each year between 1963 and 2007—the start of the Great Recession. Home prices did take a small hit at the onset of the COVID-19 pandemic in the Spring of 2020. However, as vaccines were rolled out and pandemic concerns waned, home prices accelerated to reach all-time highs by 2022.

This chart from the Federal Reserve Bank of St. Louis shows average sales prices between 1963 and Q1 2022 (the most recent data available). The areas that are shaded in light grey indicate U.S. recessions.

The most significant downturn in the real estate market before the COVID-19 pandemic coincided with the Great Recession. The long-term results of the coronavirus crisis have yet to be seen.

If you invest in rental properties , you become a landlord—so you need to consider if you'll be comfortable in that role. As the landlord, you'll be responsible for things like paying the mortgage, property taxes, and insurance , maintaining the property, finding tenants, and dealing with any problems.

Unless you hire a property manager to handle the details, being a landlord is a hands-on investment. Depending on your situation, taking care of the property and the tenants can be a 24/7 job—and one that's not always pleasant. If you choose your properties and tenants carefully, however, you can lower the risk of having major problems.

One way landlords make money is by collecting rent. How much rent you can charge depends on where the rental is located. Still, it can be difficult to determine the best rent because if you charge too much you'll chase tenants away, and if you charge too little you'll leave money on the table. A common strategy is to charge enough rent to cover expenses until the mortgage has been paid, at which time the majority of the rent becomes profit.

The other primary way that landlords make money is through appreciation. If your property appreciates in value, you may be able to sell it at a profit (when the time comes) or borrow against the equity to make your next investment. While real estate does tend to appreciate, there are no guarantees.

This is particularly true during periods of intense volatility in the real estate market, including most recently throughout the duration of the COVID-19 pandemic. From February 2020 to March 2022, median real estate prices in the U.S. rose by an astonishing 38%. The dramatic growth has left many wondering whether prices are due to crash.

Read about Investopedia's 10 Rules of Investing by picking up a copy of our special issue print edition.

Flipping Houses

Like the day traders who are leagues away from buy-and-hold investors, real estate flippers are an entirely different breed from buy-and-rent landlords. Flippers buy properties with the intention of holding them for a short period—often no more than three to four months—and quickly selling them for a profit.

The are two primary approaches to flipping a property:

• Repair and update. With this approach, you buy a property that you think will increase in value with certain repairs and updates. Ideally, you complete the work as quickly as possible and then sell at a price that exceeds your total investment (including the renovations).
• Hold and resell. This type of flipping works differently. Instead of buying a property and fixing it up, you buy in a rapidly rising market, hold for a few months, and then sell at a profit.

With either type of flipping, you run the risk that you won't be able to unload the property at a price that will turn a profit. This can present a challenge because flippers don’t generally keep enough ready cash to pay mortgages on properties for the long term. Still, flipping can be a lucrative way to invest in real estate if it's done the right way .

A real estate investment trust (REIT) is created when a corporation (or trust) is formed to use investors’ money to purchase, operate, and sell income-producing properties. REITs are bought and sold on major exchanges , just like stocks and exchange-traded funds (ETFs).

To qualify as a REIT, the entity must pay out 90% of its taxable profits in the form of dividends to shareholders. By doing this, REITs avoid paying corporate income tax, whereas a regular company would be taxed on its profits, thus eating into the returns it could distribute to its shareholders.

Much like regular dividend-paying stocks, REITs are appropriate for investors who want regular income, though they offer the opportunity for appreciation, too. REITs invest in a variety of properties such as malls (about a quarter of all REITs specialize in these), healthcare facilities, mortgages, and office buildings. In comparison to other types of real estate investments, REITs have the benefit of being highly liquid .

Real estate investment groups (REIGs) are sort of like small mutual funds for rental properties. If you want to own a rental property but don’t want the hassle of being a landlord, a real estate investment group may be the solution for you.

A company will buy or build a set of buildings, often apartments, then allow investors to buy them through the company, thus joining the group. A single investor can own one or multiple units of self-contained living space. But the company that operates the investment group manages all the units and takes care of maintenance, advertising, and finding tenants. In exchange for this management, the company takes a percentage of the monthly rent.

There are several versions of investment groups. In the standard version, the lease is in the investor’s name, and all of the units pool a portion of the rent to guard against occasional vacancies. This means you will receive enough to pay the mortgage even if your unit is empty.

The quality of an investment group depends entirely on the company that offers it. In theory, it is a safe way to get into real estate investment, but groups may charge the kind of high fees that haunt the mutual fund industry. As with all investments, research is key.

A real estate limited partnership (RELP) is similar to a real estate investment group. It is an entity formed to buy and hold a portfolio of properties, or sometimes just one property. However, RELPs exist for a finite number of years.

An experienced property manager or real estate development firm serves as the general partner . Outside investors are then sought to provide financing for the real estate project, in exchange for a share of ownership as limited partners . The partners may receive periodic distributions from income generated by the RELP’s properties, but the real payoff comes when the properties are sold—with luck, at a sizable profit—and the RELP dissolves down the road.

Real estate mutual funds invest primarily in REITs and real estate operating companies. They provide the ability to gain diversified exposure to real estate with a relatively small amount of capital. Depending on their strategy and diversification goals, they provide investors with much broader asset selection than can be achieved through buying individual REITs.  

Like REITs, these funds are pretty liquid. Another significant advantage to retail investors is the analytical and research information provided by the fund. This can include details on acquired assets and management’s perspective on the viability and performance of specific real estate investments and as an asset class. More speculative investors can invest in a family of real estate mutual funds, tactically overweighting certain property types or regions to maximize return.

Real estate can enhance the risk-and-return profile of an investor’s portfolio, offering competitive risk-adjusted returns . In general, the real estate market is one of low volatility , especially compared to equities and bonds.

Real estate is also attractive when compared with more traditional sources of income return. This asset class typically trades at a yield premium to U.S. Treasuries and is especially attractive in an environment where Treasury rates are low.

Diversification and Protection

Another benefit of investing in real estate is its diversification potential. Real estate has a low and, in some cases, negative, correlation with other major asset classes—meaning, when stocks are down, real estate is often up. This means the addition of real estate to a portfolio can lower its volatility and provide a higher return per unit of risk. The more direct the real estate investment, the better the hedge: Less direct, publicly traded vehicles, such as REITs, are going to reflect the overall stock market’s performance.

Because it is backed by brick and mortar, direct real estate also carries less principal-agent conflict , or the extent to which the interest of the investor is dependent on the integrity and competence of managers and debtors. Even the more indirect forms of investment carry some protection. REITs, for example, mandate that a minimum percentage of profits (90%) be paid out as dividends.

Some analysts think that REITs and the stock market will become more correlated, now that REIT stocks are represented on the S&P 500.

Inflation Hedging

The inflation-hedging capability of real estate stems from the positive relationship between gross domestic product (GDP) growth and demand for real estate. As economies expand, the demand for real estate drives rents higher, and this, in turn, translates into higher capital values. Therefore, real estate tends to maintain the purchasing power of capital by passing some of the inflationary pressure onto tenants and by incorporating some of the inflationary pressure, in the form of capital appreciation .

The Power of Leverage

With the exception of REITs, investing in real estate gives an investor one tool that is not available to stock market investors: leverage . Leverage means to use debt to finance a larger purchase than you have the available cash for. If you want to buy a stock, you have to pay the full value of the stock at the time you place the buy order—unless you are buying on margin . And even then, the percentage you can borrow is still much less than with real estate, thanks to that magical financing method, the mortgage.

Most conventional mortgages require a 20% down payment. However, depending on where the property you invest in is located, you might find a mortgage that requires as little as 5%. This means that you can control the whole property and the equity it holds by only paying a fraction of the total value. Of course, the size of your mortgage affects the amount of ownership you actually have in the property, but you control it the minute the papers are signed.

This is what emboldens real estate flippers and landlords alike. They can take out a second mortgage on their homes and put down payments on two or three other properties. Whether they rent these out so that tenants pay the mortgage or wait for an opportunity to sell for a profit, they control these assets despite having only paid for a small part of the total value.

How Can I Add Real Estate to My Portfolio?

Aside from buying properties directly, ordinary investors can purchase REITs or funds that invest in REITs. REITs are pooled investments that own and/or manage properties or which own their mortgages.

Why Is Real Estate Considered to Be an Inflation Hedge?

Home prices tend to rise along with inflation. This is because homebuilders' costs rise with inflation, which must be passed on to buyers of new homes. Existing homes, too, rise with inflation though. If you hold a fixed-rate mortgage, as inflation rises, your fixed monthly payments become effectively more affordable. Moreover, if you are a landlord, you can increase the rent to keep up with inflation.

Why Are Home Prices Impacted by Interest Rates?

Because real estate is such a large and costly asset, loans must often be taken out to finance their purchase. Because of this, interest rate hikes make mortgage payments more costly for new loans (or on existing adjustable-rate loans like ARMs). This can discourage buyers, who must factor in the cost to carry the property month-to-month.

Real estate can be a sound investment and one that has the potential to provide a steady income and build wealth. Still, one drawback of investing in real estate is illiquidity : the relative difficulty in converting an asset into cash and cash into an asset.

Unlike a stock or bond transaction, which can be completed in seconds, a real estate transaction can take months to close. Even with the help of a broker , simply finding the right counterparty can be a few weeks of work. Of course, REITs and real estate mutual funds offer better liquidity and market pricing. But they come at the price of higher volatility and lower diversification benefits, as they have a much higher correlation to the overall stock market than direct real estate investments.

As with any investment, keep your expectations realistic, and be sure to do your homework and research before making any decisions.

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 (CFPB) or with the  U.S. Department of Housing and Urban Development (HUD) .

Federal Reserve Bank of St. Louis. FRED Economic Data. " Average Sales Price of Houses Sold for the United States (ASPUS) ."

U.S. Bureau of Labor Statistics. " Property, Real Estate, and Community Association Managers: What They Do ."

Federal Trade Commission. " The Real Estate Marketplace Glossary: How to Talk the Talk ," Page 1.

Federal Reserve Bank of St. Louis. FRED Economic Data. " S&P/Case-Shiller U.S. National Home Price Index (CSUSHPINSA) ."

U.S. Securities and Exchange Commission. " Investor Bulletin: Publicly Traded REITs ."

Realty Capital Partners, LLC. " Building an Investment Partnership ."

U.S. Securities and Exchange Commission. " Mutual Funds ."

Morningstar. " Why I'm Lukewarm on Real Estate ."

Consumer Financial Protection Bureau. " Determine Your Down Payment ."

The White House, Council of Economic Advisers. " Housing Prices and Inflation ."

Federal Trade Commission. " Mortgage Discrimination ."

• A Beginner's Guide to Real Estate Investing 1 of 34
• Real Estate: Definition, Types, How to Invest in It 2 of 34
• 5 Simple Ways to Invest in Real Estate 3 of 34
• How to Make Money in Real Estate 4 of 34
• The Most Important Factors for Real Estate Investing 5 of 34
• How to Find Your Return on Investment (ROI) in Real Estate 6 of 34
• REIT: What It Is and How to Invest 7 of 34
• 5 Types of REITs and How to Invest in Them 8 of 34
• Direct Real Estate Investing vs. REITs 9 of 34
• REIT vs. Real Estate Fund: What’s the Difference? 10 of 34
• Equity REIT vs. Mortgage REIT 11 of 34
• How to Assess REITs Using Funds from Operations (FFO/AFFO) 12 of 34
• What Are the Risks of Real Estate Investment Trusts (REITs)? 13 of 34
• Capital Real Estate Investment Trust: What It is, How It Works 14 of 34
• How to Analyze REITs (Real Estate Investment Trusts) 15 of 34
• How to Invest in Rental Property 16 of 34
• 10 Factors to Consider When Buying an Income Property 17 of 34
• Should You Buy and Hold Real Estate or Flip Properties? 18 of 34
• How to Calculate ROI on a Rental Property 19 of 34
• How to Calculate Rental Property Depreciation 20 of 34
• Add Some Real Estate to Your Portfolio 21 of 34
• Alternative Real Estate Investments 22 of 34
• Best Real Estate Crowdfunding Platforms for May 2024 23 of 34
• 10 Habits of Successful Real Estate Investors 24 of 34
• 8 Mistakes That Real Estate Investors Should Avoid 25 of 34
• How to Value Real Estate Investment Property 26 of 34
• Investing in Luxury Real Estate 27 of 34
• Avoid Capital Gains Tax on Your Investment Property Sale 28 of 34
• How to Prevent a Tax Hit When Selling a Rental Property 29 of 34
• What Is a 1031 Exchange? Know the Rules 30 of 34
• Avoiding a Big Tax Bill on Real Estate Gains 31 of 34
• Key Reasons to Invest in Real Estate 32 of 34
• Reasons to Invest in Real Estate vs. Stocks 33 of 34
• Is Real Estate Investing Safe? 34 of 34

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20 Impressive Examples of Realtor Bios That Win Clients [Template & Examples]

Published: April 04, 2024

Your realtor bio sets the stage for success. A great bio can help capture new clients, while a poorly written one can send buyers to your competition.

Why is a realtor bio so important? The National Association of Realtors (NAR) found that 52% of home buyers found their homes online. Before reaching out, those home buyers read realtor bios to understand agents’ backgrounds and experiences.

In this post, you’ll learn how to write a strong realtor bio that makes a great first impression.

Table of Contents

Why Real Estate Agent Bios Are Important

How to write a real estate agent bio, excellent real estate agent bio examples, real estate agent bio templates, new real estate agent bio examples, real estate bios when you have no experience, realtor bio tips to keep your readers interested.

Like a business card or website, your real estate bio is crucial to your professional branding. But if you’re stumped on where to start, it helps to know why you’re writing one in the first place. Here are several key reasons why real estate agent bios are important.

1. It describes who you are and why you’re different.

Think of a real estate bio as your first impression, and use it as a vehicle to share your education, experience, and personality (that is, why you’re the person for the job). But remember, a real estate agent bio isn’t a condensed summary of your LinkedIn profile.

In your writing, describe who you are and why it matters. For example, you could write that you were born and raised in [X] area, but why does it matter? Because you have extensive knowledge of the local market. Including the “why” is attractive to potential clients.

2. It builds credibility.

Most clients seek an agent with experience, a great reputation, and sharp negotiation skills. The list goes on. Use your real estate bio to showcase any awards, recognitions, or impressive stats that support these skills.

Of course, there’s a fine line between tooting your own horn and bragging, so tread lightly here. Stick to one or two relevant or impressive accomplishments.

3. It establishes your connection to the community.

Real estate is a local business. Someone looking to sell their property in Texas wouldn’t hire an agent in Hawaii. Instead, they want someone local who knows the ins and outs of the local market.

Now, this doesn’t mean you need deep roots in a particular community to succeed. However, you should position yourself as an enthusiastic advocate for the area by explaining why you chose to move there (or stay, if you’re a native).

Let’s take a look at the steps needed to create an excellent realtor profile and look at bio examples from realtors.

• Use a professional bio prompt template.
• State your real estate experience.
• Convey your connection to the area you sell in.
• Emphasize the value you provide clients.
• Include any of your special designations (if applicable).
• Provide any past sales statistics (if applicable).
• Include any awards you've won (if applicable).
• Tell a story or include personal information about yourself.

1. Use a professional bio prompt template.

Why start from scratch? Writing a real estate agent bio can be difficult, given the pressure you’re facing to impress clients before meeting them in person.

We’ve compiled over 80 professional bio templates and examples for you to use when writing your real estate agent bio. Whether you want to write in the first person or third person, share it on Twitter or LinkedIn, or make it long or short, we’ve got you covered with prompts and real examples.

4. Why You’re in Real Estate

Do you have a passion for selling? A penchant for buying? Are you most interested in acreage-type properties? New homes? Historical buildings?

Whatever attracted you to real estate, make it clear in your bio. Clients want a professional on their side, but they also want a human being who has a passion for the work they do and the people they help. This is your chance to stand out from the more typical bios of other real estate agents, which often highlight their experience but don’t give a sense of the agent as a person or help customers understand why realtors are in the business.

Samples of Realtor Bios With No Experience

So, what does this look like in practice? Here are three sample bios that I’ve written to help you get started.

1. Bob Property ( Location: San Diego, California)

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Create a compelling professional narrative for your summary, bio, or introduction.

Powerful and easy-to-use sales software that drives productivity, enables customer connection, and supports growing sales orgs

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Understanding the Personal Financial Statement

Understanding the personal financial statement  .

Real Estate investing is a team sport and it’s important to leverage the collective power of the deal team to get a deal done.  Whether the team is looking to finance a multifamily deal or to market themselves to potential brokers and sellers, it’s necessa ry to provide a thorough and accurate accounting of their individual and collective financial condition.  The easiest way to do this is through the creation of a  Personal Financial Statement (PFS) .  

Personal Financial Statement – Defined  

A Personal Financi al Statement is a document that contains a detailed accounting of an investor’s  assets,   liabilities,  and income and it’s used to provide evidence of financial strength and/or ability to close on a deal.  In a multifamily transaction, providing a Personal F inancial Statement serves two purposes:  

1.  It demonstrates the ability to support a loan if necessary :  In multifamily lending, there are two types of debt,  Recourse  and  Non-Recourse .  If a lender requires that a deal have “recourse” it means that they requi re the personal guarantee of the principal(s) in the loan transaction.  Providing a guarantee gives the lender the legal means to pursue the personal assets of the loan  “ guarantor(s)”  should a deal go bad.  In a non-recourse deal, there are no personal gu arantees.    

To ensure that the guarantors have the personal capability to repay a loan, the lender will ask them to provide a Personal Financial Statement.   As a general rule of thumb, a lender wants to see post transaction liquidity of at least 10% of t he loan amount 2  and post transaction net worth of 100% of the loan amount.  If there are multiple guarantors, these rules apply to them collectively.  

2.  It inspires Broker/Seller Confidence :  The other purpose of a Personal Financial Statement is to inspire  confidence in brokers and sellers that an investor has the financial wherewithal to close on a deal.  

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14 Examples of a Great Real Estate Mission Statement

Published by Brian E Adams on March 18, 2024 March 18, 2024

Start With Why .

Your brand, your customer avatar, your prospecting methods, everything originates from your business mission.

Figuring out who you are, and who you are not , is an important first step in giving your real estate business a purposeful direction .

Once you have a mission statement, you can then begin building your business, value propositions , and personal brand from those core values.

Table of Contents

• Mission vs Strategy vs Value Proposition vs USP

Examples (Written)

Examples (video).

• Steps to a Great Mission Statment

Mission v Strategy v Value Proposition v Unique Selling Proposition

It’s easy to confuse missions, value propositions, and strategies. But don’t!

It is important that your mission be a short and concise statement that you can memorize. If you have a team, everyone on your team should be able to recite it from memory.

It does no good to have a mission statement saved in a Word document somewhere. If you and your team cannot remember your mission from memory, then you do not have a mission.

• EXAMPLE: Hood Homes Blog is the most trusted authority on Killeen, TX single-family real estate investing.
• EXAMPLE: Knowledgeable, Local Expert, and Investor Savvy.
• EXAMPLE: Hood Homes Blog creates blog content on all topics Killeen, TX as well as real estate in order to earn trust in local knowledge and expertise. Posts regularly in Bigger Pockets to establish oneself as a local investor expert. Attend local auctions.
• EXAMPLE: Hood Homes Blog performs commercial grade underwriting on SFR assets for investors.
• EXAMPLE: Hood Homes Blog offers discounted commissions for repeat customers like investors.

Remember, your mission is not “to make money”.

Yes, real estate is a business, the purpose of which is to be profitable and provide income for yourself and your employees. But you earn income when you trade something of value. Clients hire you and pay you because you are giving them value.

What is the value you are selling? That is how you should think about your mission, and money comes later.

Halton Pardee + Partners

• Knowledgeable . We strive to understand our markets and our clients’ needs.
• Connected . Relationships are everything to us; we connect people to their homes and to their communities.
• Passionate . We love what we do. We believe that working with “all heart” can change the world.
• Playful . We never take ourselves too seriously. Real estate can be, dare we say, fun!
• Upstanding . Our clients’ needs and best interests are at the heart of everything we do.
• Effective . We set a high bar and move mountains to exceed expectations.

We work as a team.

Our concierge brokerage model made up of specialized departments provides our clients with an unparalleled experience in buying, selling, or leasing a home.

DeLeon Team

DeLeon Realty values teamwork and interdisciplinary collaboration as a path to insight and excellence in our work. Our company’s team of committed professionals embrace the following core values:

• Quality : We deliver only excellence and aim to exceed expectations in everything we do.
• Integrity : We conduct ourselves in the highest ethical standards, demonstrating honesty and fairness in every decision and action.
• Agility : We execute expeditiously to address our clients’ needs.
• Courage : We make decisions and act in the best interests of our clients, even in the face of personal or professional adversity.
• Respect and Trust : We treat our clients and each other with dignity and respect at all times.
• Fun : We believe in having fun at work and with each other.

Ben Kinney Companies

The Ben Kinney Team strives to perfect the systems and strategies that get more homes sold for the most amount of money in the least amount of time.

We tap into our team’s unparalleled knowledge of the local real estate market, real estate tech tools, and aggressive marketing and search engine strategies to help sellers achieve the best possible success in pricing, showing and marketing their properties.

What Sets Us Apart

At Ben Kinney Companies, we have a defining culture of doing much more than just selling real estate. As a Keller Willams affiliated organization, we share the KW culture of serving each other, our communities and our planet. Our mission, vision, values and culture differentiate us as industry innovators and leaders.

Delivering the dream of home ownership everywhere. All branches of the Ben Kinney Companies have this same goal, because owning real estate provides security, safety and opportunity for individuals. The technology we build helps real estate agents become more efficient at their job and find more customers to deliver on that mission. Our training prepares agents to be even better by utilizing exceptional techniques and systems, and the Ben Kinney Teams constantly help families find and sell homes.

Win, Make, Give, and Do Good.

We want to win at what we do, and we do all we can to help our customers, agents and employees build wealth. We love to work with people who are passionate about working hard and also giving back to their communities in a big way.

H.E.A.L.T.H.

Our values are what everyone who works at Ben Kinney Companies strives for each day, and they are applicable to any companies we work with. These values are also the metric we use to decide to invest or get in business with others. We believe our team’s success is determined by our ability to maintain our HEALTH, which is defined by our core values:

• Extraordinary results
• Accountable in all things
• Leaders only

The Loken Group

Mission Statement

Our mission is to inspire a positive, lasting impact.

• HUMBLE. We never forget that we owe everything to the efforts of each team member, our families, and our clients.
• GRIT. We persevere in our efforts no matter the obstacle with a high sense of urgency and always keeping our team and clients top of mind.
• INTEGRITY. We promise to always do the right thing for our team, our business, and our clients, resulting in mutual success.
• SERVANT LEADERSHIP. We are passionate about giving back in the communities we serve.
• ACCOUNTABLE. We operate with a high level of accountability, taking full ownership in delivering on our commitment to excellence.
• INNOVATIVE. We pursue excellence by pushing each other to be better every day and seeing possibility instead of limitation.
• SOLUTION-BASED. We are resourceful, always seeking to discover a solution and providing options for any concerns that arise.

Chantel Ray Real Estate

To glorify God by putting our clients’ interests above our own.

Vision Statement

To change the lives of the communities we serve through abundant giving.

Our Core Values

• Think win/win
• Be a go getter
• Follow up and follow through
• Address issues head on
• Do the right thing
• Let your yes be yes and your no be no
• Drive the bus, land the plane

We hold all of our team members accountable to embrace the following core values:

• CRUSH IT: We are committed to excellence and embrace change
• COMMUNICATION: We seek to understand and communicate clearly
• RESPECT: We respect the thoughts and time of those around us
• INTEGRITY: We always choose to do the right thing and operate professionally
• LEADERSHIP: We seek to edify, motivate and inspire others
• HUMBLE: We are grateful and check our ego’s at the door
• OWN IT: We are accountable and are accountable for our actions
• WELL BALANCED: With our commitments and our temperaments
• PROACTIVE: We innovate and constantly improve
• UNITY: We have fun, encourage and celebrate the journey TOGETHER!

To redefine the method in which real estate is sold.

To empower our team to deliver the best service and to empower our clients to reach their real estate goals.

The BREL Team

We think that you should expect more from your real estate experience.

• More services and inclusions
• More experience and expertise
• More marketing power and exposure
• More expert guidance and truth

As a team, we’ve pooled our talents and resources and invested in specialized in-house experts focused on staging, marketing and administration. Which means our agents are left to….service our clients.

How does that benefit the Buyers and Sellers who work with BREL?

• More attention
• More competent agents
• More communication

Our agents sell homes. They build relationships. They problem-solve. They negotiate. They go into scary basements. They discover neighbourhoods. They obsess over prices, market values and the newest, hottest listings. They make sure our clients don’t buy the wrong home. Meanwhile, the rest of the BREL team does what they do best: Next-level staging. Killer photography. Powerful marketing. Rock-solid paperwork. Concierge services for our clients.

It’s Win/Win. And it’s all included in our commission: Solid Experience. Real Results. Full Transparency. Communication Guaranteed.

We Believe In:

• Embracing fresh ideas and bold thinking
• Being real and transparent
• Being responsive and available
• Obsessing about the details
• Doing the right thing for the long term
• Doing what we love and outsourcing everything else
• Being ourselves

Ryan Smith Home Selling Team

OUR CORE VALUES

As our team has grown, it’s become more and more important to identify and outline the core values that guide everything we do. Our core values develop and define our culture, our brand, our business strategies and who we are as professionals in today’s corporate world. It is our goal to consistently live these core values out in our lives on a daily basis and we encourage both our teammates and our clients to hold us accountable to these values.

• Innovate and lead
• Embrace accountability
• Focus on solutions
• Build relationships and have fun
• Be great and never settle

OUR MISSION STATEMENT

In addition to our core values, our mission statement more clearly defines our true purpose as an organization and further enhances our team culture. We are unified in consistently living out our core values and performing our professions in direct alignment with our mission statement.

We are dedicated to providing world-class service and market-leading expertise to our clients. We are passionate about providing the extra value that others simply will not. Fanatical integrity and consistently impressive results will be the signature of our service. Our collaborative spirit and desire to grow will help us achieve the goals we set. We will make the families we serve feel special, creating raving fans, and help them truly win. We will succeed because we will not let our clients fail.

McKinnies Realty

Realty Austin

Movementum Realty

Stovall Realtors

Real Estate Heaven

Next Steps to a Great Mission

Good mission statements are one of the most important elements of good leadership.

The Army knows this. The entire world of military tactics and operations revolves around “Mission Command” and the 5 paragraph operations order (OPORD). The most important element in an OPORD is paragraph 2: The Mission.

Your business needs to start with the why. Start with the mission.

Start With Why: How Great Leaders Inspire Everyone to Take Action

Simon Sinek

Business coach Simon Sinek wrote Start With Why , a fantastic book about how successful business leaders begin with their mission.

It may seem like common sense, yet countless businesses fail to inculcate their mission.

The consequence is a decision-making process that is misaligned with company goals, wasted effort, and, ultimately, failure.

A mission is much more than a feel-good kumbaya slogan to paint on your office wall.

Hopefully, these are some useful starting points to build your company mission and setting goals for your real estate business!

Updated March 18, 2024; Originally published September 27, 2018.

Hello. Am studying here, property development. Trying to create a suitable vision statement only.

Thank you for the information.

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Property Management Personal Statement Examples

• 1 Personal Statement Example Links
• 2 Career Opportunities
• 3 UK Admission Requirements
• 4 UK Earnings Potential For Property Managers
• 5 Similar Courses in UK
• 6 UK Curriculum
• 8 Alumni Network

Personal Statement Example Links

• Personal Statement Example 1
• Personal Statement Example 2
• Personal Statement Example 3
• Personal Statement Example 4
• Personal Statement Example 5

Are you interested in pursuing a career in property management? If so, you may be looking for a university course that will provide you with the skills and knowledge necessary to become a successful property manager.

This guide will provide you with an overview of the property management course, as well as personal statement examples to help you craft your own.

Property management is a growing field, with a variety of job opportunities available. Property managers are responsible for the day-to-day management of properties, including residential and commercial buildings. This includes managing tenants, collecting rent, and ensuring that the property is properly maintained.

A university course in property management will provide you with the skills and knowledge necessary to become a successful property manager. You will learn about the legal and financial aspects of property management, as well as the practical skills needed to manage a property. You will also learn about the different types of properties and how to market them.

In addition to the academic side of the course, you will also be required to complete a work placement. This will give you the opportunity to gain practical experience of property management and to put the theory you have learned into practice.

👍 When writing a personal statement : Highlight your passion for the course, demonstrating your understanding of it. Use relevant personal experiences, coursework, or work history to showcase how these have fostered your interest and readiness for the course.

Career Opportunities

A degree in property management can open up a variety of career opportunities.

1. Property Manager: A property manager is responsible for the day-to-day operations of a property, such as leasing, maintenance, and tenant relations. They may also be responsible for marketing the property and ensuring it meets all local and state regulations.

2. Real Estate Agent: Real estate agents help clients buy and sell properties. They must be knowledgeable about the local market and be able to negotiate the best deals for their clients.

3. Property Developer: Property developers are responsible for finding and developing land into profitable properties. They must be knowledgeable about zoning laws, financing, and construction.

4. Facility Manager: Facility managers are responsible for the overall maintenance and upkeep of a property. They must be knowledgeable about building codes, safety regulations, and energy efficiency.

5. Property Appraiser: Property appraisers assess the value of a property for tax purposes or for sale. They must be knowledgeable about the local market and be able to accurately assess a property’s value.

6. Property Accountant: Property accountants are responsible for the financial management of a property. They must be knowledgeable about accounting principles, budgeting, and financial reporting.

7. Construction Manager: Construction managers are responsible for overseeing the construction of a property. They must be knowledgeable about building codes, safety regulations, and construction scheduling.

UK Admission Requirements

In order to get accepted into a university course in Property Management, applicants must have achieved a minimum of a 2:1 in their undergraduate degree, or equivalent qualification, in a related subject such as Real Estate, Business, Economics, or Law. In addition, applicants must have achieved a minimum of a grade B in GCSE Maths and English.

In comparison to similar courses, the entry requirements for a university course in Property Management are quite high. Generally, courses in related fields such as Real Estate, Business, Economics, or Law will require a minimum of a 2:2 in their undergraduate degree, or equivalent qualification, and a minimum of a grade C in GCSE Maths and English. However, for a course in Property Management, applicants must have achieved a higher grade in their undergraduate degree and a higher grade in their GCSEs .

In addition to the academic requirements, applicants may be required to submit a personal statement and/or attend an interview as part of the admissions process. This is to ensure that applicants possess the necessary skills and knowledge to successfully complete the course.

UK Earnings Potential For Property Managers

The average salary for someone with a degree in property management can vary widely depending on the specific job and the location of the job. According to PayScale, the average salary for a UK property manager is £25,000 per year. This can range from £17,000 to £40,000 per year.

In terms of trends in the job market, the demand for property managers is expected to increase in the UK over the next few years. This is due to a combination of factors, including an increasing population, a growing demand for rental properties, and the need for more efficient management of existing properties.

In addition, the UK government has implemented several initiatives to encourage the development of new housing, which will also create more jobs in the property management sector.

Similar Courses in UK

Other university courses related to Property Management are Building Surveying, Real Estate Management, and Property Development.

Building Surveying focuses on the technical aspects of property management, such as building regulations, construction and maintenance. It also covers legal aspects such as landlord and tenant law.

Real Estate Management is a more business-focused course, covering topics such as marketing, finance, and economics. It also covers the legal aspects of property management, such as contracts, leases, and taxation.

Property Development is a more specialized course that focuses on the development of new properties, such as the design, planning, and construction of new buildings. It also covers the legal aspects of property development, such as planning permission and zoning regulations.

The key difference between these courses is the focus. Property Management is a broader course that covers all aspects of property management, from the technical to the business aspects. Building Surveying and Real Estate Management are more specialized courses that focus on specific aspects of property management, while Property Development focuses on the development of new properties.

UK Curriculum

The key topics and modules covered in a university course in Property Management include:

• Introduction to Property Management: This module covers the basics of property management, including the legal and regulatory framework, the role of the property manager, and the key principles of property management.
• Property Law: This module covers the legal aspects of property management, including landlord-tenant law, contract law, and property rights.
• Property Valuation: This module covers the principles of property valuation, including the different methods of valuation and the factors that influence the value of a property.
• Property Maintenance: This module covers the basics of building maintenance, including the inspection and maintenance of buildings, the use of preventive maintenance, and the management of repairs and renovations.
• Property Management Accounting: This module covers the basics of property management accounting, including the use of accounting software, the preparation of financial statements, and the management of accounts receivable and accounts payable.
• Property Management Marketing: This module covers the basics of property management marketing, including the use of marketing strategies and techniques, the use of social media, and the use of digital marketing.
• Property Management Technology: This module covers the use of technology in property management, including the use of software, the use of mobile applications, and the use of cloud-based services.

Alumni Network

Notable alumni from the course in Property Management include real estate developer and investor Sam Zell, who is the founder of Equity Group Investments and Chairman of Equity International. Zell has been involved in many large-scale projects, including the purchase of Anixter International and the purchase of the Tribune Company. He is a major philanthropist, having donated millions of dollars to various causes.

Other notable alumni include real estate mogul Donald Trump , who is the founder of The Trump Organization, and real estate investor and developer Richard LeFrak , who is the founder and CEO of the LeFrak Organization.

Alumni events and networking opportunities are available through the Alumni Network, which is a platform for alumni to connect with each other, share experiences, and stay up-to-date on the latest news and events. The Alumni Network also offers mentorship programs, career development resources, and networking events.

Reach out to us for career and sponsorship opportunities

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A Medical MBA Company The Medical MBA Ltd Company number: 13561401 86-90 Paul Street, London, England, United Kingdom, EC2A 4NE

The Profit and Loss Statement for Real Estate Made Easy

This article explains the Profit and Loss (P&L) Statement for rental property owners, outlining how to effectively generate and analyze these financial reports to monitor and enhance business performance. With Azibo's intuitive tools, property owners can effortlessly manage their financial data, gaining crucial insights to optimize profitability and ensure efficient property management.

Are you looking to build wealth through rental properties but daunted by financial reports? Mastering the creation and analysis of a profit and loss (P&L) statement is key to successful real estate investing.

A P&L statement offers vital insights into your property's financial health. This guide will cover the complexities of these financial reports and demonstrate how investors can use them to monitor their business performance. With Azibo's intuitive tools, you'll learn how to effortlessly generate, review, and utilize these statements to comprehend your returns fully.

Join us as we simplify the process with Azibo and explore how these documents can drive profits and effectively grow your real estate business.

Understanding the profit and loss statement

A Profit & Loss Statement (P&L), also known as an income statement, is a financial document that outlines your rental business's revenues and expenses over a specific period. This report provides a detailed breakdown of how your property is performing financially by showcasing the primary sources of income and the areas where you are incurring costs.

By analyzing a P&L statement, you can gain deep insights into the main profit drivers of your rental business, such as rental income, fees, and service charges. It also highlights the various expense categories that impact your net income, such as property maintenance, management fees, and marketing costs. 

Understanding these components helps you identify cost reduction and revenue enhancement opportunities, guiding strategic decisions that can boost your overall profitability.

The key components of a profit and loss statement

To learn how a P&L statement works, let's break down four key components: Income, operating expenses , net operating income , and pre tax net income.

This section captures the total revenue generated from property rentals. It includes not only the monthly rent payments but also additional income streams such as late fees , and possible earnings from amenities like laundry facilities and parking. This provides a holistic view of the gross income your properties are generating.

Here, the P&L statement lists all costs associated with managing and maintaining your rental properties. These expenses range from property management fees and repair costs to utility expenses not covered by tenants and property taxes. By tracking these expenses, you can gauge the efficiency of your property management practices and identify potential areas for cost savings.

Common landlord operating expenses include:

• Advertising and marketing : Costs related to advertising vacancies and marketing the property to find tenants. It may include posting listings on rental platforms, signage, flyers, etc.
• Technology : Expenses for landlord software , communication services, and other tech tools to manage the property.
• Staffing : Any salaries, wages, and benefits paid to on-site property managers, maintenance staff, or other team members.
• Insurance : Premiums for landlord insurance , rent guarantee insurance, and other policies to protect your investment.
• Office supplies : Administrative expenses for office supplies.
• Professional services : Fees paid for legal advice, accounting, consulting, and other professional services.
• Repairs and maintenance : Costs to repair, maintain, and improve the property.
• Property services : Expenditures for landscaping, pest control, trash removal, etc.
• Taxes : Property taxes, taxes on rental income, and other taxes specific to your jurisdiction.
• Utilities : Electricity, water, gas, and other utility costs.

Net Operating Income (NOI)

This metric is derived by subtracting operating expenses (excluding financing costs like mortgage payments, taxes, and depreciation) from the total income. NOI reflects the core profitability of your rental operations , offering a clear picture of how effectively your property is performing independently of financing and tax considerations.

Pre-Tax net income

This figure represents the income remaining after all operating costs, including interest payments but excluding income taxes, have been deducted. It provides insight into the financial health of your business before tax obligations and is important for understanding the cash flow available to property owners.

Example of a rental property profit and loss statement

Let's explore a detailed example to better grasp the mechanics of a profit and loss statement for a rental property. For this scenario, we will use a hypothetical duplex rental property.

Revenue breakdown:

The duplex's primary revenue source is the monthly rent collected from tenants. Properties also might receive income from other sources, such as from pet fees or parking charges. In this example, the duplex generates additional income from parking fees.

Rental income:

• Tenant A: $1,200/month
• Tenant B: $1,100/month
• Additional income from parking fees: $200/month

Operating expenses breakdown:

Operating expenses cover various costs associated with managing and maintaining the property. Our example includes everyday operating expenses to illustrate how to factor these elements into the P L real estate statement.

Property management fees:

• Monthly management fee: $150.

Maintenance and repairs:

• Regular maintenance: $75/month.
• Repairs (non-recurring): $500.
• Water and sewer: $50/month.
• Electricity: $80/month.

Insurance and taxes:

• Property insurance: $60/month.
• Property taxes: $150/month.

Miscellaneous expenses:

• Legal fees: $100 (non-recurring).

Net Operating Income (NOI) calculation:

You can now calculate the net operating income by deducting the total operating expenses from the gross income.

Gross income:

• Rental income: $1,200 + $1,100 = $2,300/month
• Additional income: $200/month
• Total gross income: $2,500/month

Total operating expenses:

• Property management fees: ($150) = $150/month
• Maintenance and repairs: ($75 + $500) = $575/month
• Utilities: ($50 + $80) = $130/month
• Insurance and taxes: ($60 + $150) = $210/month
• Miscellaneous expenses: $100 (non-recurring)

Total operating expenses: $1,165/month

Net operating income (NOI): $2,500 - $1,165 = $1,335/month

This example showcases how a rental property's profit and loss statement transforms raw financial data into a meaningful representation of the property's financial performance.

Calculating CAP rate

The capitalization rate, or CAP rate, is another useful metric real estate investors calculate from the P&L statement. The CAP rate measures the rate of return based on the income generated by the property.

To calculate, divide the NOI by the property's total value or purchase price:

CAP Rate = Net Operating Income / Property Value

For example, based on the $1,335 NOI calculated for our duplex, if the purchase price is $300,000, the CAP rate would be:

CAP Rate = $1,335 NOI / $300,000 Property Value = 0.0445 or 4.45%

The CAP rate helps investors evaluate the potential return from a property based on its price and income-generating ability. The higher the CAP rate, the better the expected return on investment.

When should you run a profit and loss statement?

Regularly reviewing a profit and loss statement is key to effective financial management of your rental property. Analyzing income and expenses provides insights into making decisions to increase your property's net operating income.

Here are some recommendations for when to run a P&L statement:

A monthly P&L gives a snapshot of the property's finances for that specific month. It helps spot trends, cash flow changes, or irregularities quickly so you can take timely action if needed. For example, you may adjust rents, address excessive costs, or find new revenue sources.

Year-to-date

A year-to-date (YTD) statement summarizes financial performance from January 1st through the current date. The extended timeframe allows you to identify long-term patterns and evaluate the effectiveness of strategies implemented during the year.

An end-of-year P&L is an important document to have handy when tax season arrives. It provides comprehensive details on rental income and expenses to file taxes accurately. The statement captures annual income, deductions, and depreciation for tax reporting purposes.

Beyond taxes, the year-end statement also allows for a bigger-picture analysis. Reviewing the full 12 months helps you evaluate the property's overall financial health and ROI. It guides strategic decisions for the new year ahead, such as adjustments to rental rates, budgets, or investment plans to maximize returns.

So, the annual P&L serves two needs: accurate tax filing and assessing the property's performance to guide future financial plans. This year-end overview is valuable for rental property owners as a compliance tool and financial planning resource.

Profit and loss statement with Azibo

Azibo simplifies the process of creating a P&L statement, offering tools tailored for rental property owners to gain a comprehensive understanding of their financial health.

How to generate a P&L statement in Azibo

• Import transactions : Start by linking your bank or credit card accounts to Azibo. This integration allows for automatic importation of all rental business transactions. You can also manually record transactions if needed, ensuring all financial activities are captured.
• Categorize transactions : Utilize Azibo's bookkeeping tools to assign each transaction to a specific property and category based on the Chart of Accounts. This categorization is crucial for accurate financial reporting and analysis.
• Generate the report : Navigate to the 'Reports' section and click on 'P&L Statement'. Here, you can select individual properties, a portfolio, or all your properties and specify the time period for which you want the report generated. Azibo provides a dynamic interface where you can see the live results of your P&L statement.

Components of Azibo's P&L Statement

To ensure clarity, let's outline again the essential components featured in Azibo's P&L reports:

• Income: This captures the total revenue generated from property rentals. It includes consistent streams like monthly rents and additional earnings from amenities such as laundry services and parking.
• Expenses: These are the comprehensive costs related to the management and upkeep of your properties, encompassing everything from property management fees to repairs, and utilities not covered by tenants, to property taxes.
• Net Operating Income (NOI): Calculated by deducting operating expenses (not including financing costs and taxes) from your total income, this figure provides a snapshot of your properties' operational profitability.
• Pre-tax net income: This figure represents the remaining income after all operating costs and interest expenses have been subtracted, but before tax liabilities. It offers insight into the cash flow available to property owners.

Azibo’s P&L statement provides a level of detail and structure not typically found in standard accounting reports like Schedule E . While Schedule E is important for tax reporting, Azibo's P&L gives a more comprehensive view of your business's cash flow and operational efficiency.

This detailed financial insight helps property owners make informed decisions to enhance profitability and manage cash flows effectively.

Real estate profit and loss statement

A profit and loss statement helps rental property owners evaluate the financial performance of their investments. By tracking key components like income, expenses, and net operating income, P&Ls provide visibility into the health and profitability of your real estate business.

Regularly reviewing your rental property's financial calculations uncovers opportunities to optimize returns through strategic adjustments to rental rates, cost controls, or new revenue streams. It also serves as the foundation for tax planning and compliance. 

The payoff is gaining metrics, trends, and insights to make smart financial decisions that maximize rental income .  Whether you run your P&L monthly, annually, or on other schedules, it delivers the information you need to take your real estate business to the next level.

Profit and loss statement FAQs

What role does a profit and loss statement play in tax planning for real estate.

the profit and loss statement is a critical tool for real estate investors and owners to effectively plan and manage their tax obligations, maximize deductions, and ensure compliance with tax laws and regulations.

What should I do if my profit and loss statement shows a loss?

If your profit and loss statement shows a loss, you can evaluate your expenses and revenue strategies to identify areas for improvement. Consider adjusting rental rates, reducing operating costs, or exploring new sources of income to optimize profitability.

Important Note: This post is for informational and educational purposes only. It should not be taken as legal, accounting, or tax advice, nor should it be used as a substitute for such services. Always consult your own legal, accounting, or tax counsel before taking any action based on this information.

Nichole co-founded Gateway Private Equity Group, with a history of investments in single-family and multi-family properties, and now a specialization in hotel real estate investments. She is also the creator of NicsGuide.com, a blog dedicated to real estate investing.

Whether you’re a property owner, renter, property manager, or real estate agent, gain valuable insights, advice, and updates by joining our blog.

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Capital gains tax on real estate and home sales.

Selling your home is a process, and it may not end with closing. Even after you hand over the keys, in some cases a few tasks may remain, including properly filing and paying your taxes. If you’re thinking about, preparing to or are in the middle of selling your home , it may be helpful to explore the ins and outs of capital gains taxes on home sales. Note the information in this article is not intended to be tax or legal advice. Please consult with your legal and tax professional.

Are there taxes on the sale of a property?

As you gear up to sell your home, you may be wondering what this means as tax season rolls around. Whether you pay taxes often depends on how long you’ve owned your home, what type of residence it is, how much you’re profiting from the sale and how you plan on filing your taxes.

What is capital gains tax on real estate?

In simple terms, capital gains tax is a tax imposed on the profit you make from selling an asset that you own or use for personal or investment purposes, including real estate. When you sell your home for more than you paid for it, the gain may be taxable. The taxable gain or loss is calculated based on the difference between the amount you sell your home for and your adjusted basis in the property (generally, the price you paid to purchase the property plus the cost of certain additions and improvements, or the constructions costs if you contracted to build your home).

When do you pay capital gains tax on real estate?

In most cases, capital gains taxes are paid after a piece of real estate is sold. If a property appreciates in value but isn’t sold, the owner is generally not liable for capital gains tax solely based on the appreciated value of their property . The event that usually triggers a potential capital gains tax is the realization of a gain from the sale of the property.

Capital gains are usually reported in your tax return for the taxable year of the sale, which is filed in the following tax season. For example, if you sold a home in 2023 and realized a capital gain, you will need to report it in your annual tax filings submitted in the spring of 2024. How much you end up paying will likely depend on your tax bracket and how long you’ve held the asset. If you have taxable capital gains, you may be required to make estimated tax payments.

Do you always pay capital gains tax on a home sale?

There may be times when one doesn’t pay capital gains tax on a home sale. If you meet all three of the following criteria then you may not be required to pay capital gains on up to $250,000 of gain on a home sale (if filing as an individual) or up to $500,000 (if filing jointly) :

• You’ve owned your home for at least two years out of the last five years before the sale date.
• You’ve used the home as your primary residence for at least two years during the five years prior to the date of your sale.
• You have not filed an exclusion on the gain from the sale of another home sale within two years prior to the sale.

If you’re looking to learn more about potential tax benefits , consider consulting a tax professional.

Capital gains tax is a tax imposed on the profit from the sale of a property owned or used for personal or investment purposes. Understanding when, and if, capital gains tax impacts your home sale can help you plan your sale and help ensure your finances are organized as both a homeowner and a taxpayer.

Capital gains tax FAQs

How do you calculate capital gains tax on real estate.

Your capital gains taxes are based on the gain or loss you realize from the home sale. If you’re looking to calculate capital gains tax, it’s highly recommended to seek advice from a tax professional to provide an accurate estimate.

How do you report a property sale?

Your taxable gain from the sale of your home may be required to be reported on your federal income tax return. You may also be required to file a state income tax return to report the sale or transfer. If you’re looking to report a property sale, it’s highly recommended to seek advice from a tax professional.

Does capital gains tax apply to inherited real estate?

Yes, capital gains tax may apply to inherited real estate if you sell the property. You will need to determine your basis in the inherited property. Consider contacting a tax professional to learn more.

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Leaving your house to your loved ones

Key takeaways

For many families, deciding what to do with a home can be the most complex part of an estate plan: A house is potentially worth a significant amount of money, can be complicated to inherit, and may also be wrapped in memories and emotion. For these reasons, it is important to come up with a specific strategy for the role a home plays in an estate plan.

3 things to know before getting started

1. Input from everyone involved can make planning easier.

To prepare for a smooth and efficient transfer of a home, start by thinking about your goals and your financial situation. First ask: What would you like to see happen with the house? After understanding your goals, be sure to discuss your wishes with your family.

Your children may have different ideas about whether they would want to live in, sell, or keep the property for investment purposes. Although these conversations can be difficult, it is very important to have them, so you may want to have someone neutral help to facilitate the discussion.

For example, consider a couple who was planning to leave a vacation home to their 2 children equally so that the children could continue the long tradition of family vacations. However, one child lived far away and already owned a vacation home in that area. Leaving the home equally would have created issues regarding maintenance cost, property taxes, and upkeep. If the siblings decided not to share the house and executed a transfer of ownership, it might have increased taxes and created transaction costs. Disagreement on whether to continue shared ownership could also have caused hurt feelings and disrupted what was otherwise a good relationship. A family conversation helped them realize that a shared inheritance didn't make sense.

2. Your heirs could end up owing money.

If the person who inherits the home doesn't want to keep ownership of it, they may incur legal fees, taxes, and other transaction costs. In addition, several states have estate tax exemption limits far below the federal level. If the value of the home exceeds that limit, and there aren't other assets from the estate available to pay the taxes, the heir may have insufficient funds to pay the state estate tax bill. That could force a sale of the home or force the heir to seek financing options to pay the bill. If they sold the house, it would be taxed based on its value at the time of the previous owner's death.

3. The mortgage might become due.

Most mortgages have a "due on sale" clause that may be triggered at death. If so, other liquid assets in the estate would need to be used to pay off the debt, the inheritor would need to qualify for a mortgage on their own, or the home would need to be sold.

6 options for passing down your home

Let's look at a number of different ways to make passing down a home as smooth as possible.

1. Co-ownership

One common idea that people have about passing the home to kids is seemingly simple: Just add the heirs as co-owners on the current deed. If the deed lists someone else as a joint tenant, they will become co-owners at the time the deed is changed, and they will automatically take ownership of the home at the time of the original owner's death.

There are some downsides to this approach, however. First of all, if a child is added as a co-owner, there are gift tax considerations. There is a limit to how much someone can gift another person without paying a gift tax, both yearly and in a lifetime. When a house is given as a gift through co-ownership, the portion transferred is considered a taxable gift and counts toward the lifetime exemption, so it has to be reported for gift tax purposes. If a single parent added a child to the deed, the parent would need to report 50% of the value of the home as a taxable gift (based on fair market value of the home at the time of transfer).

Secondly, assets that are gifted during the owner's lifetime will not receive a step-up in basis to the asset's fair market value at the death of the previous owner. The previous owner's cost basis will carry over to the new owner at the time of the gift. Let's assume mom wanted to add her son to the deed of her home to facilitate its transfer at mom's death. Mom's original cost basis with improvements was $250,000, and the fair market value was $500,000 at the time mom added her son to the deed. The value of the gift was $250,000 (50% of $500,000), but when mom died, the son's cost basis on his share of the house was still $125,000 (50% of the $250,000). The cost basis used for capital gains tax purposes doesn't get a step-up at the time of death—instead, the child may get a larger tax bill on the portion of the house that was given to them if they eventually sell the house after the co-owner's death.

Finally, if a child is added as co-owner, the home becomes an asset of that child, potentially creating additional issues. First, if the child runs into financial trouble, gets divorced, or has other issues, your home may be put under a lien or become subject to other action. Second, the co-owner would need the child's permission to sell the home, take out a new mortgage, or refinance an existing one. And finally, the child may decide they would like to sell the home, which can create challenges.

A will can be used to pass on a home. This process helps ensure that the owner decides who inherits the property. However, assets that transfer through a will still pass through the probate process, which can be time-consuming and expensive. In addition, a will is a public document, so anyone can review the decedent's assets and see who inherited them, creating a potential privacy concern.

3. A revocable trust

A revocable trust is a legal structure that allows the "grantor" or "trustee" to retain control over their assets during their lifetime, as well as specify exactly how and when their assets pass to their beneficiaries. After the grantor's death, the trust acts as a will substitute and enables the assets to be privately and quickly distributed without going through the time and expense of the probate process. This will allow the grantor full control and use of their home during their lifetime while providing for efficient distribution at their death.

Due to the complexity of trusts and the variation in state-level rules, it is important to work with a professional to set up a trust, which costs money, but may be the only way to help ensure that the trust works effectively. It is also important to remember that it is typically necessary to change the titling of your assets for the trust to function as intended.

Finally, a trust may be particularly beneficial for families that own properties in more than one state. Without a trust, an estate may pass through probate in multiple states. "For many of my clients, one of their main goals is to pass down assets to beneficiaries without probate, and so a revocable trust is a core component of their estate plans," says Terri Lyders, Vice President, Advanced Planning at Fidelity.

4. A qualified personal residence trust (QPRT)

A QPRT is a way to move a primary or vacation residence out of your estate at a reduced gift tax cost. With a QPRT, the home is transferred to the trust right away, but it allows the original owner to retain the right to live in the home for the duration of the QPRT term. During that time, they are responsible for maintenance, taxes, and other aspects of ownership. The trust has an end date after which ownership of the house is transferred to the beneficiary (generally children or a trust for their benefit), and the original owner no longer has the right to occupy the house (although a lease may be negotiated with the beneficiary prior to the end of the term of the QPRT).

In order for this strategy to be effective for tax purposes, the original owner must outlive the term of the trust. Otherwise, if they die before the trust terminates, the value of the home is included as part of their taxable estate and could be pulled back into the estate. While a QPRT may be used for a primary residence, it can be challenging for a person to lose the right to occupy their home, or pay rent to do so, and thus QPRTs may often be used for vacation homes.

A big benefit of a QPRT is that it may reduce gift and estate taxes by taking advantage of the difference in value of the property when it is transferred to the trust versus when it is distributed to the beneficiaries..

Tip: A property that is subject to a mortgage can be difficult to handle from a gift tax perspective, and therefore it is often suggested that any debt be paid off prior to the transfer to a QPRT.

5. A beneficiary designation—a transfer on death (TOD) deed

Some states offer a TOD designation on a deed which essentially names a beneficiary for that property. With a TOD designation, assets pass outside probate, so it's quick and private, and the heirs still get a step-up in basis for tax purposes, which means the value of the house is adjusted to current market value. It may also be less expensive than setting up a trust.

There are some drawbacks to a TOD designation. It allows only individuals or charities as beneficiaries, not a trustee under a trust. That means that if a child is still young at the time of the transfer, they would directly own the home, which may not be practical. There is also no contingency, so if the child named as beneficiary dies before the original owner, there is no provision to skip a generation and pass the asset to their children—the TOD deed would have to be updated by the owner. Additionally, if the home is passed to an adult receiving government benefits, it could affect their eligibility.

Tip: TOD deed options are limited by state law, and many states do not offer this option at all. Check with your attorney or tax advisor to determine whether this option is available and would be appropriate for your circumstances.

If it's unlikely that children will want the home, consider selling it and renting a home later in life. Issues like maintenance, health, and lifestyle may be more important than the financial considerations here, but be sure to consider the tax impact of this decision.

Current federal tax law allows a capital gains exclusion of either $250,000 (for an individual) or $500,000 (for a married couple filing jointly) on the sale of a house, provided that they have lived in that house for 2 of the previous 5 years, and that the home meets the residency requirements. Gains above that amount are taxed. Inheriting a property comes with a step-up in basis (which means it's reassessed at current market value) potentially eliminating capital gains tax.

The bottom line

A home can be the most valuable asset in an estate. If you don't take any action and die without a will or having made any other arrangements, your assets will pass according to your state intestacy laws, which may or may not reflect your wishes. This may include going through probate—a process that is potentially expensive, public, slow, and complicated.

The transfer of real estate assets can pose unique legal, tax, and emotional issues for a family, so it may be beneficial to work with a professional to help protect yourself and your loved ones. It's important to come up with a plan that makes sense for you and your heirs and to create an efficient strategy to execute it.

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Building your FY 2025 portfolio? Here are 5 real estate investment options

Real estate in india remains a top investment choice in 2023, driven by economic growth and high asset allocation by indian households. the article discusses diverse investment options like luxury rentals, second homes, etfs, reits, and fractional ownership..

In 2023, the real estate sector showed resilience amid changing trends. Global economic recovery drove up demand for residential properties in India, thanks to low interest rates and a preference for smart living and luxurious ownerships. With India's status as one of the world's fastest-growing economies propelled by private spending and capital buildup, the real estate sector remains a top investment choice. 

Typically, Indian households allocate 77% of their assets to real estate as this asset class offers potential for high growth, strong returns, and secure income streams. Moreover, with SEBI's new directives on fractional ownership and small REITs, the sector is poised further for significant expansion in 2024.

However, navigating the real estate market and choosing right investment outlets as per current government regulations and rates, can be daunting, especially for newcomers. Also Read: Income tax strategies for real estate investors: Maximising deductions and minimising liabilities

This article explores diverse real estate investment options suitable for various investor profiles and risk appetites.

1. Rental properties

The traditional approach involves acquiring residential properties for rental income. While straightforward, this method requires significant upfront capital and ongoing maintenance costs. Before investing, ensure the property is free of legal issues. Acquisition options include leasing, outright purchase, or financing through loans. 

Notably, there's a rising trend of investing in luxury rental properties, especially in major Indian urban centers such as Mumbai, Delhi, and Bangalore. Industry data indicates that luxury residential real estate in these cities consistently surpasses other traditional assets, boasting an annual price growth of 4% to 7%.

2. Holiday homes and house flipping

Affluent buyers are expanding their property portfolios beyond primary residences to include lucrative second homes. In India, the demand for secondary residences has skyrocketed post-pandemic, reaching a staggering $1.394 billion by the close of 2021—an impressive 88.63% surge from pre-COVID levels. 

Combined with strategies like house flipping, where properties are renovated for increased resale value, Indians are capitalizing on their second homes by turning them into holiday retreats, drawing significant tourist interest. Also Read: 5 essential strategies for maximising REIT investments in FY 24-25

3. REITs and ETFs

Exchange Traded Funds (ETFs) and mutual funds provide indirect exposure to real estate by investing in related assets. Options include ETFs focused on real estate stocks, such as publicly traded builders, or those invested in REITs (Real Estate Investment Trusts).

REITs function similarly to mutual funds by gathering investor capital to purchase income-producing assets. These assets generate rental income, which is then distributed to investors as dividends. Investing in REITs offers various benefits such as immediate liquidity, affordability, regulatory protection, tax advantages among others. With dividends constituting a significant portion of profits(90%), REITs provide a steady income stream, often tax-exempt.

4. Fractional ownership of commercial real estate

This innovative approach involves multiple investors pooling funds to jointly purchase a commercial property. This reduces individual investment costs and risk exposure, while allowing shared rental income. Industry experts forecast significant growth in this segment with fractional ownership properties in India projected to reach $8.9 billion by 2025, growing annually at 10.5%.

Commercial properties typically offer higher rental yields compared to residential options. A 25 lakh investment in fractional ownership could potentially generate ₹ 2 lakh in annual rental income (calculated at 8-12 percent rental yield), coupled with at least ₹ 1.25 lakh in capital appreciation per year, contributing to wealth creation and improved monthly cash flow. Also Read: Your Questions Answered: I want to invest in Nifty Realty Index. Please elaborate on it and how it is taxed?

Choosing the right option

The optimal investment option depends on various factors, including your available capital, desired liquidity preferences, preferred cash flow regularity, and risk tolerance. Owning, leasing, and flipping properties generally require substantial capital and experience in the real estate market.

ETFs provide high liquidity and lower costs but may not offer monthly dividends and might require selling shares to realise returns.

REITs and fractional ownership, though relatively new, are gaining traction as they provide access to the lucrative commercial real estate (CRE) sector for retail investors. While CRE offers good returns, it traditionally requires high capital investment.

Fractional ownership presents a lucrative opportunity with potential annual rental yields between 8 to 12 percent and Internal Rate of Return (IRR) ranging from 13 to 17 percent. Prime properties and retail complexes in business hubs like Gurugram that have emerged as one of the most prospective markets in real estate lately, offer both steady rental income and prospects for capital growth.

All this suggests that fractional ownership of commercial real estate could yield higher and more stable returns in the long run compared to other options and deserves serious consideration for those seeking to diversify their investment portfolios and build long-term wealth.

Aankush Ahuja, Founder and CEO FOIP

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5 Passive Income Streams You Need To Add in 2024, According to Experts

P assive income is money not derived from active involvement such as a salary — and, if you want to get steady income streams, these are the way to go. While these may require some initial investments, whether it’s time or money, once you get started with them, you generally can sit back and relax.

Check Out: How I Make $5,000 a Month in Passive Income Doing Just 10 Hours of Work a Year

Find Out: 5 Unusual Ways To Make Extra Money (That Actually Work)

You can get started by identifying your skills and interests, which can guide your choice of income stream. While experts say this endeavor requires patience and effort, they also say they are worth it in the long run.

Here are some passive income streams worth looking at and adding in 2024, according to experts.

Sponsored: Protect Your Wealth With A Gold IRA. Take advantage of the timeless appeal of gold in a Gold IRA recommended by Sean Hannity.

Dividend Stocks

Dividend stocks are a foundation of any passive revenue portfolio, said Erika Kullberg, personal finance expert and founder of Erika.com .

“Many companies pay out solid dividends on a regular basis,” she said, “and investing in them allows you to set up a stream of income that should compound over time if you reinvest it. It’s passive income — and then some.”

Read More: Tony Robbins’ 10 Passive Income Ideas To Build Your Fortune

Real Estate Investment Trusts

REITS are another way to gain access to an asset class — in this case, real estate — that you might not want to manage on your own, Kullberg said.

“REITs are a type of company, and they pay out most of their taxable income in the form of a dividend to their shareholders,” she said, adding that many specialize in stable sectors such as commercial, residential or healthcare properties, making them an excellent addition to a diversified portfolio.

Digital Creation

This continues to blossom in offering avenues toward passive income.

For instance, writing an e-book, creating an online course or shooting stock photography are all great ways to convert your skill and your creativity into passive income, Kullberg said.

“Once you’ve done the work to get the product created and have distribution automated,” she said, “those items can sell over and over again, virtually without having to do anything for it once the work is done up front.”

According to her, it’s a great approach because you’re leveraging an existing skill with low overhead.

What’s more, with these passive side hustles, you don’t need much to get started — and this type of work can be leveraged across multiple platforms.

Work With Resale Platforms

If you are a Gen Zer, you can genuinely earn from different resale platforms, according to Md Faruk Khan, founder and CEO of digital marketing company mdfarukkhan.com .

“ThredUp Resale Report studied that one in three Gen Z is interested in purchasing secondhand clothes and tools,” he said. “So, you can declutter your closet and earn money from clothes you no longer wear. Many online marketplaces offer opportunities to find high-quality pre-owned items for resale at a profit.”

Another advantage: Resale platforms offer flexible working hours, so you can manage it alongside your studies and other commitments, Khan added.

Print-on-Demand (POD) store

This is also a great way to derive passive income. As Khan noted, you can design, upload, sell and earn through your artwork and designs on several platforms, such Redbubble or Printify.

These also let you work with a variety of products, including T-shirts and mugs.

“The best part: You can do it without managing inventory or fulfillment,” he said. “Platforms handle printing and shipping, while you earn a commission on each sale. It is a low-risk and low-investment way to tap into the growing demand for custom merchandise.”

Ryan Hogue, 34, recently told CNBC that this has become his favorite way to derive passive income, which he started with a $0 and which has enabled him to leave his day job. He uses Amazon Merch, Etsy and Printful to sell his designs.

“The only cost associated with Etsy is a $0.20 fee to create a product listing; and, if you use an invite link to begin selling on Etsy, you can get 40 free listings,” he said. “I use a company called Printful to fulfill the orders. Printful has a direct integration, which allows them to automatically fulfill orders and notify customers when they’re shipped out.”

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This article originally appeared on GOBankingRates.com : 5 Passive Income Streams You Need To Add in 2024, According to Experts

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Morgan Stanley Real Estate Investing Acquires Metropolis Mall in Moscow

A real estate fund managed by Morgan Stanley Real Estate Investing (MSREI) today announced the acquisition of the Metropolis Shopping and Entertainment Mall, a 205,000 sqm shopping center in Moscow, from Capital Partners.  The acquisition of the Metropolis shopping centre is the largest-ever transaction in the Russian commercial real estate market.  Terms of the transaction were not disclosed. 

Developed by Capital Partners, Metropolis opened in 2009 and provides 82,000 sqm of fully enclosed retail accommodation and 2,900 parking spaces.  It is widely recognized as Russia's premier retail development with a favorable location in the north-west of the city, along the Leningradskiy highway and next to the metro station Voykovskaya.  The shopping centre is part of the institutional quality mixed-use complex Metropolis with 311,000 sqm of gross built area which, apart from the shopping centre, includes three office buildings with a total GLA of approximately 80,000 sqm.

“We are very pleased to be acquiring the Metropolis Mall in Moscow,” said Brian Niles, Head of MSREI EMEA.  “The acquisition is consistent with our strategy of investing in high quality assets in Russia, a market that should continue to benefit from strong growth in consumer demand.  Together with our previous investment in the Galeria Mall in St Petersburg, we believe the acquisition of Metropolis will deliver operational synergies and strategic benefits associated with owning two prime shopping centers in Russia.  We look forward to managing the assets as we seek to deliver additional value to our investors.”

Metropolis is one of the most visited shopping centres in Moscow with approximately 55,000 customers per day in 2012.  The complex is fully leased and has a waiting list for retailers wanting to rent space.  Major tenants include food hypermarket Karusel and department store Stockmann, along with a large number of international retailers including Michael Kors, H&M, GAP, River Island, New Look, DKNY, Bebe, Jaeger, Uterque, Imaginarium, and Zara.  The center also has a multi-screen cinema operated by Cinema Park Deluxe and a bowling alley.

Among the awards received by Metropolis are: the “Best Mixed-use Complex” award in the Commercial Real Estate Awards, Moscow, 2009; “Best new development category extra-large” award in the Russian Council of Shopping Centres; and “Best Shopping Centre of the Year” award in the FIABCI “Prix d’excellence” Awards, 2010.

Capital Partners was advised by JLL.

Morgan Stanley Real Estate Investing (MSREI) is the global real estate investment management arm of Morgan Stanley.  Established in the early 1990s, MSREI has been one of the most active real estate investors for two decades, acquiring over $184 billion of assets in 36 countries.  MSREI leverages the expertise, relationships and franchise of Morgan Stanley with dedicated real estate investing professionals located in 15 offices around the world providing acquisition, finance and asset management services.  MSREI manages opportunistic and core investment strategies on behalf of its clients, including some of the largest pension funds, sovereign wealth funds and high net worth investors worldwide.  For more information about Morgan Stanley Real Estate Investing, please visit www.morganstanley.com/realestate .

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Gross Domestic Product, First Quarter 2024 (Advance Estimate)

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Real gross domestic product (GDP) increased at an annual rate of 1.6 percent in the first quarter of 2024 (table 1), according to the "advance" estimate released by the Bureau of Economic Analysis. In the fourth quarter of 2023, real GDP increased 3.4 percent.

The GDP estimate released today is based on source data that are incomplete or subject to further revision by the source agency (refer to “Source Data for the Advance Estimate” on page 3). The “second” estimate for the first quarter, based on more complete source data, will be released on May 30, 2024.

The increase in real GDP primarily reflected increases in consumer spending, residential fixed investment, nonresidential fixed investment, and state and local government spending that were partly offset by a decrease in private inventory investment. Imports, which are a subtraction in the calculation of GDP, increased (table 2).

The increase in consumer spending reflected an increase in services that was partly offset by a decrease in goods. Within services, the increase primarily reflected increases in health care as well as financial services and insurance. Within goods, the decrease primarily reflected decreases in motor vehicles and parts as well as gasoline and other energy goods. Within residential fixed investment, the increase was led by brokers’ commissions and other ownership transfer costs as well as new single-family housing construction. The increase in nonresidential fixed investment mainly reflected an increase in intellectual property products. The increase in state and local government spending reflected an increase in compensation of state and local government employees. The decrease in inventory investment primarily reflected decreases in wholesale trade and manufacturing. Within imports, the increase reflected increases in both goods and services.

Compared to the fourth quarter, the deceleration in real GDP in the first quarter primarily reflected decelerations in consumer spending, exports, and state and local government spending and a downturn in federal government spending. These movements were partly offset by an acceleration in residential fixed investment. Imports accelerated.

Current‑dollar GDP increased 4.8 percent at an annual rate, or $327.5 billion, in the first quarter to a level of $28.28 trillion. In the fourth quarter, GDP increased 5.1 percent, or $346.9 billion (tables 1 and 3).

The price index for gross domestic purchases increased 3.1 percent in the first quarter, compared with an increase of 1.9 percent in the fourth quarter (table 4). The personal consumption expenditures (PCE) price index increased 3.4 percent, compared with an increase of 1.8 percent. Excluding food and energy prices, the PCE price index increased 3.7 percent, compared with an increase of 2.0 percent.

Personal Income

Current-dollar personal income increased $407.1 billion in the first quarter, compared with an increase of $230.2 billion in the fourth quarter. The increase primarily reflected increases in compensation and personal current transfer receipts (table 8).

Disposable personal income increased $226.2 billion, or 4.5 percent, in the first quarter, compared with an increase of $190.4 billion, or 3.8 percent, in the fourth quarter. Increases in compensation and personal current transfer receipts were partly offset by an increase in personal current taxes, which are a subtraction in the calculation of DPI. Real disposable personal income increased 1.1 percent, compared with an increase of 2.0 percent.

Personal saving was $755.7 billion in the first quarter, compared with $815.5 billion in the fourth quarter. The personal saving rate —personal saving as a percentage of disposable personal income—was 3.6 percent in the first quarter, compared with 4.0 percent in the fourth quarter.

Source Data for the Advance Estimate

The GDP estimate released today is based on source data that are incomplete or subject to further revision by the source agency. Information on the source data and key assumptions used in the advance estimate is provided in a Technical Note and a detailed " Key Source Data and Assumptions " file posted with the release. The second estimate for the first quarter, based on more complete data, will be released on May 30, 2024. For information on updates to GDP, refer to the "Additional Information" section that follows.

*          *          *

Next release, May 30, 2024, at 8:30 a.m. EDT Gross Domestic Product (Second Estimate) Corporate Profits (Preliminary Estimate) First Quarter 2024

Full Release & Tables (PDF)

Technical note (pdf), tables only (excel), release highlights (pdf), historical comparisons (pdf), key source data and assumptions (excel), revision information.

• GDP Lisa Mataloni  301-278-9083 [email protected]
• Corporate Profits Kate Pinard 301-278-9417 [email protected]
• Media (BEA) Connie O’Connell 301-278-9003 [email protected]

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• For more on BEA's statistics, refer to our online journal, the Survey of Current Business .
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• NIPA Handbook : Concepts and Methods of the U.S. National Income and Product Accounts

Definitions

Gross domestic product (GDP), or value added , is the value of the goods and services produced by the nation's economy less the value of the goods and services used up in production. GDP is also equal to the sum of personal consumption expenditures, gross private domestic investment, net exports of goods and services, and government consumption expenditures and gross investment.

Gross domestic income (GDI) is the sum of incomes earned and costs incurred in the production of GDP. In national economic accounting, GDP and GDI are conceptually equal. In practice, GDP and GDI differ because they are constructed using largely independent source data.

Gross output is the value of the goods and services produced by the nation's economy. It is principally measured using industry sales or receipts, including sales to final users (GDP) and sales to other industries (intermediate inputs).

Current-dollar estimates are valued in the prices of the period when the transactions occurred—that is, at "market value." Also referred to as "nominal estimates" or as "current-price estimates."

Real values are inflation-adjusted estimates—that is, estimates that exclude the effects of price changes.

The gross domestic purchases price index measures the prices of final goods and services purchased by U.S. residents.

The personal consumption expenditure price index measures the prices paid for the goods and services purchased by, or on the behalf of, "persons."

Personal income is the income received by, or on behalf of, all persons from all sources: from participation as laborers in production, from owning a home or business, from the ownership of financial assets, and from government and business in the form of transfers. It includes income from domestic sources as well as the rest of world. It does not include realized or unrealized capital gains or losses.

Disposable personal income is the income available to persons for spending or saving. It is equal to personal income less personal current taxes.

Personal outlays is the sum of personal consumption expenditures, personal interest payments, and personal current transfer payments.

Personal saving is personal income less personal outlays and personal current taxes.

The personal saving rate is personal saving as a percentage of disposable personal income.

Profits from current production , referred to as corporate profits with inventory valuation adjustment (IVA) and capital consumption (CCAdj) adjustment in the National Income and Product Accounts (NIPAs), is a measure of the net income of corporations before deducting income taxes that is consistent with the value of goods and services measured in GDP. The IVA and CCAdj are adjustments that convert inventory withdrawals and depreciation of fixed assets reported on a tax-return, historical-cost basis to the current-cost economic measures used in the national income and product accounts. Profits for domestic industries reflect profits for all corporations located within the geographic borders of the United States. The rest-of-the-world (ROW) component of profits is measured as the difference between profits received from ROW and profits paid to ROW.

For more definitions, refer to the Glossary: National Income and Product Accounts .

Statistical conventions

Annual-vs-quarterly rates . Quarterly seasonally adjusted values are expressed at annual rates, unless otherwise specified. This convention is used for BEA's featured, seasonally adjusted measures to facilitate comparisons with related and historical data. For details, refer to the FAQ " Why does BEA publish estimates at annual rates? "

Quarterly not seasonally adjusted values are expressed only at quarterly rates.

Percent changes . Percent changes in quarterly seasonally adjusted series are displayed at annual rates, unless otherwise specified. For details, refer to the FAQ " How is average annual growth calculated? " and " Why does BEA publish percent changes in quarterly series at annual rates? " Percent changes in quarterly not seasonally adjusted values are calculated from the same quarter one year ago. All published percent changes are calculated from unrounded data.

Calendar years and quarters . Unless noted otherwise, annual and quarterly data are presented on a calendar basis.

Quantities and prices . Quantities, or "real" volume measures, and prices are expressed as index numbers with a specified reference year equal to 100 (currently 2017). Quantity and price indexes are calculated using a Fisher-chained weighted formula that incorporates weights from two adjacent periods (quarters for quarterly data and annuals for annual data). For details on the calculation of quantity and price indexes, refer to Chapter 4: Estimating Methods in the NIPA Handbook .

Chained-dollar values are calculated by multiplying the quantity index by the current dollar value in the reference year (2017) and then dividing by 100. Percent changes calculated from real quantity indexes and chained-dollar levels are conceptually the same; any differences are due to rounding. Chained-dollar values are not additive because the relative weights for a given period differ from those of the reference year. In tables that display chained-dollar values, a "residual" line shows the difference between the sum of detailed chained-dollar series and its corresponding aggregate.

Updates to GDP

BEA releases three vintages of the current quarterly estimate for GDP. "Advance" estimates are released near the end of the first month following the end of the quarter and are based on source data that are incomplete or subject to further revision by the source agency. "Second" and "third" estimates are released near the end of the second and third months, respectively, and are based on more detailed and more comprehensive data as they become available.

The table below shows the average revisions to the quarterly percent changes in real GDP between different estimate vintages, without regard to sign.

Annual and comprehensive updates are released in late September. Annual updates generally cover at least the five most recent calendar years (and their associated quarters) and incorporate newly available major annual source data as well as some changes in methods and definitions to improve the accounts. Comprehensive (or benchmark) updates are carried out at about 5-year intervals and incorporate major periodic source data, as well as major conceptual improvements.

Unlike GDP, advance current quarterly estimates of GDI and corporate profits are not released because data on domestic profits and net interest of domestic industries are not available. For fourth quarter estimates, these data are not available until the third estimate.

GDP by industry and gross output estimates are released with the third estimate of GDP.

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• Specifically, the final rule provides that it is an unfair method of competition—and therefore a violation of Section 5 of the FTC Act—for employers to enter into noncompetes with workers after the effective date.
• Fewer than 1% of workers are estimated to be senior executives under the final rule.
• Specifically, the final rule defines the term “senior executive” to refer to workers earning more than $151,164 annually who are in a “policy-making position.”
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• New business formation: 2.7% increase in the rate of new firm formation, resulting in over 8,500 additional new businesses created each year.
• This reflects an estimated increase of about 3,000 to 5,000 new patents in the first year noncompetes are banned, rising to about 30,000-53,000 in the tenth year.
• This represents an estimated increase of 11-19% annually over a ten-year period.
• The average worker’s earnings will rise an estimated extra $524 per year. 

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