Le Blog

Special Finders Fees for Property Managers! St. Clair Properties is looking to purchase rentals in Oregon, Nevada, and Arizona and for a limited time we are offering property managers finders fees for any leads on properties that result in a closed sale. We are looking for: Residential investment properties Built between 1950-2005 8-units and up We can close quickly, often …

Part 4: The Big Canadian Short The Canadian government is desperately trying to contain the housing boom and prevent the start of a financial collapse, but it’s nearly impossible to stop the market from doing what it does. When money is cheap—meaning, when interest rates are low—borrowing becomes easier and adding leverage becomes easier. When becoming highly leveraged is fashionable, …

Part 3: Is Canada Different? As you can see in the chart above, debt levels can change over time. Prices and incomes rise or fall, and debts are paid off over time (or defaulted). It’s the starting point that matters, and Canada’s markets are now climbing to historically high home prices and dangerous levels of debt. However, it may not …

Part Two: Leverage in the System; USA vs Canada Excessive leverage is one of the primary concerns that a market is in a precarious position, and leverage is directly tied to a market’s long-run volatility: by the way that leverage creates more extreme returns, housing markets that use more equity are less volatile and more stable over the long run. …

Part One: A Primer on Leverage One of the largest factors for real estate investing—if not the largest factor—is the impact of leverage. Leverage is basically the idea that some portion of the investment is financed with borrowed money. Over time, real estate properties lag the performance of stock investments; the additional leverage is what makes up the difference. Leverage …

On April 4th, the Oregon House of Representatives passed House Bill 2004 in a 31 to 27 vote along party lines, with most Democrats voting yes and most Republicans voting no. The bill, a controversial attempt to change the relationship between landlords and tenants, is currently under review by the State Senate. It has two main parts: The first part …