Connecticut mortgage report

Why A Home is (Usually) Your Best Investment

A new report has just been released which explains in detail why a home is usually your best investment and how you too can become a homeowner. Learn what the financial gurus such as Warren Buffet (oracle of Omaha), Peter Lynch (Fidelity Magellan Fund), and other stock pickers say about owning your own home. Hint - "over 90% of the time owning your own home is extremely profitable." Complete with detailed illustrations.

Learn how to buy a home with no money down and get out of the "renters rut."

See in detail the returns on your money comparing different ownership and renting scenarios.

Learn how to use extreme leverage to achieve profits of 2,000% and more on your out of pocket investment.

Learn how to determine the best mortgage rate and terms for your individual situation. One size does not fit all!

Learn how to use your home as a "bank" to borrow money well below the prime rate (what banks charge their best business customers).

P.S. Congress has enacted tax laws that make the transfer of debt from a non tax deductible source to a mortgage extremely advantageous but not in All situations. There are things that you must know and factors to consider to make the right decision. This report will guide you through the decision making process

After 20 years, a $200,000 property could be worth $530,660.

Your original purchase price of your home is $200,000.00. With a 5% appreciation rate (calculated and compounded yearly), after 20 years it will be worth $530,660. This assumes that the appreciation rate is a steady 5% per year. If the appreciation is higher or lower, this will affect your investment returns. If appreciation is calculated and compounded monthly, the result will be slightly higher.

Summary
Years for Appreciation	20
Rate of appreciation	5.0%
Initial purchase price	$200,000.00

Total Appreciation Earned on Your Property	$330,660.00
Purchase Price of Your Home	$200,000.00
Your Property Value After 20 Years	$530,660.00

Your Property Value Year by Year (20 years)

Year

Appreciation Earned

Value of Your Property

$0.00

$200,000.00

$10,000.00

$210,000.00

10,500.00

$217,361.25

$11,025.00

$231,525.00

$11,576.25

$243,101.25

$12,155.06

$255,256.31

$12,762.82

$268,019.13

$13,400.96

$281,420.08

$14,071.00

$295,491.09

$14,774.55

$310,265.64

$15,513.28

$325,778.93

$16,288.95

$342,067.87

$17,103.39

$359,171.27

$17,958.56

$377,129.83

$18,856.49

$395,986.32

$19,799.32

$415,785.64

$20,789.28

$436,574.92

$21,828.75

$458,403.66

$22,920.18

$481,323.85

$24,066.19

$505,390.04

$25,269.50

$530,659.54

According to the Hartford Board of Realtors, housing prices appreciated in Hartford County 13.2% from Feb 2004 - Feb 2005. Multi family and apartment buildings appreciated even more. Will this pace of appreciation continue? Probably not. We look for a more modest rate of appreciation of between 6 - 9% per year.

Where else can you get 1). A positive cash flow return on your investment (if rental multi unit property) 2). Lenders willing to finance most of your investment enabling you to leverage your assets and returns. 3). Someone else (tenants) to pay down your debt balance, therefore increasing your net assets (if rental property). 4). Asset appreciation based upon the total value of your asset, not just your out of pocket expense. 5). Liberal tax deduction benefits. 6). The ability and option of taking profits tax free through refinancing equity, exchanges, and other strategies. 7). A place to live that you can call your own (if owner occupied) ?

Not bad for paying the mortgage, taking out the trash, and mowing the lawn, eh?

EXAMPLE : Appreciation on real estate is real!!!!

After 20 years, a $200,000 property could be worth $530,660.