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Your Home as an Investment Vehicle

April 15, 2013

Your home is not just the place you hang out with your family and friends. It is also where you put a great percentage of your income through your mortgage and upkeep. The upkeep is an ongoing expense, but the  mortgage payments turn into equity. The equity can turn into an investment vehicle that will help you prosper when others are not and may also make your retirement years affluent rather than poverty stricken.

Most people are happy to finish paying their mortgage. Some even have “Mortgage Burning parties`. This is one way to look at a mortgage that relieves you of your monthly obligation. It just shows that you can work hard, not smart. There are other ways to look at a mortgage that are better for your long term financial health.  These have been heavily written about by Robert Kiyosaki in his series of books, his lectures and his on-line presence.

Working smart means that you use proven strategies to turn the equity in your home into an investment into another house that someone else will pay for through their rent. The equity built in this rental house is yours to borrow against or to cash out should you decide to sell. This strategy can be successful if you are judicious in the buy and screen tenants  to avoid downtime irregularities in the rent and damage to the place.

You can also put that same amount of money into a pool that buys you part of  a multi-family housing business.  If the investment is structured correctly, there will be a monthly income for all investors. This has less vacancy risk  than a single house  because there are a greater number of rentals.  Should someone do a midnight move, the profit for each investor is a little less for that month.

I am very fond of `Real Estate ` as an investment as opposed to many other investment vehicles. The return on an investment in real estate  depends upon the investor for the most part  because they must do `Due Diligence`. This includes buying at the right price so there is cash flow after the mortgage is paid.  This is valid whether the investment is a single house or an apartment complex.

It also depends on screening the prospective tenants to weed out the disruptive and addictive personalities. Many investors prefer to hire a property manager rather than doing this kind of thing themselves. It reduces the immediate profit, but gives long term profit as a good  manager sees more prospective tenants and will learn to read the signs better.

Should anyone decide to invest in a company, I would advocate investing in a local company rather than doing it through the stock market. You can stop in to see the business practices of a local company, whereas that is usually impossible if you invest through the stock market. The owner of a local company will usually be much more inclined to answer questions about bottom line decisions and returns. You probably would know that person which increases your chances of not being burnt on your investment.

As you may have noticed, I do not like the stock market as an investment vehicle for the most part. I also do not like  Mutual Funds or other investments of that manner. There are too many ways that investments can disappear leaving the investor with a worthless piece of paper while many involved have a pocket full of the investors` cash.

If you wish to pull equity out of your property for an investment while keeping your same payment schedule, contact  me 250.766.2106 or email  at fredmurray@shaw.ca for a cost free obligation free consultation. We have helped thousands of others, we may be able to help you.

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