What is Real Estate

Writen by Ken Gronski

A new trend to consider for investors thinking about their retirement funds involves the same idea that many people are utilizing for today's wealth-building mechanisms; real estate.

Most banks and brokerage companies limit your choices for retirement investment to certificates of deposit, stocks, mutual funds, annuities, and similar financial instruments. But Section 408 of the Internal Revenue Code permits individuals to purchase land and other real estate with funds held in many common forms of IRAs, including a traditional IRA, a Roth IRA, and a Simplified Employee Pension plan, or SEP-IRA.

While some restrictions apply to properties and their uses, a person who intends to utilize the property primarily as an investment tool for retirement can derive the benefits of appreciative land values to enhance their nest eggs. Also, the ability to locate and lock into a property that one may decide to build a retirement home on may be just what some investors are looking for with their individual plan.

"This form of investment tool may be intriguing for some," said Ken Gronski, Recreational Land Specialist for Wisconsin Waterfront Properties. "A person may be considering a waterfront land purchase now but will not build until retirement. Laws maintain that the individual can take the land out of the plan as a disbursement after age 59 ½ just as if you were to begin drawing money out of a traditional plan."

There are restrictions of qualifying property types and their uses; the best way for someone interested in exploring the feasibility of this investment option is to talk with a qualified retirement fund planner as well as a real estate professional. As some investors today stay away from the stock market for their ongoing ventures, they can also consider the same options that provide a more stable growth in their individual retirement plans as well.

"A plan of this nature could allow someone in the right situation to find an alternative financing option with definite tax advantages to locating the land for their retirement home," Gronski added. "The lake property you envision now may not be as readily available at the time you are ending your working career, but if you find it now at today's prices and allow it to grow in value tucked safely in your plan it will be there when you are ready to retire."

For additional information on properties and potential retirement options with real estate, contact Ken Gronski or visit www.wiswaters.com

About Wisconsin Waterfront Properties: Ken Gronski of Wisconsin Waterfront Properties is a Recreational Land Specialist for Wisconsin Lakes Realty, Inc. Wisconsin Waterfront Properties specializes in guaranteed build-able recreational land and acreage throughout Wisconsin and Michigan's Upper Peninsula.

Contact:

Ken Gronski, Recreational Land Specialist Wisconsin Waterfront Properties 715-421-9133 http://www.wiswaters.com

Writen by Tim Kelly

It is real estate market, which has perhaps never witnessed any recession or stagnation. It is this sector, which has ever been prospering. And, needless to say that it is one of the best investment options.

However, it is not everyone's cup of tea. Since it requires huge money, not all of us have that. When this is the case, it is this time when you need a real estate loan. And, taking a rescue to Internet can save you many things.

Since a real estate loan means huge money, you need to prove your credibility. If you have something to offer as collateral, the chances of securing a favourable deal improve grandly. This may also help you get a handsome rate of interest and a longer term.

Securing a real estate loan depends on three factors, credit history, repayment capacity and potentiality of the business you are going to start. If the three factors are in your favour, you will get a loan easy and fast. If they are not however, you may face some uneasiness.

Apart from credit history, repayment capacity and potentiality of business, there is one more entity, which affects the prospects of getting a real estate loan. It is the size of the property you wish to purchase or take on lease. Real estate properties can broadly be divided into three types: Class A, Class B and Class C.

A Class A property means a larger premier building with a high-profile location that is easily accessed. A Class A building has on-site management, an impressive lobby and amenities. A Class B building generally has good location, professional management and some amenities. Whereas a Class C space is no-frills. It is usually found in older buildings or converted industrial buildings, without lobbies or amenities

Once you have narrowed down your needs, you can start shopping around for a commercial real estate broker. However, you should not just take out the phonebook and start making calls. It would be a better idea to ask for recommendations from others, who have taken such a loan or leased their office space etc. People like Commercial real estate lawyers, bankers and architects, who work with commercial brokers can be a great help. You may also like to contact professional commercial real estate associations, which require its members to meet certain standards, for a list of brokers in your area.

Tim Kelly is an expert in finance having completed his LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. He is currently working with commercial real estate as a financial advisor. To Find Best real estate loans, online real estate loans, cash advance real estate loans visit http://www.commercialrealestateloan.co.uk

Writen by Andrew Hodge

Whether to Buy or Sell a home is one of the biggest decisions anyone makes and brings up the question "should I move?" To this I always ask "why do you want to move?"

I have had a surprising number of people respond with "I want to collect on the increase in value since I purchased". They believed that they could sell their home for top dollars and buy a similar home for much less. For anyone who has not guessed already, this will not happen. All homes of a similar style, area, size and with similar features will sell for similar prices. Once you account for real estate fees and closing costs, a move can have significant expenses. So why should anyone move? The simple answer is, because they need something that the current home can not give them. The longer answer involves cost comparisons with renovating, accounting for the inconvenience of both selling a home and renovating a home and whether or not a renovation is even possible.

Move If you can not renovate

Probably the best reason to move is because you can not renovate your current home to suit your needs. Things that can not be renovated include location, more parking or space if your zoning does not allow for more, sewers and gas lines if you live in a remote location and any other feature that you want that is not available because of availability or local laws. So if you own a home on a main street, with no parking spot, no lane or area where parking may be created, and your family is growing and you have safety concerns and parking needs. You should seriously consider moving to a home on a quiet street with parking.

Move if the cost of renovating is too high

One should also consider the cost of renovating. Not all renovations will increase the value of your home. As a general rule, the higher your expenses for renovating the less value you add to your home in relation to the amount spent. So a renovation costing $200,000 may only increase the value of your home by $100,000. This is dependant on what you are doing and how you are doing it. An extreme case of this would be down sizing. You want a smaller home with less maintenance and less expenses for what ever reason. You could knock down your current home and build a little cottage, or you could move and pocket the difference in values between the two homes.

Move If you can not deal with the mess

As we all know renovating can be messy and have numerous surprises. If you do not think that you can put up with trades people tracking through your home, services being disrupted or any of the other possible inconveniences of renovations, then you should seriously consider moving.

If your current home can not easily be changed into what you want for a reasonable price that you can afford, or you do not want to deal with renovations, then moving would be a good alternative. Unless you have multiple homes you should not concentrate on making money so much as consider what kind of home and lifestyle you want to live in. If your current home does not suit you, you may want to consider moving. The choice to move or renovate is yours. Know what you are trying to accomplish, and make sure that you have all the information you need, and you will be happy that you made the best choice for you.

Andrew Hodge is a Realtor® in York Region, Ontario. Helping people buy and sell York Region Real Estate

Writen by Mark Nash

One of the rights bundled in home ownership is quiet enjoyment. Maintaining a secure and safe home is an ongoing program to ensure your quiet enjoyment. Many times a break-in or fire occurs when a homeowner lapses in following some basic do's and don'ts. Here are some tips to help provide a safe and secure home for your family.

-Procure a home security and safety system, that sends an automatic alarm to your local police station. High-tech versions feature smoke alarms and window and door sensors. For as little as forty dollars a month you can have peace of mind.

-Check fire extinguishers yearly for proper charge. I do this at the same time I replace smoke detector and carbon monoxide detectors. Make sure your kitchen is equipped with the right extinguisher for grease and kitchen fires.

-Register you pets with the local fire department. Place stickers on entry doors alerting fireman to saves pets in your home, in case of fire.

-Keep landscaping pruned away from windows, obscured windows provide cover for burglars.

-Use low-voltage lighting to up-light exterior walls and doors at night. Install motion detector lighting on hidden doors and basement stairways.

-Have a neighbor pick up mail ,deliveries, and loose trash blowing around your yard. Stop newspapers while your away.

-Unplug automatic overhead garage door opens for added security. Lock fence gates too.

-Install and use diligently window and door locks. It's easy in the heat of summer to open windows, but it's an invitation for theft.

-Leave your day-to-day message on your answering machine, being gone should be seamless to those calling.

-Put lights around your home on staggered timers to make it look like your home when your away. Blinds and curtains should be opened in daylight and closed at night, have your neighbor open and close them.

Never open your front door to someone you don't know. Keep storm doors locked as a safety barrier.

-Develop a fire escape plan and practice it with your family every six months. The majority of fires occur at night, each person should have a flashlight in their nightstand.

-Have gas lines and hook-ups checked regularly for leaks to prevent explosions. Natural gas is odorless.

Mark Nash's fourth real estate book, "1001 Tips for Buying and Selling a Home" (2005), and working as a real estate broker in Chicago are the foundation for his consumer-centric real estate perspective which has been featured on ABC-TV, Associated Press,CBS The Early Show, Bloomberg TV, Bottom Line Magazine, Business Week, CNN-TV, Fidelity Investor's Weekly, MarketWatch, HGTVpro.com, MSNBC.com, Smart Money Magazine,The New York Times, Realty Times, Universal Press Syndicate and USA Today.

Writen by Neda Dabestani-Ryba

Thinking of trading up on an investment resort property? If so, look into 1031 Tax Exchanges (based on IRS Code Section 1031), which allow taxpayers to defer taxes on capital gains resulting from the sale of investment real estate, often a sizable sum since combined Federal and State taxes can run as high as 38 percent.

With an exchange, owners are able to preserve equity, while still selling the property. The underlying concept is that an exchange of like-kind property for like-kind property does not generate funds, which can be taxed since the profits go directly into the new or replacement property. To accomplish this, sellers hire a Qualified 1031 Intermediary (QI) to document the sale as an exchange and to receive the funds from the sale. The QI then delivers the funds directly to the closing agent for the replacement property who deeds the property to the taxpayer.

Central to a 1031 Exchange is the interpretation of like-kind property. While the common assumption is that like-kind implies land for land or a condominium for a condominium swap, the interpretation of like kind is actually less literal. Rather, it defines like kind as meaning that both the replacement and the original property must be used as an investment. So land, condominiums, single-family homes and motels can all be exchanged for one another as long as they are used in the exchanger's business or held as an investment. The amount of debt held on the replacement property must be the same as the amount of debt on the original.

1031 Exchanges are complex mechanisms and like all IRS requirements very specific. For example, exchangers have 45 days from closing to identify properties they intend to purchase and 180 days to complete the purchase. Purchase and Sale agreements must include verbiage indicating the intent to affect a 1031 Exchange.

The 45-day time frame used to be onerous for sellers. Now, they can opt for a Reverse Exchange, in which an additional third party called "the exchange accommodation title holder" (EAT) acquires title to the replacement property until the original property sells. Reverse Exchanges shift the 45- and 180-day time frame to the selling side of the transaction. With an Improvement Exchange, which also uses an EAT to hold the replacement property, sellers can build investment properties from the ground up or improve existing properties. The improvements have to be built and paid for during the 180-day period.

If you are interested in a 1031 Exchange, the first step is to consult your tax advisors as well as an attorney or CPA who is knowledgeable with 1031 Exchanges. Make sure that your real estate professional knows you plan to conduct an exchange and be sure that he or she is familiar not only with the process but also with the specific documentation and time frame mandated by the IRS.

This article is intended to inform readers, but does not constitute any financial or legal advice.

Neda Dabestani-Ryba is a Realtor in Maryland. She is a member of the President's Circle of Top Real Estate Professionals. She can be reached at (800) 536-3806 or visit her website for more information: http://neda.dabestani.pcragent.com/

Prudential Carruthers REALTORS is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity.

Writen by John Hill

The Treasury does a u-turn on SIPPs and residential property

In December Gordon Brown announced that self invested personal pensions or SIPPs would not be given immediate tax relief for pension investments in residential property. This about face on SIPPs by the Chancellor has caused outrage amongst the financial community and has left investors uncertain over future retirement plans that had been based on placing residential property, including oversees property, into their personal pensions plan.

The proposed change in the pensions laws had been on the statute book for 18 months, and so for the Treasury to change its mind, only four months before April 6th (A-Day), has left a great number of disgruntled investors who have already taken out SIPPs in readiness.

So what now for self invested personal pensions?

Commercial property will still be OK to hold within SIPPs and, if indirectly, residential property could also be held within self invested personal pensions too. To indirectly invest your SIPPs in residential property it will soon be possible to invest into Real Estate Investment Trusts and in that way to hold shares in residential property, but unlike self invested personal pensions (SIPPs) this will mean you do not buy the property directly.

What next for me if I wanted to invest in self invested personal pensions or SIPPs ?

Real Estate Investment Trusts or REITs have been popular in countries like Australia and the US for many years and, until now, have been unavailable to the UK investment market but as of 2006 this will change.

Since the Governments collapse on self invested personal pensions ( SIPPs ) and the ability to invest your SIPPs directly into residential property, the only choice left for investors looking to invest their SIPPs into residential property seems to lie in UK-REITs (UK Real Estate Investment Trusts). Although not as beneficial as SIPPs, the UK investors will be able to take advantage of the great tax benefits this form of investment has to offer.

UK Real Estate Investment Trusts ( UK-REITs )

UK-REITs or UK Real Estate Investment Trusts work in a similar way to Property Investment Funds ( PIFs ). Trusts made up of many investors' pooled funds may be used to purchase income property, and are then traded on the major stock exchanges in the same way as stocks.

UK-REITs have a number of benefits as with SIPPs, including a rather generous tax break and income is also paid, regardless of share performance, in the form of dividends. Although not as enticing as the proposed Self Invested Personal Pensions or SIPPs, UK real estate investment trusts (UK-REITs) are much less volatile and are well suited to a comfortable long term investment.

sipps-pension.co.uk provides information, articles and advice on self invested personal pensions or SIPPs, pensions and UK real estate investment trusts or UK-REITS

Writen by Mark Nash

The aftermath of Hurricane Katrina brought mold into the forefront in media depictions of the interior of devastated homes covered from floor to ceiling with mold. Depending on where you live in the United States, mold will have varying degrees of impact if you are buying or selling a home. Add mold to your list of potential hazards in a home you're considering purchasing or selling, but don't overlook asbestos, lead and radon as other hazards in your quest to determine if mold poses a problem.

Mark Nash author of 1001 Tips for Buying and Selling a Home offers tips on what buyers and sellers should know about mold in residential properties.

-Health problems from indoor mold produce allergens. Allergic responses include hay fever type symptoms such as red eyes, runny nose, sneezing and skin rashes. Some molds can also irritate eyes, lungs, nose,skin and throats of both allergic and usually non-allergic people.

-Mold spores can be spread by heating, ventilation and air-conditioning systems (HVAC). Do not run your HVAC system if you suspect that mold spores have entered it or mold is growing on intake or out take vents.

-Mold created by sewage requires professional attention. If raw sewage was in the water that created mold in a dwelling you should contact a professional who specializes in sewage based mold clean-up.

-What to wear when cleaning up mold. You should wear an N-95 respirator available online or at home centers. Wear long disposable gloves that can hold up when using chemicals like chlorine bleach. Wear goggles to protect your eyes from both chemical irritants and mold spores, select styles without ventilation holes.

-How to prevent mold occurrences. Keep air-conditioning and refrigerator drip pans clear of standing water or condensation. Monitor water lines in furnace humidifiers and refrigerators. Vent appliances and exhaust fans that produce moisture to the outside. Do not vent bathrooms fans to attic or crawl spaces. Open windows in non-vented rooms that have excessive moisture build-up, even in winter months. Check water supply's for leaks to sinks and toilets and any other appliances that use water, including the hot water heater. Insulate pipes to reduce condensation. Clean and dry bathtubs and areas with poor air circulation, wear condensation or water accumulates.

-Don't overlook hidden mold sources. After removing known mold sources in kitchens and bathrooms, mold can hide behind paneling and wallpaper, ceiling tiles and in and under carpeting. Mold is commonly found on the rear of drywall even after the room side has been cleaned properly. Plan on discarding drywall, carpeting and ceiling tiles that have had visible mold.

Online resources:
Environmental Protection Agency:
Mold Resources: www.epa.gov/iaq/molds/moldresources.html
What to Wear When Cleaning Moldy Areas:
www.epa.gov/iaq/molds/whattowear.html
Hidden Mold: www.epa.gov/iaq/molds/hiddenmold.html

Mark Nash's fourth real estate book, "1001 Tips for Buying and Selling a Home" (2005), and working as a real estate broker in Chicago are the foundation for his consumer-centric real estate perspective which has been featured on ABC-TV, CBS The Early Show, Bloomberg TV, CNN-TV, Chicago Sun Times & Tribune, Fidelity Investor's Weekly, Dow Jones Market Watch, MSNBC.com, The New York Times, Realty Times, Universal Press Syndicate and USA Today.

Writen by Jeanette Joy Fisher

Every home seller is looking for two things: a quick sale and a good price. That's a given. However, there are ways to help insure that you'll meet both of those goals, both of which involve staging your home before you put it on the market.

In short, staging your home simply means to get it ready to make as positive an impact on potential buyers as possible. There are ways to accomplish that goal without spending a great deal of money. Here are a few simple tips:

In the bedrooms, always make sure every bed is made, since you never know when buyers may want to visit. Encourage everyone in the house to make their beds before they leave in the morning. That will eliminate the need for a mad rush to make beds when a real estate agent calls to make an appointment to show your home.

In the bathroom, keep all toilet seats in the down position, pick up all dirty clothes, keep the counter free of brushes, toothpaste containers, and the 101 other things that often get put there and not picked up. Make sure there are fresh towel hung neatly on the towel racks, as well.

In the kitchen, keep all surfaces clear of clutter and pristinely clean. don't let dishes pile up in the sink, and keep all garbage receptacles are out of sight. Also make sure there are no smells coming from garbage cans under the sink. Offensive odors are often the very first impression buyers get from a room, so make sure none of your rooms, whether it's the bathroom, kitchen, or laundry room, give buyers a reason to turn up their noses.

When the home is being shown at night, all lights should be on to show off your home to its best advantage. During the day, drapes should be open to give each room a light and sunny feel. The idea is always to give buyers the impression that your home is spacious and homey feeling, and flooding rooms with light, whether real or artificial, is a good step in that direction.

Regardless of which room buyers may be viewing, it's important to remember that you'll only have a few minutes to make an impression on them. And as the old saying goes, you only get one chance to make a good first impression. Doing your homework to stage your home to its best advantage can pay big dividends--in both a quicker sale and higher sales price.

Copyright © 2006 Jeanette J. Fisher

Go beyond the basic home staging methods with Design Psychology methods for a top-dollar sale. Learn how to profile your prospective buyer and make your home "simply irresistible" with interior design secrets. Jeanette Fisher offers free Home Staging tips and how to sell your home fast information. Learn how to stage your home without paying high fees. Plus, get the added benefit of expert real estate advice. Stage your home for your profiled buyer's emotions. Explore Jeanette Fisher's Home Staging books and free information at http://sellfast.info

Writen by Jim Hart

Wouldn't you be interested in knowing how you could protect your basic legal and financial interests in a real estate deal without having to pay for an attorney?

What if you wrote an offer on a home and changed your mind about the purchase for good reason—it would make sense to know how to write a purchase offer to get out of a deal if you have to wouldn't it?

Isn't it in your best interest to know as much as possible about real estate seeing how real estate agents are commission-driven salespeople who are trained in real estate principals, practices, law and finance? How much real estate training have you had? Doesn't it make sense to get educated quickly BEFORE you sign contracts and spend thousands of dollars?

If you were a home seller, you would be interested in knowing some basic ways you could make sure you select the right agent and sell your property intelligently wouldn't you?

What if you were going to borrow a home loan, aren't you in a better position IF you know what questions to ask before you pick a lender or a loan program? How much real estate finance training have you had? Doesn't it make sense to get a little help BEFORE you strap a 15 or 30 year mortgage monkey to your back?

If you could learn how to buy property for 50% OFF the asking price doesn't it make sense to learn how that is done? You would like to know how to buy property like this wouldn't you?

And what if you could get this information absolutely free? Isn't it in your best interests to take action on something like this?

What if you didn't have to leave your chair to get this information? What if you could just click your mouse a couple of times and have the information? Wouldn't it be foolish not to take action?

Everything you just read is exactly what I will send you if you take this opportunity to click the link below and simply ask for it—no cost to you—no hype, no gimmick, no bull. Good consumer-information that will help safeguard your interest in a real estate deal whether you are a home buyer or seller.

Why do I do it? Because I care about you and buying or selling a home is the largest investment of a lifetime for most. It is a BIG business deal composed of people, emotions, contracts and cash—all the ingredients for legal and financial pain if you don't know what your are doing and most people DON'T. Having been licensed in real estate AND a loan officer, I know the simple mistakes people can make that costs them money.

The report I will give to you costs me nothing except a little time emailing it to you. It costs you nothing because it's FREE and it is truly in your best interests to read it before you do a real estate deal. Run the math...no cost to me, no cost to you, seems like a win-win deal doesn't it? And what do I have to lose if you don't respond to this offer? The greater question is, what do you have to lose?

Click the Smart Books website and ask for a copy and I will send it to you absolutely free. EBook Report: 101 Tips For Homebuyers, Sellers And Money Borrowers. It's free. It's powerful. It's in your best interests to read it. Get your copy now! This is an Ezine Article exclusive!

Copyright © 2006 James W. Hart, IV All Rights reserved

SMART BOOKS: http://www.smart67.com
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Writen by Michael Southard

The past few years has seen a boom in condo conversions, which allows buyers to generate cash-on-cash returns within a short period of time. This, in turn, allows prior apartment owners to cash out at the top of the market.

The condo conversion craze began with the low interest rate affliction that was crippling apartment fundamentals. Condo developers were willing to pay a premium to buy and turn rental properties into condos.

The cash-on-cash returns that successful condo sales can generate are between 15% and 30% or more in a matter of months. Another benefit seen from condo conversions is the creation of more affordable housing in areas famous for steep single-family home prices.

Condo conversions can be a double edge sword, however, as conversions likely will hurt most rental markets. While condo conversions benefit multifamily owners by shrinking the supply of apartments, condo buyers are typically renters, so conversions won't necessarily lead to a jump in occupancy rates. In fact, some conversions directly compete with apartments because they end up as rentals. Also, many renters currently living in an apartment when it is bought and turned into a condo cannot afford the price of the condo. They are left searching for a new place to live. If they can afford to stay and choose to buy the condo, they are most often offered a much cheaper price than outside buyers.

Despite any controversy that condo conversions have created in the real estate market, it is still a smart, beneficial way to invest in real estate.

To learn more about condo conversion loans, visit Security National Capital at www.sncloans.com.

Michael Southard is the Vice President of Security National Capital.

Writen by Cecelia Taylor

When looking at the average home price in the Bay Area, $616,000, and then looking at what $616,000 affords you (a 4 bedroom home in Stockton or a studio apartment in the Mission District of San Francisco) it is best to make sure you have the down payment and can make mortgage payments, and buy. Even more importantly, don't talk about the price of buying a home, the inflated real estate market, or the size of your potential new abode with anyone outside the area—unless they live in Boston or New York City.

"Low" and "High" are the two words you hear most when talking about real estate prices in the San Francisco Bay Area. Low inventory and low interest rates are driving up home prices, asking prices are high, and bids are even higher. Even after the dotcom bust of 2000-2001 when everything in the area seemed to be deflating, home prices continued to rise and it hasn't stopped. In addition, in most Bay Area counties, a half million dollar home usually needs some work. It is rare to find a home for $500,000 or under that is ready to move into or livable. With high home prices only getting higher, and low inventory the investments you make in your home, whether with upgrades or more drastic remodeling projects, will only help the resale value.

Often Bay Area residents living in San Francisco and Silicon Valley turn to the East Bay for more affordable home options. However, prices are rapidly increasing in Contra Costa and Alameda counties, too. Alameda County's median home price rose 20.6 percent from September of 2004 to September of 2005, and now homes are selling for an average of $579,000. According to the East Bay Business Times:

The Bay Area real estate market seems to have settled into a steady state, with few indicators pointing to any upcoming change." said Marshall Prentice, DataQuick president. Supply and demand seem stable. We are keeping an eye on rising mortgage interest rates which could slow things down somewhat before the end of the year.

Home prices in the Bay Area are high, and thinking about them can get you low, but when you look at the natural beauty of the area, the proximity to the ocean, the mountains, wine country, and numerous cultural outlets it seems are fair price to pay. The Bay Area is one of the fastest growing communities in the country, and has relatively low crime rates, respectable schools, and location, location, location; you can understand the booming real estate market.

With home prices in the Bay Area getting higher and higher and the inventory getting smaller and smaller, buying a home in the Bay Area is proving a solid investment regardless of cost.

Whether you already live in the San Francisco Bay Area and are simply looking to relocate, or you're new to town, moving from another city or state all together, Bay Area Real Estate Advisor can help you find and compare real estate in every community from San Francisco to Oakland to San Jose. Search Bay Area real estate by MLS listings, find a real estate agent, track mortgage rates, and determine the value of Bay Area homes right here.

Writen by Jennifer Hershey

Commercial real estate listings in Michigan area are available for your review and purchase. You can purchase a commercial site that is already established, or you can purchase a commercial lot that is just waiting for you to build, develop and bring in the people to make the sales. The average family income in Michigan during the year 1999 was about $42,000. For the business, this means there is money available in the family units to support various types of industry, such as pools, spas, camping, and many other types of hobbies and sports as well.

Commercial real estate listings are those that will include retail centers, doctor's offices, business settings and similar retail situations. Commercial listings are wide ranging, from the small lots, to the huge office buildings where hundreds of employees could be located. Commercial real estate in Michigan is one that you should consider if you are thinking about relocating your business, or if you are contemplating starting a new business venture. Mortgage rates are always changing, and for the prime locations in Michigan you will find your real estate investment is well worth the mortgage you will be paying. If you have completed a business plan, detailing your business ideas, your business traffic needs, and the demographics of who your customer base will be, you can find a real estate investment in Michigan that will fit this requirement. Many commercial real estate settings in Michigan will service many functions in promoting your industry.

When you are looking for commercial real estate listings in Michigan, there are many different ways to go about it. You may have a pacific idea to where you are looking for the commercial property. If you know where you want to have your company that is a big advantage because you will be able to narrow down your search a little because of where you are looking. Some of the listing areas are the Lakefront Real Estate Michigan or Waterfront Real estate but there are many more areas that you may be looking at for the commercial real estate that you whish to have your company at for business, some are considered prime locations, while others are commercial settings thatdo not have the heavy traffic. One thing that you are going to want to do is check out what area in Michigan would be the best for your companies business and for the consumers as well. If you need heavy traffic to get the high numbers of customers, you should seek out some of the prime locations, which can be a bit higher in cost, but well worth the investment.

Once you have done some of the work on checking out of the different locations, you will notice that there are areas of the state that is going to be a great location for your business of operation. Many companies may choose to have their business location near the lakes so that they have some easy access for shipment and deliveries in many different ways beside vehicle. If you are checking out the lakefront real estate in Michigan, you may notice that you are going to need to be ready to pay a little more for the property because of its location but it could be a big benefit in the long run when you think about the different ways that you are going to be able to ship and receive deliveries and even the possibility of how many consumers that would be available if you are in the business of sales because of the visitors that could come to your shop some supplies or needs for their vacation. That right there would be a great advantage to acquiring some Michigan waterfront real estate when you are going to start up a business of sales that would be a benefit for the vacationers. If you have, a product or service that would benefit the many who love to vacation you should search commercial real estate in the Waterfront Real Estate Michigan listings.

Michigan waterfront real estate is a prime location for many types of business, not only because of the high number of tourist that come to this area, but also because of the high number of traffic daily that will see your business in this area. Grand Blanc Michigan Real Estate is also a prime location for commercial real estate, as this is an area that is growing yearly, with new residential areas expanding around the commercial area. About seventy percent of the homes in Michigan are two and three bedroom homes, housing families that are available to support the commercial sales needs.

Jennifer Hershey has more than twenty years of experience as a mortgage loan officer. Her site http://www.explainingmortgages.com - a real estate investing and mortgage resource devoted to making mortgage types and home loan programs easy to grasp.