Bonnie Hart | Tips for Good Health

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U.S. Real Estate 25% to 60% Overvalued: Analyst

Will another housing bubble bring down the U.S. economy?

beginning 10 years after the height of the United states property percolate, there’s a good number of worry that we’ll do it again the whole headache again.

For years now, economic system viewers have fretted over the run up in education loan economical debt, while lately the failure in trash connection costs had experts illustrating paralells to what actually occurred in the subprime home loan market in 2008. Famous trader Henry Soros recently was estimated as saying the difficulty in China’s marketplaces informs him of the
But what if the next problems isn’t just identical to the last one, but a word-for-word rip-off? That’s what a audience of Speed up Loans’ newest ad for its new home personal loan, Bomb Mortgage, might just think. The tag line is, after all, “push key, get home loan.”

But a hard look at the numbers should persuade you that home loan companies aren’t passing out loans like a dental professional passing out tooth brushes. Loaning requirements have come down a bit, but they remain stronger than they were before the mid-2000s percolate started bolstering, and apparently certified buyers are still stressing about getting ignore of the real estate industry.

For its part, Speed up Loans Chief executive and CMO Jay Farnar claims that products like Bomb Mortgage enable his companies to improve the quality of its lending, because it allows a more efficient collection of customer information that can make underwriting better.

Meanwhile, home loan originations have stayed flat for the past two years, and creditors are passing out less loans today then they were this year, when the real estate restoration was just getting ongoing, according to information from the Mortgage Lenders Organization.

 This Content was originally posted on: Chris Matthews

 

Alberta real estate developers turn from office space to rental housing

Plunging oil prices have dealt a devastating blow to Calgary’s developers as energy companies hemorrhage office space. But where others see pain, Riaz Mamdani sees opportunity.

The head of Strategic Group, a real estate company that has focused mainly on buying and building office space in the Calgary area, is setting his sights on a new market: rental housing.

Mr. Mamdani has five apartment buildings under construction in the region. By June, he hopes to boost that number to nine. Over the next three years he hopes rental housing will grow to make up half his Alberta real estate portfolio, up from about a fifth today.

The shift is a result of what’s been happening in Alberta’s energy sector. Oil prices have continued to slide, killing demand for new office space and making rental housing – a more stable, if less profitable venture – that much more attractive.

“We see an opportunity that we couldn’t have otherwise been pursuing but for the fact that the more lucrative opportunity, which has always been office buildings in our portfolio, doesn’t make sense today,” he says.

Mr. Mamdani is not alone in that assessment. Analysts got a surprise when housing starts actually rose in November across the Prairies, along with most other markets in Canada.

“This will be a record-breaking year for multifamily housing,” says Christina Butchart, Canada Mortgage and Housing Corp.’s market analyst for Edmonton.

Multifamily housing starts are on track to hit their highest levels recorded in Edmonton in 2015, while in Calgary they are expected to hit their second-highest levels since 1981. More than a third of that jump in both cities has come from a surge in rental construction.

It’s a trend that has also taken root in markets such as Quebec City, Ottawa and Winnipeg, where developers have responded to a glut of unsold condo inventory by building rentals instead.

But the high levels of rental construction in cities such as Calgary and Edmonton are all the more surprising because vacancy rates have soared there this year in the face of rising job losses. Calgary’s vacancy rate was 5.3 per cent in October, up from 1.4 per cent a year earlier.

The surge in new apartment construction is partly an echo of the past as developers proceed with projects that were conceived back when the housing market was still hot and Alberta still had among the tightest rental markets in the country.

“That planning happened three years ago when everybody thought that oil was going to $200,” says Bob Dhillon, CEO of Mainstreet Equity Corp., a rental apartment company whose portfolio is concentrated in Alberta and Saskatchewan.

Alberta’s rental market is also being sustained by an insatiable appetite among institutional investors to buy rental housing coupled with a chronic shortage of new construction.

Investment in rental housing has more than doubled in Calgary this year, real estate brokerage Avison Young said in a mid-year report. That was driven by higher prices, rather than more properties changing hands, as the price per unit investors paid for rental housing in the city hit its second-highest point in the past 25 years.

But industry players say the biggest factor driving new rental construction in the province is access to cheap financing thanks to exceptionally low interest rates. That has kept the cost of construction down and also meant that fewer landlords are forced to sell off distressed properties.

“What’s happening now is what happened in 2009 and 2010,” Sam Kolias, head of Alberta-based rental landlord Boardwalk REIT, recently told analysts. “There just weren’t sales because apartment owners have access to capital, very inexpensive capital, and they are not under any pressure to sell.”

Falling interest rates have more than made up for the increase in vacancy rates, Mr. Dhillon says. “Even if your vacancy rate goes up 3-4 points, your interest rate had dropped from 4.5 per cent to 2.5 per cent,” he says. “You’re actually ahead of the game from five years ago in terms of cash flow.”

Mr. Mamdani acknowledges a rise of little more than half a percentage point in rates could derail his plans to build more rentals. “If the indicators change and the increase might be greater than half a point, then we may have to reassess our enthusiasm for the business,” he says.

Still, he expects the same forces that have traditionally fuelled demand for rental housing in Alberta, a young and growing population and a lack of high-quality modern rental buildings, to continue driving the market next year even if oil prices stay low.

This Content was originally posted on: TAMSIN McMAHON

Real Estate Bill offers some breathing space for builders but it's indeed a buyers' market

he real estate stalemate that has been going on for long will perhaps clear off quickly much to the relief of the industry people as the Union Cabinet has given its green signal to the Real Estate (Regulation and Development) Bill, 2015.

A key stipulation of the Bill, to ensure timely execution of projects, will go a long way in safeguarding the interest of consumers, and in the long run, keep the real estate markets brimming with active demand.

Of late, the market has been dull, lacking velocity in sales and an umpteen number of projects failing to meet deadlines. The developers have been crying about procedural delays as the major factor affecting the project execution timings.

To put it bluntly, the real estate market has been stagnant. The National Capital Region (NCR) alone has a number of stalled projects because of slow demand and certain economic factors. A Knight Frank report states there are more than 6 lakh unsold units in the country, and at the current absorption rate, it will take more than 2 years to clear even if no projects are launched.

In other regions however, sales have been sluggish across the country. According to Surajit Chanda, regional head, Sobha Ltd. (Pune), sales velocity has slowed down in the city. “The market is going through stress. And buyers are taking more time to buy. Primary demand is between 30-70 lakh segment all across the country. In the premium segment, say 1 cr and above, there is certain movement, but not as is expected,” lamented Chanda.

Pinning down one of the causes of the real estate distress, Chanda remarked, “Developers have over leveraged themselves. They picked up more than they can chew.”

If one takes a look at the massive number of delayed projects, it gives a clear picture of why buyers’ confidence is eroded. Not only is their hard earned money been stuck and their economics gone topsy-turvy, but the developer’s promise of timely delivery, a thing which they should swear by, has lost credibility.

This Content was originally posted on: Vanita Akhaury

New York, London Or Hong Kong: Where Is The Hottest Real Estate Investment Right Now?

For those who are considering the real estate investment possibilities around the world, New York City has developed the reputation for being a safe haven particularly for foreign investors. Whether that particular reputation reflects the reality of the market may be debatable, but the bottom line is that many investors have been drawn to New York City for three primary reasons: relative liquidity, Easy accessibility, stable prices.

However, there are other cities around the world that are also developing reputations for being safe havens for real estate investment such as London and Hong Kong, and Singapore. Since the housing crisis of 2008, New York City has recovered quite well and remains one of the few large gateway cities that bring in real estate investments from around the world.

The Emphasis on Luxury Real Estate   One of the more interesting developments since the housing crash in 2008 has been the emphasis on purchasing luxury residential property around the world. While this may seem counterintuitive at first, this type of investment was a reaction to the lack of trust for securities and other financial instruments that went down during this time.

In essence, luxury real estate property is seen as a sound, secure investment that is outside traditional financial investments. So, it is little wonder that luxury apartments in London have essentially doubled in price since 2006 while in New York the price has gone up around 50%. As the gap widens between New York, Hong Kong, London and the rest of the world, the competition has grown considerably tougher.

It certainly helps that financial institutions in the US have made investing in real estate more palatable as a reaction to the crash in 2008. In addition, the Federal Reserve has kept short term interest rates low which has pushed some into real estate investing as well.

This Content was originally posted on: Omri Barzilay

Washington’s Shaw Neighborhood Is Remade for Young Urbanites

WASHINGTON — Over time, neighborhoods rise and fall and then rise again.

Such has been the case with Shaw, an inner-city neighborhood named after an urban renewal district. A host of programs failed to revive the once-thriving area, which was devastated by the 1968 riots that followed the assassination of the Rev. Dr. Martin Luther King Jr.

But decades later, gentrification came to Shaw, and now it has perhaps reached its zenith with the real estate rebranding of a portion as North End Shaw. At least, that is what JBG, a major local developer heavily invested in the area, is calling it, as it markets its newest project, four stylish residential rental and condo buildings with ground-floor retail shops.

The old Shaw was largely low income and African-American. Its U Street was hailed as the Black Broadway, with clubs frequented by the likes of Duke Ellington, Pearl Bailey and other top black performers in segregated Washington.
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But now a whole different scene has emerged in the newly energized corridor. It is increasingly home to white millennials seeking a walkable, urban lifestyle close to two Metro subway stations. It is also home to trendy stores like the eyewear emporium Warby Parker; Chrome Industries, which morphed from a maker of backpacks for bicycle messengers to a seller of clothing “for urban mobility”; and Frank & Oak, a Canadian clothier that started online and now has 12 stores, three in the United States.

That a dozen such brands have chosen to locate here is a result of careful planning and “place making” by JBG, based in Chevy Chase, Md., which assembled public and privately owned parcels five years ago. It has now developed these tracts into a hub of shops and residential buildings, with 708 rental and condo units. They include Atlantic Plumbing, on the former site of a plumbing supply company; the Shay; the Hatton; and 2030 Eighth Street at Atlantic Plumbing, with a penthouse unit priced at nearly $2 million.

At Atlantic Plumbing, JBG has leased ground-floor space at low rents to enterprises like Cherry Blossom, a graphic design firm, and Foundry Gallery, a cooperative art space.

This Content was originally posted on: EUGENE L. MEYER

Apeiron Developer Submits Plan For 549-Foot Tower

The developer of Apeiron at The Jockey Club submitted plans for a tower to the FAA last week.

Apeiron will rise 549 feet above sea level, or 540 feet above ground, if approved by the agency.

The 40-story tower will include 120 serviced residences ranging in size from 1,500 square feet to 4,500 square feet. A 90-room hotel is also included in the tower.

This Content was originally posted on: TNM Staff