Why I Bought In A Not Ideal Market...

“The Ideal Time To Buy Is When You’re Ready. ”

— Celia Cavalli

I’m going to tell you guys a story that I think is important I share.

Given the current state of the real estate market I think transparency and Realtors talking real senarios is refreshing.

I’m always here to provide truth, integrity and inspiration for what you can do and achieve and I stand by that with everything in my being, always.

I bought a home at the HEIGHT of the market (meaning the most expensive time homes were selling.) that I didn’t even need

The crazy part is it hasn’t closed yet.

It’s being built still.

Which means…

My rate hasn’t been set yet.

Rates on second homes are sky high and continuing to rise with the next fed meeting on November 2cd.

I still haven’t rate locked yet.

And you know what?

I’m not scared of the outcome for this.

Why?

A few reasons.

Any home purchased is an investment and we will be using it as an income producing asset. It’s the first of many, which to us is EXCITING.

Any loss in income for an LLC is a write off.

We plan to elevate our rental experience which will yield more than the average Air BNB or VRBO so there’s possibility to be extremely profitable despite the higher monthly mortgage payments.

We plan to refinance and roll the closing cost of doing so into the life of the loan creating a smaller monthly payment & less interest over time.

Regardless of interest this is our first investment property which means we took the initiative and began building a wealth generating business regardless of the circumstances.

Where there’s a will there’s always creative ways to achieve your goals and I truly live and stand by this.

So cheers to my new home

Cheers to you following your dreams despite the fear out there spewing from youtube& the news.

I choose to live in a world I create, one that’s not dictated by the bad news (that inevitably never goes away.)

Choose and trust your timing.

I believe in my clients to make strong, informed decisions and I also believe my clients are empowered enough to choose to buy whenever the hell they feel like it, despite whatever tragic news title is flashing.

When it’s your time to buy trust that you’ll also have supported, creative ways to make it

Interest Rates Are Rising On homes...& Why You Should Still Buy

Financial literacy is one of the best ways you can set up yourself for success.

Why is it… it’s so easy to buy something you want (but don’t need and won’t enhance your life financially.) on a credit card that has a 18.99% APR…

Some people buy cars (that depreciate THE VERY SECOND you drive off the lot.) at a 16% APR…

Yet the very thing that will bring you long term wealth,

That will shelter you and your family,

That will build value year to year,

Is hard to purchase when the rate is 6%?

Let me tell you why.

Because instant gratification feels good, in the moment.

People will chase it and do crazy things for it.

And thinking long term takes ability to zoom out and look at the big picture & be in alignment with what’s best for us but not instantly exciting/ gratifying isn’t easy.

It doesn’t come with the instant price tag of validation many people seek.

I look back at all my financial mistakes and realize that if I had known back then that credit cards are to be used only for things to build wealth & fund business projects…that buying the car that’s aligned with the wealth I’ve generated…

& to invest in things that would return profit& growth I would have been less stressed in my 20s.

I wouldn’t have had to work multiple jobs trying to always be ahead of the game.

I wish I knew then what I know now.

But, I had to live that era to speak about it from a first hand place.

This is what I love about my career.

I can work with my clients by consulting with them and collaborating with them to achieve their goals when it comes to real estate

My career is so much more than opening a door.

It’s helping people think bigger.

Dream bigger.

And achieve more.