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Reduce Your Taxes by $10,000 with a Solo 401(k)

January 21, 2013 by Marco Santarelli

If you're self-employed or have a small business, the idea of a 401(k) may make you jump to two conclusions: “My company is too small” or “I can’t afford it.”  Well, you’re not too small and you can afford it!

A Solo 401(k) is inexpensive to set up and easy to maintain – and it delivers substantial tax and saving advantages.  Use a Solo 401(k) plan if you’re self-employed or run an owner-only business.  You could add multiple owners and a spouse to a Solo 401(k) plan, but if you add full-time employees you’ll need to convert it to a more traditional IRA  plan.

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Filed Under: Financing, Real Estate Investing, Taxes Tagged With: Financing, IRA, Real Estate Investing, Reduce Your Taxes, self-directed IRA, Solo 401(k), Taxes

10 Questions on the New Mortgage Rules

January 14, 2013 by Marco Santarelli

Regulators issued new mortgage rules last week designed to prevent a return to lending practices that helped crater the housing market and brought the financial system to its knees during the past decade.

Here’s a look at some frequently asked questions:

What is a qualified mortgage? Congress amended federal lending laws in 2010 to give greater legal rights to borrowers who get mortgages they can’t afford. The new law, part of the Dodd-Frank financial-regulation overhaul, said if banks made a qualified mortgage — one that meets certain easy-to-identify criteria — regulators and courts would presume lenders had reason to assume a borrower could repay.

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Filed Under: Financing, Real Estate Investing, Taxes Tagged With: Mortgage Loans, Mortgage Rules, Real Estate Investing

Mortgage Interest Deduction on the Chopping Block?

December 11, 2012 by Marco Santarelli

A tax break that has long been untouchable could soon be in for some serious scrutiny. Many home buyers deduct their mortgage interest when assessing their tax bill, a perk that has helped bolster the income of millions of families – and the broader housing market. But as President Obama and Congress try to hash out a deal to reduce the budget deficit, the mortgage interest deduction will likely be part of the discussion.

Limits on a broad array of deductions could emerge in any budget deal.  It is likely that any caps would be structured to aim at high-income households, and would diminish or end the mortgage tax break for many of those taxpayers.

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Filed Under: Financing, Real Estate Investing, Taxes Tagged With: Housing Market, Investment Property, mortgage interest, Mortgage Interest Deduction, Real Estate Investing, Real Estate Investment

The Real Estate Indicator Screaming "Buy"

November 27, 2012 by Marco Santarelli

Buy Real Estate NowI just locked down a 2.875% interest rate, fixed for the 15-year term of the mortgage. No points. With rates like these, I find myself rethinking the idea that I want to pay off my mortgage.

I can do a lot better than 2.875% investing the money. If I just sock it away in gold, I bet I’ll come out way ahead. Finding investments that clear such a low hurdle is not that difficult.

Right now is a great time to do this, if looked at from a historical perspective. The 10-year Treasury rate is 1.64% as I write. That is what investors are willing to accept to lend money to the US Treasury for a 10-year term. It seems absolutely crazy. But the Treasury rate we see is something of a forced smile.

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Filed Under: Financing, Housing Market, Real Estate Investing Tagged With: Housing Market, interest rates, Mortgage Loans, Real Estate Economics, Real Estate Financing, Real Estate Investing, Real Estate Investment, Real Estate Markets

Housing Under a Second Obama Administration

November 13, 2012 by Marco Santarelli

A big part of my job is helping our clients project the most likely scenarios for the housing market.  Now that we know who will be President, my job just got easier because we have four years of experience with Obama and a divided Congress, so we know what we are getting.

However, there is never a dull moment.

Here is what keeps me up at night:

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Filed Under: Financing, Housing Market, Real Estate Investing Tagged With: Economic Growth, Housing Demand, Housing Market, Job Growth, Mortgage Availability, mortgage rates, Real Estate Investing, Real Estate Market

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  • Is it a Good Time to Buy a House or Should I Wait Until 2024
    September 28, 2023Marco Santarelli
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  • Connecticut Housing Market: Prices, Trends, Forecast 2023
    September 28, 2023Marco Santarelli

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