The Secret to Buying Real Estate With No Money Down

Charleston REal EstateSo you have decided that you want to start investing in real estate, investment purposes or maybe buying your first home, but you just do not have the cash to get you started. You might be surprised that buying real estate is possible even if you have little or no money for the down payment.

Below are a few techniques provided from Charleston SC luxury real estate professionals at , provided the seller is willing to negotiate and has a genuine interest in selling the property as soon as possible.

The simplest method for real estate investment is to take over their mortgage payments. This is called assuming the mortgage. Naturally, you will need to be approved by the original lender to assume the mortgage. If you cannot be approved for this type of mortgage, you might want to try an assumption mortgage, this simply means that you’ll make all the monthly mortgage payments while the property still remains in the name of the seller.

What if the seller asks more than what the balance is on the mortgage?

If the seller wants a higher price than what is owed on the mortgage, you can still assume the mortgage and then get a second mortgage with the seller for the remaining cost of the house. Offer the seller a high interest-only payment for a short period, for example two or three years.

At the end of the term on the second mortgage, you should be able to refinance the property and pay off the seller. Unless there has been a downward trend in real estate, your real estate investment should have gained value in a few years.

There is no mortgage to assume-then what?

A majority of mortgage lenders want to make a good investment. While your local bank may still shy away there are plenty of financial lenders that would love to make a deal and finance your loan.

Finance companies like real estate. To get a better understanding of the process here, you have to know going in that the mortgage is going to be based on approximately 70% of the value of that property, so as long as they know they will get their money back in the value of the property if you default. Complete the deal with a second mortgage created with the seller.

As you can see, there are many different ways that you can invest in real estate as long as the buyer and seller work together. Communication is more important than money, especially if you have a motivated seller who is willing to take a chance on you.

Why SEO is More Effective than Pay Per Click (PPC)

Literally hundreds of thousands of people are making money online through SEO every day. Maybe you just want to earn a contributing income to top up your day job, or perhaps you want to promote your website.

SEO CharlestonIf you learn SEO correctly, it could change your life, but if you are not using the correct steps, you can waste huge amounts of cash when starting out. Google Adwords can really help you if you do it right, but get it wrong – you can be broke in a matter of days or weeks.

All you needed back then was a computer and the knowledge of Google Adwords and a basic understanding of internet marketing. Since then, internet marketing has grown into one of the largest industries in the world and there are thousands of people who are making 6-7 figure incomes every year online.

Competition is now very intense and beginners are stuck with many challenges that were not present previously. In order to succeed online you need to know how to properly SEO your website. There are more and more web surfers, and it is increasingly difficult to determine who wants to purchase and who wants to learn.

Be careful, if you do not know how “Google Adwords” works you WILL lose money very fast. In many respects, PPC has priced itself completely out of the market because there are cheap ways to get an online and attract business.

One of the crazy things is that in the first few days it is when most people give up, or decide to continue. Few people have an unlimited budget, so many quit and return to their day jobs and put it down to their “learning experience” but it need not be that way.

Survive for 1 month you are much more likely to succeed online, survive 2 months and you will have almost made it, and if you are still marketing after 3 months, you will have what it takes to make precious money online.

Whether you are just starting, or you just can’t figure out how to make a profit, I would highly recommend that you find a good mentor and/or put yourself on a good training program about SEO because it will serve you well in the long run.

Adwords may work in the short term, but there is a huge learning curve. You get SEO right once, and everything you do from here out will be miles ahead the completion. For more information visit SEO Charleston professionals at

Online Boat Shopping a Detailed Boat Buying Checklist for Beginning Boaters

The idea of getting in your own boat has mass appeal, and many people new to boating simply budget for the boat, then wonder a few months later why this is such an expensive purchase. Here are some helpful tips from a leading boat listing webite – Take the time to understand all the costs involved and you will enjoy your time on the water with family and friends.
Boats for Sale
1. Boating Paperwork – In order to take your family and friends out on the boat, you had better gotten all the paperwork in order. This means getting your license, permits, and insurance. be sure to protect these items on board in a waterproof pouch in case you are asked to show these documents.

2. Marina Fees – If you plan to dock your boat at the marina, be sure to reserve your spot and get the prices for the time you will be staying there. Even if you do not use the boat for a the month, you owe those marina fees each month, so carefully consider the cost to leave it docked or tow the boat home after each trip.

3. Maintenance – Maintaining the boat involves having a skilled mechanic check all the vital parts and tune up the engine so you are not going to have issues miles out at sea. Just like your car, to ensure a safe time on the water the boat much have key points checked periodically during the year.

4. Boating Equipment – Fishing equipment, tow lines, tubes, all cost money. Be sure you incorporate the cost to have fun on the water into the price of the boat.

5. Safety Gear – Safety is a top concern, each person needs a life jacket, and you are required to have other safety equipment on board at all times.

6. Towing Equipment – If you are not going to be leaving the boat at the marina, you will need a trailer to tow the boat home after each trip out.

7. Winterizing – After the season comes to an end, you must have the boat properly winterized so that come spring, you can jump back in the boat without any issues. Whether storing at the marina or home, proper winterizing is essential in extending the life of the boat.

Keep these boating expenditures in mind the day you buy your boat and you will have plenty of cash to go around to cover all the little costs that are surely going to arise during your exciting time as a boat owner.