Blog – Alta Capital Group

Hard Money Construction Loans: The Definitive Guide

James Bowie — Fri, 25 Jun 2021 10:39:41 +0000

What is a Private Construction Loan? Hard money construction loans are short term loans used to finance the construction of a real estate project. They generally last from 12 to 24 months and are intended to help the builder pay for the construction of their project. Upon closing, a portion of the loan proceeds are …

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Most Common Home Inspection Findings

James Bowie — Tue, 23 Feb 2021 00:49:10 +0000

What is a home inspection? A home inspection is an assessment of a home’s physical condition and is conducted by a licensed home inspector who is trained to visually identify issues with a home before the sale of a house. This property inspector will review the home from roof to foundation, seeking out issues that …

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The Draw of Hard Money for Fix-and-Flip Projects

James Bowie — Mon, 13 Jul 2020 20:47:37 +0000

Hard money is an alternative funding method that can be used instead of traditional mortgage lenders. The financing comes from individuals or investors who lend their capital using the subject property as collateral. When you need a loan in a hurry, or when traditional lenders refuse to sign off on a loan, hard money is …

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Private Lending Overview

James Bowie — Thu, 18 Jun 2020 08:44:22 +0000

In this video, our CEO James Bowie provides an overview of private loans and what real estate investors need to look for when partnering with a hard money lender for their investment project. Real estate investors from California to New York and Florida to Texas trust Alta Capital Group to fund their projects and come …

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How to Fix-and-Flip in the Coronavirus Era

James Bowie — Wed, 27 May 2020 01:16:42 +0000

As a result of the constantly evolving status of the COVID-19 pandemic—including social distancing and restrictions on commercial activity—real estate investors need to be extra vigilant to successfully fix & flip projects in a market severely impacted by the coronavirus. This is what you need to know to stay ahead of the competition in today’s …

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5 Tips to Master the “Flip” of a “Fix-and-Flip”

James Bowie — Fri, 08 May 2020 22:56:16 +0000

After putting in all the hard work to find and then rehab a fix-and-flip real estate investment, the goal is to sell it quickly at the highest price so the hard money lenders, private money lenders, real estate investors, contractors and (most importantly) you can be compensated for the time and effort required for an …

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Impacts of Coronavirus Travel Restrictions on Real Estate Investing

James Bowie — Sat, 25 Apr 2020 00:46:44 +0000

The IOC recently made the decision to push back the Tokyo 2020 summer Olympics to 2021. As countries around the globe continue to adjust in response to the COVID-19 pandemic there have been unprecedented border closures and government mandated quarantines. How do these preventative measures impact real estate investing? The coronavirus has spread like wildfire …

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The Reality Behind Reality Fix-and-Flip T.V. Shows

James Bowie — Sat, 04 Apr 2020 01:25:41 +0000

If you had a dollar for every fix and flip reality T.V. series out there, you might not need the income potential associated with real estate investing at all. This trendy industry has been massively popularized by shows boasting breathtaking redesigns, mind-blowing profit margins and audaciously short timelines—all of which are achievable if investors have …

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The 70% rule: An Introduction to fix-and-flip Investing

James Bowie — Sat, 21 Mar 2020 00:03:23 +0000

What is the 70% Rule? The seventy percent after repair value (ARV) rule-of-thumb is a widely referenced calculation in the real estate investment industry—and for good reason. The formula is a useful indicator of potential profit when acquiring distressed properties with the end goal of reselling for a profit. The 70% “rule” expresses the maximum …

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The Secret to successfully identifying and buying distressed residential homes

James Bowie — Fri, 31 Jan 2020 18:22:34 +0000

Real estate investors are always keeping an eye out for a great deal. One of the best markets to find an investment opportunity with an above-average return on investment is the foreclosure sector. When property owners become delinquent on their mortgage payments, there’s often a potential for a savvy opportunist to acquire the home for …

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4 Crucial Details Not to Overlook When Talking to Motivated Sellers

James Bowie — Sat, 18 Jan 2020 00:42:08 +0000

All successful real estate investors share a common trait: they’re sticklers when it comes to the details. They know which facts and statistics will matter in the long run and adjust their investment strategies accordingly. Never is this more critical than when you are talking to motivated sellers. Taking a page out of their book …

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Top 5 Insights to Take Your Fix-and-Flip Business to the Next Level

James Bowie — Fri, 03 Jan 2020 13:18:24 +0000

When it comes to the real estate investment industry, you’d be hard-pressed to find a trendier niche than fix-and-flip properties. Despite the undeniable popularity of this strategy, it’s far from an easy concept to master. Market variability, demographic fluctuations and a bevy of other unpredictable variables contribute to both the volatility and potential lucrativeness from …

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Establishing Best Practices for Mortgage Brokers

James Bowie — Thu, 07 Nov 2019 10:55:10 +0000

The nature of a given commercial mortgage broker’s business isn’t set in stone. One may specialize in marketing technology products, whilst another may focus on improving their customers’ convenience or pricing. There is, however, one key underlying trait that virtually all prosperous mortgage brokers seem to have in common: they deliver consistent, high-quality services to …

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Non-bank real estate lending – what does the future hold?

James Bowie — Sat, 21 Sep 2019 06:45:33 +0000

Due to the large role that the housing market played in the 2008 financial crisis, it only seems natural that banks and traditional lending platforms shied away from this asset class in the housing bubble’s aftermath. Both the U.S. government and regulators injected billions of dollars into these institutions to avoid the complete collapse of …

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Portfolio Diversification Key in Post-Retirement Investing

James Bowie — Fri, 06 Sep 2019 11:05:34 +0000

It’s the ultimate balancing act: ensuring you have an adequate nest egg to thrive during your retirement years. Unfortunately, there’s no one-size-fits-all solution when it comes to crunching the numbers. A multitude of factors ranging from your health to location can significantly impact the amount of money required to comfortably sustain you through your retirement …

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Single-family vs. multi-unit properties – tips for hard money lenders

James Bowie — Fri, 16 Aug 2019 07:56:40 +0000

Although quite trite, the adage that “old habits die hard” can also be true when faced with the types of properties that investors focus on – whether a real estate professional’s efforts lie primarily in the single-family home space or multi-family world may be a matter of preference, but it is unwise to disregard “the …

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OPPORTUNITY ZONE INVESTMENT – A POWERFUL NEW INCENTIVE IS BORN

James Bowie — Tue, 30 Jul 2019 11:56:45 +0000

Why Should Investors Pay Attention to Qualified Opportunity Zones? A new incentive allowing investors to realize capital gains and invest those gains into other businesses was introduced in the 2017 tax law – these ‘other businesses’ include real estate in designated low income and high poverty areas referred to as opportunity zones (OZ.) These zones, …

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How to work with your hard money lender

James Bowie — Tue, 30 Jul 2019 11:54:04 +0000

A cacophony of less-than-desirable international events – coupled with an often volatile Wall Street – have caused an alarming shortage of capital that is needed to finance sizable and minute real estate transactions alike. Even though these market conditions have impacted capital at an institutional level, borrowers have begun seeking capital from privately raised, privately …

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As renting increases in popularity, mortgage professionals must adapt

James Bowie — Mon, 08 Jul 2019 12:28:21 +0000

The inherent flexibility of renting a property as opposed to buying it showcases itself in generational differences in home-hunting habits. Although it may be easy to assume that only younger Americans are skewing towards rentals – after all, subscription-based services are the new norm in everything from food to entertainment – older property hunters are …

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It Takes All Kinds: Who Uses Private Capital?

James Bowie — Wed, 26 Jun 2019 12:33:28 +0000

In the wake of the 2008 financial crisis, private capital gained traction with investors because traditional, Goliath-sized banks essentially froze their lending operations. As a result, many aspiring and seasoned entrepreneurs alike had to pass on opportunities that were seized by those with deeper pockets. This private money lending boom, however, has broadened access to …

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