Personally, I love conspiracy theories. “There’s truth in everything.” It gives the our world the drama of TV without the glass between.
Here’s a juicy one: Hedge funds are going to own all the property and land, and will be landlord lords of all… playing hero through programs like HARP Program and in the name of economic growth! “Make America Great Again!” through the Federal Reserve lowering interest rates…meanwhile shipping jobs out, stagnating wages, increasing the cost of school, etc to hundreds of other aspects of life…and you get a mortgage in hopes that you’ll default. And the media distracts you with entertainment news and makes political news entertaining. And then convoluted, ambiguous fund who’s only rule is that an accredited (rich) person(s) need to be behind only 65% of that fund…read this article “What In The World Is Going On With Hedge Funds?”
Here is England’s historical social structure, for example.
The gist is: the nobles owned the land and the king told them what to do with it – add in the usual levels of corruption. The Knights fight for (or against some other) the king, and the gentry are educated with books written by the king(‘s people) and the serf or husbandman were RENTING the land and felt pretty good as long as there was some cottager (or child?) that they could boss around to ‘play king’. And then there’s the lowest, who own nothing and have nothing to do with it. This would be the Jesus type of character. And there, with new-to-you vocabular and contextualization, you have America! In 2016?
One guess who hold the trump card in this situation? There’s a really good hint within that sentence.
Pull the wool over eyes:
Wolves in sheep’s clothes:
Fundraisers Make Pitch For Trump At Hedge Fund Conference
Pull wool off the wolves, will you?:
Okay – So the conspiracy theory is: Trump and his nobles are hedge fund investors with the wealth in their deep, hidden pockets and with the government’s support through popular property-buy-out programs… hedge funds can systematically buy all property and be the landlords of all.
The truth is probably somewhere in between. We probably won’t be in another dark age. But the caste system is alive and well, isn’t it?
As long as there’s Game of Thrones through the looking glass…
You! renting-to-own your own home is the best answer for this conspiracy theory.
After 2008, people had to really become creative when it came to housing. Rent To Own Homes were an amazing one of theses solutions because it allows you to “test drive” the home before you commit to buying it.
How it works is that the tenant rents the home for a certain amount of time. Say, a year, then when that time is up, they are given the option to purchase the home. Often, they will be paying the down payment for the house a little bit every month proceeding the purchase. That is a portion of their rent during those months of renting.
The Sub Prime Credit Store’s rent to own program helps you find a home, protects you legally, negotiates your lease, fixes your credit, helps you acquire a loan and close one that real estate. Lets just say it is the one-stop-shop for anything financial. So stop settling. Get into the home of your dreams.
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Diamonds. We love them. Ladies love them. Rent-to-own consultants and gurus love them, too. They’re sparkly. They’re pricey. That’s part of the allure, though, of the diamond, whether it’s a round cut, princess or marquise. However, as fun and trendy as it is for a lovely lady to receive such a radiant treasure, one thing’s for sure — if you just don’t have the funds to buy, you’re out of luck. More importantly, if you don’t find the right jewel for the money, you’re up a creek.
In the real estate market, we look for the best deals. These days, it seems, rent-to-own homes are among those best deals, but they’re often difficult to find, hard to negotiate over, and a challenge to traverse through the legal channels of making sure you’re in compliance with an industry already littered with pitfalls. This is why oftentimes real estate agents don’t care too much for the rent-to-own home, because such a contract only involves the landlord/homeowner and the tenant/home buyer. Nobody else. No lawyers (although they can be included, obviously for a hefty retaining fee), no agents, no nothing.
Rent-to-Own Consultants has changed the real estate landscape to a certain degree: they’re the middle man. The advocate. The diamond cutter. With them, they can resolve any need for legal representation, gain access to any list of rent-to-own homes, and even offer affiliate services for anything like credit repair or identity theft protection. They are what they say they are: consultants. And their fee isn’t as pricey as any of those diamonds you’ll find at Jared.
Aside from this review from RTOR, you can even check out Nationwide Property Value’s take on them as well as Assisting Renters’ viewpoint and know the truth: the Rent-to-Own Consultants bring the goods as an affiliate of the BBB A-rated H.O.P.E. Program — in any shape, cut or shine you could ever want in a rent-to-own home.
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We’ll be honest here: the real estate industry’s cutthroat. We accept that. It therefore means you may hit pitfall or trapdoor in your trek through the jungle that is this market due to the fact that there may be scammers out there, and even the best services like the Ultimate Rent-to-Own Home Program and this free list of rent-to-own homes may grab some of those posers, unknowingly filtering them out to the most hopeful home renters and homeowners with 640 credit scores. Know this: these services are on top of the game to eliminate the pests infesting our markets as well as keeping the information updated, for sure, but you may still be asking the big question: where are the real rent-to-own homes and can I just get access to the information directly?
You might even have paid the valuable $49 with the Rent-to-Own Consultants to handle everything from the landlord negotiation to credit repair, which is hats off to you, but let me tell you this: you receive great autonomy and power when the contact information for any particular address in your zip code is ripe for the taking, and then you pass on that information to your resources and skyrocket to the top of the waiting list for a showing, plus an immediate offer for a contract to get into a rent-to-own home!
Enter: this website. The REAL rent-to-own homes, without even signing up for a membership. Just a Google-type search engine getting you past that front door and offering you the contact information you need to get a hold of those landlords, those homeowners offering their real rent-to-own homes.
Check out our front page for a quick look at this site and its 5-star rating. It’s true. You don’t get redirected to a new website or anything. You just get the contact information you need to make the call yourself. Or you can get a hold of the Ultimate Rent-to-Own Home Program, H.O.P.E. to Own, or a quick appointment with your Rent-to-Own Consultants to let them handle the inquiry for you.
The first step is getting that access immediately. And that’s your secret weapon in this real estate jungle. Because we all know that while the real estate market’s cutthroat, it’s also competitive. And if you get that access to real rent-to-own homes, you just might find yourself at the top of the list, getting into that home you always wanted first. And let the lions, tigers and bears feast on the stragglers behind you.
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Read about any of the reviews regarding the Ultimate Rent-to-Own Home Program, this list of rent-to-own homes, and an aggregate system for RTO properties, and you’ll know right away: the RTO home industry is still as popular as ever….
You heard correctly: even high-profile firms are seeing the value in the RTO home industry. Rent-to-own makes more than the mark. It’s seeking to revolutionize the housing market regarding credit repair thanks to recent developments on one of the most prolific rent-to-own companies — aside from the prestigious organization the H.O.P.E. Program — a “little” corporation known as the Home Partners of America (HPA).
But before we get to the goods on what’s going on in this RTO home industry with respect to the HPA, let’s understand exactly what rent-to-own is all about:
Forget the negativity of an option that is rent-to-own and realize that there’s a direct benefit not just for the homeowner, but the home buyer here. All sorts of rent-to-own programs existed through small operators became the rage back in the ’90s as a way to provide an alternative to consumers who may not have a whole lot of cash saved up for a sizable down payment on a mortgage. Understandable. However, almost as quickly as the RTO home industry started seeing some gains, the trend declined due to easy lending choices with no money down — which, as you know, most definitely contributed to the unfortunate housing crash in 2008!
Essentially, the RTO home industry was all about negotiating a deal between the homeowner and the potential home buyer to rent the home for a specific length of time with an option to buy later down the road as credit improves and the home renter saves up enough money for a possible down payment. Sounds good, obviously, but there were cons to the RTO home industry, such as a higher rent and purchase price the longer they rent vs. the fact that those potential home buyers get to lock in that home at a price (which could be a negative, too) and try out the home and neighborhood to see if it’s a great fit for the individual or family. In a sense, the RTO home industry provided something rarely seen in the housing market: flexibility.
Given the fact that lenders nowadays are setting the bar so high, what with credit scores being the make-or-break deal in securing that mortgage loan, it’s now a sure thing: the RTO home industry’s rising again, and for good reason. The HPA sought to target this market that hadn’t seen any development for years since the crash, and it looks as if they’ve nailed a chance to stimulate the industry and get people into homes without issues of foreclosure or decline.
This is how the HPA operates — you’ve got a consumer looking for a home (obviously, a rent-to-own home) and collaborates with a real estate agent. Of course, the HPA has literally an empire of approved communities in suburban locations with solid school systems for families; additionally, prrices range from $100K to $725K, so you’re looking at an RTO home industry that blankets the entire range of possibilities for home buying.
What happens, of course, is the HPA then actually purchases the home from the seller, leasing that home to the prospective consumer. The deal is the consumer becomes a home renter with the actual right to purchase the home after a set period of time. There is an expectation that the home renter has to work on repairing credit for approval of a home loan as well as saving for that down payment, but here’s the catch: the longer that home renter is renting on the property, the more they may have to pay just to buy the house. Interesting trade-off. But with the right rent-to-own resources, and education on the RTO home industry, while it may benefit the homeowner, you’re looking at a great option for the home buyer!
If you were to go on the HPA website, you might see a home shown at a listing price of $449,975 in Chula Vista, CA, with the option for a potential home buyer to purchase at a price of $472,035 just after one year. Now after five years of renting, the home buyer would be looking at a $573,762 purchase price — a 28% markup from the original listing.
Sounds bad, yes — but when you’re informed of the stipulations beforehand and you know what to expect, without even worrying about whether or not a bank will approve a home loan for you — for many families out there, that’s a great deal! Security. Insurance. Assurance. Those are now the main assets in this housing market, thanks to the RTO home industry.
Given the rising prices in our market at the moment, it’s not far off the apple tree — but make no mistake as those potential home buyers will be paying a premium due to a rent-to-own. Your typical 30-year conventional mortgage for the exact same listing in the example would go for just $1.8K. Now with an average single-family rental payment of $2.270K/month in San Diego, this is what the prospective homeowner’s paying extra for — the lock-in for buying that home without any chance of it falling through. Something many people see in the real estate market, for good reason (we, after all, don’t want to see another housing crash, right?).
A sparkling credit score, and a good down payment: that’s typically what we end up seeing in a traditional mortgage, something that doesn’t always work out for the average consumer. So, naturally, a chance to repair credit while living in the home, plus potentially getting the loan at the lease option to buy with zero down, just might be worth the extra price in rent, don’t you think? And here’s an even better benefit for that home renter: the tenant isn’t required to buy!
The HPA isn’t the only organization seeing a profit in the RTO home industry. Home LPC in NYC and Premium Point Investments have also thrown their financial hats in to see if there’s a profit to make in buying these properties and renting them out with a lease option to buy. More and more homes are being bought out for the purpose of rent-to-own; and due to the flexibility not only for the seller/company as well as the renter/buyer, it’s quite hard to see any disadvantage.
You just have to remember one important point when it comes to the RTO home industry — you need to know where to look, what to do, how to do it, and someone to help you do it all the way through. Something that may actually come a little easier for a prospective homeowner than saving a ton of money for a down payment and getting that mortgage approval….
The post The Current State of the RTO Home Industry: a Continuing Trend appeared first on RentToOwnReviews.
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