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The Biggest Mistakes Real Estate Investors Make

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A
accountant 42
accrual accounting 43
accruing interest 15
additional security 53
adjustable rate mortgage 7
after-tax cash flow 14
after-tax income 42
Aggressive 47
Aggressive Tax Avoidance for Real Estate Investors 4, 29, 44, 47, 54
Allen, Bob 55
Allen, John 60
Allen, Richard 18
Allen, Woody 4
all-inclusive deed of trust 45
American Dream 19
amortization 10, 36, 37
amortization table 26
Annie Hall 4
annual constant 1
Apartment Market Study 6
applicable federal rate 43
appraisals 10
appraiser 61
appreciation 7
Art of Negotiation 54
ascending 28
assignment of rents 53
assumption 27
asterisk 39
attorney 49
B
bad credit 3
balloon payment 7, 15, 25, 29, 36,37, 39, 40, 53, 55
bankers 51
bankruptcy 3, 12
basis 47
before-tax cash flow 10, 18
before-tax debt-coverage ratio 14
beginner 17, 13
below-market interest rate 37
Bigone, Vince 2
blanket mortgage 8, 29, 53
Blue Book 58
bond lease 14
books and periodicals
Aggressive Tax Avoidance for Real Estate Investors 4, 29, 44, 47, 54
Apartment Market Study 6
Art of Negotiation 54
Bankers, The 51
Blue Book 58
Crittenden Report, The 55
David Copperfield 1
Garage Sale Manual, The 59
Getting to Yes 54
How I Turned $1,000 Into $5,000,000 in Real Estate in My Spare Time 20
How to Manage Residential Property
for Maximum Cash Flow and Resale Value 53
How to Prosper During the Coming Bad Years 3
How to Write a Nothing Down Offer
18
Kelley Blue Book 58
National Bureau of Economic Research
39
Real Estate Investing Letter 18, 41
Real Estate Investor’s Monthly 39
Selling Income Property Successfully
60
Standard College Dictionary 41
You Can Negotiate Anything 54
buffer 5
bull market 28
business cycle 32
buy down 54
C
Cain & Scott 40
calculator 24
canned negotiating tactics 54
capacity 8, 31
capital expenditure 14, 57
capitalization rate 1, 12
cash accounting 43
cash basis 43
cash equivalent 30
cash flow 10, 11
cash on cash 10
cash value 30
character 8
circular process 54
Claims Court 54
closing costs 9
Cohen, Herb 54
Coldwell Banker 10
collateral 8
commission 10
complex techniques 35
connections 56
Consolidated Capital 39
conspiracy 3
construction period interest 43
Consumer Price Index 23
Continental Savings and Loan 2
contingent 7
continuous dial 9
copy-and-paste command 27
co-signer 53
Craig’s List 59
creative finance 40
64
Fundamentals of Real Estate Finance
credit 49
credit application 7
credit card loan 2
credit score 14
credit tenant 39
Crittenden Report 55
customers 56
D
David Copperfield 1
debt coverage ratio 12, 13, 14, 15, 16
debt-coverage ratio 42
debt service 12
deception 54
Decision Making Process 51
Decision Making Unit 51, 52
deed 47
deed of trust 45
DeLeon, Ponce 5
deposits 55, 56
depreciable improvements 23
depreciation 42, 8, 36, 57
depression 13
descending 7
detent 9
determination 5
Dickens, Charles 1
dirty tricks 54
discharge of indebtedness 47
discount rate 24
District Court 54
DMP 51
DMU 51
drudge work 19
due-on-sale clause 7
Dupree + Scott 6
E
eBay 59
Estate of E.P. Lamberth 46
Excel 26, 45, 46
excess loans over basis 42
exchange 47
F
face amount of the loan 28
face-to-face negotiating 38
face value 30
factor 49
Fair Credit Reporting Act 3
fair market rental value 48
false statement 3
Family ‘loans’ 43
Fannie Mae 57
favors 56
Federal Home Loan Mortgage Corporation
57
Federal National Mortgage Association
57
fees 48
FHA 7
FHLMC 2
FHLMC/FNMA Residential Loan Application
57
financial calculator 24
financial tables 24
finding fault 54
Fisher, Roger 54
FNMA 2, 57, 58
FNMA/FHLMC Residential Loan Application 59
Form 870 54
Fountain of Youth 3
fraudulent transfer in anticipation of bankruptcy 29
Freddie Mac 57
funny money 25
furniture 59
G
gains tax 47
Garage Sale Manual 59
Getting To Yes 54
goal-oriented 52
grace period 2
graduated payment mortgage 7
Great Depression 13
gross profit 44
ground lease 36
group insurance policies 56
growing equity mortgage 7
guarantee 9
H
Hall, Annie 4
hang-ups 53
Hewlett Packard 12C 24
Holmes, Oliver Wendall 16
How I Turned $1,000 Into $5,000,000 in Real Estate in My Spare Time 20
How to Manage Residential Property for Maximum Cash Flow and Resale Value 53
How to Prosper During the Coming Bad Years 3
How to Write a Nothing Down Offer 18
I
IBM 14
if loan 7
improvement 48
imputed interest 42, 43
imputed interest rules 44, 43
income pattern 8
income tax 10
index 7
inflation 23, 31, 41
installment sale 42, 44, 46
Installment Sale Correction Act of 2000 43
insurance companies 7
interest 26, 43, 48
interest only loan 37
interest rate 31
Internal Revenue Code 42
IRB 1988-37 47
irregular 7
IRS 41, 42, 43, 44, 45, 47, 48, 54
IRV formula 31
K
Kaplan, Jay 39
keeping speed up 11
Kelley Blue Book 58
kicker 40
L
land 23
land contract 8, 28, 35, 36, 46, 47
late penalty 2
Laventhol and Horwath 47
Law of Large Numbers 6
law of supply and demand 37
lease 47, 48
lease financing 42
lease option 8, 48
Ledford court case 47
lender policy 53
level payment 8
Lichtman court case 47
life insurance companies 56
linear process 54
loan officer 51
65
Index
loan size 53
loan-to-value ratio 11
locked-in loan 7
long-term capital gains 44
long-term lease 14
loyalty 56
M
Maddox court case 47
mail fraud 3
Makar, Bruce 10
market value 32
Marner, Silas 20
master-metered 53
mathematics of finance 24
Mayer, Martin 51
median existing home sale price 23
minimum interest rates 43
mortgage 42
mortgage broker fee 49
Mortgage Guarantee Insurance Corporation
8
mortgage insurance 53
mortgage payment 24
N
National Association of Realtors® 28
negative amortization 37
negative cash flow 12, 57
negotiating 4, 16
negotiating tricks 54
net appreciation 10
net lease 14
new car effect 10
Nickerson, William 20
Nierenberg, Gerard 54
nobody’s market 32
nonacquiesced 47
Nothing Down 55
NPV 27
O
OID Rules 44
opportunity cost 23, 11
option 42
ordinary income 44
OREO 56
Original Issue Discount rules 43
overall debt-coverage ratio 13
overall loan-to-value ratio 11
overall return 10
owner-occupant 3
P
Pacific Palisades 3
paper 29
partner 56
paying for 37
payment pattern 4, 12
People Check List 55, 56
people-to-people financing 28
personal characteristics 13, 28
personal liability 5, 26, 55
personal property 59
phantom income 46
pledged savings account 53
points 27, 44, 53, 55
positive cash flow 25, 57
prepaid interest 48
prepayment bonus 44
prepayment penalty 48, 57
present value 26
pressure tactics 54
primary source of repayment 48
principal 47
private mortgage insurance 53
process-oriented 52
psychological warfare 54
R
rapport 52, 54
Reagan, President Ronald 3
real estate agent 28, 41, 13, 55
Real Estate Investing Letter 18, 41
Real Estate Investor’s Monthly 39
recession 1
refinancing 2, 17
relationship 55, 56
reputation 10
return on current equity 10
return on equity 9
return on original investment 3
Revenue Reconciliation Act of 1993 47
Revenue Ruling 82-202 44
risk averse 51
Roulac, Stephen 41
S
salary 16
sale-leaseback 43
Santa Claus conspiracy 29
Schlaes & Young Information Systems
18
Scrooge McDuck 20
Seattle, WA 6
secondary market 57
secondary source of repayment 12
security deposit 59
security instrument 7
seller financing 32, 28
sellers 11
sellers’ markets 32
Selling Income Property Successfully 60
shop around 52
Simplification of Imputed Interest Rules 43
single-family house 55
Single-Family Lease Options 48
spreadsheet 26
Spy Who Came In From the Cold, The 18
Standard College Dictionary 41
standard deal 6
Stonecrest Corporation 46
Stonecrest court case 46
stretch-then-slide 8
subject to 33
sub-prime 2
subsidies 37
substance over form 42
substitution of collateral 8
survey 49
T
target loan-to-value ratio 10, 11
Tax Court 54
tax exempt bonds 58
tax ramifications 44
Tax Reform Act of 1984 43
Tax Relief Extension Act of 1999 43, 38
tax shelter 29, 24
Temporary Regulation 15A.453-1(b)(3)(ii) 47
terms 8
third-party negotiator 23
Three C’s of Credit 30
time value of money 49
U
United Pacific Corp. 46
unsecured loans 11
Ury, William 54
U.S. Government bond 14
66 Fundamentals of Real Estate Finance
V
VA 7, 19, 37
vacancy rate 13
values 31
vector 32
Visa 1
Voight court case 47
W
Waldrip court case 47
West Point 19
what if 3
wife’s name 14
WPPS 28
wraparound