<p>97 Tips for Canadian Real Estate Investors [Paperback] </p><p>Don R. Campbell (Author), Peter Kinch (Author), Barry McGuire (Author), Russell Westcott (Author) </p><p><br></p><p>Introduction.</p><p>Part 1: Stop Thinking! Start Knowing!</p><p>The Foundation on Which All Is Built.</p><p>- 7; rean estate investing in canada by don r. campbell을 기본서로 이 책을 참고서로 투자하라</p><p>- 11; 동업자간 신용조회와 범죄조회는 필수다.</p><p>- 15; trump: the art of the deal도 참고서로 읽어보라</p><p><br></p><p>Part 2: Money Matters: Mortgage and Financing Tips.</p><p>- 34; 은행별 총대출한도가 있고 대개 5년내 5채이상 사는 경우에 문제될 수있으니 이를 대비하여 MBS를 우선 사용한다.</p><p>- 44; 금리상승위험에 대비하여 Rate hold를 요청하여 비용없이 리스크를 줄일 수있다.</p><p>- 52; 합작회사는 한사람이 자금을 대고 다른 한사람이 일을 하여 지분을 반씩 소유한다.</p><p>- 54; 단기/가변금리는 인플레이션이 2%내외가 되도록 하는 중앙은행의 기준금리에 그리고 장기/고정금리는 회사채수급에 연동된다.</p><p>- 57; 최근 30년간 가변금리는 고정금리보다 80%확률로 낮았다.</p><p>- 66; 라인오브크레딧 금리는 담보시 프라임+1%내외</p><p>- 70/53; 50/50 deal(A find B fund, 50/50 c/f, 50/50 after B get refund), 30/70 guaratees(A 30% fund/guaratee B rest, B find, 30/70 c/f, 30/70 after get refund), 50/50 reovation(A d/p B reovation, 50/50 after get fund)</p><p>- 76/57; sophisticate invester binder(cover letter, proof of income, c/f summary, credit report, net-worth statemet, real estate assessmet statement, investment plan, biography, property analysis)</p><p>공실률은 프레데릭톤의 경유 2016년 4.4%에서 2017년 2.1%로 급격히 낮아졌고 2베드렌트는 838에서 873으로 증가 </p><p>https://www03.cmhc-schl.gc.ca/hmiportal#Profile/1310032/4/Fredericton%20(C)</p><p>cmhc의 보증을 받으면 85%까지 일반 주택모기지보다 낮은 이율의 적용이 가능</p><p><br></p><p>Part 3: How to Make Your Investment System Work.</p><p>- 90/72; use 10% filter on gross annual rent return</p><p>- 95/77; royal le page's quarterly canadian housig price at home page a office: cmhc local office for vacant rate</p><p><br></p><p>Part 4: Focus on the Two Types of Economic Fundamentals and Dramatically Increase Your Bottom-Line Results.</p><p>- 111/92; use housing affordability index by rbc for more 33% of pre-tax income to make monthly paymet for a median property</p><p>- 114/; contact a hiring company for new tanents</p><p>- 95; it is open easier to invest in surroud area instead of boomig area</p><p>- 116/96; look for new building to invest better surround older neibourhoods which will be better after over 5 years.</p><p>- 100; buy worst to get best return in the area</p><p>- 104; consider parkig lot for more reveue which is ot subject to teet regulation for $50-300</p><p>- 105; codominium coversion is good strategy if you have enough fund, codominiumization or stratification</p><p>- 108; with furished, you may have 50-100% more</p><p>- 113; use powerful and emotional ad words, home comfort enjoy private bright relax easy instant you free discover proven save new announcing warmth clean</p><p>- 125/; $1,000 home may be rented for 4 rooms $400 each</p><p>- 127/; the best market is pre-foreclosure since canada has storong privacy laws</p><p><br></p><p>Part 5: Data, Bricks and Mortar: The Practical Side of Wealth Creation Through Real Estate Investment.</p><p>- 152/128; insurance co asks at least 100 amp per unit. add subject to vendor arranging appropriate insurance on property within 10 days of acceptance clause and rental loss insurance as well</p><p>- 130; MFP, multi family purchase should include local fire code report which may cost tens of grand $</p><p>- 131; ERD, emergency response department may keep records against bylaw which may issue work order cost a lot</p><p>- 165/139; add seller's duty to provide the real property report and evidence of compliance 10 days before closing. </p><p>- 170/143; including 2nd LOC if loan is lesse than 75% for renovatiom cost, CMHC should insure it with upto 4.5% premium</p><p>PPIL(purchase plus improvements loan) may save insurance CMHC primium by using after renovation price</p><p>- 144; you must have written quotes and contracts with contractors</p><p>- 150; please refer http://www.reincanada.com/ for renovation secret</p><p>- 179/; 세탁기와 건조기는 코인사업자와 수익분배를 함으로서 유지보수와 투자비용을 줄일 수 있고 지하에 세대를 늘리면 30-60%의 집가치가 상승한다.</p><p>- 181/; 조수익에서 공실 및 운영비용을 제외하면 순수익이 되는데 이를 자본환원률로 나누면 수익가치가 된다. 환원율은 지역에 따라 다르지만 대략 10%내외다. </p><p><br></p><p>Part 6: Negotiate the Deal You Want (Practice Makes Perfect).</p><p>- 160; rules of negotiation, set goal & write down, have an agenda & a plan, create a relationship; seek the win-win deal, separate the people from the problem, focus on motivations not positions, search for agreement from trivial items, listen only to reason not pressure, be willing to walk away, silence is golden, he who mentions a number loses first, negotiate only with the decision-maker, be patient, be confident, follow through</p><p><br></p><p>Part 7: Purchasing and Closing: The Art of the Deal.</p><p>- 172; include a clause allowing you to check if the property is insurable or not</p><p>- 173; service charges for utility hookups and deposit, condominium fees unpaid should be considered</p><p>- 174; include cover letter to have a greater chance of acceptance to offer</p><p>- 205/176; $1,000 is enough for deposit</p><p>계약금은 $1,000이면 충분하고 대신 컨디션이 줄어들 때마다 증액하는 것이 좋으며 매수자 변호사의 신탁계정에 예치한다.</p><p>- 208/178; avoid check and utilize a bank draft which is better than a certified check for loss</p><p>서티화이드 체크는 분실하면 되찾기가 어렵지만 드래프트는 사본을 가지고 있으므로 변호사의 확인으로 쉽게 재발행이 가능하다. </p><p>- 179; use courier service than mail to trace the check</p><p>- 181; take photos for negosiation and repair plan, room # and to be repaired</p><p>- 188; give an offer with 3 days limit</p><p>- 216/; 잔금일을 확정하지 말고 변호사승낙을 조건으로 클로징 14일내로 하는 것이 좋다.</p><p>- 189; set 5th for closing, 0923accept 1007conditionRemove 1101rent 1105cloging 1201rent 1205morgage or</p><p>with allowing codition after condition removal, 1007accept 1021conditionRemove 1124closing 1201 rent 1224morgage</p><p>- 192; title insurance is better than land search since it has more benifits for simillar cost, around $1,000 </p><p><br></p><p>Part 8: Tenancy Issues: make Defence Your Best Offence.</p><p>- 232/202; classified ads are the least cost-effective but add For Rent sign, refferals from tenents, shares with association members, on-line, military, police, construction sites, HR of major employers, univesity, flyers on vehicles</p><p>- 234/; try viewIt.ca for toronto renting</p><p>- 237/; Search Engine Optimization, SEO will pay for your home page</p><p>- 239/206; asks questions to tenent before showing, </p><p>when are you looking to move to the new place?</p><p>how long do you plan to rent this place?</p><p>how many people will be living there?</p><p>do you have any pets or plan on getting any?</p><p>how long have you rented the place where you currently reside?</p><p>where did you hear about this place?</p><p>what kind of work do you do?</p><p>how long have you been at this job?</p><p>have you given your current landlord proper notice?</p><p>- 207; ask tenents to complete a formal application to lease allowing credit & criminal checks</p><p>- 208; call landlord stating "I understand that you have a suite for rent" to discover play part. </p><p>- 210; take photo with tenent during inspection to warn and verify</p><p><br></p><p>Part 9: Legal Insights and Tax Tips: What You' ve Got to Know (So It Won't Hurt You).</p><p>- 261/226; check condo bylaws for rental limit and current level of renting. also need to know about special assessments required, contemplated or unpaid. check bicycle parking limit and park title as well. </p><p>- 227; review condo f/s, agm minute, borad meeting minuts for at least 1 year with condo plan</p><p>- 264/228; review reserve fund, deferred maintenance, Cond Reserve Fund Study, DRS(Deffered Reserve Study), and DRP(Deffered Reserve Plan)</p><p>- 229; if DRS has not completed, add caluse in offer, "Seller warrants there are no special assessments required contemplated or unpaid" </p><p>- 265/230; new condo's owner/occupier upto 450k could get GST rebate</p><p>- 231; get GST registered and pay it directly to CRA under Section 221(2) of Excise Tax Act.</p><p>- 233; ask the price afer/before GST</p><p>- 280/; 2년미만 보유는 대부분 양도소득이 아닌 사업소득으로 본다</p><p>- 282; http://www.reincanada.com/contact-us/register-your-book/</p><p><br></p><p>Appendix.</p><p>Property Goldmine Score Card.; 사진150708_001</p><p>All Properties Due Diligence Checklist.</p><p>Condominium Purchase Due Diligence Checklist.; 사진150708_002-4</p><p>Statutory Declaration.</p><p>Support Tools and Key Contacts.</p><p>Real Estate Investment network.</p><p>About the Authors.</p><p><br></p><p><br></p><p><br></p><p><br></p><p><br></p><p>Table of Contents</p><p>Introduction.</p><p>Part 1: Stop Thinking! Start Knowing!</p><p>The Foundation on Which All Is Built.</p><p>- 10; get a copy of the efferre resere pla for coo uit iestmet</p><p>- 14; i a aerage maret, it taes 3 years for a property to really start outpurformig the maret</p><p>- 16; prepare miimum of 2 moths' worth of mortgage, coo a tax paymet for fiacial co9tigecies</p><p><br></p><p>Part 2: Money Matters: Mortgage and Financing Tips.</p><p>- 41; to hae more mortgage, as to iclue your retal icome as well</p><p>- 50; line of credit costs about $500 legal fee and prime rate interest</p><p>- 51; with matrix-style mortgage, your loc limit will be increased whenever you pay mortgage principal.</p><p>- 53; 50/50 deal(A find B fund, 50/50 c/f, 50/50 after B get fund), 30/70 guaratees(A 30% fund/guaratee B rest, B find, 30/70 c/f, 30/70 after get fund), 50/50 reovatio(A ow B reovatio, 50/50 after get fund)</p><p>- 57; sophisticate ivester bier(cover letter, proof of icome, c/f summary, creit report, et-worth statemet, real estate assessmet statemet, ivestmet pla biography, property aalysis)</p><p><br></p><p>Part 3: How to Make Your Investment System Work.</p><p>- 72; use 10% filter o gross aual ret retur</p><p>- 77; royal le page's quarterly caaia housig price at home page a office, cmhc local office for vacat rate</p><p>- 80; buy 4 color folers, re for teat, yellow for property, blue for legal, gree for mothly receipts</p><p><br></p><p>Part 4: Focus on the Two Types of Economic Fundamentals and Dramatically Increase Your Bottom-Line Results.</p><p>- 92; use housing affordability index by rbc for more 33% of pre-tax icome to make mothly paymet for a meia property</p><p>- 95; it is ope easier to ivest i surrou area istea of boomig area</p><p>- 96; look for ew builig to ivest better surrou oler eibourhoos which will be better after over 5 years.</p><p>- 100; buy worst to get best retur i the area</p><p>- 104; cosier parkig lot for more reveue which is ot subject to teet regulatio</p><p>- 105; codominium coversion is goo strategy if you have eough fu, codominiumization or stratification</p><p>- 108; with furishe, you may have 50-100% more</p><p>- 113; use powerful and emotional ad words, home comfort enjoy private bright relax easy instant you free discover proven save new announcing warmth clean</p><p><br></p><p>Part 5: Data, Bricks and Mortar: The Practical Side of Wealth Creation Through Real Estate Investment.</p><p>- 128; insurance co asks at least 100 amp per unit. add subject to vendor arranging appropriate insurance on property within 10 days of acceptance clause and rental loss insurance as well</p><p>- 130; MFP, multi family purchase should include local fire code report which may cost tens of grand $</p><p>- 131; ERD, emergency response department may keep records against bylaw which may issue work order cost a lot</p><p>- 139; add seller's duty to provide the real property report and evidence of compliance 10 days before closing. </p><p>- 143; including 2nd LOC if loan is more than 75%, CMHC should insure it with upto 4.5% premium</p><p>- 144; you must have written quotes and contracts with contractors</p><p>- 150; please refer http://www.reincanada.com/ for renovation secret</p><p><br></p><p>Part 6: Negotiate the Deal You Want (Practice Makes Perfect).</p><p>- 160; rules of negotiation, set goal & write down, have an agenda & a plan, create a relationship; seek the win-win deal, separate the people from the problem, focus on motivations not positions, search for agreement from trivial items, listen only to reason not pressure, be willing to walk away, silence is golden, he who mentions a number loses first, negotiate only with the decision-maker, be patient, be confident, follow through</p><p><br></p><p>Part 7: Purchasing and Closing: The Art of the Deal.</p><p>- 172; include a clause allowing you to check if the property is insurable or not</p><p>- 173; service charges for utility hookups and deposit, condominium fees unpaid should be considered</p><p>- 174; include cover letter to have a greater chance of acceptance to offer</p><p>- 176; $1,000 is enough for deposit</p><p>- 178; avoid check and utilize a bank draft which is better than a certified check for loss</p><p>- 179; use courier service than mail to trace the check</p><p>- 181; take photos for negosiation and repair plan, room # and to be repaired</p><p>- 188; give an offer with 3 days limit</p><p>- 189; set 5th for closing, 0923accept 1007conditionRemove 1101rent 1105cloging 1201rent 1205morgage or</p><p>with allowing codition after condition removal, 1007accept 1021conditionRemove 1124closing 1201 rent 1224morgage</p><p>- 192; title insurance is better than land search since it has more benifits for simillar cost, around $1,000 </p><p><br></p><p>Part 8: Tenancy Issues: make Defence Your Best Offence.</p><p>- 202; classified ads are the least cost-effective but add For Rent sign, refferals from tenents, shares with association members, on-line, military, police, construction sites, HR of major employers, univesity, flyers on vehicles</p><p>- 206; asks questions to tenent before showing, </p><p>when are you looking to move to the new place?</p><p>how long do you plan to rent this place?</p><p>how many people will be living there?</p><p>do you have any pets or plan on getting any?</p><p>how long have you rented the place where you currently reside?</p><p>where did you hear about this place?</p><p>what kind of work do you do?</p><p>how long have you been at this job?</p><p>have you given your current landlord proper notice?</p><p>- 207; ask tenents to complete a formal application to lease allowing credit & criminal checks</p><p>- 208; call landlord stating "I understand that you have a suite for rent" to discover play part. </p><p>- 210; take photo with tenent during inspection to warn and verify</p><p><br></p><p>Part 9: Legal Insights and Tax Tips: What You' ve Got to Know (So It Won't Hurt You).</p><p>- 226; check condo bylaws for rental limit and current level of renting. also need to know about special assessments required, contemplated or unpaid. check bicycle parking limit and park title as well. </p><p>- 227; review condo f/s, agm minute, borad meeting minuts for at least 1 year with condo plan</p><p>- 228; review reserve fund, deferred maintenance, Cond Reserve Fund Study, DRS(Deffered Reserve Study), and DRP(Deffered Reserve Plan)</p><p>- 229; if DRS has not completed, add caluse in offer, "Seller warrants there are no special assessments required contemplated or unpaid" </p><p>- 230; new condo's owner/occupier upto 450k could get GST rebate</p><p>- 231; get GST registered and pay it directly to CRA under Section 221(2) of Excise Tax Act.</p><p>- 233; ask the price afer/before GST</p><p><br></p><p>Appendix.</p><p>Property Goldmine Score Card.; 사진150708_001</p><p>All Properties Due Diligence Checklist.</p><p>Condominium Purchase Due Diligence Checklist.; 사진150708_002-4</p><p>Statutory Declaration.</p><p>Support Tools and Key Contacts.</p><p>Real Estate Investment network.</p><p>About the Authors.</p><div><br></div><p><br></p>
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