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Bank Statement Loans for the Self-Employed

Bank Statement Loans for the Self-Employed

Many borrowers whose incomes come from commissions or from being self-employed have a more difficult time qualifying for a traditional home loan.  Many self-employed feel they are treated as if they wear a scarlet letter when it comes to applying for a loan.  Now when...

Buying a House “Subject To”

Buying a House “Subject To”

Have you heard about buying a San Antonio house “Subject To?” Someday, we may see interest rates rise.  When that happens, it will be useful to have an arrow in the  quiver called "buying subject to." In today’s economy with low interest rates, homebuyers tend to...

How Do You Select a General Contractor?

How Do You Select a General Contractor?

A general contractor or GC handles most medium and large construction jobs in San Antonio. The general contractor goes under several names:  a builder, building contractor, remodeling contractor, etc. What makes him a general contractor? He enters into a contract with...

Invest in Real Estate Through IRAs and 401k Plans

Invest in Real Estate Through IRAs and 401k Plans

Are you tired of investing in the dark sleep of Wall Street with all of your retirement savings? Yields are low. You are forced to go after capital appreciation in an overvalued market balloon. Did you know you can invest your retirement funds in some alternative ways...

100 Percent Loan to Value Financing

100 Percent Loan to Value Financing

100 percent loan to value financing on new construction or fix and flips exists. You need a private investor who loans all the money for the purchase of the property and the improvements. It allows you to have none of your money in the deal. The kind of investor who...

10 Steps to Take After a Fire

10 Steps to Take After a Fire

There are 10 steps to take after a fire.  According to KENS 5, “A house fire early Wednesday on the South Side of San Antonio displaced a family of six, authorities said. “Firefighters responded to the blaze at about 2:40 a.m. in the 200 block of Hawthorne. All...

Opportunity Zones – Urban Renewal for America

Opportunity Zones – Urban Renewal for America

Imagine owning an asset with substantial appreciation that you can’t sell because of the capital gains taxes you would pay. Welcome to Opportunity Zones – Urban Renewal for America. Opportunity Zones created in the 2017 tax overhaul to spur economic development in...

What are 1031 Exchanges?

What are 1031 Exchanges?

Investopedia says the average 20-year returns in the commercial real estate slightly outperform the S&P 500 Index, running at around 9.5%. Residential and diversified real estate investments do a bit better, averaging 10.6%. Real estate investment trusts (REITS)...

The Difference Between JTWROS and JT?

The Difference Between JTWROS and JT?

You will find it very common for spouses to own property together in San Antonio as joint tenants with right of survivorship (JTWROS}. When one passes, the other owns the property outright. It's simple, easy, and automatic. But ownership gets messy in the case of a...

San Antonio Estate Sale

San Antonio Estate Sale

When you hear the terms, San Antonio Estate sale. “estate sale” (or tag sales in some parts of the country), you probably think someone died. But don’t let the term fool you, it just means selling en masse, most of a person’s possessions. Often, this occurs when a...

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Tommy Ray

Investor & Mentor

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PO BOX 33396

San Antonio TX 78265

 1-844-VET-CASA

(1-844-838-2272)