Investing in property can be a tricky business especially in present economic conditions. Below market value property offers an ideal opportunity for investors to buy property at below the open market price. But it is usually difficult to find these little gems and using an experienced agent is the best way forward.

However, there are indicators and things you can do to ensure you make the best possible decision. Below are some property investment tips that should help you on your way even if you are not looking for bmv property.

As they say location is one of the most important factors when investing in property.

·         The first tip is to consider the area or country that is likely to provide you with the best return. Many would be investors fail to look beyond their local areas. This means they are potentially losing thousands by ignoring other opportunities. Naturally London is one of the most popular areas in the UK. But if you are looking for below market value property you should also look at cheaper areas as well as you might be able to pick up several properties at once and divide your investment. This is in contrast to just buying one property and putting all your eggs in one basket.

·         If you are considering other countries look at their economies. Are they growing fast, is there lots of national or foreign investment or are they perhaps about enter the EU. All of these positive indicators will have an affect on the property market.

·         The same applies to areas within your own country. You should look for local regeneration initiatives. For example, the East London train line is going to be extended, this will increase demand in the areas along this extension and increase local property prices.

·         You should also look for large businesses moving into an area. This normally means more jobs and more jobs means greater demand for housing. This is useful if you are buying a below market value property because you can easily rent it out.

·         When buying to let you need to consider the cost of letting the property and the likely return on your investment. If after your calculations you find that you are making a loss, you need to move on or find more money for your deposit in order to reduce your mortgage repayments. It’s likely that you will have to factor in letting agent management fees, mortgage repayments, maintenance costs (about 10-15% of the yearly rent) and the possibility that the property may be empty for 1 month every year.

·         When purchasing a property make sure it will be easy to maintain and has no major defects. Low maintenance properties mean fewer headaches for you.

·         Buy in a safe area, look at local crime rates. It’s possible to find out how many youths have ASBO’s in an area this is a good indicator of local crime levels. Upmystreet is an excellent resource to find information about an area with out even leaving your home. Simply type a post code in and you can find out local crime rates and much more. Here’s a link http://www.upmystreet.com. Using these resources is very useful if you are considering a below market value property. Doing your due diligence in present market conditions is essential.

·         If you are intending on buying a family home try to buy in an area with good schools. You can research league tables of independent schools and colleges on this site http://www.best-schools.co.uk. It is a useful resource for anyone wishing target affluent families. Here is another good website for researching public sector primary and secondary schools in the UK http://www.dcsf.gov.uk/performancetables.

The amount of money you make from a property investment is largely determined by the quality and suitability of the property in terms of your target market and the location of that property. Even in these hard times there are still viable investment options for the savvy property investor. A below market value property can mean you pay up to 30% less than the open market price. I suggest you find a specialist agent for the best BMVdeals. They generally use national marketing campaigns to source properties.

It would appear that the future of the property market in 2010 is looking more positive with improvements in confidence and demand towards the backend of 2009. At the beginning of the year an estimated 75,000 repossessions were expected this was revised down by the Council of Mortgage Lenders to 48,000. Although, the sell house fast industry, which specialises in helping people obtain a quick cash sale for their home has experienced a particularly busy year.  

 

In the Nationwide’s House Price Index, prices rose for 9 consecutive months in 2009, resulting in an increase of 2.7% over the last 12 months. The average house price in October was £162,038, which is comparable to early 2006 levels. In London this is even more pronounced, with Haart estate agents reporting that house prices rose by 10% in November increasing from around £274,000 to £302,000.

 

Many homeowners have been staying put waiting to see what happens in the market. On the other hand others who desperately need a quick house sale have been finding it very difficult on the open market, which is why so many have turned to using sell house fast schemes.

 

But the question is, are these increases just a result of increased demand being matched by low supply? Some analysts are predicting that we will experience further price falls of up to 7% in 2010. Their rationale is that the recent improvements in the property market are unsustainable and defy the state of the economy as a whole, with rising unemployment and poor credit availability still very much a problem.

 

Predictably many experts foresee unemployment rates, stock market health and credit availability as the major factors affecting the property market in 2010. If we don’t suffer any more major financial shocks, many predict that property prices will decrease by around 2-3% with increases being as high as 7-9% in 2011. However, if the government needs to make staff cut backs in the public sector this could leave many without a job and facing repossession. This will no doubt mean that a lot of people will need to use sell house fast plans and sell their properties at a discounted price.

 

The increases in 2009 have been down to all time low interest rates set by the bank of England, which have tempted the blessed who can actually obtain a mortgage to jump in and take advantage. As well as this rental returns are on the increase, this has been beneficial for cash buyers. As stated above the Council of Mortgage Lenders (CML) predicted that up to 75,000 homes could be repossessed in 2009, however, due to extremely low interest rates many have seen their mortgage repayments reduced, which has meant less forced sales and lower supply in the property market. This led to the CML reducing their previous prediction down to 48,000. Unfortunately, many of these repossessions could have bee avoided but the sell house fast industry is not that well known and it’s not as if people can walk into their nearest estate agent and get an immediate cash offer.

 

What is evident is that the performance of the property market can not be measured on a national level as it differs according to region. If you are thinking of buying or selling your house fast, look closely at your local area and how it has performed. Look out for areas which rely heavily on the public sector for employment as these areas could be at risk. And most importantly keep an eye on rising interest and unemployment rates any increases could spell further trouble.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               

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Fannie Mae 1004 (Uniform Res. Appraisal Report) My House Appraisal This home appraisal is the standard documentation used by most lenders for both in-bank lending and the more popular and aggressively priced secondary market loans. It essentially mirrors the Premium Valuation Assessment (PVA). This report, however, includes all the disclosures and licensing requirements to meet lender specifications. In other words, this appraisal can be used by your lender for loan purposes. However, lenders are required to maintain a list of approved appraisers. As an added service for this product, The Karr Group will work with your lender to insure the appraiser used for this evaluation is qualified for their lending policies. This process may involve adding the appraiser to their approved list, which we will coordinate for you. A licensed appraiser performs this home appraisal.

Premium Valuation Assessment My House Appraisal This comprehensive assessment utilizes the three comparable sales and three comparable listings approach. Specific valuation adjustments are provided to help you understand how the home's value was determined. This method provides the most detailed, factual representation of values and is the basis for lender valuation processes. Our field representative, a licensed real estate agent, will perform a detailed interior and exterior inspection of the home. The analysis will provide detailed marketability conditions pertaining to the home and the market area in general. A suggested listing price will be provided along with remarks regarding positive steps which could facilitate the sale of the home. Pictures of the home and the comparable-sold properties will be provided.

Enhanced Valuation Assessment My House Appraisal This evaluation process includes a visual, exterior inspection of the home. This assessment contains specific inspection details and a review of current market conditions in the area. The process will detail three comparable properties which have recently sold in the area as well as three homes that are currently listed for sale in the area. Inspector remarks may include comments on positive influences which may enhance the marketability of the home. Pictures of the home and the comparable-sold properties are provided with this assessment.

Standard Valuation Assessment My House Appraisal This home valuation is based on our research of other similar homes in the area that have recently sold. This method is generally regarded as a reliable predictor of a home's value. This evaluation contains the basic elements on which lenders rely to assess home values, and the process does not involve a visual inspection of the home. A licensed real estate agent performs this home valuation.

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