Archive of Kevin Kaczmarek's Articles

Kevin Kaczmarek is President of Capital Blueprints, LLC. Serving a national and international client base, Kevin helps clients achieve their personal goals for long-term stability and solid financial growth through Self Directed IRA Investments and individualized Passive Income Strategies.

Kevin has written 50 article(s) for the BiggerPockets Blog.


Real Estate Investing

How to Avoid a Haircut on your Note

by Kevin Kaczmarek | September 28, 2011
Thumbnail image for How to Avoid a Haircut on your Note

One of the first lessons we learn in real estate is that you make your money when you buy. Sometimes that is a hard pill to swallow, especially when we make a good real estate purchase that turns into a bad deal, only because of unforeseen circumstances.  However, in note origination there are several instances where [...]

0 comments Read the full article →
Real Estate Law

Note Investing & Usury Laws: Don’t Get Bit By A Loan Shark!

by Kevin Kaczmarek | September 7, 2011
Thumbnail image for Note Investing & Usury Laws: Don’t Get Bit By A Loan Shark!

As with so many of my blog posts, I like sharing some of my actual experiences with you because I believe experience is the best teacher. This one is an important reminder about the fact that note investing requires some serious due diligence before you jump in. Usury Laws! The term just rolls off the [...]

3 comments Read the full article →
Real Estate Investing

Turning a Non-Performing Note into a Rental Property and a Good Deed

by Kevin Kaczmarek | August 24, 2011

The mortgage meltdown has put many hard-working good people in tough situations where foreclosure is their only option. Even though this market has created the best buying opportunities in decades, there are more people just like a homeowner I recently ran into.  I thought this case study might inspire you as you purchase mortgage notes. [...]

11 comments Read the full article →
Real Estate Investing

Dealing in Notes

by Kevin Kaczmarek | August 19, 2011

A question popped up this week as a few colleagues and I were discussing seller financing and the idea of providing seller financing to homeowners and investors. The discussion leads to important points that if you are considering selling with owner financing you have to read. It could save you thousands of dollars. When to [...]

6 comments Read the full article →
Mortgages & Lending

Banks will not lend! What to Do With Balloon Payments

by Kevin Kaczmarek | August 10, 2011

Yesterday was another roller coaster ride on Wall Street and outside of your mutual funds, stock and bonds, what happened yesterday has a major impact on your real estate business. For months now we have been talking about buying and selling properties with seller financing. There was one particular article that now has a greater [...]

2 comments Read the full article →
Real Estate Investing

When Seller Financing is Too Much Leverage

by Kevin Kaczmarek | August 3, 2011

It might seem like a great problem to have, too much financing from private sellers. In many instances it is a great problem. You are acquiring properties using other people’s money to grow your portfolio or business. However, there are a few guidelines to follow when buying properties using seller financing. Begin with the exit [...]

6 comments Read the full article →
Real Estate Investing

Seller Financing: Three Kinds Available to You

by Kevin Kaczmarek | July 20, 2011
Thumbnail image for Seller Financing: Three Kinds Available to You

Seller Financing has likely become the single most talked about real estate investing tool in the past few years due to the lending restrictions banks have placed on our industry. Just this past week, a banker told me real estate investing is now considered a “hobby” meaning it is not considered a lending option for [...]

4 comments Read the full article →
Commentary

Is the SAFE ACT an Urban Legend?

by Kevin Kaczmarek | July 13, 2011
Thumbnail image for Is the SAFE ACT an Urban Legend?

Do you remember an abandoned house or building that was the focus of urban legend growing up? There was a house in my Grandparents neighborhood that was the subject of speculation and the origin of horror stories for years. Depending on who you talked to, the stories became more and more exaggerated to the point [...]

1 comment Read the full article →
Real Estate Investing

Insurance and Your Real Estate Note

by Kevin Kaczmarek | July 7, 2011
Thumbnail image for Insurance and Your Real Estate Note

It’s one of those intangibles that sometimes gets glossed over when it comes to seller financing, however it’s important to have a good understanding of the various aspects of insurance when it comes to seller financing. Buying with seller financing: If you are a real estate investor buying property with seller financing, it’s your responsibility [...]

9 comments Read the full article →
Real Estate Investing

In This Market Only Buy Notes for their Asset Value

by Kevin Kaczmarek | June 29, 2011
Thumbnail image for In This Market Only Buy Notes for their Asset Value

When we talk about being a note investor we have to be very careful not to overpay for the note, and while it might go without saying, if you are just getting started out investing in seller financed notes, only buy the note at its asset value. Using real estate thinking, only buy the note [...]

0 comments Read the full article →
Real Estate Investing

Exit Strategies For Notes That Work: Without Foreclosure

by Kevin Kaczmarek | June 22, 2011

There is an old saying in the note investing world, “You make money when they pay, you make more money when they don’t.” That phrase is often followed by advice that includes the judicial process that leads to foreclosure or land contract forfeiture. While these strategies are truly the most common in this current market, [...]

0 comments Read the full article →
Real Estate Investing

Five Pitfalls To Avoid In Note Investing

by Kevin Kaczmarek | June 8, 2011
Thumbnail image for Five Pitfalls To Avoid In Note Investing

While note investing is by far my favorite form of real estate investing, the note investment world is not something you just jump into without understanding some of the basics I have previously outlined. This week I want to tap into some of the pitfalls you might find in the note investing world. I am [...]

1 comment Read the full article →
Real Estate

Using Seller Financing for those Fix and Flip Deals

by Kevin Kaczmarek | June 1, 2011
Thumbnail image for Using Seller Financing for those Fix and Flip Deals

In order to make real estate investing your career there are a few components to success: Real Estate knowledge, a good team around you, a good deal in front of you, and adequate capital to fulfill your exit strategy. The money part of the deal tends to hold most people back from pulling the trigger [...]

8 comments Read the full article →
Real Estate Investing

Get Note Pre-Approval Before the Deal

by Kevin Kaczmarek | May 25, 2011

Do you remember going through the process of getting your first mortgage? Sure, it was nice to look at the various houses, and ask the sales price, but, if you were like me, fresh out of college and not making nearly enough for my dream home, I needed a starting place.  Someone wisely suggested I [...]

2 comments Read the full article →
Real Estate Investing

Heart Smart Note Investing

by Kevin Kaczmarek | May 18, 2011
Thumbnail image for Heart Smart Note Investing

As a note investor you have the power of being the bank. You also have the responsibility of being a bank with integrity to the homeowner who pays you every month.   Who doesn’t want to be the bank? Sounds fun and exciting right? Well, as fun and exciting as it sounds, I want to challenge [...]

0 comments Read the full article →
Copyright © 2004-2012 BiggerPockets, Inc. All Rights Reserved.
BiggerPockets® is a registered trademark of BiggerPockets, Inc.