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All Forum Posts by: Julie Toh

Julie Toh has started 16 posts and replied 308 times.

Post: Looking for a LLC registered agent in Utah

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

Hi all. Can anyone recommend a LLC registered agent in Utah?

Post: Financing

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

Are you familiar with monoline banks?  These are broker-only banks that have niche products for investors like yourself.  E.G. One of the lenders in my list has a 16 doors product, whereas most banks (big 5) will only finance up to 4 doors + your prinicipal residence.

Post: Vancouver BC Area in a bubble?

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

@Account Closed

Post: Equity Lending

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

Hi @Robert Gunther.  You can definitely unlock the equity in your property i.e. refinance and use the funds to purchase another property. I can assist you to do this but will need more information. Send me a PM if you'd like more info.

Post: Investment options

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

Hi Robin, welcome to BP where you can find excellent resources.  I find the podcasts really educational.   I'd be happy to answer your questions in mortgage financing in Canada...shoot me a PM. 

Post: Leveraging my primary residence?

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

@Paul Kochendorfer

Do you have a readvanceable mortgage?  

There are different ways to raise cash for a downpayment: get a HELOC, leverage the equity in your home, get investors partners or if you have equipment (in your business), you can go the leasing route.

Post: Home Equity Loan as Down Payment?

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

@Hilary Hageman  

You asked a good question! A HELOC is a good option, the other option is to leverage your primary residence. I'd advise my clients to refinance because the interest rate for a refinance - at least in my neck of the woods - is much lower than a HELOC. Regardless, always shop around for a better rate.

Post: Financing for Canadians

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

@Massimo Salerno  Where is your rental property, the one you want to refi?

Post: SO I paid off one of my mortgages TODAY, thank you Jesus!!!

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

Well done!  

Post: 2016 Global Real Estate Market Outlook

Julie TohPosted
  • Specialist
  • Mortgage Broker Canada
  • Posts 316
  • Votes 118

From CBRE | 2016 Global Real Estate Market Outlook

“Moderate economic growth with low interest rates, punctuated with bouts of pessimism and volatility—the factors that have characterized the world economy for the past few years—are likely to continue in 2016, supporting moderate growth in commercial rents and investment sales volume globally.”

  • cbre2016Economy | Expect 2016 to be a year of volatile markets but steady economic growth. Consumers in the U.S., EU and many parts of Asia Pacific are spending gains from rising incomes, low interest rates and low oil prices, which should support GDP growth.
  • Rents | In 2016, global prime rents across the three major property types—office, industrial and retail—are expected to grow 2.2% on an annual basis, according to estimates from CBRE’s Global Rent Index.
  • Capital Markets | Global commercial real estate investment markets are expected to remain active in 2016, but the pace of growth is anticipated to slow after six years of recovery and price appreciation.
  • Office | Most U.S. and European office markets are expected to tighten further in 2016 as demand for space is expected to outpace limited new development. However, Asia Pacific office markets will be more mixed.
  • Retail | Retailers and mall operators are adopting new “placemaking” strategies to compete with e-commerce, which combined with stronger consumers, should stimulate more demand for retail space globally.
  • Industrial | Robust demand from e-commerce and third-party logistics companies for warehouse and distribution space—including for smaller in-fill locations within major metros—will continue to reshape the industrial market.

To download the full report, go to http://corporaterealestategroup.com/2016/02/14/cbr...