Or the lender sold off the credit risk and a condition of the credit swap restricts what can done when it comes to loan term modifications.The Sec of the Treasury was highlighting this on CNBC a few weeks back.That said some lenders do control their loans so they will strike a bargain.

I just need a comprehensive plan. 1)Traditional savings methods such as Treasuries, saving accounts, term deposits don't offer good returns. 2) Fix/Flip don't have enough potential to reach my goals and its not passive. 3) I've researched companies like Prosper and Lending Club but their stats and no-collateral is discouraging. 4) I like the idea of owning a large multi-family complex debt free.

My quad's come out to 64,000 a door for 850 to 950 a month in rent on my apartments.I don't look at it only from a cash flow perspective however.The area I have the buildings in is an A location prime for redevelopment down the road.Mike it sounds like your local market is competitive with investors and your margins are thin.On one hand it is good to be in a thriving market where demand is strong because usually supply is lower and the amount of rentals and new development for multifamily cannot meet demand.This helps rents grow at a rate that outpaces utility increases and inflation.The downside is it can make some investors overspend on a property because they feel good about the market.I looked for over 2 years before I bought something.I said many times those buyers were nuts.I tracked the properties and many investment properties after purchase just 1 to 2 years later went into foreclosure.They bought at such a price that it wasn't sustainable.I look for a 10 CAP or better on my purchases.The problem is if you someone who has only gotten 1 percent interest off of a CD or Treasuries or they have gotten beat up in the stock market.Those types of buyers jump up and down to get a 7% annual CAP return beating out your offers everyday of the week.By in large many buyers like this can be lazy.They only look in the MLS for listed properties.Value can be found marketing to sellers that are not on the market.They don't want to make public all of their problems ( I know it is common knowledge of default at some point but this is their mindset ).

Most 5-year CD yields are around 2-2.25%, and the 10yr treasury is trading in the same area.

There are many tax cases, private letter rulings, Tax memos and other IRS & Treasury documents that can add insight or confusion.A good understanding of the rules can help investors through out the year.

If you flip, it will be considered business income.I am a Enrolled Agent licensed by the Department of Treasury in tax.

Treasury created TARP in October 2008.

One thing is for certain: I'm no tax expert so I have three (3) different IRS Special Collections Unit revenue officers on my legal mailing list for over ten years and I just call them with questions (and they occasionally call me, too).All I know is that debts to the United States Treasury trump all other estate creditors, regardless of state law.

Saw that the US Treasury is auctioning off a 707 sqft 1 br condo at Trump Park Avenue. (502 Park Avenue)What kind of price would a unit like that costs and what would the rents be?

Risk is a player in every investment decision, whether that decision is a treasury bond, a house, a trust deed, or a roulette wheel.So why does putting investment returns in the context of their risk offend you so much that you ask that I be ignored?