Karen
Lee Bertiger
CRB, CRS, e-PRO, GRI, RECS
FLORIDA LIC. REAL ESTATE BROKER
ARIZONA LIC. REAL ESTATE BROKER
INVESTMENT/INCOME REAL ESTATE
SPECIALIST
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Toll Free: 1-888-768-4454
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Office:
901 SW Martin Downs Blvd, Ste 304A
Palm City, FL 34990
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Florida Branch Office Mailing Address:
PO Box 2449
Palm City, FL 34991-2449
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PO Box 1747
Barrington, IL 60011-1747
We Do Not Currently Have an Office
Location in Arizona
Investment Real Estate Brokerage & Asset
Management (Not Property Mgmt)
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Celebrating 25+ Years Career Experience in Investment Real Estate in 2008 With
30+ Years As An Investor
©2003-2008 Karen Lee Bertiger. ALL RIGHTS RESERVED
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service to Karen Lee Bertiger's prospects, customers and clients. While designed
to provide accurate and authoritative information, it is not meant as a
substitute for your own CPA, professional tax advisor, or attorney. Investment
real estate tax planning depends on your individual facts and circumstances. You
should always consult with your own tax advisor to determine if the ideas and
techniques discussed here apply to your situation. It is
offered with the understanding that Karen Lee Bertiger is not engaged in
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DO YOU OWN A "PRIVATE BANK?" YOU DO IF
YOU HAVE A SELF-DIRECTED RETIREMENT ACCOUNT THAT IS SET UP TO INVEST IN REAL
ESTATE.
"Private banking" a la retirement account, that
is. All you need is a self-directed retirement account that is set-up to invest
in real estate related notes, mortgages and properties. If you have your own "private bank"
you may be able to accumulate funds,
tax deferred, in real estate investments. Using a qualified trustee/custodian for your
retirement account (s), and taking care not to violate IRS/Treasury regulations,
you may be able to accumulate more retirement funds (a great way to play catch-up if you
are over 50), & potentially achieve a greater return on your retirement funds
than may currently be available from more traditional sources such as banks,
stock brokers & financial planners. In addition, you
get SECURED (by real estate) investments, which are not prone to being wiped out
in any bankruptcy proceeding by publicly traded stock or funds (remember the
federal bankruptcy law changed during 2005). Your stocks, some corporate
bonds & investment funds all have the downside risk of becoming worthless in any bankruptcy
filed by those entities. You can also be affected if you invest in properties
directly which have leases that can be wiped out in any bankruptcy proceedings
-- you need to know who is leasing any income property you invest in (There is a
way to prevent a lessee's bankruptcy from jeopardizing your investments as well.
You also need to be aware that there are certain additional concerns if you are
investing in a mixed-use property that may render certain types of real estate
investments as unsuitable for even a self-directed retirement plan. (Call me for more information
& consult an attorney fluent in both real
estate issues and bankruptcy law.) This may be especially important in the
coming years to baby boomers who have a lot of retirement planning & savings
issues to consider. According to Deutsche Bank in 2005, an estimated $80
billion in adjustable rate mortgage debt would reach the end of their initial
fixed rate periods and face adjustment during 2005. They also estimated that
approximately $300 billion in the same type of debt would be due for
readjustment during 2006. It is also estimated that the $1 TRILLION coming up
for adjustment in 2007 is the largest fixed rate interest expiration in
financial history. So how can you take advantage of this with your "private
bank?" Because you could be offering better terms without the points & garbage
fees that institutional lenders charge borrowers. You may also earn a higher
rate of return than on CDs (which may or may not have insurance, which is
not
the same thing as being SECURED) with the added perk that your investment is
SECURED both by real estate & under laws affecting borrowers' liquidation or
recasting of debt in any future bankruptcy proceeding. If you are a
sophisticated investor, I would urge you to investigate this type of investment
for yourself. Request your tax & legal representatives to verify its legality
for you. (Finding a really good tax attorney specializing in retirement plans is
a good place to start.) I have many currently identified real estate
investment properties that I can match to your specific risk profile. They are
not listed publicly with standard commercial-investment real estate brokers in
some instances due to confidentiality agreements; however, I can broker the transactions for real estate for you,
unless I have a conflict of interest with another customer or client, or own a
total or partial interest.
In most instances it's a good idea to segregate your strategist from the
brokerage firm.
I'd welcome the opportunity to speak with you about "private banking" real estate investment
investments.