The Rise of a Rentership Society

While looking  over the travel section of a local newspaper I was drawn to a headline “A stranger is sleeping on my nephews lawn”.

Curious and eager to learn more I read the entire article. Renting out a room in your home or renting out your lawn as a camp site to a weary traveler is all the rage. Travelers can save money by renting from a home owner instead of paying for high cost  hotels or motels. That’s not such a strange notion. I spent every night in someone else’s home while touring Ireland last fall. They called it a bed and breakfast. It was a civilized way to meet and talk with the locals. I liked that the money stayed in the pockets of the homeowner.

My friend and associate, Katy, told me that her daughter moved from Penn Valley to San Francisco. She didn’t have to buy her daughter a car because she rented from a company called Zipcar. The auto-sharing companies focus is on cities and college campuses. It’s 650,000 plus members pay an annual fee (under a $100.00)in addition to an hourly rate.

They track their fleet of cars through technology. Each member has a card that allows access to the garages where they are kept and to the vehicles themselves. The savings for renting compared to owning is enormous.

Do you remember when the guys use to rent their tuxedos for prom night but the girls paid hundreds of dollars for their prom dresses? Not anymore. Companies all over the country are renting designer dresses for a fraction of their cost.

Daniel Gross, economics editor at Yahoo Finance says that “Americans are getting use to the idea of renting the good life, from cars to couture to homes”. Mr Gross explains that
Our recent economic downturn and foreclosure crisis has created 3million new rental households.

For many renting makes sense. A one year lease is far more manageable than a 20% down payment, insurance, maintenance and taxes. A tenant also has much more freedom. A tenant has the ability to take advantage of opportunities as they arise without having the burden of selling.

Mr Gross believes that Americans are getting over the idea of owning the American dream, they’re becoming ok with renting it.


Tax Free Rental Income

Some residents of Augusta, Georgia have purchased tickets to the Master’s for years but have never attended the famous golf tournament. It’s because they include the tickets as a bonus to the people who rent their home during the event. Each year, owners rent their home for a big premium during the Masters and make


Equity Requirement to Refinance?

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Using a Lease Option for Purchase

Basically with a lease purchase the buyer pays the seller option money for the right to purchase the property at a later date. The option money may be substantial and  the amount is negotiable. The buyer and seller agree to a pre determined purchase price and monthly rental amount. A portion of the rent is


Is Solar a Good Investment?

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Are Lenders Getting Smarter About Short Sales?

Well maybe. 50 million American home owners have a mortgage on their homes. 10 million of those home owners are upside down or as some like to say, under water. 6.4 million of those home owners are delinquent! Does this mean a new wave of foreclosures? Probably not. The lenders have determined that short sales


Build Your Own Home Guide

I googled “build your own home for dummies” and to my surprise there is a book available on Amazon.com for $13.59. It has over a hundred pages of tips. It has guidelines on foundations to financing! I can’t recommend it because I haven’t read it myself but I think it’s could be a good resource.


When Is a Good Time to Build?

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FHA Financing Issues

FHA just announced  a new premium structure, and will be increasing its annual mortgage insurance premium (MIP) by 0.10 percent for loans under $625,500 and by 0.35 percent for loans above that amount.  Upfront premiums (UFMIP) will also increase by 0.75 percent. These premium changes will impact new loans insured by FHA beginning in April