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Owning a Home

Housing Market 2012: Propaganda From National Association of Realtors

By Carmello on February 22, 2012

The Housing Market in 2012 is recovering, or so the National Association of Realtors said today in a report that stated home resale numbers are through the roof and available inventory is at a seven year low.  But how heavily should you weigh this report in your decision making? I would argue that is is […]

The Housing Market With Increasing Interest Rates

By Carmello on February 7, 2012

The housing market was slightly down, but relatively stagnate in 2011. The housing market has become increasing segmented, (meaning some areas are showing very small gains while others are still showing giant losses) and many people are wondering if now is the time to buy. My opinion? If you are looking at a house as […]

Be an Owner Occupied Duplex Owner to Live Mortgage Free?

By Carmello on February 3, 2012

The idea of buying an owner occupied duplex is simple, live in one unit and rent the other. Here in the Cincinnati, Ohio area it is very viable that you can cover your entire duplex mortgage payment in full (including taxes and insurance) from the income from your tenant. I myself am completely fascinated with […]

Why Paying Down Your Mortgage Might be Bad

By Carmello on February 1, 2012

Paying down your mortgage can be a great way to build equity, but how exactly do you benefit from paying down your mortgage? Well to answer that question we first have to have a basic understanding of the tax benefits associated with home ownership. As an taxpayer you are entitled to the GREATER of EITHER […]

Buying a Small House in A Bad or Below Average Location

By Carmello on December 31, 2011

My fascination with small housing knows no bounds. The idea of buying a small cheap house to save money is exciting to me. In Cincinnati we have dozens of neighborhoods, but sadly not all of them are created equally. There is about 6-8 neighborhoods that would make the “I could own a house here” rankings. […]

Flipping Houses is Dead in 2012, For Most People

By Carmello on December 28, 2011

Ah the glorious days of flipping real estate and climbing the property ladder. Buy a cheap home, toss some in some new paint, carpet, cabinets and maybe an air conditioner and furnace and pocket a quick $20,000 – $50,000. I for one think flipping is dead for the foresee-able future, but let me make my […]

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