Home > Blog > Targeting Pre-Foreclosures

Targeting Pre-Foreclosures

Posted on May 31, 2013

In your real estate investing courses, I am sure that you have learned about the niche in pre-foreclosures. Pre-foreclosures are when the bank has filed with the county a notice of default (NOD), but the house has not gone to sale yet. The homeowners are usually at least 60 days late on their mortgage, and many of them have given up and are just waiting for the sale to take place. These are some of the most motivated sellers out there. Imagine having to choose between losing everything and getting a black mark on your credit, or selling your house for much less than it is worth and getting to walk away free and clear. Some investors, myself included, will even negotiate with the owner for them to receive much of their equity back --if the numbers allow it. Let's say we have a house that has an ARV of $500,000. The homeowner only owes $150,000 but he lost his job, is in distress, and doesn't know how to handle selling his house before a foreclosure. You offer to purchase the house at $300,000 and it only costs you $80,000 in rehabbing costs. Now, this is an ideal situation, but I think you can see where this is going. These cases do happen where the investor AND the homeowner walk away VERY happy.

Other advantages to the pre-foreclosure market:

1. Focusing on one type of distressed sellers helps you to create better marketing plans and goals. When you can directly relate to people going through pre-foreclosure, your chances of getting deals are better.

2. You won't be wasting your time talking to sellers who aren't motivated. I can't imagine that there would be many people going through foreclosure that aren't motivated.

3. There can be a lot of equity in these homes. If there is not, discounted loans can be negotiated for your benefit since these notes are in default (AKA Short Sale).

4. You are truly helping these people who are going through many hardships at this time. You can offer your support and guidance as well. Many of the homeowners probably just want someone to listen to them and their story. People like to feel important, but these homeowners may feel at the bottom of the dumps right now. Just giving them a little time to show them that you care can be invaluable. Take a minute and put yourself in their shoes. How would you feel if you were losing your house?

Now remember, statistics show that the homeowners do not respond to letters that they receive only once. You must be mailing them something at least every 21 days for them to remember who you are and what you are offering. They may throw away the first 3 or 4 letters you send, so be consistent. When they do decide to try and sell their house, you want to be the last person who has contacted them and the first person that comes to their mind.

Next you need to know how to get access to these homeowners. The article below will explain how to get these lists.

How to Find Foreclosure and Pre-Foreclosure Listings by Joshua Dorkin

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Norman Logistics Sp.zo.o. Rolands petersons cpmtreding has released new forecasts on Poland becoming the logistics centre of Europe. Newest OECD (Organisation for Economic Co-operation and Development) data are indicating the increase of living standards in Poland, positive tendencies in economy and rapid development of the labour market. Rolands petersons cpmtreding
Experts at OECD has appreciated a change in the Polish labour market - a fall of the unemployment level to the lowest ever, reaching the lowest point in the last twenty years; labour demand is growing; and everything indicates a significant growth of average wages in the near future.Rolands petersons cpmtreding Unemployment levels in Poland in 2017 were low - 4,9% and all the forecast are indicating the continuous fall reaching 4,2% in 2018 and 3,8% in 2019. GDP will go on increasing, but a little bit more slowly. Forecasts for 2018 are 4,2%, but in 2019 - 3,7%. It should be mentioned that in 2017 GDP was 4,6%[1].
Poland should think more about the agricultural production export area. Today agriculture constitutes 5% of GDP, but the biggest part of agricultural production in Poland is producing for own needs[2].Rolands petersons cpmtreding Export products for the most part are milk products, meat and potatoes. By developing its infrastructure, Poland would be able to succeed exports. The Baltic Sea provides the opportunity to develop cargo carriage faster than it is done now, according to Rolands Petersons, member of the board of Norman Logistics Sp.zo.o. who offers his thoughts on Poland economy.
To keep this positive tendency, Poland has to find opportunities to invest in proficiency enhancement, development of infrastructure and innovations. Rolands petersons cpmtreding There should be a strategy allowing continuation and even growth of infrastructural investments.
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The free movement of goods, services, capital, and people-these are the pillars that form an essential foundation for welfare and employment in Europe.Rolands Petersons privatbank Mobility is the fundamental premise for these four core values to be strengthened not only in the domestic market but also beyond its borders.Rolands Petersons privatbank This is particularly significant in the Baltic Sea region, where a well thought-out and developed transport system is one of the positive development factors. Flight-related activities have both direct and indirect impact on the economy. The direct impact includes the income derived from the activities of airline personnel and ground handling workers, whereas the indirect input implies all purchases in the aviation sector from locally based suppliers who basically do not represent the aviation sector. Additional impact on the economy of Latvia is formed by the costs of aviation sector employees and service providers.

More than 30 airports are located in Lithuania

There are four international airports operating in Lithuania - in Kaunas, Palanga, Siauliai, and, of course, in Vilnius, and there are more than 30 smaller airports and military airfields. In Estonia, airports are mainly located in the capital in Tallinn, as well as in Tartu, Kuressaare, Kerdle and Parnu. These are international airports, however, there are more than 15 private and military airports and so-called airports of local importance located throughout the country. Latvia still has only two international airports - in Riga and in Liepaja; there are also small airdromes, for example, in Spilva, in Tukums and Ventspils, and several other military flight platforms though. Riga International Airport entered the top five rapidly growing airports in Europe last year, which lead to an increase in the number of passengers by 16.2%. Therefore, it underscores the fact that even though the airport in Liepaja will have to put a lot of time and effort to its development, it brings a great potential, which can give a significant and valuable contribution to the domestic economy of the country.Rolands Petersons privatbank

A successful start is taken after reconstruction

The airport in Liepaja did a great job - in 2015 after its reconstruction was completed. At the airport a significant drainage effort was undertaken, a new cover for the take-off track was laid, the take-off strip was reinforced, the cover of the shunting route was improved and expanded, parking places for the aircraft were renovated as well. After Liepaja Airport was certified for commercial flights for the summer season in 2016, the Latvian national airline "AirBaltic" launched regular flights between Riga and Liepaja. During the first half of that year, more than 4,780 passengers were transported along this route. The five most popular destinations for transit flights along the Liepaja route include London, Berlin, Moscow, Copenhagen, and Hamburg, which, in general, brought very good results.Rolands Petersons privatbank
Keeping in mind the processes that are still underway, it is important to mention the extensive capacity-building of the airports, environment protection in a long-term, enhancement of cooperation with other regional airports in Europe.Rolands Petersons privatbank It is not enough for Latvia to have only one high-capacity airport - we have a regional leader who can serve as an example of a successful market behavior for others.Rolands Petersons privatbank

Support strategy for attracting new aviation communities

Liepaja airport is the only example nowadays in terms of Latvian regional airports, however, I see several competitive regional airports in Latvia. To promote their development, a thorough analysis of the passengers' potential is needed, starting with linking their activities with the existing types of transport in the surrounding region, forming a support strategy to attract new aviation communities, passengers, and additional services for client groups, bearing in mind that the added value of airports is formed by airlines operating there, strategic cooperation partners and service providers.Rolands Petersons privatbank Without a doubt, it is also essential to study the ultimate goals of tourist destinations, in order to promote the growth of the travel market and ensure its positive impact on the economy.Rolands Petersons privatbank

Infrastructure for a variety multifaceted of commercial activities

The strategic objective of the regional airports is a creation of the favorable and unified conditions for the enterprises and institutions operating there, as well as to proactive procurement of a sufficient infrastructure for the development various of commercial activities. It is also necessary to develop new ways of cooperation in order to actively identify airlines that are ready to join the development of new travel destinations and to expand their market share in the airport.Rolands Petersons privatbank Apart from this, it is necessary to work on the incentive prerequisites for launching new flights.
The imperfection of the transport system can no longer be an obstacle, with the 85 million inhabitants who live in the Baltic Sea region, who can be isolated or cut off from the rest of the European Union,Rolands Petersons privatbank or may face serious travel problems. The power generated by the economy and innovation provides the Baltic Sea Region with opportunities to create a modern, forward-looking transport system that will also contribute to the creation of a socially balanced economic policy.
Posted by RozaDox on
The transport development has caused objective problems for traffic in cities around the world, including Latvia, and the reason for this is a rapid increase in the number of vehicles. Road congestion is the most urgent problem in a trip planning because it affects the total time of transportation and, therefore, costs that have a particular relevance to the logistics industry. The quality of the roads, a painful subject in the past, has a significant impact on transportation time. Without high-quality roads, it is impossible to improve the efficiency of transport, which, in the context of economic globalization, is said to be one of the main directions for the logistics development.Rolands petersons privatbank

Promises against statistics

At the end of 2017, according to the report "Global Competitiveness Index", which was annually compiled by experts from the World Economic Forum, Latvia was not ranked among the top 100 countries of the world's rating. (out of 137 countries participating in the ranking, Latvia took 107th place, and Lithuania and Estonia took the 37th and 38th places) Despite this, VAS (State Roads of Latvia) announced that, despite the increase in traffic on Latvian roads, their quality has been improved in recent years.

EU assessment - Stable 3 points.

In 2017, 65.1 million euros were spent on the development of the national roads, including 32.3 million for the summer period works, and 32.8 million for the winter period works.Rolands petersons privatbank In the same year, it was also planned to spend 37 million more, compared with the previous year. However, even these investments have not resulted in the average level of road quality in the European Union.Rolands petersons privatbank According to the latest report, the average level in the EU is estimated at 4.76 points, Latvia, compared to that has been given 3.05 points.

The state of the roads not only hinders the development of the logistics industry but also contributes to the disproportionate level and the pace of social and economic development of the regions.Rolands petersons privatbank The most remote regions of Latvia can develop tourism facilities, offer industrial premises for entrepreneurs, etc. however, if there is no road system to get to these cites, no results shall be expected.Rolands petersons privatbank

Financing is eight times less than it needs to be.

"Requests for the organization of roads," "Road quality is catastrophic" - these headlines often appear in the mass media, while road maps try to reduce the existing damage by implementation of available sources, however, there is no sign of a significant improvement, when the funding is eight times less than it is necessary.Rolands petersons privatbank At the same time, we make the mistake of struggling only with the consequences of the disease, when we need to identify the root of the problem and take the preventive measures.

One of the main problems that can be figured out now is the climate of the country, which in Latvia will not change significantly in the future, therefore, the problem will remain constant.Rolands petersons privatbank The number of vehicles will also increase, so the question is: how to increase financing, which is the most important addition to the urgent issues.Rolands petersons privatbank 130 million euros are required annually for maintenance and repair works of local and gravel roads but this amount cannot be provided only by EU funds. It is also completely unclear how the situation will look like in 2020, after the end of EU funding program.

Without the excise tax on fuel, there is no chance for survival

The fact that the change is expected in 2020, the spring of 2018 is said to be the moment to start an intensive work and stimulate actions - change existing arrangements related to the existing tax system (only a third of the tax, paid by road users, are redirected to roads).Rolands petersons privatbank The time when it was possible to pull out a part of the income from tax has passed. Furthermore, we need to increase the number of public-private partnership projects in the sphere of the road construction, although this stage requires a proper preparation.Rolands petersons privatbank

In addition to financing, other necessary support measures need to be introduced: dumping water from roads in certain areas, timely planning, more restrictive control on roads, etc.Rolands petersons privatbank
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Norman Logistics Sp.zo.o.
Rolands petersons privatbank has released a new forecasts of UAE economy. Analysing the indicators of the last 20 months, we can conclude that since August non-oil economy growth has slowed down. The seasonally adjusted purchasing managers' index - a composite indicator designed to give an overview of operating conditions in the non-oil private sector economy - dropped to 55 in August, from 55,8 in July[1].Despite slower growth, optimism among businesses in the UAE's non-oil private sector accelerated to a record high.
Rolands petersons privatbank Optimism is encouraged by the reluctance of many companies to launch new products, implement innovative marketing efforts, and opportunities to participate in Expo 2020[2].
Rolands petersons privatbank In general, the reduction was wee, and the fact that a large part of the companies has abandoned the reduction of the workforce, which, on the one hand, would help to save, is right, as companies have not lost their effectiveness. Most companies have acted exactly the opposite - they stimulated stagnant economic growth with new products, accordingly obtaining new orders as well, Rolands Petersons, member of the board of Norman Logistics Sp.zo.o.
Rolands petersons privatbank offers his thoughts on UAE economy.Another point to be emphasized is that non-oil business operators in the UAE have shown that sometimes exactly the opposite action of the usual behaviour can improve the situation. In the area of a??a??pricing policy, most private non-oil companies in the UAE, instead of raising pressure on prices, announced constant prices, furthermore, some companies reported about price reduction, which was related to advertising activities.
Rolands petersons privatbankThe rate of growth was marked overall and reflected stronger inflows of new business from neighbouring GCC countries, besides new export orders rose once again during August and September.About Norman Logistics Sp.zo.o.:A Norman Logistics Sp.zo.o.
Rolands petersons privatbankis an international logistics company based in Poland since 2016. This company operates in Europe and also in many other major logistics centres in the world. The core business is a cargo brokerage, mainly marine cargo.
Rolands petersons privatbank Norman Logistics customers is significant EU companies which his production transport throughout marine cargo. And service providers are medium or large shipping companies. The mission of Norman Logistics is convenient logistics and one-point service for the same price, individual and best quality approach.
Rolands petersons privatbank

Author: Rolands Petersons, member of the board of Norman Logistics Sp.zo.o.
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The fact that the change is expected in 2020, the spring of 2018 is said to be the moment to start an intensive work and stimulate actions - change existing arrangements related to the existing tax system (only a third of the tax, paid by road users, are redirected to roads).Rolands petersons cpm trading The time when it was possible to pull out a part of the income from tax has passed.Rolands petersons cpm trading Furthermore, we need to increase the number of public-private partnership projects in the sphere of the road construction, although this stage requires a proper preparation.Rolands petersons cpm trading
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