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Caleb Spears
Приєднався 8 лип 2023
$140,000,000+ in career sales💰| Featured in WSJ, Mansion Global, Yahoo Finance & More📰🎙️
I’m a husband, father, and successful luxury real estate agent in pursuit of deeper connections with God and the people around me. Hopefully my journey can help others along the way ❤️🙏🏼🙂
I’m a husband, father, and successful luxury real estate agent in pursuit of deeper connections with God and the people around me. Hopefully my journey can help others along the way ❤️🙏🏼🙂
HUGE RATE CUT | RATES PLUMMET📉 #investment #realestate #economy
Interest rate plummets and what that means for the real estate housing market and economy
Переглядів: 13
Відео
The British Are Coming?!😦Why? #independenceday #independence #america #american #history
Переглядів 82 місяці тому
#independenceday #independence #america #georgewashington #samadams #revolution
Luxury Vacation Beach House | 110 Michaela Ln
Переглядів 244 місяці тому
Luxury Vacation Beach House | 110 Michaela Ln
Luxury Beach Home Full Walkthrough
Переглядів 4,6 тис.7 місяців тому
Luxury Beach Home Full Walkthrough
Full luxury condo walkthrough | Sanctuary By The Sea #2110
Переглядів 457 місяців тому
Full luxury condo walkthrough | Sanctuary By The Sea #2110
That's a long walk
It takes about 2 min in person! It's 3.6 acres of private beach once you get down there, though. That's very rare in our area, there can be 3-6 rows of people on a public beach in the Summer here. Bannerman's beach stays empty year-round due to the extreme seclusion and privacy.
It isn’t really a house i would buy for 1,367m around 500k but not in the millions as this house doesn’t have a lot.
Location location location! 😜 it’s located in an area with $20m+ houses so it’s actually on the low end of the pricing spectrum here. There are some houses for $500k but they’re usually DR Horton track home type builds
I think they did a great job for the space they were given. That said the space they were given was extra long and on the narrow side.
Yes our lots here are on the smaller side so sometimes we have to make due with what we have on floor plans
The wealthy understand that there’s a lot of tools in the toolbox when it comes to financing a purchase! Here are a few of the ones I see leveraged most often by the wealthy: 1. DSCR loans -DSCR stands for Debt Service Coverage Ratio, and it’s a favorite among investors and business owners who don’t have a traditional W-2 style tax return. Conventional loans want your tax returns and debt to income ratios to fit inside a nice, neat box, if yours don’t then DSCR loans are here to fix that problem! These creative loans are based around the property’s ability to generate income & offset its costs, and the more capable a property is as a rental home, the higher your loan amount can be. 2. ARMs -ARMs, or Adjustable Rate Mortgages, are a great way to keep your carrying cost low during the current high interest rate climate. The basic principle of an ARM is that your interest rate is fixed at a low rate, such as 5.75% instead of today’s averages of 7-8% interest rates, for a certain period of time (generally 5, 7, or 10 years). After this introductory period, then your rate can float (or “adjust”) up based on what the current interest rate climate is doing. These loans are usually for 20 or 30 year terms, but most savvy buyers use them to keep their interest rate low with the intention of refinancing or selling their property before the introductory period rate lock expires and their rate becomes adjustable. Smart buyers refinance once rates go down while avoiding the fray as that rate drops cause as competition/demand for houses goes up. 3. Interest only loans -an interest only loan is exactly what it sounds like, your monthly mortgage is based off paying only the interest and not paying down your principle. Similar to an ARM, these are generally 30 year fixed loans, but you pay only the interest for the introductory period, usually 5 or 10 years. This can greatly reduce your monthly carry cost AND greatly increase your cash flow on an investment property, these are especially useful if you plan on holding your investment less than 10 years.
Everything you have said is utter and complete nonsense. We are all now dumber for having listened to this, may your god have mercy on your soul.
😂
🙂
Amen 🙏
🙂🙏🏼🔥🙌🏻
Keep running brother. And leep your eyes on the prizs. Now, you can go ahead and do the right thing by taking that button and Rack me I'm first 😅
🙏🏼🙂
Praise Jesus ❤
Amen 🙏🏼🙌🏻
The trail looks like a good place for a snake.
I’ve yet to see one, but I have seen deer wondering around on it 🦌
I don't care for it ,bc it doesn't have Any land to do anything money wise , and its in the wrong place ,a home like that needs some Land atlease 2 acres .❤ Ty for sharing love.😊
I do love a property with a lot of acreage! I definitely gravitate towards that myself. I’ve always enjoyed having some room for me and my kids to run around and play.
Ever wonder why God gave us two ears 👂 but only one mouth? Because we should listen twice as much as we speak! Listening is a super power that unlocks people’s thoughts & opinions and is also the fastest way to gain favor. I’m always shocked at how good I feel after a conversation with a good listener, and I want to make people feel that way, too. “Understand this, my beloved brothers and sisters. Let everyone be quick to hear [be a careful, thoughtful listener], slow to speak [a speaker of carefully chosen words and], slow to anger [patient, reflective, forgiving];”
Who else has been drained by these kind of folks?!🙋🏻♂️ It can be so tiring trying to please people when we don’t realize that they don’t have our best interest at heart. Unfortunately many people in life pursue their own selfish interests above all else and are happy to tear you down if they perceive your success as a threat to their own success. Find the people who speak truth IN LOVE to you❤️ you need those people in your corner. Root out the culture weeds or else they’ll choke the life out of you and your business! “If I speak with the tongues of men and of angels, but have not love [for others growing out of God’s love for me], then I have become only a noisy gong or a clanging cymbal [just an annoying distraction]. And if I have the gift of prophecy [and speak a new message from God to the people], and understand all mysteries, and [possess] all knowledge; and if I have all [sufficient] faith so that I can remove mountains, but do not have love [reaching out to others], I am nothing.”