Profile George is in his early 40’s, single with two children ages 10 and 12. He owns a condo in Alameda, has $20,000 in non-qualified investments and $50,000 in retirement accounts.
Investment Goals
George wanted to invest in real estate to grow his wealth and begin planning for retirement.
SIFF Analysis SIFF’s financial profile for George determined that he was a conservative investor with low risk tolerance and high cash flow sensitivity.
Solution
SIFF would typically recommend against investing in real estate to a client such as George because he did not meet the recommended financial guidelines. However, his SIFF Personal Financial Profile revealed that George had fully paid for his home and had little to no debt. After educating him on real estate investment strategies, SIFF helped him refinance his home and to pull out enough money for a down payment for a duplex out of state. After two years, George has seen a 60% ROI.
“Investment property is the right fit for my financial goals and I would not have known how to make intelligent purchases without SIFF’s guidance. I highly recommend them and would be happy to speak with anyone who is interested in using their services.”
-- Mark R., finance manager, San Francisco, CA
The smart alternative to investing on your own.
We offer full-service real estate investment advice. From developing an investment plan to finding property, hiring property managers, and on-going evaluation of your real estate investment portfolio. Our strategy is to look for markets with the following characteristics:
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Diversified and healthy local economy;
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Steady, not astronomical, real estate appreciation;
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A healthy gross rent-to-value ratio, so that clients can realize an attractive after-tax cash flow;
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Reasonable supply of target multi-unit properties.
We typically recommend purchasing properties in the 2-4 unit range for the best combination of appreciation and cash flow, although single family properties or larger apartment complexes will make sense for achieving client objectives.
