Rick Tobin

Rick Tobin

I have over 25 years worth of experience in the real estate and financial fields. To date, I’ve held nine (9) different real estate, securities, and mortgage brokerage licenses, and am a graduate of the University of Southern California. I also create real estate, financial, and economics courses and college textbooks for some of the best-known educational firms in the nation.

    Rick Tobin's Articles

    • Hyperinflation and Real Estate

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    • Are Commercial Loans Easier To Fund Than Residential Loans?

      Are commercial real estate loans easier to find than residential loans today? Had I asked that question back in 2007, most people would have then said “No way.” Today, many investors and brokers may have to really think about it first prior to giving an answer one way or another.Since the last real estate market peak near 2007, both the residential and commercial market sectors have sadly experienced massive price declines. In many cases, homes, retail shopping centers, land, hotels, and other types of properties have had their values cut in half or more.Commercial Investment Property & Type of LoansAs…

    • The “Frozen” Real Estate Securities Markets

      As the securitization market for mortgage loans has effectively been “frozen” for several years as I had forewarned many of my readers in various regional and national real estate publications several years in advance of the “official” start of The Credit Crisis back in 2007, we primarily have seen loans being funded which are backed by governmental bodies via Fannie Mae and Freddie Mac (both taken over by the U.S. government back in September 2008) and FHA (government insured financing).Through the 1st Quarter of 2010, government insured or backed financing represented over 96.5% of all mortgage loans nationwide. This 96.5%…

    • Billions Of Commercial Loans Are Ballooning In 2013

      The last big “real estate buying” period for both residential and commercial real estate properties nationwide was around 2007/2008. As real estate investors we should be aware that many of the existing 5 year fixed commercial loans used to finance those real estate investments may be ballooning or becoming all due and payable in 2013.Ballooning Commercial MortgagesUpwards of 4,750+ CMBS (Commercial Mortgage Backed Securities) with loan balances near $55 billion may need to be refinanced in 2013 alone. Sadly, a very high percentage of these same potentially ballooning commercial mortgages may not have sufficient income to service the existing mortgage…

    • The Ongoing Credit Crisis Continues

      The ongoing and worsening Credit Crisis continues at a rapidly escalating downward spiraling pace. The various bailout programs offered by governments and Central Banks worldwide have done absolutely nothing to help the everyday citizen on the street.These bailout programs have only worsened the financial crisis worldwide, and have adversely impacted our once capitalistic ways of life by having more and more centralized government control over our various major industries such as the automobile, airline, and health “care” industries as well as the last remaining firms on Wall Street.Fannie Mae & Freddic MacMost obviously, the banking and mortgage market systems have…

    • A High Percentage Of All Cash Buyers In Recent Times

      In Southern California, upwards of 55% of all homes purchased in 2012 may have been acquired with either all cash or FHA loans partly since the secondary markets are so restricted. A very high percentage of these home purchases were for homes priced below the conforming / FHA loan limits of $417,000.Many of these all cash buyers were investment or hedge funds, domestic and foreign. Obviously, the mortgage lending markets have tightened up significantly since 2007 with the Jumbo Mortgage market (loans above $417,000 in many regions of the U.S.) dramatically shutting down the most in recent years due to…

    • The Financial And Asset Bubble Leads To Booming Real Estate Prices

      The Financial and Asset Bubble – Since the official start of our six (6) yearlong “Credit Crisis”, we have all seen the various wide-ranging extremes of the financial and asset cycles with both busts and booms. During the past several years, our economy has experienced deflation, inflation, and potentially hyperinflation partly due to a weakening U.S. Dollar, declining job numbers and investor demand, and various financial strategies and bailouts.In spite of numerous analysts alleging that the “Sub-Prime Mortgage” implosion was the cause of the “Credit Crisis” (or near absolute implosion of the world’s financial markets), it is related more to…

    • Real Estate Investing Formulas For Success

      There are a significant number of successful real estate investing formulas which have been created over the years regarding the potential creation of real estate wealth. Here are a few real estate formulas which I have followed for many years myself. These formulas may still hold true these days during both boom and bust real estate cycles.Investing Formulas for SuccessThese real estate formulas are described by the following acronyms: “A.T.E.C.”, “L.I.D.S.”, and “F.A.T.”. All of these real estate formulas were created by my father almost forty years ago. As I have learned more about the fundamentals of real estate from…

    • The Student Loan & Credit Bubble

      I know many of you real estate investors have college bound or kids in college. Doesn’t the image of young students playing with bubbles bring back some fond memories for many people? When one thinks of bubbles and students together, a person may imagine a young child playing in a sandbox while blowing bubbles during their earliest years of Elementary School. In this same imaged situation, one may also see the bubbles eventually popping a bit too soon for the young Preschool or Elementary School student. Sadly, the same young student may then throw a tantrum because their bubbles popped…

    • Real Estate Investment: An Exceptional Inflation Hedge

      What is a better hedge against inflation than Real Estate? Do you remember when home prices were quite similar to today’s car prices? According to data released by the U.S. Census Bureau, the median priced U.S. home sold in January of 1963 was just $17,200. Ten years later in January 1973, the median U.S. home was still a quite low $29,900. Twenty years later in January 1983, the median U.S. home price increased significantly to $73,500.Thirty years after the original 1963 date, the median U.S. home price finally crossed the $100,000 threshold level as it reached $118,000 in January of…

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