Rick Tobin

Rick Tobin has worked in the real estate, financial, investment, and education fields for the past 30+ years. He’s held eight (8) different real estate, securities, and mortgage brokerage licenses to date and is a graduate of the University of Southern California. He provides creative residential and commercial mortgage solutions for clients across the nation. He’s also written college textbooks and real estate licensing courses in most states for the two largest real estate publishers in the nation; the oldest real estate school in California; and the first online real estate school in California. Please visit his website at Realloans.com for financing options and his real estate investment group at So-Cal Real Estate Investors for more details.
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The Madness of March 2023
April 05, 2023
The “March Madness” phrase has taken on a whole new meaning within just the first few weeks of March 2023 besides just the best college basketball tournament around. The turmoil and chaos that we saw in the financial markets was a bit reminiscent of the Bank Panic of 1907 when trusts like Knickerbocker collapsed; the …
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Hyperinflation and Real Estate
March 23, 2022
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Are Commercial Loans Easier To Fund Than Residential Loans?
March 26, 2020
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 …
Are Commercial Loans Easier To Fund Than Residential Loans? Read More »
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The “Frozen” Real Estate Securities Markets
March 26, 2020
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 …
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Billions Of Commercial Loans Are Ballooning In 2013
March 26, 2020
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. …
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The Ongoing Credit Crisis Continues
March 26, 2020
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 …
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A High Percentage Of All Cash Buyers In Recent Times
March 26, 2020
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 …
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The Financial And Asset Bubble Leads To Booming Real Estate Prices
March 26, 2020
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 …
The Financial And Asset Bubble Leads To Booming Real Estate Prices Read More »
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Real Estate Investing Formulas For Success
March 26, 2020
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 …
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The Student Loan & Credit Bubble
March 26, 2020
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 …