Owner Financing Homes is a WIN for Buyers and Sellers in Austin
by International Monetary Fund
In today’s tough market, even well-priced homes are staying listed for months. Desperate sellers continue to lower prices, but with no success. Even with affordability at an all-time high, buyers are hesitant due to the instability of the overall economy. For those who are willing to buy, getting approved for a loan can be another roadblock to overcome. It’s times like these where inventive and highly-risky options are ready to be considered.
Jonathan Osman explains why owner financing can be a win-win situation:
“Essentially, in owner financing, you, the seller, are acting as the bank for the buyer. They qualify based on your criteria, pay you a mortgage every month, and they own the house. Much like the bank, if they are late on a mortgage payment, you can foreclose based on the terms of the mortgage and when they sell it, they will pay you the balance. While it is risky and isn’t for everyone, it can be extremely profitable and an excellent source of income through the interest paid on the loan. Most people never consider why a bank would ever consider lending money to someone who couldn’t pay it back. However, all one needs to do is to pull up an amortization chart to realize the profit involved in mortgages. For an example, take a 0,000 mortgage at a 5.5 percent interest rate. In the first year, the buyer has paid the seller ,932.72 in interest and only 94.20 in principal.”
Prospective buyers are not qualifying for loans for a variety of reasons, most of which are the result of the recent tightening of the lending guidelines.
If a seller needs to sell a property and is not risk averse, owner financing may be a way for the both properties to come out ahead.
http://www.AustinOwnerFinancedHomes.com
http://www.GreatHomesTexas.com
Volatility is the standard deviation of period returns
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@yellowwitch1 You are watching this…
@rober2eduardo I wouldn’t say that, but nobody watching this would be what I consider competition…
That’s actually good!!! Less competition for THOSE who WANT TO BE QUANTS OR ARE ALREADY QUANTS!!!
why are quant finance videos so boring? is that cause nobody wants to be a quant?
Hello- I thought volatility is on annualized basis or annualized stddev. If these are daily returns, then would’nt you have to multiply it by 52 to annualize it? Let’s say, we have exactly 7 years of data on weekly basis. Will we not multiply the std dev with 52 to annualize it? I am getting the impression from this video that std dev by itself is Volatility, which is not how I understood it. Can you please elaborate on that as I will really appreciate the clarification.
damn he treated ur azz chemist lady…this is fatty from naperville woooo woooo
is there a formula for instnteneous volatility?
he doesn’t have dec-9 shown, but I assume he would take the natural logarithm of google’s close on dec 10 divided by google’s close on dec 9 … =ln(B8/B7)
How did you calculate the Compounded ROR at [C8]?
you really explain things so well!!!
Listen brain person, the word volatility is a word explained in detail in the dictionary. Amongst the usages listed there is being a measure of fluctuation, unpredictable change, etc. So if you have a problem, take it up with the scholars that keep track of what is and isn’t part of the language we speak. Please stop embarrassing yourself.
nice, many thanks, I am a chemist
Maybe it’s not clear to you, but my video is about financial volatility not chemistry. Even in finance, volatility has five (5) different definitions. One of my pet peeves is the tendency, sometimes borne of academic hubris, to assume that some words are “owned” and/or concrete. To use stable here would be utterly confusing. Only the Ego wants to confuse. Humpty Dumpty the wise egg said, the word means what I choose it to mean…
Whatever – it still meant “unstable”. Not “fluctuational”
Saying something is ‘volatile’ does not automatically infer that you are speaking about chemistry. The word existed before chemists used it.
One of my pet peeves is the way finance and business types flagrantly disregard the proper scientific definition of terms and hijack them to their own use.
“Volatilty” is simply a measure of a liquid’s readiness to boil – ie a low or a high boiling point. Or it can refer to a chemical’s readiness to react.
It has NOTHING to do with the fluctuation! The word they should have used is “Stability” not “volatility” – but ohhh noooo – that would just be too plain for the precious ponces of finance!
Nice introduction. Thanks, Kukan
very nice.. brow…
Denmark
very straightforward. Thank you very much
very very good explanation. thank you
You are really great..
High 5 bro….
Mahyar, Denmark