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Happy 2016!
We hope you are excited about a brand New Year. Bundle up and stay warm as we look ahead to spring. Every year we remind you that the spring market for real estate in Minnesota begins by the end of February. Also wanted to take a moment to address some changes that may affect you as a homeowner, buyer or seller in 2016.
First, after months of speculation, the Fed did raise its Federal Funds rate .25% in mid-December. CNBC has an article which details what that may mean for you, if you're planning to buy a home in the beginning of 2016. You may also take comfort in this statement from the article: "An increase from the current 4 percent on the 30-year fixed to 4.25 percent on a loans ranging from $200,000 to $300,000 would amount to less than the average borrower probably spends at Starbucks every month."
Second, homeowners who have a Home Equity Line of Credit (HELOC) with a variable interest rate will likely see a payment increase beginning this month. That's because HELOCs with variable interest rates are tied to the Federal Funds Rate. The rate on your HELOC may also rise again, if the Fed raises rates again in the coming months, which many people expect.
To that end, if you are in a variable rate HELOC, you may want to talk to a lender about your options for refinancing into something with a fixed rate. If you need a referral to a reputable lender or broker, please give us a call.
Looking forward to helping you buy or sell a home in 2016!! Call, text or email!
Warmest regards,
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Getting The Best From a Real Estate Investment
 The Chartered Financial Analyst (CFA) Institute categorizes real estate as an alternative investment that includes residential and commercial properties as well as mortgage-based securities and real estate investment trusts. For most real estate investors, these investments are characterized as income-generating properties that see revenue from rent earned and capital appreciation from the increase in market value. Since this investment vehicle depends on the net operating income (NOI), maximizing cash flow is key to a successful real estate investment. Property Valuation
To fully understand the importance of cash flow to real estate investment, it is necessary to know that the value of the property is directly linked to the NOI. Unlike residential homes that get their value from comparable sales, income-generating real estate value is calculated as the annual NOI multiplied by an industry standard rate of return, called the capitalization rate. For instance, if the property has an annual NOI of $100,000 and a 10 percent capitalization rate, then the property would be valued at one million dollars. Since NOI is calculated after expenses and both property value and return on investment are depended on NOI, it is important to maximize income and minimize expense.
The Risk/Return Profile
Commercial real estate increases in value based on two components. The first is capital appreciation from the increase in the surrounding market. As a neighborhood becomes nicer and properties sell at higher prices, the value of the commercial asset increases. There is very little that an investor can do to mitigate the risk of market increase or decrease.
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537 Star Lane South, Saint Paul, MN $267,500
Terrific 4BR 3BA 2CAR on private Cul-de-sac. All BR's on One Level with Priv Owner's BA, 2nd full BA and Walk-in Cedar closet. Expansive Eat-in kitchen. Center Island, full under cab lighting, Cook top/Wall oven. An abundance of Cherry Stained Cabinetry! Formal DR, Built-in buffet/Cabinetry adjoin Library w/two full walls of shelving/desk area and W/O to Deck/Yard. Spacious Living Rm & Music Rm has Brick FP and serene views to Yard/Fields. W/O Amusement Rm, Laundry, 3rd BA on third level. NICE!
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Burnsville 4BR 3BA
Richfield Rambler 3BR 2BA
Elko Two Story
Apple Valley Two Story
St Bonifacius 4 Level
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Top Interior Design Trends For 2016
 Getting the itch to redo your house? Truth: We have it all year round. But, there's something about the ushering in of a new year and the literal renewal it brings that makes the idea of a fresh look even more inviting. Check out a few of the interior design trends for 2016 for some more inspiration and a little direction.
French Country
For some, this French country design motif never went out of style. But the influence of shows like HGTV's popular "Fixer Upper" have brought it to the forefront. Waxed and weathered paint on furniture, shiplap treatments, and accessories bearing the show's signature style are everywhere, and being assumed into all types of interiors to create a rich, eclectic look.
Pastel Colors
If you've heard about Pantone's dual Colors of the Year for 2016-the baby pink Rose Quartz and the baby blue Serenity-you know that pastels are hot for the coming year. It's going to be showing up everywhere from wall color to upholstery to accessories, so pick your pastel poison and go for it! The "Glamily" Room Who says your family gathering space has to be sedate? It's time to up the ante.
"What's an immaculate aesthete to do with a dog around - or a Doritos-loving tween? Let her living room go? Hardly! Turn to hardworking-yet-fabulous fabrics paired with sexy silhouettes," said House Beautiful. Metal Mania Metals have been hot for several years, with everything from silver to gold to pewter to copper to rose gold having its moment. The trend for 2016 is a metal mix and match. "Platinum, gold, copper, steel - as long as they've got metallic sheen, they go together in our book," said House Beautiful. "It's bling like you've never seen before." Pretty Pendants Lighting trends continue to move away from chandeliers, embracing pendants in all shapes, sizes, materials, and price points. "Pendant lighting is the one design element that gives permission to invite drama, glam, and interest," said A Light Reflection. For 2016, expect to see an even wider range of options using glass, metals, and painted finishes.
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