3 Reasons Buying a House Is Easier Than You Think!
Alyssa Gross • November 27, 2019
1. You DON’T need that 20% down that you always thought you had to have.
You can buy a house with 0% down with the right programs, grants, and lenders. Key bank, as part of their community service, offers this to first time home buyers. With other loans, you can put down as little as 3%. Of course, the more you can bring to the table at closing, the better your offer will look, and your rates will be lower, too. But we all know in this day and age it’s really, really hard to get 20% saved up with all the daily expenses and rent that we face here in Denver. The 20% is attainable, but not necessary to buy a house.
2. Your credit DOESN’T have to be perfect!
You can get mortgage loans with any credit score. 620 gets you a pretty good rate, 720 gets you even better. It never hurts to work on your credit, so never stop doing that, but know that you don’t have to have the best credit ever. Average credit is accepted, even though it may not get you as good of a rate from lenders as that 720 or 800 would, it still doesn’t keep you from buying a home! In our office, we have people here that are willing to help, and we have amazing connections, so please don’t be afraid to reach out to us if you want to start the process!
3. There are First Time Home Buyer programs that ACTUALLY work!
You can and should shop around for the best fitting home buyer program. There are multiple options, ones that offer grants to the first-time home buyer that don’t require you to pay them back! Some programs have stipulations on the types of properties you’re able to purchase and how long you’ll have to live there, but with all the different options, this is another great road to go down. We have information about these programs too, so again, don’t be afraid to reach out.
Buying a house has become an ‘unattainable’ dream for plenty of millennials and later generations, but that’s due to a lack of education about how to actually buy a house. It’s not as hard as you’d think, it’s all about getting in there, seeing what you qualify for, and biting the bullet to do it. Call us today for advice and guidance!
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In a world of financial uncertainty and volatile markets, real estate remains one of the most stable and rewarding investment options available. While no investment is without risk, real estate offers a unique blend of predictability, tangible value, and long-term financial growth. Whether you're a seasoned investor or just beginning your financial journey, here’s why real estate should be on your radar. 1. Tangible Asset with Intrinsic Value Unlike stocks or cryptocurrencies, real estate is a physical asset. You can see it, touch it, and leverage it in different ways. A property will always have intrinsic value due to the land it sits on and the structure itself. Even during economic downturns, real estate retains value better than many other assets. 2. Steady Cash Flow Through Rental Income One of the most attractive features of real estate investment is the potential for consistent cash flow. Rental properties generate monthly income that can help cover your mortgage, property taxes, maintenance, and still leave profit. Over time, as rental rates increase and mortgages are paid down, that cash flow becomes increasingly profitable. 3. Appreciation Over Time Historically, real estate has appreciated in value. While markets fluctuate, the long-term trend is upward. Strategic investments in growing areas can yield significant returns, especially when paired with property improvements or redevelopment. This appreciation boosts your net worth and can be a key part of building generational wealth. 4. Leverage to Increase Investment Power Real estate allows investors to use leverage—borrowing money to purchase property. With a relatively small down payment, you can own a much larger asset, which increases your potential return on investment. As your equity in the property grows, you can refinance or reinvest in additional properties. 5. Tax Advantages Investing in real estate offers various tax benefits. These include deductions for mortgage interest, property taxes, operating expenses, depreciation, and even repairs. Many investors also benefit from deferred taxes through 1031 exchanges when selling one property and buying another. 6. Diversification and Stability Adding real estate to your investment portfolio diversifies your holdings, reducing risk. Real estate often behaves differently than stocks or bonds, providing a buffer during market volatility. This stability makes it an attractive choice for conservative and aggressive investors alike. 7. Inflation Hedge Real estate acts as a natural hedge against inflation. As the cost of living rises, so do rents and property values. This means your investment keeps pace with, or even outpaces, inflation—protecting your purchasing power over time. 8. Control and Customization Unlike most investments, real estate offers a high degree of control. You choose the property, the financing, the tenants, and how to manage and improve the asset. This hands-on approach lets you directly impact your investment's performance. Real estate investing is not a get-rich-quick scheme—but it is a powerful, time-tested strategy for building wealth. With proper planning, research, and financial management, real estate can offer steady income, long-term appreciation, and the peace of mind that comes from owning a tangible, valuable asset. Whether you’re looking to supplement your income, plan for retirement, or leave a legacy, real estate deserves a place in your investment portfolio.
If you're looking for a smart place to put your money in 2025, Denver should be at the top of your list. With a growing economy, strong housing demand, and shifting market dynamics, the Mile High City offers real estate investors a compelling mix of opportunity and stability. 🌟 Why Denver Is a Prime Investment Destination 1. Thriving Economy and Job Growth Denver is home to a booming job market fueled by industries like tech, healthcare, aerospace, and renewable energy. Major companies and startups alike are calling the city home, creating a strong employment base that supports long-term housing demand. With unemployment low and wages on the rise, more people are moving to Denver — and they need places to live. 2. Population Growth Driving Demand Denver continues to attract transplants from across the country looking for a high quality of life, outdoor access, and urban convenience. This influx of new residents creates ongoing demand for both rentals and home purchases, making the city a solid choice for buy-and-hold investors and house flippers alike. 3. Diverse Neighborhoods for Every Investment Strategy Whether you're eyeing a trendy condo in RiNo, a single-family home in Washington Park, or a multi-unit property in Capitol Hill, Denver has a wide variety of real estate options. This diversity allows investors to tailor their strategies based on risk tolerance and budget. 📈 Why 2025 Is a Smart Time to Invest in Denver 1. Rising Inventory Offers New Opportunities After years of tight inventory, Denver’s housing market is seeing a welcome increase in available homes. This means more choices for investors and potentially less competition — especially for those ready to act quickly and strategically. 2. Price Growth Is Stabilizing While Denver experienced rapid home price appreciation in recent years, 2025 is seeing more balanced growth. Prices are stabilizing, giving investors a chance to enter the market without overpaying — and potentially ride the next wave of appreciation. 3. Strong Rental Market With high mortgage rates pricing some would-be homeowners out of the market, Denver’s rental market remains red-hot. Vacancy rates are low, and rental prices are strong, making this a great time to invest in income-producing properties. 💡 Tips for Real Estate Investors in Denver Know the Neighborhoods: Each Denver neighborhood has its own vibe and price point. Get to know local trends to find areas with the best ROI potential. Stay Informed: Keep an eye on zoning changes, public transportation plans, and infrastructure projects that could impact property values. Think Long-Term: Denver’s fundamentals make it a strong long-term play. Even if short-term appreciation slows, rental income and population growth remain solid bets. With its dynamic economy, growing population, and favorable real estate conditions, Denver is one of the top U.S. cities to invest in right now . Whether you’re a first-time investor or looking to expand your portfolio, 2025 presents a unique window of opportunity in the Mile High City. Ready to make a move? Give our Broker and Property Manager, Eugene, a call at 720.421.2509.
As the days get longer and temperatures start to rise, spring is the perfect time to give your rental properties a much-needed refresh. After a long winter, a thorough inspection and maintenance routine not only keeps your property in top shape but also helps prevent costly repairs down the line. Whether you're a seasoned landlord or managing your first rental, here’s a spring maintenance checklist to help keep your investment—and your tenants—happy. Masters Real Estate does regular property inspections to ensure all of these items are taken care of in order to protect our clients investments. ✅ 1. Inspect the Roof and Gutters Winter can be harsh on roofing materials. Look for missing shingles, signs of leaks, or storm damage. Don’t forget to clean out gutters and downspouts to ensure proper drainage and prevent water damage. ✅ 2. Service the HVAC System Before temperatures soar, schedule a professional HVAC inspection and tune-up. Change air filters and check for any issues that could affect performance or energy efficiency—this keeps your tenants comfortable and reduces utility complaints. ✅ 3. Test Smoke and Carbon Monoxide Detectors Safety first! Spring is a good reminder to test and replace batteries in smoke and carbon monoxide detectors. It’s a small step that can save lives and protect your property. ✅ 4. Check for Pest Issues Rising temperatures mean increased pest activity. Look for signs of rodents, termites, or ants—especially in basements, attics, and around the foundation. Consider scheduling a pest control service as a preventative measure. ✅ 5. Inspect Windows and Doors Examine seals, caulking, and weather stripping. Not only can worn-out seals drive up heating and cooling costs, but they also make the property less secure and more susceptible to moisture damage. ✅ 6. Spruce Up Landscaping Trim overgrown shrubs, remove fallen branches, and refresh mulch beds. Not only does this boost curb appeal, but it also helps prevent issues like foundation damage from overgrown roots or clogged drains. ✅ 7. Examine Exterior Paint and Siding Take a walk around the property and look for chipped paint, cracked siding, or areas showing wear. Spring is a great time for touch-ups that keep your property looking well-maintained and attractive to current and prospective tenants. ✅ 8. Check Walkways and Driveways Inspect for cracks or uneven areas that could become tripping hazards. Repairs now can prevent bigger problems later, especially if water seeps in and freezes again next winter. ✅ 9. Clean Out Dryer Vents Lint buildup in dryer vents is a major fire hazard. Ensure vents are clean and functioning properly—it’s a quick job that protects both the property and your tenants. ✅ 10. Aerate the Lawns Lawn aeration is a crucial lawn care practice of creating small holes in the soil to improve air, water, and nutrient penetration. This helps to alleviate soil compaction, promote healthier root growth, and reduce thatch buildup. An ideal time to aerate is in the Spring before you turn on the sprinklers. Spring maintenance is all about being proactive. By staying ahead of repairs and keeping your rental property in great shape, you protect your investment and create a safe, comfortable environment for your tenants. Keep this checklist handy and make spring your most productive season yet! Don't have time to manage your rental property? Masters Real Estate can help! Learn more about our services and get a free rental analysis.
