Many people dream of investing in real estate, but it is a difficult dream to achieve without investment property loans.  California real estate is quite expensive; in order to buy investment property, you must have a lot of money.  If you don’t, your only choice is to borrow a lot.  Many loans are risky and can land you in financial trouble if things don’t go exactly as planned.  Investment property loans are a safe choice if you already own at least one real estate property.  Of course, there are also other pros of an investment property loan with North Coast Financial.

Investment Property Loans are a Type of Hard Money Loan

A hard money loan is a short-term loan that uses a piece of real estate as collateral.  When you secure a hard money loan with a piece of real estate that is your primary residence, you can borrow up to 80 percent of the value of the property.  And, you can use this loan to buy another property to use as an investment. If you already own an investment property and want to use it to secure an investment property loan, the maximum you can borrow is about two thirds of the property’s value.  Otherwise, an investment property loan is just like any other hard money loan.

Investment Property Loans Are Quick and Convenient

The most desirable investment properties do not stay on the market for very long.  An investment property loan can give you quick access to the cash you need to take advantage of an opportunity to invest.  You can also use investment property loans to save your investment property from foreclosure.

An investment property loan is very much like any other hard money loan.  The main difference is that it is especially for investment properties.

Passive income sounds like the perfect life but many people make one wrong assumption about this form of income that often costs them their life’s savings: the myth that once you set up the asset, you don’t have to do anything else to earn except wait for the money to flow in. It doesn’t always work this way because eventually you will have to work to keep the income stable and constant, if not increasing steadily over time.

For passive income to work and remain a viable project, one has to put in some effort and time, plus the initial cost, whether it be the actual funding for the project or the training to avoid messy and costly mistakes. Here are five highly recommended Udemy courses that will teach and train you on the art of successful passive income endeavors.

Creating Passive Income Online – My Strategy by Juri Fab

With over 7,800 students, 28-year-old Juri Fab offers nine different courses on Udemy as a specialist of affiliate marketing, one of the most popular forms of passive income. This course requires you to have a computer and Internet access. It is for beginners to learn the basics of passive income as it focuses on earning that first dollar and the different types of passive income, supplemented by personal examples of Juri.

Although you can learn similar information on your own, it will take you much longer to compile the same amount in 30 minutes, which is the length of this certificate course. Plus, you might get distracted by the huge amount of false information online.

Passive Income Streams for Busy Entrepreneurs by Kenz Soliman

Kenz Soliman is a bestselling Udemy teacher, wife, mother and online empire builder. She has had more than 20,000 students in her classes and in early 2017, she launched her own online academy for bloggers and entrepreneurs.

This course is perfect for those who want to start earning passive income but have no idea where to start and what to avoid. In addition, you get to ask as many questions as you want and learn two effective ways to start your passive income business in any niche in under one hour. Kenz also includes a lifetime access to help you over rough patches, as well as a Certificate of Completion.

You will enjoy the no-nonsense style that covers the basics in only 60 minutes. The author has other classes that you can attend to further enhance your passive income education and training.

How to Generate Passive Income with No Initial Funds by Bryan Guerra

Bryan Guerra is an ecommerce specialist who also dabbles in passive income. His strategy requires no huge capital funding. In fact, to start earning, all you need is to join this course. He will show you how to start simple – with a blog – and how to monetize it so it will earn for you for many years.

Start an Amazon Business that Generates Passive Income by John Harris

John Harris is a credit repair specialist with a keen financial background. Using Amazon, he can show you how you can earn passive income in this three-hour course. The only requirement is basic knowledge of Microsoft Word.

According to Harris, information will be your product and it will be valuable enough that you will never be at a loss for customers – and you will be paid promptly and in cash. You will need to spend to start earning because part of his formula is setting up an online presence and building your manuscript.

You will need to put in a lot of effort initially but the long-term passive income is huge, according to Harris. To find out more, you will have to join his course.

Teach Online: How to Create In-Demand Online Courses by Debbie LaChusa

Everyone’s an expert and if you can tap into your field of expertise and create an online course, you can comfortably start earning passive income for the rest of your life. This is what Debbie LaChusa believes, the founder of The Business Stylist, who has over 30 years of experience running a business and is willing to share her practical business experiences and lessons.

Debbie will show you the easy way to get started creating your unique online course, as well as how to brand and market it, and keep it real and viable.

She highly recommends that you have a video camera and editing software before taking this 3.5-hour course. This course is highly recommended for busy experts and professionals because the information given is detailed but given in simple lesson chunks so there’s no information overload.

You can get a great deal on all these courses with a promo code from Check it out today and start earning your first thousand dollars with passive income!

For those that keep up with the financial markets, cryptocurrencies are on the rise and are set to compete with the centralized banking systems that currently run the world marketplace. Bitcoin was the first successful cryptocurrency invented in 2009 and has since exploded in both popularity and exchange rate to the US dollar. Due to this spike in use, it is harder to gain a profit from mining bitcoin (BTC) or being part of their blockchain than it was before. So then, what is Ethereum (ETH)? This is a new currency, with more advantages and lower barriers to entry in turning a profit on mining ETH, along with flexibility not seen in BTC.

How it works

In a traditional physical currency system, a central agency validates the integrity of a transaction and keeps a record in their ledger. In an e-coin currency, the ledger is maintained on a giant network of peer-to-peer computers. Transactions are grouped into “blocks”. This ledger is verified by their computing resources generating a hash value and working until that hash matches the hash of the transaction. This takes time, power and cannot be faked. The value of the coin comes from this “proof of work” that the computer did to guess the correct hash value. Once a computer obtains the correct hash, all other computers on the network get this hash sent to them and added to their running ledger. This entire concept and process is called the “blockchain”.


Both ETH and BTC use this technology to verify transactions and release more currency into the crypto economy. There is one main difference between these two cryptocurrencies, and that is the Ethereum Virtual Machine (EVM). Typically for each cryptocurrency, you would need to create a new application for each specific use case of the coin. With the invention of the EVM, though, this technology can be migrated to any new application, making it much more portable and easy to use.

ETH also introduces the concept of smart contracts. Smart contracts are very similar to physical contracts in that they bind two or more people into an agreement, typically with the exchange of currency involved, and the contract is executed when all requirements are met. The difference is that with a smart contract, this is simply a piece of code. In other words, they execute or reject automatically when all conditions are met. Smart contracts are analogous to autonomous agents in that they don’t need a human overseeing this contract. Furthermore, these contracts are replicated throughout many peers in the chain, ensuring that any smart contract drafted will not be lost. The code that runs this contract is automatically executed as soon as conditions are met, which is much faster than whenever a human can get around to reviewing the contract and deeming it worthy of execution or rejection. Finally, there is no way human error can disrupt this contract process unless it was present in the original drafting of the contract.


There is always the risk of human error interfering with any cryptocurrency. If your wallet data is not secure, a hacker can easily drain you of your currency instantly, while being verified as a valid transaction through the chain. Keep in mind best security practices, as always, when conducting ETH transactions.

ETH introduces a more flexible approach to electronic currencies built on the same infrastructure as currencies that came before it. Keep an eye on this technology as it continues to grow in the global marketplace.


Everyone knows that property is one of the best investments you can make. Bought properly, they’ll hold their value, provide a passive income, and form a significant part of your portfolio. However, the key term in the last sentence is ‘bought properly.’ If investing in real estate was easy, then everyone would be doing it. To make sure you get the best return on your investment, you need to be following some set guidelines, which we’ve helpfully put together below.  

Quality of Location

Of course, the location of your property will be the biggest factor as to its potential return on investment. However, it’s not just about the city or region; an investment in one area of London might be an astute idea, whereas an investment in another area might be considered foolish. When you’re thinking about location, think about all the aspects: the city, the area, the street, the position of the street, or the floor that the apartment is on. A home that faces west will attract higher prices than an east facing home, for instance.  

Demographic of Population

If your plan is to one day sell your property for more money than you paid for it, then you’re going to need, well, someone to buy your property. As such, it’s important that you take a look at the demographics of the people who live in the neighbourhood you’re considering investing in. If this is one of those ‘getting on the property ladder’ places, then there’s going to be a ceiling to how much people are willing to pay. However, if it’s in a trendy area where people have always liked to live, then it might be a good investment.

Future Opportunities

One mistake many first-time real estate investors make is only looking at the state of the house location as it stands now. You’re not going to be selling the property anytime soon, so what’s happening now doesn’t really matter, at least regarding your potential profits. Consequently, it’ll be imperative that you take a look at any known changes that’ll be happening shortly. If you’ve bought a house in a beautiful area, but they plan to build an airport there within ten years, then your investment will be dead. On the other hand, if you’re buying in a regeneration area then the future economic boost will only do good things for your investment. In short: see what’s up ahead before buying.

Nearby Amenities

With that being said, it’s not always critical that you follow the trendy neighbourhoods or plans. Some places will always have value, especially if they’re located in historic neighbourhoods or near to naturally beautiful areas. That’s not to say that they’ll automatically make for a good investment, but that sometimes ‘plans’ don’t count for everything. The value of a luxury mountain property, for instance, probably isn’t dependent on a shopping mall popping up.

New Property or Existing Structure?

When it comes to which kind of property to invest in, it’s usually a toss up between a new property or an existing structure. While we’d like to be able to tell you which one should be considered a wiser purchase, the truth is that they both have their qualities, and it depends on where it is, type of house, and how much it is. You’ll have plenty of people lining up to tell you that existing buildings are the only way to go, but there’s a line just as long to tell you the opposite. As such, it’s important to calculate the cost (especially when it comes to new builds), it’s location, and when you plan on selling the property.

Analysing Your Ambitions

You can’t know where to invest your cash until you know where it is you want to go. If you’re planning on renting your property out, then you’ll need to think about the rental market in the place where you’re thinking of buying. Beyond that, you’ll need to keep in mind how many years you’re planning on keeping the property. Are you going to buy it and flip it, or is this a property you’ll one day pass down to your children? Think about what you want from the investment: it’ll help narrow your focus.

For Your Children

Talking about passing your property onto your children, you’ll need to think about how the property will affect them. For instance, some countries have a high inheritance tax, which your children will have to pay. To avoid this, look at buying a property in a country where there are no additional costs, such as Singapore. If you have an HDB flat, you’ll be able to rent it out and then, eventually, pass on to your children without penalty. You won’t just be buying a property for your own security, but also your children’s!

The Support Network

It can take a lot of work to keep a property up and running. If you don’t, you might find that your investment is rotting away, purely because of neglect. If you don’t have the time yourself to make sure everything’s in order, then you’ll need to find other ways to keep your property in pristine condition. You could rope in friends and family, for example. Or, if you’re planning to rent out the property, you could find a property manager to take care of all the legwork for you.

Trusting the Sellers

You’re buying a property, but that’s not really where the value of the “house” is. If you had a seven-bedroom mansion in the middle of a desert, it’d be worthless, because there wouldn’t be any infrastructure to make it livable. You might find a great property that has bags of potential, but you should only invest if it’s a potential that you can see, not what the seller is telling you. If there are plans to build a new subway station near to your house, which would improve the public transport links and thus increase the value, then you’ll need to do your own research to ensure those plans are going ahead. Don’t take the seller’s word for it!

What does your Financial Advisor Think?

No-one can be completely sure if a property investment is going to be the right move for you or not, but there are some people out there that can make it easier to make an informed decision. One of these people will be your financial advisor. Before you invest in a property, you should be speaking to him or her to ensure that it’s the correct thing to do from a financial point of view. They might spot something important in your portfolio that would make investing in real estate a mistake, for instance.

Looking at the Risk

And following on from that, it’s crucial that you take a look at every eventuality before deciding to proceed with your investment. There will be risks everywhere; it’ll be up to you to determine if they are small or big risks, and then make a calculated decision. There will always be risks attached to buying a piece of real estate as an investment, but if you do your due diligence, then you will be in a strong position to ensure your investment isn’t a mistake.

Energy – Time

Finally, remember that it takes a lot of hard to work a property profitable. You might need to bide your time before you’re able to make a profit. You’ll need to think in the long term and be willing to put in the effort before proceeding, as it’s going to be a long journey.

Typically, business owners start advertising their companies online because they realize that doing so can increase their sales. Once you’ve drawn this conclusion, your next step is figuring out which types of conversion optimization strategies you should implement to improve your online sales. Luckily, there are hundreds of them. Here are several that you might find particularly useful:

1. Cultivate A Stellar Blog.

Blogging is an effective conversion optimization strategy for several reasons. One of them is that blogging empowers the business owner to communicate with the target audience in a casual yet meaningful manner that can promote authentic connection and community. Another big benefit of cultivating a stellar blog is that doing so can enhance the brand recognition process by ensuring that your audience is continually coming across new, valuable information that pertains to your company. By enhancing the brand recognition process in this way, you increase the likelihood that your prospects will make purchases from you.

Note that there are several strategies you can deploy to ensure that you develop and maintain a high quality blog. One of them is content optimization. The better your content is, the more likely people are to read it and return to your blog in order to see when a new post has been published. One simple strategy you can implement to take your content from ordinary to impressive is making it easy for readers to quickly scan through it and locate the information they need. You can accomplish this objective through the use of textual elements such as meaningful subheaders, bulleted lists, and discussing just one idea or topic per paragraph. Also note that using the inverted pyramid style of writing can make your content more scannable. This style of writing involves stating your conclusion at the beginning of your piece.

2. Obtain Great Shopping Cart Software.

In addition to cultivating a stellar blog, make sure that you obtain great shopping cart software. This software will help your shoppers select the things they want and put them in a virtual cart until they’re ready to check out. You can obtain this type of software from a variety of online retailers. Before you purchase software from anyone, take the time to do background research. This step will ensure that you’re attaining the highest quality software available. One resource you may be able to use for the purpose of determining whether a retailer is reputable is the Better Business Bureau (BBB). You can access their website at

3. Utilize Niche Advertising Services.

This strategy is an incredibly effective conversion optimization tool because it ensures that the digital professionals you’re working with have extensive experience in your specific sector. Let’s say that you’ve been working in the real estate sector for a decade and want to expand your business to include the marketing of luxury homes. Rather than just working with any digital company, it would be a good idea to locate a team of industry experts who have extensive experience putting together a customized luxury home marketing plan. Note that companies such as Luxmark are skilled in putting together dynamic online advertising campaigns for business owners who are ready to sell properties!

Start Using These Conversion Optimization Techniques Immediately!

Procrastination is a prototypical approach to life and work. This mode of being exists for many reasons, and one of them is fear. Another is irritation about the idea of having to consciously, consistently change one’s habits in order to attain awesome results. If you want your brand to be successful online, you need to overcome the human proclivity to procrastinate and take action immediately. Use some or all of the conversion optimization techniques outlined above to ensure that you can grow your brand!