How and Why Property site

Can you take out a home equity loan on your current home to put a down payment on an Investment Property?

Just wondering if I put a considerable down payment on a home and built more equity over a few years if it would be possible to take a home equity loan out to put a down payment on another home that would be used for investment purposes? A rental property/duple/apartment complex etc….

That’s how I have done, but on a much smaller scale than Donald Trump. If you have cash use that first, if you use an equity line you pay the interest.

Investment property loans charge more interest. You want to try to maintain an 80% or less debt to value on all you propeties. If you go over you will have to pay more for the loans. Try to do this for your current residence too, in case you want to refi.

Loans are getting cheaper, check with your bank. They may have a refi option that will allow you the cash you need at a better deal than an equity line.

When you buy if you do multiple deals at once you credit won’t reflect the other homes you are trying to purchase. This will make you look like a better risk to the bank. Make sure you don’t bite off more than you can chew.

Another bit of advice, don’t buy a fixer upper and plan to improve it to gain value, not on your first endeavor anyway. Time is money, buy it and rent it out as quick as you can. Expect your profit in the future value of the home. Don’t expect much/any profit from the month to month rent check. Think of it as investment, not a continual source of income.

Creative financing to sell your home

One Simple Idea: Turn Your Dreams into a Licensing Goldmine While Letting Others Do the Work $10.51 Turn your one simple idea into millions—without lifting a finger! “Mr. Key’s brilliance, wisdom, and insight will make you rich. Buy this book!” —Mark Victor Hansen, bestselling author and co-creator of the Chicken Soup for the Soul® series “Stephen Key has written a book overflowing with the all-important information that inventors need: a step-by-step guide through …

Get Your Business Funded: Creative Methods for Getting the Money You Need $11.79 Explore the many options available to get the money you need for your businessWhether your business is a new start-up, an established company attempting to grow, or somewhere in between, Get Your Business Funded gives you the full range of options for raising capital in today’s challenging economy.Covering everything from bank loans to angel investors to equity financing to more unorthodox methods…

Everything you need to know about creative home financing: New, affordable ways to buy (and sell) a home, condo, or co-op $2.99 …

Creative Inspire T6160 Home Theater Speaker System $74.99 10.24″ 40 Hz to 20 kHz 5.1 50 W 51MF4105AA002 6.30″ 7.48″ 7.72 lb Inspire T6160 Home Theater Speaker System Wired Remote Control Power Adapter Quick Start Guide Warranty/Technical Support leaflet Time to introduce realistic surround sound to your games, music and movies with the Creative Inspire T6160 5.1 Home Theater Speaker System. With classic styling and ease of use, this speaker system delivers immersive multi-channel surround sound – cutting-edge technology that is a hallmark of Creative’s renowned audio expertise. With a powerful subwoofer and five satellite speakers, you’ll get explosive bass and positional audio for more accurate gaming and engaging movies. Bass Creative Creative Technology, Ltd Inspire Inspire T6160 Home Theater Speaker System Power Power Supply REACH RoHS Speaker Speaker System T6160 Volume WEEE Yes www.creative.com

Creative EP-510 Earphone – Stereo $16.99 0.59″ 0.63 oz 20 Hz 20 kHz 32 Ohm 47.24″ 51EF0070AA004 Stylish and lightweight, the Creative EP-510 earphones comes with a ear-hook design that complements your active lifestyle perfectly. Built with a material that gives a great fit while ensuring you stay comfortable during long hours of sports activities, the EP-510 also provides impressive bass effects. Be sure not to leave home without them! Binaural Creative Creative Technology, Ltd EP-510 EP-510 Earphone Earphone Neodymium Driver Open Over-the-ear Stereo Wired www.creative.com

Creative 73VF069000000 Webcam $65.99 1 Year Limited 2 Megapixel 73VF069000000 Intel Pentium Dual-Core 1.6GHz or AMD equivalent processor Microsoft Windows 7 / Windows Vista / Windows XP (SP 2 or higher) / Mac OS X 10.5 / Linux Kernel 2.6 1 GB RAM USB 2.0 Port 500 MB Free Hard-disk Space CD/DVD-ROM Drive Live! Cam 73VF069000000 Socialize HD AF Webcam Multi-language Quick Start Guide Software Installation CD With Creative Live! Cam Socialize HD AF, you will always look sharp thanks to its auto focus capability. In addition to recording high definition videos at 720p, its wide-angle lens captures a viewing area that’s 25% larger, and is made of glass for a clearer, natural experience during online chatting. To spice up chats, bundled Live! Central 3 software lets you add avatars, filters, doodles or even morph your voice! Adding to its enhanced array of features is a built-in microphone that cancels out background noise to deliver clear speech. For photos, snap away in 10-megapixel clarity and make a home movie easily using Movie Creator before sharing it with all on YouTube and Facebook. Creative Creative Technology, Ltd Live! Cam 73VF069000000 Socialize HD AF Webcam Mac PC USB 2.0 Webcam www.creative.com

Creative A60 2.0 Speaker System $24.99 2.0 2.20 lb 3.35″ 4 W 51MF1635AA003 6.91″ 90 Hz to 20 kHz Sleek and compact, the Creative A60 speakers deliver good and reliable audio, be it for your MP3 player, notebook or PC. Ideal for office or home use, these sleek and compact speakers are especially designed to take up minimal space. Furthermore, this magnetically-shielded speaker system with two 2.75″ quality drivers prevents interference with your TV/monitor, while providing you with quality audio for all your entertainment needs. The built-in bass port also helps to enhance the bass and give your audio that extra boost! A60 A60 Speaker System Creative Creative Technology, Ltd Speaker System www.creative.com

Creative Sound Blaster Wireless for iTunes $134.99 1 Year Limited 1 lb 16 bit 48 kHz Playback 16 bit 48 kHz Record 48 kHz 70SB117000004 Sound Blaster Wireless for iTunes Installation CD Quick Start Leaflet System Requirements: Available USB port 600MB of free hard disk space CD-ROM or DVD-ROM drive Headphones or amplified speakers (available separately) Sound Blaster Wireless for iTunes upgrades your PC or Mac to a premium wireless sound system. Simply plug it into a USB port, and stream your iTunes music wirelessly to your powered speakers or home stereo system via the Sound Blaster Wireless Receiver1 – no cables or network configuration required. Enjoy your music anywhere in your home by adding Sound Blaster Wireless speakers and headphones1. Managing your wireless and playback functions is easy with intuitive software and remote control1. Plus, Creative’s award-winning X-Fi audio technology enhances your music listening experience. Wireless Transmission: Up to 30m @ RF 2.4GHz Creative Creative Technology, Ltd Headphone Jack Audio Line Out Internal Mac Microphone In Audio Line In PC REACH RoHS Sound Blaster Sound Blaster Wireless for iTunes Sound Board USB WEEE Yes www.creative.com

Creative VF0420 Live! Cam Vista IM Webcam $21.99 2 Year Limited Hardware 30 fps 640 x 480 73VF042000000 800 x 600 Intel Pentium 4 1.8GHz or equivalent processor Microsoft Windows XP SP2 / Windows Vista 256MB RAM 100MB free disk space CD-ROM and USB 1.1 port VF0420 Live! Cam Vista IM Webcam Quick Start Guide Installation CD-ROM Creative Live! Cam Center Lite Creative Live! Cam Manager Creative Live! Cam Console Creative Photo Manager 2 muveeNow SightSpeed Multi-Language User’s Guide With the Creative Live! Cam Vista IM you’ll find it easy to enjoy internet chatting and online phone calls. It’s easy to install via USB and has a built-in microphone, so you can start to chat on line in moments! It can also capture still images and video clips which you can share with friends. The sleek, compact design looks great anywhere around the home and can fit on traditional PC screens or LCD displays, thanks to its versatile multi-attach base. The Live! Cam Vista IM works with all instant messaging services including MSN, Yahoo! and Skype. It is supplied with Creative’s Live! Cam Center Lite software which helps you make the most of its features. CMOS Creative Creative Technology, Ltd Live! Cam Manual Focus PC REACH RoHS USB 1.1 VF0420 VF0420 Live! Cam Vista IM Webcam WEEE Webcam Yes www.creative.com

Creative GigaWorks II T20W Speaker System $112.99 1 Year Limited 100 ft 2.0 2.20 lb 28 W 3.30″ 5.60″ 50 Hz to 20 kHz 51MF1620AA000 9″ GigaWorks II T20W Speaker System Stereo-to-stereo Audio Cable (6ft) Power Supply Adapter Quick Start Leaflet Warranty and Technical Support Leaflet The GigaWorks II T20W is ideal for music and gaming enthusiasts. Complementing existing Creative wireless audio products, you can now enjoy uncompressed xtreme fidelity music anywhere in your home. A perfectly easy set-up, these sleek speakers come with contemporary black finishing and will fit neatly on any desktop. Bass Creative Creative Technology, Ltd GigaWorks GigaWorks II T20W Speaker System II REACH RoHS Speaker System T20W Treble Volume WEEE Yes www.creative.com

Motor Home $63 The wide doors make it easy for children to access and arrange the furniture inside. The partition attached to the TV can be flipped to form a table and the sofa can be pulled out forming a bed. There is also a hitch lock at the back and topbox storage with elastic to secure the luggage. (Accessories & dolls not included) How to play The unique function and mobility of the motor home provides opportunity for children to learn about the purpose of each room in the motor home through role playing according to their imagination helping to promote creativity and vocabulary skill. Children can imagine themselves driving to their desired destination. Parents can ask children questions and invite them to tell stories helping to develop language skill and building good relation in the family. After children have played with the motor home, parents can invite children to create and draw the house and rooms which will help enhance their knowledge and also connect their imagination to the real home. Dimensions: W 7" x D 14.6" x H 7" Age: 3 years + Green Toy – Green Company. PlanToys recognizes the importance of promoting good quality of life, balanced with concern for environment. They are committed to minimizing their impact on nature and their toys are made from recycled rubberwood that is non chemically treated. PlanToys simplicity in design is combined with innovative use of materials and real-valued function encouraging more creative play in a good learning environment. Shipping Note: This item ships via UPS Ground within contiguous United States only. Cannot be shipped to AK/HI, PO boxes, US territories, or APO/FPO addresses.

Adobe Creative Suite v.5.0 (CS5) Design Premium $794.99 1 User 65065592 Adobe Photoshop CS5 Extended Adobe Illustrator CS5 Adobe InDesign CS5 Adobe Flash Catalyst CS5 Adobe Flash Professional CS5 Adobe Dreamweaver CS5 Adobe Fireworks CS5 Adobe Acrobat 9 Pro Adobe Bridge CS5 Adobe Device Central CS5 Processor: Intel Pentium 4 or AMD Athlon 64 Operating System: Microsoft Windows XP with Service Pack 3 Microsoft Windows Vista Home Premium, Business, Ultimate, or Enterprise with Service Pack 1 (Service Pack 2 recommended) Microsoft Windows 7 Hard Disk: 9.3 GB of available space for installation Additional free space required during installation (cannot install on removable flash-based storage devices) Memory: 1 GB of RAM or more recommended 256 MB of VRAM Optical Drive: DVD-ROM compatible with dual-layer DVDs Others: 1280×800 display with qualified hardware-accelerated OpenGL graphics card, 16-bit color Some features in Adobe Bridge rely on a DirectX 9 capable graphics card with at least 64MB of VRAM Java Runtime Environment 1.5 (32 bit) or 1.6 QuickTime 7.6.2 software required for multimedia features Adobe Flash Player 10 software required to export SWF files Broadband Internet connection required for online services Some GPU-accelerated features require graphics support for Shader Model 3.0 and OpenGL 2.0 Note: This product must be activated over the Internet prior to use State-of-the-art image editing: Use industry-standard Adobe Photoshop CS5 Extended to edit, enhance, and refine high-quality images for any print project. Versatile, resolution-independent graphics: Create stand-out graphics that scale from business card to billboard with Adobe Illustrator CS5. Dynamic PDF creation: Use Acrobat 9 Pro to create PDF documents and package layouts, drawings, images, animation, movies, audio, and other files in a single, dynamic PDF Portfolio. Streamlined reviews: Maximize design time by streamlining reviews with Adobe CS Review, a CS Live online service. Initiate shared reviews from within Photoshop CS5 Extended, Illustrator CS5, and InDesign CS5. Invite others to comment with easy-to-use tools, and view their comments in the context of your design. Integration with CS Live online services: Take advantage of integration with new Adobe CS Live online services to accelerate time-consuming processes such as creative reviews, web page testing, and collaborative content authoring. CS Live services are complimentary for a limited time. Performance on the latest operating systems: Take advantage of the power and performance of the latest Apple and

Adobe Creative Suite v.5.0 (CS5) Master Collection $2565.99 1 User 65065892 Adobe Photoshop CS5 Extended Adobe Illustrator CS5 Adobe InDesign CS5 Adobe Acrobat 9 Pro Adobe Flash Catalyst CS5 Adobe Flash Professional CS5 Adobe Flash Builder 4 Adobe Dreamweaver CS5 Adobe Fireworks CS5 Adobe Contribute CS5 Adobe Premiere Pro CS5 Adobe After Effects CS5 Adobe Soundbooth CS5 Adobe OnLocation CS5 Adobe Encore CS5 Adobe Bridge CS5 Adobe Device Central CS5 Adobe Dynamic Link Extend your creative reach: Craft a corporate identity using Illustrator CS5 to engage your audience online. Use new Flash Catalyst CS5 to make it part of an expressive, interactive interface without writing code Design and deliver immersive experiences: Use Flash Professional CS5 to engage your audience with microsites and casual games that present your designs consistently across desktops, browsers, and mobile devices Take your story to any screen: Enhance HD video productions with high-resolution imagery from Photoshop CS5 Extended. Add intricate effects using After Effects CS5, and edit dramatically faster in Adobe Premiere Pro CS5 Processor (64-bit)*: Intel Pentium 4 or AMD Athlon 64 (Intel Core2 Duo or AMD Phenom II recommended) Intel Core 2 Duo or AMD Phenom II required for Adobe Premiere Pro Operating System**: Microsoft Windows XP with Service Pack 3 Microsoft Windows Vista Home Premium, Business, Ultimate, or Enterprise with Service Pack 1 (Service Pack 2 recommended) Microsoft Windows 7 Hard Disk: 24.3 GB of available space for installation Additional free space required during installation (cannot install on removable flash-based storage devices) 7200 RPM for editing compressed video formats; RAID 0 for uncompressed Memory: 2 GB of RAM (4 GB or more recommended) Optical Drive: DVD-ROM compatible with dual-layer DVDs (DVD+-R burner for burning DVDs; Blu-ray burner for creating Blu-ray Disc media) Others: Adobe-certified GPU card for GPU-accelerated performance in Adobe Premiere Pro; visit the Adobe Premiere Pro system requirements page for the latest list of supported cards Some GPU-accelerated features in Adobe Photoshop Extended require graphics support for Shader Model 3.0 and OpenGL 2.0 Some features in Adobe Bridge rely on a DirectX 9-capable graphics card with at least 64MB of VRAM Adobe-certified card for capture and export to tape for SD/HD workflows OHCI-compatible IEEE 1394 port for DV and HDV capture, export to tape, and transmit to DV device Sound card compatible with ASIO protocol or Microsoft Windows Driver Model Java Runtime Environmen

Creative Sound Blaster X-Fi 30SB079200000 Xtreme Audio Sound Card $49.99 24 bit 24 bit 96 kHz 7.1 Channel DAC 24 bit 96 kHz ADC 24 bit 96 kHz Stereo DAC 30SB079200000 7.1 96 kHz Microsoft Windows XP (Service Pack 2/x64 Edition/Media Center Edition) Intel Pentium 4 1.6 GHz/AMD Athlon XP 2000+ processor or equivalent 256 MB RAM 600 MB of free hard disk space Available PCI 2.1 slot CD-ROM or DVD-ROM drive Headphones or amplified speakers (Available separately) Internet connection required for Cyberlink PowerDVD download X-Fi CMSS-3D Internal line level Input (Via 4-pin Molex connector) Intel HD Audio Compatible Front Panel Header (2×5pin) Digital I/O connector supports External Digital I/O Module (Upgrade Option) The ideal audio upgrade for Media Center PCs. Creative’s Sound Blaster X-Fi Xtreme Audio gives an experience beyond studio quality with MP3 music and movies! Featuring award-winning X-Fi technologies, X-Fi Crystalizer restores the details and vibrance lost during MP3 and DIVX compression, breathing life back into any audio, while X-Fi CMSS-3D expands stereo music and movies into amazing surround sound. Effective over virtually any speakers, including stereo speakers, Sound Blaster X-Fi Xtreme Audio even provides unbelievable surround sound over normal headphones! The low profile design plus digital out for connecting to a home cinema system make it ideal for Media Center PCs. Creative Creative Technology, Ltd Internal OEM Output @ Up to 24 bit Up to 96 kHz PC PCI Sound Blaster X-Fi 30SB079200000 Xtreme Audio Sound Card Sound Board X-Fi Xtreme Audio www.creative.com

Home Office – Neo $20.7 The Neo Home Office Set by Plan Toys consists of a computer desk, writing desk, bookcase, and chair. Made from eco-friendly recycled materials. Great for ages 3 years and up. Green Toy – Green Company. PlanToys recognizes the importance of promoting good quality of life, balanced with concern for environment. They are committed to minimizing their impact on nature and their toys are made from recycled rubberwood that is non chemically treated. PlanToys simplicity in design is combined with innovative use of materials and real-valued function encouraging more creative play in a good learning environment.

Adobe Creative Suite v.5.0 (CS5) Web Premium $596.99 1 User 65068227 Adobe Dreamweaver CS5 Adobe Flash Catalyst CS5 Adobe Flash Professional CS5 Adobe Flash Builder 4 Adobe Photoshop CS5 Extended Adobe Illustrator CS5 Adobe Acrobat 9 Pro Adobe Fireworks CS5 Adobe Contribute CS5 Adobe Bridge CS5 Adobe Device Central CS5 Integrated CMS support in Dreamweaver: Enjoy authoring and testing support for content management systems like WordPress, Joomla!, and Drupal right in Adobe Dreamweaver CS5. Dynamically Related Files provides direct access to a page’s related files, even for dynamic pages, and Live View Navigation offers accurate previews of dynamic applications. Integration with CS Live online services: Get accurate browser-compatibility testing with Adobe BrowserLab and manage design project reviews with Adobe CS Review, two of the new Adobe CS Live online services. CS Live services are complimentary for a limited time. New text engine in Flash Professional: Create print-quality typography using the new Text Layout Framework in Adobe Flash Professional CS5. Work with columns and bidirectional text, and maintain layout and formatting with greater fidelity when importing from other Adobe products. Crisp graphics for web and mobile devices: Deliver clean, sharp, pixel-aligned raster artwork with enhanced anti-aliasing features in Adobe Illustrator CS5. Avoid fuzzy graphics by automatically aligning artwork to the pixel grid, and control the appearance of individual text objects. Wide content distribution: Publish content to personal computers and mobile devices to the browser with Adobe Flash Player, to standalone applications with Adobe AIR, and to the iPhone with support for creating native iPhone applications. CSS inspection: Visually display the CSS box model in detail without reading code or requiring separate utilities. Move your cursor over block-level elements in Live View to see their cascade and context instead of using the Tag Selector. Easy 3D extrusions with Adobe Repouss: Quickly create stunning 3D artwork and apply rich material textures with Adobe Photoshop CS5 Extended. Take your designs even further by leveraging the Adobe 3D Forge engine for advanced editing of your 3D models. Code Snippets panel in Flash Professional: Quickly include functional code for things like timeline navigation, actions, animation, audio and video, and event handlers. Reduce the learning curve for the ActionScript 3.0 language and enable greater creativity by injecting prebuilt code into projects. Processor: Intel Pentium 4 or AMD Athlon 64 Operating System: Microsoft Windows XP with Service Pack 3 Microsoft Windows Vista Home Premium, Business, Ultimate, or Enterprise with Servic

Sony Creative Software Vegas Movie Studio HD v.10.0 Platinum $78.99 1 User Standard or high definition Simple DVD and Blu-ray Disc creation Device Explorer Enhance and stabilize video New Project and Make Movie wizards Share your creations Customizable window layouts Learn as you go with easy tutorials Processor: 1 GHz (multicore or multiprocessor CPU recommended for HD) Operating System: Windows XP with Service Pack 3 or later Windows Vista with Service Pack 2 or later Windows 7 Hard Disk: 200 MB space for program installation Memory: 1 GB RAM (2 GB RAM recommended for HD) Optical Drive: DVD-ROM (for installation from a DVD only) Supported CD-recordable (for CD burning only) Supported DVD-R/-RW/+R/+RW (for DVD burning only) Supported BD-R/-RE (for Blu-ray Disc burning only) Others: OHCI-compatible i.LINK connector/IEEE-1394DV card (for DV capture and print-to-tape) USB 2.0 connection (for importing from AVCHD or DVD camcorders) Windows-compatible sound card Microsoft .NET Framework 3.0 (included on application disc) Apple QuickTime 7.1.6 or later Internet Connection (for Gracenote MusicID Service) Note: Product requires online registration within 30 days Vegas Movie Studio HD Platinum software has everything needed to produce spectacular HD movies. Edit video in nearly any format including HDV and AVCHD. Powerful features for video compositing, color correction, and soundtrack creation help you get feature-film results in your home studio. Use the surround sound mixing tools to create 5.1 soundtracks. Choose from hundreds of professional 2D and 3D video effects, titles, and filters. Upload movies to YouTube, burn to Blu-ray Disc, or author DVDs using beautifully designed themes or your own custom menus and graphics. Exclusive Sony Show Me How interactive tutorials help you get started fast. Complete Product DVD-ROM FCSPVMS10000 Graphics/Designing Graphics/Multimedia Not Applicable PC Retail Software Sony Creative Software Sony Creative Software, Inc Standard Vegas Movie Studio HD v.10.0 Platinum Windows www.sonycreativesoftware.com

Creative Blocks $29.7 The Creative Blocks by Plan Toys are a fun and easy way for your child to expand his or her imagination. The kit contains 46 wooden blocks, which can be used to make a town, castle, or anything else that can be imagined. The blocks are made with recycled rubber wood and natural water-based paint to ensure your child’s safety. Great for ages 3 years and up. Dimensions: W7.5" x D3.7" x H9.1" Green Toy – Green Company. PlanToys recognizes the importance of promoting good quality of life, balanced with concern for environment. They are committed to minimizing their impact on nature and their toys are made from recycled rubberwood that is non chemically treated. PlanToys simplicity in design is combined with innovative use of materials and real-valued function encouraging more creative play in a good learning environment.

Magnolia Home Fashions Shablis Rose $8.98 Screen printed on 7 ounce cotton , this versatile, medium weight fabric is perfect for window accents (draperies, valances, curtains and swags), toss pillows, bed skirts, duvet covers, slipcovers and more! Get creative with tote bags and aprons too! Colors include red, burgundy, pink, green and natural