Episode 227. Irish & European Property Update

In this episode I discuss the upcoming general election in Ireland, the devastating floods in Valencia and the recent performance of the wider Spanish property market.  I also review the performance of housing markets across Europe, highlighting the significant increases in property values in various countries. The conversation also delves into the impact of climate change on urban development and the role of media in shaping public perception of these issues.

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Takeaways

• The Irish general election is set for November 29th.

• The Valencia floods have resulted in significant loss of life.

• Spain's economy is projected to outperform the US by 2025.

• Ireland's housing market has seen a 69% increase from 2015-2023.

• Hungary's housing market has risen by 172.5% in the same period.

• Climate change is a contributing factor to recent flooding events.

• Urban development has exacerbated flooding issues.

• Media often sensationalises news to attract attention.

   

   

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226. Financial Independence & Your Investor DNA with Joey Muré

In this episode I speak with Joey Mure discuss the importance and significance of taking control of one's finances, and strategies for achieving financial freedom. We explore the pitfalls of lifestyle inflation and the necessity of having a clear financial operating system to guide investment decisions.

Joey shares his personal journey from working long hours in the mortgage industry to discovering the importance of passive income and financial independence. We explore various investment strategies, including real estate and the significance of understanding one's investor DNA. The discussion also highlights the value of mentorship and learning from past mistakes in the investment journey.

Joey's website: https://www.wealthwithoutwallstreet.com/ 

Joey's Podcast: https://open.spotify.com/show/6TKal6DCxfr8a42oyH6Lyt?si=44a9d87366b540ae 

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Takeaways

• The importance of resilience in navigating financial ups and downs.

• Wall Street does not prioritise individual financial control.

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  Financial freedom is defined as passive income exceeding monthly expenses.

• Take control of personal finances rather than relying on external managers.

• A clear financial operating system is essential for achieving financial goals.

• Real estate must produce passive income to be effective - potential future capital appreciation should be a secondary consideration.

• Understanding your investor DNA helps with making better investment choices.

• Debt freedom does not necessarily equate to financial freedom.

   

   

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Episode 225. Where Next for the Property Market?

In this episode I address a pressing question around the future of the property market, particularly in light of recent price increases that have surpassed the 2007 peak. I cover the fundamental economic principles of supply and demand, emphasising the distinction between necessity-driven demand and speculation. Reflecting on the lessons learned from the 2008 market collapse, highlighting how speculation led to a significant downturn.

My arguemernt is that the current market is primarily driven by necessity, as the need for housing remains critical amidst rising prices and insufficient supply. The discussion also touches on the impact of interest rates and government interventions on the housing market, concluding with predictions about future trends and potential changes in the market landscape.  I hope you enjoy.

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Takeaways

• Significant concerns exist about future prices.

• Difference between necessity-driven demand and speculative demand is crucial.

• The 2007 market collapse was largely driven by rampant speculation.

• Current demand for housing is fundamentally driven by necessity.

• Interest rates have a reverse correlation with property prices.

• Government interventions can complicate market dynamics and affect supply.

• The construction of new homes is not keeping pace with population growth.

• Rents are likely to continue rising due to limited supply.

• The market is difficult to repair due to various economic pressures.

• Future predictions for the property market remain uncertain but lean towards continued price increases.

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Episode 224 - my guest this week is Brent Bowers from Colorado Springs, who shares his journey into land investing, discussing the benefits of seller financing and the importance of passive income. He explains his unique approach to acquiring land, the challenges he faced, and how he turned seemingly worthless land into profitable investments.

He shares insights from his military background and how it shaped his entrepreneurial journey, emphasizing the importance of discipline and resilience. Brent also offers practical advice for aspiring land investors and reflects on what he would tell his younger self about seizing opportunities in real estate.

Brent's website - https://www.thelandsharks.com/ 

Brent on LinkedIn - https://www.linkedin.com/in/brent1/ 

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Takeaways

• Emphasis on the importance of seller financing in land sales.

   

• He believes in making more money through interest than markup.

• Brent's strategy focuses on long-term passive income.

• He highlights the significance of understanding market demand.

• He stresses the need for financial freedom and flexibility.

• Understanding local zoning and access is crucial for land development.

• Valuation of land should be based on comparable sales in the area.

• Seller financing can make land more accessible to buyers.

• Emotional attachment to property differs significantly between land and homes.

• Investing in land can be a safer alternative to housing.

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Episode 223 - in this episode I discuss the recent in-person event featuring guest speaker Krystyna Rawicz, who shared insights on property investment and building surveying. The conversation transitions into the National Retrofit Plan for Ireland, focusing on energy efficiency and the role of the SEAI in managing grants for property upgrades.

I elaborate on the grant application process, highlighting the challenges and requirements for homeowners and property investors. The episode concludes with a discussion on the future implications of property upgrades in the housing market.

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Takeaways

• The National Retrofit Plan aims to retrofit 500,000 homes by 2030.

• Energy efficiency is crucial for reducing carbon emissions.

• The SEAI provides grants to support energy upgrades.

• Homeowners must use SEAI registered contractors for grants.

• The grant application process can be complex and time-consuming.

• Investors should consider the long-term benefits of energy upgrades.

• The housing market may shift due to new energy regulations.

• Grants may not cover all costs associated with upgrades.

• Improving energy efficiency can lead to lower fuel bills.

• The future of property upgrades is essential for compliance and marketability.

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Episode 222. HMO Investing in Ireland (part 2)

In this episode I delve into the intricacies of HMO (House in Multiple Occupation) investing in Ireland.  With the definitions and differences between HMOs, pre-63 properties and bedsits.  I highlight the regulatory landscape and potential risks involved. 

The podcast covers strategies for maximising your ROI (return on investment) and this includes the importance of property presentation and amenities.  I discuss legal and tax implications, particularly the differences between a lease and licence. Finally I explore financing options for HMO investors and future trends in the HMO market, emphasising the growing interest from larger firms.

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Takeaways

• HMO investing is gaining popularity in Ireland.

• Understanding the differences between HMOs, pre-63, and bedsits is crucial.

• Regulatory risks are a significant concern for HMO investors.

• Maximising returns involves enhancing property presentation and amenities.

• Legal structures like leases and licences have different implications for landlords.

• Financing options vary, with some lenders more favourable for HMOs.

• Future-proofing properties against potential regulations is wise.

• Building a sinking fund can help manage future expenses.

• Corporate rentals can provide stable income for landlords.

• The HMO market is attracting interest from larger firms. 

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Episode 221 - this week I am discussing the Irish rental market bottlenecks and issues with Conor McGarry, the Founder of Irish rental portal startup RentDoDo.ie - we have a great discussion around the rental market and how to best serve it via a software platform - I hope you enjoy!

Connect with Conor: https://www.linkedin.com/in/conormcgarry/ 

RentDoDo website: www.rentdodo.ie 

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Episode 220 - this week I dive deep into an online training I created called YOUR REAL ESTATE ROADMAP where I take you through a number of steps that helped me to create an multiple 8-figure property portfolio.  I hope you find it useful.

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Episode 219 - this week I am discussing investing in multi-family through syndication with my guest Randy Langenderfer.  This is a great episode at reminding those of you with corporate jobs that there is an alternative career out there - enjoy!

Connect with Randy: https://www.linkedin.com/in/randy-langenderfer/ 

Invest-Ark website: www.invest-ark.com 

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Episode 218 - this week I turned 52 and my son turned 4.  My daughter got her leaving cert results and is off to college - its been a busy couple of weeks so i took a short break.  Today I talk about the lessons I have picked up over 52 years of life - I hope you enjoy!

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Episode 217 - this week I discuss the mortgage market and getting mortgage ready with Mags Barrett who is the Managing Director of Mortgage Navigators.  She has some super useful tips and suggesions for you all - I hope you enjoy!

Mortgage Navigators - https://www.mortgagenavigators.ie/ 

Connect on LinkedIn - https://www.linkedin.com/in/margaret-barrett/ 

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