Davide Pio | License #01522969 | BCRE License #01430309
2801 Pinole Valley Rd #210 Pinole, CA 94564
Cell: 510.815.2000
Office: 510.222.0900


Whether you’re a sophisticated investor or just learning how to get prequalified for your first home, this is the video library which will have almost any question you have. Want to know more about 1031 tax deferred exchanges? How are interest rates determined? Are value added properties right for me? How do I determine my credit score? All these are just some of the answers of many which are answered in these easy to follow videos. Feel free to subscribe to my YouTube channel to see all the upcoming videos as they’re released, and don’t forget to follow me on Facebook for even more information.

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Topics such as “Why Invest in Commercial Real Estate”, “1031 Tax Deferred Exchanges Simplified” and “Determining Net Present Value” are discussed among other investment related videos.

Leverage And How To Use It Properly

One of the most hotly debated topics I discuss with my clients is the concept of using a loan to assist in a purchase.  The concept of using other people’s money in order to finance a purchase is called leverage….and there’s quite a few reasons why this topic is debated so frequently.  Some of my clients are either in their later years near retirement and don’t want the responsibility of a mortgage payment.  Some of them want to see a higher return and maybe don’t want to tie up all their cash to buy the type of property their interested in.  Some don’t want a mortgage so they can have full control in case they do decide to sell later.  Some just want to spread their investment around so it’s not tied up in one single project.  I’m going to give you a quick rundown of what I personally feel is a responsible way to look at leverage…

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Determining Net Present Value (NPV)

As I discussed in my “Investing Terms Part 2” video, Net Present Value — or NPV —  means to convert all the future cash flows into today’s dollars.  Which even for me is still a bit of a confusing way to understand it.  For a quick recap on how we calculate this figure, let’s look at a simple example.

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How Securities Based Loans Work

When it comes to investing, some people prefer stocks.  Other prefer bonds.  And of course, there are those that prefer real estate.  One common point I hear from stock traders is the fact that they would LOVE to buy real estate right now but they don’t want to sell their stocks.  Maybe they have Apple and Google stocks?  Maybe their stocks are paying good dividends.  Whatever the reason is, they just don’t want to let it go, which is more than understandable! I wouldn’t want to either!  But what if there was a way that you could still keep the appreciation from the stock, AND the dividend, but BORROW against it to fund the purchase of a property?  I’m going to give you the basic overview of how this can be done with a securities based loan.

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Topics related to residential real estate are displayed here including “Difference Between Foreclosures (REO) vs. Short Sales vs. Regular Sales”, “How Credit Scores Really Work” and “Credit Scores”.

Using Bankruptcy to Stall a Foreclosure

Bankruptcy…by just saying it some people feel ashamed.  But did you know that in some circumstances bankruptcy can stall a foreclosure on your property?  It can even be used if you owe more than what the property is worth.  Of course, each state has its own set of laws with regards to foreclosure, but bankruptcy is federal — it’s rule is universal in each of the 50 states.  I’m going to give you some information in regards to how some of my clients…even how some of my family and friends — have used bankruptcy to stall the foreclosure of their property.

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Why Are Fannie Mae & Freddie Mac Important

If you’ve remotely watched or read any news since 2008, you’ve probably heard bits and pieces about Fannie Mae & Freddie Mac.  And if you’re one of those people that have heard bits & pieces about them, you might not know exactly what they do.  Both Fannie Mae & Freddie Mac are government sponsored enterprises, or GSE.  Fannie and Freddie actually played — and still play — a key role in obtaining an affordable home mortgage.

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Where Are Mortgage Rates Headed

No one can really tell you with absolute certainty what mortgage rates are going to be, but everyone’s going to try.  Instead of listening to the media and every different news article try to make their predictions, how about I show you a simple way to determine where *SHORT* term rates are likely going?

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Davide Pio