Fairfield Financial Services, Inc. - Private Money Loans, Lending & Borrowing

Analysis

The west coast is on fire

Tuesday, March 6th, 2018

Clay Sparkman Between Seattle, Portland, San Francisco, LA, and San Diego, home prices are off the charts. We broker short-term loans to real estate investors, so if you wish to invest in trust deeds in these markets, consider contacting us. And check out these two recent articles: A Third of U.S. Homebuyers Are Bidding Sight […]

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Five potentially useful indicators of the likely movement of value

Friday, August 11th, 2017

Clay Sparkman Any good real estate investor should be attempting  to assess whether property values are rising, falling, or holding in the area of his/her latest potential investment. After all, the core question when buying investment property (particularly short-term) is, “what is value likely to do in the next year or so?” If you sense […]

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A book that we must read

Thursday, January 19th, 2017

Clay Sparkman This book strikes me as a must read for anyone in the lending business. I have not read it yet, but I intend to get started now. Have any of you read it, and if so, what was your take away? Here The Unbanking of America: How the New Middle Class Survives Lisa […]

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Examining an FAQ about Trust Deed investing

Tuesday, December 20th, 2016

S. Clay Sparkman TNG (The Norris Group) published the following FAQ on their site. I thought it might be fun to go through this and see where I agree and perhaps disagree, and offer my annotations (in red). Frequently Asked Questions About Trust Deed Investing 1. What is a trust deed investor? A trust deed […]

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Twenty-eight questions you must ask

Friday, October 7th, 2016

Clay Sparkman I first wrote and published this piece in its original form in September of 2009. I am of the firm belief that the key to success (defined as: having fun and maximizing your return, two closely correlated phenomena), is rigorous and comprehensive vetting of the loan proposal. If you do this right, the […]

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Leading real estate value indicators

Tuesday, August 23rd, 2016

Clay Sparkman Of particular interest to private money investors is to analyze and spot potential trends in real estate pricing. I recently posted an article, Three potentially useful indicators of the likely movement of property values, which proposed three potential indicators to watch. The following article, Unlike prices, real estate jobs not back at peak, […]

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Several perspectives on private money and changes happening in the industry

Tuesday, May 24th, 2016

Clay Sparkman With regard to forward thinking (that is, how is the industry changing?): I thought you might appreciate this article, Private Lending Sector Making Big Noise for Real Estate Investors, by Ben Stoodley: Here Certainly he is correct with regard to his interpretation of current trends, and one must wonder how far this might […]

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Into the mainstream

Friday, May 13th, 2016

Clay Sparkman I thought that this recent article in The National Real Estate Investor would be worth sharing with the private money investors in this group. It certainly rings true with those of us at Fairfield, as we have had to work with our investors to adapt our programs and strategies to a changing market […]

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Three potentially useful indicators of the likely movement of property values

Monday, April 25th, 2016

Clay Sparkman Any good private money investor should be attempting  to assess whether property values are rising, falling,  or holding in the area of his/her latest potential investment. After all, the core issue  when assessing investment risk is LTV, and if the “V” part of “LTV” falls during the time of your investment, your investment […]

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25 questions you must ask

Friday, January 22nd, 2016

Clay Sparkman I originally published this article in September of 2009 on this blog. I’m going to make a list today of twenty-five important questions that I believe an investor must ask prior to funding any private money loan transaction.  I’m not going to elaborate much on each particular item here, but will drill down […]

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