Actual - Real Estate

Brandi Brand is Sales Director for Breakwater Mortgage in Virginia Beach, Virginia. Brandi and her husband, Scott also rehab and resell real estate investments in Southeastern Virginia. The following interview

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

consists of common questions real estate investors have at this time, when mortgage interest rates seem to be on the rise.

Q: What is the overall tenure of the real estate and mortgage industry in Virginia a

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

the end of 2005 and leading into the first quarter 2006?
A: The local market has slowed in Virginia over the last six months. Houses are staying on the market longer. This means more time is involved for

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

real estate investors who want to sell.

Q: Are the real estate and mortgage markets headed for a downturn then?
A: The market is still very strong despite a slight decrease in activity. In Southeastern V

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

irginia, home sales dropped approximately 3% in November 2005, which indicates a slight adjustment.

Q: Is it a buyer’s market now?
A: Currently, the market is leveling out. When it was a seller’s market,

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

contracts were signed on homes and properties before anyone had a chance to think the purchase through fully. Now, investors have the opportunity to price out necessary repairs and renovations to get the mos

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

return out of the property.

Q: Is it a good time to buy?
A: Yes. The market is adjusting, and there are some great bargains for the real estate investor. There are always good deals to be found. An in

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

vestor is looking to purchase property below the market value, this is how they make a profit. Purchasing a property with cosmetic issues, rehabbing and reselling is one strategy. Other good deals can be found

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

with For Sale by Owner real estate.

Q: What makes the Virginia real estate market different from say, the market in the Northeast?
A: In general the Northeastern market is more expensive than the South

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

astern, with the exception of Florida. Southeastern Virginia real estate is more affordable, so investors come from the Northeast to buy here.

Q: What do mortgage lenders look for when they consider writing loa

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

s for real estate investors?
A: A mortgage lender is looking for a strong employment history and six times the monthly payments in leftover assets after paying money due at closing. For 100% financing, t

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

he applicant can be required to have a 680 credit score or above. Lenders ideally like to see two years of experience renting properties if the real estate investor is attempting to purchase multiple propertie

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

. On average a property that brings in a return of at least $200.00 per month (for maintenance and repairs) is considered a sound investment. For new investors, banks will be inclined to limit the investor to

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

wo properties in the first two years.

Q: What are the best real estate markets to invest in?
A: One of the highest areas of real estate investment is near military bases. Southeastern Virginia has a wealth

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

of bases. Soldiers on their own often prefer to live in base hosing. Those with families often choose to rent in order to have more privacy or a yard.

Q: What are the current trends in mortgage financing for

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

real estate investors?
A: Prior to the summer of 2005, many investors were choosing interest only loans or 2,3, or 5 year Adjustable Rate Mortgages (ARMS) that required little money down. Most investors

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

urchase a property with 5 years in mind. The value of homes will continue to increase, but investors see the 30-year fixed loans as more solid while interest rates are on the rise. Young investors seem less co

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ncerned about rising mortgage rates. Many seasoned investors remember when the interest rates were 13-14%, but investors under thirty have not seen comparable interest rates during their adult lives.

Q: What

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

are the refinancing trends for real estate investors?
A: Many investors are choosing to refinance by moving from a short- term mortgage to a long-term loan. Investors with rental properties will be locking

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

n rates with 30-year fixed loans. Investors who want to rehab and resell property will be refinancing in order to obtain cash for another real estate investment. Overall, the refinancing boom has slowed down

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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An interest-only mortgage loan is a good option for someone with bad credit. Here are some of the advantages and disadvantages of interest-only loans.

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