Guia de investimento imobiliário em Nova Iorque

Real estate is global. Many factors, from global to local, affect current prices, future capital value, and current rental income. As well as global and regional factors to consider, each country has its own income, real estate, and capital gains tax regulations. They also have their own purchase, financing, and sales costs. These costs have a direct effect on cap rate, net cash flow, leverage, and future profits.

Dentro de cada país existem cidades. Cada cidade tem vantagens e desvantagens para o investidor imobiliário (tanto nacional como estrangeiro). Ao ter em conta os factores regionais e nacionais, e depois descer até ao nível da cidade, os investidores estão mais aptos a tomar decisões sensatas e a fazer as melhores escolhas, de modo a maximizar os resultados que correspondem às sete razões acima enumeradas.

Neighborhood Overview to NYC Real Estate Investors

New York City is a hub for real estate investment, with a diverse range of neighborhoods offering unique opportunities for investors. From the trendy boutiques of SoHo to the historic brownstones of Brooklyn Heights, each neighborhood has its own character and charm. As a real estate investor, it’s essential to understand the nuances of each neighborhood to make informed investment decisions.

SoHo, known for its artistic vibe and high-end shopping, attracts affluent tenants looking for luxury living spaces. On the other hand, Brooklyn Heights offers a more residential feel with its picturesque streets and historic homes, appealing to families and professionals seeking a quieter lifestyle. Neighborhoods like Williamsburg and Greenwich Village are popular among young professionals and students due to their vibrant nightlife and cultural scenes.

Understanding the unique attributes of each neighborhood helps investors target the right tenant demographics and maximize their returns. Whether you’re looking for high-end condos, family-friendly homes, or trendy apartments, NYC’s diverse neighborhoods provide a wealth of investment opportunities.

Understanding NYC Real Estate Market

The NYC real estate market is a complex and dynamic entity, influenced by a broad range of factors, including economic trends, demographic shifts, and government policies. To navigate this market successfully, investors need to stay up-to-date on the latest market trends and investment strategies.

Market Trends

The NYC real estate market is experiencing a shift towards more affordable housing options, driven by government initiatives and changing consumer preferences. This trend is opening up new opportunities for investors who can provide quality housing at competitive prices.

The rise of technology companies in NYC is driving demand for office space, particularly in neighborhoods like Hudson Yards and the Financial District. These areas are becoming hotspots for tech firms, creating a ripple effect on the local real estate market.

Additionally, the city’s growing population of young professionals is fueling demand for luxury rentals and condos in trendy neighborhoods like Williamsburg and Greenwich Village. These areas offer a blend of modern amenities and vibrant lifestyles, making them attractive to high-earning tenants.

Investment Strategies

Private equity firms are increasingly investing in NYC real estate, attracted by the city’s stable and growing economy. These firms often focus on large-scale developments and high-value properties, leveraging their financial strength to secure prime assets.

Hedge funds are also active in the NYC real estate market, using strategies like distressed debt and opportunistic investing to generate returns. These funds often target undervalued properties or those in need of redevelopment, aiming to capitalize on market inefficiencies.

Individual investors can benefit from working with experienced managing directors and investment managers who have a deep understanding of the NYC real estate market. These professionals provide valuable insights and guidance, helping investors navigate the complexities of the market and make informed decisions.

Investment Opportunities in NYC

Residential Properties

Residential properties in NYC offer a range of investment opportunities, from luxury condos in Manhattan to affordable rentals in the outer boroughs. Investors can benefit from working with experienced property managers and support services to maximize returns and minimize risk.

Market research is essential to identifying the best investment opportunities in NYC. By analyzing neighborhood trends, demographic shifts, and economic indicators, investors can make data-driven decisions that enhance their investment outcomes.

Investor relations are critical in NYC real estate, where building relationships with local stakeholders and community groups can help investors navigate complex regulatory environments. Engaging with the community and understanding local dynamics can provide a competitive edge.

Data management is also essential in NYC real estate. Investors need to stay on top of market trends and regulatory changes to make informed investment decisions. Utilizing advanced data analytics and management tools can provide valuable insights and streamline the investment process.

By understanding the nuances of the NYC real estate market and staying up-to-date on the latest market trends and investment strategies, investors can capitalize on the many opportunities available in this vibrant and dynamic city. Whether you’re a seasoned investor or just starting out, NYC real estate offers a broad range of investment opportunities that can help you achieve your financial goals.

Neighborhood Overview to NYC Real Estate Private Equity Investors

The right location is critical to ultimate success. In our article “An Analysis of the Best Cities to Invest in Rental Properties in 2019” you will see a detailed analysis of the subject. In summary, the International Monetary Fund studied 57 economies and divided them into three categories as far as real estate investment is concerned. We linked this study to UBS Wealth Management’s most recent report on 20 individual cities. It is clear that some of the world’s cities, such as Hong Kong, Toronto, and London are in what UBS calls “bubble-risk” territory. Others are listed as over-valued, fairly-valued, and undervalued.

Our focus as realtors is on New York City, particularly Manhattan and its neighborhoods. We also, however, have information on Downtown Miami as well as general tips for investing in Miami luxury real estate.

Quando se compra uma propriedade de investimento em Nova Iorque, a localização é importante. A localização correcta para a propriedade de investimento e a escolha da propriedade certa, por si só, irão contribuir para as sete razões acima enumeradas. Cada cidade tem bairros, e esses bairros proporcionarão uma valorização do preço em maior ou menor grau. Cada bairro também atrai tipos específicos de mercado de arrendamento. Esses tipos incluem, por exemplo:

• Profissionais que preferem arrendar em vez de possuir um imóvel perto do seu local de trabalho, e que também satisfaça os seus objectivos de vida social e familiar.

• Wealthy individuals who want an occasional pied-à-terre for business visits or vacation property for longer occupancy, so their family can make the most of the building’s and area’s social, dining, and shopping amenities.

• Pessoas com famílias jovens que preferem, ou devem, alugar a casa certa no local certo.

• Estudantes que frequentam o colégio, a universidade, a escola privada ou a academia local.

Each of these four rental-market examples will help the investor to determine which location to choose and which property type to choose. Neighborhoods with institutions of higher education can attract students and faculty, making them prime locations for investment. All of these markets tend to see high occupancy rates at high rental prices. They, therefore, generate high yield, good cash flow, and good property price appreciation.

Once investors choose the property’s location and the property type, the next decision is about the right building. There are two sides to this decision; the investor’s side and the tenant’s side. Get them both right, and the result is investment success.

The Investor's Side of Financial Markets

Mais uma vez, as decisões incorporam os objectivos subjacentes. Em termos simples e práticos, as decisões baseiam-se em factores como:

• As regras e os regulamentos permitem taxas de aluguer e de arrendamento aceitáveis? Uma cooperativa pode ter regulamentos que impeçam o aluguer da unidade por um período mínimo. As cooperativas também exigem que os potenciais inquilinos sejam entrevistados e aprovados.

• Are there any city or community regs that may limit how much rent can be charged or how many (or how few) days in a year the property house each tenant?

• Quando é que o imóvel estará pronto para ser arrendado? Vale a pena comprar um imóvel inacabado a um preço excelente, para maximizar a valorização futura do preço e perder o rendimento inicial do aluguer, ou deve comprar um imóvel pronto a ocupar para maximizar o rendimento imediato e compensar o custo da compra, etc.?

• If the property is complete, what is its condition? A professional inspection by a qualified home inspector, preferably working to ASHI Standards (American Society of Home Inspectors) to make sure everything that should be inspected is inspected. Safety or functionality problems should be addressed in the purchase agreement and handled prior to closing.

O lado do inquilino

Os inquilinos tendem a escolher uma casa com base em cinco critérios. Estes resumem-se a prestígio, privacidade, espaço, vista e conveniência. "O PPSVC do arrendamento". Estes factores não estão por ordem de importância, uma vez que alguns inquilinos privilegiam um ou mais em detrimento dos outros. Vamos discuti-los:

• O prestígio pode ser muito importante. Um inquilino rico que procura uma unidade ocasional na cidade, porque prefere uma casa a uma suite de hotel, pode colocar o prestígio do imóvel e a sua localização no topo da sua lista. Um estudante ou uma família profissional talvez não.

• A privacidade é frequentemente importante para muitas pessoas. Uma celebridade ou uma família com crianças pequenas podem procurar privacidade.

• O espaço é importante para os inquilinos com filhos ou para alguém que precisa de um escritório em casa, mas não tanto para um estudante ou inquilino solteiro que apenas quer estar perto da faculdade ou do escritório.

• As vistas são importantes para muitas pessoas. Comprar uma unidade multifamiliar que seja suficientemente alta para dar uma sensação de espaço quando se olha pelas janelas tem muitas vezes um preço mais elevado do que uma unidade que esteja num piso inferior com vista para uma parede de tijolo. Uma vista para o Central Park, por exemplo, exige um preço de compra elevado, gera um rendimento mais elevado e proporciona um preço de venda elevado quando chega a altura de liquidar os lucros.

Uma vista menos impressionante pode não proporcionar um rendimento suficientemente elevado para cobrir o prémio do custo de aquisição, mas, ao potenciar o investimento, esse problema é atenuado. As unidades com melhores vistas, especialmente se houver pouco por onde escolher no pagamento da renda, registarão sempre taxas de ocupação mais elevadas do que as unidades com vistas menos favoráveis.

• A conveniência é importante para muitos inquilinos. Querem estar perto do escritório, da faculdade, de uma área de lazer se tiverem filhos, de bons transportes, etc. A conveniência é um poderoso fator de motivação e proporciona frequentemente taxas de ocupação mais elevadas para o senhorio.

Quando são tidos em conta tanto os aspectos do proprietário como os do inquilino, é mais fácil escolher o edifício certo e maximizar o fluxo de caixa e o lucro.

A Troca Diferida de Impostos 1031 (nome da Secção 1031 do Código de Receita Federal dos EUA) permite que um investidor venda um imóvel e utilize todo o produto da venda para comprar um ou mais imóveis "semelhantes" de valor igual ou superior, dentro de um prazo aprovado, sem pagar qualquer imposto sobre as mais-valias do imóvel vendido. O imposto é diferido até que haja uma liquidação final sem mais investimentos.

A regra 1031, portanto, é uma excelente forma de maximizar o retorno do investimento, pois todo o lucro pode ser usado para comprar a próxima propriedade (ou propriedades) sem passar nenhum lucro para o governo.

Investors can use this benefit to consolidate or diversify current investments, make the most of an emerging market, make better returns elsewhere, or reset the depreciation clock. Brownstones held in New York can be "exchanged" for a Miami luxury condo, for example. Vacant land or a commercial building held in Miami can be "exchanged" for other investment real estate in New York. The options are many, the rules governing exchanges are tight, and the transactions must be handled by an approved intermediary.

Ao confiarem nos bons conselhos do agente imobiliário ou do gestor de propriedades, os investidores podem maximizar os seus rendimentos. Isto leva-nos à próxima secção.

"Imposto sobre as mais-valias imobiliárias"

Two Approaches to Leverage in Market Research

The first, and obvious, is to take out a mortgage loan on the property. Foreign investors learn there are well-established and willing American lenders when looking for real estate loans. Domestic investors often put down 20% and borrow the rest. Overseas investors often make a 50% down payment.

A entrada pode provir da realização de lucros na bolsa de valores ou da venda de um imóvel existente para aproveitar ao máximo a valorização do preço e as vantagens da permuta 1031. O custo da amortização é dedutível nos impostos, claro, e o inquilino está lá para cobrir os custos do empréstimo através da sua renda.

The second most common way is to use the equity in a current property to use as the down payment. The two ways of doing this are to take out a mortgage loan using the property’s equity for security. The second way is to use a home equity line of credit (HELOC.) The main difference is that the line of credit can be used for anything and interest is only paid on credit used. It, therefore, enables a more subtle approach to look for the right investment property, and to cover the purchase costs and those of any renovation, etc.

An obvious benefit of financing the purchase is that price appreciation of the property is being funded by the down payment and the rental income. A $600,000 down payment on a $3 million property which sees a price appreciation of 5% ($150,000) means the appreciation represents a 25% return on the down payment amount. Technical assistance programs can help investors navigate the complexities of leveraging their investments.

O financiamento para investidores acreditados faz todo o sentido do ponto de vista comercial.

A utilização do gestor de propriedades certo maximizará a ocupação porque a empresa de gestão comercializará a propriedade a potenciais inquilinos, examiná-los-á e gerirá o contrato de arrendamento enquanto este estiver ativo. A decisão de contratar essa atividade produz frequentemente melhores inquilinos e taxas de ocupação mais elevadas. Ambos resultam num rendimento mais elevado.

The third element of getting the right return is to put the sale in the hands of a skilled and successful real estate agent who will market it correctly. The agent will help to negotiate the best price the market will bear, on the best terms for the current owner, and within the owner’s preferred timescale.

Put those three elements together, including a 1031 Exchange if appropriate, and the property will generate the highest return on the investment. That’s what making the best real estate investment decision is all about.

Managing investment properties effectively takes time, skill, and experience. There are two kinds of property management, “light property management” and “full property management.” Light property management is a route many clients take because it takes care of the initial, critical elements, and can begin as soon as the chosen investment property is under contract.

Light Property Management Support Services

This service manages all the steps beginning with finding the right tenant. The investment property is marketed to prospective tenants, the tenant is screened, the lease prepared, applications to condo boards are supported, and any necessary repairs, etc. are arranged. Many property management companies operate as small businesses, providing personalized services to investors. Light property management excludes handling tenant or landlord monies but does include terminating and renewing leases.

Gestão integral de propriedades

This service includes handling rents and paying bills, etc. with full accounting services and financial reporting. It also takes care of tenant evictions should that ever be necessary. Full property management services often include the preparation of quarterly reports to keep investors informed about their property's performance.

Serviços de gestão de propriedades em Manhattan Miami