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Lori’s Corner

Lori’s Corner: Q&A – Is It Too Late To Invest In Atlanta?

One of the questions many investors ask me is “Is it too late to buy in Atlanta because the prices have gone up so fast?

While the prices have gone up and I suspect they will go up again this year, in my opinion it is not too late for a multitude of reasons. Some people even have fear that we are in another bubble, which is understandable with all the pain and carnage we just experienced. But an educated investor can look beyond the fear and realize an opportunity.

Here is how I analyze where we are in the real estate cycle. First, when we were in the last bubble, it wasn’t the lack of buyers that caused the bust, rather it was the lack of financing. People still wanted the homes, but the means to buy them changed. So, if we look at where we are at now, banks are not tightening the lending belt but actually are loosening it. This will allow more buyers to enter the market as both homeowners and investors.

The affordability of homes in the last bubble was the lowest affordability in nearly 30 years and now we are at the lowest affordability in the last 20 years. So, this means that it costs less to buy with the price of home and the cost of the money in the last 20 years. New home building has pretty much been on hold now for nearly 6 years and so the inventory of new homes is less than the demand.

Banks are not foreclosing as aggressively as they have in the past and are actually selling the defaulted notes to the institutional buyers rather than foreclose. The institutional buyers are then negotiating with the defaulted homeowners to keep them in the home in some form or fashion. In addition, these same institutional buyers are buying directly from the banks before the homes make it to market. So, nearly every market has seen a significant shortage of inventory.

This lack of inventory with the demand is doing what is normal, it is pushing prices up. This is a good thing since many owners who didn’t have an option out of their home except foreclosure can now go out on the market as a normal sale. People are still talking about the shadow inventory, but we really don’t have to fear a dump of inventory any time soon. If there is a change of REO’s being released to the market, it will be 9 – 12 months before they actually make it to the marketplace so this can be followed.

Lastly, if you look at the cost to rebuild a home in the Atlanta market, you will find that we are still buying well below the rebuild costs. This is one of the strongest indicators to me that the homes in Atlanta are still a great value. If you have any other questions or concerns regarding this, write me an email ( and let me hear from you. Don’t wait too long to make a decision to invest, as I mentioned in the beginning of this segment, I expect prices will go up again and some point the bargain rack of Atlanta will back to normal pricing!

Take Care,

By |March 6th, 2013|Atlanta RE Market, Lori's Corner|0 Comments

Lori’s Corner – Am I Crazy or Courageous?

Ok, I am back in the saddle again, of my bike that is. Yes, you know it could have been my horse or maybe even my cow!

In 2010, I trained with Team in Training to accomplished a feat I didn’t know I could, I rode my bike 100 miles around Lake Tahoe. It was 6 months of hard training with very skilled coaches who I both loved and hated at the same time. It was riding in the rain, the cold fog, the beautiful sun – going up hills that cars even struggle and flying down the other side like I was soaring on the wings of eagles.

It was both a daily commitment of small steps and weekly commitment of spending every Saturday my bike for 6 months. But, crossing the finish line was an accomplishment I will never forget. Not only did I accomplish a great endurance event for my personal edification, I personally raised over $3000 to help the Leukemia & Lymphoma Society (LLS). I had the pleasure of meeting cancer patients battling blood cancers that had a long hard road to walk each day that was much worse than what I was choosing to do. The worst part, is they didn’t choose their endurance battle.

Did you know that every 6 minutes, 1 person is diagnosed with a blood cancer? Did you know that every 12 minutes, someone dies. And this disease is not a respecter of persons. It doesn’t matter if you are 6 months old or 90, black, white, red or purple… it doesn’t matter your profession or financial status.

This year marks LLS’s 25 years of cancer research funding and patient support. Much of the progress that has been made in finding cures for blood cancer has come from LLS. And not only has the research benefited these cancer patients, but other cancer patients and even other diseases. One of the newest treatment drugs is also proving to fight Muscular Sclerosis. How encouraging it that? In addition to funding research, LLS provides patient support services such as information, counseling, financial support and much more.

When I went to orientation this weekend, there were about 200 people in the room all committed to training and raising funds for LLS. The question was asked “If you have been affected by cancer, know someone who has, or have lost someone from cancer, any cancer, please stand.” It was astonishing and overwhelming to see only 3 people in the room still sitting. Well, I can’t cure cancer, but I can ride for the cure and I can fundraise for it. I have decided that it is time to wear “Purple” again and start my training. Not only am I doing it this year, but Annie in our office has also made the commitment.

What I need from you is your commitment to support us! Will you please click on the link below and give something? No amount is too small and every dollar really does help. Please help Team Summit as we ride for a cure. We can make a difference together. Please support us.

Yes, I want to help Team Summit fight cancer!

Take Care,


By |February 14th, 2013|Lori's Corner|0 Comments

Lori’s Corner – Are You Aware?

“Most of us believe that we live our lives based on choice. Not usually! Even if we’re really enlightened, we might make just a few choices during the average day that reflect our awareness of ourselves in the present moment. But for the most part, we’re like robots, running on automatic, ruled by our past conditioning and old habits. That’s where consciousness comes in.”

As I’m rereading Secrets of the Millionaire Mind this quote really stuck out for me. How about you? Are you  truly aware or are you making choices automatically and reacting to events driven by the fears and insecurities of the past. Are you programmed to make winning investments or do you always seem to pick losers? 

“Consciousness  is observing your thoughts and actions so that you can live from true choice in the present moment rather than being run by programming from the past.

If you are not getting the results you want, take a few minutes each day to reflect on what worked well and what didn’t. What were the choices you made to cause the result and what were your emotions related to the choice.

The first step to getting the results you want is to become aware of the choices you are making and why you are making them.

Take Care,


By |February 1st, 2013|Lori's Corner|0 Comments

Lori’s Corner: Happy Thanksgiving!

Just a quick note on this special day of thanks.

The holiday season is upon us once again. Where did the year go??? If you find it please let me know 🙂

Today is a day of thanks and reflection for all we have in our lives.

I’m thankful for…

The many wonderful opportunities that have found their way into my life…

The courage to take a leap of faith when necessary…

The perseverance to move forward even in the darkest of hours…

My astounding team that keeps everything going…

My wonderful clients that make it all worth it…

And last but not least, my amazingly supportive and loving family.

I hope you have a wonderful day with your family and friends, full of food and giving thanks.

May God bless you this Thanksgiving day!


By |November 22nd, 2012|Lori's Corner|0 Comments

Lori’s Corner: He Who Fails To Plan, Plans to Fail

it's time for year end planningCan you believe it, 2013 is right around the corner! 2012 is almost history. It flew by faster than Usain Bolt setting the world record in the the 100- meters. In addition to finishing 2012 strong, one of the best things you can do in your business or for your personal finances is to get ready for 2013 and create a written plan.

I’m in sunny Florida for a 3 day mastermind where I’m reviewing what went well and what didn’t in 2012, flushing out areas where I and my team can improve, and setting specific and measurable goals and plans for 2013. The insight I’m getting by reviewing 2012 is incredibly valuable and the planning I’m doing for 2013 has me pumped up to hit the ground running at the start of the year.

Yearly planning is crucial for business owners and can have a big impact on your results. It’s also essential to do an annual review and plan of your finances. Which of your investments did well in 2012?  Which didn’t? How will your expenses change this year? Will your income change significantly? What are your long-term financial goals and what is your plan to get there? What actions do you need to take this year to position yourself for your long-term financial goals? How many rental properties do you need to meet your long-term financial goals such as putting kids through college or retirement?

The time you spend on your plan will pay for itself many times over so take some time between now and the end of the year to position yourself for a successful 2013.



By |November 16th, 2012|Lori's Corner|0 Comments

Lori’s Corner: My Rental Criteria Checklist

In our featured article this week we cover general screening criteria to avoid deadbeat tenants. Over the years I have developed a comprehensive applicant screening checklist we use at Summit Assets Group to manage properties with great success. This checklist is also one of the many specialized forms, contracts, and checklists I provide in The Cash Flow Code. Quite frankly, just the forms alone in The Cash Flow Code make it a steal.

In the spirit of the thanksgiving season, I am giving this rental criteria checklist to all my readers. You can view the document online or download it and save it on your computer. Enjoy!

PDF Document

Rental Criteria Checklist

Right click here to download.

Feel free to share it with your friends on Facebook, just click the facebook share button below, or tweet it on Twitter.


By |November 8th, 2012|Lori's Corner, Real Estate Investing|0 Comments