Category Archives: Uncategorized

Lender Investors seek vehicles that provide good returns with low to moderate risk and a low level of work/supervision.  That’s a pretty generic statement that means different things to different people, but some examples include T-Bills, CDs, 1st TDs, Muni … Continue reading →

A recent article in the San Diego Daily Transcript by economist Alan Nevin, discusses the rising inequality in our nation. Alan says “….The inequality is being exacerbated by the marriage of college-educated people to other college educated people. The incomes … Continue reading →

Americans don’t spend a lot of time watching traditional network television anymore, but when we do occasionally turn on the news or check the weather, the proportion of advertisements for pharmaceuticals certainly is striking. There are ads for drugs for … Continue reading →

Federally insured Certificate of Deposits (CD) have traditionally been a comforting option for conservative investors.  As long as the FDIC is solvent and your savings are not in excess of the insured limit, it is a worry free form of … Continue reading →

After recently attending a conference featuring Stan Humphries, the Chief Economist of Zillow; San Diego’s well known real estate consultant Gary London; and State of California Controller John Chiang, I came away with a feeling of calm that has not … Continue reading →

Ever since the Hedge Fund industry has been snapping up thousands of distressed single family homes across the country, many savvy investors have decided to jump on the proverbial band wagon and follow suit. PHF has been providing some of … Continue reading →

By Lily Leung August 31, 2013 Nearly 30 percent of San Diego County homes sold in July were purchased with cash, much higher than the historical average of 16 percent. What does the continuing high level of all-cash buyers tell … Continue reading →

Last month we discussed bubble talk in the housing market and noted that the Case Schiller index for San Diego showed that prices are 30% below their 2006 peak and that mortgage rates (at 4%) were 40% below the 6.7% … Continue reading →

These days, it’s hard to make statements about the economy without being specific as to the location. There is talk of another housing bubble, talk of all the Hedge Fund buying, etc. etc. What we do know in San Diego … Continue reading →

It’s not that simple and it depends on your investment style as well as your source of funds. We just offered a great little $455,000 loan at a stunning 52% LTV and the response was minimal. That’s our fault for … Continue reading →