In Hong Kong, the “Mosquito Apartments” sells for $US 2,872 per square foot

HK Mosquito Apt

Buyers in Hong Kong are snapping up “Mosquito Apartments”—180-square-foot flats in luxury high-rises. These tiny dwellings are selling for more than $500,000 in some areas – Source WSJ


Full article WSJ

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Would you spend for “mosquito apartment” or invest in net lease CRE?

What is the monthly net income with the same amount for net lease commercial real estate investment can be collected?

  • Investment capital amount:  $US 2,872/SQFT or $US 516,960
  • Net lease’s capitalization rate (“CAP”) = 5% or $US 25,848 (annually)
  • Term:  minimum is 5+ years

Therefore, your NNN CRE-USA investment will generate $US 2,154 per month.  Please note this is your passive income which will be taxed at lower than your earn income.

Learn more, please visit DAJK Group.

Related articles

  1. Top 6 Terms You Should Know Before Investing in net lease commercial real estate
  2. First Key selection of net lease Commercial Real Estate investment…?
  3. Net Leased Commercial Real Estate (NNN CRE): Step #2
  4. How much McDonald invests in net lease commercial real estate?
  5. BIG BUYER of NET LEASE REPORT – March 2015
  6. TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

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Mortgage Rate Update – May 29, 2015

Mortgage 6

Friday May 29, 2015

MND NewsWire – 5/27

Paid-Off Revolving Debt No Longer Required to be Closed – Fannie

Fannie Mae has issued a slew of updates, clarifications, and extensions affecting its Selling Guide . Announcement SEL-2015-06 includes the following changes. The most notable change …

MND NewsWire – 5/28

Sellers’ Market Drives Pending Sales to 2006 Levels

April saw the highest number for pending sales in nearly nine years the National Association of Realtors® (NAR) said today. The Pending Home Sales Index (PHSI) increased 3.4 percent …

Mortgage Rate Watch – 5/29

Mortgage Rates Back Into the 3’s to End The Month

Mortgage rates moved lower again today , making this the 7th straight day where rates have either held steady or improved. Over that time, no single day stands out as clearly better …

MND NewsWire – 5/29

Realtors Confronting Problems of Structure, Leadership, and Technology

The Definitive Analysis of Negative Game Changers Emerging in Real Estate or D.A.N.G.E.R report prepared for the National Association of Realtors® (NAR) by author Stefan Swanepoel …

§  State, CFPB win Judgment against Florida Loan Mod Scheme

§  FHFA Notes Less Aggressive Home Price Gains

§  Running Out of Ways to Say ‘Housing Weak but Improving’

§  Ebbing Refinance Demand Weighs on Mortgage Applications

§  Ocwen’s Houston Closure; Risks Facing Banks; Cost of Compliance; State Level Lending News

§  New Homes Sales Recover Some of March Losses

§  MBS MID-DAY: After Data, Bonds on Cruise Control at Slightly Stronger Levels

More News from ‘Around the Web’

  • Calculated Risk Blog – 5/29

Friday: Ugly GDP, Chicago PMI, Consumer Sentiment

  • Bloomberg – 5/29

Call It a Sign the Worst Is Over in the Treasury Market Selloff

  • – 5/29

Best and Worst Metros for Baby Boomer Affordability

  • WSJ – 5/29

Fear Bond Buys Would Spark Inflation Misplaced, Cleveland Fed Says

  • WSJ – 5/29

Why U.S. GDP Shrank – At A Glance

  • CNBC – 5/29

US contracts in Q1; dollar hits corporate profits

  • – 5/29

Homeownership Trends Among the Young and Old

  • WSJ – 5/29

New Lift For New-Home Prices

  • CNBC – 5/29

Are you in a buyer’s or seller’s housing market?

  • CNBC – 5/29

Chicago PMI falls more than expected

  • CNBC – 5/29

Consumer sentiment beats expectations

  • CNN – 5/29

Buying a home

  • Bloomberg – 5/29

ECB to Likely Continue QE at Least Until Sept. 2016, S&P Says

  • Calculated Risk Blog – 5/29

Fannie Mae: Mortgage Serious Delinquency rate declined in April, Lowest since September 2008

  • Reuters – 5/28

No change in Greek debt talks after another day of spin

  • CNBC – 5/28

US Treasury market eyes 7-year auction, Greece

  • Reuters – 5/28

U.S. jobless claims up, but still point to labor market strength

  • – 5/28

Mortgage Rates Reach 2015 High

  • – 5/28

Inequality: Is the Fed to blame?

  • CNBC – 5/28

Pending home sales spike to highest in 9 years

  • CNBC – 5/28

Is a reverse mortgage a friend or foe?

  • CNBC – 5/28

Why is Yellen skipping Jackson Hole?

  • Market Watch – 5/28

Williams says Fed likely to raise rates at some point this year

  • Market Watch – 5/28

The Fed: Fed’s Bullard says he now favors targeting nominal GDP

  • CNBC – 5/28

Fuld: No one thing caused the crisis

  • Reuters – 5/28

Fed’s Bullard: low rate vow is ‘not helpful,’ GDP targeting is

  • CNBC – 5/28

Cleveland home prices soar as foreclosures clear

  • WSJ – 5/28

Hispanics to Drive Housing Demand in Coming Decades, But Obstacles Persist

  • Market Watch – 5/28

Your house is no key to Warren Buffett-like riches

  • CNBC – 5/28

Great time to buy: Home Builders Assoc.

  • Bloomberg – 5/28

Not Buying a Home Could Cost You $65000 a Year

  • WSJ – 5/28

Kocherlakota: ‘Mistake’ for Fed to Raise Rates in 2015

  • Calculated Risk Blog – 5/27

FDIC: Fewer Problem banks, Residential REO Declines in Q1

  • The Big Picture – 5/27

Rental Fever

  • Reuters – 5/27

Homebuilder Toll Brothers profit beats estimates

  • Bloomberg – 5/27

One-Third of U.S. Workers Want Longer Hours Even With No Raise

  • Calculated Risk Blog – 5/27

Expect Case-Shiller National House Price Index up 4.0% year-over-year change in April

  • CNBC – 5/27

Toll Brothers CEO: Very strong housing market

  • – 5/27

Freddie Mac Issues Monthly Volume Summary for April 2015

  • WSJ – 5/27

Loans For Builders Not Quite Keeping Pace

  • – 5/27

Nearly 80 Percent of Top 100 U.S. Housing Markets Improving

  • Bloomberg – 5/27

ECB Keeps Europe’s Bond Traders Guessing on Frontloading Policy

  • WSJ – 5/27

What We’ve Learned from Yellen and Fischer

  • Bloomberg – 5/27

Maybe Alan Greenspan Was Right About Floating-Rate Mortgages

  • CNBC – 5/27

Mortgage applications drop as refinancing stalls

  • CNBC – 5/27

All eyes on the dollar, bond yields

  • Reuters – 5/27

Bernanke sees no extreme moves in U.S. markets, asset prices

  • CNN – 5/27

House hunting horror stories

  • WSJ – 5/26

Fed’s Yellen Plans to Skip This Year’s Jackson Hole Conference

  • WSJ – 5/26

Housing Bubble? Despite Rising Prices, Most Economists Still Say No

  • Bloomberg – 5/26

New US Home Sales May Rise 10% This Year, Brown Says

  • CNBC – 5/26

Higher rates soon: Portfolio manager

  • Calculated Risk Blog – 5/26

Real Prices and Price-to-Rent Ratio in March

  • Reuters – 5/26

Fed must consider global impact when raising rates: Fischer

  • CNBC – 5/26

Fed’s Fischer: Markets should be ready for hikes

  • – 5/26

Jury Is Still Out on European Central Bank’s Stimulus Program

  • Reuters – 5/26

U.S. consumer confidence rises in May

  • Reuters – 5/26

U.S. new home sales, prices rise strongly in April

  • CNBC – 5/26

US business spending plans rise solidly in April

  • CNBC – 5/26

The Fed is not ‘walking the talk’

  • Bloomberg – 5/26

Bond Traders Uncover Secret to Rates That Fed Just Doesn’t Get

  • – 5/26

Rep and Warranty Relief Begins with the Right Technology

  • Bloomberg – 5/26

The Simple Reason Why Everyone Wants New Corporate Bonds

RESOURCES at Amazon Corner

  1. Buying First Home: Tips, First Home Owners Grant & First Mortage Guide, Home Buying Process
  2. Willie and the mortgage, showing how much may be accomplished by a boy
  3. Should I Short Sale My Home?: You do have choices in this Real Estate Market.

TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship bank Wells Fargo may provide funds for your project.  Please contact us with your inquiry information.

Real Estate Lender

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Currency Exchange update 5/20/15



The USD is slightly stronger against G-10 currencies with the lone exception being the GBP. Among G-10 currencies, the Danish krone and euro show the greatest decline with both lower by about 0.5%. Among emerging market currencies the South African rand, Argentine peso and Turkish lira are all better by nearly 0.3% while a host of currencies are lower with the Russian ruble and Polish zloty off in excess of 1.0%

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us.

Please note a minimum per transaction is $US 100,000
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Resources at our Amazon Corner:

Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship with Wells Fargo bank may provide funds for your project.  Please contact us with your inquiry information.

Real Estate Lender

DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.


What is an alternative investment real estate versus vacation home…?

NET LEASE Big Buyers

Mortgages on vacation properties have harder terms—and more expensive to own than a primary residence.

Is your vacation home an investment property?  Homeowner would need to consider and calculate

  • Cost of the mortgage
  • Insurance
  • Taxes
  • Maintenance & Repair

Lender’s requirement are higher down payment and at least 50 basis point on the second home comparing with your primary home.

In addition, lender would calculate your debt-to-income (“DTI”) against the borrower when they apply for another mortgage.  Under current federal laws, a borrower’s DTI must be 43% or lower to qualify for most mortgages.   This DTI percentage measures the borrower’s overall monthly debt payments relative to income—the lower the debt, the better.

In fact, many lender also calculate the vacancy rates, roughly from 25 to 30% of the year.

Borrower may have to research for lender who are non-traditional lenders for the investment-home market who would willing providing 30-year, fixed-rate mortgage specifically developed for landlords who cannot qualify for loans from traditional lenders.

In general these lenders term at higher interest rate and loan-to-value (“LTV”) is approximately 75% the property’s appraised value.  Please note the minimum credit score is 650.

The rental income covers mortgage payments and still enjoy the property for some personal use.

Here are some consideration for using a vacation home for rental:

Documentation & Paperwork. Borrowers hoping to qualify for an investment loan can expect lenders to ask for proof of ongoing occupancy, such as a copy of the lease and evidence that a security deposit was collected

Higher taxes. Non-primary residences aren’t eligible for homestead exemptions on local property taxes. Mortgage interest on investment homes isn’t deductible for federal income tax purposes.

States and local municipalities require vacation-property owners to collect and pay the same lodging taxes as hotels and charge stiff penalties to nonpayers.

Maintenance & Repair.  Maintenance and insurance costs will have higher rates than homeowner’s policies. Vacation rentals also require cleaning and marketing, which can be handled by a real-estate management company—at an additional cost.


Alternative, net lease commercial real estate (“NNN CRE”) investment is a long term, secured by real estate, low risk, reasonable yield and fixed income.  You may not need to factor a maintenance and repair if you know how to select a right net lease property.

  1. BIG BUYER of NET LEASE REPORT – March 2015
  2. Top 6 Terms You Should Know Before Investing in net lease commercial real estate
  3. Typical net lease commercial real estate
  4. Net Leased Commercial Real Estate (NNN CRE): Step #2
  5. TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

Please subscribe for our monthly selection of NNN CRE USA and investment resources.

Also, please sign up for your free consultation if you need further discussion.

Resources at Amazon Corner

  1. The Little Book of Triple Net Lease Investing: Second Edition
  2. The NNN Triple Net Property Book: For Buyers of Single Tenant NNN…
  3. The Little Book of Triple Net Lease Investing
  4. The Due Diligence Process Plan Handbook for Commercial Real Estate…
  5. Real Estate Mail Box Money: The Passive Investors Guide to…
  6. Investing in Retail Properties a Guide to Structuring Partnerships…
  7. How to Succeed in Commercial Real Estate
  8. How To Win In Commercial Real Estate Investing: Find, Evaluate…
  9. What Every Real Estate Investor Needs to Know About Cash Flow…
  10. The A B C’s of SITE SELECTION: How to Pick Winners and Avoid Losers
  11. Commercial Real Estate Investing For Dummies


Case Study: Sale-Leaseback Technique of Wendy’s and McDonald


Wendy’s Refranchising 640 Stores

Following a pattern we’re seeing in the wider market, Wendy’s this week announced that they were going to sell as many as 640 stores to their franchisees. This on the heels of McDonald’s announcing they would do the same for 3,500 stores as part of their effort to boost the bottom-line.

It’s not exactly clear how many, but certainly some sizeable percentage of these stores may be candidates for sale-leasebacks by the Franchisees. Sale-Leaseback activity in the franchise space has been brisk this year and a flurry of new inventory of this type is exactly what the market is looking for.

With constrained supply and high demand, these franchisees would likely have no problem doing sale-leasebacks to help them finance the store purchases, particularly if the stores in question have a good sales history and the franchisee is substantial enough.

This refranchising trend has been increasing lately largely as a mechanism of the franchisors to trim corporate overhead costs.  [1]

Why and How?

Commercial real estate owner find ways to generate revenue and increase capital. A sale-leaseback technique unlock the equity a company has in its real estate and to convert that equity into cash. This involves selling the institution’s headquarters or branch offices and simultaneously leasing them back long-term.

In addition, many property-owners are recognizing the tax benefits and other advantages of these transactions. Finance adviser/consultant can advise clients on the benefits and help them find sale lease back providers.

In general by sale-leaseback its property, a property-owners can lower its operating costs and use that money to increase its cash flow.

Six benefits of sale-lease back transactions:

1)  Favorable Impact on Earnings.  A sale-leaseback transaction converts noncurrent fixed assets such as real estate into current liquid assets— i.e. cash.  It can generate a gain on the sale when properties’ market or appraised values are more than the depreciated book value. Property-owners often can improve their earnings by reinvesting the cash at a greater rate, retiring high cost debt funding mergers and acquisitions, expanding operations, or taking advantage of special investment opportunities.

2)  Total Facility Control. Simultaneously with the sale, the company leases back the property for an initial lease term — typically 15 years with renewable five-year options. In effect this gives the company control of its real estate for at least 40 years. This would be identical to ownership of the property’s normal useful life.

3)  Low cost of Money.  A sale-leaseback transaction can be a quick economical way to raise capital compared to the process of originating a new stock issue. Issuing new stock may result in an ownership dilution at unfavorable prices or with unwanted investors.

The leaseback is a low-cost technique that avoids these consequences as a rule, a sale-leaseback transaction should provide capital at an effective cost of 100 to 150 basis points less than that of long-term mortgage financing or the long-term conventional debt market. It should have no restricted covenants and no principal repayment after all lease payments.

4)  Recapture all costs. In a typical sale-leaseback transaction, the company would recapture all costs relating to the property’s current market value, including legal fees, surveys, architectural engineering, title, and any other closing costs or property- related fees. This contrasts to conventional long-tern mortgage financing, which is usually restricted to percent of the current market value.

5)  Regulatory Compliance. The cash a business receives from a sale-leaseback transaction can help it improve its primary and total capital-to-assets ratios The profit on a sale-leaseback transaction from depreciated value to current appraised value can increase a company’s net worth.

6)  Off-balance-sheet Finance. By carefully structuring an operating lease, the transaction would not require capitalization under Financial Accounting Standards Board is criteria.  In turn, this allows off-balance-sheet treatment, which in effect would have a more favorable impact on the company’s earnings and improve its financial ratios.

RESOURCES from Amazon Corner

  1. Principles of Real Estate Syndication: With Entertainment and Oil-Gas Syndication Supplements Included
  2. Maverick Real Estate Financing: The Art of Raising Capital and Owning Properties Like Ross, Sanders and Carey
  3. Real Estate Investment
  4. Real Estate Finance


[1] Wendy’s Refranchising 640 Stores

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Mortgage Rate Update – May 8, 2015

Mortgage 6

Friday May 8, 2015

Mortgage Rate Watch – 5/8

Mortgage Rates Lowest This Week After Jobs Report

Mortgage rates had been under heavy attack for several weeks before finally striking back yesterday. The counterattack could only go so far with today’s important Employment Situation …

MND NewsWire – 5/5

Are There More First-Time Buyers Than we Think?

Given how critical first-time homebuyers are to the housing system the Urban Institute says it is important to accurately measure how present they are in the market. The National Association …

MND NewsWire – 5/7

Mixed Signals in Fannie Housing Survey

Fannie Mae said on Thursday that while the results of its April National Housing Survey showed some improvement in housing sentiment, it was “likely not enough to trigger any breakout …

MND NewsWire – 5/5

Supply/Demand Pushing Home Prices Higher

Nationwide home prices are now within 10 percent of their pre-crash peaks and seven states have surpassed those peaks, some have been establishing new high marks for several months …

  • Banks Agree to Remove Credit Notations on “Zombie” Debt
  • GSEs Continue Financial Winning Streak
  • Vendor Updates; SAFE Act Changes on The Way?
  • Servicer Complaints Ebbing with Delinquencies
  • Final Rules for AMC Supervision Released by Regulators
  • MBS MID-DAY: Bullet Dodged After Weaker NFP, But More Coming?
  • Earlier Intervention Policy is Best for Housing Boom/Bust Cycles
  • 10% of Americans are “Credit Invisible”
  • Rate Increases Take Toll on Refi Apps

Today’s Rates

Best Execution
Rate Change
30 Yr FRM 3.87% -0.08
15 Yr FRM 3.17% -0.05
FHA 30 Year Fixed 3.75% +0.00
Jumbo 30 Year Fixed 3.77% -0.06
5/1 Yr ARM 3.00% -0.02

Average Mortgage Rates

Rate Points Change
15 Yr. Fixed 3.47% 1.11 +0.02
30 Yr. Fixed 4.33% 1.33 -0.01
MBA **
30 Yr. Fixed 3.87% 0.38 +0.01
15 Yr. Fixed 3.16% 0.29 +0.01
30 Yr. Jumbo 3.84% 0.35 +0.03
30 Yr. FHA 3.67% 0.23 -0.02
5/1 ARM 2.82% 0.40 +0.06
Freddie Mac **
30 Yr. Fixed 3.80% 0.60 +0.12
15 Yr. Fixed 3.02% 0.60 +0.08
1 Yr. ARM 2.46% 0.40 -0.03
5/1 Yr. ARM 2.90% 0.40 +0.05

RESOURCES at Amazon Corner

Buying First Home: Tips, First Home Owners Grant & First Mortage Guide, Home Buying Process

Willie and the mortgage, showing how much may be accomplished by a boy

Should I Short Sale My Home?: You do have choices in this Real Estate Market.

TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship bank Wells Fargo may provide funds for your project.  Please contact us with your inquiry information.

Real Estate Lender

A Great business consultant must see a white space around the black dot…

Biz Consultant

A business consultant’s job is to consult. Nothing more, nothing less. It’s that simple. There’s no magic formula or secret that makes one consultant more successful than another one.

But what separates a good business consultant from a great business consultant is a passion, drive for excellence and creativity. And–oh yes–a great business consultant should be knowledgeable about the subject he or she is consulting in. That does make a difference.

Creativity is not only helps a Great business consultant can “see” things surrounding of his client’s issue,  but it also provides right guidance and assists with precise and correct solution.  For illustration, place a small black dot on a blank piece of fresh paper represents your client’s issue. It could be involved human resources, account receivable, account payable, expansion funds, equipment, budgeting, personnel, or even community relations. It is your client’s black dot.

Unfortunately majority of good business consultants will see ONLY the black dot.  Their eyes will focus and become fixated on it.  As a great business consultant, you must see all the white space around the black dot.  Fill the white space with all the positive recommendations and solutions. Start to make notes.  Keep thinking and writing.  A great business consultant is constantly searching for right solutions to solve his client’s issue.

Within no time the white space will fade, and the dot will become unnoticeable. Your client’s issue will become workable. Furthermore, involve team members or partner with your client’s black dot. A fresh set of eyes may be all you need to make the impossible, possible. By taking on your client’s issue in pieces and parts, you can develop strategies to chip away at it. In the end, the seemingly insurmountable black dot no longer exists―you have made progress. As a great business consultant you have found ways to cope with and improve your client’s situation.

biz consultant 8

Top 10 Consulting Businesses Thriving Today

Although you can be a consultant in just about any field these days, the current top 10 consulting businesses include:

  1. Accounting:Accounting is something that every business needs, no matter how large or small. Accounting consultants can help a business with all of its financial needs.
  2. Advertising:This type of consultant is normally hired by a business to develop a good strategic advertising campaign.
  3. Auditing:From consultants who audit utility bills for small businesses to consultants who handle major work for telecommunications firms, auditing consultants are enjoying the fruits of their labor.
  4. Business:Know how to help a business turn a profit? If you have a good business sense, then you’ll do well as a business consultant. After computer consulting, people in this field are the next most sought after.
  5. Business writing:Everyone knows that most businesspeople have trouble when it comes to writing a report–or even a simple memo. Enter the business writing consultant, and everyone is happy!
  6. Career counseling:With more and more people finding themselves victims of a corporate downsizing, career counselors will always be in demand. Career counselors guide their clients into a profession or job that will help them be both happy and productive as an employee.
  7. Communications:Communications consultants specialize in helping employees in both large and small businesses better communicate with each other, which ultimately makes the business more efficient and operate smoothly.
  8. Computer consulting:From software to hardware, and everything in between, if you know computers, your biggest problem will be not having enough hours in the day to meet your clients’ demands!
  9. Editorial services:From producing newsletters to corporate annual reports, consultants who are experts in the editorial field will always be appreciated.
  10. Executive search/headhunter firms:While this is not for everyone, there are people who enjoy finding talent for employers.

You decide which type of business consultant you want to be – I choose to be a GREAT one.


Amazon Corner’s Books


  • Consultants News
  • Business Consultants Directory, American Business Directories Inc., 5711 S. 86th Cir., Omaha, NE 68127

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