Niche Pitch


No, I am not talking about the baseball season (although I could be talking about a special 3 finger screwball). I am talking about carving out something special, something you do well, something unique, something that differentiates you from others. What is it?  Do you know? Sometimes, we really don’t know our strengths (or our weaknesses). What does it matter?  Maybe you motor along doing your “thing.”  Maybe you make a big thing of your “thing.”  What is your specialty?  Are you at (or near) the top of your game?  PLAY BALL!

HUD STEALS for you investors who are looking for out-of-state deals (this is just a sample of potential bargains available; click on link for more information; all at investor status; “IE” means FHA-lender repairs are under $5K, “IN” means insurable, OK, for FHA loan as is);who says there are no bargains out there? These HUDs may “go” quickly :


How are Millennials changing the home buying industry? Hey, different generation, different standards and sets of rules…

  • Text not call
  • Done their homework-they have their lists
  • Don’t like surprises
  • Want customer service NOW
  • Live on their smartphone so prefer APPs
  • Want referrals or opinions or ratings
  • Utilize Social Media
  • Want data, no problem, will text over to you
  • Helps if you provide them resources, like contractors
  • Figure a way to pay – they know what they want



Fixed Rates vs ARMs, which is best?  You decide!


American Cities with Highest Employment and Unemployment rates:


  1. Yuma, AZ 23.1%
  2. El Centro, CA 22.7%
  3. Ocean City, NJ 12.3%
  4. Visalia, CA 12.3%
  5. Merced, CA 12.2%
  6. Yuba City, CA 12.1%
  7. Hanford, CA 11.7%
  8. Atlantic City, NJ 11.3%
  9. Fresno, CA 11.2%
  10. Tie: Madera, Modesto, & Stockton, CA 10.7%


  1. Lincoln, NE 2.1%
  2. Fargo, ND 2.2%
  3. Mankato, MN 2.2%
  4. Midland, TX 2.3%
  5. Tie Bismarck, ND, Ames, IA, Logan, UT 2.5%
  6. Tie Iowa City, IA, Grand Forks, ND, Rochester, MN 2.6%


Oh, Boulder, CO comes in tied at #17 with Fort Collins at 3.2%.

So what does this tell you?  California and NY aren’t doing so well. Texas and Northern Mid-west are. College towns have high employment rates.


What does $1M get you in these markets?  Mahtomedi, MN, Arlington, VA, Lake Villa, IL, Redwood City, CA, Miami Beach, FL, Livingston, NJ, Buena Park, CA


Here’s an interesting factoid:  56% of 3.3M HELOCs will reset with higher rates in next 4 years on underwater homes!  States with most resets are CA, FL, IL, TX, & NJ. States with highest percentage of underwater homes are NV, AZ, & FL.  DO you see any trends???


Which states have the highest property taxes?  New York, Texas, Illinois, Connecticut & New Jersey.  States with the highest property tax average: NY, NJ, NH, CT, & HI.

Which states have the lowest property taxes?  Alabama, Wyoming, Colorado, West Virginia, and Tennessee.  States with the lowest average? AL, WV, NM, TN, & IN. Oh, and Realtytrac has an interactive map you can play with!

The latest Mortgage Rates: 30 Year fixed at 3.70% and 5/1 ARMS at 2.90%. Expect investor (non-owner occ) rates to run about ½ point higher on non-owner occ loans. (These are AOL/ reported average rates as of Thursday)




Continue to count your blessings that you live in Colorado…unless you rent…or are looking to buy a house.  Yes, property values have skyrocketed along with rents.  Great if you were in position to “catch the wave;” not so great if you overshot the green by a few yards…or months. Our inventory remains alarmingly low. So little available our market prices cannot help but rise (and rise they are!).  Where’s the ceiling?  Right now, the sky’s the limit.  Don’t forget the real estate SYN CURVE that all housing cycles must pass through. Typically, it’s a 12-year cycle (MOL).  When did we peak?  When did we dip?  When did we bottom out?  Bottom up?  Or are we still on our way up?  Look into your crystal ball and tell me. Our clues are based upon facts and trends. Nonetheless, anything can happen and affect our market.  I’ve seen a few local investors eying International housing markets. The Euro to Dollar ratio is 1:1.1, the best I can remember.  Where’s the low lying fruit?  Stay tuned!



We’re looking for people looking for us!  Our Invest Success Mentorship Program classes start the first Monday of the month. We offer webinars, house tours, and small, personalized classes.  We’ll help you learn where and how to look for deals!  Oh, and our flagship program requires you to REHAB A HOUSE! You’ll have our ear for a year! Amp up your business with custom systems and procedures. Go to our website for more information. Better yet, call us. Nothing ventured, nothing gained!



Call us with tips, rumors, conjectures, deals, and cold cases (we’re thirsty!).  If you’re not on our list and want to be, LET US KNOW. Write, Text, Tweet, Facebook (the verb), E-mail, drop by.  Next Breakfast Club is March 14, bring your blarney! Thank you for helping us help you!


INVENTORY: Inventory flows: CHECK ‘EM OUT!!! Denver, Monument & Loveland. More coming soon!!! NOTE: if you don’t reach us with a phone call (303 338-8000), text us at 303 564-1680.

16497 Curled Oak Dr, Monument. 6 beds, 4 baths, 3 car attached garage. Buy for $356K. LOW fix.

2759 S Osceola St, Denver. 3 beds, 2 baths, 2-car carport. HARVEY PARK!!! Buy for $219K.

13222 Quivas St, Denver.  3 bedrooms, 3 baths, 2 car attached garage. Easy fix. Buy for $280K.

232 Grove St, Denver. Barnum. 2 beds, 1 bath, with 1-car attached garage; buy for $140K.

3231 Oneida St, Denver. 3 bedrooms, 2 baths, Park Hill, Seller REDUCTION! Yours for $245K.

4347 Fillmore St, Denver. 3 bedrooms, 2 baths for $154K.

250 Shupe Cir,  Loveland. 2 beds, 2 baths, 2 car garage. Easy fix. Buy for $215K.

Bon Homepetit!


John Fisher

303 338-8000 



QUOTE OF THE WEEK: If everybody is doing it one way, there’s a good chance you can find your niche by going exactly in the opposite direction.  ~Sam Walton






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