Fowler

Think Housing's Bad? You Ain't Seen Nothing Yet

The areas that are truly, truly vulnerable are those that have been developed based on the second home market and places like Vegas and Phoenix where developers can actually find land or lots to develop (these are always the most vulnerable areas). In the other markets where you have both jobs and great school systems, say Mill Valley or Atherton in NorCal, Sudbury or Brookline outside Boston or Manhattan Beach in SoCal, real houses (i.e., 4 bedrooms) are still appreciating today. In terms of this data, it is based on medians and the median numbers have to come down because the fools kept building houses as long as the street made the money available. Your best strategy is to try to find the best piece of property in the best market you can afford at a fair price and use as much leverage is you are comfortable with. If you can not afford a high quality market, buy income property and save up.

Hercules Technology Growth Capital: Make High-Growth Tech Stocks Pay Dividends

Impossible to obtain venture debt through banks?? Here are banks offering venture debt: SquareOne, Comerica, SVB through their affiliate Gold Hill. But it is not just banks that are putting pressure on HTGC loan officers to put offers out quickly with thin pricing. Western Technology, MMV, Leader Ventures, Costella Kirsch, even GE's finance group are all fighting each and watering down terms in the process, and this does not even account for the venture leasing players. Interest only for a year? No problem. Don't forget subprime mortgage; you mean don't forget Comdisco. Never invest in a capital at risk business run by a salesman.