The 15 most difficult places to buy a home in the US


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New York City skyline
























For wannabe homeowners in real estate markets full of well-qualified buyers, competition is fierce, according to recent data from online loan marketplace LendingTree. Especially out West.
"Of the top 10 most competitive cities, only two, St. Louis and Boston, were not in a western U.S. state. High-paying tech jobs, common in places like Oregon, San Francisco and Seattle, likely help fuel market competitiveness in some western cities," the site reports.
In the most competitive areas, potential homeowners are vying against other buyers who are often pre-approved for mortgages, have excellent credit scores and are able to offer hefty down payments. They not only have to be strong candidates, but they have to beat out other qualified buyers as well.
Here's the full list of the 15 housing markets were competition is the toughest.
15. New York, New York
Percent of buyers with good or excellent credit: 58
Average down payment: 17 percent
Median home price: $829,000


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Statue of Liberty and New York City skyline.

14. San Antonio, Texas
Percent of buyers with good or excellent credit: 55
Average down payment: 14 percent
Median home price: $239,990

jld3 Photography | Flickr | Getty Images

13. Milwaukee, Wisconsin
Percent of buyers with good or excellent credit: 52
Average down payment: 14 percent
Median home price: $124,900

Peeterv | Getty Images
Milwaukee, Wisconsin

12. Phoenix, Arizona
Percent of buyers with good or excellent credit: 48
Average down payment: 15 percent
Median home price: $275,000

Dennis Macdonald | Getty Images

11. Minneapolis, Minnesota
Percent of buyers with good or excellent credit: 58
Average down payment: 14 percent
Median home price: $300,000

Education Images | Getty Images
Minneapolis, Minnesota

10. Boston, Massachusetts
Percent of buyers with good or excellent credit: 57
Average down payment: 16 percent
Median home price: $699,900

Sean Pavone | Getty Images
Boston, Massachusetts

9. Sacramento, California
Percent of buyers with good or excellent credit: 50
Average down payment: 15 percent
Median home price: $312,650

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Downtown Sacramento

8. Seattle, Washington
Percent of buyers with good or excellent credit: 65
Average down payment: 19 percent
Median home price: $689,950

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Seattle, Washington.

7. Las Vegas, Nevada
Percent of buyers with good or excellent credit: 52
Average down payment: 14 percent
Median home price: $299,900

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Las Vegas, Nevada

6. St. Louis, Missouri
Percent of buyers with good or excellent credit: 54
Average down payment: 15 percent
Median home price: $145,000

Joe Sohm | Photodisc | Getty Images
St. Louis, Missouri

5. San Jose, California
Percent of buyers with good or excellent credit: 65
Average down payment: 19 percent
Median home price: $939,000

Mark Miller Photos | Getty Images
Business district area of downtown San Jose, California.

4. San Francisco, California
Percent of buyers with good or excellent credit: 59
Average down payment: 17 percent
Median home price: $1.3 million

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San Francisco, California

3. Portland, Oregon
Percent of buyers with good or excellent credit: 57
Average down payment: 15 percent
Median home price: $449,900

jose1983 | iStock | Getty Images
Portland, Oregon

2. Los Angeles, California
Percent of buyers with good or excellent credit: 55
Average down payment: 17 percent
Median home price: $799,250

Getty Images
Los Angeles, California.

1. Denver, Colorado
Percent of buyers with good or excellent credit: 56
Average down payment: 16 percent
Median home price: $459,900

Bridget Calip | Getty Images
Denver, Colorado
Interestingly, the most difficult places to buy a home aren't necessarily the most expensive. Although the median home price in Denver, $459,900, according to Zillow, is significantly higher than the national median of $275,000, it's still well below the median in expensive markets like New York and San Francisco.
Other competitive cities are even cheaper: St. Louis, Missouri, with a median home price of $145,000, comes in at No. 6. And Milwaukee, Wisconsin, with a median home price of $124,000, earns the No. 10 spot.
That means that, even in a more affordable housing market, it can still be challenging to buy a home.

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In percentage terms, Canada’s population increased by 1.4 percent in 2018, the fastest increase since 1990 and the strongest among Group of Seven countries. And while it would be ill-informed to attribute Canada’s recent record low unemployment levels exclusively to newcomers to Canada, immigrants continue to play a vital role in the growth and development of the Canadian economy.

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Real estate remains an appealing asset class for investors because of the opportunity to earn recurrent income from rentals. If the market dynamics are optimal, your monthly rental income can fully offset the expenses associated with servicing your mortgage. Interest rates remain low and so debt is still cheap. If you can access credit, or otherwise have money to invest, consider real estate and purchase a rental property. It is imperative that you do your research and choose the best cities to invest in real estate in 2019.
Table of Contents

• How To Choose Best Places To Invest In Real Estate In The World?
  
• 20 Best Places To Invest In Real Estate In 2019
  • 1. Dallas, Texas
    
  • 2. Houston, Texas
    
  • 3. Atlanta, Georgia
    
  • 4. Orlando, Florida
    
  • 5. Spokane, Washington
    
  • 6. Boise, Idaho
    
  • 7. Tampa, Florida
    
  • 8. Austin, Texas
    
  • 9. Las Vegas, Nevada
    
  • 10. Boston, Massachusetts
    
  • 11. Chicago, Illinois
    
  • 12. Columbus, Ohio
    
  • 13. Seattle, Washington
    
  • 14. Denver, Colorado
    
  • 15. Lakeland, Florida
    
  • 16. Ocala, Florida
    
  • 17. Durham, NC
    
  • 18. Birmingham, Alabama
    
  • 19. Raleigh, North Carolina
    
  • 20. Colorado Springs, Colorado
    
• Foreign Investment In US Real Estate 
  • 5 Best Cities For Foreign Investment In United States Real Estate 2019
    
  • Residential Properties Purchased by Foreign Buyers in United States
    

• High rental occupancy: Check how much of the available housing stock in an area is vacant;
  
• High rentals relative to your mortgage repayments: The more of your mortgage you can cover from rentals, the better; and
  
• A low tenant default rate: The last thing you want is to buy property in an area when tenants frequently miss rent payments.
  

• Los Angeles (tied with New York, #2 last year)
  
• New York (tied with Los Angeles, #1 last year)
  
• Seattle (#4 last year)
  
• Washington, DC (#6 last year)
  
• San Francisco (#5 last year)
  

• Foreign buyers purchased $153.0 billion of residential property from April 2016—March 2017,
  an increase from $102.6 billion during the previous 12-month period (April 2015—March 2016).
  The dollar volume of foreign buyer purchases accounted for 10 percent of the dollar volume of
  existing home sales, an increase from the eight percent share during the previous period.
  
• Foreign buyers purchased 284,455 residential properties, an increase from 214,885 during the
  previous 12-month period. The number of units purchased made up five percent of existing
  home sales, an increase from the four percent share during the previous period.
  
• Foreign buyers who primarily reside outside the United States (non-resident foreign buyers)
  accounted for 42 percent of all foreign buyers, while recent immigrants and foreign buyers who
  reside in the United States on work, student, or other visas (resident foreign buyers) accounted
  for 58 percent. This composition is about the same as that of the previous 12-month period.
  
• The average price of properties purchased by foreign buyers was $536,852, more than the
  average price of $277,733 of all U.S. existing home sales.3 The median price of properties
  purchased by foreign buyers was $302,290, also more than the median price of $235,792 of all
  U.S. existing home sales.4
  
• China remained as the top origin of foreign buyers ($31.7B), followed by Canada ($19.0B), the
  United Kingdom ($9.5B), Mexico ($9.3B), and India ($7.8B). The bulk of buyers from China,
  India, and Mexico were resident buyers, while most buyers from Canada and the United
  Kingdom were non-resident buyers.
  
• Although foreigners purchased property nationwide, five states accounted for 54 percent of total
  residential property purchases: Florida (22 percent), Texas (12 percent), California (12 percent),
  New Jersey (four percent), and Arizona (four percent).
  
• Nearly half of foreign buyers purchased the property as a primary residence.
  
• Most non-resident foreign buyers made an all-cash purchase (72 percent), while a smaller
  fraction of resident foreign buyers paid all-cash (35 percent).
  

Vancouver House Prices Fall By $7,000 A Month As Sales Hit Record Lows

Payback is a b*tch.

There's no letup in Vancouver's housing market correction, the latest data from the region's real estate board shows.

If you own residential real estate in Greater Vancouver, it's likely your property's value is back to where it was in 2016 or 2017.
The latest data from the Real Estate Board of Greater Vancouver, released Tuesday, shows no letup in the region's housing correction, with sales down 29.1 per cent in April, compared to the same month a year ago. Sales were little more than half their average over the past 10 years, REBGV noted.
According to blogger and realtor Steve Saretsky, sales of all housing types hit their lowest level since 2000, while detached home sales were the lowest on record.

Detached home sales were the lowest on record this April and down 70% after peaking in 2016. Probably safe to assume prices need to move lower to get sales volumes back up. 

The benchmark price for all housing types in the area is down 8.5 per cent from a year ago, to $1.008 million. This works out to a decline of about $7,000 a month over the past year, and it puts the benchmark price back to where it was in June, 2017.

The correction has been more severe in detached homes, with the benchmark price falling 11.1 per cent over the past year, to $1.425 million. That amounts to a decline of about $15,000 per month, and it brings prices back to levels last seen in April, 2016.

If there's any good news here it's that, on a seasonally adjusted basis, home sales rose 5.9 per cent in April from the month before. But prices didn't follow the trend, and either fell or stayed flat from March to April.

In a now-familiar refrain, REBGV President Ashley Smith pointed the finger of blame directly at government policies, particularly the mortgage "stress test" now in force for all mortgages at federally-regulated lenders.
"The federal government's mortgage stress test has reduced buyers' purchasing power by about 20 per cent, which is causing people at the entry-level side of the market to struggle to secure financing," Smith said in a statement.
"Suppressing housing activity through government policy not only reduces home sales, it harms the job market, economic growth and creates pent-up demand."

But not everyone believes the stress test is the primary cause of the slowdown. A study from the Bank of Canada that looked at the flow of money through mortgage markets between 2015 and 2018 concluded that the stress test is responsible for less than a fifth of the decrease in home sales over that time.
The Bank attributed the vast majority of the slowdown to rising prices and mortgage rates that have pushed many properties out of affordability range for buyers.
But a report from TD Bank paints a different picture, suggesting the test was responsible for "sidelining" 40,000 buyers, who now have to save up longer for a down payment. Economists at the bank say the new mortgage rule had the biggest impact on first-time buyers and on Toronto and Vancouver, where buyers are most likely to have to borrow the maximum they can.
Worse ahead?
Other market observers point to the near-disappearance of demand from foreign buyers following the province's foreign buyers' tax in 2016 and more recent measures, such as Vancouver's vacant home tax. That tax has apparently led to many large homes being rented out below market prices.
Some market observers have suggested Vancouver's correction has some way to run yet. Ed Devlin, head of Canadian portfolio management at investment firm PIMCO, recently warned of "particularly significant declines" in house prices as foreign buyers abandon the city.
"The things that are concerning us ... is that there have been a number of local regulations and taxes put in place that have converted Vancouver from probably being the preferred place for Chinese capital flight into real estate to now being openly hostile," he told BNN Bloomberg.

But not everyone believes the stress test is the primary cause of the slowdown. A study from the Bank of Canada that looked at the flow of money through mortgage markets between 2015 and 2018 concluded that the stress test is responsible for less than a fifth of the decrease in home sales over that time.
The Bank attributed the vast majority of the slowdown to rising prices and mortgage rates that have pushed many properties out of affordability range for buyers.
But a report from TD Bank paints a different picture, suggesting the test was responsible for "sidelining" 40,000 buyers, who now have to save up longer for a down payment. Economists at the bank say the new mortgage rule had the biggest impact on first-time buyers and on Toronto and Vancouver, where buyers are most likely to have to borrow the maximum they can.
Worse ahead?
Other market observers point to the near-disappearance of demand from foreign buyers following the province's foreign buyers' tax in 2016 and more recent measures, such as Vancouver's vacant home tax. That tax has apparently led to many large homes being rented out below market prices.
Some market observers have suggested Vancouver's correction has some way to run yet. Ed Devlin, head of Canadian portfolio management at investment firm PIMCO, recently warned of "particularly significant declines" in house prices as foreign buyers abandon the city.
"The things that are concerning us ... is that there have been a number of local regulations and taxes put in place that have converted Vancouver from probably being the preferred place for Chinese capital flight into real estate to now being openly hostile," he told BNN Bloomberg.

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Ways to Lose Weight Without Diet or Exercise
The 14 Best Ways to Burn Fat Fast
Whether you’re looking to improve your overall health or simply slim down for summer, burning off excess fat can be quite challenging.
In addition to diet and exercise, numerous other factors can influence weight and fat loss.
Luckily, there are plenty of simple steps you can take to increase fat burning, quickly and easily.
Here are 14 of the best ways to burn fat quickly and promote weight loss.
uploads/2017/05/belly1.png

1. Start Strength Training
Strength training is a type of exercise that requires you to contract your muscles against resistance. It builds muscle mass and increases strength.
Most commonly, strength training involves lifting weights to gain muscle over time.
Research has found strength training to have multiple health benefits, especially when it comes to burning fat.
In one study, strength training reduced visceral fat in 78 people with metabolic syndrome. Visceral fat is a type of dangerous fat that surrounds the organs in the belly (1).
Another study showed that 12 weeks of strength training paired with aerobic exercise was more effective at reducing body fat and belly fat than aerobic exercise alone (2).
Resistance training may also help preserve fat-free mass, which can increase the number of calories your body burns at rest (3).
According to one review, 10 weeks of resistance training could help increase calories burned at rest by 7% and may reduce fat weight by 4 pounds (1.8 kg) (4).
Doing body-weight exercises, lifting weights or using gym equipment are a few easy ways to get started with strength training.

Quote:Summary Strength training has been shown to increase resting energy expenditure and reduce belly fat, especially when combined with aerobic exercise.

Quote:Summary Eating more protein may be associated with a lower risk of belly fat. Increasing your protein intake can decrease appetite, lower calorie intake and preserve muscle mass.

Quote:Summary Getting enough sleep may be associated with decreased appetite and hunger, as well as a lower risk of weight gain.

Quote:Summary Vinegar may help increase feelings of fullness, decrease calorie intake and lower body fat.

Quote:Summary Fat is digested slowly, so eating it can help reduce appetite. A higher intake of healthy fats is associated with a lower risk of weight gain and decreased belly fat.

Quote:Summary Sugar-sweetened beverages and alcoholic drinks may be associated with a higher risk of belly fat. Green tea and water have been shown to increase weight loss and fat burning.

Quote:Summary A higher intake of fiber may be associated with fat loss, decreased calorie intake and greater weight loss.

Quote:Summary Refined carbs are low in fiber and nutrients. They may increase hunger and cause spikes and crashes in blood sugar levels. Consuming refined carbs has also been associated with increased belly fat.

Quote:Summary Studies show that the more aerobic exercise people get, the more belly fat they tend to lose. Cardio may also help reduce waist circumference, lower body fat and increase muscle mass.

Quote:Summary Coffee contains caffeine, which can increase the breakdown of fat and raise metabolism. Studies show that higher caffeine intake may be associated with greater weight loss.

Quote:Summary HIIT can help increase fat burning and burn more calories in a shorter amount of time than other forms of exercise.

Quote:Summary Taking probiotic supplements or increasing your intake of probiotics through food sources may help reduce body weight and fat percentage.

Quote:Summary A deficiency in iron may be associated with impaired thyroid function and can cause symptoms like fatigue and shortness of breath. One study found that treating iron deficiency aided in weight loss.

Quote:Summary Intermittent fasting has been shown to reduce body weight and body fat and may help preserve muscle mass when combined with resistance training.

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Demand Is Outpacing Supply for New Homes in Central Florida
Over the past year, the Orlando metro area has been the 10th most active market for new-construction home sales in the entire country, according to a recently released report from CoreLogic. The report adds that 15 percent of the area’s total home sales are newly built homes. While the increase in development in Central Florida means more options for home buyers, there are a number of downsides to the current state of the market. In addition to rising prices, it’s easier than ever to miss great opportunities, and competition for new-construction homes in desirable communities is fiercer than ever.

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Aspiring homeowners might gravitate to condos over houses for plenty of reasons: Condos offer less upkeep, look more up to date, and seem to be more affordable. However, the economics of houses may work out better, especially when it comes to selling down the road. Condos also demand certain accommodations when it comes to everyday life, as well.

Defining a Condo
A condo (short for "condominium") is a private residential unit within a multiunit building, project, or community. While the residences are usually apartment-like—they share walls—they can also be semidetached, like townhouses, or even fully detached, too. The residences frequently share common areas, facilities, and amenities, both external (yards, swimming pools) and internal (laundry rooms, garages).

There are two main types of condos: those that were simply converted from rental apartments and those that were originally built as condominiums—sometimes in a brand-new structure, sometimes in a renovated or configured commercial or industrial space. If you can't see the difference, it probably won't matter for future values. Often, however, the rental-conversion type is older and can look or feel cheaper—both of which suggest the need for repairs and more upkeep in the future.

A big factor in condo life is the condominium association, run by a board of directors. Responsible for maintaining all the common areas, services, and amenities, it's comparable to a neighborhood homeowners association (HOA). However, because these commonalities in condo ownership are so significant, condo associations are much more powerful. Condo owners pay regular monthly or quarterly fees to their association.

Comparing Condo and House Prices
To make a fair comparison price-wise, buyers should consider the amount of a condo's association fees upfront, and equate that sum to an increased mortgage payment. For example, let's say your condo fee is $250 monthly. At an interest rate of 4.5 percent, that could be an additional payment on a principal loan sum of $50,000: $50,000 at 4.5 percent interest over 30 years equals an additional principal and interest payment of $253.34 each month.

What this means to you is that without a condo fee, you could bump up your price range by $50,000, buy a home, and pay about the same amount every month. In other words, if you were planning to buy a $250,000 condo with a monthly $250 fee, you could spend the same amount and instead buy a $300,000 house. 

Much depends on the amenities that the condo association covers, however. For example, if your fee pays for vital services such as water and trash collection, it includes expenses you would have to pay anyway if you bought a house.


Brianna Gilmartin. © The Balance 2019
Pros to Buying Condos
Several lifestyle-related advantages come with owning a condo.

• State-of-the-art features. If you have your heart set on granite counters, stainless appliances, and an open floor plan, a newer condo usually has them.
  
• Luxurious facilities, features, and grounds. Spas, clubhouses, BBQ areas, tennis courts, jogging trails, and rec rooms are among the amenities that condos offer residents.
  
• Security. Not only are other people residing in close proximity, but complexes are often gated or staffed with guards and have sophisticated security systems.
  
• Concierge services. Many condo complexes have doormen and desk people, along with a custodial staff.
  

• Less maintenance and upkeep. No mowing lawns, raking leaves or replacing broken windows. You are generally responsible for only your interior.
  

• You are often too close to your neighbors. Sounds and smells can travel through adjoining walls.
  
• Your condo fees generally continue to rise. If the building is older, it could require more reserves to pay for roofing, plumbing, and exterior maintenance, which tends to mean higher fees and sometimes special assessments.
  
• There can be a Big Brother aspect to living within a community and conforming to rules you did not create. For example, you might be restricted on the number and types of pets you can have, or where you can smoke.
  

• No matter the layout, a condo is not a house. Most condos are single-story apartments. That means the overall square footage of a two-bedroom condo might be smaller than that of a two-bedroom house. Certainly, it may feel more compact—you won't have the hallways, windows, stairways and other features that impart a sense of space to a residence. Also, a condo usually won't give you a private garden to tend or a private driveway in which to wash your car.