Transcendent Investments Management can offer investors returns in excess of 20% annually. One of the approaches to investing that they take that makes them unique is their systematic data-collection and their methodical plan of action. They spread out the capital that is invested with them to minimize risk across many locations and many real estate projects.

As part of their unique investing approach, Transcendent Investments Management with Jordan Kavana uses state-of-the-art technology to find their investments. With a customized web based system, TIM has daily, and even hourly, updates on the markets across America and on different opportunities as they arise. This system allows TIM to be on the cutting-edge of information about properties that are selling, markets that are slowing down, purchase prices as they happen and more.

TIM actively invests in the many properties that they purchase for resale and for rent and they make educated decisions using their technological edge.

Travelers to New York will find two wonderful hotels which are proud members of Small Luxury Hotels; The Iroquois New York and The Inn at Irving Place.

The Iroquois is one of four New York hotels run under the Triumph Hotels brand, known for their high level of service and customer satisfaction. Shimmie Horn, scion of a family of hoteliers, runs the enterprise, and his experience and knowledge guarantees that Triumph Hotels, and especially the Iroquois, offer the kind of personalized service and profound emphasis on comfort which should be expected and received at a luxury hotel. Shimmie Horn takes special pride in The Iroquois. Its status as a member or Small Luxury Hotels of the World means he has taken customer service to the next level at the Iroquois.

The Inn at Irving Place, the only other New York hotel flying under the banner of Luxury Hotels of the World, is a unique combination of old world charm and state-of-the-art elegance. The Inn is composed of two renovated classic New York townhouses constructed in 1834. Its location in New York’s historic Gramercy Park area gives the Inn a classic, authentic charm almost impossible to match in today’s world of mass-produced, high-tech luxury. At the Inn guests are treated like family, with their every need and whim addressed.

Whether visitors to New York stay at the Inn or at Shimmie Horn’s Iroquois, they can rest assured that luxury and style is not compromised, and their comfort comes first. This is a promise fulfilled by all hotels which belong to Small Luxury Hotels of the World.

The FHA was created in 1934 in the midst of the worst depression in US history. During the course of the past 77 years close to 40 million US mortgages have been insured by the FHA.  Difficult economic times tend to swell the numbers of FHA loans, due to the excellent terms that they offer in comparison to more traditional types of loans. In 2009, for example, there were more than 3 million applications for FHA loans, almost double the 1.8 million which were filed during the previous year.

Families or individuals interested in either purchasing a home or refinancing their existing mortgage can choose from many reliable and easy to work with mortgage banks in the New York City metropolitan area.

One lender which specializes in FHA home mortgage loans is the Intercontinental Capital Group (ICG.) Dustin DiMisa is the president of ICG which he has taken from its founding in 2005 from $2 million in loan production to $20 million in 2011, on a per-month basis. Dustin DiMisa was able to achieve this result without sacrificing ICG’s quality control standards or risk management goals.

TD Bank is another place from which prospective homeowners can secure an FHA loan. As one of the largest banks in the US, with a main office in Cherry Hill, New Jersey, New Yorkers can be assured that they will get excellent service from this versatile lender.

There are many other lending institutions where a FHA loan can be applied for and obtained. It is worthwhile for aspiring homeowners to investigate all their options, and not give up hope in the face of difficult economic times. Mortgage banks such as TD Bank or Dustin DiMisa’s ICG can be the answer to securing the dream of home ownership for many people.

Bankrate.com, the financial research company, has discovered that New York’s closing costs averaged $6,183 for a $200,000 mortgage. No.2 state Texas is lower by more than $1,200.

People familiar with the state, its expenses, and its taxes, were not particularly surprised by the findings.

“I don’t know that that’s anything new. We’ve seen New York at or near the top for a number of years,” explained Greg McBride of Bankrate.

Newcomers, however, may be put out by the costs. McBride said he doubts they will have a significant impact. “I’m not sure a couple thousand in closing costs are going to deter people if the state income rates and home prices in the New York City area haven’t already,” he said.

Philip J. Aquila Jr., said “when you combine closing costs with our low housing prices, we still are in a very affordable homeownership position versus most of the rest of the country.”

According to numerous experts, it is wise to seek out the best deal. “New York may be the highest cost-state, but there’s still a disparity among lenders operating in the state, so it’s important to shop around and make sure you’re getting the best deal that you can.”

Halstead Property boasts almost 900 sales and rental agents, and in New York, Connecticut and New Jersey has 18 premier storefront offices.  As well, just looking at Manhattan there are six offices and more in Fairfield County, Metro New Jersey, Riverdale, etc.

Another top real estate company in New York is Brown Harris Stevens that actually has a reputation for being a “New York institution older than the City itself.”  It was first opened by Charles S. Brown in 1873 in Lower Manhattan. At the time, NYC only comprised one borough.  It has definitely grown substantially since then.  Today it is known as Brown Harris Stevens, a worldwide leader in NYC’s residential real estate market.

The Intercontinental Capital Group (ICG), run by Dustin DiMisa, which is a residential real estate lender with a reputation for being able to “balance high-level credit risk management while adhering to conservative underwriting policies.”  Prior to his work at ICG, DiMisa gained experience in the field at Countrywide Full Spectrum Lending Division as manager for this residential real estate lender.  Then two years later, at Mortgage Line Financial, as manager Dustin DiMisa worked in the areas of marketing, sales and budgets.

This is excellent news for investors and lenders like Dustin DiMisa, a residential real estate lender and co-founder and President of InterContinental Capital Group in New York City.  Those in the know expect the multifamily vacancy rents to decline in 2011, while the rents will increase 1.4%, particularly in the major metropolitan areas.

Manhattan, in particular, is expected to have a rent growth of about 6%. The Bronx, where there has been an increase in building activity, has seen rent increases of 3.4%.  It is expected that the low vacancy rates will continue there through 2011.  Northern Brooklyn, which has often been a strong renters’ market, will see a drastic increase in rent growth.  Interestingly enough, certain areas such as Stuyvesant, Crown Heights and Bushwick are not expected to have increased growth.

In general, New York has seen a very tight housing market, even during the recession of recent years.  However, as reported by the NAR, Commercial Real Estate Quarterly Market Report and by the Marcus and Millichap Apartment Research Market Update for the Fourth Quarter 2010, all of these areas will show a sharp rise in interest.

While potential rentors will not find these statistics comforting, property owners and lenders like Dustin DiMisa will certainly find these facts reassuring and invigorating.

This is certainly welcome news for residential real estate lenders like Dustin DiMisa, the co-founder and President of InterContinental Capital Group in New York City.

The current project includes a 40 story apartment which will change the flavor of the Sixth Avenue south of 34^th Street location. While it has traditionally been a wholesale and flower district, it will now become a high-end residential and retail location.

While it’s still a shaky time economically for the private construction market, the apartment residential sector has seen more growth than have other sectors.  Effective rents, which include landlord concessions, grew 5.25% in 2010, according to market research firm Reis Inc.

Developer Mr. Durst was quoted as saying, “We’re very anxious to start building again.”  Certainly, time will tell how well the project does, but all indications point to the project helping to revitalize this portion of New York City; and the project points to a revitalization of the real estate economy, which can only be good news for lenders like Dustin DiMisa and many others.