Welcome to RBS Homes

If you are searching for a secure, stable investment with high current income, consider direct real estate investment through RBS Homes We offer single-family, detached homes and a unique owner support package--RBS InvestorCare-- specifically designed to produce strong cash flow while eliminating the headaches traditionally associated with direct ownership of investment property.

The  Investment in a Nutshell

1. You buy a an investment home from RBS Homes. We carefully select each home for desirability to renters and for value growth. We completely restore each home to better-than new condition, and we we place a long-term tenant in each home.   

2. Each month you receive the rent deposited directly in your bank account, if you choose auto-deposit. If you have paid cash for the home--approx. $110,000 to $130,000--then you receive net cash flow of about 9% annually. If you financed the purchase with a conforming loan (about 75% of value, at about 5.5% interest), you pay only about $30,000 and receive net cash flow (after all expenses including the mortgage are paid) of about 15% annually. The example return analysis illustrates the details for a specific property. 

3. Each year you receive depreciation tax deferral of about 3% of the price of the home.

4.  Historically, single-family detached homes in Houston have appreciated at 1.2-1.5x the inflation rate. In the twelve month period--April, 2009 to March 2010--value of these homes has increased by 10.6%, according to Clear Capital. The total annual return in the past twelve months was  about 25%. Of course returns will vary. See the financial analysis for details and conditions.

5. RBS Homes handles all the accounting, tenant management, and maintenance of the property. You receive cash deposits monthly, financial reports sent by email, and annual financial summaries in format for uploading directly into your tax program, or for your accountant. We do all the work. You own a stable, reliable investment property that produces annual returns up to 25-28%.

Of course every investment has risks. Read, ask questions, and study before making any investment in income property. We will be delighted to discuss whether an investment in a property from RBS is appropriate for you.  

Our Focus: Passive Investing for Aggressive Returns

RBS focuses on producing investment-quality, detached single-family homes. We purchase homes in good school districts, near business centers, usually less than ten years old, with 3 or 4 bedrooms, to encourage families with young children. These are the most stable renters.

We deliver peace of mind for remote investors with RBS InvestorCare. We provide complete services for acquisition and management of the properties for our investors.

Benefits of Owning Investment Property through RBS Homes: Aggressive Returns

Ownership of investment property through RBS provides five specific benefits:

• High current income – 9+% (all-cash purchase) to 15+% (25% down payment). RBS InvestorCare© provides predictable income. The properties are already rented when the investor takes title, so the investor starts collecting rent on the very first day of ownership. 
• Long-term stability of income and asset value – The Houston metro area has shown steady job growth and population growth over the past ten years, even during the past recession. Jobs and population growth drive mid-market real estate values.  
  
• Security – The investor takes title to each property and has full ownership of it.  
• Inflation protection – Prices for single family residences have tracked 1.2-1.5x the inflation rate for the past 75 years. 
• Significant tax benefits – Tax deductions for depreciation, mortgage interest, travel, property management and maintenance expenses, and the opportunity to defer capital gains for many years. For income property, a buy-and-hold strategy is still a profitable approach, with RBS on the team.  

Benefits of RBS InvestorCare: Passive Investing

RBS Homes provides complete, turn-key property management for trouble-free, hands-off ownership by the investor. We handle every aspect of property management. Read the details about RBS InvestorCare. 

Houston Works

The long-term drivers of residential real estate value are economic growth and population growth. A strong economy produces new jobs, which drive population growth, which in turn drives a strong real estate market.

"Over the past decade, Houston's population has grown by 24%--five times the rate of San Francisco, Boston, and New York. So what does Houston have that these other cities lack? Opportunity. Between 2000 and 2009 Houston's employment grew by 260,000. Greater New York City added only 96,000 jobs. Chicago lost 258,000 jobs; San Francisco lost 217,000; Los Angeles lost 168,000 and Boston lost 100,000."
                              Forbes Magazine, June 7, 2010

Houston is the home for 27 Fortune 500 companies (46 in Texas). In the next fifteen years the Houston metro area will add 1.3 million new jobs, three million new residents, and one million new households (Houston-Galveston Long-Term Regional Forecast). Houston is the fourth-largest city in the United States, with 2.2 million people in the city limits and 5.7 million in the metro area (2008 US Census). The Gross Area Product (GAP) of the Houston metro area was $440 million in 2008, larger than Venezuela or Sweden.