In movies and TV shows the business of real estate is often associated with millionaires and even billionaires. Home owners are real estate investors and as you probably know, most home owners are not millionaires. Many people tend to think about commercial real estate as shopping malls, skyscrapers and office buildings for multinational corporations. In reality, the second largest category of real estate consists of small to medium sized business properties; the corner shop grocery, the neighborhood hardware store and your local restaurant are just a few examples. The value of these properties doesn't usually run into the millions and many are owned by people that are not millionaires. Of course refinancing your home to raise investment capital is not something you should do overnight without careful consideration of the consequences. What happens if interest rates go up? What impact would a decline in real estate prices have on your financial situation? Many

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