Leveraging Gold or Jewels to Finance Real Estate Investments

Real estate can be a great investment, both in Arizona and around the country. You can either fix up the property and flip it for a great profit, or you can rent it out and make a little extra each month while you build equity. When the market is right, you can sell any properties you have been holding a few years or more for a big payout. Or at least that’s the theory! (You need a good realtor and the right intuition to be successful.)


Many people do enough research to recognize the right investment opportunities, but they get hung up on finding the cash to finance the purchase. Either they need to put together money for a down payment, or they need to come up with money for the full purchase of a foreclosure or unique fixer-upper. Some also need to put together the money for the renovations to flip or rent the property.

If you own valuables like jewelry or gold, you may be able to leverage them to get the cash you need, either through selling them outright or by using them as collateral for a secured loan.

Keeping an Eye on the Markets

keeping an eye on the marketsThe best way to ensure that you get top dollar for your gold or jewels is to keep an eye on the markets. The price of gold, silver, and other precious metals can fluctuate by the hour. The day you have your items appraised – even the hour you go – will have a big impact on how much you’re able to get.

Watch the markets over time so you can get a good sense of the fluctuations. You can never know for certain what the prices will be, but you can get a good idea of the trends and what the market influences are. When you feel like prices are at a high, take your valuables to a local coin shop or pawn shop to be appraised and to get an offer. Then talk to a Maricopa real estate agent about the hottest Maricopa homes for sale and start your search.

Get an Objective Opinion

getting an objective objective opinionThe lender considering your loan request has a bias toward undervaluing your gold and jewelry. If you default on the loan, the lender can seize those valuables as collateral. If they are actually worth more than you were told, the lender can sell those items and make a profit. It’s an unethical practice, and it’s one that’s hard to prove since the price of these items fluctuates so widely.

Protect yourself by getting an objective opinion from a certified gold or Phoenix jewelry appraiser. You will get a good sense of how much your items are worth, and you’ll be able to use that information as a starting point for negotiations.

Put Together All Valuables

using valuables for a home investmentReal estate isn’t cheap. Fortunately, if you’ve done your research and you’ve identified a good buy, you can be relatively certain that you will get that money back – and then some. Therefore, you might not want to sell your valuables, but you might feel comfortable using them as collateral for a secure loan since you know that you’ll get them back once you’ve paid off the loan (which you’re sure you’ll do once your investment pays off).

Just put together as many valuables as you can to come up with the money you need. Unless you dove down and found The Heart of the Ocean, one necklace just isn’t going to raise you enough money – even for the smallest of renovations. (You’d hardly have enough for a can of paint in some cases!) Take your valuables to a shop that you know has a secure facility. You can rest easy knowing that your valuables are in safe hands while you are paying back your secured loan.

Real estate investing can help you reach your financial goals, but you’ll need to have a good chunk of change to get started. If you are coming up short, consider using your gold, jewelry, or other valuables to close the gap by selling them or getting a secured loan.

When you are ready to start investing in Arizona, The Maricopa Real Estate Company can help you find the perfect Maricopa homes for sale to meet your goals. An experienced real estate agent from our team will work closely with you to find the perfect property. Your Maricopa realtor can also give you advice about the best lenders to work with to get great rates and make your investment affordable. Call us today in Arizona if you want to buy a home for sale in Maricopa or the surrounding area.

Guest Blog Published By:

The Maricopa Real Estate Company

21300 N John Wayne Parkway #101

Maricopa, AZ 85139

Office: (520) 350-1091
Email: [email protected]