Ryan Dosen
Ryan Dosen’s Bio
Ryan Dosen is a real estate professional that lives in Naples, Florida. Ryan Dosen is also the Director of Consulting for Ciprani Consulting, a real estate consultancy firm that provides recruiting, training, and coaching services for many of America’s top real estate agents, teams, and businesses.
Prior to his work as a real estate consultant, Ryan Dosen was Vice President of The Jack Coden Group of Keller Williams Realty in Miami, the #1 real estate team in Miami, FL with Keller Williams Realty. While managing his team, Ryan Dosen oversaw all team operations and real estate agents and professionals. He also designed and orchestrated all team digital, social media, and print marketing campaigns.
Ryan Dosen was recently recognized by the South Florida Business Journal as one of its “People on the Move” for 2016: Ryan Dosen – People on the Move (2016)
Ryan Dosen is also a real estate columnist and special contributor to the Miami Herald. Here is Ryan Dosen’s most recent article in the Miami Herald, discussing how Hispanics are leading American new home formation.
He was also a real estate columnist for West Chester, PA’s Daily Local News. Ryan’s columns discussed the latest news and developments in both the local and national real estate market. Check out some of Ryan Dosen’s Daily Local News real estate columns.
Ryan Dosen was also recognized in 2014 by The Business Journals as one of the “People on the Move” for the Philadelphia area: Ryan Dosen – People on the Move.
Ryan Dosen’s Experience
Director of Consulting at Ciprani Consulting ( 2017 – Present | West Chester, PA )
Vice President at Keller Williams Real Estate – Miami – The Jack Coden Group (2016 | Miami, FL ).
Team Manager at Keller Williams Real Estate – Brandywine Valley – The Wayne Megill Team ( 2013 – 2015 | West Chester, PA )
Ryan Dosen’s Education
University of Miami (2001-2004) Juris Doctor (J.D.)
University of Miami (1997-2001) Bachelor of Science in Computer Engineering (B.S.)
Ryan Dosen’s Interests and Activities
Ryan Dosen is the lucky husband of Victoria Dosen and proud father of three. Ryan is a fanatical University of Miami Hurricane fan. He also cheers hard for the Miami Dolphins, Miami Heat, and Miami Marlins. Ryan Dosen enjoys playing sports and doing CrossFit for recreation. This is a link to Ryan Dosen’s CrossFit Profile. Ryan Dosen is a CrossFit Level 1 Coach. He coached periodically at Brandywine CrossFit in West Chester, PA. Ryan periodically competes in CrossFit competitions.
Ryan Dosen’s Real Estate Publications
The New American Majority of Single Adults and the Impact on Housing
The New American Majority of Single Adults and the Impact on Housing By Ryan Dosen The number of single American adults has been rising for years and singles now make up more than half of the American adult population for the first time ever. Depending on your perspective, this increasing tendency toward a more solitary existence could be a cause for concern or a positive sign of societal evolution. Regardless of viewpoint, the shift has been in the works for years and it is not likely to change course. All we can do is take a look at the implications of our new society, where it is now the norm to be alone, or shall we say, independent. Yardeni and Single America The Bureau of Labor Statistics says that in 1976 only 37.4 percent of Americans that were 16 years or older were single. The number of single Americans has been steadily climbing ever since, and now 124.6 million Americans, or 50.2 percent of Americans aged 16 years or older, are now single. This jump from about a third to more than half adult Americans being single signals an interesting and important change in the way our society should be viewed. Economist Edward Yardeni, president of Yardeni Research Inc., recently released a report entitled “Selfies,” calling the shift “remarkable.” Yardeni says that an increasingly single America has “implications for our economy, society and politics.” He says that singles, especially young singles, are more likely to rent and less likely to have children. Not having children obviously impacts how much money those individuals have to spend and on what...
Freddie Mac’s Market Indicators Point Toward Continued Housing Improvement
Freddie Mac’s Market Indicators Point Toward Continued Housing Improvement By Ryan Dosen Freddie Mac’s second quarter Multi-Indicator Market Index (MiMi) was released in late August. The report showed that the nation’s housing markets “continued to plod along in the second quarter of 2014, while most U.S. housing markets remain generally weak….” However, there were several signs that Pennsylvania’s real estate market is set to continue its climb from the early year doldrums. About Freddie Mac and the MiMi According to Wikipedia, the Federal Home Loan Mortgage Corporation, commonly known as “Freddie Mac”, was created in 1970 “to expand the secondary market for mortgages in the U.S. Along with other (government-sponsored enterprises), Freddie Mac buys mortgages on the secondary market, pools them, and sells them as a mortgage-backed security to investors on the open market.” As one of the most important cogs turning the wheels of our real estate market, Freddie Mac has to keep close tabs on housing. That’s where MiMi comes in. Freddie Mac states that its monthly MiMi “measures the stability of the nation’s housing market, as well as the housing markets of all 50 states … and the top 50 metro markets. MiMi combines proprietary Freddie Mac data with current local market data to assess where each single-family housing market is relative to its own long-term stable range by looking at home purchase applications, payment-to-income ratios (changes in home purchasing power based on house prices, mortgage rates and household income), proportion of on-time mortgage payments in each market, and the local employment picture.” MiMi composite scores can range from 0 to 200. Scores of...
Total Cost Analysis and the Dreaded ARM
Total Cost Analysis and the Dreaded ARM By Ryan Dosen The adjustable rate mortgage (ARM) has taken its lumps over the past decade. Many of them well-deserved. However, there may be reason to consider taking another look at the ARM. The numbers behind the ARM may make more sense for your real estate and financial goals than you might anticipate. History of the ARM The ARM earned its less-than-sparkling reputation back in the devastating real estate collapse of the 2000s. During the real estate bubble, tons of people were saddling up for the ride with adjustable rate mortgages and negative amortization mortgages (mortgages that allowed you to avoid paying full principal and interest payments in the beginning by simply tacking the unpaid amounts on to the end of the mortgage—increasing your balance over time). The goal was to pay as little as possible out of your pocket in the beginning stages of loan payback. You weren’t going to hold on to the mortgage for 30 years. You were just taking advantage of a hot market. You’d pay 4 percent interest for a couple of years, while allowing the property values to increase by 20 percent. You’d sell relatively quickly, take a fast and easy profit, and be long gone before the rates would ever change. Or so you thought…. The low initial payments also allowed you to qualify for more house and bigger loans than normal. After all, your loan qualifications had been based upon the initial payments, not the payments you could be forced to make a few years down the road after the rates were recalculated. Of...Connect with Ryan Dosen on Social Media
