Real Estate Assets

Singapore – The end of terrorism and fundamentalism

2011-04-27T10:15:00.000-07:00

Singapore is a small country of South East Asia. Its population consists of 5 million people. But it is the business and economical centre of the area. This country rises as an independent state in 1965 when its partnership comes to an end with Malaysia. Then only in 1/4^th of the century period, it progressed from third world category to first world category. The behind the scenes factors of Singapore’s fastest progress and getting rid of terrorism are lessons for many of us. Let’s find out the reasons of Singapore’s success. I will also put light in this article that how in the least 46 years Singapore solved its internal, safety, security, political and economical problems.

The Singapore was facing tremendous difficulties when in 1965 it appeared as an independent state. Some of its problems were the disputes with Malaysia, its weak defense system, riots between Chinese and Malaya groups, lack of mineral and natural resources, dependence on Malaysia for its survival etc. But the first Prime Minister (Lee Kwon Yu from 1965 – 1990) of Singapore faced all these challenges and risks with his strong and foresighted leadership. Therefore, it would not be wrong saying that since 1965 the preferences of Singapore leadership have been public welfare, internal peace and economical progress.

Singapore, which was the weaker country in 1965 and was the victim of racial and religious anarchy, how dealt with fundamentalism? How Singapore developed multi culture and what is the reason that this country is an emblem of religious tolerance. The most important factor is foresightedness of the leadership.

When we examine the challenge of fundamentalism in Singapore, four cardinal factors come to light. Firstly, the state policy of Singapore does not provide an opportunity to fundamentalist groups, to create anarchy, crisis or fundamentalism in the society.

In order to develop religious tolerance, the law enforcement organizations and intelligence agencies have adopted a policy to isolate the fundamentalists’ groups from the society. Under this policy the Singapore government has tried that the Islamic Fundamental elements could not mix up with the Muslim population.

Secondly, the Singapore government has developed an educational system which helps in developing tolerance and brotherhood.

Thirdly, discouraged the racial and religious contradictions and encouraged the economical and business activities. Besides, their government tried its level best to provide the basic needs to the public. Government of Singapore eradicated disappointment from the society by giving priority to talent, merit and honesty.

Besides, the government used the soft power to eradicate the fundamentalism, but where it was necessary to use the hard power, didn’t hesitate in doing so.

Fourthly, the Singapore government didn’t make decisions in the scenario of majority or minority, due to which racial or religious groups couldn’t grow. The fact is that when Singapore got freedom, the Chinese majority groups proposed to make Chinese the only accepted language of the country but the Prime Minister Lee Kwon Yu didn’t agree to it because this thing was against their country’s multi-nations policy.

Therefore, there are four national languages which are English, Chinese, Malaya and Tamil. The Internal affairs department played vital role in facing the challenge of fundamentalism. This organization not only deals with the internal security issues but also supervise the activities of groups who create racial or religious anarchy.

After 11^th September, 2001, the internal affairs organization of Singapore tried its level best to stop the activities of Muslim Fundamentalist group “Jamat-ul-Salamia”. In 2002, few of the people of this group who were making plans of terrorism, were arrested. During investigation it reveals that this group has strong relations with Al-Qaida. If the risk of terrorism was not dealt properly in Singapore, their circumstances would be different from now.

There government is taking actions like implementing great educational system, guidance to competent people, providence of uniform style of living and the enforcement of law so as to curb the religious and racial fundamentalism with wisdom.

The important point is the presence of good and sincere leadership. The Singapore government priority is the welfare of the public. Fundamentalism, whether, racial or religious prevails when there is social or economical contradictions and leadership fails to curb it. The Singapore government tried prevailing tolerance and brotherhood on the level of community.

According to the census of 2010, the population of Singapore was 5.8 millions, where Chinese were 75%, Malaya 13% and Indians were 9.2 %. The Muslims population is 15%. When Lee Kwon Yu becomes the Prime Minister of Singapore in 1965, its yearly income was 400 USD per person but when he left his rank in 1990, this income was reached to 22 thousands USD yearly.

Now-a-days this income has been reached to 36 thousands USD yearly. The foreign exchange deposits of Singapore are 400 Millions USD and its rate of yearly economical progress is more than 10%. The rate of education is 100% in Singapore.

In Singapore, there is no corruption because of the most severe law enforcement in this regard. It is also a fact that when in 1965, the Singapore elevated as an independent state, there were issues of anarchy. Even people were facing the problems of basic requirements of life.

Today Singapore is on the third position in the world in regard to level of human progress. The amazing progress of Singapore has been discussed in the book “World before Third World – the story of Singapore 1965-2000” written by Lee Kwon Yu. In this book he states, “We were facing many problems for our survival. Singapore was just like a body without heart.”

Singapore adopted the on-going policy against fundamentalism. The Singaporean government is very much sensitive against the fundamentalism and terrorism. Therefore, they established the world top organization there. The purpose of this organization is to research on aggravation and terrorism. This organization was established in “Nanyang Technological University” in 2007 where experts from all over the world are working against fundamentalism, terrorism and political aggravation.

By Muhammad Irfan Zafar

Content Writer

Contact

2010-11-07T01:45:00.001-07:00

mzirfanblogs@gmail.com

10 Summer Home Mistakes

2010-08-08T04:08:00.000-07:00

Ian and Barbara White-Thomson are selling their dream summer house, an oceanfront five-bedroom on Peaks Island, near Portland, Maine.

They bought it only three years ago. But it's become a 4,208-square-foot burden.

Maine Dilemma

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Bob Delaney

Ian and Barbara White-Thomson's second home on Maine's Peaks Island.

The couple, who make their home in Pasadena, Calif., sunk nearly $1 million into renovations–on top of the $1.8 million they paid for the home in 2006. They gutted the kitchen and redid the living room. They opened up views to the Atlantic Ocean by removing a fireplace that separated the living and dining areas, putting a glass screen in its place.
They say they're still smitten with the place. Nevertheless, last June they listed it for $2.5 million and have since cut the price to $2.3 million.
"The house is really too big for us," says the 73-year-old Mr. White-Thomson, who retired as CEO of Borax, a borate technology company, 10 years ago. "The house is terrific for the one week a year when we can get all of our family and grandchildren there," he adds. He and his wife have three adult children and five grandchildren. "The rest of the time, it's too big, and when we are not there at all it has to be heated and it has to be gardened."

More Second Homes

The White-Thomsons aren't the first couple to get stuck with a too-big house in a far-off locale. But now their problems are compounded by the downturn in the luxury home market.
Prices for high-end houses are the lowest they've been in some time. A good time to buy certainly, but also a good time to get swept away in a less-than-ideal transaction.
Here are some mistakes to avoid when you're looking to buy a summer house:
1. Buying on impulse: "There are residential brokerages with beautiful places on their windows hoping you make that mistake. Don't," says Glenn Kelman, the president and CEO of real-estate site Redfin.
2. Befriending the Realtor: Since many second-home buyers are new to town, often their only 'friend' is their real-estate agent, "who is going to make a boatload of money when they buy," Mr. Kelman says. "Work your connections to find somebody who knows somebody who already lives there." Those people can provide insight into the realities of living in the area and even about a particular property. "There are so many times where the only guy who would buy that house is the only one who has no idea what its history is," he adds.
3. Forgetting maintenance costs: "Often, [second homes] are in extreme places," says Mr. Kelman. "It's expensive to heat the pool in Whistler, British Columbia, and it's expensive to keep the locusts off in Costa Rica." Regardless of location, the costs of landscaping, mowing and pool maintenance must be considered. As the White-Thomsons learned, you'll have to pay those costs even when you're not there.
4. Not thinking about the weather: In some areas, such as Florida, extra insurance for events like hurricanes is an added factor. Storm damages can add to upkeep costs, as well.
5. Buying in a popular spot: A weekend home can pose a problem if it's in a very popular place, like New York's tony Hamptons. Traffic out to Long Island's east end can be a bear on a Friday–and not everyone has their own helicopter. "All of a sudden Friday at 6:00 comes along and they are piling everyone into a car," says Kathy Braddock, a co-founder of Charles Rutenberg Realty. "You spend the entire time talking about what time you should leave on Sunday to avoid the traffic," she adds.
6. Buying in the boonies: If air travel is required to get to the second home, it should be reasonably close to the airport, Mr. Kelman says. "You don't want to fly there and then rent a car and drive there for God knows how long," he says. "If it's in the boonies near where you live, you don't want it to be so far away that you can't get there without ducking out of work at 4:00." For the White-Thomsons having a second home closer to their primary residence in California may have allowed them to use it more, but they made a commitment to use the home at least two months a year. "If you don't use it, it's a tremendously expensive hotel," Mr. White-Thomson says.
7. Forgetting that you might have grandchildren: Empty nesters who buy a second home may outgrow it quickly when grandchildren start to arrive. "I hear lots of stories of people buying, say, a condo in Florida that they plan to retire in," says Amy Bohutinsky, a vice president of communications at real-estate site Zillow.com. A condo sounds great when the kids are in college, but soon enough you have grandchildren. "What used to be a family of four is now a family of eight and kids running around and all of a sudden you can't fit."
8. Forgetting that you might not want to see your grandchildren: On the other hand some empty nesters don't want to accommodate the entire family. "It's kind of a chance to cleanse" after years of needing ample storage space and extra rooms to accommodate a family, says Ms. Braddock. Rather than maintaining a larger home, it might make more sense to rent hotel rooms for extra guests, she says.
9. Not checking out the rental rates: Those people who use a home only for a few weeks a year and want to rent it the rest of the time should look into the property's rental history before buying, says Jim Oxnam, a broker with Brown Harris Stevens in the Hamptons. "If someone needs the money to pay the mortgage or to improve the house, it might be nice to rent the house for a season," he says.
10. Thinking you want a summer home: "A lot of people get very caught up with the idea that a weekend home would be a lovely thing to have, but I don't think they put a lot of thought into if they really want to go there every weekend," says Ms. Braddock, who lives in New York City.
When her children were young, Ms. Braddock and her ex-husband had owned a second home where the activities revolved around the kids. More recently she rented a cottage in Staatsburg, in New York's Hudson Valley, paying about $2,700 a month on a year-long lease. This time around her oldest was in college and the other in high school, and she and her partner were pretty bored. Looking at antiques, reading the paper and walking around nearby Rhinebeck take up only so much time, she says: "It was the greatest validation that I don't want a weekend house."
Write to Sushil Cheema at sushil.cheema@wsj.com

Joey Fatone Home Up for Auction

2010-08-08T04:03:00.000-07:00

Former 'NSync singer Joey Fatone will auction his Orlando home on Sept. 11. It is currently listed for $6.5 million. The minimum bid for the auction is $3.7 million.
The 1999-built gated estate is on 4.4 acres of lakefront property. The 12,400-square-foot house has six bedrooms and 10 bathrooms. The home has a movie theater with stadium seating, a 10-car garage and a dock with a boathouse. The swimming pool has a grotto area with an enclosed spa and sushi bar, reachable by a small footbridge. There's also a 3,800-square-foot master suite that has a sitting room with a butler's pantry.

Fatone's Orlando

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Tour Factory

Joey Fatone property in Orlando.

Mr. Fatone rose to fame as a member of the popular boy band 'NSync. In 2007, he placed second on "Dancing With the Stars" and he was the host of an NBC game show called "The Singing Bee." Through a representative, he said he's selling his house because he wants to be more centrally located in the downtown Orlando area with his family.
The home was originally listed about a year ago for $5.5 million. A spokesperson for the listing agency says the asking price was raised to match the appraisal price. Sally Andy and David Warren of Stirling Sotheby's International Realty have the listing. The auction will be handled by Worldwide Auction Realty Services.

Larry Gagosian Buys in LA

A Los Angeles home owned by David Bohnett, the philanthropist and technology entrepreneur, has sold to art dealer Larry Gagosian, according to public records. The home, which was originally built for actor Gary Cooper, was listed for $18.9 million. It could not be confirmed what Mr. Gagosian paid for the property.
The 1955-built modernist-style home in the Holmby Hills neighborhood was designed by architect A. Quincy Jones. The 5,700-square-foot house has four bedrooms and 4½ bathrooms. Floor-to-ceiling windows overlook a swimming pool, garden and wooded grounds. A representative said Mr. Gagosian couldn't be reached for comment.
Mr. Gagosian owns contemporary and modern art galleries and represents such artists as Jeff Koons and Damien Hirst.
Mr. Bohnett is the founder of GeoCities, which was later acquired in 1999 by Yahoo. Mr. Bohnett said he sold the home because he owns another place nearby, but declined to comment on the sale price or who purchased the home.
Linda May of Coldwell Banker Previews International had the listing.

Montana Ranch Asks $33 Million

A Montana ranch owned by the widow of Jay Call, the late founder and chairman of Flying J, a Utah-based fuel retailer, has hit the market for $33 million.
The property, known as Dancing Wind Ranch, is just outside of Livingston, Mont., in Paradise Valley, about a half-hour drive from Yellowstone National Park. It includes more than 1,750 acres of land and a 8,100-square-foot main house made of stacked stone and antique timbers. There are also a manager's residence and a guest house on property, as well as two barns.
Mr. Call died in a plane crash in 2003, and the ranch is now owned by his wife, Tamra Call.
Gwen Wagner, the owner of Legacy Lands in Livingston, Mont., has the listing.
—Email: privateproperties@wsj.com

It's a Mod World

2010-08-08T01:59:00.000-07:00

Midcentury-modern-style homes priced under $2 million

PUTNAM VALLEY, N.Y.

$1.175 million

A 2,400-square-foot, three-bedroom, 2½-bathroom home on just under half an acre on Lake Oscawana, about an hour and 15 minutes north of Manhattan.
DETAILS: The 1958-built home sits on 100 feet of private lakefront and has a deck overlooking the water. The owner renovated fixtures with materials that are aesthetically in keeping with the era.
MIDCENTURY REMNANTS: The wood-framed house has large glass sliding panel doors and uses earthy materials like a wood-burning fireplace made of local stone.
MOD MEAL: The Tavern at Highlands Golf Club in Garrison, about a 15-minute drive, is open to the public and serves upscale comfort food.
FRIDAY'S FORECAST: Partly sunny, high 86 degrees.
SOURCE: Todd Goddard of Houlihan Lawrence, 914-406-0588, tgoddard@houlihanlawrence.com.

Mid-Century Modern Living

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Erik Grammer

Pasadena, California home.

PASADENA, Calif.

$1.65 million

A 2,760-square-foot, four-bedroom, three-bathroom home on about a quarter of an acre in the San Rafael neighborhood of Pasadena.
DETAILS: The 1951-built home is situated in a U-shape around a saltwater swimming pool. The home has several exterior walls of glass.
MIDCENTURY REMNANTS: Designed by well-known midcentury architects including Whitney R. Smith, the house is designed to integrate indoor and outdoor living.
MOD MEAL: A 5-minute drive away is La Grande Orange Café, housed in a historic 1930s rail station near Old Pasadena. The brunch menu includes prime-rib hash and huevos rancheros.
FRIDAY'S FORECAST: Cloudy then sunny, high 74 degrees.
SOURCE: Georges Rouveyrol of Sotheby's International Realty, 626-676-5368, Georges.Rouveyrol@sothebyshomes.com.

ATLANTA

$1.45 million

A 4,200-square-foot, six-bedroom, four-bathroom home on a third of an acre in Atlanta's North Buckhead neighborhood.
DETAILS: Though originally constructed in 1966, the home was completely rebuilt two years ago in a midcentury style.
MIDCENTURY REMNANTS: The home has an art studio that has 13-foot floor-to-ceiling glass walls. A backyard was also added when the home was remodeled.
MOD MEAL: 10 Degrees South is about a half a mile from the home and specializes in South African food. The menu includes items such as rack of lamb and vegetable curry.
FRIDAY'S FORECAST: Afternoon thunderstorms, high 96 degrees.

A Glass House in Farm Country

2010-08-08T01:32:00.000-07:00

After 20 years of planning, a couple build their vision in Oregon
On the outskirts of a tiny agricultural town, where hay bales and tractors are the usual roadside attractions, sits a 1,440-square-foot glass box.
Three sides of the house are transparent, made from triple-paned glass, leaving the living area, kitchen and bedroom visible. The fourth wall is clad in cedar siding to protect against the wind in the winter. The glass walls, which climb to 16 feet in some places, overlook the 80 acres of farmland the house sits on, plus vistas of field, sky and mountain.

A Glass House

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John Clark for The Wall Street Journal

Emerson Glass Farm House

Inside, the house is a single chamber of clean lines and cool grays. Rusted steel beams punctuate the glass, and a small oak box inside the home hides a bathroom and office. The kitchen, a Bulthaup unit, is essentially a sheet of silver metal.
The decor is modern and minimal; there are no paintings, photos or television sets. Storage units line the fourth wall. "You don't need pictures and paintings because the mountains change throughout the day with the weather," says owner Marjorie MartzEmerson, 58, who says she and her husband, Paul Emerson, wanted to create a home they felt was part of nature.
It's been more than six decades since architect Philip Johnson, inspired by Mies van der Rohe's Farnsworth House in Illinois, completed his iconic Glass House in Connecticut. But homeowners willing to follow that example are "quite rare," says Scott Frank, spokesman for the American Institute of Architects, adding that the population of possible owners is limited to "people that are very comfortable with themselves."
Completed in 2008, the house is testament to the determination of the couple, who spent two decades planning to build their vision. The couple, who work for Hewlett-Packard to minimize the environmental footprint of its products, drive a 25-year-old BMW and a 10-year-old Audi. Their primary home is a 900-square-foot apartment in Vancouver, Wash.
The idea for the glass house was born soon after the couple married in 1987, when Ms. MartzEmerson was captivated by a photo of Mr. Johnson's Glass House in a magazine. Though they began looking for a remote, mountain-adjacent lot over the next two decades, considering land in Colorado, Wyoming, Minnesota and New Zealand, it wasn't until 2003 that they came across the 80-acre parcel outside Joseph. They bought the property in 2004 for $250,000, investing more to make the land buildable.
The couple screened four other architects before choosing Jim Olson of Olson Kundig Architects in Seattle, whose firm had designed several of the homes they had clipped from magazines over the years. "It's not every day that someone comes in wanting something so small," says Mr. Olson, whose residential projects usually range from 4,000 square feet to 15,000 square feet. "But I think there's a certain luxury to be able to live in a minimal space surrounded by this incredible amount of nature." The design and construction of the house and a nearby barn, used for guest and garage space, cost about $1 million.
A 78.5-acre parcel of land nearby, with a three-bedroom house, barn and other buildings, is listed for $1.5 million, according to Real Estate Associates.
At work, the couple evaluate emissions for products like printers. Their home is likewise eco-friendly. In the summer, when the sun is high, a ledge running along the south-facing glass wall blocks direct sunlight. Screened windows and patio doors circulate breezes. A set-back concrete slab under the home not only elevates the home off the ground, making it look as if it's floating, but also traps heat in the winter, when freezing temperatures arrive. Argon gas pumped between the panes of glass prevents heat from escaping (radiant heating and a fireplace don't hurt).
"Everybody said, 'How can you build a glass house out where it really gets cold in the wintertime?'," says Ms. MartzEmerson. "Well, it's warm and cozy inside." Monthly utilities for the home run around $35.
Walls of glass are challenging for a meticulous couple who remove their shoes before entering the house. The couple have the glass professionally cleaned once or twice a year (the exterior takes about 10 hours), and regularly clean a few panes during their visits.
Strolling around the property last weekend, the couple pointed out wild mustard and the yellow, frilly stalks of lamb's quarters amid green alfalfa fields. As gray clouds gathered, they speculated about the direction of the storm, then scattered to close windows and put away patio furniture when the wind picked up and raindrops began falling. One benefit of the sudden storms that regularly pass through: "It can help keep the glass clean," Mr. Emerson says.

China's Property Market Starts to Cool

2010-08-08T01:29:00.000-07:00

SHANGHAI—Average housing prices in China fell in June for the first time in 16 months, official data issued Monday show, marking a long-awaited turnaround in the nation's overheated property market.

Dissecting China's Housing Market

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Explore China's booming real-estate market and the government's latest policies through graphics, analysis and video stories.

The nationwide index of urban residential property prices, which covers 70 cities, was down 0.1% in June from May, the National Bureau of Statistics said, marking the first such month-on-month decline since February 2009.
The property price index for June was still 11.4% higher than the same time a year ago, an increase that slowed from the 12.4% rise in May.
Investors are watching these figures closely for an indication of whether China's government can rein in a hot property market without stalling the country's resurgent growth.
Real-estate analysts say they expect further declines in prices and sales in coming months. That, investors worry, may intensify an economic slowdown that began as the government began phasing out the massive spending program it mounted amid the global financial crisis.

Turning Point

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Beijing's stimulus spending fueled the boom in real estate, which became one of the biggest supports for China's economic recovery in the past year. But cheer for the quick resurgence turned into fears earlier this year that the government could be inflating an asset bubble, and sparked discontent at rising housing prices among many Chinese.
In April, China's government made several moves to restrict housing-market speculation.
On Monday, China's housing ministry reaffirmed those moves, which included requiring higher down payments and mortgage rates for many home buyers, limiting purchases by nonresidents and accelerating construction of affordable housing. The ministry denied rumors that these measures might be canceled and said the policies are still being strictly implemented.
On Thursday, Beijing is due to release broader economic indicators for June and the second quarter, which are widely expected to show China's economic growth easing from the first quarter's rate of 11.9%. Market participants will be watching that data for clues of whether concerns about sagging growth in gross domestic product could lead Beijing to relax some of its real-estate-cooling measures.
"We don't see a change in official policy yet, but we're expecting banks to start making more mortgage loans by the end of the year. The GDP number will be a telling sign of whether it could happen sooner," said Michael Klibaner, head of research at Jones Lang LaSalle in China.
Real-estate agencies and private research firms generally reported significant drops in sales in May and June, with many consumers waiting to see how the government's crackdown on the market plays out before making a purchase.
According to the statistics bureau's figures, nationwide property sales in June declined for the second straight month in volume terms, with the floor area of buildings sold down 3.1% from a year earlier, following a 3.4% drop in May.
Some developers are still doing well: China Vanke Co., the nation's largest property developer by market share, posted a 28% rise in June property sales, which it attributed to lower prices on new projects.
Despite softening sales, developers still appear to be building new projects, an important consideration for the government as construction is a major employer. The volume of construction starts was up 55% from a year earlier in June. Total investment in real estate is up 38.1% this year from a year earlier, as of the end of June.
That continued strong investment leads Ren Zhiqiang, chairman of property developer Huayuan Group, to think that the government is unlikely to relax its controls anytime soon.
"The June data will make policy makers very comfortable to continue the policies," Mr. Ren said at a real-estate forum Monday. "They won't easily give up on the controls, as long as property developers keep up relatively fast investment growth and as long as demand persists for land and houses."
The government doesn't appear to expect the full effect of its tightening policies to appear for a few more months.

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Bloomberg News

Traffic passes in front of a housing complex in Shanghai.

"In about a quarter's time, the property market will probably reach a full correction and prices will fall, but it's hard to predict the extent of the price falls," Minister of Land and Resources Xu Shaoshi said this month, in comments reported by the official Xinhua news agency.
Some of the tightening measures, at least those left to banks' discretion, appear to be easing. The government in April encouraged banks to suspend mortgages to buyers of third and subsequent homes, but property agents in Shanghai say people registering to buy a third home have found it easier to get a mortgage in recent weeks. Bank executives say that the requirements that third-home provide down-payments of at least 50% are still being enforced, though.

Working with Realtors For Lease Options

2010-08-08T01:01:00.000-07:00

There are two issues that involve realtors and investors:
1) Should I become a Realtor?
2) How can I

work with Realtors?

Working with Realtors:

Many investors think that real estate agents don't have the best deals, or they have all been picked over by the time they actually hit the market. I believe that some of the sweetest deals are sitting on the market. We automatically think that Realtors or their clients will snatch up the best deals before they hit the market. It is true that some of the best deals do get snatched up before they hit the market, but ……there are many other deals left behind that no one sees. The reason that no one sees them is because they are looking for 'traditional' or what I call 'retail' homes, not 'lease option' homes. These are two very different markets. The retail market is what 90+% of the people and investors understand. The Lease Option market takes up a portion of the remaining 10% of the market.

I look to work with Realtors that understand the concept of lease options and can help their sellers understand lease options. This understanding can take time. Your job is to assist Realtors to understand lease options. I do this by using several techniques. First, I have a letter that I send to a listing agent explaining the concept, second, I have a presentation that I do for my local real estate offices, and third I network and continually tell Realtors what I do. I hear investors tell me all the time that Realtors just don't understand or want to understand what they do. I can only say that patience and persistence pays off. Realtors aren't trained in unique selling techniques, they are trained in the 'Retail Market' which is 90+% of what is out there. As investors, it is our job to continue to help those around us understand what we do so they know when to call us.

The type of home I am looking for through a Realtor is one that the seller:
1) Doesn't need their equity out
2) Doesn't have any equity in their home

When a Realtor hears a seller say, "If my home doesn't sell soon I might have to RENT it!", then the Realtor should think of you. (assuming you have continued to remind them of what you do)

All you need is 2-4 good listing Realtors. They work directly with the sellers and know which sellers are in trouble, which ones can rent, and which homes are vacant. Once a Realtor knows what you do and has a seller that can accept your terms - viola! You are the proud new owner of a lease option.

One of the most important things for anyone is that they get paid for what they do. Realtors are just like everyone else in this regard. When I am taking on an option, I am asking the seller to wait 2-3 years to get cashed out. I don't want to make the Realtor wait that long. If I do, they won't even tell the seller about what I can offer. Why should they? It might not do them any good. They are doing all the work now to get the deal done and want to get paid for it. So I give them the listing agent portion of the commission up front. This is my option fee and is applied to the purchase price when I get my mortgage or when I sell the home. The agent is therefore paid on what they do just as if they sold it conventionally to another buyer. When you sell the home you will be asking for 3-5% down from your tenant/buyer, therefore, you are still minimal or zero down/out-of-pocket. If you aren't a licensed agent/broker and entitled to ½ of the commission, then let the Realtor "Double-Dip". They can get the listing agent portion down upfront from you and the selling agent portion when the home closes in 2-3 years. They will wait for the second half if the first half is paid up front. The second half would just be a bonus that most agents wouldn't expect anyway.

Becoming a Realtor:

Investors tend to be adamant one way or the other about being a licensed Realtor. I am on the side of being licensed. Being licensed has been one of the best tools that I have as an investor. Being licensed allows you access to your database of 'comps' or comparables. This is the data you need to buy and sell real estate. If you have a great Realtor and you don't want to be licensed, fine, but I still think it is better to be licensed than not.

Some investors say it gives you more liability to be licensed. I have two answers to that:
1) What are you doing to create liability?
2) Don't you think a judge is going to know you are an 'expert' anyway when they find that you do real estate investments?

Some investors say that sellers won't sell to you if you are licensed. I find the opposite is true. Most sellers are happy that I am licensed and 'know what I am doing'.

My recommendation is to GET LICENSED!!!

Pocket Listings - Be an Insider and Profit

2010-08-08T00:58:00.001-07:00

One of the most frustrating things early in my

real estate investing career was to see a “For Sale” sign go up on a listed piece of property, call the agent that same day, and hear that the property went under contract the day before the sign was even put out. Furthermore, these deals were often great ones that I would have snapped up given the chance.

What is really going on here is that the agent obtains a “fixer-upper” listing. The agent then “pockets” the listing, offering it to a few insider investor clients. One of these investors sweeps it up, and the deal never hits the larger market. By the time you see the sign, it’s too late. In some areas, a surprisingly high percentage of the houses sold fall into this category, with the agent selling the property before it is even on the market. Agents love to sell a house this way because they make the whole commission (no splitting with the buyer’s agent), and they keep their investor clients, who have listings to give them in the future, loyal to them.

This practice MAY be slightly unethical for the agent, as it is really in the client’s best interest to have the property out on the general market. For example, if the agent advertises the property on the computer MLS (Multiple Listing) system, and places a sign in the yard, numerous parties may want to make an offer, potentially bringing in a higher price. On the other hand, one might argue that the agent helps the client by getting a quick sale, and that the client doesn’t have to accept any offer that is not high enough.

As an investor, we don’t really care. We just want to be on the call-list for this type of deal. We want to wrap these deals up before anyone even knows they are out there. How do we do this? Here is our game plan.

Select Our Agent
When you have narrowed down the area you want to invest in, and you are familiar with the market, you need to create ties to an agent. The agent that you want to select is an agent that does a lot of business in our target area. You can find this agent by simply driving the neighborhood and seeing who has the most “for sale” signs up.

Send A Letter To That Agent With The Following
A) A statement that you are interested in buying investment property in that neighborhood. You don’t mind fixer uppers, and are looking to buy, renovate, and resell properties. The agent will realize that you are going to resell, and that you probably will need to list properties in the future. This gives the agent two chances for profit: The first when you buy, the second if you list with them when it is time to resell the property.

Include a business card with this letter. Optional: attach a magnet onto the back side of the card. Magnets to stick on business cards are available at Office Depot/Staples for a reasonable cost. Your cards can contain the information on which neighborhoods you’re looking for. (Example: “Interested in buying homes in xyz neighborhood to renovate and resell.")

B) Attach a letter from a mortgage broker showing that you are pre-qualified to buy an investment home in the approximate price range of the homes in the target area. In the alternative, get one saying that you have met with the mortgage broker, and the mortgage broker will be handling your financing needs for rental properties. Feel free to let the mortgage broker include some PR about his firm in your packet.

The mortgage broker will bend over backwards for you in the future because he will see that you are helping to build his business. This letter from the broker will make you seem like a real player, i.e. someone who can close on the deal and pay the agent. Mortgage brokers are happy to hand out letters like these to anyone with a pulse. That’s a big secret that most sellers don’t know, but now you do.

C) Optional, but recommended: Attach a newsletter that you come up with each and every month. In it, give information on helpful homeowner tips. You can get your raw information out of any number of books on the subject at your library or local bookstore. Rewrite the content in your own words so you don’t violate any copyrights. For example, you might have one on how to fix a roof leak, or how to select a contractor.

The articles should be valuable to her clients. Tell her that she can copy these and distribute them to her clients. (Leave the top blank so that there is space for her to insert her name with a word processor). Get one to her each and every month. It will keep your name front and center. Topics you can use include:

How to unclog plumbing leaks without a plumber
Replacing broken window panes
How to find good sub-contractors
How to avoid being ripped off by subcontractors
Why you should always keep gutters clean
How to select the right plants for your house
How to replace a cracked tile
How to paint a room
New loan programs and refinancing ideas (from your trusty mortgage broker!)
Basic yard maintenance
Question and answer format is great, i.e.:

Q: “My house recently had a new roof put on. Unfortunately there are some old water stains on the ceiling left over from the old leaky days. I tried to paint over them, but they keep coming back. What would you suggest?

A: Use a quality primer made to cover water stains, like Kilz. The oil or shellac based primer is the product that you will need to use, as opposed to a water based primer. Either of these products may be covered with oil or latex paint. (Check the packaging.) The odors on these primers are extremely strong, so be sure to open as many windows as you can and ventilate the area. You will want to make sure that any loose paint is removed before painting, and that the surface is totally dry. If the stains are especially bad, 2 coats of primer may be required. Because it can take up to 24 hours for old water stains to bleed through the primer, it is a good idea to wait before applying your finish coat.

(There is a good magazine called Family Handyman that contains some great articles you can use for inspiration and accurate content. It should be available at larger bookstores, and is available at Home Depot. Also see This Old House Magazine).

If You Buy Or Sell A Property, Let The Agent Know With A Letter
Note to her that you are still very interested in finding more properties in area x. This will demonstrate that you are a serious investor, and move you up in the pecking order.

If You List The Property, And Don’t Have A Particular Reason To List With Another Agent, List With The Agent You Are Cultivating
This will bind you to them. I’ve personally listed properties with an agent to establish a relationship even when I think I could have sold the house “by owner.” If that agent brings me 4 deals with $30,000 of profit each, the extra $7,000 I spent on a commission for one deal was well worth it!

If You Have Good Subs That You Really Like, Make A List And Give It To The Agent
Explain that you have used these folks in the past, and that their names might be helpful to her clients. Such lists are super-valuable to the agent because they help her to sell houses. For example, a house may be perfect for a buyer, but it needs repainting. The agent can tell the buyer that he knows a great painter who can handle the job, and potentially close the sale. This will also make your subs loyal to you. If your job or another client’s job must be delayed, yours won’t be if you are keeping a steady stream of referral business going to the sub. These subs will see you as so important to their business that they will also give you a great rate for your work.

I would use this technique with the top few agents in your target area. I now work with only a select handful of agents. All are totally committed to the success of my business.

How to Get Realtors to Work For You

2010-08-08T00:57:00.000-07:00

How to get Realtors to work for you – the "scrappier" they are, the better. The secret is finding them. Here's how...

If you've gotten this far, you already know my take on

real estate investing: buy multiple housing units in low to moderate income areas that will immediately generate positive cash flow. It's a proven method that allowed a high school dropout like me to become financially independent by age 27, while lots of guys my age with Ivy League MBAs were still punching a clock.

I did this – and am still doing it 30 years later, and teaching thousands of people like you to do it, too – by buying distressed properties from distressed sellers. Maybe the properties just need a little love to spruce them up, maybe the buyer is desperate to get rid of them, and maybe it's a little bit of both. It's what I called "forced appreciation", and it's the cornerstone of my proven real estate investment method.

"Ok Russ," you say, "I get it. I’m ready to achieve financial independence, quit my chump job, and have the freedom and the control I deserve. I’m ready to roll."

But there's one thing still holding you back – you're not sure how to find those distressed properties and distressed sellers. When you're trying to get started, and you're still working for someone else, you don't have the time to search for them – and you may not yet have the experience to recognize them. So what do you do?

Find yourself a good Realtor, that's what. I don't mean the ones with their pictures in the paper, with their lipstick just so and a scarf knotted to one side around their neck, talking about a property's granite countertops and the neighborhood pool. These types are what I call the "cream of the crop" Realtors. Hey, they work hard and help people find lovely homes and they can make a lot of money at what they do. But that's not who you want when you're looking for investment properties.

You also don't want your nephew Louie who got his real estate license on the side three years ago and sells one or two houses a year for extra money. Nothing against nephew Louie, but he probably doesn't know much about the type of real estate investing you want to do. You're not in this to help Louie make money, you're in this for your own financial independence.

What you want is what I call a "scrap Realtor". What's a scrap Realtor? It's a Realtor who deals almost exclusively in low to moderate income housing, much of which is multi-family and most of which is sold to investors – which is what you want to become. Scrap Realtors know the neighborhoods, know which properties have potential – and many of them are investors themselves. You may think that the term "scrap Realtors" sounds insulting, but that’s the point – these guys don't care. They're not in real estate for the glamour or prestige; they're in it to make money. And so are you.

I've said it before and I'll say it again – nine out of 10 Realtors don't know anything about investment properties. Yes, they all have access to the same information on the MLS, but that's where the similarities end. Real estate is really about circumstances – what's the vacancy rate in the neighborhood? What is the rent now? What's going on with the seller that makes him or her motivated to sell (and possibly offer financing)? No computer system can tell you that – to get that type of information, you have to pound the pavement and build relationships.

Sure, once you're experienced and financially independent you can do that yourself – or hire others to do it for you. But when you're just getting started, a good scrap Realtor is invaluable.

You may have never noticed scrap Realtors before, but once you start looking I bet you'll see plenty of them. Their ads are smaller, and don't usually include a photograph. Their listings are usually for multi-unit properties, and are usually in the working class neighborhoods, not the hot parts of town. You won't see words like "charming", "quaint", or "cozy" in their property write-ups.

But these guys can help you make money. And if they're good, they'll be willing to spend some time educating you on opportunities in your area, because they know that once you start getting the positive cash flow that comes from a good real estate investment, you'll be coming back for more.

How to Find a Scrap Realtor

Look for independent real estate agents. Most scrap Realtors don't work at Century 21 or ReMax. Independent agents are more likely to also be investors who understand the types of properties you’re looking for.
Check out the classified ads in the paper. I don't mean the big splashy ads with photographs. I mean the small column ads that list properties for sale and express interest in buying properties. Many of these agents will work with investors, too.
Ask questions. Making blind calls to real estate agencies can be intimidating. Here's a sample script to get you started: "Hi, my name is _________. I'm a real estate investor and I'm trying to find a real estate agent who specializes in income properties such as apartment buildings, duplexes, five-units, etc. We also look for properties that need cosmetic repairs. Is there someone in your office who fits that description?" When you get a prospective scrap Realtor on the phone, ask about his or her experience with private financing and seller financing. Ask about his or her's own experience investing in real estate, and their results over the last several years. The reactions and responses you get to these questions will give you a good idea if the Realtor knows about real estate investing – and if he's able help you learn more, too.

In my training and mentoring programs, I always include a session with a good scrap Realtor, so people get to see how these guys operate first-hand. It's just one of the invaluable things you can learn from our programs. Once you learn to identify and work with a scrap Realtor, you can find one in any town, city or state in the country – and start investing.

How to Cash In On Your Real Estate Contacts

2010-08-08T00:51:00.000-07:00

Many investors make the costly mistake of considering real estate agents as competitors. They incorrectly see themselves out in the market competing for a limited number of deals-fighting it out with local agents and brokers to make money. This costs them time, and it costs them thousands of dollars from lost deals. The truth is that as an investor one of the most profitable

relationships you can ever develop is with a real estate agent. Think about it for a moment. As an investor your market is motivated sellers who don't need all cash at closing (and are willing to be flexible on the terms of sale) or who are willing to deeply discount the price of their properties for an immediate sale.

But the majority of sellers you talk with as you do your lead generation are NOT motivated sellers. As many as 90% of the sellers you talk with are not motivated enough to be flexible on price and terms like you need them to be. Most investors toss these sellers into the round file, and this mistake costs them dearly. Instead, pass those sellers you cannot help onto your real estate agent ally. He will be able to turn these sellers into a steady stream of commissions as he lists, then sells their homes.

Remember: most agents spend tremendous amounts of time and money to find the very people you turn up in such great numbers-homeowners looking to sell for all cash and who have the time to wait for a top dollar offer. If you can help your agent friend get just one more listing a month you are adding tens of thousands of dollars to his annual income! So what's your payoff? Actually, you don't just get one payoff, you get five!

Payday Number One: Expired Listings
A listing is an exclusive agreement a seller signs with an agent giving them the right to sell the home for the seller. This agreement is typically for 3 to 6 months and many times an agent is unable to sell the house within that time period. Have your agent ally search the MLS (Multiple Listing Service-a database of properties for sale that only real estate agents have access to) looking for properties that didn't sell and whose listing has expired. These owners are far more likely to have grown motivated and are ripe for you the investor to call and put a deal together on their house.

In many cases the expired listings will not have a phone number for you to contact the owner. That's good! If it were too easy then another investor would have beat you to the prize. Simply take the information and do your own research. You can use the street address and a reverse directory to look up the phone number. (One such directory is called the Cole's Directory and is probably available for you to use for free at your local library.) Once you find the phone number, give the owner a call and see if they are flexible enough for you to buy their property.

Payday Number Two: Listings Search
Have your agent friend do a search of the MLS for key words that indicate motivated sellers. The agent simply searches the comments field for words like: "lease-option," "flexible terms," "owc," "moving," "transferred," "estate sale," or "contract for deed." If a listing has these words in it chances are pretty good the seller is worth a phone call. Then you contact these owners and see if you can put a deal together.

Payday Number Three: Straight Referrals
Just like you are out there sorting through sellers, so too is your real estate friend. And when he finds an owner he can't help but who shows signs of being motivated, your agent can refer the seller to you. Better yet, ask your agent friend to pass along the owners name and phone number and give the owner a call yourself. This is a great source of deals that no other investors will know about! Best of all, when you get this third party referral you are getting a huge boost to your credibility. In essence the real estate agent is recommending you to the seller. This makes things much easier for you to put a deal together than if you were just coming in cold.

Payday Number Four: Fast and Free Access to Property Information
When you're out there putting together deals, wouldn't it be valuable to be able to call up your real estate contact and ask him for information like sales comparables, market rents, and rates of appreciation? If you're passing on several good leads a month to your real estate friend you will be amazed at how fast he will get back to you with this information he simply pulls up from the MLS. After all, if he isn't fast, there are many agents out there who are dying for your leads who will be much faster. The most important thing to remember when you are putting together this relationship to begin with is to always be willing to give value first. This means pass leads on to your agent friend for a short while BEFORE you ever call them up asking you for a favor. This will help you build trust into the relationship and cement your agent to working with you.

Over time this relationship will payoff handsomely for you. When you get the relationship going strongly you've just added a helper who is working with you to help you make more money. One of my students used this idea of networking with real estate agents to find a six year lease option on a $200,000 property with nothing down! If he can do it, so can you.

Dealing with Real Estate Agents

2010-08-08T00:45:00.000-07:00

The real estate agents have a valuable source of potential deals for the real estate investor - the Multiple Listing Service. Unfortunately, real estate agents have a monopoly on this information, so they may be a necessary part of an investor’s game plan.

Dealing with real estate agents can be difficult as an investor. Agents prefer home buyers with cash to put down,

good credit and conventional buying power. Their interest is getting a commission with as little hassle as possible. Most agents have never done a creative real estate transaction with an investor, so they are not often receptive to unusual offers. Most agents equate a “nothing down” offer with a buyer who is not serious.

Offer a Reasonable Earnest Money. You cannot present an offer with a $50 earnest money and expect an agent to take you seriously. You can expect to pay at least $500 as earnest money to get their attention. If you are presenting a solid cash offer, you should put up more money. If you are concerned with losing your earnest money, consider using a promissory note.

Offer a Short Closing Date. Another way to get an agent to take you seriously is to offer a fast closing. Nothing makes an agent salivate more than the thought of a commission check in ten days. If the agent has another offer presented to him, he will usually advise his client to take the offer with a larger earnest money and faster close than an offer which is higher in price.

Insist on Presenting Creative Offers in Person. If you present a creative offer to an agent, it will not be represented to the owner in the same enthusiastic fashion. As stated above, agents do not like creative offers - they like conventional offers from solid buyers. If you want the owner to hear all of the great benefits of your offer, insist on presenting the offer in person.

Appeal to the Agent’s Greed Factor. Let’s face it . . . real estate agents are in the game to make money, just like anyone else in any other business. If you can offer the agent an incentive to make money out of the transaction, you will get his cooperation. If you present an offer which does not permit enough cash to come out of the deal to pay the agent, why would he cooperate with you? If you present a lease/option offer on a listed property, how will the agent receive a commission? You need to find a way for the agent to get paid, even if you pay him out of your own pocket.

Do Your Own Comps. Sometimes you will get the opposite of an uncooperative agent - an overzealous agent. Be suspicious of an agent who tells you what a deal you are getting on a property. If it is such a good deal, why didn’t he buy it? Don’t take his word as to the value. Ask for a printout of comparable sales (not listed properties). Be aware that information contained in the MLS computer was entered by the listing broker and may be exaggerated. If a comparable sale shows the same square footage as the house you are looking at, take a drive by and see if it is accurate. Do your own assessment of value.

Fax Preliminary Offers First. Don’t waste your time filling out a contract offer until you have preliminary approval. Most agents are not this formal and will take any offer in writing to the seller. Simply summarize your offer in writing and fax it to the listing agent. Once you have an oral approval, then take the time to fill out a contract and an earnest money check. NEVER put up earnest money until the offer is accepted!

Don't be Bullied by Uncooperative Agents. If you cannot finesse an agent, don’t be afraid to stand up to him. Some agents are unethical and will refuse to present your offer. Many times the agent will lie and tell you that your offer was rejected when, in fact, it was never presented. If this is the case, do not be afraid to go over his head to the listing broker. If the listing broker is uncooperative, deal directly with the seller (unless, of course, you are also an agent).

Selling Houses Fast (Part 2)

2010-08-08T00:39:00.000-07:00

The first step to success in buying and selling is locating prospects. Without potential buyers it's very hard to sell houses. Frankly, an ad in the newspaper should be enough to attract plenty of prospects if you know how to write the ad and where to put it.
I can't turn this into an ad-writing course, but any ad that gets prospects to call is a good one. Any ad that doesn't is a bad one, or it's in the wrong publication. Make sure your ad gives the prospect a reason to call. Try to include a USP (Unique Selling Proposition): What can you offer that everyone else isn't?

For example:

Lease Purchase
No Qualifying Owner Financing
No

Bank Qualification
No Money Needed
Easy Terms
Owner Will Help
Will Accept Anything On Trade
No Down Payment
You Get A Car With The House, etc.

Some students use flyers distributed in newspapers and don't run ads. Others use a lot of signs, referrals, mail outs, the Internet and electronic voice broadcast.

We'll cover all these in the Selling Houses Fast Boot Camp, but the key is to make sure you keep a good flow of leads coming in until the house is sold. Where most people fail is how they handle these leads once they come in.

That, my friend, will receive a lot of attention at the boot camp. It's by far the weakest link in the chain. Leads must be prescreened properly and the good ones worked daily. Out of any batch of leads will usually come some qualified ones. Maybe not with a credit, but qualified if you're flexible as we discussed in the last issue. What I look for most, are people who love the house and are excited about owning it. Give me that and a little something to work with and I'll get them in it.

8. No Follow- Up System in Place
Why do some folks insist on doing the same job several times when it can be done once? If you're not building a buyer's list of some kind you must love punishment. It's simple. If you have more buyers than houses, you don't run ads, send flyers, mail letters or any of that other stuff. You pick up the phone and call the prospects you've prescreened from the last time and tell them about your new house.

Why is that so hard? It looks to me like it's easier to suffer the pain of creating a buyer's list once, rather than talking to dozens of prospects from ads every time you get ready to sell. You don't have to be an organizational wizard to enact a little follow up. Hey, a pile of prescreened buyers on the corner of your desk with no separation or filing system is better than nothing. Sounds like my system. No, that's not true. At least I put them in a file folder. Then I misplace the folder, but I always know it's close by (somewhere).

9. Functional Obsolescence
This one is a house problem, not a people problem. You usually can't fix this and shouldn't buy if it's present. That way you won't have trouble selling.

Here are some things that come to mind:

Extremely small rooms
Bathroom off the kitchen
Walk through bedroom to get to the only bath
Low ceilings (under seven feet)
House added-on unprofessionally
Strange layout that can't be fixed
Adjacent to odors, commercial property, school or anything else that makes it undesirable
Bad or no foundation

That's just a few of the things I can think of now. Note: Sometimes you can correct this and sometimes you can't. If you don't see a way, simply pass.

10. House is Very Small
I guess this is also functional obsolescence, but it's very common. Any time a house has less than 1,000 square feet I get cautious. I've learned that houses under 900 square foot are usually hard to sell and there's not much you can do but keep looking for a small family of 1 or 2 people. I'm not saying they won't sell. I'm just saying they're harder. I've probably done 200 houses below 1,000 square feet.

I think I own 3 or 4 now. I guess that verifies there is a buyer for every house. If I can buy them cheap enough, I'll still do some today. But I know going in they may take a little longer to sell.

11. Salesperson Loses Control of the Loan Process
You must remain in control from the moment you buy the house until you get a check. That includes the loan process. You decide who does the loan, who appraises the house, who gets the survey and termite report and who closes. You are also in charge of speeding up the loan.

Yep! You, not your lender. You should check in every few days, push for results and round up missing paperwork. If you don't, the close will drag on forever. Would you allow your boss to hold your paycheck for 2 to 3 weeks until he decides to pay you? That's exactly what you're doing when you let a loan processor jerk your chain. So, the next time you lose a buyer because he didn't close quick enough, go to your bathroom mirror and cuss out the person responsible.

The last time I lost a buyer two days before closing, it was because God told them not to buy. If I'd been two days earlier, maybe I wouldn't have been competing with God. Oh well. Six weeks later I sold the house for $3,000 more than the first buyer. Maybe I wasn't competing with God after all.

12. House is Located Too Far Away from the City
That's an easy one. Don't buy it. Unless you want to create a lot of driving time so you can listen to more of my tapes. Frankly, I don't buy anything I intend to retail that's more than 30 minutes from my office. Of course I know for some of you in big cities that's about three blocks away. Hey, you can always move.

13. House is in High Price Range Where Few Buyers Can Afford
Actually, sometimes that has no bearing because the upper market is hot. If it is, the high value is not an excuse for a slow sale. The problem is elsewhere on this list. But in smaller cities where a $500,000 house is the mansion, you can certainly expect it to take much longer.

All that just makes a case for you to not guarantee monthly payments on big loans. Unless you're a sadist and looking for pain you shouldn't try to outguess the market. Don't count on a high priced house selling quickly just because you like it. Remove the risk, give yourself time and you'll discover the big ones sell just like the little ones, but hopefully with a lot more profit.

Caution
You'd better make sure you have a large spread on those big babies. Buyers of $500,000 homes are more sophisticated and more apt to ask for a price reduction.

The good news is these folks can usually qualify for a loan, and the majority of the sales are all cash. Owner financing and lease purchase just doesn't have the sizzle it does on the lower end. That doesn't mean it's not used, only not as often.

14. Only One Bath
I've sold hundreds with only one bath but it's not my preference. Cheap houses, not a problem. Houses above $80,000 - $100,000, it's very difficult. For houses much above $100,000 it's almost impossible. People who can pay more, want more. If you can't add a bath you may wish to consider not buying if you feel it's important to the sale.

I have never added a room on the house to add a bath. The only time I have added a bath I've used the existing structure. That should cost you no more than $1,500 - $2,000. Trying to sell a 4-bed/1-bath house ain't easy. Selling a 3-bed/1 bath is okay as long as the house is small. Selling a 2-bed/1 bath is the norm and buyers will expect it.

Well, that's about it. I won't guarantee that every problem you'll run into is on this list, but chances are, the next time you're having trouble selling a house, if you'll take a good look at this list, I bet the problem is in it. If you do run into something out of the ordinary that I've not discussed here, drop me a line.

In the meantime, remember that there are no real problems, just solutions. And, very often, when you do run across a problem property, there's hidden profit there for someone who knows the answers and can create a solution.

Selling Houses Fast

2010-08-08T00:31:00.000-07:00

One of the most common things people fear about getting into real estate is they're afraid they can't sell the house and somehow they'll get stuck with it. I can understand why this would create anxiety for a beginner because they simply don't have enough facts to overcome the fear. However, if you're not a beginner and this is still a problem, there's no excuse for it. So let's get it fixed right now.

The truth is . . . selling should be the easiest part of your business
Are you not buying because you're waiting to sell what you have first? Is your income suffering because you haven't plugged the hole in the back end? Are you so afraid of selling you quit (or never started) buying?

In this article, I'll discuss the reasons why some people have trouble selling and how to fix them. In addition, you should know we now have a live, two-day boot camp I teach focused on the same thing...Selling Houses Fast.

I've identified 14 reasons here. Pay close attention to numbers 4-7 because combined they equal about 80% of why houses don't get sold quickly.

Most of the time it's a people problem, not a house problem. So here we go, in no particular order.

Why houses don't sell quickly...
1. Not ready to sell.

2. Poor area.

3. Over-priced.

4. Salesperson's personality problems.

5. Inflexibility of seller.

6. Salesperson's lack of knowledge about financing programs available.

7. Salesperson's lack of knowledge about attracting & prescreening leads.

8. No follow-up system in place.

9. Functional obsolescence.

10. House very small.

11. Salesperson loses control of the

loan process.

12. House located too far away from the city.

13. House is in high price range where few buyers can afford.

14. Only one bath.

Notice the majority of these problems are directly related to the person in charge of making the sale...and the rest should be fixed before you buy.

1. Not ready to sell.

2. Front appearance - Would you want to see the inside?

3. Roof - Does it need to be replaced?

4. Exterior paint - Is it at least 2 colors and looks fresh? Are the colors pleasing or gaudy?

5. Interior paint - Is it two colors or does it look like a white tornado went through it?

6. Interior trim - Is there color, paper borders, blinds, bath and kitchen accessories, lever door handles, shower curtain or door, etc.?

7. Carpet - Same old lifeless, ugly brown or have you tried hunter green? Would you want this carpet installed in your home?

8. Central heat and air - If you're in the southern two-thirds of the country, it's not an option. Do it.

9. Kitchen - Does it have plenty of cabinets or just enough to get by?

Customers won't complain about shoddy repairs. They just won't buy.

If it doesn't look good enough to satisfy your wife, your buyers won't like it either. Spend a few more dollars and make it a house you can be proud to sell and know your buyer will rave to others about.

If you do, amazing things will happen.
1. It will sell quickly.

2. It will appraise for more.

3. You'll sleep good at night.

4. Your buyers will send you customers.

5. Your good reputation will spread quickly.

6. The neighbors will send you customers or sell their houses to you.

7. Your attitude will improve and you'll enjoy dealing with buyers more because you know you have a great product.

8. You'll save the extra money you spent in holding costs. So, in reality all these benefits are free.

9. It'll probably even improve your sex life. Think about it. More sales means more money. More money means happier spouse or significant other. Happier spouse means more frequent and better sex. I heard that on Oprah the other day.

10. Poor area.

11. Is it a war zone? If so, you must learn to sell low income houses or don't buy there if you intend to retail.

12. In low income areas it's critical you master the art of financing. You will not survive if all your sales must be to a buyer or sold for 100% cash out.

Get educated or get out.

The good news...
A. You can make some large spreads on these houses because you can buy them dirt cheap.

B. Most of your competition won't touch them.

C. They're easy to find and easy to buy.

D. At today's interest rates buyers can qualify with small incomes.

E. Financing is plentiful. Some with no down payment.

F. You can always wholesale if rehabbing isn't feasible for you.

The bad news...
A. Vandalism is normal.

B. You'll have to screen out a lot of buyers.

C. You'll be tempted to break the law by falsifying down payments because most of your buyers are broke. Don't do it.

D. You'll have to take back a lot of seconds and 50% or more will default. So what? It's all free money anyway.

If you're going to work the low income or war zone areas, just be sure your exit is clear and you don't get into any traps. Don't rehab in a war zone unless you know where to get the buyer financed. You'll find a buyer who wants to live there and you can live with vandalism.

In addition, you must be flexible on terms, not expect to get cashed out 100% and clearly understand you will be prescreening one of the most uneducated segments of our society. It will take patience and practice.

3. Overpriced Is Not What You Think
Just for the record, all my houses are overpriced. And I'm proud of it, in case anyone asks. You should always set your sales price higher than what the house appraised for. If you don't ask for more I can assure you, you won't get it.

But there is a limit. You can't go nuts on me here. Putting a $125,000 price on a $100,000 house is pushing the envelope. However, putting a $109,900, or maybe even a $114,900 price on it may work fine.

Your market will tell you quickly. If the buyers all complain about the price, you know you have a problem and you may want to lower it a little.

Warning!
Make sure the price is the problem before you go fixing what isn't broke. Only your buyers can tell you the price is too high. Not your spouse, your neighbor, your brother-in-law or even your Realtor. If I had $100 for every time a Realtor told me my price was too high, I'd be in a higher tax bracket. Actually, that's not true. They don't get any higher.

You can always lower the price. You can't raise it once it leaves your lips. I don't know for sure but I bet I haven't lowered the price on more than 15% of all the houses I've done to get them sold. As a rule, a 10% above appraised value or good comps is the upper limit. You'll have to decide the price based on the area, condition, salability and heat of the market. Just don't be giving away money because you're listening to morons.

4. Salesperson's Personality Problems
Have you ever talked to a seller or a Realtor you didn't like? A mean-spirited, grouchy, personality perhaps? How about someone who just won't shut up long enough for you to ask a question? Maybe you've encountered the prescreened type who treats you like the enemy until you pass their qualification test.

How about all those times you got the wife on the phone and she was afraid to speak without her husband's permission, or vice versa. That doesn't even count the ones who do talk but never say anything. Then there's the clueless spouse who can't even tell you the asking price, much less the other details. Sometimes I wonder if these folks ever talk.

How about the couple in the middle of a divorce who talk to you like you're the one who just slept with their spouse? Then there's the know-it-all. You know, the kind who wants to do a seminar for you on the phone to impress you with their intelligence in the art of real estate. They can't sell their own house but they can certainly tell you how to do it.

Of course we can't forget all the thinker brains trying to sell to the reptile brains, and vice-versa. Or the sellers so in love with their house it takes them 30 minutes to describe every little detail while you're trying to stay awake. Gosh, I'm getting depressed just writing this. I don't want to ever talk to a seller again. Just kidding.

The key for you is not to become like one of those people I just described. If you already are, you can fix it once it's identified. Here's a hot tip. Record your calls and listen to yourself selling your house. If there was a moron on the call you'll probably recognize his/her voice.

5. Every Single Time You Talk to a Buyer You Must Sound...
Friendly, Flexible and Excited
If you can't, get someone else to sell your houses, which is a whole other subject I'll cover next month.

Inflexibility of seller
That means most sellers can only see one way to sell a house and if that isn't happening the house will sit and sit until that perfect buyer comes along. Finding an A credit buyer to cash you out isn't the only answer. This is especially true for the low-income houses where A+ buyers are scarce.

The more you know about different exits, the easier it will become for you to get flexible. If you don't have your money in the deal and you can live another week without the cash from the sale, it frees you up to get creative and look at other alternatives.

Here's a news flash for you . . .
It's your job to find a buyer who loves your house . . . then make it work!
That means sometimes you must be flexible. It's not a perfect world. Bend a little. Here's a short list of selling methods.

A. Sell to a qualified buyer and cash out now.

B. Lease option and cash out later.

C. Sell with owner financing and help buyer get refinanced later.

D. Sell with owner financing and sell the note at closing for 93% of its face value. We spend a whole day on this in the Paper Power Boot Camp.

E. Get the buyer an 80% - 90% loan with a secondary loan at a higher rate and take back a second for the difference.

I bet you didn't know you could be that flexible did you? Sorry, I can't go into these in detail here but I think you get the message. There's always another way.

6. Salesperson's Lack of Knowledge About Financing Programs Available
No, this is not the same thing I just said. If you're going to master your craft of selling houses you must learn a lot about financing programs.

What will kill loans? What programs require little or no down payment? What credit can be fixed and what can't? What will the lender want fixed before closing? Who will let me take back a second and who won't? And 40 or 50 other questions you'll get the answers to as you go.

You don't have to know all there is about financing to sell a house, but the quicker you learn, the easier it gets. Make an appointment with 3 or 4 mortgage lenders and pick their brain. Let them help with what will work and what won't. Then when you get an interested prospect it's simply a matter of getting the buyer's information to the lender of your choice and letting them tell you what will work.

That's the best way I know to learn the ropes about financing. But you know what? A lot of veterans won't even take time to do this. I guess they feel they're too good or too smart to humble themselves and actually ask for help. My friend, what you knew about financing a year ago is not what you should know today. It changes monthly. You must stay on top to be the best.

In the next issue, I'll finish my list of reasons why houses sometimes won't sell. In the meantime, read over these pointers I've given you and start developing your own selling strategies.

Here's hoping all your houses sell faster than you can buy them.

Never Reduce Your Sales Price! Increase Your Content!

2010-08-08T00:24:00.001-07:00

We rarely reduce our sales price, and often raise them on slow moving properties. That makes no sense does it? Actually it does! We had a letter from a student recently who was having trouble selling a property. He had the property listed with a Realtor, who was now insisting that the price should be reduced $10,000. The student said that he would still make money at the lower price, but that it would mean the difference in trading his old car for a brand new sparkly one, or a slightly less ugly

used car. The student asked what I thought, and I responded as follows:

People typically shop for houses by the monthly payment they can afford. In other words, if they are comfortable making a $1,200 per month payment for their home, the mortgage broker or Realtor tells them what they can afford in terms of price at prevailing interest rates. People thus want to get the most they can for their $1,200 or whatever their magic payment number happens to be. Reducing the price by $10,000 is going to be less than $100 per month in terms of payment. No Buyer is going to say, “Well, I wouldn’t pay $1,200 per month for that house, but sign me up now for $1,160!!!” You are not likely to move into a whole new group of buyers by reducing your price that much. You may catch one or two potential folks who can afford $1,160 on their top end, but you are not going to open the floodgates by any stretch of the imagination. If you cut the price $60,000, you would get more buyers in who could not afford the higher price, but such a cut is not likely if you want to avoid losing money on this deal.

Thus cutting price is not an effective solution, as you are really not going to be able to cut the price enough to get a great deal of additional buyers in to look at the house and get a sale. The realtor is grasping for straws, and cutting price is the only way that they can think of to sell homes for the most part. What I do, and we do cover this in the course, is boost content. I want to give them more with the house than I gave originally. I can spend a few extra thousand and greatly increase the wow factor of the house, and get people excited. People buy houses on emotion, and then seek to rationalize their decision with logic, payment tables, and statements on how great of an “investment” the home will make.

The most common thing that we have done is add a deck onto the back of the house. This always has worked for us when we could not get a house to sell. Typically we will get an offer within 2 weeks when we have added the deck. I have even increased the cost to cover the cost of the deck. Even if I don’t raise the price, do you see how spending $2,500 on a deck and keeping the same asking price (which effectively is equal to a $2,500 price cut) is superior to a $10,000 price cut, or even a $15,000 price cut? A big new deck will excite people much more than a $60 monthly savings any day. People think that decks are much more valuable than they are in terms of our costs to build them. We received a quote recently of $1,200 plus materials for a deck on a house.

Other ideas are picket fences for homes with small front yards, landscaping and/or sod, security system and appliances, add crown molding or wainscoting to key rooms such as the living and dining room. You can also include a home warranty with the home if the systems or plumbing are old (get the Realtor to agree to pay half). Accessorize the bathrooms with guest towels, pretty soaps, and candles (not lit) to create more mood. Add new carpet if the old carpet is looking ugly, or paint if you were trying to sell the house without repainting. Refinishing hardwood floors also can help.

We have been caught in the partial mini-rehab spiral a couple of times. Sometimes we like to get in and do minor work to clean it up and sell without much of a fix-up. This is a great strategy that I still endorse. We get more than we would by wholesaling to another investor, and can often sell directly to a homeowner/owner-occupant. We get in and out quickly. However, sometimes we don’t do enough, or a house just can’t sell unless it looks really pretty. We have pulled such properties from the market, done some more fix up (especially with paint and whatever we can do for the least cost), and put it back on the market. This typically is enough to get them to sell. A minimal investment of a few more thousand trumps a radical price cut.

Thus in short, do not cut price if you have done your market research and feel that the price you are asking is really fair. Spend a little more and glitz up what you already have. Decks are the best return on the dollar in my market. We generally go for 14x16 if there is space. Realtors love to cut prices out of panic. As investors, we have to keep a level head and go in and figure out what has to be done to add some “sizzle to the steak.”

Negotiating A Sales Contract On Your Finished Rehab

2010-08-08T00:21:00.001-07:00

Lately, I've seen investors blowing deals at the very moment they find out that buyers want to purchase their renovated homes. It's becoming enough of a trend that I feel the need to tell you why this is happening - and how you can avoid it.

It's not easy to get a home sold today. It's natural to become anxious when someone expresses an interest in your home. But this is not the time to negotiate. Allow me to explain:

For example, let's say your home has been listed for a while, and an agent gives you a call to let you know that they have a party who is interested in your home. You begin to ask questions like "how much are they considering offering?" or "How soon do they want to settle?" or "I hope they aren’t asking for too many contributions, because I’m not moving much."

Frankly, my students end up getting into conversations that they should NOT be having yet. And you know what happens? The deal ends up blowing up in their face, before a contract is ever signed.

When someone says that they have a party who is interested in your home, you should have only ONE thing to say…

"Great! When can I expect an offer to review?"

You want to encourage the agent to get an offer to you. It doesn't matter at this time how much the offer is for, what kinds of contributions the buyers are looking for, or how soon they want to settle.

Until they put it in writing, none of that is real.

If the agent begins to pry and say something along the lines of, "My buyers are considering something less then your list price, are you flexible?", your response should be, "Maybe, how soon are you planning on getting the offer over? Once I've had a chance to look at it, I can give you a better answer to your question."

Most beginners would respond by saying "What do you mean by flexible?" or "Just how low do they plan on offering?" The answers to those questions do not matter! If it is not in writing, it is just a meaningless conversation.

Here's Why This Is So Important
You see, getting a buyer to sign a contract is a big thing. They are making a commitment and saying, "I want your house." This is a major step taken on their part.

You NEED for your buyers to take that step before you consider ANY negotiations. You need to know that they are committed to buying your house, before you say anything that could turn them off.

Buyers have jitters prior to signing a contract. If you give them any reason to doubt that you are willing to work with them (whether that is your intention or not), they may not sign the offer.

Once they have made the commitment and signed the offer, however, you have one thing out of the way: they want your house. They've spoken that loud and clear. They have chosen your house over all of the others, and they are ready to deal.

This is when you can start to negotiate. Not before.

Why? Because it's much easier to get someone who has already crossed the first hurdle to clear the second one. The first one is the hardest. You may find, later, that you can't negotiate a deal with these buyers. But at least you are negotiating with someone who is committed.

How you handle an individual offer is not as important in a hot market, where you may receive multiple offers. But now, when offers are scarce, you need to give each offer every chance to succeed. You need to do everything in your power to negotiate each offer from a place of strength, on your part, and commitment on the part of your buyers.
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How to Sell Your Properties Using Lease Options

2010-08-07T22:26:00.001-07:00

Selling one of your properties on a lease-option gives you the biggest benefits of renters and buyers without the downsides that normally go along with selling or renting out your property.

When you lease-option your property you get the best parts of having a renter: monthly streams of cash-flow, tax benefits of maintaining ownership,

loan amortization, and a healthy chunk of the future appreciation. You get all this without having to deal with the headaches and hassles of traditional renters.

When you lease-option your property you get the best parts of having a buyer: a large chunk of money as an up-front option payment, someone else who will take care of the day-to-day maintenance of the property, and a large profit when your buyer gets a new loan on the property and cashes you out.

Here Are the Four Steps to Sell Your Property Using a Lease Option:
Step One: Spread the Word
There are three magic words to help you find your tenant-buyer for your property. These words go in bold, large print in all your advertising for the property. They are: Rent to Own. People instantly know what "rent to own" means and they also know they want it.

The two best places to invest in advertising your properties are your local newspaper and in signs around your property. Place a small classified ad in the "For Sale" section of your local paper. Also put a large "Rent to Own" sign in the front yard of the property. And put twenty to thirty signs around the neighborhood on all the major access roads leading past the property. These signs can be professionally printed, but chances are they wonï¿½t last long so do them as cheaply as possible. I have found that handmade signs on inexpensive posterboard work as well as the more expensive signs.

Both your classified ad and your signs should have the phone number of a voice mail box where you have recorded a 60-90 second message singing all the biggest benefits of the property and how easy the rent to own program makes for them to be able to own it. Use your voice mail as a screening deviceï¿½ask callers how much money they have to work with as a down payment. When you run a "rent to own" ad your biggest problem will be getting too many calls! By screening callers through a voicemail box you will spend your time calling back only those who have a healthy sized chunk of cash to give you as their up-front option payment.

Step Two: Calling Back Prospective Tenant-Buyers to Set Up a Group Showing
Have you ever been faced with a prospective buyer who just wonï¿½t make up his mind about whether he wants the property or not? Or have you ever raced over to one of your units to show it to someone who just didnï¿½t show up? There is a better way of doing itï¿½group showings.

Whenever you can get several prospective tenant-buyers all to look at the property at the same time your property just became more attractive. You are creating a competitive environment and that means the person who wants the property needs to act fast or they will lose out to someone else. This competition will be your biggest aide to closing the deal.

The biggest mistake you can make when you are calling back the people who left their name and phone number on your property voice mail box is to invite them to a "showing" for the property. Instead set a definite "appointment" with each person to meet them at the property to have them take a look. Simply set each individual appointment all at the same time! This way not only are you creating that competitive situation, but you are also protecting your time since if two out of the nine people scheduled to meet you donï¿½t show you still have seven people to show the property to.

Step Three: Get Them to Fill Out an Application on the Spot
Some people wonï¿½t want to hurt your feelings by saying no. Instead they will ask for an application and tell you they will send it in later. Donï¿½t fall for this common pitfall. Simply tell them that if they are really serious about the property then they should take a few minutes and fill it in right there. Also make sure you charge $10-20 for each application. Not only will this pay for your credit check of each applicant, but it will also screen out those last few people who are not truly serious about the property.

Step Four: Choose the Best Person and Call to Give Them the Good News
Speed is of the essence here. If you have someone who wants to have the property who has a healthy option payment and good monthly income I recommend that you get a non-refundable deposit from them to hold their position to rent to own your property. You should collect this deposit as soon as possible. Of course you will make this agreement subject your satisfactory approval of their application (if they donï¿½t pass your evaluation your deposit agreement should say you will return their deposit to them and cancel the agreement.)

This is how you market your property as a "Rent to Own" property. Next month Iï¿½ll explain how you can get above market prices and cash-flow for your properties. Youï¿½ll learn exactly how to price your "rent to own" property so it sells fast and makes you a large profit.

How to Sell or Occupy Your Empty Houses Fast (Part 2)

2010-08-07T22:22:00.001-07:00

#1: NO MONEY NEEDED or NO MONEY DOWN with Down Payment Grant
I had the honor of sharing the stage with Ron LeGrand in September at both his marketing boot camps for buying and selling houses. Ron shared some new information on Neighborhood Gold, a non-profit organization providing down payment

grants for buyers. This program, was also the subject of Ron's September TeleSeminar for his Prosperity Partners Network (AKA Millionaire Mastermind Group) which I am a member. This is a strategy for making your ads, flyers and signs compelling AND getting cashed out.

Here's an example of how you can use this program. If you have a buyer who qualifies to borrow 95% to 97%, but does not have any money, you can:

Pay their closing costs, and
Get them a grant for their down payment.

The grant is an expense to you, the seller. If the grant is for 3% of the purchase price, then 4% (3% plus 1% fee) will be withheld from your proceeds at closing. If the grant is for 5%, then the cost to you is 6%.

Another example. Buyer is approved for 90% first, 5% owner carry second, and lender requires 5% down. You can use Neighborhood Gold for the 5%, again costing you 6%. I just got around to looking up their web site and I'm now looking to use this program on a few current deals to see how well it works. For details go to www.neighborhoodgold.com.

#2: ADS TO DRIVE TONS OF CALLS AND BUILD A BUYER'S LIST
With a good buyer's list, you can occupy a new property without running a new ad. This "vague" ad below was revealed by an active investor on Bill Barnett's "Broke No More" Conference Call...

NO BANK QUALIFYING: Owner must sell.
Two homes available. Call John, 719-555-1234
I have a similar long running classified ad appearing in EACH issue of my local daily and weekly newspapers...

OWNER FINANCING or rent-to-own. 3 nice mountain homes
to choose from. 24 hour recorded list 1-888-555-1111 Box 1234
I may have 1 house or I may have 7 but I keep running the same ad without changing it. I just update the recorded list.

#3: SEND POSTCARDS TO THE SURROUNDING NEIGHBORHOOD
My title company will give me mailing labels of homeowners near my houses for sale. I can select subdivisions or zip codes to target the area. In many areas, you can get these names on labels through your tax assessor.

Thanks to my friend, Jeff Kaller (www.mrpreforeclosure.com), I was reminded of the effectiveness of this tactic while listening to his Pre-foreclosure course. I decided to add this technique to our arsenal of marketing tools to sell houses fast.

The cost will be about $.25 per mailed postcard. Printing and mailing 500 cards is only about $125. Unconverted prospects can go on your buyer's list. Here is an example of the post card content (a personal message, description of the property, no photo needed):

LEFT FRONT PANEL-------------------------

Dear Neighbor, Thought you'd appreciate knowing about the home for sale near you at 248 Elfin Drive. It just became available and I was wondering if you had any family members or friends who might be interested. We own the home and can offer flexible no bank-qualifying owner financing. We can even help finance the down payment!

If you, your immediate family, or your referral purchases this home, we might be able to pay some or all of the closing costs. Be sure to mention this postcard.

Do you know a nice family who might be interested? Please call Martha or myself at 687-6885. I'm also writing to all your neighbors... so call right away while this home is still available.

Sincerely,

Manager Bottom Line Results, Inc.

RIGHT FRONT PANEL-------------------------

Buy this home with little or no money down!

This 3 bedroom, 2 bathroom modular home has great views to the north west and easy access being close to the Divide intersection (Sherwood Forest). There's extra space for parking a boat, RV or building a garage. It has 1,272 square feet, newer carpet, new kitchen floor. Affordable living in a nice location. Vacant, call to see inside.

Very flexible owner financing or rent-to-own terms.

248 Elfin Glen Dr.
Divide, Colorado ................$119,500
Free 24 hour recorded info,
call 1-888-499-1051, box 5056

REVERSE SIDE-------------------------

Bottom Line Results, Inc.
743 Gold Hill Pl. #239
P.O. Box 220
Woodland Park, CO 80866-0220

Call our 24 hour Real Estate Hotline at 1-888-499-1051, then:
Box 6996 for current list of homes for sale by owner with flexible owner financing, or
Box 6206 to learn more about how our owner financing programs work, or
Box 6051 to learn how we might buy your house in as little as 9 days at a fair price

RECAP:

1) Check out Neighborhood Gold so you can offer NO MONEY DOWN or NO MONEY NEEDED in your marketing.

2) Build a buyer's list with generic ads.

3) Hit the surrounding neighborhood with hundreds of postcards.

How to Sell or Occupy Your Empty Houses Fast (Part 1)

2010-08-07T22:17:00.000-07:00

My intention is to keep every house I buy for at least a year or two, hopefully longer. But that does not deter me from offering it for resale IMMEDIATELY. By offering to sell instead of to rent, I attract a "buyer" mentality. I buy properties creatively so that I can turn right around and offer them FOR SALE with these marketing advantages:

No money needed, or
No bank qualifying owner financing, or
Rent-to-Own

Classified ad #1
NO MONEY NEEDED: Owner can finance down payment
and pay all closing costs. Nice 3 bed, 2 bath, 2 car home, views, privacy, $159,500.
24 hour recorded message 1-888-555-1111 Box 1234
Here we are looking for a buyer to qualify for an 80% to 97% first mortgage. Our ability to carry back a 3% to 20%

second mortgage depends on how much equity we have.

I can't see buying houses for more than 80% of what I plan to sell it for with creative terms. There are tons of sellers willing to take 10% below market when you show them what they'll might net "at some uncertain date" going through an agent. Then, getting a 10% premium from my buyer is very common since I'm making it easy to buy.

Will it appraise? Yes. What if it doesn't? Lower your price...or find another buyer...or keep it. Appraisals occur when someone is getting a new bank loan. In most cases, I sell via methods #2 & #3 requiring no new loan until later.

Offering to pay the closing costs will help buyers with good credit and income, yet no savings. This approach will cost 2%-3% of the purchase price... but it gets my underlying loan (hard money or loan taken subject to) paid off fast. If an underlying lien is an owner carry back note, it's discount time!

NOTE: Be cautious about anyone taking your property off the market with contingencies. I rarely do. Realtors can play that game. If my buyer wants to get a new loan, we setup the purchase agreement as a rent-to-own (with at least 3% non-refundable purchase deposit) in case their loan is delayed. That way we both have a dead certain move-in and rental payment start date.

Yes, my intent is to keep each house I buy for awhile, but if I have a qualified buyer immediately willing to pay my asking price, and I'm getting some or all my cash at closing, I'll take it.

Classified ad #2
NO BANK QUALIFYING owner financing.
Nice 3 bed, 2 bath, 2 car home, views, privacy,
$159,500. 24 hour recorded message 1-888-555-1111 Box 1234
Here we're looking for someone with money to put down, and challenged credit is OK. I'll sell on a wraparound if I am lucky enough to find a buyer with the 8-12% down I require to give them ownership with extra difficulty getting the house back if they default. I can still offer "owner financing" via a rent-to-own if they only have 3-8% down, thereby KEEPING the house as I intended. They will have 12 months to close, and perhaps a right to extend another 12 months in exchange for higher rent (10% annual increase), higher price (1/2% a month after 12 months) and more non-refundable money down.

So I'll sell the property if someone waives a big wad of cash in my face, but I just don't count on it. Typically I will take the first tenant buyer who meets my minimum requirements...

Classified ad #3
RENT-TO-OWN: Nice 3 bed, 2 bath, 2 car home, views, privacy.
Pets OK. Rent credit. $159,500. 24 hour recorded message 1-888-555-1111 Box 1234
This ad is run in the HOMES FOR SALE section. A tenant buyer is 500% better than a tenant. They take care of the house. They don't call me. There's no security or pet deposit to manage, just a non-refundable purchase deposit. They pay on time or lose their monthly rent credit, and rent discount. They fix up the property and enjoy the feeling of ownership, because they're planning to buy.

But I do risk having them buy the house. My experience is only one out of 3 will close. You can improve those odds by being pickier than I am. Therefore, the average house may resell in 2-3 years after 2-3 tenant buyers (thus meeting my holding period goals).

Does the tenant buyer lose out when they don't buy? Not really. I've never kicked out a tenant buyer if they wanted more time. We just renegotiate the terms. When they do leave it's because of a break up, or job change, transfer, or something like that. They may be better off waking away from a 3-5% purchase deposit after just 1 to 2 years than if they bought the house. Compare it to the normal 2-3% in closing costs to buy with a new loan, and then another 6-9% in costs to resell it though an agent.

BOTTOM LINE: People want to buy, not rent. Offer flexible, creative terms you can put in your classified ads, flyers, signs, etc. Offering to sell to your tenants reduces your management headaches. Collecting several purchase deposits on houses you bought "no money down" can become a reliable INCOME stream. For every 12 houses you buy, you may wind up selling 4, but you'll still have a net gain of 9 properties. Over time you can build a large portfolio. Taking a "quick turn" marketing approach as described above will also help you CASH in big chucks of equity to pay your expenses, and write yourself some "5-FIGURE PAYCHECKS."

How To Fix Up Properties For Maximum Curb Appeal And Resale Value

2010-08-07T21:04:00.001-07:00

Your goal during the fix-up phase is to increase the property's curb appeal and resale value by:

1. Giving the property and grounds an industrial strength cleaning.

2. Applying a cosmetic facelift to the exterior of the property and grounds.

3. Applying a cosmetic facelift to the interior of the property.

Know What You Don't Know About Property Repairs
A word to the wise: If you're thinking about doing the fix-up yourself, first ask yourself this question: Do I have the knowledge, skill, and experience necessary to do a top-notch, professional quality job? Be honest with yourself. I've seen a lot of money wasted by so-called weekend handymen who didn't possess the skill levels necessary to achieve a first class job, and they had to call in a professional at a great expense to bail them out and redo their handiwork. Know your limitations and abide by them. Don't try to save money by doing repairs, which you aren't qualified to do. In other words, know what you don't know about property repairs, and never attempt to fix stuff that you know absolutely nothing about, regardless of how many times you've seen Norm fix it on reruns of This Old House! The often-heard refrain of, "don't try this at home," should be applicable to all amateurs for any repairs.

Seven Key Elements That Must Be Included In Your Property Fix-Up Plan
The trick to having a fast property fix-up that's on schedule and within budget is to be well organized. In order to do this, you must make certain to include the following seven key elements in your property fix-up plan:

1. Budget: Establish a bottom-line budget before you start the job.

2. Total job cost estimate: Estimate to within five percent how much the total fix-up is going to cost.

3. Labor: If you don't have the knowledge, experience, and time to do a first class professional looking job,

hire competent tradesmen and contractors to do it for you.

4. Job supervision: If you don't have the knowledge and time to supervise the job yourself, hire a competent professional to do it for you.

5. Quality control: Have all of the completed work inspected to make certain that it has been done in a professional manner in accordance with acceptable construction methods and building codes.

6. Work schedule: Set a coordinated work schedule to complete the entire job.

7. Completion date: Put completion dates in all your contracts and hold everyone accountable.

How To Avoid Being Ripped-Off By Unscrupulous Repairmen And Contractors
Here are three ways that you can avoid being ripped of by the many unscrupulous repairmen, tradesmen and contractors who make a living taking real estate investors to-the-cleaners on a regular basis:

1. Hire only properly licensed and insured repairmen, tradesmen and contractors.

2. Require written estimates for all jobs.

3. Require that everyone who provides labor and materials on your job sign your state's version of a waiver and release of lien upon final payment form.

How To Hire Only Properly Licensed And Insured Repairmen And Contractors
In order to avoid being duped into hiring one of the numerous unlicensed and uninsured crooks masquerading as legitimate repairmen and contractors, you must follow these eight steps to weed out the phonies, fakes and frauds:

1. Require that all repairmen and contractors provide copies of their license or of competency, occupational license, workers” compensation insurance certificate, workers” compensation exemption certificate for sole employees, general liability insurance certificate and automobile liability insurance certificate.

2. Require that all repairmen and contractors provide four verifiable customer references.

3. Contact each customer reference provided and ask them if they would hire the repairman or contractor again.

4. Conduct an online search of your state's contractor license database to verify that the contractor has a valid license.

5. Contact all of the insurers listed on the insurance certificates to verify that the policies are valid and in effect.

6. Contact your local city and county building departments to check if there's a history of complaints against the repairman or contractor.

7. Contact your local Better Business Bureau to check if there's a history of complaints against the repairman or contractor.

8. Log onto your state attorney general's consumer investigations Web page to check if the repairman or contractor is under investigation.

How To Find Competent Professional Tradesmen And Contractors
How do you find competent professional tradesmen and contractors? Start by looking on the Internet and in your local newspaper under the professional services section. Or, better yet, visit construction job sites and ask tradesmen if they're interested in side-work. In most cases, they will be. Ask them for references from people they have done work for. Also, try to see previous examples of their work. A little investigative work on your part could pay handsome dividends, especially if it helps you to avoid being stuck with a less than professional looking job. I've had good luck hiring retired tradesmen who are looking for part-time employment.

Require Written Estimates For All Jobs
In order to avoid being ripped off by unscrupulous repairmen and contractors, require written estimates that include the following information:
1. Detailed description of the scope of all work to be performed on the job to include cleanup.

2. Detailed work schedule with commencement and completion dates.

3. Specifications for all building materials to be used on the job.

4. Listing of all building permits required to perform the job.

5. Detailed payment schedule outlining the amount and time when payments are to be made.

6. Warranties covering workmanship and building materials used on the job.

What You Need to Know About Your State's Construction Lien Law
You need to know that under most state construction lien laws, anyone who provides a service, labor or materials for the improvement of real property has a right to file a lien against the property for nonpayment. Furthermore, if you do pay a contractor for a job, and the contractor fails to pay the subcontractors who supplied the labor and the materialmen who supplied the materials, you're still financially responsible for paying them even though you've paid the contractor in full. In other words, you could end up paying for a job twice if you don't have legal proof that everyone was paid in full.

Require Everyone To Sign A Release Of Lien
In order to avoid paying for a job twice, require that everyone who works or supplies materials on your job sign a Waiver and Release Of Lien Upon Final Payment when they're paid. This way, you'll have legal proof that everyone connected to your property fix-up was paid in full.

Give The Property An Industrial Strength Cleaning

The first step in the property fix-up phase is to thoroughly clean the property's exterior to include the roof and all walkways and parking areas. You can apply an industrial strength cleaning to any type of property by using a pressure washer with a minimum capacity of 3500 PSI at 3.5 GPM. Pressure washing will remove all dirt, grime, soot, oils, and other pollutants from all exterior surfaces. I recommend that you hire the services of a competent professional pressure washing service that uses state-of-the-art equipment and the proper chemicals. The main objective in having your property's exterior thoroughly washed is to be able to see what is beneath the last five year's worth of dirt, filth, and grime. It's really amazing what a professional pressure washing can do to a property's appearance. Plus, pressure washing eliminates a lot of labor-intensive work such as scraping paint. In most cases, the only things necessary prior to applying the finishing coat of exterior paint will be caulking and priming the surfaces. Lastly, a thorough pressure washing will expose any rotted wood and other building materials needing replacement.

Always Complete The Exterior Facelift First
Rule number one in the fix-up of any property is to always complete the exterior facelift first. This way, the property looks enticing from the curb and helps to lure potential buyers inside for a further look.

Don't Scrimp On Paint
Don't scrimp on the quality of paint or the cost of a quality paint job. An amateurish looking paint job done by an inexperienced painter with cheap paint, sticks out like a sore thumb, while a professional looking paint job will literally add thousands of dollars to a property's resale value. Fact is, there's no greater return on investment than the increased value brought by a top quality, professional looking exterior and interior paint job. I am constantly amazed at how a good quality paint job can drastically upgrade the appearance and resale value of any property.

Choose A Color Scheme That Enhances Your Property's Curb Appeal

It's extremely important that you choose an exterior paint color scheme that will enhance your property's curb appeal. I use a three-color exterior paint scheme that my wife, Barbara, came up with in 1995. It incorporates three tropical colors that people generally associate with Florida. For example, I paint the body of the building one color, the fascia and exterior doors one color and the drip edge around the roof and window shutters one color. Go to paint related Web sites online or visit your local paint store for suggestions on the exterior color schemes that will best accentuate your property's character and charm.

Select An Interior Color Scheme That Uses Neutral Colors
The interior walls and ceilings should be painted in light neutral colors, using quality interior flat latex paint. The interior trim and doors should be painted with latex semi-gloss enamel paint. For example, I use a two-color interior color scheme: flat white paint on walls and ceilings and antique white semi-gloss on trim and doors. Please keep in mind that a professional interior paint job using quality paint will enhance a rental unit's appearance and increase the property's resale value, while a shoddy paint job using cheap paint will detract from a rental unit's appearance and do nothing to contribute to the property's resale value!

Apply Textured Coatings To Rough Interior Wall And Ceiling Surfaces
You can avoid the cost of replacing interior walls and ceilings that have rough surfaces by applying a textured coating to them. A professional looking texture job will greatly enhance the appearance of your problem walls and ceilings. In most cases, the best and least expensive texture to use is premixed joint compound. Joint compound will bond to most wall and ceiling surfaces such as drywall, lath and plaster. And, pre-mixed joint compound is less expensive and easier to apply than conventional plaster mixes.

My Property Fix-Up Motto Is Clean, Repair Or Replace As Needed
Being a parsimonious Yankee from New Hampshire, my property fix-up motto has always been clean, repair or replace as needed. In other words, first try cleaning it, and if that doesn't do the trick, try repairing, and if that doesn't work, replace it with a pre-owned replacement from a reputable source. The following is a listing of items that must be cleaned, patched, repaired or replaced when fixing up a property:

1. Walkways and parking areas. Clean, repair, patch and seal all walkways and parking areas as needed.

2. Mailboxes. Clean, repair or replace all mailboxes as needed.

3. Exterior doors. Clean, repair or replace all exterior doors, hardware and locksets as needed.

4. Windows. Clean, repair or replace window frames, glass and locks as needed.

5. Exterior lighting. Clean, repair or replace all exterior light fixtures and bulbs as needed.

6. Interior doors. Clean, repair or replace all interior doors, hardware and locksets as needed.

7. Kitchen cabinets. Clean, repair or replace all cabinet doors, hardware and countertops as needed.

8. Interior lighting. Clean, repair or replace all interior light fixtures and bulbs as needed.

9. Plumbing fixtures. Clean, repair, or replace all sinks, tubs, showers, faucets, commodes and vanities as needed.

10. Heating and cooling systems. Clean, repair or replace all heating and cooling systems as needed.

11. Floor coverings: Clean, repair or replace all carpets and floor coverings as needed.

12. Exterior and interior paint. Clean, prepare and paint all exterior and interior surfaces.

13. Landscaping. Prune, cut, trim and mow the property”s landscaping and lawn as needed.

14. Gutters and downspouts. Clean, repair or replace all gutters and downspouts as needed.

15. Roofs. Clean, repair or replace as needed.

Conduct Final Walk-Through Inspections Before Making The Final Payments
Lastly, prior to making any final payments to tradesmen and contractors, do a walk-through inspection of the property to determine if all work has been satisfactorily completed. When doing your walk-through, check the quality of the materials and workmanship. Make lists of all the discrepancies you find during your walk-through and give them to each applicable contractor or tradesmen to correct. In doing this, be fair and realistic, but don't let anyone take unfair advantage of you. When making your final payments, be certain you get a release of lien form signed by each contractor or tradesmen which states that they've been paid in full for all labor and materials used on your property.

Don't Get Carried Away During The Fix-Up
Lastly, please don't get carried away during the fix-up and do foolish things like putting up expensive vertical blinds, installing expensive floor coverings, or mirroring bedroom ceilings. When doing a cosmetic facelift on a property, never lose sight of your fix-up objective, which should always be to maximize the property's curb appeal and resale by giving it an industrial cleaning and cosmetic facelift.

Directionals Move Properties

2010-08-07T20:59:00.001-07:00

One of the most effective and frequently overlooked methods of filling or selling a property is the use of directional arrow signs. I'm guilty of it myself, although usually I'm merely lazy instead of overlooking this great marketing technique. Being lazy usually costs me in terms of holding costs, especially if you happen to be in a buyer's market as I currently am. Even if you're in a hot market where everything is moving quickly, directionals will move your property that much quicker.

Yes, there are numerous other methods you can use such as: flyers in the neighborhood and large stores and shopping malls, ads in the large and small papers, listings on the internet, listing with a

real estate agent, calling real estate agents to inform them, mailouts to apartment complexes, yard signs with flyer boxes, open houses, calling loan officers, emailing your buyer list, etc., etc. (I have one friend use advertises her properties on the cable preview channel and she says it works great. Unfortunately, that option isn't available in my area.)

Why Do Directionals Work So Well?
Directional arrow signs work well for a number of reasons. First, they are targeted to the neighborhood where the property is located so the folks who will actually see them are the buyers or tenants who are already driving the neighborhood looking for properties. The second group of people who will see the signs are the residents who already live there. Many times the nearby residents will have family or friends who want to move into the neighborhood.

Flyers delivered to the neighborhood will also accomplish the notification aspect that there's an available property, but what flyers don't do is lead the prospect or prospect's friend straight to the front door.

Why Not Just Use Typical Bandit Signs?
For those that don't know, bandit signs are the road-side signs that many people utilize to advertise their business, favorite politician, and/or properties for sale or lease. The signs come in many colors and sizes, some professionally done and some hand-written. The nickname bandit signs stems from the fact that many municipalities have sign ordinances that prohibit their use or restrict use in the public domain or right of way.

The primary weakness of typical bandit signs for marketing a property for sale or lease is that the sign provides a little information (often impossible to read while driving by) and a phone number. If I'm out looking for properties today, I don't want to leave a message or turn around to go see what the sign said. I want to drive by NOW, not tomorrow, not later today, right now.

How is a Directional Arrow Sign Different?
Who said anything about one directional sign? I'm talking an entire series of signs that leads the prospect from the main thoroughfare all the way through the neighborhood to the driveway of your property. There's no thinking, major squinting, turning around, or phone calls involved here. "Oh, honey, turn there quick." Then it's "look, there's another sign, turn there." etc., all the way to the property. Then, of course, there's more information including contact numbers available at the property.

Okay, So How Do I Implement This Technique?
Here's the way I do it and you should tweak it and improve to suit you. When a property becomes available, I study the neighborhood and determine the "best" ways to lead prospects to my property. By "best", I take into consideration ease of navigation, neighborhood amenities like parks and schools, and surrounding properties. If there's a back way into the subdivision or location, I map out both paths.

My target locations are every single corner that my prospects will need to turn in order to get to the property. If there's a really long stretch without a turn, then I might need a directional arrow in the middle of that stretch to keep them coming. My experience has been that I will have to replace signs within the neighborhood only a few times, but I have to monitor the signs on the major roads and replace them fairly frequently. However, these signs tend to stay put much longer than a traditional bandit sign.

Then I simply go door-knocking and ask people if I can place a small directional sign in their yard. I intentionally do this during the day to miss folks because I'd rather not get involved in lengthy discussions about the property and I've got many doors to get to. Once I'm sure no one's home, I leave a letter in the screen door or someplace where it will be easily seen. I drop this letter at all four houses on each corner on the route.

What Does the Letter Say?
I've found it's important to NOT come across as a real estate investor or a company. I use an informal style and simply ask for help in finding someone to buy or lease my property. Points that I include in the letter are:

It's just a small directional arrow sign
I'll put it right by the corner and not really in their yard
I'll make sure I don't damage any sprinkler systems
They get a $20 gift certificate once the process is done
They get to choose the store, restaurant, etc.
Please call me to replace the sign if it gets removed
The first person who calls me wins

This technique has never failed. Frequently, I'll have two or more people from each corner call me, but I've always had at least one person call to agree to the arrangement. Some of them have even taken serious offense to do-gooder neighbors who remove the signs as the property owner is concerned they might not get their gift certificate. I'll describe the signs in more detail below, but I started adding "Placed With Permission of Owner" on the top of the signs and this reduced my losses.

The end result of this effort is that perhaps I pay out $160 to $200 in referral fees, but I have to run my $50 to $150 worth of weekly newspaper ads many, many fewer weeks. It definitely pays off from a monetary standpoint. The other benefit is that I now have a list of folks near each property (whom I've never even met) who think I'm great. Every single person will call me back after receiving their gift to thank me and the large majority volunteer that I'm more than welcome to do this anytime I need.

What Do the Signs Look Like?
The signs I use are basically the standard bandit signs cut in half. A normal size bandit sign is 18" x 24" and I use 9" x 12" signs for my directional arrows. I have a red directional arrow that takes up about 5 inches of the sign, leaving the bottom 4 inches blank. Within the red arrow I ask the sign company to put my message which could be "Owner Finance" or "Lease Purchase" or whatever you prefer. The message is easy to read.

In the blank space I use a large marker to write the property address. It's important to leave enough blank space below the arrow to write the address in large numbers and letters. Also, as I mentioned above, I include the "owner permission" tag line on top of the arrow. I buy 36" wooden stakes from Home Depot and attach an arrow sign to each side of the stake so the information can be seen coming and going.

If you don't have a source for these signs, please contact www.BanditSigns.com to get some. They're inexpensive and well worth the cost.

I hope you'll add this tool to your marketing techniques and discover the same success I've had in using it. You may find that you abandon many other advertising tools you've been using in the past.

All About Property Disclosures

2010-08-07T20:57:00.001-07:00

When you are selling a property there are certain disclosures mandated by state and federal law. Do you know them? Are there other disclosures that are recommended, even if not required? This article will address those issues.

Federal Disclosures
Federal law requires disclosure of lead-based paint hazards on any property built before 1978. This is generally done on an EPA-approved form, combined with giving the buyer a copy of the pamphlet, "Protect Your Family from Lead in Your Home", available from the EPA's website. The law requires that you give your buyers a ten-day opportunity to test the house for lead.

State Disclosures
Every state has different required disclosures, so it is best to research your own state's law. A good place to start is www.findlaw.com. Common disclosures include radon, mold, asbestos, meth labs, whether the property is in a flood zone, and other health and safety issues. States like California require disclosure of "seismic hazards". Colorado requires disclosure of the source of water. Some states require disclosure of the existence of child predators in the area ("Megan's Law). The bottom line - learn your state's disclosure requirements.

Realtor Disclosures
Typically your real estate broker will ask you to fill out a 4 page property disclosure form to give to the buyer. In most states this is not a mandatory disclosure but rather a disclosure that the buyer demands in the purchase contract. I would recommend you fill this out either way, answering as truthfully as possible.

Common Law Disclosures
The common law rule is that you are required to disclose any known, "latent" defects. That is, you must disclose anything that you know about that is not easily discoverable by a visual inspection of the property. For example, if you opened up a wall to fix a mold problem and then sealed it up with new drywall, there's no way for the buyer to know this. Such an issue should be disclosed to your buyer.

"As-Is"
Sellers commonly mistake the "as-is" clause in the contract as a substitute for full disclosure. It is not. Even if you are selling the property "as-is", you need to comply with state, federal, and common law disclosures. Failure to do so could result in a lawsuit for monetary damages or rescission of the contract.

The bottom line is that disclosure is the name of

the game. When in doubt, tell the truth, tell what you know or have reason to know. It avoids many problems down the line.

12 Ways to Lose a Sale

2010-08-07T20:55:00.001-07:00

Have you ever made a mistake that cost you the sale of a house? I have and I've made every one of the following mistakes during my many years of

investing in single family homes. Some have cost me a few hundred dollars, while others have cost me the sale totally. All have cost me time. The secret is to recognize the mistake and strive not to repeat it. Are you making any of these mistakes right now?

Curb Appeal Not as Good or Better Than Others in the Area
Stand on the edge of the street and look at the house on either side of yours, then look at the house across the street. You're looking for landscaping and general appeal as someone would see from their car. Most people want to drive by a property first. Will the outside make them want to look at the inside? Yours should be as good or better than those around you, if you want a fast sale at top market price.

Showing the House And Saying You're Going To Paint, Carpet, Roof, etc.
Do it before you waste your time and money advertising and showing. People are not used to seeing the before and visualizing after like we experienced investors are. Sometimes we forget this.

Over-Selling
When a prospective buyer indicates they want the house, write it up! Don't keep selling. More than once I have had someone say they wanted the house, but I kept selling to reinforce the sale. Somewhere in the process, the buyer would decide to "think about it awhile and get back to me." These are hard words when you know that you had the house sold. When you have a sale, stop selling.

Letting the Buyer Walk Around with the Appraiser or Inspector
This one has really cost me. It cost me the sale of a home one time and added expenses numerous times. It will cost you, too, if you let it happen. If you let someone move in before closing, this may be hard to avoid. If you want an expert to point out the flaws in your house, let the buyer go around with one of these people.

Trying to Impart Your Vast Knowledge to the Buyer
I have to fight this urge every time I talk to a buyer. I enjoy talking, helping and educating people, but during a sale is not the time. You will only confuse the buyer when you try to pass on your knowledge and experience in 15 minutes. People will not make a decision to buy when they are confused.

Not Fixing Obvious Defects Before the Appraiser or Termite Inspector Comes
If they see something wrong, they will often want to look closer. Once they have written up a problem, you may have to hire someone certified to do the work. Do it with a general handyman before they come out. I've paid big bucks for that mistake. Most times someone must re-inspect too, which will cost you more time. Maybe even enough time for the buyers to change their minds. At any rate, the appraiser is just like you and me. If the house looks clean, neat and well cared for, he will give it the highest value possible.

Doing Little or No Follow Up Work After Signing the Sales Agreement to Combat Buyer's Remorse
More sales have been lost and made due to this than all the others combined. Lost and made? What am I talking about? Buying a home is the biggest financial decision most people will make in their lifetime. After someone has made the decision to buy, it is only human nature to question that decision later. When the going gets tough in the qualifying phase, people will question their buying decision more frequently.

Every time they do, you stand to lose the sale. You fight this by contacting them every other day with some bit of information. Example: you talked to the mortgage company, the appraisal was done today, etc. Call or write with any information you have or can get, just to stay in touch. Most buyers will view this as a great service, which it is, and will refer others to you. What are you really trying to do? Keep them from backing out of the deal, of course.

Allowing the Buyer to Move into the House Prior to Closing
At best it will cost you in things they find wrong with the house. At worst, they may decide this is not the house for them after all. What happens if an air conditioner unit goes out (around $10,000) during their stay, but before closing. You can put it in the contract that such things are their problem, but who is in the driver's seat at this point? Besides, they used all their money on the down payment, right?

Not Getting a Large Enough Deposit
People hate to lose money. A large binder deposit will normally commit someone. Get what you can when you write up the agreement, and ask for more soon. At least if they back out, you will have something to show for the time you kept it off the market.

Not Letting the Buyer Know the Only Decision They Have to Make is, "Do I Want It?"
Most first time buyers know little about the process of buying a house. Many buyers will not make a decision to buy simply because they do not know what the next step is and are afraid to ask. This one has helped me sell more houses than any other technique. Just let your buyers know the only decision they have to make is "do I want this home?" Emphasize home, not house. Assure them that you will handle all the details from then on.

Not Asking for the Sale as Soon as You Sense They Like the Home
Most people need a little nudge to make a decision or commitment. You must provide that nudge or you will lose many sales you could have otherwise made. Ask for the sale as soon as possible.

Not Having the Information the Buyer Wants Or Needs
This one will cost you many sales. Buyers want to know the details on the house: square feet, year built, lot size, schools, utilities, etc. They want to know how much will be required as a down payment and what the payments will be, how long it will take to qualify and get in the house, etc. Anticipate as many questions as you can and have answers ready.

Having this information handy will give you confidence when talking with buyers. Remember, the only people who never make mistakes are the ones who never actually do anything. Just get out there and do something, but as you become more experienced, learn from your mistakes and don't repeat them.

10 Tips for Adding Curb Appeal by Sal Vannutini

2010-08-07T20:54:00.001-07:00

First impressions are just as important in real estate as anything other aspect of life; if not more important. Many prospective homebuyers will size up a property within just a few seconds of viewing it! That doesn't even get them in the door.

What this means to real estate investors is the importance of adding curb appeal. Sprucing up the exterior of the property to give it that much desired special touch doesn't have to be expensive or a lot of hard work-it does mean that you need to know what buyers are looking for when they first see a property. Take a look below at a few of the simple and inexpensive ways you can easily add curb appeal to any property.

1. Make sure the windows and gutters are clean out. Overflowing gutters and grimy windows really detract from the appeal of any property.

2. If the home has vinyl siding; consider pressure washing it. A

pressure washer can be rented fairly inexpensively at a number of home improvement stores and equipment rental shops. The small cost can make a significant difference in the overall appearance of the property.

3. Pay attention to the landscaping. This can be oneof the most important aspects of adding curb appeal to your property. If the lawn isn't attractive, or looks like it would require too much work to get it into shape, many buyers will keep on driving.

To create a great looking lawn, water it regularly and keep weeds down with a spray.
Pay close attention to the walkway and sidewalk, where weeds tend to creep before you realize it
If the lawn has patchy areas, seriously consider laying down some sod. While this can be a bit on the expensive side, it will definitely increase your profit margin when it comes time to sell.

4. Flowers can really add maximum curb appeal and theyare extremely easy and cheap and can cinch a sell. Consider placing an attractive earthenware container of yellow flowers next to the steps leading up to the house or the front door.

This lends a welcoming appearance to the home. A few flower beds placed in front of the house, set with mixed flowers in brightshades and trimmed with an attractive edging also doeswonders to spruce up a property.

5. Some of the most important aspects of adding curb appeal are incredibly inexpensive.

Paint or replace the mailbox, if necessary.
Add a brass door knocker or attractive wreath to the front door.
If there are not exterior lighting fixtures, install some to give the home the look of a safe harbor.

Finally, take the time to stand back from the property and view it objectively. Think about how a prospective buyer would see the property. Does the home look welcoming, pleasant and charming or does it make you want to run in the other direction? Make notes of what you see and get to work!

10 Inexpensive Ways to Spruce Up Your Rental or Rehab Property

2010-08-07T20:53:00.000-07:00

It's easy to fix up your properties if you have unlimited cash. However, you need to keep your repairs to a Related Information: "Flipping Properties Course" minimum to stay profitable. You also need to keep your properties in good shape to attract tenants or buyers. There are the basic improvements, such as carpet and paint, but these can still costs thousands of dollars. The following are some inexpensive ways to improve your properties with very little cash.

#1) New Electrical Switch Plates
This is such a minor, yet overlooked improvement. Most rental owners and rehabbers paint a unit and leave the old, ugly switch plates. Even worse, some even paint over them.

New switch plates cost about 50 cents each. You can replace the entire house with new switch plates for about $20. For the foyer, living room and other obvious areas, spring for nice brass plates. They run about $5 each - not much for added class.

#2) New or Improved Doors
Another overlooked, yet cheap replacement item is doors. If you have ugly brown doors, replace them with nice white doors (you can paint them, but unless you have a spray gun it will take you three coats by hand).

The basic hollow-core door is about $20. It comes pre-primed and pre-hung. For about $10 more, you can buy stylish six-panel doors. If you are doing a rehab, the extra $10 per door is well worth-it. For

rentals, consider at least changing the downstairs doors.

#3) New Door Handles
In addition to changing doors, consider changing the handles. An old door handle (especially with crusted paint on it) looks drab. For about $10, you can replace them with new brass finished handles. Replace the guest bathroom and bedroom door handles with the fancy "S" handles (about $20 each).

#4) Paint/Replace Trim
If the entire interior of the house does not need a paint job, consider painting the trim. New, modern custom homes typically come with beige or off-white walls and bright-white trim. Use a semi-gloss bright white on all the trim in your houses.

If the floor trim is worn, cracked or just plain ugly, replace it! Home Depot carries a new foam trim that is pre-painted in several finishes and costs less than 50 cents per linear foot. Create a great first impression by adding crown molding in the entry way and living room.

#5) New Front Door
You only get one chance to make a first impression. A cheap front door makes a house look cheap. An old front door makes a house look old. If you have nice heavy door, paint it a bold color using a high-gloss paint. If your front door is old, consider replacing it with a new, stylish door. For about $125, you can buy a very nice door.

#6) Tile Foyer Entry
After the front door, your next first impression is the foyer area. Most rental property foyers are graced with linoleum floors. Consider a nice 12" Mexican tile. An 8' x 8' area should cost about $100 in materials.

#7) New Shower Curtains
It amazes me that many landlords and sellers show properties with either no shower curtain or any ugly old shower curtain in the bathroom. Don't be cheap - drop $40 and buy a nice new rod and fancy curtain.

#8) Paint Kitchen Cabinets
Replacing kitchen cabinets is expensive, but painting them is cheap. If you have old 1970's style wooden cabinets in a lovely dark brown shade, paint them. Use a semi-gloss white and finish them with colorful plastic knobs. No need to paint the inside of them (unless you own a spray gun), since you are only trying to make an impression.

Americans spend 99% of their time in the kitchen (when they are not watching TV). A fancy modern faucet looks great in the kitchen. They can run as much as $150, but not to worry - most retailers (Home Depot, Home Base, etc) often run clearance sales on overstocked and discontinued models. I have found nice Delta and Price Pfister faucets for about $60 on sale.

#9) Add Window Shutters
If you have ugly aluminum framed windows, consider adding wooden shutters outside. They come pre-primed at most hardware retailers and are easy to install. Paint them an offset color from the outside of the house - (e.g., if the house is dark, paint the shutters white. If the house is light, paint them green, blue, etc.).

#10) Add a Nice Mailbox
Everyone on the block has the same black mailbox. Stand out. Be bold. For about $35 you can buy a nice colorful mailbox. For about $60 more, you can buy a nice wooden post for it. People notice these things....and they like them!

3500 Beverly Drive HIGHLAND PARK, TX 75205-2802

2010-05-02T06:39:00.000-07:00

$15,500,000

Beds: 6
Baths: 8
SqFt: 18,841

Description

With a primary goal of creating a timeless environment rather than a specific style , the builder s intent with the creation of this property was to design a home that would mold itself to the owner, not the other way around. A home that would be defined by its owner and their personal sense of aesthetics. This home does not dictate style, but instead is an elegant, well constructed canvas for the owner. Capable of hosting grand-scale events*

Home Facts

Bedrooms: 6
Full Bathrooms: 8
Half Bathrooms: 2
Living Area: 18,841
Lot Size: 0 acres
Type: Single Family Home
County: DALLAS
Year Built: 2007
Status: Active
Subdivision: Highland Park
Area:

Exterior Features

Garage/Parking: Dimensions: 20 x 20, Covered Spaces: 8, Garage Spaces: 8
Lot: Lot Number: 11
Style: Stories: 3
Swimming Pool: No

Interior Features

Bedroom 2 : Level: 2, Dimensions: 18 x 16
Bedroom 3: Dimensions: 18 x 18, Level: 2
Bedroom 4: Dimensions: 16 x 15, Level: 2
Bedroom 5: Dimensions: 19 x 15
Breakfast Room: Dimensions: 17 x 17, Level: 1
Dining Room: Level: 1, Dining Areas: 3, Dimensions: 24 x 16
Fireplace: Fireplaces: 9
Kitchen: Dimensions: 19 x 19, Level: 1
Living Areas: Living Areas: 4
Living Room 1: Dimensions: 28 x 24, Level: 1
Living Room 2: Level: 1, Dimensions: 36 x 28
Living Room 3: Level: 1, Dimensions: 22 x 17
Master Bedroom: Level: 2, Dimensions: 27 x 25
Security: Yes
Study: Dimensions: 26 x 12, Level: 2
Utility Room: Level: B, Dimensions: 19 x 17

Call Now: 1-866-898-1336

6812 Hunters Glen Road UNIVERSITY PARK, TX 75205 32.849202 -96.800608 27918226 $18,000,000

2010-05-02T06:34:00.000-07:00

Beds: 5
Baths: 5
SqFt: 10,094

Description

Prime Volk Estates 1.5 acres of lush grounds backing to Turtle Creek. Frank Welch, original architect, combines Texas Modernism with a contemporary feel for space and light. Incredible home with separate children's wing, private guest wing, and master retreat. Pool, Pavilion, gardens, outdoor firepit and privacy are few of the amenities. A rare find in the Dallas Area.

Home Facts

Bedrooms: 5
Full Bathrooms: 5
Half Bathrooms: 2
Living Area: 10,094
Lot Size: 1.51 acres
Type: Single Family Home
County: DALLAS
Year Built: 1980
Status: Active
Subdivision: O Donnell
Area:

Exterior Features

Garage/Parking: Covered Spaces: 5, Garage Spaces: 5
Lot: Lot Number: 4A
Style: Stories: 2
Swimming Pool: Yes

Interior Features

Bedroom 2 : Level: 2, Dimensions: 14 x 15
Bedroom 3: Dimensions: 14 x 20, Level: 2
Bedroom 4: Dimensions: 17 x 20, Level: 2
Bedroom 5: Dimensions: 14 x 19
Dining Room: Level: 1, Dining Areas: 2, Dimensions: 23 x 23
Fireplace: Fireplaces: 4
Kitchen: Dimensions: 19 x 32, Level: 1
Living Areas: Living Areas: 4
Living Room 1: Dimensions: 23 x 23, Level: 1
Living Room 2: Level: 1, Dimensions: 22 x 22
Living Room 3: Level: 2, Dimensions: 17 x 27
Master Bedroom: Level: 1, Dimensions: 21 x 25
Security: Yes
Study: Dimensions: 14 x 22, Level: 1
Utility Room: Dimensions: 11 x 15, Level: 1
1st Level Features: Half Baths: 2, Full Baths: 1
2nd Level Features: Full Baths: 4

Call Now: 1-866-898-1336

12903 Chalon Road Los Angeles, CA 90049

2010-05-02T05:42:00.000-07:00

$17,500,000, 6 Bed, 8.5 Bath | 10,656 Sq Ft on 2.51 Acres

Property Information for 12903 Chalon Road

Save Listing

Property Features
Single Family Property Status: Active Area: Brentwood (C06) County: Los Angeles Year Built: 2001 6 total bedroom(s) 8.5 total bath(s) Approximately 10656 sq. ft. Style: Mediterranean Living room Dining room Family room Office	Hardwood floors Fireplace features: Wood Fuel, LOCATION: Den, Living Room, Master Bedroom, Patio Pool features: Heated Swimming pool(s) Spa/hot tub(s) 4 covered parking space(s) Parking space(s): 15 Parking features: Garage Door Opener, Gated, Garage Heating features: HEATING TYPE: Central Furnace Central air conditioning Central heat Roofing: Tile	Community security features View View: Canyon View Hill/mountain view Ocean view Lot is 109335 sq. ft. Approximately 2.5 acre(s) Lot size is between 2 and 5 acres Existing Structures: Cabana Zoning: LARE40 Jr. High School: WITH High School: CITY

Interior Features

Central Vacuum, Dishwasher, Garbage Disposal, Refrigerator, Trash Compactor, Built-In Cooking Appliances, Microwave, Range, Range Hood, Marble Flooring, Stone Flooring, Bar, Intercom, Security System - Owned, DINING ROOM/AREA FEATURES: Breakfast Area, BATHROOM FEATURES: Powder Room, LAUNDRY LOCATION: Inside

Exterior Features

Covered Porch, Enclosed Patio, Lanai

Community Features

Paddle Court(s), Room For Playing court(s), Tennis Court Private

Listing Information

Refreshed at 5:23 AM PT (11 minutes ago)
Added on Feb 11, 2010 (80 days ago)

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Costa Rica Pacific Ocean- Costafila Mountains

2009-12-16T08:26:00.000-08:00

PROPERTY DETAIL

FACILITIES
Property Type: Finca	Property Site: Mountainside
Country: COSTA RICA	City: Uvita/Dominical
Zip Code: 81550	Region: Puntarenas
Address: Pacific Coast Highway	Vacation Property (for rent): No
Construction Year:	Surface Area:
Bedrooms: 0	Bathrooms: 0

DESCRIPTION

Prestigious Escalaras estate properties located above the south Pacific Coast between Dominical and Uvita, with incredible views of the famous "Whales Tail" rock formation, "Tres Hermanas" rock formation, Cano Island, Isla Violines (Island), and far down the coastline to Quepos. 26 properties have already been purchased in this expansive eco-development. These estate properties are in an exclusive, private, gated community, featuring large private parcels with beautiful and unobstructed views ideal for the home of your dreams. Each lot was designed especially to protect your privacy and is spacious enough for you to create your own personal paradise within the splendor of the Costa Rican mountainside. Good year round access and first class infrastructure that includes road maintenance and state-of-the-art water and electrical systems that supply the entire project and will be brought right to your property. Access to the development will be paved (1.5 kilometers complete) to become one of the quickest and smoothest entrances in all of the South Pacific Zone. The internal road that provides access to each parcel is wide and lined by lush and exotic native plants. The extensive landscape work and reforestation give you the distinct feel of the tropics. An Ocean view park & recreation/bar-b-que area is complete, and there is a planned community center and private neighborhood grocery store to be built on the property for the convenience of the property owners. When you purchase a lot, you may choose to use the on-staff master landscaper to help make your vision of paradise a reality. The resident landscaper can custom tailor a landscape plan for your lot and procure and install the plants. On-site staff will provide you with advice and assistance during your consideration for home construction. All amenities are included (water system, electricity, high speed internet, and personal entrance to each parcel). Plantelles (building sites) with beautiful Ocean, Mountain, Valley, Waterfall, and Tropical Forest views. This eco-friendly development has lush vegetation and abundant wildlife that can be seen across the grounds. Spectacular Pacific Coast sunsets in the evening. Ocean view properties offer some of the most amazing whitewater ocean views on the Ballena Coast, including a clear view of Marino Ballena National Park (home of the "Whales Tail"). The endless blue and turquoise ocean creates a sense of peace, relaxation, and tranquility. The ocean view parcels range in size from 2.5 to 10 acres and are priced from 275,000 to 500,000, depending on the amount of acreage and the view from the site. Mountain and Valley view parcels on the project are vast and stunning. The view changes with the seasons. You can see cascading waterfalls and running streams all year-round. The cool mountain breezes are refreshing amidst the pristine silence of the valley. The clouds roll peacefully into the valley each afternoon in the green season when tropical trees and plants bloom and change. This abundant wildlife habitat has spectacular tones of green spotted with brilliant yellow, red and orange flowers. These parcels range in size from 2.5 to 10 acres and are priced from 180,000 to 275,000, depending on the size of the plantelle (building site) and the view from the site. Just 4 kilometers to the Costanera (Pacific Coast) Highway and some of the most beautiful beaches in all of Costa Rica including Playa Dominical, Playa Hermosa, Playa Uvita, Playa Ballena, Playa Pinuela, Playa Ventanas, Playa Tortuga, Marino Ballena National Park, and Rancho la Merced National Wildlife Refuge. Great access to the proposed new southern zone International Airport, the new and complete southern zone Hospital in Cortez, the Grand Terraba River, and the Sierpe River Valley, gateway to Drakes Bay and the renowned Corcovado National Park. Generous seller financing and terms available on this acreage. Read about Corcovado National Park and projects coming to the Osa @

FEATURES

Furnished::	No	Dishwasher:	No	Alarm System:	No
Washing Machine:	No	Hotwater:	No	Office Room:	No
Linnen Supplied:	No	Pet Friendly:	No	Tennis Court:	No
Balcony:	No	Gym/Sauna:	No	Terrace:	No
Telephone:	No	Garage:	No	CableTV/Sat:	No
Ocean View:		Lake View:	No	Mountain View:
Ocean Front:	No	Lake Front:	No	Cellars:	No
Swimming Pool:	Private No Public No	Garden:	Private Public	Parking:	Private No Public No

Sales Price: Price upon request

Sponsored property :

Mountain Luxury Property For Sale in Spanish Catalonian Pyrenees, Spain :: Spanish Pyreneean Retreat on Barcelona’s Doorstep

2009-11-21T22:39:00.000-08:00

Location:
Spanish Catalonian Pyrenees Spain
Property Type:
Mountain Luxury Property
Property Details:
PRICE REDUCED TO 350,000 EUROS
With breathtaking views, sunny yet cool shirtsleeve summers, and countryside tranquility, this rustic-style Catalonian compound is a 10-minute walk from a village center and ideally situated for easy access to ski slopes, Barcelona and the Costa Brava, and southern France. At 1200m elevation on a hilltop in the Pyrenees, the south-facing property enjoys sunshine from dawn to dusk and overlooks a succession of mountain ranges stretching eastward to the Mediterranean.
The compound comprises a 310 m2 (3273 ft2) two-storey house and two outbuildings on 900 m2 of land surrounded on all sides by large open fields where horses graze every spring and fall. The top floor of the house, with 140 m2 (1478 ft2) under roof, consists of three bedrooms, one bathroom with tub, den or study, kitchen, large living-dining room, and a separate small room currently used as an office. Together with fireplaces in the den and living room (the latter with an inset wood-burning stove), diesel-fired central heating and double-glazed windows ensure warm and cozy temperatures in winter. Facing east and south off the kitchen is a large terrace, with another large terrace off the dining room facing south and west, both ideal for al fresco dining. The ground floor consists of a very large meandering room presently used as garage and laundry, a bathroom with shower, a storage room, a combination pantry/larder and bodega, a second garage, and two other rooms currently empty or used to store firewood and garden supplies. Building approval and associated permits have been obtained to convert this ground floor into an additional 170 m2 (1800 ft2) of living space, consisting of two bedrooms, two bathrooms, kitchen, dining room, living room, laundry and utility room, and covered porch, complete with separate entrances. Almost any modification to these plans that maintains or reduces the area to be renovated, would be approved.
The two outbuildings together represent tremendous value, since by law one cannot build in rural (“green”) areas of Catalonia unless there already are or have been structures on the corresponding sites. The larger, two-storey annex is approximately 170 m2 (1795 ft2) in area, with the smaller measuring about 70 m2 (740 ft2). Each can be renovated and kept separate, or their areas and/or volumes can be combined into a single new unit. To be approved, proposed uses should be “rural” or “agricultural” in character (e.g., artist studios, plant nurseries, workshops, garages and storage units, etc); additional residences are unlikely to be permitted.
The property’s location relative to sites of interest is superb. A two-minute drive to the center of the 280-inhabitant village reveals two fine restaurants, three bars, a large hotel, butcher, grocery, farmers’ coop, hairdresser, and carpinter. The town is also home to many weekenders from Barcelona and hosts several traditional festivals, dances, and communal meals each year. The French border is 10 km to the NE, with a string of delightful towns beginning at 25 minutes drive: Ceret (a former Picasso and Braques hangout) is an hour away, and both Perpignan (with a major airport) and the picture-book French port town of Collioure are 1½ hours drive. Both Barcelona and the Costa Brava are 1½ hours by car, Gerona and Vic an hour away, a host of smaller Medieval and Romanesque towns closer yet, and the lively resort town of Camprodon, with banks, restaurants, and a wide variety of shops, just 10 minutes down the hill.

House For Rent or For Vacation Rental in Bariloche, Argentina :: Tatanka Wakan - Large, Rustic home with spectacular views of mountains and golf cours

2009-11-21T09:00:00.000-08:00

Rent Price:
Starting At 2800 Per Week
Vacation rent Price:
Starting At 400 Per Night
Location:
Arelauquen Bariloche Rio Negro Argentina
Property Type:
House
Property Details:
Lot K-3 Notros Street Mountain views of Catedral, Ventana, and La Roca. (3 scenic mountains surrounding the golf course and lodge/housing area)
House - 350 sq. meters (approx 3,500 sq ft) timberframe home on 2 floors
Lot - 90 meters of golf course frontage, hole #8 with stream, rapids and waterfalls - close to lodge
Capacity - 10 to 12 with servant's quarters
Daily Rate: US $400 off season US $450 peak season plus 10% commission, plus IVA (tax)
Includes:
1/2 day maid service
Complete linens and towels for 16
All appliances with washer and dryer
Table setting for 16
Utilities
Local phone calls
2 TVs with DirecTV Satellite service
DVD player
Stereo
200x telescope
Features:
2 king master suites with stone fireplaces and large jacuzzis
Guest bedroom with two twin beds
Bunkroom with 2 double beds and 2 twin beds
Servant's quarters with twin bed
All bedrooms have private bathrooms, luxury mattresses and double wardrobes
Great room with large fireplace and dining for 12
Kitchen fully equipped with center island, service for 16 and an indoor/outdoor barbeque
Park-like yard with multiple terraces and built-in benches along stream with numerous rapids and waterfalls.

Lots/Land For Sale in Golfito, Costa Rica :: Lots for sale in Costa Rica

2009-09-25T05:58:00.000-07:00

Sell Price:
29000
Location:
Golfito Costa Rica
Property Type:
Lots/Land
Property Details:
The temperature is 70-80 degrees, there is little humidity and you can see for miles with beautiful mountain views. You are minutes away from an 18 hole eco golf course and country club that is part of the development and about 30 minutes from the private beach club available to lot owners for their use. If you do not want to make the trip to the ocean to take a swim, you can use the pool in the common area. You can then go for dinner or have a snack in one of the nearby restaurants, or simply pickup some groceries from one of the shops located in the development. A fantasy? Perhaps. But you can make it your reality at Villas Ives Kena. That’s up to you.
You can own a lot in a tropical location with moderate temperatures, beautiful mountain views, above average opportunity for appreciation with pricing below the developer’s retail price. Over 1000 acres in size, the development is an ambitious real estate development project. It is an eco-development project in Costa Rica that will include a gated community with building lots for houses, shops, restaurants, a golf course, a swimming pool and a country club. The development is located in the coastal hills/mountains, 8 km East of the port town of Golfito, which is on the south Pacific coast of Costa Rica.
The development has mountain views that are breath-taking. Doesn’t this sound like paradise? The ideal temperature is another attractive benefit of purchasing a lot in this area. The lowlands closer to the ocean will be hotter and more humid. The temperatures, which are in the 70-80 deg range, are perfect year around. You will enjoy endless days of sunshine year round. In May-November there will be a mid-afternoon warm rain that will clear up to sunny skies in the afternoon. You are 20-30 minutes away from public beaches or the private beach club that has been setup for the enjoyment of lot owners. So you have a choice of pool or beach every day. The combination of soil and climate make it perfect for growing flowers, it is a gardener’s paradise. The environment is so fertile that you will see “living fences” that landowners have put up. The wooden poles, cut from trees, that are put into the ground to make a fence will take root and grow branches, and leaves. Look at the pictures of the fence. When the fence was made those were just wooden poles, but now they are living fence posts with branches and leaves growing from them. Within Costa Rica's 51,200 square kilometers there is a wider variety of species of birds than in all of Europe or North America.
The words that best describe Costa Rica are perhaps "pura vida". It means "pure life" and that is what visitors to this Central American country will find. From exotic animal life to exotic scenery, travelers will find themselves inexorably drawn to Costa Rica and its residents. The abundance of activities available will have travelers checking and re - checking their lists to make sure they haven't passed anything up. Costa Rica is a beautiful and peaceful country filled with tropical rain forest, amazing beaches, and a peaceful way of life. With a relatively small population of roughly four million inhabitants, Costa Rica also boasts of one of the oldest and more consolidated democracies in Latin America. In 1869, primary education for both sexes was declared obligatory and free of cost, defrayed by the State. In 1882, the death sentence was abolished. In 1949, the armed forces were abolished and in 1983 Perpetual Neutrality was proclaimed. Prestigious international human rights organizations have their headquarters in Costa Rica. Because of this, and of its lush 1500 kilometers of tropical sun-bathed beaches and the wild diversity of vegetation and animal life to be found in its wide array of microclimates (most present in one or more of its National Parks), Costa Rica has justifiably earned its reputation as paradise regained.
Costa Rica's official language is Spanish. On the Caribbean Coast, a small minority of Jamaican descendants speak a local version of English, and most Costa Ricans can understand and speak a bit of English. All public schools made it mandatory to learn a second language. As in the rest of Latin America, Roman Catholicism is Costa Rica's main religion, but there is a very wide margin of tolerance and the constitutional freedom of creed is always respected. Costa Rica's religions by percentage of practicing members are as follows: Roman Catholic 76.3%, Evangelical 13.7%, Jehovah's Witnesses 1.3%, other Protestant 0.7%, other 4.8%, none 3.2%. Costa Rica is a civil law country which means that the organization of the legal system is derived from the French Napoleonic Code as opposed to English common law. The Government of Costa Rica has 4 branches: The Judicial, Executive - President and cabinet ministers, Legislative - Elected members and Electoral Tribunal - takes over police and all government functions dealing with elections before each election. Members are usually unpaid volunteers who are judges. This is to ensure all elections are completely democratic and free. There are many attractions within a short drive of the development.
The tropical rain forest in the Southern Zone is acclaimed for its astonishing biodiversity. This is one of the largest tropical rain forests along the Pacific coast. There are many beaches that people can choose from, where surfing is awesome, world class fishing is available, and there are top ranked eco-lodges with photo safaris for those photo enthusiasts. The port town of Golito provides access to some of the best offshore fishing in the world. Billfish, Sailfish, and Marlin are some of the species that are a short boat ride away. On the South Pacific, it's common to release a dozen or more sailfish and even a marlin or two in a single day, and not unusual to release more than 30 fish a day.
The area is also home to tarpon, snook, yellowfin tuna, wahoo and many more species of fish. Adventure and romance are intertwined in Costa Rica, the beaches will give you the feeling of Robinson Crusoe when you enter this tropical paradise and explore nature’s beauty. There are plenty of exotic adventures to be shared every day. Warm weather year, year around waves, and a choice between 2 coasts make Costa Rica one of the world’s best known surfing destinations. This popularity has not yet transferred into over crowding. Playa Pavones in the South Pacific offers one of the worlds largest left breaking waves.
Costa Rica is the perfect place for the outdoor enthusiast whether you like to enjoy the antics of tropical birds and monkeys in their natural habitat, watching butterflies soaring over the canopy of a tropical rain forest, gazing into the crater of a live volcano, or windsurfing on spectacular waves. Great golf, snorkeling, surfing, and other sports are also part of the picture. Costa Rica offers a biodiversity like no place in the world. For the adventurer in you, you’ll always have something new to explore and experience. World-class scuba diving, rafting, surfing & sport fishing are just outside your doorstep.
If you prefer to not travel and explore alone, guided volcano tours, canopy tours & hot springs tours are also available. Corcovado National Park is in your backyard. It has some of the nation’s best wildlife viewing. It is the most raw, challenging and rewarding park in Costa Rica. Your chances of spotting endangered species such as boa constrictors, squirrel monkeys, and five wild cats are better in Corcovado park than anywhere else in the Country. As part of the narrow isthmus connecting the Americas, Costa Rica is home to over 800 bird species. The largest population of endangered Scarlet Macaws can be found in Corcovado national park.
The development company will be investing millions of dollars to create a very unique residential eco-community. Beautiful mountain views, untouched rainforest with hiking and nature trails. The infrastructure will include roads, water, electricity, and an entry guard feature, with abundant common parks, and trails. There will be an eco-golf course integrated into the overall structure plan for the sub division. Respect for the ecology of the area is a primary concern for the development company and has been reflected in the development plan. The developer is preserving the rainforest that is part of the development and will be creating hiking trails so owners will be able to enjoy the natural beauty of Costa Rica right from their back door.
The road and common areas will be maintained by a professional, on-site maintenance crew. The property consists of large areas of rainforest that will be preserved for owners to enjoy through the use of hiking trails to observe the large numbers of birds and small mammals in the rainforest. The development company offers partial financing for the lots. Title insurance, through Stewart Title, is included in the purchase price. The purchase price of the lots starts at $29,000US, the developer will partially finance @ 5.5% for 5 years with no approval required. This is pre-development pricing. The property taxes and management fees are the responsibility of the developer for the first 5 years. The management fee is $150 per year. Taxes are 0.25% of the property value per year or $125 for a property worth $50,000.
The developer will complete the installation of infrastructure for your lot within 4 years of signing of the contract to purchase. This will leave you 1 full year to sell a fully serviced lot under the terms and conditions of the current loan agreement. There is a $300 fee to transfer title. You are free to sell your lot at any time and you do not have to wait a specified period. If you sell your lot before the end of the 5 year term the balance of the loan is assignable to another purchaser and can be transferred for a $300 transfer fee. Costa Rican banks will lend to foreigners with mortgage terms up to 25 years for foreigners. A Costa Rican international business corporation does not pay capital gains.
This is a large development with 1700 lots. The developer has sold 700 and has 1000 remaining. In May 2007 they will be going into Phase II of sales. They are increasing the price because there has been significant development in the area, land prices have increased, and they are almost ready to release their master plan for the subdivision. The developer has 6 active projects now and has completed 10 others. The lots are located approximately 3 miles from the ocean in the hills of Costa Rica. An 18 hole eco golf course and country club will be part of the development. The area has not been developed very much so the prices are relatively low. Additional infrastructure that is planned in the area include several marinas for large boats, highway, and an international airport so prices should appreciate greatly over the next several years. The purchaser can sell at anytime. The 5 year loan agreement has been setup to give you 1 year to sell your lot after all services have been installed so someone can build on it. The developer will take care of the paperwork to transfer the title if you choose to sell.

Lots/Land For Sale in Progresso, Belize :: Belize Property For Sale - New Planned Community

2009-09-25T05:57:00.001-07:00

Sell Price:
14934
Location:
Progresso Heights Progresso Corozal Belize
Property Type:
Lots/Land
Property Details:
Parcels for sale from US$14,934 in Progresso Heights, Corozal District, Belize. This private, gated community provides residents beautiful water views and waterfront access eastments to one full mile of Progresso Lagoon, leading to Chetumal Bay and the Caribbean Sea. Progresso Heights is ready-to-go and fully developed/operational (including roads, water, electricity and amenities including a prestigious entry gatehouse, community clubhouse, swimming pool, pier, boat ramp and a 25 acre community green area with a variety of tropical fruit trees). The area is surrounded by a rich diversity of eco-systems, such as forests, lagoons, rivers, creeks, streams and savannahs.
Tranquil and tropical, this private community - located in a country that was a center of the ancient Mayan civilization - is close to it all: fine shopping and restaurants. With less than a two hour flight from the U.S., and with a low cost of living and great exchange rate fixed for 25 years (US $1=BZ $2), Belize is the ideal place for you. Your dollars seem to go farther in Belize... affordable dinning out, housekeeping services, medical care, housing and insurance.
You can also enjoy a healthy, outdoor lifestyle in unpolluted, clean, fresh air: year-round activities include boating, horseback riding, bird watching, caving, canoeing, kayaking, rafting, tubing, windsurfing, hiking, biking, and exploring the world famous Mayan Ruins of Lumanai, Altun Ha, Cuello, Cerros, and Chau Hiix. With the largest barrier reef in this Hemisphere, the fishing, swimming, diving and snorkeling in Belize are virtually the best in this part of the world. In addition, you can enjoy a healthy and organic diet: fresh fruits, vegetables, fish, meat and poultry.
We have a limited number of beautiful parcels in Progresso Heights. Selection and quantities are limited. Financing is available. Our lots are aggressively and reasonably priced to be affordable to all, to even those with less than perfect credit. For the parcels not financed, we offer a 20% discount on listed prices. The closing costs are low and there are never any hidden fees or costs with us. All of your purchase deposits are held by a licensed U.S. attorney as escrow agent, so you can be sure your closing is safe and professionally handled.
Foreigners can own property in Belize (a British Commonwealth country) with Fee Simple Title, just as you would own property in the U.S. or Canada, and property can be taken jointly, individually or in a corporate name. There are no requirements to build within a certain timeframe. Each of the lots can accommodate private residences inspired by local architecture and tropical design, and feature unsurpassed amenities.
See our website for more information or call us toll free in the U.S. at 1-888-235-4934 or from outside the U.S. at 561-859-1433. Owned and developed by Progresso Heights Limited.

Lots/Land For Sale in , Panama :: 4 hectareWith Lake

2009-07-09T22:39:00.000-07:00

Sell Price:		197000
Location:		Colon Panama
Property Type:		Lots/Land
Property Details:		This Property is aprox. 4 hectare of natural forest and lake, located on a hilley penninsula into Lake Gatun, has aprox 2000 feet of road front and 2000 feet of lake front, the lake has about 160 squere miles that has many islands with wild life. Not far from the entrance to the Panama Canal, 10 minutes from the Colon Free Zone, and the new cruisers port, this property is just ten minutes from one of the largest supermakets in Panama, that passes through a National Park on a no through traffic road. It has lake views on two sides and natural docking areas. There are many sites with road and water front that can be divided into large lots for Hotels, residential, or vacation homes. A very private area in the province of Colon, Caribbean side, north-east entrance of the Panama Canal on the Rep. of Panama. The beauty of this place is from which to enjoy your meals while listening and waatching the various brids that visit and nest on the property, a great place for birdwatchers, a place to observe more than 160 different species of resident and migratory birds, also to anyone interested in tropical nature.As a resort property this place could easily support hotels, restaurants, cabins, hiking trails and water sports areas.This property has unlimited potential depending upon the goals of the buyer. The site is perfect for building an estate home surrounded by tropical fruits and plantings of all types. Panama Real Estate Recent developments have rendered Panama as a country full of great opportunities. Tourism and residential development projects offer a tremendous possible return on investment.With the growing global recognition of Panama as stable country with a great climate, stunning natural beauty, abundant flora and fauna and low cost of living, more and more Americans and Europeans will choose Panama as vacation destination or as a country to retire.
Date Published:		02-Feb-2009
Date Updated:		17-Jun-2009

Other Property (Ski Chalet) For Sale in Méribel, France :: Méribel- secondary ski residence in French Alps

2009-07-09T22:10:00.000-07:00

Sell Price:

1065000

Location:

Méribel- secondary ski residence in French Alps
Méribel
Alps
France

Property Type:

Other Property / Ski Chalet

Property Details:

Méribel- secondary ski residence in French Alps

Méribel, Le Chalet de la Combe

Purchase option: outright
Delivery: completed
Stage of development: last opportunities
from 2 to 3 bedrooms
from 835 000€

Development

This small chalet of 4 apartments boasts an excellent setting and is complete with high quality, fully-fitted bathrooms, kitchens and built-ins. The chalets are situated just a short walk from the lifts in a peaceful and very sunny part of the Meribel Valley. Located just below the altiport, Le Morel is one of the sunniest parts of the valley with fantastic views looking over the town on to the mountains.

Location

Méribel is located in the heart of the "Three Valleys, the world's largest skiing area with over 600 km of pistes. The variety of slopes cater for all abilities and, because of the excellent snow record, piste grooming and snow making facilities, the season is long with quality skiing always available. Given the wealth of activities nearby, including golf and tennis, there is plenty to do throughout the year, making it an ideal summer/winter resort. The nearest airport is Lyon, which is just 1.5 hours away. Apart from skiing, one of the outstanding features of Meribel is its architecture. Unlike virtually all the other purpose built resorts in the Alps the buildings are all low rise and in the traditional chalet style, finished in stone and wood.

Investment

2h from Lyon and Geneva airports
Short walk to lifts and Meribel centre
High quality finishes
Magnificient views across the valley
Sunniest part of Meribel
Walking distance to shops and restaurants

Date Published:

03-Feb-2009

Date Updated:

03-Feb-2009

Restaurant For Sale in Salto de las Rosas/San Rafael, Argentina

2009-06-18T23:52:00.000-07:00

Sell Price: 250000 Location: Salto de las Rosas/San Rafael Mendoza Argentina
Property Type: Restaurant Property Details: Incredible restaurant and farm located in the town of Salto de las Rosas, just minutes from San Rafael.
The restaurant was refurbished inside and out just 1 1/2 years ago. It is approximately 235 sq. meters and will seat up to 100 people inside, 45 on the outside patio, and literally hundreds in the outside park. Perfect setup for large gatherings, weddings, etc. There is a wine cellar in the basement. The restaurant has two bathrooms and two air conditioning systems. Galpon on the property (warehouse) with an attached apartment.
Car garage. In-ground swimming pool. Large propane tank. 2 refrigerators. Double freezer.
All the furniture, dishes and flatware go with the restaurant. A 2 year old house comes with this package, with 3 bedrooms, 1 bathroom, kitchen and open area.
There are 20 acres in all, with 275 mature olive trees in full production, and 900 two-year old olive trees due to produce next year or the next. This property is immaculate and the owner anxious to sell, which is why it is so far below market value.
Date Published: 11-Feb-2009 Date Updated: 11-Feb-2009

Lots/Land For Sale in , Costa Rica

2009-06-18T23:49:00.000-07:00

Location:Pavones Southern Pacific Zone Costa Rica Property Type: Lots/Land
Property Details: Pavones Properties is the southernmost located Real Estate Company on the Pacific Coast of Costa Rica. Check us out at www.pavonesrealestate.com . We have many diverse types of Tropical properties available, from Beachfront lots, to Hillside oceanview properties ranging from several acres to hundreds of acres. This Southern Pacific Zone is the last Frontier in Costa Rica and there are still some great deals to be found. Let us show you what we have available by going to our website listed below. We want to be more than your Real Estate Agency, we want to be YOUR PARTNER IN PARADISE!
Web Site: http://www.pavonesrealestate.com
Date Published: 03-Jun-2005 Date Updated: 14-Aug-2008

Hotel For Sale in Caye Caulker, Belize

2009-06-18T23:44:00.000-07:00

Sell Price:2299000
Location:Beachfront Caye Caulker Northern Cayes Belize
Property Type:Hotel
Property Details: !!!!JUST REDUCED!!!!
Seaside Cabanas Hotel is situated right on the beach on the windward side of the beautiful Island of Caye Caulker in the Caribbean sea, just 22 miles from Belize City.90ft + of Caribbean Beach frontage.
Was included on NBC Today show's 23 exotic getaways http://www.blip.tv/file/1413972This business offers a great return on investment and can be run by the new owner or the current management team can be left in place to allow for the new owner to live abroad, which is the current setup. The hotel architecture blends Belizean and Mexican styles with the use of thatch, local woods and bright colors. The hotel Boasts 16 rooms, Reception/Tour office, Gift shop, bar/palapa lounge, Laundry and tool room/storeroom, Freshwater swimming pool. Plot size apprx 85ft x 105ft. Built in 2004/5 by the current British owners, in a beautiful location overlooking the Caribbean Sea and the Belize Barrier reef. Built using reinforced concrete and block construction to a high standard, offering among the most luxurious and stylish accommodation on the island. Seaside Cabanas has built a very good reputation for it excellent service and great location. The Occupancy levels average around 80% for the year. Caye Caulker The island itself embodies the word relaxed, crystal blue sea, swaying palm trees, friendly people, great cuisine and amazing underwater scenery. The motto on Caye Caulker is 'Go Slow'. The main mode of transport here is on foot or a bicycle, or if you get really lazy, a Golf Cart. The island is only 3 miles long and narrow at points so there is no way to get lost. There is only a 5 minute boat ride out to the second largest barrier reef in the world and hundreds of world class dive sites within range. Including the famous Blue Hole. Also the next island is Caye Chapel an 18 hole world class golf Course, only a 5 minute boat ride away. Accommodation The 16 rooms are made up of: 4 Free standing beachfront 18ft x 18ft Cabanas with great tropical features and Bamboo furniture inside. Each has queen size bed, A/C, color TV with satellite, DVD player, refrigerator and private bathrooms with hot and cold water. These cabanas also each have a private roof deck with a hammock and sun-loungers. 2 further cabanas measuring 18ft x 18ft, with the same features as above but having a traditional thatched roof and wooden balcony instead of the roof deck. 4 Ground floor rooms measuring 22ft x 11ft, each have 2 double beds, A/C, TV, refrigerator, Bamboo furniture, private bathrooms with hot and cold water, private balcony with local hardwood furniture. 4 First floor rooms, have the same features as for ground floor but have just one double bed. These rooms share one long balcony and also have locally made hardwood furniture outside each room. 1 additional first floor room has two double beds and all the same features as the other first floor rooms. Finally we have a unique first floor two-bedroom suite which has one bedroom with double bed and another with two single beds. Both have A/C and both have access to the shared bathroom. This suite also has a separate lounge area with TV, refrigerator and two comfy bamboo sofas. All rooms are brightly painted in shades of red and yellow and decorated with a selection of local artwork on the walls. Pool Area and Gardens The square pool at Seaside Cabanas measures 15ft x 26ft. The depth reaches a maximum of 4ft in the deep end. There are tiled steps going down into the pool at one end. Wooden decking is in place all around the pool and there are plenty of locally made hardwood lounge chairs and upright chairs for the guests to use. The area around the pool is sandy with borders of beautiful local tropical plants such as hibiscus and bougainvillea. There are several established palm trees at the front of the property and also access directly to the beach through a wooden gate in the bright yellow seawall. There is a nice shady corner under palm trees where guests can relax in hammocks. Bar & Lounge Guests can enjoy freshly brewed coffee and cinnamon buns from the local bakery in our bar which is open daily from 8am. The bar also serves a wide range of local and imported beers and spirits and our bartenders can make an array of tropical cocktails. Internal steps inside the bar lead up to a thatched terrace with locally made hardwood tables and chairs. The bar closes at 10pm to avoid disturbing guests.
The upstairs lounge offers scope for a further apartment or cabana.Reception/Tour Office & Giftshop The reception/check-in desk at Seaside is a spacious …… and has two store cupboards (one for luggage and one for giftshop stock) and also a small private office with a large glass window into the main reception area. Here guests will check-in upon arrival, meet our friendly staff, complete their registration forms and then be shown to their rooms. We also have a tour operator’s license and therefore can offer both guests and non-guests a wide selection of tours both on and off the island. Tours include snorkeling, sailing trips, fishing, manatee watching, mainland trips to view Mayan ruins. Our staff can also arrange for guests to have in-room massages or make appointments for guests with local salons and spa’s. The office has a large safe in which to store guest’s valuables. The giftshop offers a wide selection of locally made jewellery, pottery, metal work, wood carvings and beachwear as well as postcards and stamps. Laundry Room On the far side of the property we have a laundry room housing two heavy duty washing machines and two gas powered dryers. There is adequate shelving for the cleaning products and linens used in the guest rooms. There are two additional rooms here, one used as a storeroom for bar stock and the other used as a workshop/tool room.
Web Site:http://www.seasidecabanas.com

Date Published:30-Mar-2009
Date Updated:12-Jun-2009

Villa For Sale in Sosua, Dominican Republic

2009-06-18T23:42:00.000-07:00

Sell Price: 350000
Location: Sosua Puerto Plata Dominican Republic
Property Type:Villa
Property Details:
Beautiful large villa 2 storey home with a separate guest house in quiet location, yet close in to town and shopping. Completely remodeled in 2004 there are 3 bedrooms downstairs, each with its own bath. The master bedroom is air conditioned and off of the master there are full laundry facilities. A veranda wraps around most of the house offering lots of outside living. Upstairs there is a full 1 bedroom/1 bath apartment including kitchen and veranda with spectacular views.

In addition to the main villa there is also a new 1 bedroom/bath guest house also with its own kitchen, veranda, extra storage and carport.
From the upstairs terrace you can enjoy the beautiful ocean view. This is a fantastic rental property the property will sell very quickly at this price.
Don't miss this opportunity

HIGHLIGHTS:
Main villa with 2 separate apartments
Fully self contained guest house 2 invertors
wrap around terrace
high speed internet
*To contact us, please call the numbers above on the right or click the Contact Now link in the upper right portion of this page.
Date Published:
07-May-2009
Date Updated:
07-May-2009

Mountain Luxury Property For Sale in ONLY 22 MILES North of Noxon, Montana, United States

2009-06-12T22:18:00.000-07:00

Sell Price:2795000 Location:
NW MONTANA ON BULL LAKE; CLOSE TO WORLD FAMOUS, NORTH IDAHO & BC CA RECREATION AREAS; Located An Hour East Of The Nearest Starbucks In Sandpoint, Idaho 2 LANE, YEAR AROUND, PAVED, MT HIGHWAY 56 ACCESS, COMMERCIAL POWER, HELICOPTER PAD & SEAPLANE DOCK ONLY 22 MILES North of Noxon, Montana United States
Property Type: Mountain Luxury Property
Property Details:
******....................THE RELATIONSHIP OF A PERSON TO A TRUE, WILDERNESS PLACE IS ONE OF THE QUIETEST, YET MOST PROFOUND.....................*******SCROLL DOWN TO VIEW 20 PHOTOS....<>ARCHITECTUAL DIGEST QUALITY ESTATE...IS THIS LUXURIOUS, WILDERNESS PROPERTY THAT'S LOCATED DEEP IN THE CRAGGY PEAKS/HIGH MOUNTAIN LAKES WILDERNESS OF NORTHWEST MONTANA. <>THIS LIKE NEW, LUXURIOUS, LODGE-LIKE HOME AND GUESTHOUSE ON 7.58 ACRES IS LOCATED JUST ABOVE DEEDED LAKEFRONT W/ A BOAT & SEAPLANE DOCK. IT'S LOCATED ABOVE A YEAR AROUND, very, `VERY`, LOW USE STATE HIGHWAY, MT 56. IT'S SURROUNDED IN PERPETUITY ON 3 SIDES BY THE 96,000+ ACRE, U.S. CONGRESSIONALLY MANDATED, CABINET MOUNTAIN WILDERNESS AREA, THAT INCLUDES A HEAVILY TIMBERED, CONTIGUOUS, 2000+ ACRE, BIG GAME MANAGEMENT SYSTEM, THE ESTATES TRUE ``BACKYARD`. ALL THIS PROVIDES THERE WILL BE NO DEVELOPMENT OR VISIBLE NEIGHBORS CONTIGUOUS TO THE ESTATE, FOREVER, THEREBY ASSURING UNUSUAL PRIVACY AND SERENITY. ITS KIND OF LIKE OWNING 96,007.58 ACRES WITHOUT THE PROPERTY TAXES....!!! <>THERE IS A 4000' (m/l) LODGE HOME OF CUSTOM WOODS, NATURAL STONE AND VAST EXPANSES OF THERMOPANE GLASS. NEARBY IS A SEPARATE, NICE SIZED, GUEST HOME. THE ESTATE IS ONLY 30/45/60 MINUTES TO NORTHERN IDAHO'S WORLD FAMOUS PEND OREILLE LAKE RECREATIONAL ZONES/RESTAURANTS, SKIING & GOLF, RESPECTIVELY. IT'S NEVER IMPACTED NEGATIVELY BY BUSY TOURISM. ITS BESIDE AND JUST ABOVE THE 4.5 MILE LONG, NATURALLY PRISTINE, BULL LAKE. - ELEVATION: 2450'...833m...(m/l), 4 SEASONS, MILDER WINTERS, LOTS OF WINTER SUNSHINE, SOUTHERN EXPOSURE, SUMMER/WINTER, ALL SEASON RECREATION AND ALL KINDS OF NORTH AMERICAN BIG GAME ARE FOUND EVERYWHERE NEARBY.<>A `DEEP-IN-THE-MOUNTAINS` ESTATE OF SIGNIFICANTLY HIGH VALUE WITH RUGGED, HIGH QUALITY, 5 STAR, WOOD, ROCK-GLASS CONSTRUCTION, SUBTLE ELEGANCE AND SPECTACULAR, NATURAL BEAUTY. ALL SITED ON AN ELECTRONICALLY GATED, SECURE PROPERTY WITH THE CLOSEST 'NEIGHBOR' ABOUT A 1/2 MILE AWAY. <>There Is A Large, BBQ/Big Game/Mountain & Lake Viewing Pavillion, A Large Helicopter Pad, Extra Large Garages, A Seaplane Dock Down-Over On The Small Lakefront, A Re-Fueling Station and Beautiful, Undulating, Boulder Strewn Lawns, Ponds and Pump Fed Waterfalls. Both Homes Have DSL, Multiple Phone Lines, Modern Security Systems and Satellite TV. <>CONVENIENT TO 3 INTERNATIONAL AIRPORTS..(each is 2.5 hours away in diff directions)..CLOSE TO NORTHERN IDAHO AND NW MONTANA SKI AREAS...(60 minutes away)..AND REGIONAL GOLF COURSES..(45 & 40 minutes away). BC CANADA..(is 55 minutes away).....MANY REGIONAL, MULT- MILLION ACRE, NATIONAL FOREST SYSTEMS; OVER 133 REACHABLE LAKES AND WILD TROUT STREAMS ARE ALL `LOCALLY` SITED IN THIS ``TRUE`` MOUNTAINOUS REGION THAT REMINDS MANY OF THE SWISS ALPS. THE GENERAL AREA ALWAYS HAS LOW USER NUMBERS AND FABULOUS, PRIVATE, SERENE, LIVING WITH YEAR AROUND, UNLIMITED, OUTDOOR RECREATION. <>THE ESTATE IS CAREFULLY SITED IN A SPECTACULAR, SOMEWHAT REMOTE LOCATION. YET ITS CLOSE TO EVERYTHING ESSENTIAL FOR HIGH QUALITY, VERY, VERY SAFE, MODERN, COMFORTABLE, ENJOYABLE, YEAR AROUND OR SEASONAL LIVING. THE NEAREST STARBUCKS, SAFEWAY AND HOME DEPOT ARE JUST AN HOUR AWAY, OVER IN SANDPOINT, IDAHO. LOCAL GROCERY STORES, EXCELLENT SCHOOLS & MEDICAL, FACILITIES, NATIONAL BANKS, ALL 911 SERVICES, THE AMTRAK AND A US POST OFFICE ARE JUST 25-30 MINUTES NORTH OF THE ESTATE ALONG US HIGHWAY 2. <>$ 2,795,000~~USD.....ALL CASH TO SELLER....(2009 REDUCED PRICE)[--FULL, 50-50 COOPERATION IS GUARANTEED FOR IN-STATE AGENTS/BROKERS AND ANY OUT OF STATE BROKER REFERRALS THAT CLOSE; 7% Gross Commission--][--EQUIPMENT, FURNITURE AND HOUSEHOLD ITEMS ARE NOT INCLUDED BUT ARE ALL NEGOTIBLE AS TO PRICE AND AVAILABILITY--] <>THIS ``LIKE NEW``, SPECTACULAR, NATIONAL WILDERNESS AREA, MOUNTAINOUS ESTATE IS PRICED WELL BELOW REPLACEMENT COST. THERE ARE NO COMPS FOR THIS UNIQUELY SITED ESTATE, NONE. ITS A STAND ALONE, LUXURIOUS, BREATHTAKING, RETREAT; SIMPLY ONE-OF-A-KIND IN A BEAUTIFUL SETTING, ALWAYS CONVENIENT TO EVERYTHING ESSENTIAL, YET A ``WORLD`` AWAY FROM TOURISM AND ANY POPULATION CENTERS. THE WORLD FAMOUS, GLACIER NATIONAL PARK, IS BUT 3 HOURS EAST OF THE SITE ON U.S. HIGHWAY 2.CONTACT: Susan Moon.... AT SOTHEBY'S INTERNATIONAL REALTY, iNC. susan@susanmoon.comOR CALL HER: 208-290-5037
Web Site: http://realestate.escapeartist.com/P-33914
Date Published: 08-May-2009 Date Updated: 01-Jun-2009

Castle For Sale or For Rent in , Jamaica

2009-06-12T22:14:00.000-07:00

Sell Price: 7000000 Rent Price: 495 Per Night Location: Jamaica Property Type: Castle Property Details:
Sale price US $7,000,000 (seven million dollars) GOD'S blessings never cease, a royal welcome awaits all of our guests at our world class funtastic newest Eden's, which offers two unique and identical stunning castles, though not large in size, as castles go, each is HUGE in both class, privacy, amenities and multi features.
SEE IT FIRST, READ about it LATER: CASTLES by the Sea, ultimate privacy in Paradise, (which in this case) is not limited to just the rich and famous.
Originally built by a world famous designer and artist, and Set on a wondrous lush sprawling and magnificent private estate. Fabulously located on a gorgeous fairy tale like, breezy cliff side setting, offering total privacy with the most fabulous dreamy views one may imagine, overlooking sometimes calm & at times dramatic crystal clear multi colored Caribbean seas where one can "see forever", there is also a direct seafront designer swimming pool with its own waterfalls, and special "cocktail" seating.
Walking thru the manicured lush grounds, graced with numerous fountains, waterfalls and fishponds, "seeing is believing" flora & orchid filled botanical garden, featuring almost every tropical fruit known to man for your personal picking and eating enjoyment. Both the scents of flora, and delicious tastes of fresh tropical fruits are simply wonderful.
Situated close to villas formally owned by both Ian Fleming (James Bond author, who wrote all 007 books here in Jamaica) and famous British playwright Noel Cowards. Castles by the sea is just about a twenty minute drive to Ocho Rios, and its world famous Dunns River falls, Dolphin Cove marine park, world class golf courses, tennis, horseback riding, fantastic night life including Jimmy Buffet's Margaretville, plantation tours, superb restaurants, and great in bond shopping.
Stunning luxurious accommodations featuring designer decor furnishings with bright tropical colors throughout, gleaming marble tiles downstairs with polished wood floors in all four air-conditioned bedroom suites (two in each castle), which can accommodate up to 16 guests comfortably. All bedroom suites offer large private balconies with their superb Caribbean views, for both personal relaxing or dining as you like. Your dining room, lanai, television/living room, and kitchen also view the beautiful seas and pool. Satellite or/and cable television, DVD & CD library, fm stereo, indoor and out door speakers for your choice of music, relaxing poolside/seaside, by the fountains or in the gardens, soon to come complimentary high speed internet service at all of our properties.
Your Chef(s) creations are irresistible, while your entire staff(Butler/houseman/gardner/chambermaid) is wonderfully exemplary), and grantee your special time to be truly unforgettable in every way seven days per week.
See why this private retreat has been the vacation haven for many, and has been featured in leading travel magazines thru-out the world.
Currently there are many local and private beaches which are just short distances from Castles by the sea, (Boscobel hotel, James Bond beach & many others).
Steps and romantic balcony to sea are now in place, and indeed are a beautiful sight to use and to see. Complimentary high speed internet service is now available. State of art Jacuzzi type spa for up to seven, with two waterfalls, pop-up speakers with cd and fm stereo in glorious private setting over looking both the Caribbean, fountains and your waterfall pool which now also features additional built in 2nd Jacuzzi type spa and swim up snack/bar. seating Basketball practice court in place.
Web Site:http://chateauonthesea.com
Date Published:16-May-2009 Date Updated:16-May-2009

House For Sale in Cerro Azul, Panama

2009-06-12T22:12:00.000-07:00

Sell Price: 575000 Location: erro Azul Panama Panama Property Type:
House Property Details:Home with the finest finishes, 2 acres of land with fruit trees, house staff, with 3 bedrooms, 3 bathrooms, large kitchen and laundry room, parking for 2 cars, 45 minutes northwest of Panama City and 35 minutes from Tocumen airport. If interested please contact us and we will provide you with more information.
Web Site:
http://www.panamarealtycorp.com
Date Published:27-May-2009

House For Sale in Las Cumbres, Panama

2009-06-12T22:09:00.000-07:00

Sell Price: 800000 Location:Las Cumbres Panama PanamaProperty Type:House Property Details:
Beautiful home with a total area of 16,698.016 m2 Property Description : - Parking for 4 cars- 4 bedrooms each with its own bathroom, - Large kitchen, dining room - Bar area - Hall deposit - Fitness area, Racquetball, bohio Games - Bohio with bathroom and BBQ area, swimming pool for adults and children, practice area for golf and billiards
Web Site:
http://www.panamarealtycorp.com

Apartment For Sale in Panama City, Panama

2009-06-12T22:06:00.000-07:00

Sell Price: 150000 Location:
Panama City Panama Panama
Property Type: Apartment
Property Details: Beautiful Apartment for sale in Dos Mares, Panama City.
This apartment consists of: 2 Bedrooms 2 Bathrooms Remodeled Kitchen Hardwood Floors Air Conditioners Water Heater Washer and Dryer Complete White Line
Furnished Spectacular Views to all Panama City 24 Hours Security
For more information please contact us.Web Site:
http://www.panamarealtycorp.com

Facts about home affordability unveiled

2009-06-12T00:35:00.000-07:00

Whether you are buying your dream home or investing in real estate, finance essentially plays an important role. Cool headed computations and farsightedness is what is required to take your home building project to completion. There may be an obvious question lingering in your mind and that is "how much house can I afford". Once you have been able to work out this puzzle, half your work is done. It is seen in majority of the cases that people get this puzzle wrong which leads to a lot of harassment and complexities.However, working out this puzzle is easier these days due to the presence of different calculators and life has become simpler for us. You may come across various websites that offer you the provision of calculating your loan payments for free. Let us take a look at the various home loan calculators that may be required when you are buying your home.
The real estate market is still very fragile and taking a cautious move has become even more important these days. How much house can I afford calculator:The most important is the how much house can I afford calculator. This gives you an idea of the size of the mortgage you can afford. The factors that are taken into consideration are the following –1. Your current income2. Rate of interest you will be entitled to3. Your monthly debt paymentsIn addition to the calculator mentioned above, some of the calculators you cannot do without include the following –Comparison between loan terms 15 years Vs 30 yearsIt is important to determine which loan term will suit your needs best. If you are opting for a 15 year loan term, the amount you are required to pay every month will be higher but the interest rate will be less. On the other hand, if you are opting for a 30 year loan term, the amount you are paying as interest rate will be high but your monthly home loan payments will be less. This is an important decision as it will determine the amount that you have to continue paying throughout the loan term. ARM Vs FRMWhether opting for FRM or ARM will be sensible is an important aspect of the home buying process. It affects your monthly payments too.The home loan calculators are effective tools and can help you to get prepared for the amount you have to shell out throughout the tenure of your loan.

Single Family Home For Sale in Cerro Azul, Panama

2009-06-10T00:27:00.001-07:00

Sell Price:225000 Location:Cerro Azul PanamaProperty Type:Single Family HomeProperty Details:
Altos de Cerro Azul is a beautiful mountain community, 45 minutes northwest of Panama City and 35 minutes from Tocumen airport.
This lovely property includes two lots, a large home with 2 building and kitchens, and a large bohio for parties. Extensive upgrades were done in 2007, new windows, water heater, tile, etc. The home has six rooms and all but one are on the ground floor. A semi-spiral staircase leads to a second floor room. Rooms include: 3 bedrooms; 4 full bathrooms; living room; dining room; kitchen; large foyer; family room; two rooms meant for live-in servants’ quarters (a bedroom and kitchen); laundry room with lots of storage space;
and two additional rooms. We use one of these two rooms as a workshop and the other we liked so much we made it our master bedroom. For more information please contact us!
Web Site:http://www.panamarealtycorp.com Date Published: 29-May-2009

Lots/Land For Sale in Chepillo, Panama

2009-06-10T00:06:00.000-07:00

Sell Price:320000 Location:Chepillo PanamaProperty Type:Lots/Land
Property Details:Information:
Land has electricty and potable water. 33 miles from Isla Flamenco (Yacht Club) Is less than 1 hour by boat.
Titled property 50 meters of beach front. All the blueprints. Private access to the beach. Favorite place for fishing Excellent surf area (well known place by surfers with a wave called 'Chepillo Glass'Only 250 meteres away from a new hotel that is still under construction. Please contact us for more information.Web Site:
http://www.panamarealtycorp.com
Date Published:29-May-2009

Farm/Ranch For Sale in Agua Buena, Costa Rica

2009-06-10T00:02:00.000-07:00

Sell Price:140000
Location:Santo Domingo Agua Buena Southern Zone Costa RicaProperty Type:Farm/Ranch
Property Details:
NEW REDUCED PRICE! This beautiful 47 acre Mountain view farm is located in the Southern Zone between San Vito and Ciudad Neilly in the high mountain area of Santo Domingo. It includes a three bedroom house with den, kitchen, one bathroom, laundry room and dining area. There is also a small wooden caretaker´s house for absentee owners or can be spruced up to be a guest house. It has three freshwater springs, electricity, year round road access, and is titled property. The entire farm is fenced around its borders. It is currently mostly in pasture for cattle or horses, with some wooded areas along the streams. From the farm you have expansive views across large valleys into Panama. The climate is cool all year and the humidity is low due to the altitude of 4,000 plus feet above sea level. It is 2.5 miles from the little town of Copa Buena which has a bus terminal, grocery stores, hardware stores, restaurants, and more. This farm could be a wonderful reforestation project or could be left as it is with beautiful views of the green pastures. There is also the development option of subdividing the property into smaller tracts with views for resale. The views from the top are undescribable. During the wet season the climate is similar to the cloud forests and many rare and exotic high altitude plant species thrive there. This would be a great retirement property, a working farm, A development opportunity, or a reforestation project for an energetic ecology minded individual. Please contact Robert for more information.
Date Published:08-Sep-2006Date Updated:06-Apr-2009

Lots/Land For Sale in Champoton, Mexico

2009-06-09T23:59:00.000-07:00

Sell Price:125000
Location:Santillana Del Mar & Sea Ranch Champoton Campeche Mexico
Property Type: Lots/Land
Property Details:Santillana del Mar & Sea Ranch is a new, exclusive, gated community along the Gulf Coast of the Yucatan Peninsula in Mexico, in the State of Campeche. Enjoy top quality, white sand beaches, in one of the last affordable locations that is just a few hours travel from most areas of the United States. Campeche is a relaxed, safe, friendly and historic region, filled with Mayan monuments and culture, nature reserves and wildlife, that is fast becoming a destination for international travel. Our project is just 950 meters away from the new Campeche Marina & Golf Resort megaproject, representing a $400 Million investment by a major Spanish development company. It will include a large boating Marina, an 18 hole championship golf course, a 500 room deluxe hotel, shopping centers etc. Santillana del Mar has 29 front line and second row executive beachfront homesites, starting around $150,000 for front line lots, and $US 100,000-$US125,000 in the second row just behind them. If you are looking for more land for less money, our Sea Ranch section just across the road offers supersized lots of 2500-4000 square meters starting at $US 85,000. These larger homesites are ideal for gardens, since the soil quality is excellent, and the land already has lots of fruit and tropical hardwood trees. In the Sea Ranch Estates section you will find our Zocalo main square, modeled after the square in the historic part of the city of Campeche, several other parks, and a large Nature Reserve behind it, with trails and lakes. All owners and residents of Santillana Sea Ranch will have access to the beach and other community facilities and services.Please read through all the information at the website, and write or give us a call if we can help with any other information. MAY 2009 UPDATES: We are making good progress with our initial infrastructure work, including the filling in of the entire beachfront section with solid rock fill, creating an outstanding building platform. There are three fresh water wells delivering an abundance of clean water, and the main electric line is now being brought down to our area. We currently have two frontline beachfront homesites still available at $150,000 each, and 6 second row homesites available at $125,000 each. You are welcome to join the exclusive group of quality, discerning individuals from the United States, Great Britain, Dubai, Spain, Germany, Greece, China and Hong Kong, who will be future neighbors in our project. Web Site:http://santillanasearanch.com Date Published: 10-Apr-2006 Date Updated:21-Apr-2009

Condo For Sale in Seven Mile Beach, Cayman Islands

2009-06-09T23:57:00.001-07:00

Sell Price:3022000
Location:Sea Breeze ML#043513 Seven Mile Beach Cayman Islands
Property Type:Condo
Property Details:
"Sea Breeze" offers all the elegant amenitites required for luxury living in a tropical paradise. Architecturally designed and appointed to meet the expectations of the experienced investor. These units include media rooms, 10 foot high ceilings, designer fixtures, crown moldings, travertine flooring, hardwood cabinetry and much more. "Sea Breeze" also offers an elevator, entry fountain, custom swimming pool & fitness centre. ML#043513
Web Site:http://caymanluxuryproperty.com
Date Published:10-Oct-2008Date Updated:23-Jan-2009

Versailles IN, 1231 S Adams St, $ 123,900

2009-06-05T02:29:00.000-07:00

Versailles, Indiana - Three Bedroom Home on Spacious Lot Hardwood floors, three bedrooms, two car garage, full basement, all on a spacious lot close to shopping and schools. What more could you want? Walk in the front door to a spacious living room, complete with gas fireplace and hardwood floors. Classic double paned wood windows brighten the room, which is large enough to entertain in, cozy enough to relax in. The hardwood floor extends into the comfortable dining room. The backyard veiw from the dining room provided by the large windows creates a relaxing backdrop to any meal. The centrally located kitchen provides plenty of workspace and storage area as well as convenient access to the dining room. The bedrooms are roomy, bright and have plenty of closet space. The nine foot by twenty-seven foot deck at the rear of the home has plenty of room for a barbeque grill and plenty of guests. A full basement complements the first floor, providing ample space for storage and family recreation. The well landscaped lot has plenty of space for kids or pets or both. Don't miss out on this wonderful property located in central Ripley County, located conveniently close to both shopping and schools. For more information please visit: http://www.southeastindianaproperties.com/properties/versaillesrealestate02.html

1231 S Adams St Versailles Name IN Single Story Bedrooms 3 Bathrooms 2 Price $ 123,900
Land Size 21000 House Size 1448 sq. feet Garage 2 Parking 2 Status For Sale

Shallotte NC, 206 High Hill Dr, $ 57,900

2009-06-05T02:25:00.000-07:00

Nice area for a permanent home or a Vacation Retreat. Mostly furnished. Relatively new appliances, Covered Front Porch with new roof. Large corner lot. 8' fenced in back yard. 12x16 Storage Building. Newly Painted. Security light. Minutes to Shallotte or to the Beach. Possible owner financing w/ money down. Broker Sally Vanjoske 910-755-2000 www.helpusell,com/coastalproperties

206 High Hill Dr Shallotte
Name NC Community High Hill
Single Story Bedrooms 3 Bathrooms 2
Price $ 57,900 Land Size 13570
House Size 800 sq. feet Garage 0 Parking driveway Status For Sale

Watkinsville GA 180 Marshall Drive, $ 219,900

2009-06-05T02:15:00.000-07:00

Finished Bonus Room! HWflrs, Carpet, & Tile. Granite Counters and Stainless Appliances. Vaulted & Trey Ceilings. Garden Tub and Walk in off Master. Newly Painted Interior. Brick Pavers on Front & Back Porches. Irrigation System, Fenced Backyard, and Landscaping. Super Safe Neighborhood!

180 Marshall Drive Watkinsville
Name GA Open Home Times Everyday Double Story Bedrooms 3
Bathrooms 2 Price $ 219,900
Land Size .71 House Size 1800 sq. feet

Royal Domain Tower, Melbourne

2009-06-03T21:55:00.000-07:00

ROYAL DOMAIN TOWER - PRESTIGIOUS LIVING (fully furnsihed)$120per week negotiable
2403/368 ST KILDA ROAD MELBOURNE
Finished with exquisite style this elegant two bedroom two bathroom 24th floor apartment is a must see, in one of St Kilda Roads most prestigious addresses.Panoramic city to bay views are the perfect backdrop to the generous lounge dining area with its open fire place and balcony.Fabulous hostess kitchen feature the best in euro appliances, plenty of cupboard space and built in coffee machine make this the ideal chefs corner. Added features include central heating and cooling, heater towel rails in bathrooms and large separate laundry. Double car park and use of all building facilities including library and boardroom. 25 m pool, steam room, sauna, gymnasium and a driving range. This property comes fully equiped with quality furnishings with all the added extras needed to make it your home including linen, crockery, electric goods, fridge, washer & dryer. All you need is right here! All you need to do is bring is your clothes! There is also the option if you so wish to have the property unfurnished please call our office to discuss this option further. Inspection by appointment only. CALL NOW!!

Chevron - Trendy One Bedder $350 p.w. Melbourne

2009-06-03T21:46:00.000-07:00

Chevron - Trendy One Bedder$350 p.w.
319/9 COMMERCIAL RD MELBOURNE
Location, Location! Featuring Bedroom with built in robes, galley style kitchen featuring gas stove top, dishwasher and entegrated fridge/freezer, open plan kitchen/living area, slick bathroom, separate laundry facilities, air conditioning/heating, double glazed and undercover tandem car space. This fabulous development offers residents heated pool, spa, gym and resident building manager. Inspection by appointment. Ph Nicola 03 9429 0455 or 0408 083 767 Click to Contact Agent
Open For Inspection: 8-Jun 12 - 12:15pm Property Summary: Category: ApartmentBedrooms: 1 Bathrooms: 1 Carport: Double Available: Now

2009-05-28T23:55:00.000-07:00

WELLDON CRESCENT, HARROW
>>>>>>>>>>>>>>>I HAVE A SPACIOUS AND A HUGE THREE DOUBLE BEDROOM HOUSE WITH AN AMAZING LIVING ROOM AND A SEPRATE DINING AREA.THE ROOMS ARE FURNISHED AND HAS ALL THE BASIC REQUIEMENTS. IT HAS TWO TOILETS AND BATHROOMS.THE ROOM ARE VERY SPACIOUS AND LOCATED IN A VERY QUITE RESIDENTIAL AREA AND MOST IDEAL FOR PROFFESIONAL PEOPLE.ONE OF THE ROOM IS AN ENSUITE ROOM AND THE OTHER ROOMS ARE NORMAL DOUBLE BED SIZE.THE KITCHEN HAS A LOT OF MOVING SPACE.ITS CLOSE TO HARRO

W ON THE HILL TUBE STATION 12 MINS.ITS CLOSE TO SHOPPINH MALL, CINEMAS AND LOCAL EMINITIES.DONT FORGET

TO VIEW THIS HOUSE AS ITS A VERY NICE AND A LOVELY PROPERTY TO STAY IN.....FOR FURTHER ASSISTANCE CALL 07916140603.REGARDS,ABHI

2009-05-28T23:52:00.001-07:00

*Property Under Offer/Contract
ELEKTRON BUILDING, LONDON
Classy contemporary one bedroom apartments located within minutes of Canary Wharf and benefitting from an amazing level of finish. Some flats benefit from skyline views of London and also the Millennium Dome and River Thames. Shares are offered between 25-75%. Call now to discuss this amazing opportunity.Felicity J. Lord is the seller's agent for this property. Your conveyancer is legally responsible for ensuring any purchase agreement fully protects your position. We make detailed enquiries of the seller to ensure the information

provided is as accurate as possible. Please

inform us if you become aware of any information being inaccurate

2112 E Sentry Ridge Ct, Tucson, AZ 85718

2009-05-07T22:28:00.000-07:00

Beds:
2112 E Sentry Ridge CtTucson, AZ 85718 5 Baths:6 SqFt:7,000 Price:$4,499,000
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Or Call: 866-897-0954 Listing Agent: Nikki C Mehalic-HalleQuestions? Call 866-897-0954
Description
Visit SerenidadTucson online! Architectural details exceed expectations! Creative team: Kevin B Howard/Architect, Robin Hartman/Tara Sun Master Builder & Lori Carroll/Award Winning Interior Designer & passionate detail of seller's commitment to build a Masterpiece residence. This home is a WORK OF ART! LOCATION, PRIVACY, PIMA CANYON, CLOSE TO SHOPPING AND AMENITIES. See attached docs for Material list, floorplan & VT. Call LA for private showing.
Home Facts
Bedrooms: 5 Full Bathrooms: 6 Half Bathrooms: 1 Living Area: 7,000 Lot Size: -- Type: Single Family Home County: Pima Year Built: 2008 Status: Active Subdivision: Pima Canyon Est
Area: --
Interior Features
Amenities: Spa Description: None, Guest Facilities Description: House, Facilities Description: Jogging Path, Additional Bedroom Features: Split Bedrooms Breakfast Room: Breakfast Description: Nook Dining Room: Dining Room Description: Formal Fireplace: Fireplace(s): 3, Fireplace Description: Living Room, Family Room, Patio Flooring: Flooring Description: Carpet, Concrete, Other Heating/Cooling: Evaporative Cooler Description: None, Heating Description: FAG, Air Conditioning: Zone Security: Security Description: Alarm Installed
Sqft Source: Assessor-Lot Size Source Disclosures: Environmental Disclosures: Unknown
Family Room: Family Room Description: Off Kitchen Rooms: Extra Room Description: Rec. Room, Exercise Room, Other Appliances: Appliances: Dishwasher, Oven/Stove, Disposal, Refrigerator, Garage, Washer, Dryer, Microwave, Alarm Included Items: Home Protection Plan Description: Other Laundry: Laundry Description: Room Interior Feature: Interior Steps, Window Covers: Stay
Exterior Features
Construction: Construction Description: Combo Fence: Fence: Combo Garage/Parking: RV Parking Type: None, Garage Spaces: 4 Lot: Subdivided Style: Style: Contemporary Swimming Pool: Pool Description: Conventional, Pers Conv Swm Pool View: View Description: Combo
Building: Stories: 1 Location: Cross Block Number: 7900, Area Description: North, Cross Block Direction: North Water/Sewer: Sewer Description: Connected, Water: City Exterior Feature: Patio Description: Covered, Low Care Landscaping Low Care, Natural Desert Landscape Low Care, Roof Description: Other Community FeaturesHOA Dues: HOA Fee Frequency: Monthly, HOA fees per month: 199 Restrictions: Deed Restrictions Utilities: Cable Available , Gas: SWG
Zoning: Zone: Pima County - CR1 Community Details: Paved Streets , Gated community Taxes: Taxes: 9090, Tax Year: 2006

9916 DEAN COVE LN, ORLANDO, FL 32825

2009-05-07T22:10:00.000-07:00

9916 DEAN COVE LN ORLANDO, FL 32825

Beds: 3 Baths:2 SqFt:1,122 Price:$159,000
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Or Call: 866-898-1336
Listing Agent: Kerp,PauletteQuestions? Call 866-898-1336
Description
A must see. Not a short sale and not a foreclosure. Everything is intact. Heating and air is only 2 years old, appliances are like new, tile is in all areas except bedrooms and a 12x30 Sun Room. This home was been well taken care of.
Home Facts Bedrooms: 3 Full Bathrooms: 2 Half Bathrooms: 0 Living Area: 1,122 Lot Size: -- Type: Single Family Home County: Orange Year Built: 1990 Status: Active Subdivision: DEAN COVE Area: --
Interior Features
Bedroom 2 : Bedroom 11x10 Bedroom 3: Bedroom 11x10 Dining Room: Pantry Energy Features: Ceiling Fans Flooring: Carpet, Tile flooring Heating/Cooling: Central Air, Hot water heat, Heat Pump Kitchen: Eat in kitchen, Dimensions: 18x10 Living Areas: Living/dining room combination
Living Room 1: Dimensions: 20x18 Master Bedroom: Dimensions: 14x11 Utility: Laundry area in garage/carport Appliances: Dishwasher, Refrigerator, Range and Oven, Exhaust fan/hood, Disposal Included Items: Window treatments
Exterior Features
Acreage: Lot size is 1/4 acre or less Construction: Concrete block stucco, Shingle Roof, Stucco exterior Exterior Buildings: Storage/out-building(s) Fence: Fence Garage/Parking: 2 car garage, Attached parking, Automatic Garage Opener Lot: Northern exposure, Trees Lot Amenities: Professionally landscaped Style: Contemporary Topography: Level lot Exterior Feature: Covered patio, Outdoor lights Community Features Restrictions: Pets allowed Utilities: Public sewer service, Public water supply, TV cable available Taxes: Tax Year: 2008, Taxes: 1043
School InformationElementary School: Union Park Elem Middle School: Union Park Middle

10771 Black Mountain Rd, RdSan Diego, CA 92126

2009-05-07T21:43:00.000-07:00

10771 Black Mountain RdSan Diego, CA 92126

Beds:2 Baths:2 SqFt:1,536 Price:$55,000
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Listing Agent: Laura LittrellQuestions? Call 866-898-1336
Description
This spacious 2 bedroom, 2 bath home in a 55+ community is a great deal! Huge living room, separate dining room with builtins, breakfast area, large master suite with plenty of closet space! Indoor laundry, built-in custom bar - great for entertaining! Carport for 2 cars and a shed for storage. Centrally located and close to shopping, theatres and convenient freeway access. This lovely community includes heated pool/spa, clubhouse, billiards room, BBQ and picnic tables. Come enjoy!
Home Facts Bedrooms: 2 Full Bathrooms: 2 Half Bathrooms: 0 Living Area: 1,536 Lot Size: --
Type: Single Family Home County: San Diego Year Built: 1972 Status: -- Subdivision: --
Area: --
Interior Features
Amenities: Complex Features: BBQ, Clubhouse/Rec Room, Pool, Recreation Area, RV/Boat Parking, Spa/Hot Tub Bedroom 2 : Dimensions: 11X13 Dining Room: Dimensions: 10X11
Fireplace: Fireplace Location: N/K Flooring: Floor Coverings: Carpet, Linoleum/Vinyl
Heating/Cooling: Cooling Description: Swamp Cooler(s), Heat Equipment: Forced Air Unit, Heat Source: Natural Gas Kitchen: Dimensions: 12X13 Master Bedroom: Dimensions: 12X13
Family Room: 13x13 Dimension 12X13 Rooms: Rooms: Bedroom(s) Entry Level, Breakfast Area, Dining Area, Dining Room, Family Room Appliances: Equipment Available: Dishwasher, Disposal, Dryer, Range/Oven, Refrigerator, Shed(s), Washer Units: Number of Units: 125
Laundry: Laundry Location: Closet Full Sized Exterior Features
Fence: Full Fence Partial Foundation: Skirting Description: Other/Remarks
Garage/Parking: Parking Spaces: 2 Lot: Lot Size: 0 (Common Interest) Style: Model: Lakewood, Make: Apollo Swimming Pool: Pool Description: Below Ground, Community/Common
Topography: Topography Description: Level Location: Market Area: North County Inland, Neighborhood: Mira Mesa, Cross Street: Mira Mesa Blvd Water/Sewer: Water: Meter on Property, Sewer/Septic Description: Sewer Connected Exterior Feature: Wood Exterior Vinyl, Metal, Roof Description: Metal, Other/Remarks, Patio Description: Covered, Slab
Community Features
HOA Dues: Monthly Association Fee Restrictions: 55 and Older , Pets: Allowed w/Restrictions
Community Details: Complex/Park: Village Green Multi Unit Features: Space Rent: 750.0
Financial: Other Fee Type: Other/Remarks, Ownership: Land Lease, Monthly Fee: 725, Other Fee: 725.0

8589 SE CONSTANCE DR

2009-05-07T21:38:00.000-07:00

Beds: 5 Baths:3 SqFt:5,817 Price:$790,000
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Or Call: 800-395-7804
Listing Agent: Gary A. LaneQuestions? Call 800-395-7804 Description Elegant. Gated area. Unique Sapele hdwds throughout. Venetian plaster treatments, main flr.Wrought iron railings. Sur. sound in huge media rm. Awesome wine cellar. Old world craftsmanship everywhere. Truly a one of a kind masterpiece. See to believe.
Home Facts Bedrooms: 5 Full Bathrooms: 3 Half Bathrooms: 1 Living Area: 5,817 Lot Size: --
Type: Single Family Home County: Clackamas Year Built: 2007 Status: -- Subdivision: --
Area: -- Interior Features Accessibility Features: Handicapped Access Fireplace: Description: GAS Flooring: Hardwood Floors, Tile Heating/Cooling: Forced Air Heat, AC Ready Kitchen: Cooking Island, Disposal, Ice maker line Living Areas: Fireplace In Dining Room, Built-Ins
Master Bedroom: Main Level Basement Features: Finished Basement Appliances: Built-In Dishwasher, Built-In Microwave, Downdraft/Cooktop, Built-In Oven, Gas Appliances
Interior Feature: Jetted bathtub/whirlpool, Ceiling Fan(s), Home Theater, Garage Door Opener, Hardwood Floors, Sound System, Wall-to-wall Carpeting, Built-In Vacuum
Exterior Features
Garage/Parking: Spaces: 3, Attached Parking Lot: Private, Lot Size: 15K-19, 999SF, Cul-de-sac
Roof: Composition Shingle Roof Style: Contemporary/Modern Style View: Mountain View, City View Building: Stories: 3 Water/Sewer: Public Water, Public Sewer Service Exterior Feature: Water Feature, Stone Exterior, Sprinkler System, Fiber Cement Exterior, Deck
Community Features
Utilities: Gas Available School Information Elementary School: MT SCOTT Middle School: SUNRISE High School: CLACKAMAS

3500 Beverly Drive

2009-05-06T23:31:00.000-07:00

Beds: 6 Baths: 8 SqFt: 18,841 Price: $17,900,000
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Description
Stunning new home by Andrew Merrick on an oversized lot on prestigious Beverly Dr. Constructed with the finest materials and workmanship,this masterpiece has it all! Solid concrete walls from the basement thru 2nd floor, 2 beautiful commercial elevators, 1 private to master and spa,his-her master baths, full spa, media with AM-smart home,wine vault w-separate dining, Lutron lighting, guest quarters with private entrance.
Home Facts: Bedrooms: 6 Full Bathrooms: 8 Half Bathrooms: 2 Living Area: 18,841
Lot Size: -- Type: Single Family Home County: DALLAS Year Built: 2007 Status: Active
Subdivision: Highland Park Area: --
Interior Features Bedroom 2 : Level: 2, Dimensions: 18 x 16 Bedroom 3: Dimensions: 18 x 18, Level: 2 Bedroom 4: Level: 2, Dimensions: 16 x 15 Bedroom 5: Dimensions: 19 x 15
Breakfast Room: Dimensions: 17 x 17, Level: 1 Dining Room: Level: 1, Dining Areas: 3, Dimensions: 24 x 16 Fireplace: Fireplaces: 9 Kitchen: Level: 1, Dimensions: 19 x 19
Living Areas: Living Areas: 4 Living Room 1: Level: 1, Dimensions: 28 x 24 Living Room 2: Dimensions: 36 x 28, Level: 1 Living Room 3: Level: 1, Dimensions: 22 x 17 Master Bedroom: Dimensions: 27 x 25, Level: 2 Security: Yes Study: Level: 2, Dimensions: 26 x 12
Utility Room: Dimensions: 19 x 17, Level: B
Exterior Features
Garage/Parking: Covered Spaces: 8, Garage Spaces: 8, Dimensions: 20 x 20 Lot: Lot Number: 11 Style: Stories: 3 Swimming Pool: No
Community Features
School Information School District: HIGHLAND PARK ISD Elementary School: ARMSTRONG
Middle School: HIGHLANDPA High School: HIGHLANDPA

Builders, Financial Service Companies Partnering to Stimulate Regional Economy

2009-05-06T23:16:00.000-07:00

Challenging economic times call for new ideas; solutions and a commitment to helping communities solve their current problems and move ahead financially positioned for the future. In Wyomissing, Pennsylvania two diverse, yet intertwined companies are pooling their resources to meet the needs of the people they serve. VIST Financial Corp. recently announced it has created an initiative to offer low-interest mortgages to qualified homebuyers who purchase new homes with local homebuilders who are clients of VIST. The initiative will be offered through the company's mortgage division, VIST Mortgage.
"With this type of impact being the bedrock of any financial recovery, we hope other banks in the region and across the country will create similar programs to aid their communities as well," said Robert Davis, President & Chief Executive Officer of VIST Financial.
Under the "Community Builder" initiative, the bank has committed up to $40 million available to offer 30-year fixed rate mortgages at 3.99 percent APR to credit-worthy borrowers purchasing primary residences. VIST officials cited a report by the National Association of Home Builders which estimates the immediate and ongoing impact of home building and home sales could mean as much as $245 million in income, taxes, and wages as well as the creation of more than 1300 jobs over the next seven years.
"We are fortunate to be able to work with such a great group of builders who want to provide new homes to their customers in an economic environment which has delayed the dream of home ownership for many in our region," added Ron Rohrbach, Executive Director of the Home Builders Association of Berks County, who shared Davis' enthusiasm for the program. "They, like VIST, understand the importance homeowners play in creating and maintaining stable neighborhoods and healthy communities." The plan grew from a portion of the funds the bank accepted from the Federal government's investment under the Capital Purchase Program, in which the Federal government invests in solid, well-capitalized financial institutions in exchange for Preferred Shares of company stock. Davis is quick to point out the difference between the CPP and the bailouts of larger institutions.
“The investment the government made in VIST Financial wasn't necessary to provide a bailout as it was with many of the larger institutions that dominate the news coverage," explained Davis. "Rather, the government shares our belief that a sustainable recovery in the housing and credit sectors will come not from these enormous institutions, but from the community lenders like VIST. This is an outstanding program that will put the taxpayers' investment to work in visible ways." “Programs like the Community Builder are important for every community in that not only does it help people realize the dream of home ownership but it also drives other factors important to our local economies, such as consumer spending, job creation, and expanded tax bases," said R. Stanley Schuck, President & Chief Executive Officer of the Main Line Chamber of Commerce.
The $40 million dollar Community Builder was announced at a press conference held at VIST Financial's corporate headquarters with company officials being joined by the Home Builders Association, Berks and Main Line Chambers, and state and local officials. Responding to a question about the program's timeframe, Davis noted that the Community Builder could be extended depending on how quickly the public takes advantage of the $40 million, which could lead to more than 200 home sales.
Participating builders include: Greth Homes, GG&F Construction, Pine Brook Construction, Grande Construction, Summer Hill Building & Contracting, Inc., New Vision Builder Inc., Heidelberg Custom Builders, DiBiase Construction Inc., Casa Bella Builders, D'Arcangelo Builders, Inc., Alexaki Construction, DeSantis Development, Shaffer Group, Judd Builders and Squire Home Builders.
VIST and the local builders of Wyomissing are examples of what an America, one that works together to help the citizens of its community, can accomplish when political squabbles and indifferences are set aside for the betterment of those who need it most.
[Note: VIST Financial is a diversified financial services company with headquarters in Wyomissing and Blue Bell, PA, offering banking, insurance, investments, and wealth management services throughout Berks, Southern Schuylkill, Montgomery, Delaware, and Philadelphia Counties.]/I> Today's Local Market Conditions Report

Ask the HOA Expert

2009-05-06T23:14:00.000-07:00

Question: Is it permissible for an HOA to invest in real estate by buying a unit in the complex and renting it out for income? The return would be much higher than any CD or money market account.
Answer: Larger condominiums are often designed with a manager's unit. But buying a unit for investment purposes would expand the common elements and require a vote of the members (which could be up 100 percent of them depending how the governing documents read). Also, the typical HOA does not have hundreds of thousands of extra dollars which could be locked up in such a relatively illiquid investment like real estate. Virtually all reserves are earmarked for future repair and replacement projects. To pay for those projects, reserve funds are typically invested in Certificates of Deposit for 3-12 month terms so the money can be readily available when needed.
Question: We have a member that requested copies of HOA records which, granted, he is entitled to see. He was quoted a reasonable price per page of 10 cents which includes the copies and the manager's time to produce the copies. He showed up at the next board meeting claiming he was entitled to the information for no charge.
Answer: It is reasonable for the HOA to charge a fee for photocopies. His grandstanding at a board meeting doesn't change the fact that this is a special request and not routine HOA business. As such, he should pay a reasonable cost. Of course, he could save the money by simply reviewing the records he's interested in. Requesting piles of paper is a common intimidation tactic.
Question: Our board consists of five directors. In past elections, it has been difficult to get people to run for the board which may not be the case in coming elections. The bylaws state:"The number of directors shall be designated by resolution of the Owners from time to time but shall in no event be less than three nor more than nine directors, and shall always be an odd number". The current board majority stated that it has no desire to increase the number of directors.
Can a resolution to increase the number of directors be included in the Notice of Meeting and to be voted at the meeting by the membership?
Can a resolution be proposed at the Annual Meeting by any member to increase the number of directors?
Answer: It's fine for the board majority to express its opinion on this matter but it has no special authority to control the outcome of a vote. As your bylaws clearly state, changing the number of directors requires a vote of the members. Such an amendment needs to be noticed in advance of the Annual Meeting in the Agenda so all members are aware of it and have the opportunity to vote. This proposal cannot be first announced at the Annual Meeting itself since members that are not present will have no knowledge of it nor be able to cast a vote.
Question: An owner recently died and several board members believe the HOA should waive the monthly assessment for the widow. Is this permissable?
Answer: The board has authority to make reasonable compromises on payment of HOA debts. But there is no debt issue here. So, if the board feels strongly about this, it should pass the hat to raise private money for the widow. The money should not come from the HOA pot.
For more innovative homeowner association management strategies, see Regenesis.net . Today's Local Market Conditions Report

Captial Gains Moratorium Would Help to Increase Demand in the Marketplace

2009-05-06T22:45:00.000-07:00

11-May 5:30 - 5:45pm

Property Summary:

Category: Apartment Bedrooms: 1 Bathrooms: 1 Available:Now

Stunning Views!! - 'STAMFORD ON KENT'

2009-05-06T08:10:00.000-07:00

Stunning Views!! - 'STAMFORD ON KENT'

$475 p.w.

187 KENT STREET 'STAMFORD ON KENT' SYDNEY

* Fantastic studio apartment with sweeping views of the city skyline
* Large marble bathroom,separate bath + shower
* Quality finishes
* Great fully equip kitchen

This highly sought-after development offers a 5-star health club including a fully equipped gym, lap pool and spa + 24-hr concierge.

Features: Built-In Wardrobes, Close to Shops, Close to Transport, Furnished, Internal Laundry
Modern Bathroom, Modern Kitchen, Renovated, Security, Views, Air Conditioning/Heating
Gym, Intercom, Swimming Pool
... AND MORE ...
Balcony / Patio / Terrace, Bath, Built in Wardrobes
Concierge / Manager

Click to Contact Agent

Property Summary:

Category:Apartment, Bedrooms: 1, Bathrooms: 1 Available: Now

Stamford on Kent - Fully Furnished - Available NOW

2009-05-06T08:07:00.000-07:00

Stamford on Kent - Fully Furnished - Available NOW

$950.00

SYDNEY

Executive fully furnished and equipped 2 bedroom apartment on a high level in Stamford on Kent. Quality property with 2 marble bathrooms, good sized balcony, modern integrated kitchen, open plan lounge dining and security car parking. 24 hour concierge. Excellent gymnasium and 25 m indoor pool. Minutes to trains and heart of CBD.

Click to Contact Agent

Property Summary:

Category: Apartment Bedrooms: 2 Bathrooms: 2 Garage: Single Available: Now

Intimate Views of the Opera House - 'BENNELONG'

2009-05-06T08:03:00.000-07:00

Intimate Views of the Opera House - 'BENNELONG'$980 p.w.

3 MACQUARIE STREET 'BENNELONG' SYDNEY

Reside in this world-class location just metres from the Sydney Opera House in one of Sydney's most exclusive developments.

This unfurnished luxury apartment enjoys intimate views over the Royal Botanic Gardens + Opera House, spacious living, two bedrooms, generous balcony, two marble bathrooms, security parking + storage. This fabulous harbourfront location is the epitome of prestige, wedged between 3 iconic landmarks- The Harbour Bridge, Opera House and Botanic Gardens.

Facilities on offer include security, 25m lap pool, fully equipped gymnasium and concierge.

Features: Close to Shops, Close to Transport, Internal Laundry, Modern Bathroom, Modern Kitchen
Views: Gym, Spa, Intercom, Swimming Pool, Lift, Balcony / Patio / Terrace, Bath, Built in WardrobesConcierge / Manager

Click to Contact Agent

Property Summary:

Category: Apartment Bedrooms: 2 Bathrooms: 2 Carport: Single Available: Now

"THE QUAY" Fully Furnished - AVAILABLE NOW

2009-05-06T07:59:00.000-07:00

"THE QUAY" Fully Furnished - AVAILABLE NOW

$1500.00

SYDNEY

Magnificently designed, with a feeling of calmness throughout this spacious fully furnished 2 bedroom 2 bathroom executive style apartment. On the 20th level spanning extensive water, city and park views, offering Harbour Bridge views from the master bedroom that has a gorgeous marble tiled en-suite with bath and shower and then bedroom opening onto a good sized balcony with the magnificent Icon, the Harbour Bridge and water ways for your visual enjoyment. Spacious open plan lounge/dining looks east over the Botanic Gardens, the harbour and the eastern suburbs to the heads and opens onto a entertainers balcony. Second bedroom set up as a study and also opening onto a balcony with the magnificent Harbour views. An en-suite from the study concealed cleverly behind closed French Iron/Opaque glass doors - what a treasure. Internal laundry together with a wet bar. Three storage spaces plus one security car space. 24 hour concierge for the building. Peacefully set amongst greenery the pool and gym.

Click to Contact Agent

Property Summary:

Category: Apartment Bedrooms: 2 Bathrooms: 2 Garage: Single Available: Now

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3500 Beverly Drive HIGHLAND PARK, TX 75205-2802

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