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El Paso is a big city cultural center that, due to its proximity to the Mexican border, has a very vibrant Latino scene. Home to the giant El Paso Gas company, the city has grown by leaps and bounds of late due to off-course business and immigration. Immigrants to this city are individuals and families looking for work for university students who come to enroll in different community colleges. This means that apartments in the area become a focal point for residents and those who come to the city. City apartments require good credit and rental history to get approved. Unfortunately, if you are looking for rental housing or apartments and your credit is below 700, you may be denied. The apartments also vet broken leases and will also serve an immediate denial if one is discovered. But are there apartments in the El Paso area that will allow tenants who have bad credit or a broken lease? Here are some places you can start looking:

• mesquite hills
• view from the mountain
• northern hills
• Downtown El Paso

There are some difficulties sometimes when it comes to locating these types of apartments. One of the main reasons is that they are reluctant to advertise for fear of attracting the wrong people. If you have tarnished credit or a rental history that shows you’ve abandoned a lease, there’s a chance that finding an apartment will end in frustration. Most apartments in the area are concerned with quality and would like their reputation to remain intact. Therefore, they do not have a blanket policy of approving every person whose credit or history is short. Instead, they prefer to deal with those tenants on a case-by-case basis.

To discover these apartments, you have to network. Sometimes this means letting colleagues, friends and family know exactly what you’re going through to see if there’s anything they can do. They may know a leasing manager somewhere who is more than willing to work with you if a friend has recommended them.

Sometimes it may involve the use of the Internet. This can save you time and money because you can search for apartments in the El Paso area without leaving the comfort of your home. Finally, consider checking apartment listings or using an apartment locator.

Leverage is the key. You can leverage your cash, your assets, other people’s, anything including your entire portfolio if you want to go to the next level.

What is the biggest problem for banks in 2010? “Too big to fail” banks get a government bailout, which means taxpayers support them, so executives still get big bonuses. However, what about those banks that are too big to fail? What do you do when you have so much foreclosed property to deal with?

Enter Bulk REO

Before we talk about REO in bulk, let’s talk about the foreclosure system in general. Once a house has gone through the foreclosure process and is put up for auction, it is done. If you own the underlying mortgage on the home, you’ll make an offer for the amount owed plus expenses; in that case, often a real estate investor will outbid the original owner so the debt is paid off. If there is no offer or the lender is the highest offer, the lender ends up with the property. That’s not what most lenders want. They just have a property that’s sitting there empty. The property is now called a “real estate property” or REO, which means that the lender owns it. Hundreds or thousands of small banks and credit unions that are too big to fail have many of these properties on the books and are not producing any cash flow. Because they don’t get ransom money, they don’t get big bonuses, and they need to get rid of these properties. What are those banks and credit unions doing? They may sell them individually, or they may package them in a large bundle and sell to someone who can make a reasonable offer.

Which do you think probably happens?

REO packages typically sell for much less than market value, perhaps $.40 or even $.50 on the dollar. That makes something that could be disastrous that much less so. What’s even better is that for the first time these packages can be purchased by individual investors to trade, buy, trade or even hold.

That’s good news, but it can take some work to find these massive REO packages. There are many so-called “brokers” who claim to have direct access to these offers, but that’s usually not the best way to go. Instead of going through a “middle man”, you want to have direct access to these packages yourself if you want to participate in this.

Find Bulk REO Packages

Finding REO packages in bulk is pretty easy to do if you know where to look and what to tell people. Yet you don’t look where you think you would. That’s where the Bulk REO Secrets course can help. The steps in this course are based on the methods I used to gain access to these packages for myself and others as well.

Find the assets.

Finding assets can be difficult, but don’t waste time trying to deal with banks that won’t talk to you. Instead, opt for smaller, regional or local banks, or even credit unions, which will do this. These are sometimes called “portfolio lenders,” and if you find the person you need to go to at a particular bank or credit union, that’s great. Next you need to figure out what to say. What are you saying? You don’t want to sound like you’re inexperienced, and you want to be able to spot rogues who act like they have shortcuts, but they really don’t. Bulk REO Secrets has all this information for you, to give you instant credibility and the means to reach the “go to” types at smaller banks and credit unions.

Three forms are needed.

You will need to fill out three forms to make bulk REO offers. You need a confidentiality agreement, a letter of intent, and a proof of funds letter. You can get a free $1 million proof of funds letter just for purchasing Bulk REO Secrets.

Take care of the financing.

Finding it can be the hardest part of investing in real estate, but don’t worry. The course will also teach you how to do this, depending on what your exit strategy is. You will need to have funding lined up unless you are simply acting as a broker, in which case you won’t. If you stay the course, you’ll need something called “distressed REO financing,” or if you’re going to take properties out of the package, you’ll need to close with “transactional financing.” This is also included in the course. I know someone who finances packages, no credit score required, and transactional funding source with no upfront fees required, so you can line up $1 million pretty easily, no questions asked, or more than that if you make one phone call.

turning.

You can flip massive REO deals in a package or individually, and this is a great way to syndicate what you do. As a large-scale wholesale, it takes some finesse, and I can show you how. What to do? Build your buyers list first and then start marketing before you get the tape.

Bulk REO Brokerage

“Crowd brokering” is a favored strategy, and you don’t need a license or experience to do it. However, you can get amazing money, fast. One of the best ways to trade the package is through hedge funds, which you can find online. With this, you can get both cash and property. And that’s all there is to it.

I fell in love with Cuba, or at least with the idea of ​​Hemingway’s Cuba, in my mid-teens. I read an article about the writer and was delighted with the romance of a bygone era, the sauce and adventure preserved in time. Perhaps the idea of ​​vintage cars made the historical more tangible. I decided that one day I would go and find out for myself. Twenty years passed before he traveled to The Big Isle in 2008, nearly 50 years after Hemingway’s death.

I was less naive in the romance of Hemingway’s life but still enamored enough to want to know more about the man and the country. Havana was as beautiful as I expected. I had learned a little everyday Spanish, enough to help me get by in the fast food stores and even ask directions.

I was staying in the old town and entertained myself by visiting the usual tourist spots of the cigar and rum factories, and exploring streets of dilapidated architecture, making sense of the many influences from Moors to mobsters. As splendid as the Hotel Nacional, many of the buildings seemed to be returning to nature. Covered perhaps in part by urban gardening established in the special period, when the dissolution of the Soviet Union severely hit the Cuban economy in 1991.

To make up for the shortage of supplies, Cubans grew their own food on whatever land was available: vacant plots, rooftops, parking lots. Times were still hard, or at least the availability of everyday products like soap was limited. I was overwhelmed by the kindness and generosity of Cubans, the laughter, the dancing and the eternal phrase ‘mojito by day, salsa by night’. But I wanted to know more about Hemingway. ‘Janet, Janet’ was the response to my shaky Spanish. A brisk movement of the hand to the clock and many finger signals left me in no doubt that I should be in the hotel lobby at 9 am the next morning. There he would meet Janet.

Hemingway lived in Cuba between the 1930s and 1950s, where he wrote seven books, including For Whom the Bell Tolls and Islands in the Stream, but his most famous work was The Old Man and the Sea. The Old Man in the title is Santiago, an elderly fisherman who fights a giant marlin in the Gulf Stream. The novel was awarded the Pulitzer Prize for Fiction in 1952 and helped lead to Hemingway’s receiving the Nobel Prize for Literature in 1954. Some have suggested because it imbued a sense of mortality in him.

Janet arrived in a yellow cab. Like other Cuban women in official functions, she wore an impossibly short skirt but with a welcoming smile and after introductions (thankfully in brilliant English) we were soon heading nine miles out of town, towards the hills and Hemingway’s house. , Finca Vigía, or Lookout. Farm.

Leaving Havana behind, we soon found ourselves in a lush green field looking out to sea. Born a few years after Hemingway’s death, Janet seemed concerned because she had never met the man, but she had researched and met many of her friends. She explained that the Cuban government had spent a million dollars to restore Finca Vigía to its original state, including the grounds, the garage, and the author’s fishing boat, the Pilar. It is the most visited museum in Cuba, we visited it out of season, but still she warned us that we would have to be quick before the crowds arrived. Access to the buildings is limited, but we were free to roam the grounds and walk around the house, looking through the open windows in complete solitude.

Despite the warning, we didn’t rush and Janet’s stories about the larger-than-life character, playing baseball with local kids, and supporting the local community made me feel like I was visiting her friend rather than a famous author. , famous for his womanizing and drinking. I gasped as I watched a giant frog in a jar for Janet to explain how Hemingway had nurtured her back to health only to be killed by one of her cats. The frog remains chosen for posterity, in memory of Hemingway’s surprising kindness or perhaps the cruelty of life and the harsh years of illness and injury the writer suffered while living in Cuba.

Sure enough, as our taxi pulled away, we saw the first of the buses arrive. We went to Cojimar, a small port six miles east of Havana where Hemingway had kept the Pilar. The town was also the inspiration for the town in The Old Man and the Sea. We got to see a lone fisherman in the bay that would have been crowded in days gone by.

During lunch I took the opportunity to hear more about living in Cuba during the special period. I felt more uncomfortable asking than Janet talking about when she was just a teenager. The government gave each family a pig or chicken to eat depending on the size of the family, she said, but they had never cared for animals before. Janet’s brother was given a pig that he took to his wife in their Havana apartment. What would you do with a pig in a flat in the center of the city? wash it. The wife couldn’t stand the smell. ‘We called it the fish pig she washed so often, it was like she had gills!’

The Old Man and the Sea is a novel about a man’s willpower and spirit of resistance. Santiago is considered “salao”, an extreme form of bad luck. The fisherman goes eighty-four days without catching a fish, but then, on the eighth fifth, he hooks a huge marlin. The novel is like a mirror that reflects human resilience, the humor that sustains it, and the strength and ideas that we cling to in the most difficult moments. Perhaps strength as a larger-than-life character who courted global publicity while openly celebrating life in Cuba. A fan of fishing, Hemingway was well known in Cojímar.

After his suicide in 1961, local fishermen donated the metal from their boats (propellers and cleats) to make a sculpture in memory of the respected man. La Terraza, the bar apparently frequented by Hemingway after a fishing trip, is still there, but we had opted for a quieter break. Of course, a tour to discover Hemingway’s Cuba, unofficial or not, would not be complete without a trip to the bars of Havana. He was well known for his daiquiris at La Floridita and mojitos at La Bodeguita del Medio.

The trainers had caught up with us, so after a quick cocktail we kept moving forward. Waves of men parted as Janet walked the streets, ‘I love Hemingway; I spend my time talking about it, researching it. If Hemingway were still alive, my husband says he would think I’m having an affair with him.’

Our last stop was the Hotel Ambos Mundos, curiously since it was Hemingway’s first house in Cuba. He stayed there intermittently between 1932 and 1939 when he moved to the farm. The hotel has designated room 511 as a museum; admission costs $2 CUC – the amount Hemingway used to pay per night. It was closed. With a quick introduction to a friend, Janet soon gained access. The room was small, oddly shaped, with a single bed but it was on the fifth floor and had great views over the harbor and the smiles and excitement of Old Havana. It was easy to see why Hemingway had fallen in love with Cuba.

Glad to have met Janet, hers was a personal journey down memory lane. Although memories of the books and stories of others, the fact that the tales have been passed down almost gave them more credibility. Everywhere we went there was genuine affection for Hemingway, even pride in having chosen the beautiful island to make his home. It was as if he still lived there, that if he quickly turned a corner he would be playing baseball with a gang of kids on the street.

I had traveled to discover a world described by a writer and instead found a writer described by people. Not Hemingway’s Cuba, but Hemingway’s Cuba. “Let him think that I am more of a man than I am and I will be.” Ernest Hemingway, The Old Man and the Sea.

Do you love literature and travel? Visit abookabroad.com for more features.

It is common to hear college students complain about their financial problems today. Universities and campuses offer high-quality courses, but these courses usually cost a great deal of money to take. Many times, students turn to student loans and other means to earn extra money just to help them complete their studies.

Sometimes the student loans provided by the federal government are not enough to cover the cost of education. In this type of situation, you will greatly benefit from having a high credit score. Why?

If you have a high credit score, you won’t have much trouble applying for a private loan. A private loan is another alternative for students who lack funds for college. Most government-funded student loans are limited amounts, and private loans can help fill that gap.

Some students and parents turn to private loans because they need flexible repayment options. If your parents are the ones applying for your student loan, they are likely to apply for a private loan for their parents to take out because repayment for government loan programs cannot be deferred.

Student loans made by private lenders depend on the student’s major or the course the student is taking. One of the leading private student loan lenders is Citibank. Citibank offers the following student loans: college student loans, law/attorney loans, graduate loans, health and career loans, and residence loans.

One important thing to remember about private student loans is that they cost more than government-funded student loans. But if you try to compare it to a credit card, it’s still less expensive.

Currently, the number of students choosing to obtain private student loans is growing rapidly compared to federal loan programs. If this situation continues, in just a decade, private student loans will surpass federal student loans.

Before you start considering a private student loan, make sure you’ve exhausted your federal student loan options. You should always try to measure things, because in a few years, you will have to start paying for them.

If you are looking at the interest rates charged by the private lender, you should also look at the fees charged. It’s good to follow this rule of thumb regarding interest rates and fees charged: a 1% higher interest rate is the same as 3% fees charged.

There are private student loans that have different repayment terms based on their APR, so be careful when comparing such loans. By far the best student loans are the ones with low interest (at 2.8%) and no fees. But this type of loan is granted only to students who have a co-signer who has a high credit rating. Therefore, very few students qualify for this loan.

Private lenders will generally require students to submit a certification from the school that contains information about the specific cost of their education minus any financial aid already received. Most private lenders do not disclose any information to students unless they apply with them. This is because it generally prevents comparison between private student loan lenders.

Remember, it doesn’t matter if you already have a government-funded loan. A private student loan can still help you with your educational financial affairs. And don’t forget that these loans are not free, that after you graduate and start your own career, you will have to pay these lenders back.

So, you know what a brand is. You know what constitutes a brand and what parts of your company you could exploit, I mean use, to define and manipulate your brand and the way you are perceived by the public. But hey, how?

The combination of a successfully developed brand and the implementation of a great marketing campaign will do wonders for your business. Think about those TV commercials that stick in your mind: what makes them that way? What have they done differently? If you make a list, you will notice that each and every one of them has tapped into creative and innovative ideas. It’s not enough to just have a great logo, or great radio ads. The entire marketing package, when done correctly, is the key to making your business a wonderful success.

There are a large number of commercial tools that are widely accepted as forms of advertising. The key here is to put your brand on everything. It may not even mean putting your logo on everything (although in most cases it’s recommended), but just making sure that all your business material fits with the business image you’ve already determined. For example, if you have a particular corporate color that’s fairly unique (ie, it’s not black), you can use it to your advantage by placing all your correspondence in color-coded envelopes. If your brand is a particular scent or perfume, be sure to always use it when you meet with your vendors or potential customers. Check all.

You should have two main ports of call, depending on your industry: your business card and your website. These are the first places your customers will look for your information. If your brand is not evident through these two mediums, you probably have some marketing problems. Stop reading, find a brand name developer (I know one I could use! ho ho) and have them redo them. Right now. No apologies.

You must use your logo, or some manifestation of it, on your business card. Your business card is your little personal identity that people can carry with them. A part of you is written on your business card. Work on it and work on it until it’s exactly right, or you’ll regret it as soon as it comes back from the press. You should be proud to hand over your business card; it’s even better if people go “oooh” when they see it. Point to “ooh.”

Regarding your website, above all else, it must be attractive and easy to navigate. It doesn’t really have to be flashy, but chances are people will be more interested in it if it’s not ugly. So if you have an ugly website, you’ll want to fix that too. It doesn’t need to be beautiful, but it does need to be harmless. If you want to do it yourself, there are tens of thousands of web design tutorials that you might find useful. Otherwise, hiring a web designer or developer to create an effective site for you is your best bet. Just be sure to check out their previous work, to make sure they can actually provide what you need. Web designers seem to be a dime these days, and it can make it hard to pick one that’s actually skilled!

Now leave and come back when you’ve got your business cards and website sorted out. I will wait here.

Once you’ve worked out your initial touchpoints, you can see everything else. There are so many options for marketing your product or service that you couldn’t possibly cover them all, even if you wrote a book about it. So let’s talk about options and examples. I’ll use myself as an example, then I can disguise brainstorming as writing an article and feeling accomplished afterwards.

The most obvious form of marketing seems to be print advertising. Print advertising is available through different media: magazines, newspapers, mailboxes, flyers, brochures, pesky pieces of paper under people’s windshield wipers.

There are benefits to all of these, depending on who your target audience is and how much you want to spend. For example, a quarter-page color ad in a magazine might cost you $1,500, but it might also give you more opportunities to target your specific audience (if you were, say, a brand developer, you might advertise in a start-up company). ). magazine). Obviously, the benefit here versus a newspaper is the specific audience that reads the magazine. But the newspaper may only cost you a couple hundred bucks, so there’s a benefit to that.

Mailers are fairly inexpensive to develop (especially if you photocopy and mail them yourself), but most people may just throw away your brochure. And then the people who actually read your brochure might not be interested, which can make it a huge waste of time. On the other hand, if you have a low-sales, high-profit, high-margin type of business, even a few sales from your downfall can make you profitable, so it might well be worth the time and money you put into it. .

Brochures allow you to showcase your full range of products, but they’re expensive to produce, and like mailboxes, many people just throw them away—at $4 each, they’re nothing to laugh about. If you post your brochure at your local grocery store, it will probably only cost you 20 cents for the photocopy, but it can be detrimental to your professionalism. The pesky bits of paper under your windshield wipers are, well, annoying, and should probably be reserved for door-to-door salesmen.

It’s not just about advertising though, of course. As I mentioned earlier, your brand is made up of much more components than just collateral. Get creative with your marketing – when you sell a product, add your own personal flair to it. Make sure your packaging material has your logo on it. When you’re out and about, wear a T-shirt or earrings in your company color. If you do this kind of thing often enough, people will start to notice. Every minute of the day is an opportunity for your brand to be recognized.

Do you feel more positive about businesses that are active in the community or with charities? How would participating in a campaign like donating a percentage of your profits to a non-profit organization reflect on your brand? Consider that if you sell children’s clothing, for example, donating part of each sale to SIDS & Kids may well encourage parents to think that your business cares about children and is involved in the community. And of course it makes you feel good, and SIDS & Kids will benefit too. everyone wins

Take advantage of free marketing opportunities. I recently bought a book called Marketing Without Money (not a bad book, worth reading!) and out of sheer irony, I put my business stickers on the front and back, with a little comment about what I do. When the people on the bus are interested in what I am reading, they will also see an advertisement for my company. Take your business cards with you everywhere and hand them out at every opportunity, even if you don’t hand them out during necessarily business-related conversations.

Make sure you are well presented as often as possible. I know we all have those days when our noses are a little stuffy and we just want to get out of bed and go to the supermarket in our sweatpants for some chocolate, but if you can give it an air of sophistication and “I took the time to be presentable, because I care about the image of my business”, that will have a profound effect on anyone you talk to. You can never be sure when a business opportunity might arise; give yourself the best chance to make a good impression when it happens.

Consider writing signs for your car, which is fairly inexpensive and can be very effective. People may not stop you to talk about your company, but if you do some driving in your local community and have a well-developed logo, it will create a sense of familiarity. Then complement your car campaign with a well-designed logo in the Yellow Pages or in your local community directory. When your potential customers go looking for a supplier, you can trigger their memories and invoke that same sense of familiarity in them: they’ll choose you, not someone they don’t know completely.

The key marketing characteristics to look out for, then, are:

• Consistency – Consistency is absolutely the most important characteristic of well-developed brand marketing. You want your customers to be able to recognize your brand in everything you offer.
• Uniqueness: Developing a campaign that adds something new will encourage people to investigate your company and discover what makes it different. Obviously this isn’t always possible, but think outside the box whenever you can. The humor is also great.
• Overkill – Definitely use overkill with your brand! You will most likely affect different groups of people with your different media, so use as many as you like. Make people familiar with your company.
• Make it Memorable – You want consumers to come back and develop a relationship with your brand. Make sure your logo and other branding material is well developed, with a key theme in mind, and is easily reproduced. Some of the world’s most recognizable brands are also the most down-to-earth (like Nike).
• Think creatively: Don’t limit yourself to the “usual suspects” when it comes to marketing your business. There’s no reason you can’t screen print a t-shirt with your logo and wear it everywhere. Get yourself some temporary tattoos and stick them on your kids. Even when sending very boring and impersonal letters to places like banks, include your logo on the envelope or use color-coded envelopes. You never know when postal workers might need to use your product.
• Marketing your brand doesn’t have to be incredibly expensive or difficult. If you can understand that your brand is in everything you present to the public, you’ll be increasingly attuned to the ways you can alter their perception of your business, or at least make them aware that it exists.

Broadly speaking, traditional real estate investment strategies fall into two areas:

The cash strategy and the cash flow and equity strategy

If you’re a seasoned investor, you no doubt know this information like the back of your hand. However, I wanted to provide a brief description of each “traditional strategy” below for those who might be new to the industry.

the cash strategy

With this strategy, the goal is to generate cash immediately. An investor can then use that money as earned income or invest it again in more properties. There are four options to employ when looking for a cash strategy:

Search and recommend

If an investor’s goal is simply cash and not investment, he or she may become a “bird dog.” Bird dogs find good investment properties for investors. By doing so, they earn a “find fee”. It is the fastest way to earn cash.

control and assign

With this method, the investor obtains an assignable contract or option on an investment property and then finds someone else to purchase it. It gives the investor considerable bargaining power and a good margin. The volume is low, however.

Buy and sell

This is the method of purchasing a property, without making any improvements, and then putting it back on the market at a higher price. The profit margin is better than with a control and allocation strategy. But the investor will need to spend more time getting these deals done. Finally, the volume is lower than with the following method.

Buy, upgrade and sell

This is the “rehabilitation” method. The investor buys the property, fixes it up, and then sells it for a profit. It offers investors even better margins than the buy and sell strategy. Naturally, rehabilitation requires much more time and money, and there may be fewer deals to make.

Capital and cash flow strategy

This strategy is long term. That is, the investor seeks to create cash flow and generate capital for the future. There are three basic options:

lease option

This method has the great advantage of requiring little or no money. Within this method, the investor has several alternatives for cash flow: Lease with option to enter, lease with option to exit or both.

Lease Option In occurs when an investor negotiates to lease a property (usually 2-5 years) and includes an option to purchase at the end of the term at a pre-negotiated price. Once the investor has the right to lease the property, he or she leases it at a higher payment to a lease-to-own buyer. The difference between the lease payment and the occupant’s rent creates the cash flow. Note: Investors must ensure they have a tenant lined up before accepting the lease option on any property. This ensures that the cash flow will arrive!

Lease Option Out occurs when investors lease a property they own to a tenant with an option to purchase at the end of the lease period. With this method, they get more cash flow during the lease term and also capital (depending on the pre-negotiated price).

buy and hold

With this method, investors buy a property and lease it. This is a less complicated strategy than the “Lease Option” mentioned above. However, the investor is now the actual owner, and with ownership comes both reward and risk. Buy & Hold gives investors more flexibility than with the methods listed above. They have the option to sell anytime they want, or they can hold the property for cash flow and capital accumulation for as long as they want.

Buy, upgrade and hold

In general, this is perhaps the best method for generating cash flow and capital. Despite the current market, properties tend to appreciate over time. Plus, when investors make improvements, they have the potential for higher rents (more cash flow!) and greater capital accumulation. Additionally, they may also have the opportunity to enhance a property’s potential by relocating it to a more profitable use. Finally, when improvements are made, some of them are classified as capital improvements by the Internal Revenue Service, so there is the possibility of reducing the taxes paid on the cash flow obtained from the property.

Of course, there is more to these strategies than can be adequately described in this article. And it has taken me decades to perfect my approach to each situation.

What these traditional investment strategies lack is the flexibility to turn a profit quickly, and again, many of these methods require a large amount of cash to purchase the property.

The most creative real estate strategies such as short sales, estate sales, rehabbing and selling, pre-foreclosures, and other “non-traditional” methods are at risk of being curtailed with the introduction of the new Uniform Closing Instructions.

These new regulations that are about to come into effect will limit real estate investors to using traditional methods, which will close the opportunity to invest in more creative strategies.

When someone decides they are ready and prepared to invest in real estate, for investment purposes, they should do their homework and know/understand their options, in terms of investing in this type of property. While investment real estate is often a great investment, this is only the case, when the property is right, a well-considered appraisal is made, and one is properly prepared to consider the best way to finance. these purchases. The process should start with a thorough financial analysis and feasibility study to consider the revenue stream, costs/expenses, and whether the purchase makes sense. Once this is done, and done carefully, consideration must be given to how the transaction will be financed. With that in mind, this article will briefly attempt to consider, examine, review, and discuss 4 possible options for financing your commercial real estate purchase.

one. Conventional Loans: Begin your analysis and review by considering conventional loans and whether this makes sense for you and your needs/requirements! A conventional/traditional loan, usually offered by a bank or other lending institution, requires significant collateral and other collateral to qualify. It also requires a down payment, often around 25%. One’s overall credit rating should be at a level that generates the best deals, etc.

2. Get funds from contacts/investors, etc.: Sometimes, it is best to look for partners or shareholders to obtain the necessary financing. Doing so often reduces your personal risk, but also limits your top chance. In addition, it requires, formalizing, a legally drafted agreement, etc. This is often attractive when one does not have the personal funds, or cannot come up with, the necessary down payment.

3. Combination: Sometimes the best course of action, for someone, may be to use some sort of combination of the two methods listed above. Perhaps using a conventional approach, for much of the financing, and attracting investors, either to minimize risk or create the ability to hold the necessary degree of reserves, associated with managing these types of properties, might make sense. for some.

Four. camaraderie; limited liability company; corporation; Real Estate Investment Trust (REIT): If you don’t want to, or can’t do this, on your own, a partnership, limited partnership, or corporation might make more sense. However, if you’re not prepared for quality analysis to choose the right property, or prefer to be more diversified, a real estate investment property (or REIT) might make sense because if you select the right property, General Partner, and experienced, expert, will be able to invest in real estate, in a similar way, to advise the investment in a Mutual Fund.

If you want to invest in investment real estate, do so wisely and be prepared to make the wisest decisions possible. Understanding, financing options, etc., positions you to make the best decision for you!

Bathroom remodels are more work than just a little paint and a little tile. If you’re considering a bathroom remodel, spend extra time and money doing a thorough job and completely dismantling the bathroom to bring you back to square one. This will allow you to discover problems that have been hidden and deal with them head on. What has been hidden surprises most homeowners. Fortunately, professional bathroom remodeling companies are familiar with what can be discovered. A complete and flawless bathroom that runs smoothly will add not only aesthetic value to your home but also monetary value.

Many common problems with bathroom remodeling stem from two causes; one being incompetent workers and two being damp. If a homeowner decides to go ahead with a bathroom remodel on his own, there are a few things he should look at and correct before proceeding with the project. Some problems are obvious, while others go unnoticed.

The first problem that can occur is with the floor frame. Unfortunately, it’s common to find floor joists in bathrooms that have been notched by plumbers. This will leave the floor weak. If the subfloor is not strong, eventually the new floor will crack under the pressure.

Another problem that can occur is that the pipes become old and corroded. If this is seen, it should be taken care of immediately during the renovation. This will make it easier in the long run. Upgrading cast iron, galvanized drain lines and copper supply lines can be easily upgraded when walls and floor are breached.

It seems that bathroom and tub surround tiles have recently started to require a waterproof installation. What many bathroom remodeling companies find when taking apart old baths is that a regular drywall has been placed behind the tub surrounds. If proper waterproofing techniques are not used in bathroom remodeling, water vapors will be produced which will cause leaks and deterioration.

With any type of moisture buildup comes annoying mold. Very few bathrooms are remodeled without the presence of mold. Many reasons can cause this, from a lack of waterproof material used behind the edges of the bathtub to inefficient ventilation. The daily buildup of moisture makes the bathroom a likely place for a mold problem to develop. It is relevant that adequate ventilation be installed in bathroom remodeling.

Another common problem is vents that are plugged in and working but aren’t properly vented. Vents running without the proper duct system lead to major mold related external cause problems in attics and/or basement areas. When conducting an inspection on a new home or a home being purchased, this is something all home inspectors know to look for. When a bathroom remodel is underway, this is usually easy to fix with a proper duct system.

The same applies to plumbing fixtures. It is important that homeowners take the time to determine where all pipes are vented and make sure they are up to code and working properly. Doing a major bathroom renovation will help solve homeowner problems and prevent small problems from building up into something bigger down the road.

Austin, the state capital of Texas, is a modest but high-tech city that blends serene living with some of the biggest names in tech and academia. The University of Texas at Austin has a looming presence and continues to attract thousands of ambitious young people not only from across the US but from around the world. Austin also has some of the best apartment rental units to be found in Texas. But renting an apartment in Austin means familiarizing yourself with the rental process. This is because most prospective renters can expect a background check involving rental history and court records. Rental background checks are designed to uncover previous broken leases, while court screening reveals whether the applicant has filed for bankruptcy. But where can you rent an apartment in Austin if you have a broken lease or have filed Chapter 11 or 13?

Broken previous agreements or bankruptcies can mean automatic denial

Many Austin apartment complexes take a previous broken agreement with an apartment very seriously. They also take issues related to filing for bankruptcy just as seriously. Many apartments will automatically reject any applicant whose name falls into this category. In many cases this now means the applicant has to look elsewhere. This can be a very frustrating ordeal, especially if one doesn’t know where to look in Austin. Below are some locations in Austin where one can find what are called “second chance” apartments.

• allandale
• avery ranch
• balcony woods
• Barton’s Bluff – Spyglass
• Battle Bend Docks
• Barton Creek
• barton hills
• bouldin creek
• brentwood
• bryker woods
• canyon stream
• copper field
• view of the ridge
• Dawson

These areas have some complexes where one can rent an apartment even with a tarnished rental history. The challenge facing almost all applicants within this category is the fact that these apartments are not advertised. This means they won’t sell easily as acceptors to high-risk tenants.

The internet can be a great place to search, but in many cases it is also a shoot and miss scenario. Getting around town can also be a frustrating and downright expensive experience. Using the services of an apartment locator may be somewhat more promising.

If you do indeed find an apartment in Austin that you can rent to you with past tenancy issues, you also need to show that you can pay the rent in the first place. This means being able to provide proof that you have a job. Then you also have to prove that they earn enough to pay the rent. These apartments may also perform a criminal background check.

Remax Belize Real Estate Expert

Mark Spain is a real estate agent who helps home sellers sell their property fast. He also helps buyers find homes. As a top real estate team in Belize, Mark Spain offers a range of services.

Home prices in Remax Belize are on the rise. Property prices in the inland and coastal areas have risen by double-digit percentages over the past four years. This is mainly due to a boost in tourism. The increase in tourist arrivals has helped house prices in Belize exceed pre-crisis levels.

Houses in Ambergris Caye are the most expensive in the country, with prices from US$1 million. The most popular area for foreigners buying property is Southern Belize. A 15-acre coconut farm in the area recently sold for US$225,000. In addition, there are several residential projects under construction in Belize. These include the Four Seasons on Caye Chapel, a resort with overwater bungalows, as well as 35 private homes.

Mark Spain – Remax Belize Real Estate Expert

Other places to consider are the islands of Cayo and Placencia. Both are located in the southern part of the country. They offer a tropical climate, abundant birdlife, and tropical forest. However, some expats choose to settle in a more affordable part of the island.

The largest concentration of hotels and shops in Belize is on San Pedro Island. It’s a beautiful haven that is a hub of amenities for 20,000 residents. There are numerous condos, as well as a few undeveloped properties for sale.

For example, the Robles Beachfront Property is a two-bedroom, two-bathroom unit situated on 13 acres of beautiful beachfront land. The property is surrounded by beautiful homes and is perfect for a family.

The Bracilette Caye is a 48-acre parcel of beachfront land adjacent to Ambergris Caye. It has a swimming platform and a 300-foot pier. This is a perfect place to invest in real estate.

Another great opportunity is the Belize Caribbean Island property. This property is located on Bullet Tree Road. It’s in a good location, close to the Secret Beach and the airport.

If you’re looking for a home in Belize, it’s important to hire a real estate agent. Not only will a real estate agent help you find the right home, but he or she will be with you until you are done. Typically, a real estate agent will only earn a commission of three percent. Depending on the circumstances, a real estate agent may be able to help you get a bonus at the time of closing.

Compared to other Caribbean Islands, house prices in San Pedro are high. The average rent for a three- to four-bedroom family home in this area is US$2,000 to US$3,500 per month. Similarly, apartments are available for US$75 to $1,250 per month.

Real estate agents are the best partners for home buyers. In addition, they can offer a guaranteed offer, which can make it easier for home sellers to find a buyer. Using an agent can save you thousands of dollars in commission fees.