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Reasons You Should Consider a Professional Garden Designer For Your Home Improvement Project

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Garden design is an art of developing your garden for the best use and enjoyment. You will, of course, need to have professionals work on the garden to achieve the best results or to meet the expectations that you have for the garden. It is something that involves understanding the environment and what is needed to be done to improve on its natural beauty thus leaving you with the best of garden ever. The best thing about the garden designers is that there are numerous contractors for any job you need to be done with the garden.

Garden Design Experts

The garden experts will provide you with a list of options for your preferred garden design and the work towards achieving nothing short of what you expect with garden design progessionalsthe garden. This will, of course, revolve around landscaping and proper maintenance of the garden. Garden design is a field that will include different things to be done in the garden and the end, therefore, achieving the best results with all your garden expectations. Fortunately, most of the service providers will offer all the services that you need. Hence you do not have to worry about your project being too huge thus demanding that you look for multiple contractors for the job you’ve got. Hard-scaping is another service that you can enjoy as far as the garden is concerned. It depends on where you live, but you should do some research on the best landscape gardeners for the product. For example, if your in Adelaide, you may choose Sphere Garden Design landscapers Adelaide. If you ar in Melbourne, you may choose www.hedgeandstone.com.au/

The Service

It is a service that will revolve around the use of hard materials such as different kinds of stones to achieve an overall garden that is beautiful and enjoyable. You will be amazed by how the hard materials can transform your garden with ease of course when handled by the right professionals for the job. Homeowners need to have outdoor spaces that are functional, beautiful and matching with the interests and lifestyle they love. This is not that hard to achieve since the professionals know exactly what is needed to achieve this.

To achieve the best results with the garden design, the professionals in the area will dwell on key points relating to the garden design:

Circulation:

When working on the garden design, they will look at the best circulation for the features that you need to be included in the garden. The fact is that it is not always a good thing to have a garden that looks too overcrowded.

Space:

It is another thing they will consider before going ahead with the garden design. It helps in determining what things or plants are most suitable for the design thus achieving the very best of results with the designing of the garden.

Surrounding environment:

This consideration ensures that everything within your garden is well coordinated. Each of the features within it will be complementing the next thus leaving your space looks wonderful.

Colors and textures:

When it comes to the plants, flowers and other features within your garden, the mixing of colors and different textures can achieve a unique, beautiful design.

Garden design experts know just which ones to settle for to make sure that only the best is achieved within the garden process. You will be amazed by what well-selected colors and textures can do to your garden.

Categories: Home Improvement

Should You Use A Vehicle Mechanic That’s Verified By The Vehicle Manufacturer?

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If you’ve recently discovered that your car has developed a fault and you need to get it fixed, then you may be wondering whether you should use a vehicle mechanic that’s been verified by the vehicle manufacturer or not.

In this guide, we’re going to give you a reliable answer to this question, and you will also learn a few useful tips that will help you when it comes to finding the right vehicle mechanic to suit your needs. Bearing this in mind, let’s take a closer look.

Verified Mechanics

First of all, it’s safe to say that taking your vehicle to a mechanic that’s verified by your actual vehicle manufacturer is a very smart thing to do in most cases, but accredited mechanicespecially if you have a new car that’s still under warranty, as this means you will not only have the assurance that you will have reputable parts replaced or installed, but you also know that the mechanic has been verified as well. Just as you’d expect, this means you won’t have to worry about whether the mechanic is qualified to do the job.

Of course, it may be possible to take your vehicle to an auto mechanic who isn’t verified by the vehicle manufacturer, but is nonetheless skilled and reliable when it comes to most mechanic tasks. In some cases, you may prefer to take it to somebody like this, especially if they are known locally and have a very good reputation, or you perhaps have a pre-existing working relationship with this auto mechanic.

 

Warranties

Ultimately, this will greatly depend on the value of the vehicle and how old it is. For example, if you’re having a very old vehicle that’s out of warranty, then it may be more convenient to find a local mechanic to take it to, who hasn’t been verified by the vehicle manufacturer. But by and large, it’s usually worth the effort to find a verified mechanic if the car is still within warranty.

Something else that’s worth bearing in mind is that a verified mechanic may have special relationships with certain vendors, and this will allow them to secure parts for cheaper than any other mechanic would be able to. Obviously, this is very common with the big and well-known car manufacturers who aim to encourage customers to return the car to the relevant dealership if it does develop a problem or fault over time.

It’s also a good idea to ask about the overall expertise that your auto mechanic has, because if you can select a mechanic who has a great deal of experience with the specific car model, or perhaps the specific problem or fault that’s developed, then this will go a long way towards making sure you have an easy and successful experience whenever you take your car to the mechanic.

At the end of the day, it’s clear to see that taking your vehicle to a verified mechanic will give you the extra confidence to know that your mechanic will know exactly how to repair the problem, and you will also be backed by further warranties given by the car manufacturer.

Categories: Tradesman

4 Tips On How To Research The Best Office Cleaning Service For Your Company

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Keeping your business clean and sanitary is important because it plays a role in the success of your company. Many companies decide to use an office cleaning service instead of hiring a full-time cleaner. However, you don’t want to use just any old service. With that said, here are a few tips on how to research the best office cleaning service for your business.

1. Services

When comparing a number of office carpet cleaning services, you want to find out what they offer because one company might provide more services than another. Think about what your needs are, such as you want your office’s carpets cleaned, the windows washed, trash picked up and surfaces wiped down with antibacterial products and things of that nature. The best companies will offer the services you need.

Do keep in mind that companies may have packages available. Different packages will include different services. Furthermore, you want to know whether they can clean your office on a regular basis, monthly schedule or whatever frequency you prefer.

2. Experience

Find out what kind of experience the companies you’re researching has, but remember that the best companies are not always the ones that have been in business for many years. If a cleaning company has cleaned many offices within the last year, then this is a good sign, even if that company is only a year old. If a company has been in business for many years but has only done a dozen jobs in that frame of time, then they are probably not the best office cleaning service out there.

steam cleaning of carpets

3. Reviews

You will want to read reviews about various office cleaning companies and what you’re really looking for is whether or not they did a good job, what kind of overall experience the customers had and whether or not they recommend their services. Even the best office cleaning companies will have a less than flattering review or two, but this shouldn’t be an issue if the majority of reviews are positive in nature. You want to steer clear of the companies that have just as many negative reviews as positive ones or worse, have more bad reviews than bad ones.

4. Prices

Finally, you want to compare prices because the best cleaning services will offer competitive pricing. Some companies charge by the hour and others have a flat fee, while some companies can enter into a contract with you for a certain period of time, and this may bring down the costs of their services. How much you’re willing to pay is completely up to you, but keep in mind that if a company does charge quite a bit, then there’s a good chance they use state-of-the-art cleaning equipment, techniques and highly trained professionlas, so it may be worth the price.

 

When it comes to finding the best office cleaning service, you want to research a companies. You want to compare their services and find out how much experience they have. Don’t forget to read reviews and compare prices, too.

Categories: Property Management

Tips For Finding The Right Retail Property For Your Business

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If you own a retail property and want to conduct a fast property sale you need to get in touch with commercial property buyers. It doesn’t matter whether you want to conduct a quick sale of your commercial property or rent it out, getting in touch with eminent property buyers will surely save you a lot of money and help you avoid property hassles in the future. Similarly, if you want to sell house quickly, reputed property buyers can help to conduct a quick sale of your house within a very short time span.

You need to conduct a little research if you really want to get in touch with a reputed property buying company that will help to sell your commercial property fast. If you really wish to sell house quickly you can ask your friends and colleagues about a good property buying firm in Australia. You can also use the Internet to look for reputed property buyers in Australia.

*When looking for a property buying firm you must ensure that the company invests in commercial and retail properties. Only a company that has invested in retail property will be able to evaluate your retail property and offer the right price for it.

*The property buying firm should purchase any commercial property in any part Australia. The firm should agree to purchase a property even if it is not properly maintained. Most important of all, the company must agree to purchase all types of commercial properties (office, retail shops, industrial units, hotels, storage units, leisure centers, equestrian clothing stores in Australia, cafes, restaurants etc.)

* The buyers must maintain their business hire standards. If you agree to sell your commercial property, they’ll be ready to conclude the deal as early as possible (within a few weeks).

 

* If you are in a fiscal mess and want to sell your commercial property to get immediate cash, a reputed property buying company will also help you to sell your property fast and offer you a good sum to meet your monetary needs. Moreover, reputed property buyers will sign an agreement with you, which will allow you to reside in your property as a renter for a considerable period of time.

* A proper commercial property was buying company will give you some time (generally about 28 days) to think about your plan. If you do not want to sell your house, you can back out, and company representatives will not demand money for discussion or property evaluation.

Buying/Selling a property, especially a commercial property, is indeed a challenging task! You must be aware of the conditions of the property market and the actual value of the property. Otherwise, there are chances of getting an amount that will be much less than the actual value of your property. Only reliable property buyers in Australia can save you from all these hazards and help you to sell your commercial property fast.

 

Categories: Retail Property

Genuine Reasons Why to Employ a Tradesman When Purchasing a New Investment Property

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Some of the jobs that need doing in a home could well be easily done by the owner, but others need to be carried out by a professional. It would be lovely if we all had the skill sets of the tradesmen we employ, as it would certainly save us a few dollars. However, the chances are that we don’t have all their skills, and even an electrician doesn’t have all the knowledge of a carpenter, and vice versa. As we don’t have these skills we should be careful about the household tasks we undertake, and there are very good reasons for not trying some of them. Below are some of the more pressing reasons we should rely on a tradesman:

investment property adelaide

Knowledge

We employ tradesmen because they have all the knowledge they need to do their work correctly and efficiently. A tradesman such as and emergency electrician in Adelaide will have spent years becoming qualified to practice their trade, and will have even more years of practical on the job learning. These people know how best to approach a job, and will have a huge understanding of the pitfalls they may encounter. All this knowledge is invaluable if a job is to be finished to the highest standards, and that is what we want in our own properties.

Insurance

Any bonafide tradesman will have insurance cover for himself and third parties, and this is something you should always think about. The result of bad workmanship on your part could cost you a fortune should something go badly wrong. A wrongly installed wiring circuit on a hot water service installation could be the cause of a house fire that destroys your home, and if it is down to your negligence, many insurance companies will not pay for repairs, or a potential rebuild. The same could be true of bad pluming flooding your property, or a roof collapsing because of the wrong wall being modified. The chances are that a professional will not wreck your house in this manner, but you can be confident that if something bad does happen your property will be covered.

Safety

The saying goes “safety first” unfortunately do it yourself enthusiasts often forget this. Safety is a huge issue in the building profession, and is taken seriously by most workers in it. If something goes wrong with safety when a hot water service tradesman is working on your property, it is his fault. The workers are liable for their own safety as well as everybody in the work area. You will not find a tradesman making do with a tool that could cause him injury, and he will not be leaving tools and materials lying around your property. He knows that they represent a potential hazard to you and the rest of your family. Unfortunately, people working in their own homes will often pay little regard for their own safety or that of their family.

Not all of us pay no regard for safety, and some of us have a lot of knowledge of building; however, sometimes you will need a tradesman to do the work for you. It can also become a false economy doing the work yourself as the standard will probably be lower, and the job may need to be done again; this time by a tradesman.

Categories: Tradesman

Ten actions To promoting Your home Without A Real Estate Agent

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HUD House App is compatible with Apple iphone, iPod contact and iPad and is just 1.eight MB in dimension. To get it on your gadget, you must have iOS three. or newest versions set up. What’s even more exciting is that it can be acquired for totally free. So there is no money risk involved.

Give your house the all new majestic appear. You might think it as a poor joke as you are neck dip in debt load and perturbed by the darkish patches in credit score history. Nonetheless your hopes have each right to have the sigh of relief. How? Loans will drag you out of the orbit exactly where financial burdens sound more profound than the hopes, wishes and dreams.

Now, easy calculations will tell us that price of construction is about rupees 1200 for each sq. feet (I am talking about higher high quality construction at current prices). Add land prices to that number, and you would arrive at rupees 1300-1400 per sq. ft of created land in the new places talked about above. So, how could builders of these new developments in these places sell those properties for about Rs. 2500 – 3000 when you have properties becoming offered in primary (already created) places this kind of as Faridabad, Noida, Gurgaon, Ghaziabad becoming sold for Rs. 1800 – 2000 for each square feet. No guessing here, the costs have to transfer northwards in primary locations to justify the Rs. 2500 – 3000 in new locations.

The loan company’s claim is paid out by FHA following which it transfers ownership of the property to HUD. Therefore, HUD will get the right to sell the house, which it normally does at quite affordable cost. If someone buys a home via HUD, he does not need to spend in cash, in contrast to with auction qualities. Instead, the choice of financing is current in HUD purchases. Though HUD does not finance house, it does finance home.

There is small question we are coming to the end of a huge boom market in residential properties. For the last 4 years, qualities have appreciated at unheard of rates. The query, of course, is what occurs when the marketplace cools off? Will we merely see a cost plateau or an real drop in prices? Whilst nobody is certain, the distinct consensus is home owners ought to transfer to protect fairness whilst they can. You do need to make sure that the best plumber jobs are all up to date though.

The truth of this is you don’t truly have to be concerned about this. Depending upon what side you are on, residents do not get to determine what occurs in a city, they can just complain about it. And, I can inform you tales about time after time after time where citizens produce a large stink and the city approves it in any case. Initial, you require to comprehend that there are regulations, the individuals at the city are elected, they have to abide by the laws, and you have legal rights as well as a home proprietor. When the individuals that lived about that property bought that home, (especially these that purchased it following you had a cellular house park there) there was absolutely nothing established in stone.

As the previous hot housing market in Northern Virginia has cooled down, genuine estate experts advise now may be a good time to buy a home. With the right negotiation strategies, you can get a good deal for a residential property and can even have the vendor shoulder the closing costs.

Every auctioneer will deliver you catalogue for all coming auctions at list 1 thirty day period in progress. That is time for you to do you research. Look at property; surround area to make sure it is appropriate. It is also time to have the home surveyed. Inquire you solicitor to check the title to the home and arrange mortgage for you. If you are successful purchaser you need to strategy to total the purchase with in twenty five times of the auction. The checklist of auctions you can easily discover online. You also require to be prepared to insure the property from the moment you get it.

5 Reasons Why Investing In Property In Hull Will Create Wealth

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These are the kinds of investment horror stories that make me sick to my stomach and cringe. I fail to understand how someone with no experience swimming will so willingly jump into a pond filled with crocodiles. It’s a story of broken dreams: this woman has sunk all her savings into this project, dreaming of the day her fat goose will start laying golden eggs.

The bottom line is–if you do not understand basic real estate terms like “short sale”, “wholesaling” and “wrap deal”, then you are at a serious disadvantage. Also if you don’t know how to negotiate with contractors, realtors, loan officers, sellers and even the government, then you are a statistic waiting to happen. However, I believe that the investors who make the mistakes noted above are still better than the investors who analyze and then analyze and then analyze without ever taking action. Mistakes will happen, that’s inevitable, but learn from them and that mistake becomes invaluable.

The best way to find a power team in a short period of time is find another investor or realtor who is also an investor; ask for referrals from them. If you offer to include them in on one of your future property deals, they will most likely pass on a referral of some of their power team members.

Here was her first shocker. Two of the four tenants wouldn’t pay any rent, and still haven’t since her official possession on November 1st, 2010. One of these tenants even had 3 dogs living in the small apartment. Yikes. So here she has two families paying rent and the two others zero, nada.

However, an investor is not guaranteed to get a good return by investing in real estate. Let’s look at the 2008 financial crisis. Some unfortunate investors purchased property just before the crisis hit. They probably observed the housing market and believed that prices would continue to increase. Unfortunately, most of them lost out.

If you are returning to property investing then you must take note of how lending has changed. Gone are the days of easy credit and quick closings. In order for an investor to survive in this market, they need to have a strong plan on what they will do with a property and they need to look at how they will finance their investments.

Know your numbers. Before you make your first real estate investment, you must do your homework first. For instance, if you plan on rehabbing a property, find out the house’s after repair value. Then calculate all your projected expenses and subtract the figure from the ARV to get your expected income. If the income is to your liking, then you should start the project immediately.

Three Quick Tips To Get Momentum As A Commercial Real Estate Investor

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The reality is challenging situations do happen. Your tenant moves out, the hot water system needs replacing, one of your properties won’t sell and/or interest rates go up. Do you have ready access to cash to help you through difficult times?

You should likewise get a lawyer to help you out with the legal matters. There are banking institutions that don’t comprehend instant closings. Your lawyer can smooth out certain matters to allow you to save money and time. Ask for referrals and with a little bit of study, you are able to currently find a good attorney.

That wasn’t his sole error. In addition, he had not even bothered to make a visit to his investment property before purchasing it, so he hadn’t the faintest idea it was filled with deadbeats and criminals. He had neglected to engage a team of real estate experts who would have been quick to advise him not to invest in that neighborhood, which was also filled with criminals. It was not a good neighborhood, and he should’ve known to avoid it. In fact, he could have avoided it very easily if he had just done his research.

Do not be afraid to come out a question particularly for those who are saying so much. If an agent or a certain particular person offers you something, ask the person if she or he has invested in the property that she or he is offering. If they’ve, then, it proves that the property is and shall be a great investment. But when they haven’t invested in something that they claim, pop one other question. Generally, what corporations and brokers offer will speak for themselves. Assume, if what they offer are so incredible, then why haven’t they invested on it? Until they’ve glad your questions, may as effectively turn down the offer.

However there are pitfalls that investors make all the time. These mistakes are down to a lack of experience and can be extremely costly. However they are easy to avoid if you take the right steps. The most common mistakes made by novice investors are listed below.

When you are just starting out in property investing, you don’t usually start by buying a stable home. This is not a very practical way to start your business life. Indeed, purchasing a small apartment house can be a good way to gather money. Through this, you can eventually buy your own property in a place where you want to live. Of course in buying properties, you should be careful enough and plan well before making a move. You don’t have to make a direct property investment. There are many property syndicates which can take advantage once you make a careless decision.

Since most real estate investors operate alone, the opportunity to interact with other investors is not common. A property investment club presents this opportunity where you meet like minded people that share your dream.

A second benefit is that of rental property tax deductions. Owning real estate investments as a business venture allows you to treat many items as business expenses. Shifting some of your expenses for your cell phone, Internet service, auto and even your home is possible with a real estate business. Depreciation “expense” usually allows you to show a “loss” of value when in fact your property may be increasing in value. When you sell, capital gains taxes are often at a lower rate than comparable wage income. Overall, the tax benefits of owning real estate may allow you to live a better lifestyle while showing a lower income.

Investing In Bankruptcy

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Failing to research the title on the property. This is a very common mistake made by investors rushing to buy. The title history shows you who actually owns the property in addition to how much money owing is outstanding and the priority of any mortgages taken against the property. Tax Lien has top priority, First Mortgage is next, Second Mortgage is after that on so on. Make sure you do your due diligence in this area prior to bidding on any foreclosure auction property.

The bottom line is–if you do not understand basic real estate terms like “short sale”, “wholesaling” and “wrap deal”, then you are at a serious disadvantage. Also if you don’t know how to negotiate with contractors, realtors, loan officers, sellers and even the government, then you are a statistic waiting to happen. However, I believe that the investors who make the mistakes noted above are still better than the investors who analyze and then analyze and then analyze without ever taking action. Mistakes will happen, that’s inevitable, but learn from them and that mistake becomes invaluable.

Avoid attending the tax sale. Too many bidders means not enough good deals. You also have to buy houses for back tax sign unseen, if you buy at tax sale. This is far too risky for anyone – let alone a beginner.

A second benefit is that of rental property tax deductions. Owning real estate investments as a business venture allows you to treat many items as business expenses. Shifting some of your expenses for your cell phone, Internet service, auto and even your home is possible with a real estate business. Depreciation “expense” usually allows you to show a “loss” of value when in fact your property may be increasing in value. When you sell, capital gains taxes are often at a lower rate than comparable wage income. Overall, the tax benefits of owning real estate may allow you to live a better lifestyle while showing a lower income.

McElroy says the best approach is to be aloof, to assume every negotiation will end with the buyer leaving the table. Most deals simply are not deals, McElroy said. The savvy investor knows that it is dangerous to become committed to the idea of closing the deal.

When you’re out property investing, here are some common questions a real estate agent will ask: “Hello Mr. and Mrs. Buyer, are you buying, selling or looking?” And if they say, “Oh, we’re just looking.” The agent will ask, “How many properties have you looked at so far?” The buyers may respond that they’ve looked at a couple of properties. The agent will ask if they made an offer on any of the properties they’ve looked at. If the buyers answer no, the agent will inquire why not? This line of questioning just rolls off the agent’s tongue. The buyers get bamboozled. They don’t even know that they’re being qualified. And if the agent decides the buyer is too difficult, they will put them into the “too hard basket”.

One investor I read about in the past stated that he got his real estate power team by running an ad in a local newspaper advertising a property for sale. As he received telephone calls, he told the callers that the house advertised was sold. Then he asked each of them if they were home investors.

Categories: Property Investing Tags: Tags: ,

Investment Property – Leveraging Rental Property Equity

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HUD acquires a property (usually a 1 to 4 unit residential property) as a result of a foreclosure action on an FHA-insured mortgage. Thus, the property is put on sale by HUD (as it becomes its new owner) to recover the loss on the foreclosure claim.

One woman organized an email promotion, asking others who live nearby who were interested in checking out the visitor’s situation to reduce their property or home taxation. They went to the Nation Panel of equalization and presented their situation. The selected board members said that they were stunned that there were not more individuals there to present their situation. The Homeowners who become a huge hit got between 4 and 12 %25 decrease in their tax bills.

It is hard work. However, it does pay well. With the proper equipment, working in a typical residential neighborhood, you can earn as much as 0-500 per day! Of course, that estimate isn’t while using a 21 inch lawnmower.

Noida from being just yet another city in Uttar Pradesh has become an important destination for companies as well as people who want to lead a quality life. People who felt cramped in Delhi moved to Noida and soon Noida was the hottest spot for residential property at a much cheaper price than Delhi but a better life. Noida property market started to look up with various companies also moving in to open offices due to lack of space and high property rates in Delhi.

Bangalore is a city where people lead a world class lifestyle with Indian values and standards. The developing housing projects in Bangalore are proudly welcoming you to be a Bangalorian.

Everyone wanted in on the property bandwagon – even those who couldn’t afford it, with the help of NINJA loans – no income, no job, and no assets required. Wall Street banks made an absolute killing, packaging up these loans and selling them to each other.

If you happen to were to sell your properties right now at Denver homes for sale, you’ll in all probability find yourself in massive trouble. Oh effectively, that’s simply a hyperbole. But the truth is you will have to make use of more effort to have the ability to turn up your homes sell. If it occurred that your property have been available in the market for fairly a while, its value may actually be hurt. So you haven’t any selection; its either you set it up to for lease or perhaps you strategize.

Commercial Property Management Services

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Keep in mind that most states do not require commercial mortgage brokers to be licensed. So it is up to you to determine whether a broker is right for you and if they are worth the money you will be paying. Ask questions and check references to ensure that they know what they are doing. There are a lot of great options and equally costly mistakes that can be made in the commercial finance industry. A good commercial mortgage broker will make sure you don’t make a mistake that will cost you thousands of dollars or more. Remember, the best interest rate is not always the best loan.

But after a battering is property likely to return? Firstly we need to understand what property means. You have residential property, commercial property and property shares. Residential property will be under stress for at least another two years before I will buy the fixed asset itself, but over the next year there will be lots of opportunity for the canny investor to make money by buying close to the low. Don’t expect a quick bounce on the capital value though – it’s a long cycle.

If your own Financial Statement is weak, you may consider getting a strong partner for the deal. This person is sometimes called a “sponsor”. You then get to add your sponsor’s financials to the package.

When you and your Property Manager are doing the walk through and Lease Audit, make sure you review the Tenant Screening Procedures on each and every Tenant. If the Seller hasn’t screened tenants adequately – you may notice that they have literally stacked the property with felons… the jig is up. Since you will be doing your Lease Audit in the early portion of Due Diligence you will be able to get out of the Contract and get your Earnest Money back.

The first thing that you have to do is gauge your present financial situation. This means weighing your monthly expenses, income and savings. In addition, try and figure out how much money you will need to lead a good standard of life after retiring. This will allow you see how much you need to save in order to have that standard of living.

Another key point is to make sure you add in your resume. This is your opportunity to sell yourself. If you’ve done any real estate deals in the past, talk about them here. If you have not experience in real estate, then it’s appropriate to describe what training or other relevant activities you’ve been involved in. Remember that everyone started out at some point, so any lack resume items is not only temporary on your part, but it’s natural. You’re not the focus here, the property -THE DEAL – is the focus.

However, doors and locks on fences can cost more to set up and install. This is especially the case if you plan on getting something that can only be handled with a key or an electronic code system.

If you have copies of the old Phase I and Phase II Environmental reports, include them as well. They will not be current, but could nonetheless help the lender in knowing when the property was last judged to be free from hazards.