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Are you looking to buy or sell a home or other piece of property? The real estate market is a difficult one, and should not be entered casually. With the right information, you can make your venture a success, but all to often lack
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Real Estate Basics
To begin with the basics, let’s consider a few definitions. “Real Property” is legally defined as “land and improvements permanently attached to the land.” Improvements include everything from houses and garages to in-ground
swimming pools, but exclude portable items like mobile homes and tool sheds. Also included in real property are substances beneath the land, such as gas, minerals and oil.

There are many types of real estate, but most consumers will encounter only two: single-family homes and commercial property. Commercial property may include spaces used for retail, office, shopping, hotels, warehouses,
manufacturing facilities, apartment complexes, as well as vacant land zoned to be used for any of those purposes. Aside from specialty properties like farms and industrial sites, almost any property to be used for anything besides a
single-family homes is considered commercial.
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Different rules govern transactions involving each kind of property, and it’s important to know what you will encounter before you get started. The use of any property is limited by zoning laws, which govern the purpose – for
example, housing, retail, or industrial – for which the real estate can be used. Zoning laws also restrict the size and height of buildings, the portion of property that may be used for parking, how far buildings must be set from the
street and from each other, and whether and what kind of hazardous materials can be stored there. Public easement and right of way laws, which fall into the general category of zoning, outline whether and which parts of private
property must be reserved for public use, usually in the form of sidewalks, electrical lines, sewer pipes, fire hydrants and similar public goods. Laws differ from town to town, so if you are looking at multiple locations, keep track of
how each municipality’s rules will affect how you can use your property.

Choosing a Real Estate Professional----- CALL: 786-709-6577
Although some people prefer to work on their own, it is usually good to hire a licensed real estate professional if you are looking to buy or sell a house. You may choose between a real estate broker, who is independently licensed
to review the entire market and show any house that suits your needs, and a real estate agent who works for a specific company and is usually restricted to showing properties in that company’s listings. Which one you choose will
depend on your needs, budget, and the number of real estate companies competing in your area. If there are a large number of companies, you may do better with a broker, but if there are only a few, you can save money by
using an agent.
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No matter what type of professional you choose, there are a few things you should consider before making your decision. How does the agent or broker intend to market your house? How successful has he been in the past,
particularly with homes in your range and area? If he is an agent, what is his company’s track record? What is the time limit on the contract you will sign, and can you break it if you’re dissatisfied? Do you feel comfortable that he
understands your needs and will work hard to meet them? Recall that, above all, real estate agents are salespeople, so be sure that you are confident that they are working with you as well as for their employers. A great way to
narrow down choices is to check the Internet for websites that compare companies and agents in your area. You may also want to talk with friends who have recently moved about their experiences with local agents and brokers.

Buying and Selling: What You Need to Know------ CALL:  786-709-6577
When you are in the market to buy, your individual situation will determine whether or not to hire a professional. You may find that you can do well enough finding suitable listings without the help of an agent. However, if you live
in a city where good housing is scarce, you may want to engage someone to help you discern the good from the bad. Real estate agents can also be very helpful when it’s time to close the deal, sorting out what items are
included with the house (for example, appliances and furnishings) and working with the seller to divide costs fairly.

Although it is possible to sell your home without professional help, but this should be attempted with great caution. A real estate professional will help sort through potential buyers to find people who are serious, work with to get a
fair price for your property, and be indispensable at closing time when it comes to dividing up property taxes and other shared costs. In general, as a seller, you should expect to run up against a number of expenses when you
close on your house. These may include excise tax (a tax levied on the seller of any property or item), attorney and professional fees, property taxes, real estate commission, and fees for survey, inspection, certification and other
items, depending on the laws of the state in which the house is sold.

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If you are looking to buy or sell commercial property, your best bet is to engage a real estate attorney who can advise you on legal matters involving the transfer. As with home purchases, it’s important to have the property
inspected thoroughly before committing to buy. You will also want to ensure that zoning laws permit you to renovated buildings to suit your needs – for example, buildings that are zoned as small retail outlets may not always be
turned into restaurants; warehouses may not necessarily be converted to apartment complexes. Real estate lawyers will make sure that you know as much as possible about your property before you buy.

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Tax Advantages -
Your rental income may be tax free if you do not receive net cash flow after expenses are deducted. This means that your mortgage is being paid down and you own more of the total value of the property (rather than just controlling
it), but you do not pay taxes on the money that is doing this for you. In addition to this, you can also pull out tax-free money by refinancing your loan if the property appreciates and the interest rates have fallen. Lastly, you may be
able to avoid paying taxes on the sale of a rental property if you sell it and reinvest the money in another property (called switching or tax-free exchange).  

Disadvantages of Rental Real Estate
For every upside, there is a downside, and rental real estate is no different. Rental real estate may expose you to the following:

Liability - What happens if a stair breaks under your tenant's feet? With the increase in frivolous lawsuits and the unquantifiable nature of "emotional distress", liability can be a scary thing. Providing someone with shelter in return for
money puts you and the tenant in a relationship where both parties bear responsibility. You have to be certain that the property you are renting out meets all government codes.

Unexpected Expenses - What do you do when you pull up the basement carpet and find a crack that opens onto the abyss? It is impossible to prepare for every expense related to owning rental property, so there are bound to be some
unexpected ones. Things such as boilers, plumbing and fixtures often need to be replaced and are not prohibitively expensive. However, faulty wiring, bad foundations, compromised roofing and the like can be very expensive to
repair. If you can't find a way to pay for repairs, you will be left without a tenant and with the grim prospect of selling the property at a significant discount. Also, as building codes evolve over time, lead paint, asbestos, cedar roofing
tiles and other materials that passed inspection in the past may be reevaluated to your disadvantage.

Bad Tenants - No one wants to have to use a collection agency to collect overdue rent. Unfortunately, almost every landlord has a story that involves police cars escorting his or her tenant out of the property - erasing all hopes of
getting the five months' worth of overdue rent. Bad tenants can also increase your unexpected expenses and even hit you with a lawsuit.

Vacancy - No money coming in means that you have to make the payments out of your own pocket. If you have an emergency fund for the rental property, you will be able to survive long vacancies with little trouble. If you don't have
one, you may find yourself scrambling to pay the rent to the harshest landlord of all - the bank.
Tips
Minimizing the disadvantages of owning real estate is actually quite simple. While you won't be able to eliminate the pitfalls completely, following these guidelines will take the teeth out of their bite.

Keep Your Expectations Reasonable - Have the goal of positive cash flow, but don't expect to be purchasing a new yacht at year's end. If you keep your expectations in check, you won't be tempted to jack up the rent and push out
good tenants.

Find a Balance between Earnings and Effort - Are you "hands on", or should you work with a property management firm? Current income doesn't seem so great if you are putting in another full-time shift working on your rental
property. There are property management firms that will run your rental property for a percentage of the rental income.

Know the Rules - Federal and state laws outline your responsibilities and liabilities, so you can't claim ignorance when something happens. You will have to do some reading; nevertheless, it is better to spend 20 hours in the library
than in the courtroom.

Have the Property Inspected - One of the best ways to avoid unexpected expenses is to have the property inspected by a professional before you buy it.

Make Sure Your Leases Are Legal - If you make a mistake on the lease, you will find it more difficult to litigate if a tenant violates the terms.

Take the Time To Call References and Run Credit Checks - Too many landlords rush to fill a vacancy rather than taking the time to make sure the prospective tenant is a better option than an empty property. If you have time, you
may want to drive by a prospective tenant's current living space - that is what your property will probably look like when that tenant lives there.
Join the Landlords' Association in Your Area - Joining an association will provide you with a wealth of experience as well as sample leases, copies of laws and regulations, and lists of decent lawyers, contractors and inspectors. Some
associations may even allow you to join before you buy a rental property.

Make Friends with a Lawyer, a Tax Professional and a Banker - If you find that you like owning rental properties, a network including these three professionals will be essential if you want to increase your holdings.


Make Sure You Have the Right Kind of Insurance - After learning the rules, you will need to buy insurance to cover your liability. You will need the help of an insurance professional to select the proper package for your type of rental
property.

Create an Emergency Fund - This is essentially money earmarked for unexpected expenses that are not covered by insurance. There is no set amount for an emergency fund, some say 20% of the value of the property, but anything is
better than nothing. If you are getting current income from a property, you can pool that money into an emergency fund.

Conclusion
Investing in a rental property can be an excellent decision if you go into it informed. Consider these words from Donald Trump: "It's tangible. It's solid. It's beautiful. It's artistic … I just love real estate."

Tips For The Prospective LandlordS AND INVESTORS

Investing in rental real estate looks like a great idea on paper. You just buy a place in a nice area, find tenants and let the cash roll in. However, there are some matters you have to consider before buying a property and
putting a "for rent" ad in the newspaper. Here we provide a rundown of the pros and cons of owning rental property and give you a few tips on how to turn a profit as a landlord.


Advantages of Rental Real Estate
The advantages of rental real estate are quite substantial. One that is not listed below is the fact that when you own rental real estate, you own a tangible asset. You can paint it when you're happy with it and throw rocks at it
when you're not. Shares of Enron, by contrast, are much harder to hit with a stone. (To learn more, see Diversification Beyond Equities.)

Many people who feel uncomfortable investing in financial instruments have no qualms about investing in real estate. This is a psychological distinction, as a bad stock and a bad rental property are equally capable of losing
money, forcing you to sell for a loss. That said, here are the advantages that show up on paper:

Current Income - This refers to the rent money that is left over after the mortgage and related expenses have been paid. Current income is basically monthly cash that you did not have to work for - your property produces it for
you.

Appreciation - This is the increase in value that properties generally experience as time passes. Appreciation is not guaranteed. However, if you own a property in a stable area (cities), the property will likely increase in value
over the years. Even properties in sparsely populated and less desirable areas may appreciate due to general inflation. (For more on this, see the Inflation Tutorial.)

Leverage - Rental properties can be purchased with borrowed funds. This means that you can purchase a rental property by putting down only a percentage of the total value. Essentially, you can control the whole property and
the equity it holds while only paying a fraction of its total cost. Also, the property you purchase secures the debt rather than your other assets. You may lose the rental property, but you shouldn't lose your own home.
REAL ESTATE INVESTMENT

Investing In Real Estate

Buying real estate is about more than just finding a place to call home. Investing in real estate has become increasingly popular over the last fifty years and has become a common investment vehicle. Although the real estate
market has plenty of opportunities for making big gains, buying and owning real estate is a lot more complicated than investing in stocks and bonds. In this article, we'll go beyond buying a home and introduce you to real estate as
an investment.


Basic Rental Properties
This is an investment as old as the practice of landownership. A person will buy a property and rent it out to a tenant. The owner, the landlord, is responsible for paying the mortgage, taxes and costs of maintaining the property.
Ideally, the landlord charges enough rent to cover all of the aforementioned costs. A landlord may also charge more in order to produce a monthly profit, but the most common strategy is to be patient and only charge enough rent to
cover expenses until the mortgage has been paid, at which time the majority of the rent becomes profit. Furthermore, the property may also have appreciated in value over the course of the mortgage (according to the U.S. Census
Bureau, real estate has consistently increased in value since 1940), leaving the landlord with a more valuable asset.
There are, of course, blemishes on the face of what seems like an ideal investment. You can end up with a bad tenant who damages the property or, worse still, end up having no tenant at all. This leaves you with a negative monthly
cash flow, meaning that you might have to scramble to cover your mortgage payments. There is also the matter of finding the right property - you will want to pick an area where vacancy rates are low (due to demand) and choose a
place that people will want to rent.

Perhaps the biggest difference between a rental property and other investments is the amount time and work you have to devote to maintaining your investment. When you buy a stock, it simply sits in your brokerage account and
(hopefully) increases in value. If you invest in a rental property, there are many responsibilities that come along with being a landlord. When the furnace stops working in the middle of the night, it's you who gets the phone call. If you
don't mind handyman work, this may not bother you; otherwise, a professional property manager would be glad to take the problem off your hands - for a price, of course.

Real Estate Investment Groups
Real estate investment groups are sort of like small mutual funds for rental properties. If you want to own a rental property, but don't want the hassle of being a landlord, a real estate investment group may be the solution for you. A
company will buy or build a set of apartment blocks or condos and then allow investors to buy them through the company (thus joining the group). A single investor can own one or multiple units (self-contained living space), but the
company operating the investment group collectively manages all the units - taking care of maintenance, advertising vacant units and interviewing tenants. In exchange for this management, the company takes a percentage of the
monthly rent.

There are several versions of investment groups, but in the standard version, the lease is in the investor's name and all of the units pool a portion of the rent to guard against occasional vacancies, meaning that you will receive
enough to pay the mortgage even if your unit is empty. The quality of an investment group depends entirely on the company offering it. In theory, it is a safe way to get into real estate investment, but groups are vulnerable to the
same fees that haunt the mutual fund industry. Once again, research is the key.

Real Estate Trading
This is the wild side of real estate investment. Like the day traders who are leagues away from a buy-and-hold investor, the real estate traders are an entirely different breed from the buy-and-rent landlords. Real estate traders buy
properties with the intention of holding them for a short period of time (often no more than three to four months), whereupon they hope to sell them for a profit. This technique is also called flipping properties and is based on buying
properties that are either significantly undervalued or are in a very hot market.

Pure property flippers will not put any money into a house for improvements - the investment has to have the intrinsic value to turn a profit without alteration or they won't consider it. Flipping in this manner is a short-term cash
investment. If a property flipper gets caught in a situation where he or she can't unload a property, it can be devastating because these investors generally don't keep enough ready cash to pay the mortgage on a property for the long
term. This can lead to continued losses for a real estate trader who is unable to offload the property in a bad market.

A second class of property flipper also exists. These investors make their money by buying reasonably priced properties and adding value by renovating them. This can be a longer-term investment depending on the extent of the
improvements. The limiting feature of this investment is that it is time intensive and often only allows investors to take on one property at a time.

REITs
Real estate has been around since our cave-dwelling ancestors started chasing strangers out of their space, so it's not surprising that Wall Street has found a way to turn real estate into a publicly-traded instrument. A real estate
investment trust (REIT) is created when a corporation (or trust) uses investors' money to purchase and operate income properties. REITs are bought and sold on the major exchanges just like any other stock. A corporation must pay out
90% of its taxable profits in the form of dividends to keep its status as an REIT. By doing this, REITs avoid paying corporate income tax, whereas a regular company would be taxed its profits and then have to decide whether or not to
distribute its after-tax profits as dividends.

Much like regular dividend-paying stocks, REITs are a solid investment for stock market investors that want regular income. In comparison to the aforementioned types of real estate investment, REITs allow investors into non-
residential investments (malls, office buildings, etc.) and are highly liquid - in other words, you won't need a realtor to help you cash out your investment.

Leverage
With the exception of REITs, investing in real estate gives an investor one tool that is not available to stock market investors: leverage. If you want to buy a stock, you have to pay the full value of the stock at the time you place the
buy order. Even if you are buying on margin, the amount you can borrow is still much less than with real estate. Most "conventional" mortgages require 25% down. However, depending on where you live, there are many types of
mortgages that require as little as 5%. This means that you can control the whole property and the equity it holds by only paying a fraction of the total value. Of course, your mortgage will eventually pay the total value of the house
at the time you purchased it, but you control it the minute the papers are signed.

This is what emboldens real estate flippers and landlords alike. They can take out a second mortgage on their homes and put down payments on two or three other properties. Whether they rent these out so that tenants pay the
mortgage or they wait for an opportunity to sell for a profit, they control these assets despite having only paid for a small part of the total value.  

Conclusion
We have looked at several types of real estate investment. However, as you might have guessed, we have only scratched the surface. Within these examples there are countless variations of real estate investments. As with any
investment, there is much potential with real estate, but this does not mean that it is an assured gain. As with any investment, make careful choices and weigh out the costs and benefits of your actions before diving in.
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Whether you're just getting started in buying or selling real estate, or you're an experienced investor, you've come to the right place. We've got information on
financing, buying, selling, and what to do once you're an owner. Contact us…
-- SOUTH FLORIDA REAL ESTATE INVESTMENTS. ---
FIVE IMPORTANT THINGS EVERY REAL ESTATE INVESTOR SHOULD KNOW ABOUT?... ATTENTION, ATTENTION HOME-
BUYERS AND SELLERS...


---
REAL ESTATE INVESTMENTS: WHY INVESTING IN REAL ESTATE TODAY IS A GOOD IDEA FOR FIRST TIME HOME-BUYERS
AND FOR EVERYONE?

---...
Federal Housing Administration {FHA} Mortgage Loan Programs Information Center. Help for America's Homeowners!
How to make your home affordable?

--- ...REAL ESTATE ADVANTAGE AND GREAT OPPORTUNITY FOR FIRST TIME HOME-BUYERS IN SOUTH FLORIDA! ———
--
FIRST TIME HOME-BUYERS. METHODS, TECHNIQUES, AND STRATEGIES TO SUCCEED -- THE MOST IMPORTANT
INFORMATION FOR FIRST TIME BUYERS...

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INVESTMENT GENERAL KNOWLEDGE AND FINANCING STRATEGY...
INVEST NOW AND GET RICHER LATER. INVEST YOUR MONEY TODAY AND GET RICHER TOMORROW

---
REAL ESTATE FINANCING:  WHERE AND HOW TO FIND MONEY TO INVEST IN REAL ESTATE?
Bringing the Dream of Home-ownership Within Reach... THE DREAM NOW CAN BECOME A REALITY.

--- SOUTH FLORIDA REAL ESTATE INVESTMENTS. ---
FIVE IMPORTANT THINGS EVERY REAL ESTATE INVESTOR SHOULD KNOW ABOUT?... ATTENTION, ATTENTION HOME-
BUYERS AND SELLERS...

--- NSP --- Neighborhood Stabilization Program
Neighborhood Stabilization Program: HUD's new Neighborhood Stabilization Program provides emergency assistance to
state and local governments to...

---...  
HOME-BUYER'S TAX CREDIT, ASSISTANCE WITH DOWN-PAYMENT AND CLOSING COST.  {FLHOP} FLORIDA HOUSING
OPPORTUNITY PROGRAM. Utilizing home buyer tax credit to assist at closing
HOME SELLING:  We have  buyers
interested  in buying  multi-family
& commercial properties in
Miami Dade county,  Broward,
Palm Beach, Fort Myers and Port
St Lucie area.
We are looking for sellers.
Call us for free consultation and
valuation of your property.    
786-709-6577
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We are real estate marketing
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I have committed to provide you
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SALE IT:
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CENTERS, APARTMENT
BUILDINGS, HOTELS, HOUSES,
CONDOS,
TOWN-HOMES, BUSINESSES.
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Departments for all 50
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REQUEST INSURANCE
INFORMATION, PLACE A
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AN INSURANCE
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FIND QUALIFIED AGENTS,
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Free Insurance
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Insurance, and Life.
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Business Registration:
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Registration..  State
Licenses and Permits .
Steps to Registering a
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INSURANCE 101:  
EVERYTHING YOU NEED
TO KNOW ABOUT
INSURANCE. NOW IS
YOUR CHANCE TO KNOW
HOW WIN THE
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HOW TO SAVE MONEY ON
YOUR INSURANC, And
How to Understand Your
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..State Insurance Departments for
all 50 States..

REQUEST INSURANCE
INFORMATION, PLACE A
COMPLAINT, CHECK ON AN
INSURANCE COMPANY, CHECK
INSURANCE LICENSES, FIND
QUALIFIED AGENTS, FIND LOCATION
ETC. --

Free Insurance Quotes: Auto,
Business, Health,
Long-Term-care Insurance,
and Life.
Shop For Insurance and
Compare Insurance Quotes.


Business Registration:
State Business Entity Registration..  
State Licenses and Permits . Steps
to Registering a Business.

INSURANCE 101:  EVERYTHING YOU
NEED TO KNOW ABOUT INSURANCE.
NOW IS YOUR CHANCE TO KNOW
HOW WIN THE INSURANCE GAME...

HOW TO SAVE MONEY ON YOUR
INSURANC, And How to Understand
Your Insurance Contract?
FREE SERVICE:
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Program For
home-Buyers & sellers.

FREE MONEY, EARN CASH
BACK BONUS.

BUYERS AND SELLERS
YOU CAN PUT MONEY
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LEARN MORE...
--------------------------------

FREE Government Grants
Money:  How to Apply for
Grant Money?
Who Qualifies For Grants?
FREE SERVICE: FREE HOME
VALUE REPORT, { CMA,  
HOME APPRAISAL}..

HOMEOWNERS, HOME
SELLERS;  WHAT IS THE
VALUE OF YOUR HOME?

LEARN MORE
..

HOME-BUYERS,  BEFORE
BUYING IT, YOU MUST KNOW
HOW MUCH IT REALLY
WORTHS.

WHAT'S THE EXACT OR
APPROXIMATE MARKET
VALUE OF IT?
LEARN MORE!
FREE SERVICE:
CLERK OF THE  AND COUNTY
COURTS. Search for:  
Mortgage Foreclosure
Sales, Traffic Online
Service, Buy Tax Deed
Sales,  Public Records
Search, Documents
SEARCHES, Buy Tax Liens
Certificates, Marriage
License Application &
Wedding... ETC.    FREE,
FREE, FREE!  LEARN MORE!

Make a professional license,
renew a license, check on a
license, register a business
in the State of Florida...   
FREE ACCESS CLICK HERE!
..Life Insurance Advantages, Benefits, & Features While Alive and After
Death...
Learn More Here!

..
Insurance General Information: Ways to Make Money & Save Money on
Your Insurance. Learn More...

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Term Insurance Advantages, Term Insurance General Knowledge. Buy the
Term, and invest the difference.
Learn More...

.
.Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or
Check How Much You Can Pay For a Life Insurance...

..
Investment Products: Investing & Money Management Basics.  FINANCIAL  
SOLUTIONS, TOOLS & RESOURCES.  
LEARN MORE...

Insurance Products:  How to make profits with the insurance companies?
Learn More...