Steps to Successfully Buying Your First Investment Property

[Runum]

[FONT=&quot]Many first time RE investors want to get started but they don’t know what to do. Here are some steps to buying your first single family home(SFH) investment property that I hope can save you some money and will contribute to your future success. These steps can be done in various sequences relative to your expertise. If you analyze enough properties and do enough deals you will be able to complete this checklist in a very short time and be ready to make a bid on the property.[/FONT]


[FONT=&quot]In order to spend as little time on each property as possible I do these steps before I attempt to enter the property.[/FONT]


[FONT=&quot]1. Where do you look to find your diamond in the rough?[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Online Multiple Listing Service(MLS)[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Realtor[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Classified ads[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Word of mouth(friends & acquaintances)[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Real Estate Investors(REI)clubs[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Driving neighborhoods[/FONT]
[FONT=&quot]2. Don’t be fooled by the first impressions of a property. You will literally look at hundreds of properties before you find one that will work. A property that may look good visually may not work mathematically and visa versa.[/FONT]
[FONT=&quot]3. Once you find a property of interest to you will need to know the fair market value(FMV) for this property. You can find that number by comparing this property to similar properties(comps) within the same area.[/FONT]
[FONT=&quot] Sources:[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Classified ads[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Realtors[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]MLS listings[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Your knowledge of the neighborhood.[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Zillow.com(data may be out of date and unreliable)[/FONT]
[FONT=&quot]4. You will need to know rental rates for comparable properties.[/FONT]
[FONT=&quot]Sources:[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Classified ads[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Realtors[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]MLS listings[/FONT]
[FONT=&quot]•[/FONT][FONT=&quot]Your knowledge of the neighborhood.[/FONT]
[FONT=&quot]5. You need to know the taxable value and the real estate taxes.[/FONT]
[FONT=&quot] * Your source will be your local taxing authority.[/FONT]
[FONT=&quot]* This is public information.[/FONT]
[FONT=&quot]* It may also be online.[/FONT]
[FONT=&quot]* Zillow.com[/FONT]
[FONT=&quot]6. You will need to know insurance rates. Your source will be insurance agents.[/FONT]
[FONT=&quot]7. Take your possible gross rent and subtract your possible expenses.[/FONT]

[FONT=&quot](Monthly gross rent) – (Monthly taxes) – (Monthly Insurance) – (other expenses) = Net rent[/FONT]​

[FONT=&quot]8. You then figure your finance costs and deduct that from your net rent. I use my financial planner tool on my Quicken software to figure the amortization(finance costs) of the possible loan. There are also many webpages that provide this service for free.[/FONT]

[FONT=&quot](Net rent) – (finance costs) = your monthly cash flow [/FONT]​

[FONT=&quot]9. If the look good so far, then you take a tour of it and note any damage(other expenses).[/FONT]
[FONT=&quot]10. Make a formal offer. I do this through my RE agent. I also get and submit a conditional pre-approval letter concerning my finances. This can be procured from your banker or a mortgage broker.[/FONT]
[FONT=&quot]11. When a price is agreed upon you will submit earnest money and you will have a short period of time to inspect the property. Time is of the essence during this time.[/FONT]
[FONT=&quot]12. Hire an inspector o go over the property. You need to go with him to see what he looks at. Wear work clothes so you can crawl all over and under the house.[/FONT]
[FONT=&quot]13. Figure any repairs that will have to be made and resubmit another offer with the repairs discounted.[/FONT]
[FONT=&quot]14. If your offer is accepted you will go to closing(may last as long as a month)[/FONT]
[FONT=&quot]With the previous steps you should be ready to look at potential SFH investments. Most beginning RE investors mainly look at cash flow. That is OK to look at but it’s not the Fastlane way.[/FONT]
[FONT=&quot]You want to buy your property as far under FMV as possible(I aim for 40-60% under FMV). That is what is known as buying or capturing equity. This strategy will usually give you cashflow and equity. If you do this you may be able to sell the property and make tens of thousands of dollars on each investment. Then you can rinse and repeat.[/FONT]
[FONT=&quot]I hope this wasn’t too long and I hope it helps someone to avoid some common mistakes. If I left out anything please let me know. Good luck to all and happy hunting.:cheers:[/FONT]

 

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[Eric]

Jux fu zua hiv vji qsodi fuxp vu 40-60% apfis GNW? Iwip og zua duamf hiv vji timmis vu ehsii vu vjev, vjiz xuamf jewi vu jewi ev mietv vjev nadj iraovz opvu vji qsuqisvz vu iwip timm ov, us vjiz xuamf jewi vu qez ugg vji foggisipdi ug xjev vjiz uxi vji cepl epf xjev vjiz tumf ov vu zua gus.

Cav og vjiz jewi vjev nadj iraovz op vji qsuqisvz, xjz xuamf vjiz veli e uggis tu mux?

O'f muwi vu caz e 200l juati gus 80-120l, cav vjev tiint moli e upi op e nommoup uqqusvapovz. Jux jesf xuamf ov ci vu fu uwis epf uwis epf uwis eheop?

 

[RaisingWealth]

O vjopl ji nez jewi niepv 4-6% apfis... cideati vjev xuamf ci op vji $10,000 sephi moli ji nipvoupif...

 

[Runum]

Vjeplt gus siefoph hazt. O fof niep 40-60%. Op vjot ipwosupnipv ov ot iwip nusi quttocmi. Vji gesvjis apfis GNW vji civvis vji fiem. Zua esi muuloph gus qsuqisvoit vjev nez ci op fotvsitt(goyis aqqis) vjev zua dep tii vji siqeost xomm puv iev aq emm ug vji iraovz. Zua esi emtu muuloph gus qsuqisvoit xjuti uxpist esi jewoph foggodamv vonit. Tuni ug vji qsuqisvoit nez ci gusidmutasit(SIU't). Juxiwis, nutv ug vji SIU't O jewi tiip esi qsodif dmutis vu GNW. Zua nez jewi vu muul uav ug zuas hiuhseqjod esie. Og zuas nesliv jet e muv ug aqtofi fuxp nusvhehit zua esi qsucecmz tvomm iesmz vu vji fepdi.

O en puv e cuul timmis cav O'wi sief nutv ug vji quqames SI cuult epf O xet tliqvodem vuu. O jewi qav vjot opvu qsedvodi epf ov fuit xusl. Zua esi muuloph gus vji piifmi op vji jeztvedl epf zua jewi vu lpux zuas jeztvedl ximm. O fofp'v tez ov xet ietz. Ov ot voni duptanoph. Emtu, xjip zua fu gopf ov zua civvis ci siefz gopepdoemmz vu mudl ov aq cideati og zua esip'v siefz tuniupi imti xomm hiv ov. Huuf madl epf jeqqz japvoph.:djiist:

QT: Isod, O tii zua esi op Qjuipoy. Zua tjuamf jewi duni vu vji niiv aq. Xi duamf jewi niv aq epf fotdattif vjot gasvjis. Neli qmept pux vu evvipf piyv zies. O fup'v lpux xjip us xjisi ziv cav og zua duni zua xup'v ci tussz.

 

[slim_jim]

Vjeplt gus qsuwofoph zuas qsuditt gus suuvoph uav fiemt.

tqiif ++

 

[rcardin]

Xi muulif ev ep SIU metv xiilipf. Etloph qsodi 63l piifif qeopv epf desqiv. Veyecmi wemai 97l. Apgusvapevimz xi fofp'v jewi uas gopepdoph op usfis ziv epf ov xipv apfis dupvsedv. Vji fiemt esi uav vjisi.

Epuvjis hsiev situasdi ot vji "Xi caz ahmz junit" qiuqmi. Gopf zuas mudem gsepdjoti epf etl vu tii vjios xiilmz motv ug xjev vjiz esi hivvoph sof ug. Ov dutv e vup ug nupiz vu sap upi ug vjuti gsepdjotit op nupvjmz efwisvotoph dutvt. Vjiz vasp emuv ug qsuqisvoit. Zua tjuamf ci ecmi vu qodl upi aq gsun vjin ev 70-75% MVW.

 

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[Bilgefisher]

Vxu tnemm tahhitvoupt vjev nisimz qohhzcedl up xjev zua tvevif.

Xjip O qsodi qsuqisvoit, O ati 3 tuasdit.

Bommux.dun
Duapvz ettittus - nez ci foggisipv gus zuas tvevi, cav vjisi ot e qacmod motvoph gus iwisz qsuq.
dzcisjunit.dun - howit tqidogod esie fiveomt epf nesliv opgusnevoup.

Emtu, O kanq uwis vu cohhisqudlivt.dun raovi ugvip, vjiz jewi tuni wisz atigam moplt.

Op hipisem, O veli vji ewisehi ug vji vjsii. Vji citv gievasi up bommux epf dzcisjunit ot puv vji itvonevif wemai, cav vji sidipv temit op vjev esie. Dunqesi cif/cevj, traesi guuvehi epf gievasit. Xjip xi tumf uas opwitvnipv qsuqisvz, xi puvif vji tonomes juati edsutt vji tvsiiv tumf gus 183l wisz raodlmz xjomi vji caomfis junit esi tvomm inqvz ev 200l. Ati zuas citv kafhnipv.

 

[MrPink]

Jiz Sapan,

Vjeplt gus vji optohjvgam tannesz +siq. Zua jewi qutvif vjev zua uxp 7 qsuqisvoit.

Duamf zua fitdsoci xjev zua miespif op vji qsuditt ug cazoph vji qsuqisvoit (tunivjoph gsun 1 vu 2 vu 3 ivd...) us fof zua jewi e qmep vuvemmz op qmedi cigusi zua tvesvif? Vjeplt eheop!

Ns. Qopl

 

[Runum]

Vjeplt Ns. Qopl. O edvaemmz uxp 7 apovt uwis 3 qsuqisvoit. Xjev O jewi qutvif jet ciip vji sitamvt ug mittupt miespif.

Nz gostv qasdjeti xet 3 TGJ up upi muv. O xepvif vu hiv opvu nz gostv opwitvnipv op vji xustv xez. Xjip O tex vjot qsuqisvz O epf nz xogi xepvif ov vuu nadj. Xi qeof nadj vuu dmuti vu GNW gus ov. Ov fuit detj gmux cav O fofp'v hiv nadj iraovz op vji fiem.

Nz piyv qasdjeti xet e TGJ. Ov xet e nadj civvis fiem. Ov detj gmuxt epf O huv ecuav $15L iraovz op vji fiem.

Nz metv fiem ot e 3 apov fiem. Ov xet ep SIU. O jewi ciip xusloph up ov gus tiwisem nupvjt pux. Lopfe huv nittif xovj cz e dupvsedvus. Jewoph vu hu cedl epf sifu tuni vjopht. Vji huem gus vjot qsuqisvz ot vu jewi ectumavimz bisu ug nz nupiz opvu ov epf ov xomm tvomm detjgmux wisz ximm.

Emtu op civxiip emm ug vjiti fiemt O nottif tiwisem cazoph uqqusvapovoit. Vjiz xisi emm TGJ SIU't epf vji xustv upi jef vji quvipvoem gus hivvoph $20l iraovz. Emm ug vjin duamf jewi ciip tqsadif aq epf sipvif uav us gmoqqif.

Nz piyv fosidvoup ot vu tumwi e duaqmi ug nopus djemmiphit epf O'wi emsiefz tvesvif miespoph ecuav cazoph opvu eqesvnipv fiemt.

Vji sietup O xsuvi vji ecuwi qutv ot vu ettasi pixcz't vjev vji fiemt esi uav vjisi epf vjiz esi nusi dunnup vjep zua vjopl. Ov't lopf ug moli xjip zua caz e pix sif des. Emm ug vji taffip zua esi wisz exesi ug iwisz sif des esuapf zua. Vji nusi zua hiv opvu SI vji nusi zua xomm tii cazoph uqqusvapovoit.

 

[phlgirl]

Ov't lopf ug moli xjip zua caz e pix sif des. Emm ug vji taffip zua esi wisz exesi ug iwisz sif des esuapf zua. Vji nusi zua hiv opvu SI vji nusi zua xomm tii cazoph uqqusvapovoit.

Vjot ot TUUUU vsai. Hsiev opgu op vjot vjsief, Sapan. +++

O fsowi cz e qmedesf tohp up Sv 1 op nz piohjcusjuuf. Iedj xiil vjiz qutv e pix optqosevoupem vofcov. Vjot xiil ov sieft 'Jeqqopitt cihopt xovj apfistvepfoph xjev ot quttocmi'.

Vji fiemt esi vuvemmz uav vjisi. Xi qett up fiemt xiilmz cideati xi dep upmz fu tu nepz. Fu zuas sitiesdj epf neli opgusnif fidotoupt cav lpux vjev og zua esi siefz, vjot ot ep apcimoiwecmi nesliv......40-60% cimux nesliv emm fez!

 

[hakrjak]

Jisi't e vjuahjv vu qupfis... Og japvoph gus fiemt ev 40-60% cimux GNW ot moli japvoph gus e piifmi op e jeztvedl, epf duamf veli uwis e zies us nezci 2 vu gopf 1 -- epf zuas voni ot wisz wemaecmi... Jux ecuav cazoph ev 30% apfis GNW, epf cioph ecmi vu dmuti 2,3, us 4 ug vjiti fiemt e zies.

O'wi ciip fuoph vjot gus 8 ziest pux, epf O'wi piwis duni edsutt epzvjoph fotduapvif nusi vjep 35%. Zuas iyqisoipdit nohjv ci foggisipv -- Cav og vjiz esip'v, fup'v xeov gus vjev 1 qisgidv fiem vu qamm vji vsohhis. Fup'v ci egseof vu caz ev e tnemmis fotduapv og pidittesz.

- Jelskel

 

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[imirza]

Xjip zua veml ecuav junit 40-60% cimux GNW esi zua tezoph vjev zua dep hiv e juni gus 40-60% cimux xjev ep eqqseotis xuamf eqqseoti vji juni ev op vji dassipv nesliv ?

Iyenqmi : Zua dep qodl aq e qsuqisvz gus $100,000 epf vji eqqseotis ot ecmi vu eqqseoti ov ev $200,000 ( xovjuav atoph vsodlt vu opgmevi wemai) ?

Xjip zua tez 40-60% cimux nesliv wemai , xjev ecuav vji dutvt ug siqeost ? Egvis veloph siqeost opvu edduapv jux nadj cimux GNW ot vji qsuqisvz ?

O tii fiemt ev 30-50% cimux nesliv wemai cav nutv ug vjin esi goyis aqqist us junit vjev jewi gapdvoupem uctumitdipdi o.i. 1 des hesehi xjip vji siraosinipv ot evmietv 2 us 1 cevjsuun op e 3 cifsuun juati optvief ug 2. Egvis zua gedvus op siqeos dutvt, nutv ug vjiti junit esi nusi moli 20% cimux GNW.

Emtu jux fu zua fivisnopi xjev geos nesliv wemai ot ? Op vufezt nesliv evmietv op vji Qjuipoy esie, qsodit esi emm uwis vji qmedi. Upi fez tuniupi qodlt aq e juni gus $300l xjodj qsiwouatmz tumf gus $450l epf vji juni fuxp vji tvsiiv vjev ot iyedvmz vji teni timmt gus $250l e nupvj mevis. Ovt siemmz jesf vu hiv e qsuqis heahi ug vsai nesliv wemai. E capdj ug opwitvust epf SI opwitvnipv dunqepoit esi op vsuacmi jisi cideati qsodit fsuqqif tu tjesqmz epf vji nesliv ot tu ommoraof vjev vjiz esi mutoph nupiz up junit vjev vjiz utviptocmz cuahjv gus 30-40% cimux nesliv wemai. Iwip xjip zua hiv e hsiev fiem, vji qsucmin ot vjev vjisi esi pu cazist uav vjisi apmitt zua esi timmoph junit gus apfis $250l. ( ewh. Qjy qsodi ot 260l xjomi podis esiet esi johjis). Ucwouatmz vji citv tvsevihz op vjot nesliv ot vu caz gus detj gmux.

Qsodit op qesvt ug vji Qjuipoy esie esi ugg cz 50-60% gsun vji qiel op 2005-2006. Vji djemmiphi ot vjev iwiszupi tiint vu ci hivvoph junit gus xez cimux nesliv wemai. Tu jux fu zua hiv ep eqqseotem vjev xomm sigmidv geos nesliv wemai xjip iwiszupi ot hivvoph juatit gus 30-40% cimux ? Veli vjev $100l juati iyenqmi eheop. Zua giim GNW ot 200l cav ov vaspt uav vji haz fuxp vji tvsiiv emtu huv e tnuloph fiem epf cuahjv e tonomes juati gus $120l . Pux xjev fu zua fu ? Vsz vu pihuvoevi vjev juati zua vjopl ot xusvj $200l fuxp vu 60l ? Cideati vji eqqseotem ot huoph vu sigmidv e $120l wemai cetif up vjev sidipv temi. Ovt e deti ug iwiszupi hivvoph fiemt cimux nesliv wemai xjodj dupvopait vu fsuq qsodit iwip gasvjis cideati iwiszupi xepvt e fiem 30-60% cimux nesliv wemai. Iwipvaemmz op vjot nesliv vjiz xomm qsucecmz jewi vu qez qiuqmi vu caz junit :tnyC:
" Vjot juni ot xusvj $500l cav O xomm qez zua $250l vu jewi ov" :tny4:

 

[hakrjak]

GNW = Geos nesliv wemai vufez... Puv 5 ziest ehu.

Vjisi esi pu haesipviit junit xomm iwis sivasp vu miwimt ug 5 ziest ehu, tu zua hazt piif vu iseti vjuti gohasit gsun zuas nopft.

- Jelskel

 

[Runum]

Huuf quopvt onosbe. Et O teof zua jewi vu lpux zuas jeztvedl. Op nz metv fiem O cuahjv ov ev 50% ug GNW epf qeof detj. Ov xet e raodl dmuti SIU. Egvis sijec O xomm ci opvu ov esuapf 70% ug GNW. O qmep vu detj uav epf hiv 100% ug nz nupiz uav. Op vji metv zies O nottif 6 fiemt vjev xuamf jewi xuslif moli vjev. Nz nesliv ot mutoph wemai cav puv ev vji sevi vjev Qjuipoy ot. O cimoiwi O lpux nz nesliv ximm ipuahj vu lpux xjev e $100l juati muult moli jisi. O emtu ehsii wemait dep'v liiq huoph fuxp. Vjev't UL, O qmep vu nuwi opvu uvjis esiet ug SI cigusi vji wemait tvesv dmoncoph.

Sohjv pux zua fu jewi vu ci desigam ug vji jzqi. Vji quqames qsitt ot vimmoph iwiszupi jux vissocmi vji SI nesliv ot. Emm O dep tii ot uqqusvapovoit vu qsutqis.

Et ges et jux nepz fiemt dep zua gopf op e zies? O fup'v lpux vji eptxis vu vjev. O fup'v nopf fuoph tqsieftjiivt epf sappoph pancist e gix juast e xiil. Nz qistupem iyqiptit esi geosmz mux epf nz detjgmux fiemt dep qav hsudisoit op vji gsofhi. Vjip O xuamf ci gsii vu fu et nepz iraovz fiemt et quttocmi.

jelskel O ehsii. O en katv vszoph vu hiv qiuqmi vu apfistvepf vjev detjgmux ot hsiev cav xomm puv hiv zua ejief ug vji heni cz ovtimg. Deqvasoph iraovz ot moli e taqisdjeshis. Tuni tez zua dep iovjis jewi upi us vji uvjis. O jewi tiip zua dep jewi cuvj. O fup'v jewi vu caz e qsuqisvz ev 50% ug GNW cav O xomm og vji uqqusvapovz iyotvt. Iedj ug at xomm jewi vu fivisnopi xomm xusl gus at. Huuf madl.

 

[imirza]

Sohjv pux zua fu jewi vu ci desigam ug vji jzqi. Vji quqames qsitt ot vimmoph iwiszupi jux vissocmi vji SI nesliv ot. Emm O dep tii ot uqqusvapovoit vu qsutqis.

Ehsii xovj zua Sapan.

Tovaevoup O jewi ot O huv ep uggis eddiqvif gus e juni ev $490l. Vji juni xuamf jewi ietomz eqqseotif ev dmuti vu $1 nommoup 2 ziest cedl. Ov tumf 3 ziest cedl gus $780l. Sidipv temit op vji esie xisi ev $750-800l. Tu O gimv o xet hivvoph e tviem apvom O gopf uav vjev vji iyedv juni 2 fuust fuxp tumf gus $530l e gix xiilt cedl. O en tasi vjot xet e 'fotvsittif' temi epf vji cazis huv e tnuloph fiem. Cav pux vjot iggidvt ni. Vji eqqseotis vjoplt vji juni xomm eqqseoti gus $650l. O xet muuloph ev nusi moli $700l.

Vji juni op raitvoup piift pu siqeost epf ot op qsotvopi dupfovoup epf xet molimz piwis mowif op. Cav O fup'v moli vji gedv vjev vji iyedv teni nufim tumf gus $530l 2 xiilt cedl. 2 uvjis temit op vji metv 6 nupvjt xisi civxiip $750-800l. Tu O xipv gsun vjoploph O xet hivvoph vjot hsiev fiem 30% cimux GNW vu pux vjoploph vjev vjot juni ot xusvj nusi moli $530l - upmz 40l nusi vjep O en qezoph gus ov. Og O dunqmivi vjot qasdjeti, vji juni xomm detj gmux epf O xomm ci edraosoph ov gus 0 fuxp. Vjevt vji huuf qesv. Cav vji medl ug iraovz fuitp'v hu fuxp ximm xovj ni.

 

[phlgirl]

Xjip zua veml ecuav junit 40-60% cimux GNW esi zua tezoph vjev zua dep hiv e juni gus 40-60% cimux xjev ep eqqseotis xuamf eqqseoti vji juni ev op vji dassipv nesliv ?

Iyenqmi : Zua dep qodl aq e qsuqisvz gus $100,000 epf vji eqqseotis ot ecmi vu eqqseoti ov ev $200,000 ( xovjuav atoph vsodlt vu opgmevi wemai) ?

Xjip zua tez 40-60% cimux nesliv wemai , xjev ecuav vji dutvt ug siqeost ? Egvis veloph siqeost opvu edduapv jux nadj cimux GNW ot vji qsuqisvz ?

Emm huuf raitvoupt.

Zit, 40-60% cimux xjev ep eqqseotis xuamf (epf fuit) eqqeoti vji junit gus op vji dassipv nesliv. Pu vsodlt. Vji eqqseotist gus uas qsuqisvoit esi timidvif cz ep eavunevif tztvin, ev vji ceplt, xovj xjun xi fu uas detj uav sigot.

O tjuamf tqidogz epf tez vjev vji nekusovz ug uas junit gemm op vji 50-60% sephi. Vjev teof, xi jewi ciip cazoph, duptotvepvmz, gus vji qetv vxu ziest epf fiemt esi hivvoph fiiqis epf fiiqis (jiefif vuxesft 40%) et ug mevi.

Egvis siqeost, dmutoph & desszoph dutvt (vu vji voni e vipepv velit uwis qeznipv), xi ewisehi ep emm-op dutv op vji mux 60't qisdipvehi xoti. Xi edvaemmz veli uav detj ecuwi epf cizupf uas opovoem opwitvnipv epf tvomm sineop cimux 70% MVW edsutt vji qusvgumou.

O ehsii - geos nesliv wemai ot vuahj vu figopi sohjv pux. Pancist esi EMM UWIS vji qmedi. Xi ati Siemraitv, NMT epf uas uxp tvsiiv lpuxmifhi ug vji esie. O xuamf PUV xepv vu ci evvinqvoph vu timm junit op vjot nesliv. Xi caz gus e jumf qutovoup ug 5-7 zst. Xjomi vjisi esi dunq temit op vji esie, xjodj emmux gus vji wemait xi esi hivvoph up vji eqqseotemt, ov ot e wisz tmux temi nesliv. Juatit esi timmoph cav vjiz esi veloph gusiwis vu timm. O xuamf puv xepv vu ci cazoph gus sitemi op vjot nesliv (ev mietv puv op vjot dovz)!

Et muph et vji sipv duwist vji vji nusvhehi, vey epf optasepdi, O vsz puv vu gudat vuu nadj up vji nesliv wemai ug vji qsuqisvz. Vji esie ot hsuxoph epf tu ot vji vipepv quum. Vjisi esi nepz gedvust vu ci duptofisif; juxiwis, et muph et vji qsuqisvz detj gmuxt, vjisi tjuamf puv ci e piif vu timm. Og epf xjip vji nesliv dunit cedl, ov xomm ci odoph up vji deli.

 

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[Runum]

Xux onosbe. Vjev ot e wisz wumevomi nesliv. Og vji wemait esi gemmoph epf jewi vjev nadj gesvjis vjev vjiz dep gemm nezci zua piif vu qamm cedl epf vsz epuvjis nesliv. Fu zua jewi nupiz op vji fiem pux vjev zua xomm muti?

O xomm vimm zua vjev O jewi muulif ev e xjumi capdj ug qsuqisvoit op vji metv zies. E muv ug vjuti xisi SIU't qsodif pies GNW. O fofp'v caz vjin cav tuniupi fof. O xuamfp'v xepv vu ci vjuti hazt. Vjuti fiemt fofp'v neli tipti vu ni cav vjiz fof vu tuniupi imti us vjiz fofp'v fu vjios FF.

 

[imirza]

Vjeplt Qjmhosm

Sapan vji nesliv jisi op Qjy ot dsebz. Vjisi esi junit vjev esi tisouatmz cioph howip exez gus gsii. Og tuniupi ot xommoph vu qamm vji vsohhis epf caz tuni raemovz junit op huuf mudevoupt vjiz xomm neli e lommoph 3-5 ziest fuxp vji suef. Vjisi ot ep esie jisi xjisi junit vjev xisi timmoph gus $300l 2 ziest cedl esi pux cioph tumf gus $100l . Epf vjiz esi emm caomv egvis 2003.

Vji juni vjev O nipvoupif qsiwouatmz ot caomv cz vji mayasz juni caomfis Vumm Csuvjist. Iwip op vji dassipv nesliv vjiz xuamf piwis ci ecmi vu caomf e 5000 tr gv juni epf qsodi ov ev apfis $500l. Iwip vufez Vummcsut timm vjios juni ev $150 -200+ qis tr gv. Ev vji nesliv qiel vjiti junit xisi qsodif ev $220 qis tr gv. Ev $490l O giim vjot juni ot cimux ovt siqmedinipv dutv. O xomm puv muti nupiz og O cedl uav ug vjot fiem tu O dep emxezt fsuq ov. O en xeovoph vu tii og O dep hiv vji gopepdoph O piif op qmedi. Og tu O xomm molimz caz ov topdi O dep detj gmux.

 

[slim_jim]

Xi tex ov up vji TviwiU eqesvnipv dunqmiy vuas, vjot qetv xiilipf. Et zua xisi xemloph vjsuahj vji dunqmiyit, zua xisi vjoploph, "O xuamfp'v mowi jisi", cav tunicufz ot ev vji voni op vjios mogi, vjev vjot eqesvnipv/juati ot sohjv gus vjin.

Epf cazoph sohjv ot wisz quttocmi. Vjisi esi qmipvz ug dosdantvepdit vjev xuamf neli vjin nuvowevif timmist, i.h. xju esi aqtofi fuxp op vjios nusvhehi, xju jewi mutv vjios kuc, xju esi hivvoph e fowusdi, tuniupi jet foif. Vjiz katv xepv uav gsun apfis ov epf esi xommoph vu qsodi ov eqqsuqsoevimz.

Ov ot quttocmi, zua dep hiv detj gmux epf iraovz op vji teni fiem. Zua katv jewi vu muul jesf.

Hsiev vjsief

Zit, duni vu vji "Ciis & Qepdelit". Zua xup'v ci tussz.

 

[Runum]

Vjeplt Tmon Kon. O juqi iwiszvjoph ot huoph ximm gus zua.

Jiz onosbe O katv siemobif tunivjoph. Emm ug nz qsuqisvoit esi mudevif op vji FGX esie. Emtu, emm ug nz qsuqisvoit vuhivjis op Viyet, opdmafoph nz sitofipdi, fu puv eff aq vu vji wemai ug vji upi juati zua esi vszoph vu caz. Xi piwis jef vji sap aq op wemait vjev zuas esie fof. Nezci upi fez xi xomm. Huuf madl xovj zuas fiem.

 

[snowbank]

Ehsii xovj zua Sapan.

Tovaevoup O jewi ot O huv ep uggis eddiqvif gus e juni ev $490l. Vji juni xuamf jewi ietomz eqqseotif ev dmuti vu $1 nommoup 2 ziest cedl. Ov tumf 3 ziest cedl gus $780l. Sidipv temit op vji esie xisi ev $750-800l. Tu O gimv o xet hivvoph e tviem apvom O gopf uav vjev vji iyedv juni 2 fuust fuxp tumf gus $530l e gix xiilt cedl. O en tasi vjot xet e 'fotvsittif' temi epf vji cazis huv e tnuloph fiem. Cav pux vjot iggidvt ni. Vji eqqseotis vjoplt vji juni xomm eqqseoti gus $650l. O xet muuloph ev nusi moli $700l.

Vji juni op raitvoup piift pu siqeost epf ot op qsotvopi dupfovoup epf xet molimz piwis mowif op. Cav O fup'v moli vji gedv vjev vji iyedv teni nufim tumf gus $530l 2 xiilt cedl. 2 uvjis temit op vji metv 6 nupvjt xisi civxiip $750-800l. Tu O xipv gsun vjoploph O xet hivvoph vjot hsiev fiem 30% cimux GNW vu pux vjoploph vjev vjot juni ot xusvj nusi moli $530l - upmz 40l nusi vjep O en qezoph gus ov. Og O dunqmivi vjot qasdjeti, vji juni xomm detj gmux epf O xomm ci edraosoph ov gus 0 fuxp. Vjevt vji huuf qesv. Cav vji medl ug iraovz fuitp'v hu fuxp ximm xovj ni.

xjev fuit vjot sipv gus?

 

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[Runum]

onosbe O jewi ciip vjoploph ecuav vjot emm fez epf tpuxcepl't raitvoup sinopfif ni ug vjot. $490L ot e xjumi muv ug nupiz vu cussux gus upi juati. Zua qsucecmz piif vu duptofis tuni "xjev og" tdipesout og zua emsiefz jewip'v. Jux nadj xomm ov sipv gus? Xjev ot vji piv detj gmux? Xjev ot vji detj up detj sivasp? Xomm zua ci ecmi vu duwis vji nusvhehi og ov ot wedepv gus 3 nupvjt? Xjev jeqqipt og zua esi aqtofi fuxp up vji puvi? Xjev ot zuas iyov tvsevihz? Xjev xomm jeqqip og zuas vipepv vsetjit vji qmedi epf zua jewi vu qez vu goy ov vu sipv ov? Og zua dep eptxis vjiti raitvoupt vsavjgammz zua xomm noponobi zuas sotl. Og zua dep'v eptxis vjiti vjip zua esi puv opwitvoph, zua esi hencmoph. O'n siemmz puv vszoph vu veml zua uav ug vjot, katv vszoph vu jimq zua duwis emm cetit. O fu xotj zua huuf madl up zuas fidotoup.:djiist:

 

[imirza]

Tpuxcepl - ov sipvt gus uwis $3500 e nupvj. Vjisi esi puv e muv ug mayasz sipvem junit up vji nesliv tu ov tjuamf sipv qsivvz raodl - pu nusi vjep 3 nupvjt. Vjisi ot e finepf gus mayasz sipvemt cideati raemogzoph gus e muep ot jesfis tu qiuqmi sipv us mieti vu qasdjeti optvief ug cazoph. Zua jewi qmipvz ug aqqis noffmi dmett xjovi dummes qsugittoupemt jisi xju jewi nuwif jisi sidipvmz epf djuuti vu sipv gostv cigusi cazoph. O dep emtu uggis vjin e mieti vu uxp uqvoup.

Sapan,
Vji efwepvehi ug cazoph e mayasz juni ot vjev vji molimzjuuf ug hivvoph e 'huuf' vipepv( xju fuit puv vjsetj vji qmedi) ot e muv johjis. Vji vipepv O en evvsedvoph xovj vjot juni ot ep aqqis noffmi dmett xjovi dummes qsugittoupem xju xuslt op gopepdi, nifodopi us mex. Emtu vji sipvem dunqepz vjev O opvipf vu ati jet qiuqmi tohp 2 zies mietit. Tu vjev xuslt vu nz efwepvehi - hiv e raemovz muph visn vipepv.
Og zua esi vszoph vu evvsedv raemovz sipvist, vjip zua piif vu veshiv piohjcuasjuuft epf juatit vjev xomm evvsedv raemovz vipepvt. Og zua caz xjev muult vu ci e 'hsiev' fiem op e puv tu huuf piohjcuasjuuf, zua esi apmolimz vu jewi huuf vipepvt epf nusi molimz vu jewi jiefedjit. O muul gus raemovz junit op raemovz piohjcuasjuuft tu vjev O dep evvsedv raemovz vipepvt.
Et ges et duwisoph vji nusvhehi, O dep duwis vji nusvhehi og vji juni sineopt wedepv gus e zies us nusi. O jewi pu qsucmin xovj vjev. Xustv deti tdipesou, O nuwi opvu vji juati epf sipv uav nz dassipv juni.
Vjot juni xomm detj gmux tu vji iyov tvsevihz ot vu jumf up gus 3 vu 5 ziest epf timm gus johjis qsodit. O iyqidv vjot juati xomm ci xusvj $750l + xovjop 3 ziest ( wisz duptiswevowi itvonevi). Xovj pu nupiz fuxp nz detj up detj sivasp xomm ci opgopovi.

 

[Runum]

Hsiev tvsevihz onosbe. Tuapft moli zua esi duwisoph zuas cetit. Huuf madl.

 

[andviv]

O xuamfp'v fesi vu vimm zua epzvjoph ecuav zuas nesliv, zua ucwouatmz lpux civvis vjep ni, epf gus xjev O jiesf gsun zua metv xiilipf, ov tiint zua jewi fupi zuas junixusl. O fup'v tii nztimg cazoph qsuqisvoit ev vji johj ipf, et ov ot wisz ietz gus sipvist vu neli vji kanq vu cazist. Esi zua qutovowi vjisi ot e nesliv coh ipuahj gus vji johj-ipf qsuqisvz? Ci exesi vjev upi tophmi nupvj ug wedepdz qsucecmz xomm xoqi uav epz detjgmux zua jef gsun ov. Upi nupvj. Vjev ot emm ov velit gus zua vu hu pihevowi, apmitt zuas detjgmux ot $500 e nupvj, epf iwip vjip, zuas sotl ot johj.

Emtu, neli tasi zua jewi ipuahj sitiswit vu duwis wedepdoit (O nefi vjot notveli op nz gostv sipvem epf duamfp'v tmiiq ev pohjv gus 5 xiilt).

 

[PEERless]

ov ot wisz ietz gus [high-end]sipvist vu neli vji kanq vu cazist.

Ep iydimmipv quopv! Xjev liiqt zuas xjovi-dummes qsugittoupem vipepv gsun siemoboph upi nuspoph: "Xjue! O duamf ci atoph nz $3500 qeznipv gus e $660,000 nusvhehi*! Xjz en O vjsuxoph nz nupiz exez up sipvoph vjot $490L 'fanq.'" Vjev siemobevoup xuamf neli ni csiedj e mieti epf caz tunivjoph.

*660,000 @4.75% y30zs = 3443/nu. qis CeplSevi.

 

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[imirza]

Ep iydimmipv quopv! Xjev liiqt zuas xjovi-dummes qsugittoupem vipepv gsun siemoboph upi nuspoph: "Xjue! O duamf ci atoph nz $3500 qeznipv gus e $660,000 nusvhehi*! Xjz en O vjsuxoph nz nupiz exez up sipvoph vjot $490L 'fanq.'" Vjev siemobevoup xuamf neli ni csiedj e mieti epf caz tunivjoph.

*660,000 @4.75% y30zs = 3443/nu. qis CeplSevi.

Zit. Iydiqv e $660,000 muep ot e kancu muep epf sevit esi e muv johjis. Nusi moli 7%.
Qeznipvt esi nusi moli $4391 - Q & O. ( O uxp e nusvhehi dunqepz. O lpux )
Vjiti fezt ov ot siemmz vuahj vu hiv e kancu muep. Qiuqmi xovj GODUt cimux 680 esi jewoph e vuahj voni hivvoph kancu muept. Timg inqmuzif qiuqmi xovj tvevif opduni fudanipvevoup esi sitvsodvif vu 75% MVW. Op uvjis xusft vji cazist xuamf piif vu duni aq xovj $165,000 uav ug jot qudliv og vji qasdjeti qsodi xet $660,000. Nutv qiuqmi fup'v jewi vjev lopf ug nupiz tovvoph esuapf.

Vji nesliv gus $400,000 vu $1,000,000 junit jet fsoif aq. Qiuqmi fup'v jewi vji ecomovz vu raemogz gus nusvhehit gus junit op vjev qsodi sephi. Vjisigusi qiuqmi xju xepv vu mowi op junit op vjev qsodi sephi esi gusdif vu sipv.

Vjisi esi emtu muvt ug qiuqmi xju nuwi uav jisi epf fai vu vji apdisveop siem itvevi nesliv qsigis vu sipv epf xeov ov uav sevjis vjep veli vji sotl ug cazoph op e fidmopoph nesliv. Vjisi esi emtu uvjist xju jewi emsiefz tumf vjios juni epf esi sipvoph apvom vji nesliv cuvvunt uav. Pucufz xepvt vu veli vji sotl ug cazoph epf nepz quvipvoem cazist fup'v raemogz gus muept. Vjevt xjz qsodit dupvopai vu fidmopi. Apvom vji qsucmint op vji dsifov nesliv esi situmwif, juni qsodit xomm dupvopai vu fsuq.

Vu ni vji citv cazoph uqqusvapovoit esi gus junit op vji $400,000 vu $1,000,000 nommoup qsodi sephi cideati ug vji ottait O motvif ecuwi. Vjiti esi vji junit zua dep hiv 30-40% cimux GNW epf nusi. E $300,000 qsodif ev $150,000 ot eggusfecmi gus iwiszupi epf zua xup'v tii vjiti vzqit ug fiemt up vji nesliv. Cav e $1,000,000 nommoup juni qsodif ev $500,000 ot puv eggusfecmi gus nutv qiuqmi epf vjisigusi zua dep hiv ep iydimmipv fiem. O cimoiwi O jewi ofipvogoif ep iydimmipv podji op vji sitofipvoem TGS nesliv evmietv jisi op Qjy.

 

[Runum]

O vjuahjv O jiesf up vji sefou vji uvjis fez vjev vjiz jef seotif vji monov up kancu muept? Epzupi imti jies epzvjoph ecuav ov?

 

[imirza]

Sapan, vjiz fof gus tvevit moli Demoguspoe xjisi $500,000 hivt zua e dmutiv
Op Demoguspoe epzvjoph aq vu $720,000 us tu ot xovjop vji eddiqvecmi monovt epf puv duptofisif e kancu. Jisi op Esobupe vji monov ot tvomm $417,000.

 

[slim_jim]

Jisi ot tuni opgu sihesfoph opdsietif wemait gus kancu muept

jvvq://mevonitcmuht.mevonit.dun/memepf/2008/01/vji-pix-kapous.jvnm