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Keys Waterfront Properties offer real investment advantages Added 3-2-2018

“There are a lot of high-end areas across the United States where you could invest in property; however, there are very few that are as inviting and gorgeous as the Florida Keys, plus offers genuine Investment Advantages

Here are some of the many advantages and benefits of purchasing waterfront homes located in the Florida Keys:

1. People will always want this property! Generally speaking when you invest in a rental property, you should expect not to get any rental income or the first 3 to 6 months. When you invest in a rental property in the Florida Keys, you can forgo that expectation. You will have no problem renting your property.

2. Reliable supplemental income. Not only can you count on being able to rent your property out right away, you can also count on keeping it rented out. People want to visit the Florida Keys at all times of year. This means a nice steady income for you.

3. Exceptional appreciation. When compared with landlocked real property, waterfront property appreciates more as time passes. You can expect your Florida Keys property to bring you a nice profit if and when you decide to sell it.

4. Advantageous for tax purposes. When you invest in residential property can take advantage of a number of specific tax write-offs. If you decide you want to sell this property and invest in another one, you will enjoy other tax advantages.

5. Borrowing leverage. When you own a property on the waterfront in the Florida Keys, you have good leverage whenever you need to borrow money to buy another investment. Owning a solid and valuable piece of property will help you continue to build your real estate portfolio and to prosper.


How to Make Your Home More Marketable Added2-5-2018

If you are trying to sell your home, there are a variety of ideas you can use to increase your chances of finding a buyer. Read through the article, and choose which ones would be best suited to your home situation.

Keep in mind that homes with modern touches generally sell faster than those with a completely outdated appearance. Because of this, you want to find the rooms that could most benefit from an update and work on improving their looks.

One of the best rooms to modernize is the bathroom. Replacing the current plumbing and electrical fixtures in your bathroom can quickly give a contemporary appearance of elegance. Even simple and inexpensive touches like new towel racks can increase the appearance of the room.

Another room to consider in your redecoration is the kitchen. The remodel you choose to do in this room can be as simple as adding some new wallpaper and cabinet knobs. On the other hand, you may choose to completely remodel your kitchen with all new appliances and counters. Either way, make certain to maintain a uniform look throughout the room.

You may wish to update other appliances besides the ones in the kitchen. Many potential buyers would appreciate a new washer and dryer in the laundry room. Another excellent choice would be to replace the existing hot water heater with a new model. Very popular choices today are the hot water heaters that heat water only as it is used. This type of hot water heater makes an excellent selling point, because it greatly reduces the amount of electricity used year round.

If you have the space, consider adding a room to the home. The increased space could be used as a selling point for either a spare bedroom or office space. Make certain that the new room blends into the current design.

Another fantastic idea when remodeling is to replace the carpets with hardwood flooring. Hardwood floors are incredibly attractive and sought after by those with allergies. Hardwood floors do not hold dirt and pet dander the way carpeting does. You should be certain to keep it well polished when showing the house.


About Key Largo Florida added 1-7-2018

Stretching off the south coast of Florida, the 120 mile long chain of islands called the Florida Keys create the ideal holiday getaway. Home to North America's largest living coral reef, the crystal clear waters create it the perfect place for snorkeling, diving, sport fishing and eco tourism. If you're seeking solitude, relaxation, amusement, nature and experience, allow the Florida Keys offer the ultimate retreat. Since the northernmost island Key Largo makes the obvious starting point when discovering the island chain. Called the diving capital of sport fishing, Key Largo is home to one of North America's largest living coral reefs, which makes it an under water paradise for snorkeling, diving and photography. 

The famous shipwreck of Siegel Grove provides a wonderful diving chance and is now a part of the reef ecosystem. With close place to the Everglades, kayakers may enjoy discovering the wetlands and wilderness region that's home to many species of birds. As the sport fishing capital of sport fishing, people to Islamorada may indulge themselves in the best game fishing about. The areas educated charter boat captains as well as backcountry guides are certain to take you on a thrilling excursion discovering nature's beauty as well as the abundance of sailfish, bonefish, redfish, tarpon as well as more. Additionally home to various country parks, enjoy hiking the paths of Windley Key Quarry Fossil Reef State Geologic Site or Lignumvitae Key State Botanical Site. 

For a good change of pace, culturally rich Islamorada offers great shopping opportunities as the home to many community artists and galleries. Marathon marks the midpoint as well as the most modernized island having an airport, hospital as well as numerous restaurants. Like all the other islands, the tropics paradise of Marathon presents paramount fishing, diving as well as water sports to its people. While perfecting your tan, like swimming in the clear sparkling waters as well as drifting along the endless shores. Vacationers are sure to enjoy finding the history and beauty of heart of the keys. If looking For the ultimate in comfort as well as beauty, the Lower Keys as well as Big Pine create a fantastic vacation choice. Leave the hectic world behind and relish the quiet region full of quaint restaurants, undisturbed wilderness and history. Hike or bicycle throughout the paths of the National Key Deer Refuge, take incredible pictures of the deer and large quantity of nature. Explore the clear waters of Looe Key National Marine Sanctuary, snorkeling as well as diving to come across over 150 species of marine wildlife.


Home Sellers and purchasers Are Going on the internet added 12-4-2017

Technology is altering how Americans buy and offer homes in unanticipated ways, consisting of how they work with realty agents and brokers. That's an essential finding of among the biggest studies of realty customers ever conducted.

Inning accordance with the research study, conducted by the National Association of Realtors, 9 from 10 home purchasers use a realty agent in the search process, but use of the Internet to search for a home has risen significantly over time, from only 2 percent of buyers in 1995 to 77 percent in 2005. The next largest source of info for purchasers is a backyard indication, discussed by 71 percent of purchasers.

The 2005 National Association of Realtors (NAR) Profile of Home Buyers and Sellers, based upon more than 7,800 actions to a questionnaire, is the latest in a series of studies evaluating different characteristics of house buyers and sellers.

NAR President Thomas M. Stevens from Vienna, Va., stated the findings highlight the complexity of the home-buying procedure. "Buyers who utilize the Internet in looking for a home are more likely to use a real estate agent than non-Internet users, and consumers depend on specialists to provide context, negotiate the transaction and assist with the documentation," said Stevens.

The research study likewise shows that it might pay for a seller to count on a property representative. The median house rate for sellers who utilize an agent is 16 percent higher than the cost of a home offered straight by an owner.

The Web site Realtor.com was the most popular Internet resource, used by 54 percent of purchasers, followed by several listing service (MLS) Web websites, real estate company websites and realty representative Web sites.

Common buyers walked through nine residential or commercial properties, searched eight weeks to buy a home and moved 12 miles from their previous house. Common sellers put their house on the market for 4 weeks, had actually resided in it for 6 years, moved 15 miles to their brand-new home and formerly owned three homes.

The most important consider picking a representative was credibility, according to 41 percent of home purchasers, followed by a representative's understanding of the neighborhood, 24 percent. Fifty-seven percent of sellers said reputation was the most essential aspect.

The National Association of Realtors is America's biggest trade association, representing more than 1.2 million members involved in all elements of the industrial and domestic realty markets.

Tips To Help You In The Real Estate Market aded 11-3-2017

Investing in real estate has the potential to be a rewarding method of earning substantial income in cash quickly. It is essential to increase your knowledge of the tips and techniques.The article below is intended to get you going.

Never purchase a property without an independent or third-party professional. Sellers may be using someone who will favor them.You want an unbiased report from a person that you can trust.

Be sure that you spend enough time on the endeavor to really understand it. You might have to curtail your time wisely if you want to make more money over the long haul. Ditch the poker night or another guilty pleasure so you go to in order to become a better investor.

There are to essential rules to making an investment in real estate. You want to make sure that you get a fair deal on the land. Do not pay too much for the business either. Each of these numbers must be good for you to decide to purchase the deal.

Location is very important in any real estate market. Property condition and other factors do change. Properties that are within depreciating areas will almost always result in a bad investment. Know what you are doing and make sure to research the area where you live.

This will give you with tons of great information for you to start using in your own investment strategy. You could even sometimes have conversations with this person.

Don't invest a huge amount of money on real estate with doing the research first. Errors in this field can generate some major losses if you don't watch out.

Don't buy real estate.Even if you are tempted by the price, you can be stuck with a property that no one else wants to buy.

Make sure you can recoup your investment, plus some.

Try to invest in several properties within a short distance of each other. You will be able to save time and money on maintenance and travel this way as you visit your properties. It can also allows you become an authority when it comes to the market in that real estate area.

Look at the economy is expected to progress in the county your property is in. Property prices will stay low if the unemployment rates stay high. This will have a good return on your investment. A robust city will boost property values.

Real estate investments can produce real wealth. Of course, if you are not given the right info, it can be tough to get involved. This article will help seasoned professionals and new investors alike.

Commercial Real Estate Tips added 10-5-2017

It takes time and hard work to make a go of commercial real estate. Nonetheless, it is possible to make a profit. By carefully applying the advice in this article, it will help you to succeed.

Prior to making a large investment on a property, look at the local income, unemployment rates, and contraction of the local employers. In addition, you want to keep in mind what else is close to the property. Any place that supplies a large number of jobs to the economy can raise the resale value of any property and make it much faster to sell if you decided to go that route. Big employers might consist of hospitals, factories, or universities.

It is easy to get emotional when you are venturing into the commercial real estate market, but is is very important to stay patient and remain calm. Don't invest in a hurry. The property you buy in a hurry might not deliver what you need to reach your goals, leaving you to regret the purchase afterward. Plan to keep your eye on your market for as long as a year if you want to find the right investment.

Do some research on the internet to learn more about real estate and investing, whether you have a lot of experience already or are completely green on the matter. You can never know too much about commercial real estate, so keep learning!

You should thoroughly look into the brokers that you are considering, and determine their level of expertise and experience when dealing with commercial real estate. Don't use a broker who doesn't specialize in the type of real estate investment you're interested in. You need to get into a type of exclusive agreement with your broker.

As discussed previously in this article, investing in commercial real estate properties can be an extremely profitable endeavor. You want to be sure you follow the tips in the article to be successful with commercial properties, and avoid any tricks or traps.

Simple Tips And Strategies On Home Improvement added 9-4-2017

Home improvement projects have been a necessity since people have had a place to call home. The most important part of home improvement is to feel comfortable in your living space. Keep reading below to get some great tips on how to handle home improvement in the 21st century.

If you're revamping the room, use light or white tile or other material. This will reflect a lot of the heat and will keep your attic cooler. You will be able to reduce all of your monthly energy bills by doing this.

If you are running out of counter space in your kitchen, consider an over-the-range microwave. When you replace a range hood with this type of microwave, you enjoy features like a flexible price range and even convection cooking options. These models use a recirculating filter, making them ideal for use at home or in settings outside professional kitchens.

Instead of utilizing a commonplace coffee table, select something more unique. Old luggage or an old chest can actually make a great storage bin as well as a one of a kind coffee table. Display some of your books, magazine and accessories on your coffee table for definition. Try a tablecloth to give it color or teacups, for a nice country touch.

When purchasing a home, look for dry rot and chipped paint that has been coated over. Professional inspectors can spot other issues, such as structural and electrical defects. The investment will be worth it.

You can store your supplies between floor joists or ceiling rafters. Molding and pieces of wood can be conveniently hidden out of eyesight. Simply nail a couple of furring strips across two of your exposed floor joists or rafters and slip in the material to be stored.

Dressing up pillows for a young adult's room can be very simple. Sew some old band shirts, old jeans, and shirts with neat logos around your decorative pillows. Personalize your teen's room and add some spice without spending a lot of money.

Make sure you're working with a legitimate company when doing home improvement. If you can't get a physical address for a company and can only reach them by phone, they probably aren't all that big of a company. Instead, select someone with a good reputation.

When you plan right, you can really do amazing things to improve your home. Take your time and work carefully, because it is often harder than it looks. You could end up getting into more work and expense than you realized at first.

The Most Out Of Your Real Estate Investments added 8-3-2017

Many people want to start a real estate career. The key to successful real estate investment is sound, up to date knowledge. Read on to see what you need to know before you begin.

Make the decision before you begin investing on exactly the style of real estate investment you want to concentrate on. Flipping real estate could work well for you. Others prefer building a property from scratch. Different work is required for each, and you can then hone your skills.

Find out as much as you can about the pricing of properties in your selected area. Rent can vary greatly from one neighborhood to another. After getting a good idea of what is taking place in the local community, you will be able to make a wise choice.

Avoid purchasing property before having a property inspector come and take a look at it. Sellers may even cover the inspection costs, but always choose an independent inspector. It is best to get an independent person to come and inspect the property to protect your interests.

Find other people involved in real estate investing and learn everything you can from them. Lots of people want to invest in real estate. You may even find a group in your area that focuses on making money in real estate. If you don't have access to a local group, there are numerous online resources to pursue. Mix it up with these people and learn all you can.

Location is essential when investing in the real estate market. Other factors, like the condition of a property, can be altered. Investing in a property that is located in a bad neighborhood will probably lead to failure. When looking to purchase real estate, always make sure you investigate the area and its property value.

When investing, you want to choose a property in a good location. By doing so, when it comes time to sell, you'll see an optimal return. Also, look for easily maintained properties.

When looking for potential investment properties, look for ones that are likely to go up in value. An area close to a business district can likely be worth more in the future. Be sure to consider the long-term price of the property when choosing which properties to invest in.

You can get rich by investing in real estate. However, without a sold foundation of knowledge and some skills in place, it will be difficult. Use the information that you have learned from this article as a tool to guide you towards successful real estate investing.

Explanation of Controlling Depth added 7-3-2017

The term “controlling depth” isn’t complicated, although it is very important to understand its ramifications if you’re purchasing a waterfront property. Along with other such concerns, such as riparian rights, which is the legal possession of land along a waterway, controlling depth is a pivotal point.

Explanation of Controlling Depth

Simply put, controlling depth is the actual depth of water in a particular navigable area which determines the maximum draft of any water vessel which can enter.

In other words, the depth of water near a residence or marina which governs the draft amount of approaching vessels. (The draft of a vessel is the depth of the hull in the water.) The hull is the watertight underside of a vessel and can range in depth from very shallow, about 11 inches, to 3 feet, to several feet.

This is important because for buyers who are purchasing waterfront property, they must know what size vessels can enter the channel or more particularly, what draft depth is safe.

Why Controlling Depth Matters

The reason controlling depth matters is because if you purchase a waterfront property, it will determine what vessel you can bring in and out of the waterway or channel. In other words, if the controlling depth is just 6 feet, but you own a vessel with a 7’ 6” draft, you would not be able to approach because it’s 1 foot, 6 inches too shallow.

While controlling depth is used to restrict certain vessels from entering a waterway (like a cruise ship), it can prove problematic for certain situations. For help Buying or Selling Key Largo Real Estate please contact me

A Guide To Building A Brand New Home added 6-6-2017

Because the current housing market favors buyers, a number of people assume that they'll obtain their money's worth from any used home they buy. Although it's true that many used properties are priced low, they're not well suited for every family. For some, it's smarter to acquire a construction loan so that they can make a beautiful brand new home for their own reasons.

Building a home may sound prohibitively expensive or overly challenging, but it's an extremely real possibility. People just need an awareness of construction loans. Currently, a lot of people select a construction-to-permanent loan. These loans cover the expense of the lot and also the expense of home construction, and grow a mortgage loan once the house has become built. The procedure is quite the same as the one followed when someone buys a pre-owned home. They can make an advance payment, then make payments at the fixed interest rate. When the home has become completed, the money will convert to a fixed mortgage.

Sometimes, buyers can make interest-free payments even though the home is being constructed. However, this is simply not an option offered by every bank. After it is offered, the financial institution determines the amount of interest-only payments can be made ahead of time. These funds will typically be deposited right into a separate account. Those who are currently making mortgage or rent payments may find a possibility similar to this ideal. After that, the contractor can provide a release schedule. This may give both buyer and the bank a sense of what you should expect.

If you're considering a fresh home construction loan, you'll want to make sure you keep this stuff at heart.

1. Be aware of what you can afford

Don't undertake more than it is possible to handle. Use a loan calculator to determine what sort of loan is a good idea to suit your needs. Ensure that you have adequate saved to produce a 20% deposit. Otherwise, you'll be stuck handling PMI payments.

2. Compare loan rates

Make sure you get probably the most competitive loan rate it is possible to. Research prices and speak with numerous lenders and banks. You might want to ask your contractor if there's a lender they'd recommend.

3. Read within the pre-approval papers

After you get approved for a financial loan, banks should deliver some pre-approval paperwork. Read over them to enable you to compare them better. See exactly what the closing costs and tax rates will probably be you don't need to be astonished at any hidden costs.

4. Find an excellent contractor

When you're acquiring a new construction loan, choosing a reputable contractor is vital. Ensure that your contractor is properly licensed and fully insured. You should also make sue they've built new homes before. Work together with these to determine an affordable budget, building costs, and to come up with an agenda for your own home.

5. Find the right lot

Make use of a realtor to obtain the right lot for your home. Be sure to have every one of the building permits you will need, and make certain that there won't be any problems with your septic or water system.

After you've completed these five steps, you'll stay in an ideal starting point focus on your new home. For help Buying or Selling Upper Keys Luxury Homes please contact me

Tips About Real Estate Investing added 5-3-2017

Knowledge is so important when it comes to investing in real estate. Read this article to get started in the field of real estate.

Learn as much as you can about real estate before investing money into the market. This is something you build your foundation of tips about business that are out there. Read articles and blogs that educate you gain the upper edge.

Once you think you're going to get into real estate investing, establish an LLC or other such entity. This will allow you and your investments are protected as you may make. It will also help you with certain tax benefits thanks to your business dealings.

Location is essential when investing in real estate investment. Property conditions and other factors are usually subject to change. Properties that are within depreciating locales will rarely be a bad investment. Always do your research on a property values in advance for the areas you are most interested in.

You will be surprised to know that people sometimes don't do all the work for you just by letting them speak. Also, because you are listening, you will be able to pinpoint the time when you can grab the exact price you are looking for.

This provides you with helpful information to use as you to start using in your own strategy. You could even get to speak with these individuals one-on-one.

Properties near business districts or waterfronts are likely to increase in value.

Take the entire neighborhood before investing in property there. Neighborhoods that are highly sought after will bring you value for many years to come, while depressed areas might cost you money or yield a lower return. Location is always be the key determinant for a property's value.

Don't buy real estate.The prices might be tempting, but you could end up holding onto an undesirable property that nobody wants.

Have some idea of your time is worth. You may love rehabbing properties, but is the time you're spending on it time well spent? Or would you be better spent searching for another great investment opportunity. It's okay to make time for focusing on other important parts of the business.

Don't buy your real estate that is in bad neighborhoods. Be sure you're noticing the locale where you intend to buy. Do your homework in advance. A great deal on a nice house might mean that it's in a bad place. It may be vandalized and hard to sell.

Learning more about real estate before you invest is a sensible way to proceed. Of course, you want to make proper choices and avoid failure. Educate yourself and use that wisdom to find success.

Tips on Increasing You Home's Salability added 4-5-2017

Homeowners wanting to sell their property are often surprised to learn of how much competition is on the market at any given time. Competition is tough, regardless of the economic environment. Without a cohesive strategy, a home can sit on the market far longer than the seller can afford.

Selling a home is part art, part science. While there are empirical statistics a seller can consult, there are an equal amount of anecdotal circumstances that must be observed.

* Price the Home Objectively

Homeowners often have a biased view of their property’s worth. Because a homeowner is able to tally-up the many improvements made to the house in the past, an unrealistic picture forms. While some improvements do add to the value of the home, others are the price of being a homeowner. Remodeling a room is one example of real return-on-investment. But having a mural drawn on a wall by an artist does not add value.

Homeowners should collect the selling price of similar homes in the same area purchased in the past three months. These homes should have nearly the same square footage, same number of bedrooms and same number of bathrooms. Taking the average sales price of these comparable’s will give a homeowner the true market value of his property.Your agent will help you withthis.

* Make Necessary Repairs

Minor home improvements can bring a big return. Fixing rotting eves, brushing on a fresh coat of paint, raking up leaves, spreading mulch and planting flowers will spruce up a home’s curb appeal. On the inside, cleaning the home from top to bottom is absolutely necessary. Floors should be cleared of clutter, as well as walls. Buyer’s don’t want to see another family’s life, they want to imagine theirs.

A bit of landscaping, some interior de-cluttering will take a home from maybe to must-have in the minds of buyers.

* Make the Home Accessible

Homeowners, which insist on “appointment only”, are banking on the right buyers to walk in on their terms alone. In the real estate market, there is a substantial amount of luck in the selling and buying process. By making a home accessible on the terms of buyer pool, a seller will see more offers.

* Market Your Home

Sellers willing to put their home on the market have already made the commitment to sell. But not going the extra mile means waiting and waiting. Use social media to get a home in front of more eyes and above all pick a Seasoned Real EState Agent to help you.

The most important thing to remember is to think like a buyer. By putting on a buyer’s shoes, a seller will have a clear idea of how to make the home presentable.

Investing In Real Estate: Simple Tips And Tricks added 3-2-2017

Making money in real estate may sound easy, but they don't realize how much you need to learn. You have no power to shape the property market, but you sure can understand the moves you make within the market.

Do proper research on the market prior to making a real estate investing. Look at a bunch of properties to get a good idea on what locations are successful, and create a spreadsheet with each one. Things to list include current pricing, expected rent, and repair budgets.This will help you figure out which deals instead of ones that are the best.

Your reputation is essential to the success of utmost importance when you venture into real estate investments.This can build up your credibility around town that will make people more loyal clients.

Get to know others in real estate market. It's a good idea to talk to other people and to hear what kinds of advice from those more experienced than you. It can be helpful to have a few real estate investor friends. You can find a community of investors on the Internet. Join a few forums and make an effort to meet some of the users.

Do not make the assumption that property values will go up in value. This assumption is risky in this market and for any one piece of property. The safest thing to do is to invest in real estate that will net you can obtain a positive cash flow right away. Property value increases will definitely be good for your income.

You might be surprised to find most people negotiate against their own interests when they have the chance to just run their mouth. When listening, you can catch the right moments to position yourself at the price which you desire.

When buying a property that you intend to rent out to others, be wary of whom you choose as tenants. The person will need to be able to pay both the first month along with a deposit ahead of time. If they can't get that kind of money together at the start, they aren't a reliable bet for you. Keep on looking for better tenets.

Don't get real estate that is in a less than desirable neighborhood. Be sure you're noticing the location where you intend to buy. Do your homework in advance. A great deal on a nice house may mean that it's in a bad area. It might be damaged and runs the risk of being vandalized.

You are no doubt excited by the information you've just read. Do not jump in too soon and plan carefully before you purchase a property. Following this advice will make you much more likely to succeed.

How To reduce Your Home Insurance Premium added 2-3-2017

The only time you are not required to get home insurance is if you purchase your home outright. The average person has to get it in order to protect the money the bank has invested into their home. Even though it is required, you should still do your research so you are not stuck paying an arm and a leg.

One way to save a few bucks on the cost of your insurance is to choose to pay a higher deductible. This means that you will have to pay a higher amount if anything happens, but you will not have to pay as you already do each month. This is not very practical for people that live in high risk zones.

Try getting a policy that has home and auto insurance combined. These are two products you need, so it is a good idea to get them in a bundle. Buying them together usually makes you eligible for a good amount of discounts.

Adding a security system to your home is a good way to save a few dollars on your insurance. Companies feel like you are safer because you add an alarm and the likelihood of theft is much lower. Shop around and find a security system that is good quality and at a good price.

There are sometimes discounts available for people that meet a certain demographic. For example, many people are eligible for discounts because they are over the age of 65. Do your research to see if any of these type of discounts are available for you.

Homeowners insurance is not something that many people can avoid. Take your time to do research and you will end up paying a bit less than you expected. The tips here have outlined several ways you can lower your monthly payments.

Why the Warm Climate of Islamorada Is Healthier For You added 1-3-2017

Year after year, you continue putting up with the sleet, the ice and the snow, as you commute to work and then back home again in the dark. Perhaps you enjoy the leaves changing colors in the fall before your very eyes and watching the pure white snow when it first starts coming down. However, those joyful moments can turn into anger and frustration rather quickly after you have spent hours raking leaves out of your yard, and then see it completely covered again in a short amount of time. The same is true of the snow, it just keeps on falling over and over again, and you are forced to keep shoveling your driveway repeatedly.

Also, with each passing year it seems to get more difficult to keep yourself in shape. You continue adding pounds even though you're familiar with all of the trainers at your local gym. Your battle with your weight continues to rage and you blame it on growing older. Of course that is true to a certain extent, because your health is being adversely affected by the cold weather. People who live in warm areas such as Islamorada, Florida enjoy much healthier lifestyles.

Reasons Why A Cold Climate Isn't Good For Your Health

Having to constantly battle keeping your weight under control due to living in an area that causes you to gain weight is one of the main reasons. Being exposed to cold weather every year as you continue to grow older means you need to have more insulation in order to keep warm.

Your body stores more fat in response to this need. It is physiological and having that added weight places extra strain on your body. Your joints, feet and back all have to do extra work in order to carry the extra weight. There is more stress put on your heart as well. We are all aware the excessive weight can increase our risk for stroke, irregular heartbeat, heart attack and hypertension.

The cold also negatively impacts your body since there are many months when you are limited to not being able to participate in active recreation. With spring and summer so short, you aren't able to do as many outdoor activities, which results in having fewer chances to play and exercise outdoors.

There is the mental health aspect as well. If you have ever had the winter blues or seasonal affective disorder, it's due to your climate. Congestion and traffic causes stress, and you are also more susceptible to depression and anxiety.

Why A Warm Climate Is Healthier For You

When you have more opportunities for doing things outdoors, it's much easier to stay active, which is of course beneficial to your health. Your body won't need to store as much fat when you live in a warm climate. Also, the climate will allow you to enjoy the outdoors for many more months without all the stress of the big city.

If you think living in the Sunshine State is too expensive, you are mistaken. It is quite affordable to live in Islamorada. The area offers a wide range of different property styles. Also utility bills are lower than in the northeast and midwest, there isn't any state income tax and property taxes are also low.

With more loan options available, affordable home price and low interest rates, it a great time for you to make a move. Let me help you with buying or selling Islamorada Real Estate please contact me

Comparing Home Owner Insurance Quotes added 11-3-12016

If you’re in the market for a home owner insurance policy, but are having a difficult time choosing a home owner insurance company among the many that have given you quotes, you’re going to need to set aside some time to thoroughly compare home owner insurance quotes you’ve been offered thus far.

Regardless of how you’ve found the home owner insurance companies from which you’re considering purchasing your home owner insurance policy (in person or on the Internet), make sure the home owner insurance company has asked for an inventory of your home. Home owner insurance companies want to know exactly what it is they’re insurance before they offer a quote. If you accept a quote and purchase a home owner insurance policy from a company that doesn’t know what it’s insuring, you may find yourself high and dry if you ever need your home owner insurance policy, i.e., your home catches fire or is burglarized.

Going along with the above, always read the fine print. After you’ve been offered a home owner insurance quote, find out exactly what is covered, what isn’t, and what you may need to purchase additional coverage for. Some home owner insurance companies may not cover everything in your home; some may. A deciding factor for you will be whether or not you’re willing to move your valuable to another location (safety deposit box in a bank), or purchase additional coverage. You may be offered a cheaper home owner insurance quote if you decide to relocate your expensive valuables, or if you purchase additional coverage; however, you must take into account the extra cost of storing your things elsewhere, or the additional coverage.

In the end, always talk with a live person. Ask questions about what you don’t understand. If you don’t feel comfortable with the answers or with any of the home owner insurance quotes you’ve been offered thus far – don’t settle. Keep looking.

Tax implications of using a home as a rental-added 10-10 2016

So, you’ve bought a second home as a vacation property and you absolutely love the fact that you and your family have a place to stay and can take a few days offs on a whim. Still, the property isn’t free and you’re considering renting it out--at least for a few weeks or maybe a season.

The problem is, you’re just not sure how long you ought to rent it out because you're also unsure as to what Uncle Sam will have to do with that extra income. You do know that practically any income is taxable and want to know what’s the best rental situation for you.

The answer really lies in how much you use the property, not somebody else. It also depends largely on your willingness to be a short term landlord. So, let’s look at some possibilities.

Types of Rental Income

Basically, as far as the Internal Revenue Service is concerned, there are three kinds of rental properties:

● The property is rented out to temporary tenants for most of the calendar year
● The property is only rented for a short period
● The property is just rented when you aren’t vacationing in it

As you can see, it’s a mixture of personal use and income generation. The IRS puts the otis on those two qualifiers; and, it’s up to you to how much you use it and how much someone else pays you to stay there.

A Vacation Home as a Full Time Rental Property

Let’s suppose it’s the case you vacationed in your second home quite a bit in the past, but now, that’s no longer the case for whatever reason. You don’t want to give up the equity its built, nor the leverage to purchase another property, and want to avoid the hassle of selling.

You stay there only 14 days a year or ten percent of the total time compared to its use as a rental. The income is taxable, but there are deductions which go along with such situations, like mortgage interest, maintenance, insurance, depreciation, and taxes and utilities, to name a few.

Short Term Rental Situations

If you still stay in your second home a lot, but only rent it for 14 or fewer days, it doesn’t matter how much income that temporary stay generated. It breaks down into the number of days, the number of renters, and that gets a bit complicated. Speak with a CPA or tax attorney for your specific situation.

Mixed Use

Where a tax professional is an absolute necessity is when you stay in the home for more than two weeks a year, yet rent it for a far great length of time. You’ll be able to deduct percentages, it just depends on the circumstances.

Selling a Home Faster with Staging  added 9-12-2016

Selling a home in today’s real estate environment can be quite challenging. Because interest rates are near historic lows, lending requirements have loosened, more mortgage products are available, and banks are trying to overcome their combined estimated defaults of more than $1 trillion, sellers face a lot of competition.

Home staging is where smart sellers turn to gain a substantial advantage over their closest competitors. Home staging is part art, part science, and a vitally important part of selling a home for thousands more on an investment of just a few hundred dollars.

Many sellers make the mistake of believing their properties are already well decorated, but, familiarity is their unseen enemy. Homeowners tend to overlook flaws simply because of their continued exposure. That’s a huge mistake as buyers form their impression of properties in only 7 to 10 second. What’s more, just 1 in 10 people are able to envision a space anyway else than it appears. So, a mere ten percent can imagine a different color scheme or different decor.

Selling a Home Faster with Staging

It should come as no surprise that 90 percent of all soon-to-be homeowners, first see properties on the internet. Those not fitting the cable television and magazine standard won’t be high or even make their lists of properties to visit in-person. Real estate industry statistics reveal that sellers opting for just $500 in home staging results in a whopping 343 percent return on investment.

Time on the market, or what real estate professionals often call, “T.O.M.” or days on the market, for an average home is 102days, just over three months. However, staged homes sell in less than half that amount of time, averaging 45 days, or under two months.

Sellers which committed an investment between 1 percent and 3 percent of their asking price gain an impressive return ranging from 8 percent to 10 percent.

The real phenomenon behind home staging is simple and straightforward; it maximizes and highlights a home’s best features, while minimizing a property’s least desirable features. Professional stagers are able to see a home through a buyer’s eyes, meaning, they can spot problematic areas. Often, stagers will remove personal items and resize furnishings to provide ample flow and maximize space.

The most critical part to selling a home is to sell its best features. There will always be other sellers with lower-priced properties on the market, properties comparable in size, near the same location, and with many creature comforts. Staging gets a home in truly salable condition and makes it a must-see for buyers searching the Internet.

Things You Should Know About Home Owner's Insurance added 8-5-2016

A purchase of a new home requires a lot of management, and it is especially true when looking for the right homeowner's insurance policy. If you never purchased this type of policy before, weaving your way through the paperwork and terminology can be complicated. Keep these ideas in mind when looking for the perfect homeowner's insurance.

You can do two things to lower homeowner's insurance in a couple of ways. The thing thing is putting a security system installed. This may lower your premiums by 5 percent a year. The second thing you can do is to install smoke detectors around your home. You may realize savings of 10 percent annually.

As your family changes in size and the number of material possessions alters, talk with your insurance agent to alter your policy accordingly. You should look to see if coverage limits exist on valuable items exist. If you have a specific valuable possession you want covered, you can request an individual rider to make sure those items are protected against theft.

Flood insurance is a must-have for any house.

You can reduce the cost of your homeowner's insurance premiums by installing tracking devices and alarms.

You can save lots of money on insurance policies if you have a security system. The more you are doing to protect your home, the less of a risk you become, lowering your premium significantly. The monies you save on premiums will soon pay for your security system.

Pay off the mortgage and enjoy reduced insurance premiums. This will help you find the best homeowners insurance rates. A home which is fully owned outright is considered a lower risk because full owners tend to care for than one which is under mortgage to insurers.

Paying your mortgage is a great way in getting a better policy. Insurance companies see clients whose homes are paid off as people who will care of your home once you own it. This can lower your annual premium. Once your mortgage is fully paid, call your insurance company so you can start saving.

Changes within your area might decrease your home insurance premiums.Be on the lookout for new developments near your area regularly, and communicate any updates or changes that might possibly affect your premium.

A home is an important investment, and it is in your best interest to insure it. Home owner's insurance can help you protect your home, but you need to know a few things before buying a policy. Consider these tips when you look for a home insurance policy.

Solar Energy Tips You Can Start Using Today added 7-12-2016

Solar panels have become part of a growing trend in recent times. Many people and corporations are catching on about how beneficial solar energy can be for them. If you are still unsure about solar energy, continue reading!This article can help you current with solar energy.

There are two types of photo-voltaic panels: poly-crystalline and mono-crystalline panels. Poly-crystalline panels tend to be cheaper but they are not as efficient than mono-crystalline panels. Make sure to get the most affordable and efficient product to power your choices before making a final decision.

The density of the solar panels will be dependent on their density. Panels that have higher densities tend to cost more, but they also cost more.Compare the densities of different panels before choosing one to buy.

If you do not want to go all out when using solar power, look into some small solar operated appliances. There are two ways you can go about it. The first is to find window-mounted panels that you can recharge small electronics like phones and tablets and remote controls. The second way is to use solar-powered camping supplies. Every tiny thing you switch to solar will make your energy bill that much cheaper.

You should figure out how you can store energy that's produced from the solar energy system you're using. A quality battery is something that stores a lot of power for a long time or selling energy produced to utility companies can be great ideas.

If you have to have panels that are at a fixed angle, try to position it so it will work for both winter and summer months.

Seek out grants and rebates to help you in paying for the installation of your solar energy system. The initial cost of getting a solar power system set up can be overwhelming, however you can often find help. Look into grants and rebates from your state and federal government that are incentives for using renewable energy. They can significantly reduce the cost considerably. You can even write off some of your taxes.

A panel system is a great way to get started with generating solar power. This sort of system moves with the sun over the course of the day and during all seasons.While they are costly at first, the energy it produces is worth it.

You will benefit from switching to solar power if you are ready to make a long-term investment. You should understand solar energy systems much better now. You should do more research on solar power and take the time to consider your different options before investing in a solar energy system.

Valuable Home Owner's Insurance Advice added 6-2-2016

You spent years watching your children grow older and around it. You have snuggled up with your pets for years in it. Perhaps you yourself grew up there yourself. These are some useful tips will help you choose insurance.

You can reduce the premiums of your homeowners insurance premiums. The first one is to put a security system in burglar alarms. This will potentially reduce premiums by 5 percent. You should also have smoke alarms. This may save up to 10% on your homeowners insurance annually.

If you've got a family, you should evaluate your homeowners' insurance needs as your household shrinks and your material valuables (hopefully) increase. You should look at the policy to determine whether you have coverage limits on valuable items exist. If you have special items that you want to ensure they are covered, request that these are individually taken care of.

Some features of your dwelling will cause your insurance costs (for better or for worse).For instance, owning a pool will increase your insurance costs, insurance costs run higher due to a higher level of liability. Your proximity to emergency services such as fire hydrants also affects the amount you pay for insurance.

Even though you aren't in an area that's prone to flooding, you may need flood insurance. You will also find it cheaper to get lower rates on your flood insurance if the area you live in is low or medium risk.

If you are going to be 55 soon, that's when you should ask for a review of your policy, or at least ask your current insurance carrier for a policy review. Senior citizens often eligible for good insurance discounts. Look for a company that provides this discount.

A security system is a good investment if you are buying homeowner's insurance.This may lower you premiums by more than 5%. Make sure all burglaries or attempted burglaries can be documented for the insurance purposes.

You can save 10 percent on your home owner's insurance premiums by installing fire alarms. Insurance companies will feel that your home is better protected in case of fire and are installed. Some insurers offer even greater discounts for homes with installing several fire alarms.

The proper insurance is perfect for protecting your loved ones, your assets and your home. Do not take the risk of not protecting your home against foreseeable events. Keep this advice in mind to protect your home and your family.


Advantages of Owning Key Largo Commercial Real Estate  added5-2-2016

When it comes to real estate investing, there are certainly a number of choices. Each has its appeal to investors and comes down to what’s the best fit. Of course, you want a good return on investment and there are great advantages of owning Key Largo commercial real estate.


Advantages of Owning Key Largo Commercial Real Estate


Commercial real estate comes in many forms. Though it’s typically associated with retail spaces and office buildings, it can also be industrial structures, warehouses, and mixed use buildings. Of course, there are some distinct advantages of owning Key Largo commercial real estate:


  1. Better income potential. Although residential real estate can produce a nice steady income stream, it’s limited. Commercial real estate, though, produces more income and can be leveraged in different ways to increase what it produces. For instance, the Triple Net Lease or NNN, is something that can be very financially beneficial to a commercial property owner. Another factor is the fact commercial real estate can be scarce, particularly in a place like Key Largo, so, lease rates can be set higher.
  2. Proximity to Miami. Just like the nearness of New York City to the Jersey Shore, when you own Key Largo commercial real estate, there’s only a short distance to Miami, which is a commerce megacenter.
  3. Vested tenants. Unlike residential rental property, commercial tenants take pride in keeping up their storefront appearance. If they don’t, it acts as a drain on their business. As a result, tenants have a vested interest in keeping their lease space clean and in good condition.
  4. Limited operating hours. Unlike residential real estate, commercial tenants usually operate during regular business hours. This parallel is something that’s very beneficial to you because unless there’s an emergency, you won’t be called during the evening hours.
  5. Professional relationships. Another difference between commercial and residential real estate is the contrast in tenant-owner relationship. Since you are leasing to a professional, the relationship between lessor and lessee is professional.
  6. Equity. Yet another huge advantage of Key Largo commercial real estate is its ability to appreciate and earn equity over time. Here again, the finite land factor plays a role, offering more equity build over residential property.


In addition, limited space to build is another positive factor. Because space is at a premium in the Florida Keys, commercial property is always in demand since this is a destination location and is so close to one of the biggest shipping ports in the United States.


Commercial Real Estate Trends for 2016 added 4-4-2016

As everyone in the commercial real estate industry knows, it’s not at all like residential real property markets, but, what happens in one can definitely affect the other. For instance, during the national economic downturn at the last part of the first decade of the century, consumers began to cut back discretionary spending. Then, more in more categories of spending. Eventually, this put undue pressure on retailers, causing commercial spaces to be vacated and left without revenue flows. Now, we’re taking a look at the commercial real estate trends for 2016.

Commercial Real Estate Trends for 2016

Commercial real estate greatly differs from the residential real property market, and, we can look at it as one dynamic. What’s happening in key places is what will likely dictate outcomes as the year unfolds. Here’s a look at commercial real estate trends for 2016:

● Urbanization is rising globally. The days of being “in-town” are increasingly a memory of the collective American experience. Suburban areas are now populated with mixed use real estate improvements. What’s more, over the course of the past decade, more millennials are moving into urban environments across the globe. Even in suburban areas, commercial real estate growth will be needed to accommodate consumers moving into the full time workforce.
● Interest rates will continue to rise. It’s well know the Federal Reserve is moving away from its long quantitative easing policy and is set to gradually raise the Federal Funds Rate. Although there has been some increase, subsequent hikes will be soundly tempered by surround market factors and forces.
● The access to capital is growing, too. This is to say, it’s growing from nontraditional investors. For instance, litigation funding, the practice of pooling investor money to finance the cost of a shoe-in lawsuit, is becoming a go-to source in the legal profession. Much the same, venture capital provides opportunities outside traditional debt-instrument providers, like banks.
● Traditional lenders remain risk adverse. The lessons learned during the national housing bubble burst have not been forgotten. Though lending standards have loosened, commercial real estate is a different matter. However, foreign investors represent a new wave of buyers and even when it’s in an area of residential housing, commercial property is a necessity for those living and working in said localities.

With this combination of factors, residential, multi-unit family housing will probably be in strong demand as the months tick off the calendar year. Overall, this year is forecast to look much like it did through 2015. In some key markets, commercial real estate is in for a good year.


Finding the best Lender for a Home loan added 3-2-2016

When you are in the market to buy a home and have saved a down payment, gone over your credit reports, and are now looking for a lender, you’ll want the best deal possible. Over the course of the home loan, you’ll pay a significant amount of money in interest, even if you pay upfront points at closing. One of the biggest mistakes homebuyers can make is to not shop for a mortgage lender. It’s important to understand that not all lenders are the same (or offer the same products). Here are some helpful tips for finding the best lender for your home loan:

● Compare like products as apples to apples. There are many types of mortgage debt instrument products available on the market. You’ll hear things like, “FHA,” “conventional,” “VA,” “USDA,” and “non-conventional.” Those are more-or-less generic terms and can be misnomers if you don’t know the details of what each includes and doesn’t include. Remember the adage, “The devil is in the details,” and you’ll make a more informed decision when choosing a lender for your home loan.
● Interview the person who will handle your mortgage. While it might seem like everything is online and automated, there’s still plenty of people to meet face-to-face in the mortgage lending industry and you should strive to take full advantage of this. There’s simply no substitute for being able to ask questions and get answers directly.
● Look at other costs that aren’t charged directly by the lender. When you apply for a home loan, you’ll be given paperwork that will show all costs associated with the mortgage. Some of these line items won’t be charged by the lender directly and you should know upfront what these are and how much each costs.
● Find the best home loan program for your own particular situation. Just because you belong to this or that organization doesn’t mean you should automatically go with a particular lender.
● Don’t hold back any details when you are asking for mortgage quotes. When you speak with a lender to get a quote, it’ll be very tempting to hold back detailed information because it’s just too personal to share. That’s a huge mistake and you should give the lender all the details so you aren’t unpleasantly surprised at an inopportune time.

Another step you can take to find the best lender for your home loan is to look at customer reviews, as well as consumer resources to learn as much as you can about possible lenders.


Making a New Home in the Upper Keys added 2-2- 2016

The Upper Keys, which includes Islamorada and Key Largo, is a great place to live. Are you thinking about uprooting yourself and settling down in the area? The lifestyle is wonderful; the weather is gorgeous all year round, the beaches are fantastic and there are so many activities to engage in, like scuba diving, fishing and swimming.

You are probably excited to find out more about life in the Upper Keys. The truth is, living there is an incredible opportunity, as the area is filled with talented eclectic individuals that make the place unique. You may find that your charter boat captain was actually a successful lawyer in another life or the photographer that you hire to take your anniversary photos used to be a primary care physician.

However, as different as all these people may be, they all have something that links them together. They all love being outside and they want to have the best life possible. They know that you can find happiness wherever you are. And if you decide to find that happiness in the Florida Keys, there are several points to keep in mind to ensure that the transition is as easy as possible.

Moving to the Upper Keys

The weather is something that we need to make note of from the very beginning. Most people are attracted to the Upper Keys because of the weather; you won't see snow, but you will see ice. That is, you will see lots of ice in those cool drinks that you take outside to enjoy the beautiful warm weather. In the summer, the temperatures hover in the 80s. In the winter, the temperatures stay in the 60s and 70s. It doesn't get much better than that!

People are relaxed in the Upper Keys. You can take your time and enjoy your surroundings, because life doesn't move at a fast pace there. You also don't have to worry about dressing up; casual attire is more than acceptable, due to the lifestyle and the weather. And, because it stays so nice, you can do something outside almost every day of the year if you would like.

Are you ready to go? Relocation doesn't have to be stressful. Start viewing properties as soon as you can. There are a lot of options; for example, if you are looking for something a little smaller, go with a condo. If you need more space, view a few modern homes. Keep in mind, though, that the market moves fast.

After you find your dream home, get a driver's license from Florida and get new plates. Submit your change of address and get ready to welcome friends and family that can't wait to come and see you!

Consider Your Parking Options for Commercial Office Space added 1-4-2016

When you’re ready to rent commercial office space, you’ll likely be concerned with three big factors: it’s cost, location, and square footage. After all, you’ll want to stay under budget, be in an easily accessible and nice location, and, have enough square footage to not only accommodate your current needs, but some to grow into in the future. What you might not stop to consider or think about enough, is parking options for you, your staff, and clients.

Consider Your Parking Options for Commercial Office Space

We’ve all experienced times when finding a parking space is a real, inconvenient issue. You have a schedule to keep and instead of getting where you need to go, are meandering around trying desperately to find somewhere to park. Even in those instances where ample parking is available, it might be too expensive.

Leasing a commercial property means having to take a lot of things under consideration and parking is no exception. You’ll have to look for a commercial office space that’s able to accommodate your business’ needs, meaning your employees and customers. Here are some considerations about parking when leasing commercial office space:

● Types of parking spaces. For many commercial areas that serve as office spaces, there’s often assigned parking spots for owners, management, employees, and visitors. Depending on the commercial space and your needs, you should assess the situation to see if it’s a good fit for your business. In other words, if there’s few visitors spaces compared to dozens or scores of visitor spaces, that might not work.
● Number of parking spaces. This goes along with the point above, and, should also be a consideration. It’s not just the type of spaces on the property itself, but also, those on the street and neighboring commercial spaces. For instance, an office park might have few parking spots on-site, but several just across the street. If this is the case, you’ll need to know if there’s a charge or validation process.
● Hours of use. In some cases, parking is limited to specific hours. This can happen in office buildings where a special code, key, or other type of access is needed to park on-site. While this might not present a problem for clients, it might for staff.
● Parking lease inclusion. One thing you ought to ask the leasing company about is if parking is included in the lease itself. As with most things in business, this should be in writing and be specific about assigned versus visitor parking, and, the number of spaces.

Real Estate comparison of assessment vs appraisal added 12-1

One of the most common confusions about residential real estate is the difference between assessments and appraisals. Though these sound quite similar, not only in pronunciation, but also in practice, there are real contrasts. Homeowners and home buyers tend to intermingle the two valuations semantically and when speaking about a property’s actual value.

The truth is both are used to determine value, but, for very different purposes. What’s most notable between the two is the end calculation -- one will quite different than the other. Whether you are buying or selling a home, understanding the difference between an assessment and an appraisal is very important because one won’t be an accurate valuation. Here’s a comparison between an assessment and an appraisal:


Assessments are typically conducted by a local municipality for purposes of determining value for property taxes. Homes are not inspected and toured, but, are assigned a value based on size, location, and use (residential versus commercial). These tend to look at the neighborhood as a whole rather than individual properties. The only difference is livable square footage when it comes to assessing a home.

Appraisals are specific to a particular property, however, the condition of the neighborhood does factor into the ultimate value. Appraisers are licensed professionals who are often contracted by lenders in order to determine the true market value of a home. An appraisal is a professional opinion about the market value of a property in relation to a real estate sales transaction.


Assessments are not conducted on a routine basis, but, are generally reassessed annually or even once every two to three years. Because of the long periods between assessments, these do not keep up with the rise and fall of real estate values. What this means is that the assessed value of a home could be artificially high or low. In the case of the former, this causes an owner to pay more in property taxes than should be the case.


The difference between calculating an assessment and an appraisal are quite starke. Assessments are calculated based on the location, livable square footage, and any other known improvements. Appraisals are calculated based on local market conditions, comparable properties, improvements, condition, and many other factors. This is why lenders rely so heavily on appraisals when approving mortgage loans.

If you are buying or selling a home, it’s best to have a real estate professional conduct a comparative market analysis to determine the value. These are much like appraisals and are what’s most often used to set a listing price.

Moving during the Peak Season added 11-4

Though the summer months, from June through August, it’s peak moving season. The reasons are quite obvious: this is the time when children are out of school, it coincides with home buying season, and, it’s also when the weather is the most cooperative.

That means if you’re going to move during the days of summer, you will be paying more and have less flexibility in coordinating your schedule. Moving is one thing in life that typically finds its way to the very top of the “ugh” list because it can be so much work and unpredictable. Here are some helpful tips for moving during peak season:

● Plan well in advance. Don’t start calling moving companies a few weeks before you are ready to move. Instead, do this months in advance to be able to schedule a day and time before they’re committed to other customers. Don’t just call any service, consult the local Better Business Bureau and contact each one to get estimates. Review those carefully to compare each and choose the best fit.
● Lighten your load. Speaking of planning ahead, a few months before your move, begin a purging process. Start sorting as soon as possible, putting things into three piles: stuff to sell and give away, things you’ll personally move (like pets, jewelry and other valuables), and, possessions the movers will transport.
● Set a realistic budget. The estimates will be very helpful, but probably fall a bit short. So, add between 10 and 15 percent to the total for contingencies. You’ll also need money set aside for necessities like food and utility deposits.
● Specific your needs and requirements. If you’re move includes things such as a piano or antique furniture that needs extra care, tell the movers about it. The more information you provide, the better your experience will be and the less time it will take.
● Pack a bag or two of supplies. Don’t forget to pack a bag or two of supplies such as toiletries, snacks, plastic utensils, some paper plates and paper towels, and other necessities. In addition, a first aid kit, batteries, and common hand tools will also come in handy.

Another thing you can do is to move as much as possible during the interim, if possible. The more you move on your own, the less you’ll pay to transport. The items you ought to move on your own are valuables. This will reduce the risk of suffering losses or breakage and give you more peace of mind.

What to keep in mind when buying a Pre-construction Condo Added 10-2

Buying a home before it’s built is a chance to save, but, it’s also a time that’s full of nail biting scenarios. If you’re interest is piqued about buying a pre-construction condo, there are definitely things you ought to know before you make a purchase commitment. While you’re certainly likely to find tempting incentives to buy a pre-construction condo, it’s what you don’t know and what’s not yet occurred that can hurt you the most.

Buying a pre-construction property is usually to get a deal. Since the property isn’t yet constructed, you’re relying on architectural renderings and developer promises. Because you can’t actually tour the property, many things will be a mockup, and not how the finished product will look. Here are some more things to keep in mind when buying a pre-construction condo:

● The price isn’t necessarily fixed. Cost overruns are common in construction, and, while the listing price might not change, there could be additional costs to cover contingencies and/or custom upgrades.
● The number of owner residents will be an estimate. The number of units isn’t necessarily equal to the number of owners. While the developer will work hard to sell all units as early in the process as possible, there will likely be unsold units after construction completion. The fewer owners, the higher maintenance fees will be for residents.
● Plans change as construction occurs. The renderings are concepts, and, the actual units might have different layouts, sizes, and other changes as construction occurs.
● There are no association reserves. Any new development that’s going to be in a homeowner's association won’t have reserves built-up. HOA fees, in part, go to fund reserves for large projects in the future, like repaving roads or pool resurfacing.
● Maintenance fees can be high in the early years. There are two primary reasons for this phenomenon: not all units sell and there are no association reserves. Know it’s a real possibility maintenance fees will be more expensive in the first couple to few years.
● Speak with your lender about possible contingencies impacting financing approval. Another consideration to take into account is mortgage approval. Your financing might not be approved if the developer isn’t able to sell a majority of the units.

Before you commit to buy, you should learn as much as you can about the developer. Research past projects and speak with residents of those communities about their experiences. You should also search the clerk of courts’ office where the developer is headquartered to learn if the company is named as a defendant regarding other communities it built.

Importance of a Real Estate Agents having Good Negotiating Added 9-1

As consumers, we are certainly a strange bunch. Before going on vacation to a new destination, we’ll go over every single review site and hunt high and low for the best deal. We’ll plan each day out to the minute and stick to our itineraries just to ensure nothing is missed. Prior to purchasing a new television, we’ll do much the same--go over all the customer reviews, compare models, and of course, hunt for the best price.

When it comes to buying or selling a home, we let our guard down. Choosing the right real estate agent is imperative to getting the best deal, whether buying or selling. It’s not just knowledge of the local market, and, a great presentation, but negotiating skills. Simply put, the more deals an agent brokers successfully each year, the more he or she demonstrates his or her ability to get things done.

Importance of a Real Estate Agents having Good Negotiating Skills

It’s true, you need an agent that is intimately familiar with the local market, understands the buying and selling processes, and, is able to get deals to the closing table with both sides coming and leaving happy. You can’t go with an agent because of style, their presentation, or ability to impress with statistics. You do, however, need an agent, that can clearly show you a track record of success. That necessarily includes good negotiating skills, and here are some reasons this is so important:

● You want an agent that is about you, not them. Sure, a good agent will broker a better deal for you, which means a bigger commission for him or her, but, that’s a win-win scenario. You also want a real estate agent that won’t back down, to the other party, or, even to you. A truly helpful agent won’t let you make a bad decision without ample warning.
● You don’t know who is on the other side of the table. Personalities and business skills come in all shapes and sizes. If your agent is skillful at striking a good deal, you have a friend that’s looking out for your best interest and not letting you walk into a bad deal unknowingly.
● You should be able to put a trustworthy person between you and the other party. Good negotiators not only know how to play the game, and, do so without you being involved in every conversation. Both selling and buying are emotional traps, and, a good agent treats it as a business transaction.

Remember, it isn’t always about getting the ideal price, in some instances, you come out better through contingencies.

Importance of Choosing a Professional Home Inspector added 8-1

Buying a home is a long, patience taking task. The process begins with a nervous wait on the home loan approval for a mortgage and is stepped-up when you begin to see all the choices. From there, a strange thing happens, which is to say, those dozens to score of properties you see begin to blend together. You simply can’t remember which is which, and, that can have a negative impact on your attitude.

You then begin to employ a little strategy and develop a system to keep things straight. Now, you’ll begin to focus on a few choices, and, eventually, be making the choice between just a couple or few properties. This is when you’ll want to learn all you can about your favorite one, and, that means getting it inspected to avoid unpleasant surprises.

Importance of Choosing a Professional Home Inspector

Of course, you don’t want to hire a home inspector that doesn’t deliver. You’re looking for an experienced professional that has a reputation for doing things right. Like many things in life, you need to be educated about what to expect, and, you should take your time before selecting a home inspector.

Your first stops are family, friend, and coworker recommendations, along with looking for a few inspectors on sites like the local Better Business Bureau. You can also search local court records to ensure the individuals on your list aren’t being sued by unhappy buyers and sellers. You should do what you can to choose a quality professional and here are some reasons why:

● You can’t expect the current owners to know everything. Let’s face it, the vast majority of home sellers are honest and aren’t trying to get away with something. Unfortunately for you and them, there’s just no way to know everything about a home’s condition.
● You don’t want to encounter unexpected expenses. This is a takeoff from the above bullet point. There are things which are obvious and things which are very subtle. The home inspection could well uncover a future problem, meaning, a system that’s under stress and will fail at some point.
● You don’t know what you don’t know and that’s dangerous. There are items in every house that look just fine and seem to function normally. These are the very items that blow-up out of nowhere. Put another way, you can’t expect the seller to disclose everything they know.

You won’t find yourself in a heartbreaking situation. If you don’t choose the right inspector, something could get missed and you only learn when it’s too late. On the flip side, you might have to walk away, even if you really love the home.

Commercial Construction Tips added 7-4

Building a commercial property isn’t at all like building a residential home. There are many differences between the two precisely because of the property itself, and, the construction process. Since commercial construction is designed for retail, professional office, workshops, or, even multi-family, it has very specific requirements from the municipality, county, and even the state.

Commercial construction, by its very nature, is large, covering much land. Therefore, when you are getting involved in commercial construction, you need to know some basic information about it. Having a real estate broker or agent that’s experienced in such properties is a very good idea. You should also speak with a real estate attorney.

Commercial Construction Tips

Because commercial construction is such a big project, it entail many things that you won’t find accompanying residential homes. Here are some tips that you can use:

● Hire an experienced architect. This is the first big difference between residential and commercial construction. You’ll need a professional commercial architect to draw the plans. These will be submitted for official approval by local governments and need to adhere to all of their building codes and standards.
● Consult an engineer. Though an architect will likely design the structure and draw its plans, you’ll need an engineer to give it approval its structural components and integrity. It will have to be equipped with certain features in order to pass inspection later on in the process.
● Hire the right contractor. This is definitely not a project to give to an ametuer contractor. You’ll need a builder that’s done this many times before and knows precisely what to expect and who is prepared to deal with contingencies. Solicit a number of companies for bids and be sure to read over every proposal carefully.
● Learn all about permitting and inspections. You’ll have many agencies to deal with before, during, and after the building is erected. From the local fire department, to environmental regulations, and more. Because commercial buildings are typically visited by the public, the building will be up to a high level of scrutiny.
● Get your financing lined-up early on. You’ll definitely discover the importance of having capital available for commercial construction. You ought to have every aspect covered and nailed-down, so you don’t find yourself in the unenviable position of having to make changes late in the process. Such changes are very costly as well as time consuming.
● Be sure that everyone involved adheres to the timeline. In commercial construction, contingencies are inevitable, but that doesn’t mean you can’t finish within your timeframe. Ensure that everyone is familiar and onboard with the timeline.


Top 5 Tips for a Profitable Real Estate Investment ADDED 6-2

Before you buy a property, be it your primary residence or an investment home, you ought to know which properties to put at the top of your list and why. Investing in real estate, like in mutual funds in the market, is a long term buy and hold proposition in most instances. Even if you plan to purchase, rehab, and flip, the same principles still apply. Simply put, there is no way around these guidelines because each will significant impact the value of your property.

While some will have a positive impact, others might have a negative impact. Unlike some propositions, the negative factors, even small ones, can have a massive downside that makes appreciation and selling difficult, if not downright improbable.

Top 5 Tips for a Profitable Real Estate Investment

When you in the market to buy a home, whether it’s going to be your home or an investment property, you ought to know the biggest factors which make it worthwhile or worthless. Here are the top tips to turn a profitable real estate investment:

● Know the local market inside-out. You’ve undoubtedly heard the cliche real estate is all about “location, location, location,” and, there is a good reason. You are buying into the neighborhood, not just a home. While you can change the interior and exterior of your home, you can’t change the neighborhood. The best home on an undesirable block will most likely remain just that for years and years.
● Look for signs of growth around the neighborhood. A very positive sign is nearby development, be it new construction, retail spaces, or, a school. Developers often chose an area because of its potential and this means if they are building nearby, the home you purchase will gain a lot more value.
● Understand local property taxes. You’ll probably want to purchase a home that doesn’t have a heavy tax burden. However, an area with really low property taxes isn’t as likely to become in-demand, which means slow equity growth.
● Know the area’s schools’ rankings in advance. Even if you don’t have children, you ought to buy a home that’s served by a school or schools with high rankings. This is because if you want or have to sell in the future, you’ll increase your ability to sell quickly, and, for a higher price if you can sell to a family that needs a good school.
● Chose a property that’s nearby a metropolitan area. While you may not want to live downtown or in a metro setting, you’ll still benefit in buying a property that’s nearby a city. These will have a greater rate of appreciation and allow you to be nearby shopping, dining, and more.


How to Properly Analyze an Investment Property added 5-5-2015

There are many who would embrace the opportunity to invest in a rental or vacation rental property. It’s widely understood the greatest aspect of real estate is its appreciation. Over time, real property grows in value while any debt leveraged against the investment is amortized. The equity gain is, over the long term, steady, upward, and unending. This is why real estate is a sound and profitable investment.

However, just like a mutual fund or single stocks, though these too rise in value over time, can fall in value. Although these can be temporary decreases, the net impact can be emotionally and psychologically devastating. In the financial world, this phenomenon is referred to as a “paper loss,” because it’s precisely that--no real loss on investment is realized until the assets are sold. Real estate presents a similar, but different problem, and, it comes at the buy.

When Money is Made in Real Estate

Unlike stocks and mutual funds, the money you’ll make in a real estate investment is at the buy. The time of purchase, and, the amount, is critical to having a worthwhile investment. When you buy an investment property, you’re not just purchasing a single residence, you’re buying into the neighborhood. No matter the condition or features of a property, if it isn’t in a good neighborhood, it won’t be a good investment. This is why it is paramount you properly analyze an investment property before you make it an investment.

How to Properly Analyze an Investment Property

To properly calculate the worth, value, and income of an investment property, you must understand and have a clear and sound set of calculations. Some are estimable numbers, while others will be educated predictions. Here are the factors necessary to properly analyze and investment property:

Evaluate the neighborhood. Though previously mentioned, this bears repeating because it’s so important. The value of a home will be dictated by its location. This is the reason the cliche, “location, location, location,” exists. It’s quite accurate, and telling, because a great home in a mediocre or less than desirable location will never appreciate to its full potential.

Know the associated costs. The purchase price is only one of many other expenses. There are taxes, insurance, maintenance, repairs, and renovation costs. Then, there are other expenses, such as vacancy periods and replacement costs.

Be realistic about the purchase. If you’re taking out a mortgage, you’re taking on inherent risks--the better your cash position, the better the investment.

Never overlook flaws or distrust your instinct. There are hundreds of properties which are currently, or soon will be, on the market. Don’t make a decision to buy simply because of the “timing.”

In addition to these, be ready to be a landlord. This isn’t a job for everyone and you’ll have to be comfortable with managing a property and dealing with all kinds of situations.


Reasons to Lease a Serviced Office added 4-1-2015

Everyone that goes into business on his or her own wants things to run smoothly, build-up a nice book of business, and keep expenses low. It’s true the number one reason businesses fail is due to debt. Taking out a loan ups the ante when it comes to risk , because you have to pay back the principal and interest. The second reason for business failure is actually an irony--too much success. In other words, not being able to meet demand.

The best way to go into business is to do so with little to no debt and have an affordable place that’s both convenient and professional. Office space, as you’ll discover, isn’t necessarily inexpensive and the costs only rise as you add necessities, such as furniture, equipment, and maintenance. While most offices are leased as-is and empty, a serviced office offers a lot for an affordable price.

Reasons to Lease a Serviced Office

When you start a business, you’ll find there are many things to take care of prior to opening your office doors. Here are some good reasons why choosing a serviced office is a sound business decision:

● Serviced offices come well-equipped. In most cases, you’ll find everything you’ll need in furnishings in a serviced office. These generally include desks, chairs, tables, file cabinets, and even stationary. Some serviced offices also provide telephones.
● Utilities are generally included. In a typical office lease, you’ll have to schedule the hook-up of utilities, for electricity, water, trash, and internet. Serviced offices generally include utilities in the cost of the lease. This means you won’t have to keep track of utility bills and will enjoy the convenience of having less to jungle.
● Better facilities. When you lease an office, there’s often no guarantee you’ll have the budget to get one that’s fully equipped with things like a conference room or a reception area. Serviced offices generally provide these and the costs are also rolled into the lease. In addition, you’ll have ample parking and even refreshments for clients.
● More convenient services. In a typical office lease scenario, you’ll have to hire your own cleaning service, but not in a serviced office. Not only will your office be cleaned, you’ll also have the benefit of having other services, such as mail and courier services.

Starting a business means having to pay for a lot of out-of-pocket expenses and doing so on a tight budget. Not only does this stretch your wallet thin, you’ll also have the task of getting all the furniture, equipment, and utilities. However, a serviced office provides most of these with your lease and let’s you get to the business of doing business.
For Help Buying or Selling Upper Keys Commercial Real Estate please contact me


What You Should Know About Investing In Waterfront Properties In The Keys added 3-3-2015

Whenever you're thinking of purchasing a property, you are wise to think about the future. Are you planning to buy this property as a primary home, or do you plan to simply invest in it and lease it out? No matter what kind of property you buy, it's an investment; however, a primary home and a rental property are different kinds of investments.

Any property is a genuine and tangible investment. Not only are you investing in the land, but also in any structures that may exist or any that you may add. Of course the land is primary, so one of your main considerations in selecting a property for investment is to find a desirable location. There's really no place better to invest in property in the Florida Keys.

Why Is Investment In The Florida Keys Desirable?

There are a lot of high-end areas across the United States where you could invest in property; however, there are very few that are is inviting and gorgeous as the Florida Keys. During the winter, daytime temperatures are in the 60s and 70s and remain comfortable during the night.

This in itself is an excellent selling point for waterfront property in the Keys. There are many other good reasons to invest in this area. For example the accessibility of the land. The property itself is a prime commodity because open areas for building are so rare in this area.

Buying Florida Keys Waterfront Property Provides Genuine Investment Advantages

There are many advantages to investing in prime land in the Florida Keys. It's an amazing location that is an extremely high demand. Here are some of the many advantages and benefits of purchasing waterfront homes located in the Florida Keys:

1. People will always want this property! Generally speaking when you invest in a rental property, you should expect not to get any rental income or the first 3 to 6 months. When you invest in a rental property in the Florida Keys, you can forgo that expectation. You will have no problem renting your property.

2. Reliable supplemental income. Not only can you count on being able to rent your property out right away, you can also count on keeping it rented out. People want to visit the Florida Keys at all times of year. This means a nice steady income for you.

3. Exceptional appreciation. When compared with landlocked real property, waterfront property appreciates more as time passes. You can expect your Florida Keys property to bring you a nice profit if and when you decide to sell it.

4. Advantageous for tax purposes. When you invest in residential property can take advantage of a number of specific tax write-offs. If you decide you want to sell this property and invest in another one, you will enjoy other tax advantages.

5. Borrowing leverage. When you own a property on the waterfront in the Florida Keys, you have good leverage whenever you need to borrow money to buy another investment. Owning a solid and valuable piece of property will help you continue to build your real estate portfolio and to prosper.


Tips for Flipping Commercial Real Estate    added 2-3-2015

Cable television portrays flipping residential and commercial properties as dramas, largely because that’s what gets more viewers and up ratings, thereby increasing advertising rates. In the real world, however, it’s more than scripts thrown together to draw in viewers, it’s about real money and one venture could mean long lasting financial harm.

Flipping real estate is a simple equation, though practice is altogether different. The scenario goes like this: you find a commercial property for a significant discount. The amount of the purchase must be enough to cover any remodeling or refurbishing, plus contingencies, which range between 10 and 15 percent. The sale price must be 10 percent to 20 percent more than all the expenditures combined.

Tips for Flipping Commercial Real Estat

To realize a significant profit, you’ll have to be in-the-know about the entire process and what it entails. Of course, there’s far more to flipping real estate than what you’ll see on television. Here are some tips for flipping commercial real estate.

Learn the differences between residential and commercial real estate. Residential real estate and commercial real estate share only one commonality, land and improvements. However, there are more differences than similarities. Building codes, safety standards, legal compliances, and much more all come into play. Educate yourself about commercial real estate as much as possible.

Educate yourself on flipping commercial real estate. You wouldn’t invest money in a stock or mutual fund that you don’t understand and real estate should be no different. Take time to learn about the niche of flipping commercial real estate through the internet, through seminars, and books.

Choose a commercial property type. Commercial real estate comes in a variety of types. Retail, industrial, multi-family, mixed use, and so on. Learn about each one and then begin to zero-in on the type which most interests you and is most feasible.

Get your finances in-order. Checking and improving your credit score is a great place to start, but that certainly isn’t all you need to do. You should sit down with commercial real estate lenders to learn about their loan products and what you need to qualify. If you’re going to enter into a joint venture, bring your partner along for the consultation.

Set a realistic budget. Once you know how much money you’ll be able to bring to the investment, you should create a budget that includes not only purchase price, closing costs, other fees, and remodeling, but also contingencies, which are quite likely to pop-up.

Finally, make smart and strategic decisions about which improvements you undertake, Think about the future and what’s likely to bring the most return on investment.

Long Term Financial Advantages of Owning versus Renting ADDED 1-6-2015

If you’re debating whether to rent or buy for the long term, you certainly are not alone. It’s a tough decision, because there are always pros and cons to each situation. It just depends on how many and how big of an impact those will have on your life and your finances.

Some people say they prefer to rent because it gives them freedom to move when they’d like. However, it’s quite stressful to give notice to a landlord, who’ll want to show the property while you’re hunting for something both affordable and suitable. Others choose to rent because they want to avoid maintenance costs, but, there’s simply no such thing a lease that covers everything. While you might not be responsible for major items, small things can cost quite a bit.

Long Term Financial Advantages of Owning versus Renting

Let’s take a look at some of the cons associated with renting first. These include such things as not having the freedom to truly personalize your space. If you don’t care for the outdated vanity in the bathroom, unless you pay for a new one and the installation cost, and, the owner agrees, you’re stuck with it. You also can’t do simple things, like paint the walls a different color. Sure, the lease might state you can, but it’s highly likely it also states you’ve got to repaint those walls the same color before you vacate.

When you rent, you might be saving a little bit on maintenance costs, but you’ll lose out on the bigger tax write-off advantages. Those are substantial and definitely more beneficial over the long term. Here are some other financial advantages of owning over renting:

● Your monthly obligation won’t change. Unless you get yourself into an adjustable rate mortgage instrument, your monthly payment will stay the same. That’s not going to be true in a rental. Since costs to maintain the property rise yearly, so will your rent.
● You will build equity over time. As the years go by, your mortgage balance will decrease and an inverse relationship will occur, because your home’s value will increase. Rising home value and rising equity are big advantages.
● You can be more involved with the neighborhood and local community. Long term situations favor homeowners, not only financially, but also their quality of life. Since they are committed, then tend to be more involved and lead a more fulfilling life.

Finally, you can remodel, update, and personalize as you please. You won’t be held back by legal stipulations in a lease and can make the house into your home.






sally stribling

Sally Stribling, P.A.
Top Sales Producer Year after Year!
Broker-Associate, Realtor

Coldwell Banker Schmitt Real Estate Company
& Coldwell Banker Schmitt Commercial
Visit my Website and the entire MLS
® Certified REO Specialist, representing Bank owned properties and special assets
877-289-0035 x7552
Mobile Number:305-283-2002
Fax:  305-451-1220
Email Address: keysproperty@bellsouth.net
Previews International Agent: Yes
Languages Spoken: Spanish
Personal Website: http://keysbestproperty.com/

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