|Real Estate Information|
How to Buy Your Own Home
Buying Your First Home
Buying Your Own Home isn't nearly as complicated as some folks make it out to be. Your first step should probably be to contact a Mortgage Broker (check out the on-line Mortgage Companies on my Site -- they're a great way to quickly find out how much you qualify for, and they often have better rates than the standard Banks...). or your Banker to Pre-qualify for a Mortgage.
I happen to prefer Brokers because they are waaay more likely to actually get you a mortgage! Many banks have created an environment that severely limits most people's ability to get a loan, these days. If you've gone to your bank and they've flatly turned you down, don't give up. Contact a broker and make an appointment to go over your financial information (for Goodness Sake, be honest - never embellish information with any financial institution). At the very least, you'll find out how much you can afford to pay for a property, or you will find out what you have to do in order to become qualified.
I have heard some bankers tell potential buyers that what they really need to do is buy lots of Retirement Savings Bonds (the banks have special names for them that you are most likely familiar with), which they happen to be selling that day? then the person can re-apply for a mortgage after their huge purchase of said banking product. Of course, now the potential home owner has no money left for a Down Payment. Much better to save your money in a safe Money Market Account at the bank (see, they're still making money!), or in a Savings Account that you don't regularly dip into.
Set your sights on something that is realistic. Don't go looking at all the 10,000 foot Mansions when you haven't started saving your money for a Downpayment, yet... Start with a Condo or Smaller Home, or head out of the City to nearby Towns to see what kind of Market Prices are out there. Usually, it's way less expensive to live outside of the city, with the exception of Estate Areas, which are a lot more expensive, given that they'll have Architectural Controls to allow only very large homes.
Don't worry about the whole "I can't live in the Suburbs..." . Better to think of it as a place of your own that you own. Your friends can laugh at a HOMEOWNER -- who's laughing now, hmmmm? And 2 - 10 years from now when you're ready to move on, you'll have sooo much more money to invest in your next home, and you probably won't be hanging with those crazy friends, anyway! Although it would be fun to invite them for cocktails at your new Mansion, 'cause your early investment really paid off, and now you've just finished building it! ha,ha,ha! You can laugh yourself silly, and just blame it on the drinks!
Try to buy as new as you can, since Mortgage Rates are cheap, right now, and it's easier to come up with a monthly mortgage payment that is reasonable than to find the cash to fix major repairs in an older home. A house that is in very good repair is a good choice, too - it's the traditional 'fixer-upper' that used to be considered a good deal that is actually far more expensive in the long run.
Make sure to find out what the Condo Fees are, if the property you're looking at has a Condo Association. Check out the house taxes, too. Some smaller towns actually have higher tax rates than larger cities. If it's a pre-owned home, you can find out the general heating/cooling costs. The important thing is not to get in over your head. Stay moderate, never go beyond your means. Remember that Brand New Homes also come with huge costs that will not be included in your Mortgage. Little things, like grass, curtains, and perhaps a fridge? weigh out the total costs to see where you'll find the easiest place to start.
Now, it's true that the financial institutions have different Mortgage Rates depending on the percentage of the value of the property that you have for a Down Payment. If you put 5% down, your Rate will probably be higher than a Borrower who is putting 25% or more down on a property. It's based on the risk factors involved for each person borrowing from the institution. The Lenders always have to protect themselves. The important thing is just to get into a home as soon as you can. Don't wait until you have 20% to put down - just get into a property as soon as you can while these rates are so remarkably low.
You can always live there for a few years, sell it for a profit (always good!), and then make your move up. At the very least, you'll be investing the $6,000.00 (and waaay up, since that number is based on $500/month rent) a year in your own property.
If you are currently renting, the chances are really high that you could be paying less money per month on a Mortgage than you are paying for rent. This is because the Mortgage Rates are so incredibly low.
Make it a point to start taking note of the rates in your area. Start reading the Real Estate Papers, the classified ads in your local paper, and checking out Real Estate On-Line. Get a handle on what's out there that you like and can afford.
Start visiting Show Suites in Apartment Buildings and regular Show Homes. You may be surprised at the deals that are out there, these days. Go for a drive to see if there are properties For Sale in neighbourhoods that you like that are within a reasonable driving distance to your place of employment. Don't forget to add Traffic Time, if you are in a busy city! Bring a notepad and pens so you can jot down the Realtor's name and number. Often, there will be a web address, and you can check out the house on-line.
We sell our houses ourselves, so there's no reason to be wary of a 'Home For Sale By Owner'. Chances are high they've sold before and know the ropes. If you're on a time crunch, or you're new to the area, you can contact a local Realtor and tell them what you're looking for, and your price range. Again, if you're pre-qualified with a financial institution, this will be much easier. Looks can be deceiving - don't make judgements on a property until you've had a look inside. If you can imagine yourself living there, you've probably found the right place.
Write up an offer and contact a lawyer, Martha, we're buyin' a house!
Real Estate Law is pretty straight forward. If ever there was an easy consultation with a lawyer, this should be it! Your lawyer will lead you through the paperwork -- you just have to listen carefully, sign on the appropriate lines, provide any necessary documents the lawyer may require, and generally be polite! Sounds easy, eh?
You can even share a lawyer (the buyer and seller use the same lawyer when it's a nice, clean deal, with no nut cases involved?this is more common in a private sale), but chances are high you'll have your own. Make sure you have funds set aside to cover the Legal Fees (shop around - you may be surprised how these fees can vary), if they're not included in the deal. Some Builders include Legal Fees with their New Houses.
Now, I don't get why people don't have a good look at any Foreclosure Properties that might be available in their area -- especially if you are looking at buying in a Larger U.S. City, where the housing prices are through the roof. Why not have a wee look around, just in case there's something for you. That's one of the few times when it's worthwhile to buy a 'Fixer-Upper', if it's a great price.
Keep in mind that a Home can go into Foreclosure for many different reasons (Financial Difficulty can come about from a variety of sources...), so there are lots of Homes in Foreclosure that are not 'Fixer-Uppers' -- they are regular Family Homes, Condos -- sometimes even some Bare Land (a Builder's Favorite!). It's always worth a look!
Good Luck buying your own Home -- you can invite me over for Drinks when you move in. You buy the house, I'll bring the gin!
Ailsa Forshaw is a Writer, Builder, Website Owner & Manager, Teacher, Mother... all in Alberta, Canada. She is Married with Two Lovely Children, and one gorgeous wee dog. Her Website, http://www.buildyourownhouse.ca, is chock full of all sorts of useful & fun information to help anyone become Financially Successful, Slim, Trim, and Happy... what more could you want?? Pop in for a wee visit!http://www.buildyourownhouse.cahttp://www.theScottishDiet.com
Erie County Real Estate Transactions Buffalo News
Following are real estate transactions over $5000 as listed in records of the Erie County clerk's office for the week ending March 22. ALDEN • 12282 Westwo…
Real estate transactions for April 21, 2019 | Realty Transfers Roanoke Times
Roanoke. Over $300,000. ABRE Holdings Inc. to Eduardo Lara-Torre and Megan E. McNamara, 3176 W. Ridge Road S.W. Roanoke VA 24014, $390,000 ...
Longmont area real estate commercial deals April 21, 2019 Longmont Times-Call
This list includes trust deeds (to secure repayment of A. loan) of $750000 or more.
Montgomery County real estate briefs: Week of April 21 Montgomery Newspapers
The Coldwell Banker Preferred Conshohocken office has announced the top affiliated agents who were recently recognized with Coldwell Banker International ...
Deal makers: Real estate news in brief Albany Times Union
Preservation Foundation seeking nominations. The Saratoga Springs Preservation Foundation is requesting nominations for the 2019 Preservation Recognition ...
Jimmy Webb, Nashville real estate leader, dead at 71 The Tennessean
James A. Webb III, co-founder and president of longtime leading Nashville real-estate company Freeman Webb, military veteran, and active community ...
Real estate transfers: Reported April 21, 2019 Herald-Whig
Real estate transfers recorded in the office of Adams County clerk and recorder. Quincy. Brianna N. Havermale, Spencer D. Havermale and Brianna N. Yohn, ...
This week in celeb real estate: Lindsey Buckingham in Brentwood and Adam Levine in Beverly Hills list their big-ticket homes… and more - The Real Deal
This week in celeb real estate: Lindsey Buckingham in Brentwood and Adam Levine in Beverly Hills list their big-ticket homes… and more The Real Deal
In this week's celebrity real estate, two big-name musicians have listed their equally big-ticket homes. Fleetwood Mac lead guitarist Lindsey Buckingham and ...
REAL ESTATE TRANSACTIONS Arkansas Democrat-Gazette
Pulaski County real estate transactions of $150000 or more; deeds recorded March 18-22:
Real estate transactions for Sunday, April 21, 2019 | Business Quad-Cities Online
Following are seller, buyer, property description and price of property. Note: price is an estimate based on revenue stamps that are bought from the county.
Residential real estate transfers, April 21 | Real Estate Transfers Omaha World-Herald
State Street Investments LLC to Richland Homes LLC, 7720 N. 158th St., $43,950. State Street Investments LLC to Richland Homes LLC, 16002 Reynolds St., ...
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‘Securitization, Tokenization and Fractionalization of Real Estate,’ Explained by Carmen Benitez CryptoGlobe
Carmen Benitez, the Chief Executive Officer at Fetch Blockchain Ltd., a London-based firm that “specializes in blockchain technologies for land registries, ...
New Jersey American Water taps Holmdel man; Resources Real Estate opens Shrewsbury office - Asbury Park Press
New Jersey American Water taps Holmdel man; Resources Real Estate opens Shrewsbury office Asbury Park Press
New Jersey American Water has announced that Justin Chrepta of Holmdel has been named as one of the company's major account managers.
Real-Estate Matters: Seller misrepresentation on septic failure tough to prove - The Columbus Dispatch
Real-Estate Matters: Seller misrepresentation on septic failure tough to prove The Columbus Dispatch
Q: Three months ago, I bought a house. I didn't have a septic inspection. A few days ago, the septic pump failed. I had it pumped, then had a plumber come to ...
Zillow sues real estate rival Compass over non-compete violation and stolen intellectual property - GeekWire
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Seattle-based Zillow Group filed two lawsuits Friday against real estate rival Compass, alleging that the SoftBank-backed high-tech brokerage stole Zillow ...
Lorain Real Estate Expo promotes economic development | Lorain County The Morning Journal
More than 20 vendors gathered April 20 at Lorain Palace Theater for a Real Estate Informational Expo to harness the city's momentum.
Public Record: Coshocton County Real Estate Transfers Coshocton Tribune
Property recently bought and sold in the local area.
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Routt County real estate sales total $8.6M for April 12 to 18, 2019 Steamboat Pilot & Today
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Real estate notes NewsOK.com
Symphony Show House dates delayed The dates for the Symphony Show House have been changed from May 11-19 to June 8-16 because heavy rains led to ...
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New York City lawmakers passed a measure designed to cut the city's carbon emissions, targeting big buildings that produce the majority of greenhouse gases.
Signs you’re in a bad relationship with your real estate agent Washington Post
REAL ESTATE MATTERS | Lack of communication is a big indicator you may have picked the wrong agent.
Real estate | Real Estate Records | journalstar.com Lincoln Journal Star
Jt Future Investments LLC to Gunderson, Donald P & Julie K, 430 Redwood Dr., $312000.
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These are the top NYC real estate events happening 4/22-4/29/19.
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MIDEAST STOCKS-Abu Dhabi outperforms on financials and real estate, most Gulf markets rise - Reuters
MIDEAST STOCKS-Abu Dhabi outperforms on financials and real estate, most Gulf markets rise Reuters
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Secondary Cities in the U.S. That Are Prime Real Estate Investment Opportunities Mansion Global
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Korte joins Meridian Real Estate | Success Stories Billings Gazette
Penny Korte recently joined Meridian Real Estate as a Realtor.
Raunchy real estate promo raises eyebrows CNN
An Australian real estate company released -- and subsequently removed -- an eyebrow-raising promotional video that featured actors pouting, strutting and ...
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Solano Real Estate Scene: Poll shows majority expect market appreciation this year Fairfield Daily Republic
By Don McDonald. The sun is shining and after three weekends of recent rain, we finally witnessed a good open house flow of traffic throughout the county.
Real estate transactions: American Landmark Apartments builds up Houston portfolio - Houston Chronicle
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Tampa-based American Landmark Apartments has purchased six apartment properties totaling 2,284 apartment units in Houston, San Antonio, Austin and Irving ...
Please enjoy this very extra real estate video meant to help sell a house Mashable
An ad promoting a luxury home in Sydney, Australia is getting plenty of attention on the internet, thanks to how utterly over the top it is.
Real Estate Newsmakers from around the SouthCoast SouthCoastToday.com
Silva nets sales recognitionBold Moves Real Estate announced that Carla Silva has earned tops in sales for the month of March.“Carla has had a great start to ...
Recent Commercial Real Estate Transactions The New York Times
$42/SQ. FT. 46-24 28th Street (between Skillman and 47th Avenues). Queens. This former beer bottling plant in Long Island City has been converted into a ...
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2434 Lillian Miller Parkway. 940-484-9411. www.kwdenton.com. What steps do you take to ensure a quality product or *service*? All agents are trained to focus ...
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Property of the Week – Elisha Poirier of Stone House Properties offers you a rare opportunity to live on Queechy Lake and also have stunning mountain views!
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Mansion Global Daily: The Leading U.S. Luxury Markets, China’s Real Estate Investments Jump and More - Mansion Global
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Less than a year after selling his telecommunications startup, Flowroute founder Sean Hsieh has embarked on a new venture that aims to open up the world of ...
Blackstone Group, the world’s largest real estate owner, is converting to a corporation - The Real Deal
Blackstone Group, the world’s largest real estate owner, is converting to a corporation The Real Deal
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Douglas Bruce's real estate history Colorado Springs Gazette
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Real Estate Transfers: April 18, 2019 Suffolk Times
Listings prepared for Times Review Media Group by Suffolk Research *Service*, dated Feb. 18-24, 2019.
All Things Real Estate: Tenants’ lawyer accusing man of being ‘slumlord’ Fairfield Daily Republic
Q: A couple of years ago, I inherited a small apartment building in Vallejo. There are 10 units, nine have tenants and one is occupied by the apartment manager.
Berkshire region real estate sales March 31 – April 6, 2019 | theberkshireedge.com
Adams. 4 Back Row St: DSM Properties LLC of Adams to Robert Grudem, $111,500 on 04/09/2019. 52 Columbia St: Rumgay Robert R Est and Joanne S.
Public Record: Muskingum County Real Estate Transfers Zanesville Times Recorder
Property recently bought and sold in the local area.
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After buying a Pacific Palisades home from Ben Affleck and Jennifer Garner, Maroon 5 frontman Adam Levine and wife Behati Prinsloo have listed their Beverly ...
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No more concealing the identities behind limited liability corporations. New York's governor, Andrew Cuomo, wants to know who is purchasing what despite ...
The Hottest Real Estate Markets This Spring Forbes
California used to have some of the hottest markets in the country, but now that things have slowed down these are the cities moving up the list.
Real-Estate Stocks Tumble Because When You Live By the Yield, You Die by the Yield Barron's
Rising Treasury yields have made the dividends paid by real-estate investment trusts less attractive.
Does Allied Properties Real Estate Investment Trust (TSE:AP.UN) Deserve A Spot On Your Watchlist? - Simply Wall St
Does Allied Properties Real Estate Investment Trust (TSE:AP.UN) Deserve A Spot On Your Watchlist? Simply Wall St
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to investors, even if it completely lacks a track ...
Race and real estate in mid-century DC The D.C. Policy Center
This article is adapted from “Teachable Moment: 'Blockbusting' and Racial Turnover in Mid-Century D.C.,” which originally appeared in Washington History, Vol.
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Weinberg Foundation hires Hawaii real estate exec, plans to outsource property leasing, management Pacific Business News (Honolulu)
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Tell me about how to improve our real estate coverage: Calling all readers cleveland.com
The Plain Dealer asks readers to weigh in on what coverage they would like to see from reporters.
Stafford rejects, then approves, real-estate tax increase Fredericksburg.com
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Here's the State of the Palm Beach County Real Estate Lending Climate | Daily Business Review - Law.com
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While Palm Beach County's construction lending demand may not always yield the same level of attraction as our neighboring Broward and Miami-Dade ...
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Real Estate – April 17 Greenfield Daily Reporter
The following real estate transfers were recorded recently in the Hancock County Recorder's Office:March 6Jeffrie A. and Amy A. Godbey to Jared M. and Sarah ...
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RQI: A Top Real Estate Fund For Income Investors Seeking Alpha
Real estate is a popular vehicle to use to generate income due to a variety of characteristics, including high yields.RQI is one of the better CEFs available fo.
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Audrey Smith Earns the Real Estate Negotiation Expert Designation PR.com
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New Orleans real estate transfers for March 15-21, 2019 NOLA.com
1ST DISTRICT. Elk Place 144: Marquee Developer LLC to Vacation Trust Inc., $100. St Charles Ave. 625 UPH-C: Helena Meeks and Christopher Meeks to MB ...
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Rising Democratic star Pete Buttigieg has had quite the start to 2019. Due to a successful CNN town hall event, numerous eloquent interviews, and what seems ...
April 13 Real Estate Transactions The Newark Advocate
816 Warthling Ct, Clark Chad D and Stacy A, Smith Danessa J and Korzenowski Thomas M, 3/8/2019, $254,900; 942 Sorohan St, Hill April V, Siwakoti Som N ...
Crain's analyzes suburban residential real estate market data from Chicago Association of Realtors and Midwest Real Estate Data - Crain's Chicago Business
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A Crain's analysis of first-quarter data shows twice as many towns where three key metrics are down as where they are up.
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In this article, I talk about 5 quick secrets to know you've found the right real estate agent.
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Purchasing Florida Investment Property And Various Considerations
Purchasing Florida Investment PropertyConsidering researching the purchase of Florida Investment Property or properties for sale in central Florida? Do you find yourself wishing you didn't have that lawn to mow and the constant upkeep on a home? Purchasing Florida Investment Property can relieve you of all those household chores but purchasing a Florida Investment Property requires you do some homework. You need to know what you are looking for in a Florida Investment Property.
Should You Buy Real Estate Now
I have been seeing the market on fire for a long time and have started telling my friends, "don't buy now". No one can accurately determine exactly when it will happen, but it is definately on the way.
Dealing With Dual Real Estate Agents
Historically, real estate agents have represented the seller of a property. The seller, after all, is usually the one who pays their commission, and agents therefore have a fiduciary relationship with the seller.
How Professional Property Investors Interpret and Use Capital Growth Statistics
Understanding and using yearly price growth statistics in an area of interest is critical to making successful property investments decisions.Property price growth is usually expressed in terms of a percentage i.
Is Housing and Real Estate Bubble Hype Irrational Exuberance?
Not so, says the author of this article and four real estate books including the recent "1001 Tips for Buying and Selling a Home". The upside of the hype is for real estate consumers and investors.
An Overview of Easements
Title insurance is generally associated with insuring a purchaser's or lender's interest in a particular piece of real estate. The right to use an easement is often considered less important than unencumbered title of the insured parcel.
3 Top Real Estate Investing Methods for Maximum Wealth
Real Estate investing can be used to gain wealth in three major ways -1. Long-term Real Estate investing is most often utilized using appreciation as a planning tool.
You Dont Need Health Insurance!
Seems almost every situation in our lives is centered on communication. Good or bad, the way we express our thoughts, wants, and needs to each other determines how we live, love, and learn together.
Property Investing Secrets 5
Property Investing Secrets:How To Work With Agents And Get What You WantWhen you're property investing, it is important to know how to connect with real estate agents. Here are some techniques you can use when you are out there pressing the flesh.
Death, Taxes, and Foreclosures
So how do you find the best foreclosures. Its not easy as the business is very competitive, especially in this current crazy real estate boom.
A Log Home Story
Solving problems while maximizing valuesThis story has a few good lessons and observations that no doubt can be used by you to take advantage of hidden opportunities that often lie in plain view for all to see, however, most people have not been trained or instructed on how to recognize or find them.The following true story begins with a classic log home package, engineered, manufactured, approved and delivered for use in Alaska.
Make Your House Earn Its Keep
Did you realise that there is a lot you can do get an income from what is probably your most valuable asset? Not only is your property a great (long-term) investment, your home could also bring you an income while you are still living in it. Here are some ideas to make your property really earn its keep.
Time Is A Major Real Estate Wealth Growth Tool, So Use IT And Watch Your...
In Real Estate "Time" is a Wealth Development ToolsReal estate wealth,From The Desk Of Colm DillonHello, Colm here ..
The Value of Building Home Equity
There are numerous advantages to owning a home. One of the serious advantages is the equity that is built over time.
Why Mobile Homes?
There are mobile homes for sale, for much less than stick-built houses, in most areas of the country. Despite persistent predjudice against them, and sometimes the people living in them, mobile homes are the cheap housing choice of millions.
Fixer Uppers: Dont Make This Mistake
Making money with "fixer-uppers" isn't about repairing drywall or planting flowers. It's about using the right approach from the start.
What You Can Do To Sell Your Home Fast
Yes, you want to sell your home and you want to sell it fast. It may be a seller's market and every other home in your neighbourhood is selling and you think it's going to be a cakewalk selling your home.
Conversation & The Real Estate Investor
One key that makes investors is conversation or should I say "The Art Of Conversation".All successful investors are skilled in conversation and I'm not talking about the investors that does 10, 20 or even 30 deal a year! I'm talking about the "BTO" Big Time Operator; The Big Dog's slamming down 100 or more deals every year.
Canal Front Homes in Venice
A bit about VeniceVenice, Florida was named by an early explorer who thought the beautiful, clean canals that snake through the coastal community starkly resembled the canals of the historic city of Venice, Italy. In the 2000 census, Venice, Florida had a population of 17,764 people and that number has continued to increase over the last five years.
Real Estate Investing - Free Vacations While Searching for Real Estate Acquisitions
Real estate investing professionals look for all possible tax deductions because of the generous profits derived from real estate investing.For example, real estate investors are concerned whether the sale of their real estate is subject to capital gains taxation or qualifies as ordinary income.
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