Virgin Media Discount Codes – Switching to Virgin for UK Houses and Apartments

Richard Branson’s Virgin brand ventures range from airlines to space travel. Here we see Virgins media solutions for UK homes (houses and apartments) and the latest money saving Virgin Media promo codes. We have taken the latest Virgin voucher codes and deals from Wikigains.com.

One of the main focus of all Virgin companies is customer experience. Their aim has been to make their products enjoyable and easy to use. Making the switch to Virgin Media is pretty easy and straightforward. Here are the steps to follow:

  1. First, discover what Virgin offer in your area using your postcode.
  2. Pick your choice broadband, TV, or phone package.
  3. Order your choice package. Apply a valid Virgin Media offer code at checkout to save money.Remember, if you have connected to Virgin Media network in the last 3 years, you can start installing the services using theirQuickStart self-install pack which is available for free collection, or delivery at £5. Otherwise, Virgin will send an installation engineer to set things up for you within 14 days.
  4. Once your Virgin Media services are up and running, cancel your current provider’s services.
  5. Virgin will send you a contract by email, your billing information as well as installation guides and everything else you need to use our services better.

Virgin Media Bundles

Virgin Media has a choice of four great bundles covering high speed internet, television, and phone services. These are:

  1. Full House

The Full House package also includes VIVID 200 fibre broadband, whose 213 Mbs of download speed is suitable for households with more than 10 devices. Subscribers also get weekend calls to UK landlines, Virgin Mobile numbers, and 0845/0870 numbers. The Full House bundle costs £55 a month and it comes with over 230 television channels. Virgin Media promotional codes may save you money on your first month’s subscription.

  1. Mix

The Mix bundle costs £45 a month. The bundle gives you a choice of over 150 channels in addition to VIVID 200 broadband, which is suitable for households with over 10 devices to link to the web. You will also get weekend calls to UK landlines, Virgin Mobile numbers, and 0845/0870 numbers..

  1. Full Player

The Full Player bundle goes for £29 a month. It has over 70 television channels, VIVID 100 broadband for households with 5 to 9 devices, and weekend calls to UK landlines and Virgin Mobile, and 0845/0870 numbers.

  1. VIP

The VIP bundle goes for £125 a month. In addition to the 230 plus Full House TV channels, the bundle also includes Sky Cinema HD and Sky Sports HD to give you a choice of over 260 channels.

The bundle also includes VIVID 350 fibre broadband, with download speeds of 362 Mbs! You will also get calls to UK landlines, mobile numbers, and 0845/0870 numbers. This is Virgin’s most expensive media plan, but it is ideal for families where there is a great need to data. For example, running a business from home or online gaming. There is usually no Virgin Media coupon codes applicable to this plan.

What if you want broadband only?

If all you want is broadband internet, then here are your options. They all include a £20 installation cost.

  • VIVID 50 (£33 a month). Has download speeds of 54 Mbs and upload speeds of 3Mbs; which is good for households with up to 4 devices.
  • VIVID 100 with Talk Weekends (£29 a month). Average download speeds of 108Mbs and upload speeds of 6Mbs. Suitable for 5 to 9 devices. Also includes free talk weekends.
  • VIVID 100 (£38 a month). Download speeds of 108Mbs and upload speeds of 6Mbs. For households of 5 o 9 devices.
  • VIVID 350 (£48 a month unless you have a valid coupon for Virgin Media). Average download speeds of 362Mbs and upload speeds of 21Mbs.

If you are renting or buying an apartment or house in the UK, see how you can switch to Virgin here.

The New In Latest Luxury Apartment Living

Luxury apartments are in great demand these days and consequently lots of developers have taken to offering them. There was a time when these deluxe apartments were available only in the major cities all over the world. However, real estate developers now offer these apartments in smaller cities as well.

People these days have very clear ideas about what constitutes luxury apartment living. Needless to say, what appeals to one person will not necessarily appeal to another one. Even so, there are a few features that stick out because of their enduring popularity.

  • Unique architecture

People who can afford to live in a luxury apartment are no longer willing to settle for pedestrian architecture. They expect builders and developers to come up with unique designs for buildings. This enables them to stay in a place that reflects their aspirations and achievements.

  • Deluxe fixtures and fittings

Since buyers are spending a great deal of money on deluxe apartments they expect the sittings and fixtures to be of an appropriate quality. This includes high quality flooring made of marble or wood, designer bathroom fixtures, state of the art security systems and even designer kitchens.

  • Wide range of public amenities

A deluxe apartment complex generally comes with one or more swimming pools, a well-equipped gym and sometimes even a business center. It also tends to come with a beautifully landscaped garden and other public areas.

  • High level of security and service

Buyers of luxury apartments expect the building to have the best possible security, both human and electronic. They also expect the building to have proper on-site management with maintenance staff available for the better part of the day (with a few staff available at night as well).

People planning to invest in a deluxe apartment should do plenty of research before investing in a particular property. Lots of builders say that they offer luxury apartment living but the reality is actually quite different. Many buyers find out that they have spent a great deal of their hard-earned money on a property that isn’t really special.

Luxury apartment living can be quite expensive because all these great features come at a cost. However, as long as a person wants to enjoy these features and facilities then he or she will not have a problem with the cost. Even so, it is best to invest in a property that offers the facilities that one requires.

These Modern Apartments in Henderson Are Unlike Others I Have Ever Seen

Home has to be more than just a place you go to to get some sleep between working and playing. It needs to be a place of refuge where you can relax, feel safe and enjoy spending time there. This is why home ownership has been a big part of the American Dream for so long. Now you can have that and more in apartment living. I never thought that would be possible. Many years ago I was adamant about never living in an apartment, now there are apartments in Henderson that have much more in the way of amenities than what I could ever afford when buying a house.

My wife and I found luxury resort-style apartments in Henderson that are everything we wanted. We have a beautiful kitchen with stainless steel appliances and granite countertops. Our living room is big. Continue reading “These Modern Apartments in Henderson Are Unlike Others I Have Ever Seen”

Getting Settled in My New Place

When I moved down here I thought that I would look for a place by the beach, they have a couple of them right in the middle of the Tampa Bay area. However none of them were very close to where I am working and obviously I am not the first person to have this thought, it is pretty expensive to live the fantasy. In fact it would also be pretty crowded in these areas, so I started to look at apartments in South Tampa and I found something that was a great deal more practical to be honest. If all goes well I can get to the office in less than ten minutes and it is not much longer than that if things do not go perfectly well. In fact I could ride my bike there, but the traffic sort of makes that a lot sketchier than I would enjoy. Continue reading “Getting Settled in My New Place”

Just Got Started at Grad School

It is really exciting to be honest, because I have gotten a good teaching assistants job with one of the most prestigious professors at Vanderbilt. I am not really studying to be a physician, although I have to learn nearly all of the things that a doctor does. In fact I am trying to learn about biological engineering. I am really interested in some of the projects they have working on artificial organs here right now. Of course I have been focused on all of the mundane stuff like apartments in Nashville TN. I need one that I can afford that is relatively close to the campus. Continue reading “Just Got Started at Grad School”

Apartment Locator VS Apartment Database Search! What’s Best For You?

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Let’s start with the fact that 80% of all searches start on line, that being said when you do a search on Google or Yahoo for the terms “rental apartments” or “apartments for rent” you are faced with two basic options; apartment locator that offers their free service ether from their internet sites or using classified ad postings and other internet sites that offer the use of an apartment database. Which is the best for you? Well, that depends on what your needs and wants are and whether you like the “do it yourself” apartment hunting or being helped by a professional Apartment locator.

The Apartment Locator: If you are relocating to a new area or a new city, a place you are unfamiliar with, you don’t know the neighborhoods, schools, job centers, transportation, etc, the apartment locator may be your best choice.They respond to your request by phone or email (you decide) to ask you some details about your ideal apartment. You want to give them as much information about your wants and need as far as: budget, date of move part of town and more. The apartment locator is knowledgeable about the area of his local rental market. They will be very helpful in finding you rental property that suits your particular needs, best of all, in most cases this will be a totally free service. The apartment locator is normally paid “finder’s fee” or “referral fee” from the landlord apartment complex or landlord.

The Apartment Database Search: Unlike apartment locators, the typical apartment database offers an extensive choice of apartment listings. You can read the descriptions of apartment communities see maps, amenities, rent ranges, photos of inside and out and in some cases contact information. All this information helps you understand if a particular rental apartment or complex meet your needs and wants. If you like the “Do it yourself” method an apartment database site might be the one for you. Most require a simple registration which asks for name email and date of move. You do not submit your telephone number and you will not be contacted personally by anyone.

Same as apartment locator, most apartment database are free to use, in some cases you are even offered an Apartment Rebate of $100.00 or more if you tell the property you visit and/or lease that you where sent by a specific referring source ( apartment locating database or website). So, which is better for you? The apartment locator or the apartment database?

Commercial Mortgages – Bank Requirements For Multi-Family (Apartment Building) Loans

Many commercial real estate investors contact our firm and want to know in-advance if their deal can qualify for an institutionally funded (bank) commercial mortgage loan. Unlike residential lenders, commercial mortgage lenders do not issue “pre-approvals”; we simply can’t tell if a deal will get done until we do some underwriting. We can, however, share with you some basic guidelines that virtually all conventional lenders are considering today.

Loan-to-Value (LTV)

LTV has been dramatically reduced during this “credit squeeze”. Just 24 months ago we were seeing LTV ratios above 80% and lenders were allowing large 2nd mortgages. Standards have tightened. In today’s credit environment, investors should not expect to see any loan offers above 75% and many are coming in significantly lower. 70% is a normal LTV ratio on new purchases with some lenders willing to go to 75% on refinance loans. Seller carried 2nd mortgages are discouraged and often disallowed altogether. Borrowers and sponsors without large cash investments in a deal will be turned away.

Debt Service Coverage Ratio (DSCR)

Banks, insurance companies and Wall Street brokers simply will not write loans against underperforming or vacant buildings anymore. Only stabilized assets need apply for institutional funding now-a-days. A building must be able to demonstrate a history of profitability and low vacancy. To be approved for a bank loan for the purchase or refinance an apartment building, the building must have a net-operating-income (NOI) equal to 125% of the proposed mortgage payment (a DSCR of 1.25). Deals that do not meet this requirement will have to wait until the credit markets improve or seek private funding.

Credit

Borrowers or sponsors with weak credit scores are being summarily rejected by banks. To qualify for a low interest loan with good terms, from an institutional lender, all the principle borrowers need to have a tri-merged credit score of 640 or better. I know this is bad news to many good people with problems on their credit reports, but that’s just the way it is right now.

Experience

Banks are not willing to take a chance on first-time apartment investors. All borrowers are now required to demonstrate real experience in rental housing and a track record of success.

Net-Worth & Liquidity

Many banks have instituted a policy of requiring that their borrowers have a net-worth at least equal to the balance of the loan they are seeking. In-other-words, if you want to borrow $1MM from the bank to buy an apartment complex, you need a net-worth of at least $1MM. Further, they will want to see that you have some money in the bank above and beyond the funds you’re using for a down-payment. Often they will require borrowers to have a savings account balance equal to 6-9 monthly mortgage payments.

Quality Property in Good Location

To secure financing from a traditional lender the building must be in a city or town that is not particularly depressed economically. Hard hit areas of MI, FL, CA or NV, for instance will be shunned. Also, the structure must be in good repair, lenders will shy away from buildings that have a-lot of deferred maintenance.

Deals that meet these basic requirements will find that there is no lack of liquidity even in this tight credit market; there is plenty of money for apartment loans for the borrowers and buildings that can qualify. Unfortunately, for deals that can not meet these higher lending standards, investors are going to have to seek privately funded, often called hard money loans or take on a well-heeled partner in-order to get funding.

Family Law – Don’t Let Disputes Tear Your Family Apart

When you are faced with disputes and disagreements within your family and have trouble reaching solutions or keeping things amicable, it may be time for you to hire an attorney that specializes in family law. Even though everyone may have the best of intentions when they are trying to resolve disputes, everyone knows that things can get a bit testy no matter what the situation is. Family law attorneys have a wide area of expertise. They handle everything from divorces, legal separations, child support, alimony, custody disputes, adoptions, paternity issues, division of assets in divorces and more.

Depending on your particular situation, you may feel that you can get things resolved in a fast manner without having to go to court. Since family issues often results in both sides letting their emotions get the best of them, it is imperative to keep the lines of communication from breaking down and hire a family law attorney. You want to avoid letting things get out of hand and to keep things professional and any agreements completely legal, you can always request an arbitration with a family law attorney.

By utilizing the services of a family law firm, you can help to get personal matters resolved in your favor. Sometimes if you don’t know what your rights are, you can end up being taken advantage of or having things ruled against you. If you want to give yourself a fighting chance, you need to make sure you have the right legal counsel that money can buy.

When you need assistance or simply legal advice, you can always go to a law firm that handles domestic affairs. You can get expert advice and receive guidance about what needs to occur for things to be resolved in your favor. Who knows, you may need help coming up with a good strategy or arrangement. It is always a good idea to hire legal representation when things need to be determined and they involve assets, children and legal issues.

Make sure that when you select an attorney, they have a good reputation. They should also have a lot of expertise and knowledge about laws regarding domestic and family situations. Since the laws regarding these areas can be quite extensive and complex, instead of trying to figure out what you need to do, a lawyer can help guide you.

Don’t be ashamed or afraid to ask for help when things start to get a bit out of control. Sometimes it is necessary for you to seek legal counsel because the other party is being unrealistic and overly demanding. To prevent yourself from being treated unfairly, you should make sure that you don’t enter into any agreements or attempt to do any litigation without proper counsel.

Do yourself a favor and stop making a stressful situation even worse by keeping matters professional and letting your lawyers handle everything. This way no personal feelings will get involved and cause any complications.

Don’t Let Poor Estate Planning Tear Your Family Apart

Even if your kids are grown up with families of their own, you can probably remember scenes of intense sibling rivalry when they were younger. In some families, that competition continues into adulthood; for others, it recedes as children age and mature. But it can all come flooding back while trying to divide up your estate after your death as your kids argue over who gets what.

If you die without a will, a court will decide, based on state law, who will inherit your property. In most cases, the result might be contrary to your wishes. Think of all the assets you’ve accumulated: house, car, jewelry, investments, family heirlooms and more. “It is simply not enough to say ‘let them just divide it evenly or work it out themselves,'” says Gerald A. Youngs, president of the National Association of Estate Planners & Councils (NAEPC). This is sure to create problems and expenses due to probate laws, state laws and court appointed strangers making family decisions.

“While many people worry about the federal estate tax, the truth is most of us won’t have a tax problem under the current tax laws,” says Youngs. “But the ‘family tax’ is a very real concern,” he adds. The family tax is the price paid by children, grand-children and favorite charities when you do not express your wishes legally. The family tax is paid not only with money, but also with hard feelings.

But it doesn’t have to be this way. You can make it easy on you and your family by taking a few simple steps to make sure your estate is in order. Whatever the size of your estate, the first step is to have your intentions put in writing, either in a basic will or a will plus the trust documents that will be needed to carry out your wishes. An estate planning professional can help you make the best decision for your situation.

Once you have a plan in place, discuss it with your family. If anyone has any questions about the details, or any quibbles, you can address them and put to rest any future squabbles. While your family shouldn’t dictate your actions, they should be informed about them.

This is also a good time to discuss dividing up personal property. People often arrange for the executor of their will to divide personal property their spouse doesn’t want (such as furniture and jewelry) among their children. Simply leaving it at that can cause problems. It is better to put together a list with a description of the property and who you’d like to have it – if you have specific requests or wishes. You can put this list together with input from your children to alleviate any hard feelings later. (See footnote at end of this article).

Putting together an estate plan is not as daunting as it might seem at first, and it pays big dividends in the long run. Not having an estate plan in place can cost you not only in dollars and cents, but also in family discord.

If you need help finding specialists in this kind of planning, look for individuals who have earned the designation AEP (Accredited Estate Planner) or EPLS (Estate Planning Law Specialist); ask about the Estate Planning Council members in your area; or call the National Association of Estate Planners & Councils at 866-226-2224 (toll free) or visit their website at http://www.naepc.org for a referral to a professional near you.

(This article originally appeared in the NAEPC newsletter – National Association of Estate Planners & Councils. Reprinted by permission from aracontent.com)

NOTE: The system for division of property taught in THE SETTLEMENT GAME: How to Settle an Estate Peacefully and Fairly may provide a better solution to this problem. It teaches how to divide property fairly, yet keep peace and avoid conflict among siblings or other family members when going through this process.

Multi-Family Apartment Loans

There are a number of different multifamily apartment financing programs available. They are generally divided into small apartment loans for properties costing between $1 million and $5 million, mid-balance loans for transactions between $5million and $25 million, and large financing programs lending for transactions with no specified upper limit, and a bottom limit of $2 million.

Small multifamily apartment financing

The Fannie Mae loan program offers financing for multifamily apartments with more than 5 rental units. The loan amounts are between $750 thousand and $3 million dollars and have terms of between 5 and 30 years. Another option in this category is a multifamily FHA loan, which is administered by HUD. These government loans are attractive because they do not depend on the volatility of the market. The source of financing remains in place because it is government allocated and controlled. Small conduit multifamily apartment mortgages are also available from 1$ million to $5 million and terms of 5 to 20 years.

Mid-balance and large multifamily apartment financing:

The same basic categories apply to mid-balance multifamily apartment financing as noted above. There are the Fannie Mae programs, FHA loans, and small conduit loans for these monetary ranges. There may be other types of loans available in addition to these so ask your loan broker about the programs they recommend.

How to get approved for multi-family apartment financing:

Specific programs have their own criterion for borrower approval. These lenders base their decision both on certain criteria that the borrower must meet and stipulations for the multifamily apartment being purchased. An example will serve to illustrate this.

Let’s say you are trying to take out a small multifamily apartment loan under the Fannie Mae program. They require that your FICO credit score be higher than 680, and that you have a minimum of 2 years’ experience with 2 multifamily properties. They also require that the post closing liquidity (that is, the amount of cash you will have after purchase of the apartment building) is equal to or greater than the loan amount.

As concerns the property itself, it must be able to demonstrate an average 90% occupancy in the 12 months prior to receiving the loan and it must have 5 or more rentable apartments. The properties are also restricted in most cases to 25 year amortization schedules.

Multi-family apartments are a good real estate investment in these troubled times. The demand for multifamily housing remains fairly steady and the existence of multiple players (i.e. the borrower, tenants, lenders, and possibly government sources) in the cash flow patterns of the transaction distinguish it from other lending and borrowing markets. So if you are thinking of getting into real estate investment, this is a potential area to consider.

Understanding Multi-Family Apartment Building Mortgage Financing

If you are planning of constructing a multifamily apartment you can get a multifamily mortgage. You should note that the Canada mortgage and housing corporation (CMHC) and the lenders usually don’t review your total debt service (TDS) and gross debt service (GDS) ratios to determine whether you qualify for the financing-they focus on your overall net worth.

The lenders usually focus on the value of your liquid assets such as stocks, bonds, and equity in other real estates. Classic cars, antique dish collections, art, jewelry, and other valuable items aren’t considered as part of the overall net worth.

How to qualify for the multi-family mortgage

For you to quality for the loan the CMHC requires that you have a net worth of at least 25% of the loan amount that you are seeking. You should note that the 25% doesn’t include the down payment that you pay for the property. For you to qualify for any loan, you should have a net worth of $100,000.

What you need when applying for the loan

When making an application you should provide evidence of the assets that you have. This calls for you to provide investment account statement, bank statements, real estate tax assessments for other properties, and notice of assessments for individual tax returns.

You should also provide a document that shows that the guarantors have been approved by the credit bureau. For the guarantor to be eligible, he/she must have a credit score of 680 or more.

The most unique thing is that unlike other lenders who advise you to leave your full time job and concentrate in your investment, the CMHC and mortgage lenders want to see that you have income from full time employment.

This gives them comfort that you have steady income even if there is an economic downturn; therefore, you will still continue to pay the mortgage even if you don’t have tenants in your property.

Conclusion

This is what you need to know about multi-family apartment building mortgage financing. While the qualifying process might seem daunting, it’s very easy when you team up with the right lender.

For ideal results you should explain your future plans for the property and the lender will evaluate the transaction and guide you on how to realize your dreams.

Remember that there is great value in teaming up with the right lender who is well acquainted with the approval process and an expert in multi-family financing.

How to Find Perfect Family Apartments For Sale in Milton Keynes?

Milton Keynes, one of the biggest towns of United Kingdom, is situated near North West London. Since, this town is comparatively new, it is quite well planned, and organised. You can find the best facilities to live here. A source says that almost 7-9 families shift to Milton Keynes every day, which is a good example of how popular this place is. Finding a perfect apartment in Milton Keynes is not a very tough job. You will find a lot of apartments that matches your criteria.

Milton Keynes is a very famous residential area. You can find luxury apartments on reasonable prices. The town is conceptualised in a great manner, and since the town is very close to cities like London, people find it convenient to work in big cities while residing in one the best towns.

It is not very difficult to find perfect family apartments. You can simply contact a property agent, and he/she can guide you accordingly. You should have a proper knowledge of the town, so that you can decide, which area you would prefer for living, or which area suits your living style.

The best thing about Milton Keynes is that you can find all the luxuries of life. There are big shopping malls, hospitals, schools, good transport system, parks, and everything that is required for a nice and comfortable living. The apartments are well maintained and well designed. The old apartments are renovated to keep them in a proper shape.

If you are looking for a perfect apartment, you have to be very clear about a few things. Looking for an apartment with random thoughts will make things difficult for you. You should be aware of what kind of apartment you need, how many bedrooms, and what kind of facilities. In addition, you have to decide if you would like to have an apartment in the hustle bustle of the town, or a little far away. The flowing river and huge green lands is very soothing to the eyes, and the environment looks extremely nice

The homes that are located far away from the busy town are cheaper as compared to the homes located near the town. You can choose whatever is suitable for you. The apartments are very well maintained, so if you decide to go for a cheaper apartment that does not mean that the apartment will be of bad quality. You will find every luxury there as well, but first, you need to finalise the location.

Once you have finalised all your details, you can inform the property agent about your requirement. He/she will help you to find the most suitable apartment for you. It has some really nice and expensive areas such as Caldecott, and other good residential areas such as Willen.

The price range of houses may differ because of the locality, and size of the homes. You can find big luxurious homes as well if you can afford to buy one. Milton Keynes is undoubtedly a nice place to live with your family, and finding a perfect apartment is not that difficult.

Living in Thailand After Retirement

My husband and I met when we were on separate vacations in Thailand. It was love at first sight for both of us, and thankfully we lived close enough to each other to where we could have a proper courtship. That was nearly 30 years ago, and we are going back to where our love story started. Before we retired several months ago, we looked at the best real estate agency in Koh Samui Thailand. We had been back to Thailand on holiday at least once every couple of years, so we knew exactly where we wanted to live once we did retire.

We were able to look at several properties online that were just perfect for us. I knew that we would not have a problem finding exactly what we wanted because the entire area is just filled with awesome properties and beautiful houses. The overall scenery is just perfect too, and we were able to narrow it down to the one we wanted easily enough. It is located right in Koh Samui, and it feels and looks like it could have been custom made for the two of us. Continue reading “Living in Thailand After Retirement”

Real Estate Fraud

This is an activity that is purposely done to misrepresent information on real estate documents. It also involves the money transfers. It is also called mortgage fraud. The reason that it is referred to as this is that the fraud generally takes place with the mortgage application. Real estate fraud, in the United States, can have heavy penalties like imprisonment and large fines.

Such a crime can be committed in many different ways. It appears to happen more often when property prices are on the rise. Because of the simplicity of the fraud, some types are seen more than other frauds. Some are not as common because they are more complicated. One of the common forms of such fraud, according to the IRS is preparing two settlement statement sets that are different from each other. In one of the statements, the accurate property-selling price is written, which the buyer receives. The other one will depict a higher selling price that is exaggerated. When the mortgage lender approves the loan for the exaggerated price, the seller is given the amount that is stated in their copy of the settlement statement. The one who committed the fraudulent settlement statements will keep the money that is left over. If there are other conspirators, the money will be divided among them. It could be the entire excess money or a percentage of it.

Using qualification that are fraudulent is another type of real estate fraud. These fraudulent qualifications are used when applying for a mortgage or home loan to help them get the mortgage. In this form of real estate fraud, the real estate agent will usually assist the buyer. The fraudulent qualifications can include fabricating credit reports or history of employment. These two involve the obvious misrepresentation of data but not all real estate fraud is easy to see as these two examples. If buyers who do not intend to commit real estate fraud because they do not know the laws can accidentally commit mortgage fraud.

If a buyer has a down payment by using money that was given as a gift it is legal. If this gift is re-paid to the who gave the gift, this is considered a case of real estate fraud. The gift used to make a down payment cannot be repaid for it to be legal. Another type of property fraud is when the buyer accidentally fails to disclose any financial liabilities on their mortgage application. It becomes fraud when it is not taken care of before the loan is approved. Property flipping can become real estate fraud if you make false representations about the value and condition of the property when you sell it for a much higher price than you paid for the property.

REAL ESTATE: Something You Might Want to Know

Real estate means the property consisting of land or buildings which also includes the natural resources of the land including uncultivated flora and fauna, farmed crops and livestock, water and minerals, simply speaking any improvements on it. Tenants and leaseholders may have the right to occupy or make use of anything that is within the dominion of the rented area depending on the terms and conditions set by the landlords.

However when we hear the words “real estate”, we often refer it to the “real estate market” from the perspective of residential living. This is grouped into three categories based on its use. It’s either be residential which is used for living purposes, commercial as used in commerce and industrial which is used in manufacture or production of goods. Residential are those undeveloped land, houses, condominiums and town homes. Commercial are office buildings, warehouses and retails store buildings and examples of industrial are factories, mines and farms.

Those who are buying a home often need to borrow money in the form of mortgage because prices are generally well above their savings. They can either avail of fixed-rate or variable-rate.

Commercial leases are mostly longer that residential and lenders may ask for higher down payment on a mortgage for commercial than home loan since generally residential real estate is usually less expensive so it is more affordable for small investor

Generally, this is affected by the primary condition to where the property is located. Profits or losses come through revenue from rent and appreciation of the estate’s value. There is also risk of tenant turnover especially if the business model is in bad condition, product is unattractive, or poor management and many more. So landlords, lessees has to make sure all is well set before lending the area/place.

Real estate can help you earn more especially if you are in hand with generating leads and setting well the properties in case you are into selling or offering rentals. You have to make sure you will be working more of what you invested. Usually property appraisals are of good and or high value, you just need to work on it. You must always and consistently putting your client’s best interests first. With that, your personal needs will be realized beyond your greatest expectations. Investing in this even on small scale, was tried and tested as true means of building an individual’s cash flow.