Can You Rent if you Filed Bankruptcy?: Leasing After Financial Troubles

Filing personal bankruptcy can have serious implications for both your credit score and your ability to rent a house or an apartment. In many cases, however, a bankruptcy filing will not stop you from renting. While a bankruptcy may raise potential red flags for your prospective landlord or management company, it is possible to overcome this logistic hurdle and rent property.
Income and Employment History

While a decade-old bankruptcy will likely have little effect on your ability to rent, recent discharges or those currently in bankruptcy court are likely to raise red flags about your ability to manage finances. Fortunately, your current level of disposable income and your history of employment are also two important factors that landlords will likely consider when deciding whether to rent to you. If you have a stable work history, sufficient income to pay your rent and are able to show proof of stable, long-term income, your bankruptcy may not be a barrier to renting.

Before you attempt to rent after a bankruptcy, it may be useful to compile the following documents:

Detailed work history, listing your pay in each position
Past income tax returns
Pay stubs for the past six months
Outline of your current expenses/debts
Copy of your bankruptcy documents
Past leasing history
Financial references (for example, banks and past landlords)

Further Reading
Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
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Credit Score

Some landlords or property management agencies may require tenants to have a certain credit score in able to rent. If your debts have not been discharged and you still have outstanding accounts in collections, prospective landlords may count this against you when considering whether you are a suitable renter. Likewise, even after having your debts discharged, your bankruptcy will continue to remain on your credit report. Even without outstanding debts, some management companies and landlords may deny you a lease based on your credit score.

In some cases, you may be able to overcome the issue of a poor credit score by paying a security deposit plus the first and last month’s rent up front. Likewise, automatic debits for your rent payments may give prospective landlords a sense of security.
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Rental History

Like your income history, your history of renting can also affect your ability to rent. If you have a history of paying rent or making mortgage payments on time, your prospective landlord will likely take this into consideration when deciding if you would make a suitable tenant. Ultimately, most landlords care more about whether you can make monthly payments than whether you got over your head in credit card debt in the past. Establishing that you have been a good tenant by showing copies of past leasing and providing contact information from past landlords can be particularly helpful in establishing a good rental history. If you have had a foreclosure or eviction in addition to your bankruptcy, this may affect your ability to rent, however. That said, it will not necessarily preclude you from renting, particularly if your foreclosure or eviction was over ten years in the past or stemmed from unusual circumstances such a serious illness that precluded you from working.
Legal Advice: Bankruptcy and Leasing
Co-Signer

If you cannot produce proof of income or if your prospective landlord has concerns about your bankruptcy affecting your ability to pay rent, he may ask you to find a co-signer for your lease. In such situations, the landlord would consider your co-signer’s credit history and income when making a leasing decision. While some co-signers may be reluctant, both of you should keep in mind that the co-signer would only be responsible for your rental payments should you be unable to make your rent payments on time. Thus, if you are considering a co-signer, make sure that you are choosing a property that you are certain you can afford.

If you are uncertain that you will be able to make regular rent payments even with a co-signer, finding a roommate or month-to-month house-sharing situation may be more practical and ensure that you do not put anyone (including yourself) in a financial bind. In all situations, it is important to be honest with prospective roommates, landlords, and co-signers about your financial situation.
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Statement of Circumstances

Just because you filed bankruptcy does not mean that you are irresponsible with your money or unable to manage your finances in the future. Indeed, many bankruptcy filers are forced to enter into situations because of circumstances largely out of their control. If you experienced any mitigating circumstances that led to your bankruptcy, it may be helpful to describe them in a letter to prospective landlords. For example, if you experienced any of the following, it may mitigate the negative effects of a bankruptcy:

Divorce
Job loss/unexpected lay-off
Serious illness, accident, or disability
Death of a spouse on whom you were a financial dependent
A child’s serious illness that required you to change your work situation
Identity theft/victim in financial crime

Establishing Sufficient Income

Some landlords, particularly those unaffiliated with a management company, may be flexible in looking at your income sources when determining your suitability to rent after a bankruptcy. Thus, when you present your financial case, make sure that you list all sources of income, including:

Regular wages from work
Disability or retirement income
Spousal support
Child support
Money from legal settlements
Severance pay
Money from freelance work/odd jobs
Regular financial help from family members
Financial aid, if you are a student
TANF or other government-funded financial support for families
Income of other family members, including teenage children with part-time jobs who will assist you with your bills or children who receive Social Security death benefits or disability payments

You may need to outline all of your current debts, so consider the following when determine how much money you have to allocate to rent payments:

Child support payments
Alimony payments
Outstanding payments to creditors (for Chapter 13 bankruptcy filers)
Auto payments/transportation costs
Child care costs
Personal debts that you repay monthly, including personal loans
Student loan payments
Utility payments, if they are not included in rent, including cell phone bills
Unreimbursed work-related expenses
Tuition costs, if you are a student

Best Apartments in Evansville, Indiana

Moving to Evansville?

Are you looking for an apartment in Evansville, Indiana? Does your apartment need to be affordable? How about pet-friendly? Do you want apartment amenities like a fitness center or swimming pool? I have researched all the apartments in Evansville, reviews, amenities, price and many other aspects and the best ones are listed right here on ONE page! I have only listed 1 bedroom prices thus far but I will be adding 2 bedrooms and up later so bookmark and come back!
Affordable Evansville Apartments – 1 Bedroom Apartments starting under $450 per month

Most include few amenities and some do not allow pets. All apartments are either highly rated on ApartmentRatings.com or have a good reputation.

Western Hill Apartments

1140 Western Hills Drive, Evansville, IN 47720

812-423-5149

WestApt.com

Starting at $424 per month for 1 bedroom, 550 square foot apartment

1 bedrooms only, located on West side of Evansville. Cats allowed, FREE WiFi, Security Cameras, Emergency Maintenance, Locally Owned and Managed.

89% of raters recommend this apartment complex

Image Source: Western Hills Apartments Facebook page
Orchardgate Apartments

491 Applewood Court, Evansville, IN 47712

812-423-3900

Orchard Gate Apartments

Starting at $395 per month for 1 bedroom, 550 square foot apartment

1 and 2 bedrooms, located on West side of Evansville. NO pets, family owned, clubhouse.

86% of raters recommend this apartment complex

Image Source: Orchard Gate Apartments
Woodbridge Place Apartments

3550 Woodbridge Drive, Evansville, IN 47710

812-428-0448

Starting at $420 for a 1 bedroom, 700 square foot apartment.

1, 2 and 3 bedrooms, located on North side of Evansville. Cats and all size dogs allowed, water/trash/sewage included, outdoor pool, 2 and 3 bedrooms have washer/dryer hookups, laundry facilities on site.

73% of raters recommend this apartment complex

Image Source: Me! This was shot from my balcony when I lived at Woodbridge Apartments

Mid-range Evansville Apartments – 1 Bedroom Apartments $450-600 per month

Most include several amenities and most allow pets. All apartments are either highly rated on ApartmentRatings.com or have a good reputation.

Devonshire Gardens

815 Erie Avenue, Evansville, IN 47715

812-473-6070

DevonshireGardenApartments.com

Starting at $519 per month for 1 bedroom, 816 square foot apartment

1 and 2 bedrooms, located on East side of Evansville. Cats allowed, walking/jogging path, washer/dryer connections, covered parking available.

100% of raters recommend this apartment complex

Image Source: Devonshire Gardens
Mulberry Square

237 Mulberry Street, Evansville, IN 47713

812-423-2747

MulberrySquareAptsHomes.com

Starting at $525 per month for a 1 bedroom, 744 square foot apartment.

1 and 2 bedrooms, located in Downtown Evansville. Pet friendly, washer/dryer INCLUDED in every apartment, 24 hour emergency maintenance.

100% of raters recommend this apartment complex.

Image Source: Mulberry Square Apartments
North Park Apts of Evansville

1125 Wellington Drive, Evansville, IN 47710

812-424-1811

NorthParkEvansville.com

Starting at $484 for a 1 bedroom, 750 square foot apartment.

1 and 2 bedrooms, located on North side of Evansville. Cats and dogs allowed, water/trash/sewage included, outdoor pool, townhouses have washer/dryer hookups, free WiFi in clubhouse area.

84% of raters recommend this apartment complex

Image Source: North Park Apartments
Diamond Valley Apartments

1151 Diamond Place, Evansville, IN 47710

812-426-1640

DiamondValleyAptHomes

Starting at $495 per month for 1 bedroom, 850 square foot apartment

1, 2, and 3 bedrooms, located on North side of Evansville. Cats allowed, fitness center, clubhouse, several paid utilities.

81% of raters recommend this apartment complex

Image Source: Diamond Valley Apartments

Luxury Evansville Apartments – 1 Bedroom Apartments $600 and up

Most include many amenities and allow pets. All apartments are either highly rated on ApartmentRatings.com or have a good reputation.

Lakeshore Apartments

727 Beachfront Drive, Evansville, IN 47715

812-303-7780

LakeshoreApartments.net

Starting at $700 per month for a 1 bedroom, 831 square foot apartment.

1, 2, and 3 bedrooms, located on the East side of Evansville. Pet friendly, outdoor pool, clubhouse, fitness room, playground, washer/dryer hookups.

85% of raters recommend this apartment complex.

3 Money-Saving Tips on Car Rentals in Abu Dhabi, UAE

Winter is coming and for many commuters and travelers in the UAE, that means negotiating their car rental contracts, now that many are back from the refreshing Eid holiday. From loyalty programs to selecting the best pick-up location, there are a number of ways you can save money on your next rent a car.

Follow these three money-saving tips to get a better deal rent a car abu dhabi

Become a Loyal Customer

If you haven’t been renting a car from a particular dealer long enough and oral promises don’t work, try prepaying an additional sum to show your inclination of becoming a long-term client. Chances are that you could qualify for a loyal customer program. If however you have been renting a car from a company since 6 months or more, you could be in a position to receive discounts or free upgrades.

Zero-down on your Requirements

Determine ahead of time what ‘extras’ you may need and consider the costs so that they fit within your budget. Items to consider:

  • Car Size: Consider the size of the car you are renting. Do you really need that SUV if it’s just you and another partner traveling?
  • Insurance: Contact your travel insurance and credit card company to see if you already have enough coverage. Thirdly, look at available insurance options with the car rental provider. While insurance cover might be essential, you might not need the pricey full insurance option.
  • Mileage limit: Consider the distance you’d be driving every week and opt for a small mileage package if you need to move about short distances in Abu Dhabi. Be sure to check how much you’d be paying for the extra miles should the need arise.

Skip Renting from the Airport or Hotel

Ignore the car rental kiosks at the airport terminal or your hotel. You’ll surely be able to get a much more cost-effective deal if you Google “car rental companies in Abu Dhabi” from the airport or the country you’re traveling from before reaching Abu Dhabi. Try OneClickDrive.com to ease your search, communicate with the car rental dealers directly and have the car delivered straight to you at the airport arrival terminal.

For more information, visit OneClickDrive.com

Refurbishing an Apartment

Apartments need to be refurbished, at least minimally, before they can be rented out again. New tenants will want to live in an attractively kept place that they can be proud to call home. The apartment owner or manager must decide what needs to be done before putting it on the market. Taking the time to refurbish an apartment may mean that its rent can be raised. It will also enable you to rent the place out quicker.

Lay plastic or cloth drop-cloths over anything that you don’t want to get paint on. Scrape off any old paint that may be flaking. Wipe down the area with a wet rag. Use a patching compound to fill any holes in the walls, and wipe the excess away with your finger. Sand the areas once dry. Tape off the room so the paint does not get in unwanted areas. Prime the walls and allow to dry. Paint the walls. Allow to dry and add a second coat if necessary. Paint other areas as well, such as windowpanes.

Replace the windows. Research the best windows that can help the new tenant save as much energy as possible within your allotted budget. Hire a company to replace the windows for you if necessary. Be sure they are installed securely and can be easily opened and closed.

Update the flooring where necessary, keeping in mind that carpets carry many allergens. Consider getting rid of them altogether. Replace them with tiles or another type of flooring. Refurbish wood floors that may be hiding under carpets, as this will make the apartment more desirable. Hire a professional for this job if necessary.

Have the electricity updated by a professional if the place has old wiring or problems exist. Replace cracked or broken outlet and switch plate covers. Choose switch plate covers to match something other than the paint on the walls.

Hire a plumber to replace piping if you cannot do it on your own. Consider replacing sinks, toilets and tubs or shower stalls as well. Install a new water heater. Have the furnace and oil tank inspected. Get the furnace cleaned and the filters replaced.

Rent An Apartment Or A House ?

Which is better, renting an apartment or a house? The answer to this question is how much privacy do you need?

Privacy is at a premium in an apartment building …neighbors, landlord. You never know what a neighbor will do with your personal information. Your neighbors have access to your mailbox since they are usually grouped
and many times, if something is too big for the box, the mail will be left on a building’s entrance steps or landing and neighbors can also see who comes and goes from your apartment, including the landlord.

You share a common laundry area and maybe even a common locker area although locked. The items you are storing are generally visible through the cage-like construction of the lockers. You also may share common parking areas, including a garage.

Another area of concern, if you have turmoil inside your apartment, the adjacent residents are usually privy to the turmoil. Let’s face it, we all lose our cool at times.

Other disadvantages are you do not get to pick your neighbors and the caliber of some may be poor. You won’t know your neighbors history, particularly legal. Many landlords do not do background checks prior to renting to a new tenant. Apartments generally lack space in comparison to a house. There also could be restrictions on pets.

There are pluses to living in an apartment. You may meet new friends to join your circle of friends. Apartments rent for less than houses. You may have recreational facilities and even a swimming pool. You have less responsibility than renting a house. No outside property maintenance is expected. Cleaning of common areas is arranged by the landlord (laundry, recreational facilities and garages).

Now renting a house is expensive. A consideration is the fact that you could almost purchase your own home for the same money.

Other disadvantages could be exterior and interior maintenance. In some cases the landscape maintenance (keeping property clear of dangerous items and clutter, lawn mowing and snow removal) is the the responsibility of the tenant. Sometimes the landlord will provide the equipment necessary to accomplish the maintenance.

Interior maintenance may be partially covered by the landlord (landlord may supply paint for your labor) but if there is an electrical, plumbing or heating problem, the landlord would most likely hire a professional unless the landlord is extremely experienced and knowledgeable in maintenance issues. There are some laws requiring repairs be made by a licensed individual. Garbage pickup is an expense which will probably be borne by you.

There are slum landlords in this world who do nothing to maintain their property and just let it deteriorate. However, there are also some very conscientious landlords who are interested in maintaining the value of their property.

The landlord could be discouraged from renting, maintenance and the responsibilities or purchased the property for investment purposes and put the property up for sale. When the property is sold, you may no longer have a home and will be required to find another place to live on a short time frame (30 days or less). You may not receive the notice until the next rent payment is due.

The foremost advantage of renting a house is the privacy factor. Your neighbors have very little access to your private information unless they are snooping in your mailbox (against the law) or lurking the exterior of the house.

Even if you have great neighbors, you can keep them an arms-length away by keeping private matters to yourself.
You may also wish to do some gardening like grow your own crops to supplement the family’s budget and nutrition. A house may provide more living space than an apartment. You also may be allowed pets providing you keep the premises free of pet paraphernalia.

Unless the landlord is casing his house, you will have freedom in entertaining. The noise should not bother anyone unless the party overflows to your neighbors.
Hopefully, your family and friends will respect your home
and surroundings.

Now that you have read some of the pros and cons of renting an apartment versus renting a house, you can make an informed decision on which way to move. I have attempted to cover both sides of the rent an apartment or rent a house
issue to assist you in one of life’s many decisions you must make.

4 Ways To Shop For Apartment Rentals

There is plenty of information out there for people looking to purchase homes or condos, but what about Destin apartment rentals? Not everyone is interested in buying property. Sometimes renting makes the best sense. But if you’re not prepared, you could end up getting stuck in a lease that makes the next 6 months to a year a complete nightmare. Before you begin apartment hunting, consider the following suggestions.

Work with a Real Estate Agent

The biggest misconception out there is that Realtors are only for people interested in purchasing properties. In reality, real estate agents help thousands of clients every year find the perfect apartment to fit their needs. Real estate agents know about available rental units before they hit the Internet or are featured in those apartment hunting booklets you find at the grocery store. They can have insider knowledge that can be extremely beneficial to your apartment search.

Another thing that a real estate can do for you is negotiate the price of the rental unit. Many first-time and seasoned renters do not realize that rental prices are negotiable. This is especially true if you’re working with an owner who may be renting his or her second house or vacation property. But even if you’re working with a management company and looking at renting in an apartment complex, there is still room for negotiation. In addition to discussing rent, real estate agents can help you negotiate free or reduced parking, security deposits, and length of the lease.

Walk through the Apartment

Pictures online and downloadable floor plans are not enough to help you make a decision. Walking through the rental unit gives you a feel of the space and can bring to light potential problems such as noisy neighbors, street traffic, or a lack of outdoor space.

Are you searching for an apartment from a long distance? If you’re moving to a new city and can’t travel to view the rental you’re considering, ask a friend or family member who lives in the city to walk through the rental for you. Technology can even help you be a part of the walk-through thanks to various smartphone and tablet apps. At the very least, hire a real estate agent to walk through the unit for you and give you their professional feedback.

Protect Your Rights and Get Everything in Writing

It goes without saying that the agreement between you and the landlord should always be put in writing. Verbal agreements over rent amounts, pets, lease terms, and other important aspects of renting should never be considered good enough. A written contract with the management firm’s or the owner’s information should be signed before keys are handed over.
In this contract, make sure your rights as the tenant are clearly stated. One of the most common causes of landlord/tenant disputes is over privacy rights. Landlords do have a right to enter the premises under certain situations, but these circumstances are very specific and usually only if it is a case of a safety or violation of the law.

Buy Renter’s Insurance

Because renters do not own the physical property, they often forgo seeking renter’s insurance. It may seem like an unnecessary expense, but the personal items that you have within the walls of your rental unit are valuable. You may have equipment for work, priceless paintings, or expensive furniture. If a fire would occur or a weather-related event would destroy your belongings, not only are you out a place to live, but you’ll have to use your own money to replace your belongings. Renter’s insurance is relatively inexpensive and a must-have for all renters.

Following these tips when you begin your search for Destin apartment rentals will make the process easier and a lot less stressful.

Serviced Apartments And The Woman Business Traveller

Here come the girls

It’s not news that the business class seats of major airlines are increasingly being filled by women in power suits clutching Blackberrys, iPhones & laptops as their hand luggage. Men may still do the lion’s share of business travel, but the number of women travelling for business is fast increasing. Leading players in the business travel industry and human resource personnel in multi-national companies now recognise that these female business travellers have different needs and concerns to their male counterparts – do you?

Whether women are travelling domestically or abroad, it’s important that their concerns and needs are addressed and met by their employers, business partners and hosts. Chief among these concerns are health and safety.

• Safety – Safety is a major concern for all business travellers, but it is an even greater concern for female travellers, especially those travelling internationally on assignments. It’s important to ensure that the accommodation you choose for your female employees is safe. This is especially true in developing countries where women may not commonly travel alone, and security and policing may not be as stringent as it is in the Western world.

•Health – It’s well-known that, in general, women are more concerned about their diet and health than men. Access to good food and exercise facilities are important factors to consider when you are sending female employees on assignment. Exercise and nutrition are not only important to women fighting to maintain and improve their figures, they are also important to maintaining good general and mental health. An absence of facilities for maintaining health and well-being could lead to poor general health, which in turn could compromise work performance.

How do serviced apartments meet the needs of female travellers?

Serviced apartments offer a safe and secure environment, and address the particular safety and health needs of female guests in a number of ways

1.Like hotels, serviced apartments have 24-hour security, concierge and reception services.
2.Traditional keys have been replaced with key-cards which are programmed specifically for each guest. These cards enhance safety and security as lost or stolen cards can easily be cancelled to ensure that nobody can gain unauthorised entry into an apartment. In addition, as the cards don’t bear the guest’s name or apartment number, even if the card is not cancelled, the apartment for which it was programmed is not apparent.
3.Most serviced apartments are strategically located near business districts, transport links, and places of interest such as tourist spots and shopping districts. This makes moving around the city easy and safe for female business travellers.
4.When it comes to health, many serviced apartments have fitness and wellness centres that offer yoga, pilates, and women friendly fitness equipment and weights.
5.One of the major advantages that serviced apartments offer over hotels is the kitchen facilities they have. It’s true that the kitchen is no longer exclusively a female domain, but, as diet and nutrition are a key concern for most women, the ability to prepare and cook food is a considerable bonus when travelling on business. This is especially true for those on special diets, those looking to maintain their figures, or those looking to lose weight.
6.Serviced apartment units offer more space and privacy than hotels. For women with children, serviced apartments even offer the opportunity to travel with family in tow.
7.Serviced apartments have all the comforts and facilities of a home. This helps female business travellers to maintain a sense of normality whilst working away from home.

As the world of business becomes less and less gender specific, serviced apartments can provide accommodation that answers the growing needs of women business travellers. Indeed, it’s a woman’s world.

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.

Article Source: http://EzineArticles.com/8908229

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.

Article Source: http://EzineArticles.com/6433523

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 →