Want your landlord to see the energy-efficient light?The BiteRelationships with crotchety landlords and ladies can be anything but heavenly. Give 'em a few eco-tips that speak to their bottom line (hallelujah!), and you'll be one step closer to domestic harmony. The BenefitsA greener home-sweet-home. Improvements like more efficient appliances and eco-flooring benefit both you and your landlord.Better for the earth. Energy Star washers use 50% less energy than conventional ones, and eco-paint won't emit nasty stuff into the air.A 'lord that smiles down upon ya. Higher property values and lower bills (35%+ savings with energy efficiency) will win you points.Personally SpeakingJen's friends with her old landlord in DC, and he recently sent her an email saying that after a year of making her suggested small changes, the savings are now racking up. He made no mention of any rent rebates though... damn it.Wanna Try?Surefire tips for getting on their good side:AC - new air-conditioning and even shade trees can lower energy bills.CFLs - replacing regular incandescent light bulbs with CFLs in common areas can reduce lighting bills and require fewer changes.Efficient Windows - windows account for 25%-50% of a home's heating/cooling losses.Energy Star Appliances - more efficient appliances save big on energy and water.Low-Flow Johns - newer toilets like those with a dual-flush system (with a low-flow flush for number 1 and a regular-sized flush for number 2) save as much as 6 gallons per flush.Cabinets, Countertops, Flooring and Paint - eco-versions help increase LEED green building credits and raise property values. More Energy-Saving Tips - post on a public bulletin board in your complex

If you are looking to rent an apartment in new jersey, specifically apartment rentals in central new jersey or apartment rentals in north jersey.  There are many beautiful apartments for rent in Englewood New Jersey, which has apartment rentals in Bergen County.  So if you are looking for Englewood NJ Apartments for Rent then go to Bergen County Apartments. Another place with apartments for rent in Monmouth County is in red bank apartments for rent.  These beautiful apartment rentals in red bank include 1 bedroom apartments, 2 bedroom apartments and 3 bedroom apartments.

With multiple places to rent apartments in red bank nj it is a great place for apartment rentals in central new jersey and apartments for rent by the jersey shore.  Another place to rent apartment in Monmouth county are spring lake heights apartments for rent.  With many apartment rentals in spring lake heights it is a great place to rent an apartment by the jersey shore.

When people are looking to buy real estate the old adage is “Location, location, location.”  When you are looking to rent an apartment or other types of real estate that is also a major criteria.  In addition to location there are other things to consider when you plan on renting an apartment.  The list is in no particular order of importance, or rather the order of importance is your personal choice.

Monmouth County NJ Apartments for Rent are valuable pieces of real estate to rent.  If you are looking for red bank new jersey information and Monmouth County Rentals, this is the place to go.  Red Bank New Jersey is in Monmouth County.  When you are in the market for Red Bank NJ Apartments for Rent, make sure to check out these beautiful townhouses.  For Bergen County NJ Apartments for rent make sure to check out this lovely apartment complex in Englewood.

 

Since renting an apartment is where you will be residing, location is the first criteria when you are in the market.  Location of the apartment has a different meaning than when you are buying real estate.  Location in the rental market is usually shorter-term than a possible long-term real estate investment.

 

 

Is Your Rent Control Landlord Trying to Force You Out?Digg  Monday, July 28, 2008
As a general rule, landlords aren't exactly in favor of rent controls. There are plenty of tactics they use to work around rent controls, including trying to force out current tenants so that the landlord can adjust the rent to market rates, thereby leasing to higher-paying renters.
If you feel that your landlord might be trying such a scheme on you, you need to learn your rights in the matter.
Your rights as a renter are different depending on which state you live in. The OhMyApartment Renter's Resources page is divided by state, giving you links to information on your rights in each state.
You also need to recognize warning signs that your landlord is encouraging to you to move out, aside from obvious threats and coercion. Some landlords employ subtle techniques, but just because they are quiet about it doesn't mean that you can't protect yourself.

Darren Stern, a landlord who owned many rental properties through California-based Landmark Equity Management Inc., tried to convince tenants in rent-controlled properties to move out. He refused to make repairs to the point of criminal negligence, lied to tenants and illegally raised rents. Stern used a number of tactics against his tenants for over six years. It took tenants who knew their rights to bring his actions to the attention of the San Fernando Valley city attorney, who finally brought Stern to justice.
If you're facing unfair eviction from a rent-controlled apartment--or even some form of coercion to convince you to leave on your own--it may be hard to prove. Do your best to document any instances of coercion or threats; even something as simple as writing down dates can be helpful in the long run. Furthermore, you can insist that your landlord do things by the books if he's actually trying to evict you.
Some unscrupulous landlords might inform you that you're being evicted, but skip the paperwork. In areas with rent-controlled housing, like New York City, a landlord must complete a specific form before carrying out an eviction on a rent-controlled apartment. In NYC, the form is called an "Owner's Application for Order Granting Approval to Refuse Renewal of Lease and/or to Proceed for Eviction for Owner Occupancy." Even if it's granted, your landlord will need to go to court to evict you, giving you the opportunity to prove that it is an unfair eviction.
Just remember that as a tenant, you have rights.

For apartments in New Jersey go to Raritan Crossing.  They are pet friendly apartments and New Brunswick NJ apartments.  Rentals near Metropark and apartments in Middlesex county.  For apartments in central NJ this is the place for you with Apartments in Middlesex County NJ. Raritan Crossing has apartments near metropark, apartments near Rutgers and apartments near Robert Wood Johnson.

Tools for Evaluating the Neighborhood
Get to know various neighborhoods before you look for apartments. Check out crime rates, quality of schools, and more.

School Reports
Here's a tool from Monster.com, which allows you to review the statistical profile of many (but not all) schools in a given neighborhood.
Neighborhood Red Flags: How to Decide if It's Right for You

For apartments in New Jersey go to Raritan Crossing.  They are pet friendly apartments and New Brunswick NJ apartments.  Rentals near Metropark and apartments in Middlesex county.  For apartments in central NJ this is the place for you with Apartments in Middlesex County NJ. Raritan Crossing has apartments near metropark, apartments near Rutgers and apartments near Robert Wood Johnson.

CREDIT AND ITS IMPACT ON INVESTMENT LOANS

The status of your credit plays a major role in helping you to obtain commercial real estate financing. It helps to determine how much financing for which you will qualify and what kind of an interest rate you will get on the loan. Unfortunately, most people do not pay attention to or monitor their credit files on a regular basis. If you are going to invest in real estate, this is an absolute “must.�

What is good credit?

Good credit for a commercial real estate investor usually means about twelve to fifteen “trade lines� of seasoned credit in a credit report, with several real estate loans either showing as active or having been paid off successfully. For example, car loans, current mortgages, and charge cards which are at least two years old and show no late payments. Again, for real estate investors, successful maintenance of real estate loans is a “must.�

Now granted, not everyone is perfect (in fact, very few are!) and we all have our ups and downs, so don’t be worried if you have a few 30-day late payments or some old collection accounts on your credit report. Today, credit reporting systems use a complex method of evaluating credit patterns which is distilled into and issued as a “credit score.� The higher the number, the less risk there is that a borrower is likely to “default� on a loan.

While this process, called “credit scoring,� is in full use for residential loans, the commercial lenders are only now starting to adopt it. There is a trend to use them by certain non-bank lenders for loans less than $2,000,000 or so.

Most underwriters (the people who would approve your loan) and underwriting systems that review your track record are looking for trends. In other words, they’re looking for a history or recent pattern of good or bad credit. Isolated incidents should not affect your ability to get a loan.

How Can You Repair Your Credit?

In most cases, a simple letter or phone call to the credit card company or business that originally gave you the “credit� can put you on the right track to having that “scar� removed from your report. It may not even be necessary though, based upon your recent credit patterns!
Sometimes they’ll require you to pay-off the balance of your debt or send in a letter explaining why you were late with your payment. Don’t pay any creditor off without talking to a qualified professional financial advisor or mortgage consultant first!

However, if you have a history of recent late payments, you’re probably going to have to let time take its course (although there might be trick or two here you can use).

There are a million scenarios I could review, but I think it’s important you walk-away with two key thoughts from this: 1) Your credit can make or break your ability to acquire a loan; and 2) you must know what is on your credit report, your credit score, and begin to examine and, if necessary, repair any credit problems immediately.

What Role Does Your Investment History Play?
Your investment property loan history or “track record� will play an important role in whether or not a lender will want to finance your next property. Investment properties, and their respective loans, are often looked upon as a higher credit risk than if you were buying your own home. So, if you have a proven track record of successfully selling or managing investment properties loans, with no late payments, then you are more likely to get your loan approved.

The bottom line is that “credit� or, more accurately, “credit history� is a major determinant in your ability to finance commercial real estate. Pay close attention to this area of your finances if you intend to be an active investor and manage your credit as you would one of your properties: Actively.

By Craig Higdon

About the Author:

“The Investment Property Insider� is published by Craig S. Higdon, a veteran commercial mortgage broker. He publishes the weekly e-zine and blog, www.InvestmentPropertyInsider.com, for commercial real estate investors, developers, and industry professionals. Visit the blog and get this free report: “The 7 Biggest Loan Mistakes Real Estate Investors Make And How To Avoid Them.�

Submitted at: Content-Articles.com - WebSite Content and Article Directory

 

 

 

 

 

 

 

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THE INNER GAME OF COMMERCIAL REAL ESTATE

Every once in a while I get an internal reminder that I am a work in progress. In this instance it was not one of those “hit you over the head with an 8 pound sledge hammer� reminders that you get when you have been particularly blind to your own faults. It was more of a little “A Ha!� that had larger implications if uncorrected. And by being aware of this quiet reminder, I hope to avoid the previously referenced sledge hammer in the near future!

The subject of my internal wake up call was driving a beautiful new black Mercedes 550S Class sedan and was waiting to make a left hand turn across my lane. The driver was female, looked like she had just gotten back from the salon, and was politely waiting for me to pass. She did nothing wrong, sat there calmly waiting for me to drive by, with her flasher on. As I drove by I thought to myself something like: “Oh boy, there goes another rich twit in her paid for …�

Whammo.

The guardian of my mind popped into my head waving his mechanical arms like the Robot in an episode of that 1960’s television series “Lost in Space.�

“Warning!� “Warning!� “Danger, Craig Higdon!!!�

For those of you too young to know the reference, I’m sure that you can find an old episode somewhere on cable TV. You won’t have to wait too long before ol’ Mr. Robot shows up to give you a demonstration.

Anyway, do you realize what my “guardian� did for me? He trounced all over a “limiting belief� and gave me a chance to correct it.

Choosing Our Beliefs

For those of you not familiar with the term “limiting belief,� I first came across it while investigating Neurolinguistic Programming, or “NLP� some years back. NLP is a study of internal and external communication processes and its effect on human behavior.

One of the things that you learn in the course of studying NLP is that in large part our behavior is governed by our beliefs … and that our beliefs are what we make them! Think about that for a moment … we chose all of our beliefs! Everything that you believe about everything was a choice that you made. You will have to take my word for it for the moment because I could fill volumes on just this aspect of NLP.

Just for fun, you might want to examine a belief or two that you have. Start with something simple like: “I believe that peanut butter is good for me.� Now ask yourself a few questions:

When did I start to believe that? What evidence do I have that makes that true? What evidence do I have that makes that not true? What do I get out of believing that? What would happen if I did not believe that?

There are more questions to ask that would help you to change a belief, but hopefully in the course of asking yourself the questions above you came to the realization that you decided to adopt that belief at sometime in the past based upon some rules, some evidence, or an experience that you had. This has some interesting implications, doesn’t it?

And what does this have to do with commercial real estate investing, commercial loans, and construction projects? Quite a bit, actually.

One of the questions that I get frequently is: “How do I get started or go to the next level in commercial real estate?� The overly simple answer to that is: “Well, first you have to believe that you can!�

Limit Those Limiting Beliefs

Let me illustrate this. I have had people who owned multiple 1 to 4 unit properties, maybe 20 to 30 units in all, ask me how to buy their first apartment building or other piece of commercial real estate. When I get that question I have to chuckle … because they already have an apartment building! It is simply broken up into smaller chunks. Granted, the mechanics of multifamily real estate are slightly different than for multiunit residential, but in this case the questioner is already a commercial real estate or “income producing real estate� investor. He just hasn’t realized it.

He doesn’t “believe� that he’s is a commercial real estate investor and has thus artificially “limited� his options for investing. He does not yet “believe� that he can invest in other types of real estate.

So let me get back to my story and my little mental guardian. I passed the nice lady in the Mercedes, saw her make her turn in the rearview mirror, and we both went our merry ways. As I drove away, I changed my thoughts about her to: “She has done well and I wish her to continue to do well.�

Because I have had a little training in NLP I was able to catch myself looping into an old belief about wealth and wealthy people and make the “change� at the time in my thinking. The experience did serve to remind me that I need to be vigilant in my “belief monitoring� and that I might want to make a personal inventory of my beliefs concerning wealth in the near future.

And if you don’t think that you have some buried beliefs about wealth and being wealthy that are working against you in your real estate investments, my friend, you are simply kidding yourself. They are all there in the daily newspapers, T.V. shows, magazines, etc. You probably can’t go 10 minutes without hearing or seeing something “bad� about making money or being “rich.� Have you ever heard the phrase “filthy rich?� Uh huh. And I’ll bet that you know a bunch of others, too.

So you need to place a guardian in your mind to sift out those limiting beliefs. This will help you with any self-sabotage you may have encountered in your life. It is not easy without the right tricks, but it is very rewarding. So as you develop your commercial real estate investment techniques, remember to focus on your inner game to manifest your outer goals.

Note: NLP is slowly being supplanted by a more powerful “technology� called Hemispherical Integration. You can find out more about it at the web site NLPLA.com.

By Craig Higdon

About the Author:

WANT TO USE THIS ARTICLE IN YOUR E-ZINE OR WEB SITE? You can, as long as you include this complete statement with it: ‘“The Investment Property Insider� is published by Craig S. Higdon, a veteran commercial mortgage broker. He publishes the weekly e-zine and blog, www.InvestmentPropertyInsider.com, for commercial real estate investors, developers, and industry professionals. Visit the blog and get this free report: “The 7 Biggest Loan Mistakes Real Estate Investors Make and How to avoid them.�’

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