Check my Harp 2.0 Eligibility in 90 seconds

Low Harp mortgage rates for Investment Condo HARP Refinances are helping investors improve cash flow and buy more property. I am pleased to have Chris Brown provide this feature post.

Chris Brown Mortgage Review

Ryan and Ashley are your next-door-neighbor kinda folks in Brevard County, FL. In addition to their home, they own an investment condo that is under water. They have understood for some time that buying Cape Canaveral investment real estate is where the smart money is going, even now, and even though their first experience created negative equity. Couple the cheap Brevard Real Estate prices of today with the unsustainably low mortgage interest rates and you result in some of the best Brevard County, FL real estate opportunities in our life time. While Ryan and Ashley were looking to add to their real estate portfolio, they began to wonder what they could do with the property they already had… there had to be a way to help improve the cash flow without needing to do a Cape Canaveral Short Sale. If there wasn't they were open to the short sale, but really wanted to keep their investment property. Fast forward to today. In addition to helping Ryan and Ashley structure a new investment property purchase, we uncovered that it made sound financial sense to refinance of the upside down investment condo in Florida they already have through a Cape Canaveral Harp 2 Refinance. How HARP and The Chris Brown Team's mortgage planning benefited Ryan and Ashley Loan Before HARP: Balance: $340,000 Interest Rate: 6.25% Interest ONLY Payment: $1770.83 New HARP Loan: Balance: $346,700 Interest Rate: 4.000% P+I Payment: $1655.20

$105.63 lower Harp payment AND $499.53 now going to principle!

That is a combined benefit of $605.16 beginning in the first month of the Harp 2.0 Success Story, increasing every month after that since each month a little bit more is going to principle. Can $105.63 = $605.16? Yes, it just did. Who do you care about that may also benefit from improving their position $605.16 every month just like Ryan and Ashley? You may choose to share this with them on your Facebook page with the share links above. Check my Harp 2.0 Eligibility in 90 seconds Certified Mortgage Planners and Chris Brown are nationally recognized HARP Experts for the Florida HARP Loan Refinance Program.

Have questions contct Chris Brown Direct 407.367.2974 / Chris@cmpfl.com

Say thank you with local florist

Feature post from Joan Sinatra

You can stand out as an investor that cares by sending congratulatory and good luck plants or florals to your new tenants. Let them know how much they are appreciated and they in turn will feel more welcome. You'll be pleasantly surprised how inexpensive sending move-in gifts can be, and the return….priceless.

 

As an investor helping your property manager show the full potential for a property is key. Having a floral and interior-scaping professional you can count on is as important as presenting a clean and well staged space. In a furnished space, whether a home setting or office situation, a few strategically placed fresh floral’s or plants can liven up a room. By bringing life into the room, it allows a client to see themselves living or working there too. Flowers and plants are a large part of the staging process and make your property look more appealing than your competitors.

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 Your property can have that wow factor when being shown, with a simple phone call to Sinatra’s Flowers & Design Center. We will keep a photo log of the floral style you prefer on file so that your signature look is represented time after time. At Sinatra’s Flowers, we offer on site set up for your real estate showings, as well as cash and carry pickups for those last minute appointments. Call us at 455-1551 or visit our website http://www.sinatrasflowers.com/

 

 

 

 

 

 

 

 

 

 

The Effects of Rain and Weather on Your Pool Water

Feature post from Joe & Wendy Hale, Blu Water Pool Service, Inc.

The rain levels have definitely increased this year which is excellent for the environment but can wreak havoc on your pools. Normally any pool needs service once a week, but we are seeing an average of 2-3 rain storms a week now in our area. It is always best if the pool has been shocked not to go in for 24 hours after treatment the pool needs filtration longer than normal. If a lot of rain has occurred techs will return to properties to check on the water balance the next day. Our goal is to have you swimming again as quickly as possible.

Here is some helpful future information:

 

 The Effects of Rain and Weather on Your Pool Water

Rain and other weather conditions have a big effect on your pool, so pool care must take some factors into consideration. In general, rain and wind add the following to the pool:

• Contaminants that provide food for algae and bacteria growth

• Contaminates that consume chlorine residual

• Fresh algae spores

Understanding the Chemistry

Rain and wind collect contaminates from the atmosphere as it falls to the ground. These contaminates have an immediate effect on the pool water. As contaminates enter the pool, the chlorine in the water, using its oxidizing power, will attack the contaminates. This will remove the contaminates from the water and simultaneously deplete the chlorine level!

Whenever contaminates entering the water exceed the amount of the pool’s chlorine oxidizing power, the free chlorine level will drop to zero and leave some un-oxidized contaminates in the water. The remaining contaminates feed the growth of bacteria and algae. Overnight, the pool can turn hazy and algae growth can become visible.

Rain often affects the pH also. Many rains are “acid,” thus causing the pH to lower. That’s why it’s important to monitor your pH after rains.

How to Respond

Regular, weekly shocking removes the normal amount of contaminates that build up in the water. Yet, a rain can suddenly add abnormal amounts of contaminates, which require an additional, immediate treatment. Whenever a pool is exposed to such rains and winds, you should practice the following:

1. Check the pH level. If the pH is low, delay adjusting the pH until after you’ve given the pool a chlorine shock, since most chlorine shocks slightly increase the pH. If the pH is high, lower it to 7.2-7.4 fast!

2. Check the chlorine level. If the chlorine level is below 1.5 ppm, give the pool a boosting shock of 1 lb per 10,000 gal.

3. Whenever you see cloudiness or visible signs of algae, immediately give the pool a double shock of 2 lb per every 10,000 gal of water. You want to stop the growth and restore clarity before it worsens.

 

Hot Weather

Hot weather results in warmer water temperatures. Warm water, specifically any over 84 degrees, causes the following:

• Increased chance of algae growth

• Increased consumption of chlorine

As temperatures rise, it’s important to increase your rate of chlorine feed to maintain the proper chlorine level

Joe & Wendy Hale

Blu Water Pool Service, Inc.

 321-242-8231 / www.bluwaternow.com

BluWaterPools@earthlink.net

 

Promote Business from Your Home

feature post by Karin Morel

Tenants and Owners working from home, I am excited to share the facts about “promotional specialty advertising.” Look at your desk be sure to look inside your desk drawers……go ahead …If I was a betting girl; I’d say you have numerous custom promotional products at your finger tips.

Here’s what I collected from my desk:

A pen, mouse Pad, ruler, coaster, sticky notes, computer cleaner….. just ti name a few.

It’s simple: Promotional Specialty Advertising protects and promotes your brand as well as your identity. The best part promotional items can bring you more customers. One of the key advantages of using promotional products, is the frequency of exposure.

Imagine….your “identity or brand” featured on a product that is used on a daily basis.

Here are a few items to consider:

Dry Erase Memo Board: This item is offered in a full color imprint. With both sides imprinted; you can communicate a HUGE amount of information. We included our “menu items” (show board) from our “Appetizers”, “Entrees” and “Desserts and Extra’s”.

USB Drives: What better way to show properties and have your contact information ALL uploaded nicely for your clients viewing pleasure.

Jar Opener: Sure….this might look like an ordinary “jar opener”….. “not so”….it’s also a lint brush, cell phone holder…..works great on your dash board…..and it also works as a great “sink stopper”.

Keychain: How impressed will your client be when your present him or her with a “gift boxed” silver key chain with you logo engraved; they will think fondly of you daily and who knows; that could lead to a great referral for you!

For more information about pronoting your business from home contact Karin Morel with from All Promotions, Inc. …..your home for Mugs, Magnets and More!”

321-409-5310  / http://AllPromo.com  / Karin@allpromo.com

Moving? Watch your back!

Feature post by Dr. Paul Grim, D.C

Is moving STRESSFUL? Of course! Not only is moving emotionally stressful, but it is also physically demanding too. From packing up boxes of memorable items to moving precious furniture, your move will impact the structure of your body. Young or old, there are positive stratagies to reduce potential injuries.
First, make sure your boxes weigh less than 50 lbs. The box should be easy to lift with out strain especially in your lower back. To prevent spinal injuries, work on a countertop that is at waist height instead of placing boxes on the floor when possible. Avoid bending and twisting of your spine since those movements increase the probability of slipping a disc.
Second, use a dolly to move heavy apliances or multiple heavy boxes. Make sure that you use a strap to secure items. The dolly will save you from carrying boxes too far.
Third, always lift properly! Bend your knees and not your back. Your leg muscles may be sore the next day, but it is better than a herniated disc. Bring the item as close as possible to your pelvis. Keep your back straight and look up to the ceiling.
Finally, if you have low back pain that lasts longer than 3 days, contact your local neighborhood Chiropractor. We can help!

Connect with Dr. Paul Grimm:
321-459-9400

MerrittIslandChiropractor.com

5 things to Know About Investor Financing for Real Estate

Feature post by Tim Horr, Thomas Louis Mortgage

As a mortgage broker I come across people who eager to invest in properties and take advantage of the current real estate values. With mortgage interest rates currently at a 40 year low and home prices so reasonable. It makes sense to invest in real estate because it really is a great time to buy Brevard County investment properties.  It’s a no brainer if you plan to pay cash, but if you want to leverage and obtain financing there are parameters to follow. Here are the top 5 things you need to know before you move forward on financing an investment property.

  1. You will need a relatively high credit score 680 at a minimum. Investor financing is the most credit scrutinized of any loan.
  2. The optimum purchase is with 25% down. You can get in with just 20% down but  I highly recommend  25% down. Once you see the numbers you will agree.
  3. You will have to qualify with your current monthly debt and the new mortgage. The new mortgage debt will include principle, interest, taxes, insurance and any homeowners association fees.
  4. Avoid trying to secure financing for condominiums in Florida. Hopefully this trend will end in a few years. But currently condo’s are real hard to secure financing.
  5. Use a local mortgage professional like myself to help you with your financing. And most importantly , once you own the investment property I highly recommend you hire Karen Gunn Bardot and her team to manage your investment property.

I have been a licensed Mortgage Originator since 1997 and have helped many investors who were new to investing and those who are pros. I can say confidently, now is the time  to invest in real estate, the real estate opportunities are ideal to  expand and diversify your portfolio. . . and Brevard County is excellent choice.

Tim Horr  | Thomas Louis Mortgage | 321-698-0417 | tim.horr@gmail.com | TimHorr.com

Why Vinyl Plank is the Best Choice for a Rental

feature post by Kevin Hotaling, Finest Floors of Brevard

When choosing a floor covering for an investment property, there are many factors to consider.  Typically the first concern is cost, followed by durability and then looks.  Usually, the least expensive option is carpet.  However, carpet generally does not stand up well to the rigors of a rental situation.  This means that the landlord usually has to replace the floor covering after every tenant.  This also means that the tenant may have to be more careful for fear of not getting their security deposit back.  This is where vinyl plank comes in.  Here are some of the features of vinyl plank:

1. PVC Construction

2.Durable Vinyl wear layer

3. Glue down installation

Benefits of vinyl plank include

1. Very water resistant

2. Has 10 yr-20 year warranty

3. Damaged plank easily replaced (floor will last longer)

4. Some have “nano silver technology” prohibits mold/mildew growth

5. Ease of maintenance

6. Peace of mind for owner and tenant

Choosing a vinyl plank as your next floor covering would be a wise decision. There would most certainly be a higher up front cost in choosing a vinyl plank (versus a carpet), but the benefits and durability of the plank would negate that cost.  The cost of floor covering for that unit over time would be reduced as the need to replace the existing floor covering would also be greatly reduced.  Overall, vinyl plank is a great choice for homes as well as rentals because of its durability, ease of maintenance and ease of repair.
Video has contact information for Finest Floors of Brevard.