#find hard money lenders in Baltimore

[webuyhousesbaltimore]

7 Steps to Buying a House in Baltimore, Maryland

If you want to know how We Buy Houses Baltimore, Maryland, you've come to the right place!

When you begin thinking about buying a home, it’s not hard to let your emotions get the best of you. In a matter of seconds, you’re stalking homes on your home-browsing app, changing your route to work to do drive-bys on those houses you like, and even looking up some interesting mortgage options that are going to get you into that home with little to nothing down.

It can be incredibly easy to get yourself into a home that you can't really afford, and that is the number one cause of people not being able to build that long term wealth. This is why knowing the steps of the home-buying process can help you make some smart decisions when buying your next home.

Let’s be honest. Buying a home can be a confusing and frustrating process. Do you ever ask yourself, “What do I need to do to buy a home in Baltimore, Maryland?” or “Who will give me a home loan in Baltimore, Maryland?” Great News! You've found the answer with Moreira Team! We are mortgage brokers in Baltimore, Maryland.

That is why we have made it our purpose, for more than a decade, to provide our clients with the best mortgage experience possible. We have the home-buying know-how to make the home buying process a “done-for-you” experience. Getting a mortgage with us is actually a lot easier than you might think, and we have programs available for every situation. We shop your loan with over 22 different lenders and banks to make sure we deliver on our promise to get you the best deal. That means you save money, get a lower rate, and spend less money out of pocket. Our guarantee is to provide you with a transparent and easy home buying experience, and our promise is to find you the best deal.

Here are 7 easy steps to get you started on your home purchase:

Step 1 Get Your Finances In Order Buying your first home, or your next home is a HUGE deal! You absolutely have to know how much you can afford and how much you may need to save to get into your next house. Step 2 Get Preapproved for Your Mortgage In a quick conversation with you about your income, credit and down payment, a mortgage advisor will be able to pre-qualify you for your mortgage right on the spot. Call 800-599-1563 to talk to a licensed mortgage advisor to get a custom strategy on how to make your home purchase a reality. Get Your Quick QuoteGet Pre-Approved Step 3 Find the Right Real Estate Agent Starting your home buying journey online is a great place to start. But having a local expert in the feild is a must. We can help connect you with a local, Baltimore, Maryland Real Estate Agent who can help you find your next home. Step 4 Go House Hunting Your finances are solid, you've been preapproved and you have an expert on your side. It's time to go house hunting! Try making some lists, doing some research and asking questions. Step 5 Submit an Offer Once you’ve found the right home, it’s time to get serious! That means submitting an offer and signing a contract agreement with the sellers. Step 6 Get a Home Inspection and Appraisal If you've made it this far, you are officially unde contract! But now that you're under contract there is still some things to take care of, like a home inspection, appraisal and final mortgage approval. Step 7 Close on Your House This is it! All your hard work is done and now you have to sign the papers, take care of any payments and the keys are yours!

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Owning commercial property can really boost your profile in multiple ways, but always be very cautious when attempting to either buy or sell any type of commercial real estate. It can come back to bite you in a bad way. You may want to pay attention to this article full of commercial real estate tips.

On the real estate market both buyers and sellers are well advised to remain open until a potential deal is well and truly sealed. It is tempting to commit to a particular offer or home when the sale process is just starting. There is a great distance between an interest expressed and money changing hands; homeowners who commit themselves to a deal too early risk getting taken advantage of.

When you begin to advertise your real estate through a website, you must understand that you have a very short amount of time to catch your visitors attention. If your content is not focused, you will instantly lose thousands of potential buyers. Make sure your site is focused if you want to get customers.

Buying a commercial property is a process that takes much longer than purchasing a single family home. It is going to take more time to prepare the property so keep that in mind. Do not try to rush and do things too fast because you may end up making bad decisions as a result.

One tip to being a good landlord is to make sure you check the references of anyone you would like as a tenant. Sometimes people can put on a good show and seem like they would be good tenants when in reality they would create a lot of problems for you. Better to be safe than sorry.

Make sure all details are finalized. After you have signed a real estate contract, be sure to stay in touch with your lender and real estate agent. A good realtor will go through everything that you need to have in place before settlement. Make sure that you have proper insurance and have figured out whether your real estate tax will be included in the mortgage payment, or you if you need to pay it separately.

The most successful commercial real estate investors are the ones who can find a good deal and know when to walk away from it. Develop an exit strategy and know how to calculate your minimum acceptable levels for payoff, returns, and projected cash flows. No matter how appealing the property may seem, do not hesitate to drop it if it will not perform to your expectations.

It has been a long hard road, but you are now the proud owner of a commercial property. By now, you certainly have decided what or who will be using the piece of real estate. Go ahead, celebrate. Celebrate the fact that you have accomplished a major goal.

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[blogmargaretsummers]

How Much Is Too Much for a Cannabis Business Loans?

If opening a business were as easy as coming up with a great idea, more people would do it. The truth is, starting any type of business will require hard work and dedication – when you add to that starting a business in a new and emerging market, you may find yourself with even more questions about how to get started. 

As with most businesses, one of the most important factors to consider before you get started is where you will get your capital. Specifically when it comes to starting a cannabis business, obtaining financing won’t be as simple as walking into your neighborhood bank and applying for a business loan. Luckily, a reputable commercial lender is a great option for obtaining cannabis business loans in Oregon. 

Factors to Consider When Applying for Cannabis Business Loans in Oregon

When applying for cannabis business loans in Oregon, it’s important to consider the capital that will be required for different factors of the business. The amount of money you’ll need for your cannabis business loan will depend on your circumstances, but you’ll want to budget for things like:

Licensing fees: Oregon has several types of licenses, which we’ll discuss in more detail below, ranging in prices from $1,000 to over $5,000

Registering your business with the Oregon Division of Corporations

Legal fees (it’s very helpful to have an attorney guide you through the varying state and local regulations applicable to operating a cannabis business in Oregon)

Real estate 

Product and marketing 

Obtaining a Cannabis Business License in Oregon

Oregon has several categories of business licenses to offer in the cannabis industry, ranging from producer/grower, wholesaler, retailer, and laboratory services, in addition to processing or researching. Oregon also offers a separate business license for hemp. Your cannabis business may hold multiple license types, depending on your focus. To acquire a cannabis business license in Oregon, you must be over 21 years of age, and have secured a building for your business, appropriate security for that building, and meet other required measures. Although you can apply for your license before these measures are in place, your application will not be approved until these requirements are finalized. 

Why Commercial Lenders are Necessary for Cannabis Business Loans in Oregon

While many states have legalized the sale and use of both recreational and medical marijuana, cannabis is still considered illegal on the federal level. Therefore, banks, which are regulated and backed by the FDIC, cannot provide capital to the operator of a cannabis business. To do so would be considered money laundering. 

Since obtaining a loan from a bank isn’t an option, it’s important to find a reputable commercial lender that is experienced in cannabis business loans in Oregon. 

When researching cannabis business loans in Oregon, beware of the many predatory lenders that take advantage of cannabis business owners’ need for start-up capital. These unscrupulous businesses have been known to charge interest rates of up to 50 percent on their loans. A reputable lender will require lots of documentation from you to make sure that loaning you money doesn’t present a risk for them. You’ll likely be asked for balance sheets, income statements, and bank statements, along with your credit risk profile and your capital needs.

The Bottom Line: How Much Do You Need to Borrow?

Depending on the type and scale of cannabis business you’re looking to open, startup fees can range from $150,000 to $2 million. Your cost will depend partially on your location, and partially on the type of operation you run. Staffing can make up a huge portion of the startup fees, so if you have a small operation, this cost will be lower. Similarly, rent is another big chunk of capital which can fluctuate depending on your location and circumstances. It’s important to flesh out your business plan, and then find a reputable lender who will help you obtain your cannabis business loan in Oregon. 

The post How Much Is Too Much for a Cannabis Business Loans? appeared first on Baltimore News Journal.

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[straussextract]

Who voted? Joe, rehab financing is available here from hard money lenders. Buy and hold money is what is hard to find. Hard money lenders will not lend on buy and hold because they no there is no one to refinance you out after 6 months to a year.

Baltimore buy and hold market.

[theokbrowne]

Want to generate leads? Crack the whip on those real estate blog posts

To date, we have yet to find anything in an online list of “great” real estate blog posts that isn’t overused, self-serving or boring.

Do these list-makers honestly think that a real estate consumer is going to read the millionth “Why you need a real estate agent” article they’ve seen online?

So, why bother writing something that won’t get read? Especially when there are other things you can and should be doing?

For a real estate website that makes blogging easy, be sure to consider LeadSites.

It’s not enough to write “readable” real estate blog posts and it’s not enough to write something local or something meant to educate potential clients

If your goal is to generate leads that help you make money in real estate, get busy creating successful real estate blog posts, not ones that under-perform.

Get clear on WHY you blog

Why do you have a real estate website? Is it because most other agents have one? Is it to offer IDX to home hunters? To showcase your services and expertise? Or, is it a lead-generation tool? Typically, the answer is “all of the above.”

No matter why you choose to blog, you need a professional one. LeadSites makes it easy – learn more

The most valuable service your real estate website can perform, however, is lead generation

So, the next question becomes, “how does a real estate website generate leads?” I mean, it’s not like it can pick up the phone and crank out cold calls or beat the pavement in a neighborhood to knock on doors.

In reality, a website without a magnet just sits on the internet, waiting for visitors. If you don’t show up in organic search results, your site is most likely sitting way back on those Google pages where dead bodies are hidden.

Thankfully, there are a number of ways to turn a languishing real estate website into a powerful, kick-hiney lead generator, and one of the best is with brilliant blog posts, from title to conclusion.

Real estate blog posts need good titles

The title of your real estate blog posts can make or break reader engagement. If it’s less-than compelling, few will choose to read what follows. Just like with your website, you need to give people a reason to stay on your blog.

Think of the title as the post’s curb appeal – your aim should be to create such an intriguing title that visitors will have no choice but to get out of the car. . .or,  read on

The title is also a handy place to use your (hopefully longtail) keyword. And, use it “within the first 60 characters of your title, which is just about where Google cuts titles off on search engine results pages (SERPs),” claims Lindsay Kolowich at Hubspot.

Crafting compelling headlines is an art, but you can get an idea of how to do it by looking at magazine cover lines – those are the compelling descriptions of various articles found inside the mag. For instance, back in 2011, a Rolling Stone magazine cover offered up

��The Most Hated Girl on the Internet”

Think that one sold some magazines? By the way, you can find out who she is at RollingStone.com.

The sole purpose of a magazine’s cover lines (also known as “puffs”) is to tell readers what they’ll find inside the magazine. They are often “controversial and sensational and they make you want to read more into the magazine,” according to Chantelle Brown Media.

While it’s a bit busy, imagine the Baltimore resident seeing this one at the news stand. The sheer amount of very cool local information the cover promises is irresistible. An idea factory for your hyper-local blog posts.

Not being a guy, but knowing plenty of them, this cover offers all kinds of reasons to buy it. Sex? Yup. Fat-burning and muscle building? Oh yeah. It’s the Cosmo of the men’s world. And, for the record, and even though I’m a girl, I’d buy it just because that gorgeous guy is giving me “that look.”

But, I digress.

This is exactly what you need to keep in mind when crafting the title of each of your real estate blog posts. Let’s see what we can do with these cover lines:

“50 Secrets Your Dentist Won’t Tell You” (Reader’s Digest, July 2009) can be transformed into “5 Secrets your Lender Won’t Tell You.” Or, home inspector, appraiser, real estate agent.

Yes, there are secrets agents won’t tell. . . like a neighborhood’s crime rates, the location of the nearest Catholic church or ethnic makeup. Tell them why it’s such a secret — let them go behind the Realtor curtain. You know, Fair Housing regs, etc. Get ideas for this post from one we wrote for our Easy Agent Pro real estate website clients.

Do lenders tell borrowers not to buy anything on credit before closing? Not usually. Do they tell homebuyers, directly, how to save money on closing costs? Not the last time we checked. These are “secrets” lenders don’t tell.

Of course, you’ll need to work in your longtail keyword so a better title might be: “Buying a home in Anywhereville? 5 secrets your lender won’t tell you.”

And, this doesn’t mean you can’t use those lame topic suggestions you’ll find online. Just don’t use their titles. While “Why you need to work with a real estate agent” may cause readers to roll their eyes, yawn and hit the “back” button, “The ONLY way to get the most money for your home” or “The ultimate trick to quickly selling your home for top dollar,” might just intrigue a potential home seller.

Take those online real estate blog topic suggestions and dissect them. Find the gem hidden in the poop and use THAT to craft your title.

The lede

The most challenging aspect of blog post construction, after coming up with a title, is the lede, or “lead.” You’ve lured them in with the headline, now you need to keep them engaged and intrigued enough to read on. You’ll do that in the all-important first paragraph.

I write for a living so I sympathize with you that coming up with a cool lead is seemingly impossible. Sometimes I nail it, but more often I don’t. But I keep trying, and so should you.

There is a conundrum in online writing, however.

If you use a WP theme with Yoast, it will prompt you to add your keyword in the first paragraph. “One of Yoast SEO’s main optimization factors is whether your keyword appears in your introductory paragraph—because it’s that essential when it comes to ranking and clarity for your readers, according to the pros at dominatewithseo.com.

I’m not convinced about the “ranking” factor, and I categorically disagree with their “clarity for readers” statement.

The problem is that non-writers can’t seem to figure out how to incorporate that keyword without ruining engagement. That’s not a diss. I mean, non-real estate agents can’t figure out a whole host of things.

The truth is, despite not being a professional writer, you  can write the best lead in the world, but if it begins with a clumsy and obvious keyword insertion, you’ve lost your reader

I know my boss here at Easy Agent Pro is going to kill me for suggesting this, but your priority is to get the reader engaged, at least until your call to action. If you can’t work your keyword into the lead naturally while maintaining the compelling nature of the lead, screw it. Leave it out. Just ensure you use it elsewhere. A couple of times. Naturally. OK, I’ll shut up.

Be kind, share

Socially-shared real estate blog posts are akin to directional signs and balloons for an open house. They’re meant to guide readers to your site.

You can use muddy, ratty signs hung with half-inflated, muted-colored balloons or you can use neon-lights and highly-reflective mylar. Up to you.

Don’t kid yourself, though. The only successful real estate blog posts are shared real estate blog posts. Getting your social media friends to re-share it is successful blogging on steroids.

Yet, we see it all the time. Agents take the time to blog or spend the money to hire a blogger and there the posts sit.

Make them work – hard. Blogging about a local business? Share it on Facebook then email it to the business owner asking for a Facebook share. If the blog post shows the business in a positive light, why wouldn’t they be happy to share it with their followers? Now you’ve introduced your real estate practice to a whole new audience.

The “slow season” will soon be upon us. If your business slows down, consider taking up blogging. Done right, it’s a powerful lead-generation tool.

Ready to start producing professional-level blog posts quickly and easily? Learn more about LeadSites.

Dive more leads and listings with these 16 website hacks you can’t afford to miss!

Need help blogging? Check out these tips for creating blogs that get leads:

The post Want to generate leads? Crack the whip on those real estate blog posts appeared first on Easy Agent Pro.

from theokbrowne digest https://www.easyagentpro.com/blog/real-estate-blog-posts-2/

[investmart007]

Maryland News: Baltimore And Texas Men Indicted For Alleged $364 Million Ponzi Scheme—One Of The Largest Ever Charged In Maryland

New Post has been published on https://www.stl.news/maryland-news-baltimore-and-texas-men-indicted-for-alleged-364-million-ponzi-scheme-one-of-the-largest-ever-charged-in-maryland/172408/

Maryland News: Baltimore And Texas Men Indicted For Alleged $364 Million Ponzi Scheme—One Of The Largest Ever Charged In Maryland

Scheme Believed to Have Over 400 Victims Nationwide, Including Individual, Family Offices, and Investment Groups – FBI Seeking Information Regarding Additional Victims; SEC has Filed Related Civil Complaint

Baltimore, Maryland – A federal grand jury has indicted three men on charges of conspiracy, wire fraud, identity theft, and money laundering, arising from an alleged $364 million investment fraud scheme. The indictment was returned under seal on September 11, 2018, and unsealed on September 18, 2018, upon the arrests of the defendants. Charged in the indictment are:

Kevin B. Merrill, age 53, of Towson, Maryland;

Jay B. Ledford, age 54, of Westlake, Texas and Las Vegas, Nevada; and

Cameron R. Jezierski, age 28, of Fort Worth, Texas.

The indictment was announced by United States Attorney for the District of Maryland Robert K. Hur and Special Agent in Charge Gordon B. Johnson of the Federal Bureau of Investigation, Baltimore Field Office. A related enforcement action and complaint was announced by the U.S. Securities and Exchange Commission Co-Director of Enforcement Stephanie Avakian.

“Federal prosecutors, FBI agents, and our SEC partners together interrupted an ongoing fraud scheme, with the potential to victimize even more people. According to the indictment, the defendants lured investors through an elaborate web of lies, duping them into paying millions of dollars into this Ponzi scheme,” said U.S. Attorney Robert K. Hur. “Most of these investors are just learning that they have been victimized. The effects of this kind of fraud can be devastating.

“The FBI takes our responsibility to investigate and pursue those who commit fraud for personal gain very seriously,” said Special Agent in Charge Gordon B. Johnson of the FBI’s Baltimore Division. “We will continue working with our law enforcement partners to hold accountable those who use illegal means and criminal behavior to take advantage of others.

We are committed to protecting investors from the illegal and deceptive practices Mr. Merrill and Ledford used to defraud investors out of their hard earned money and savings.”

According to the fourteen-count indictment, beginning in January 2013, the defendants perpetrated a Ponzi scheme to defraud investors of more than $364 million. The scheme was revealed with the arrests and unsealing of the indictment. Specifically, the indictment alleges that Merrill and Ledford invited investors to join them in purchasing consumer debt portfolios. “Consumer debt portfolios” are defaulted consumer debts to banks/credit card issuers, student loan lenders, and car/truck financers which are sold in batches called “portfolios” to third parties which attempt to collect on the debts.

The defendants falsely represented to investors that they would use the investors’ money to buy consumer debt portfolios and make money for them by (1) collecting the payments that people made on their debts or (2) selling the portfolios for a profit to third party debt buyers–in a practice called “flipping.” According to the related complaint filed by the SEC, the victim investors included small business owners, restauranteurs, construction contractors, retirees, doctors, lawyers, accountants, bankers, talent agents, professional athletes, and financial advisors, located in Maryland, Washington, D.C., Northern Virginia, Las Vegas, Texas, and elsewhere.

The indictment alleges that in order to induce investors to participate, the defendants falsely represented who they were buying the debt portfolios from and how much they were paying for the portfolios; whether they were investing their own funds, and their track record of success. At times, according to the indictment, there was no underlying debt portfolio purchased with the investors’ money.

To conceal the truth, the defendants created imposter companies with names similar to actual consumer debt sellers or brokers and opened bank accounts in the names of those imposter companies. In addition, to lend credibility to the transactions, the defendants created false portfolio overviews, sales agreements which used the names and forged signatures of actual employees of the sellers, created false collections reports, and falsified bank wire transfer records and bank statements.

Further, the indictment alleges that the defendants falsely represented that the monies they paid to investors were “proceeds” from collections and/or flipping debt portfolios, when in fact, the proceeds were paid from funds provided by other investors. The indictment alleges that Merrill, Ledford, and Jezierski personally enriched themselves and concealed their diversion of $73 million of investors’ funds to purchase and renovate high end homes in Maryland, Texas, Nevada, and Florida, purchase luxury automobiles, jewelry, boats, and a share in a jet plane, gamble $25 million at casinos, and support a lavish lifestyle.

The indictment seeks to forfeit nine properties, 26 luxury cars, one boat, interest in an aircraft, a life insurance policy, seven and nine carat diamond rings, and a 23 carat diamond bracelet, which were allegedly purchased with proceeds of the scheme to defraud.

If convicted, Merrill, Ledford, and Jezierski each face a maximum of 20 years in prison for the wire fraud conspiracy and for each of five counts of wire fraud. Merrill and Ledford each also face 20 years in prison for an additional two counts of wire fraud, as well as 20 years in prison for a money laundering conspiracy, and for each of four counts of money laundering.

Finally, Merrill and Ledford face a mandatory two years in prison, consecutive to any other sentence, for identity theft. The defendants also face possible fines of $250,000, or twice the gross gain, for the wire fraud conspiracy and for each count of wire fraud and money laundering. Merrill and Ledford face an additional fine of $500,000, or twice the value of the property, for the money laundering conspiracy.

The SEC has filed a parallel civil complaint in this matter.

If you believe you may have been a victim, or have information concerning these charges and complete a brief questionnaire. Your responses are voluntary. You may be contacted by the FBI

An indictment is not a finding of guilt. An individual charged by indictment is presumed innocent unless and until proven guilty at some later criminal proceedings.

Merrill and Ledford each had an initial appearance in U.S. District Court in Baltimore and Las Vegas, respectively, on September 18, 2018, and were ordered to be detained. Jezierski also had his initial appearance in Las Vegas and was released under the supervision of U.S. Pretrial Services.

Merrill is scheduled to have a detention hearing on Thursday, September 20th at 3:30 p.m. Jezierski is expected to have his initial appearance in Maryland on September 24, 2018, and Ledford is expected to be brought to Maryland for a court appearance at a later date.

United States Attorney Robert K. Hur commended the FBI in Baltimore, Dallas, Las Vegas and Tampa, and the Federal Housing Finance Agency, Office of the Inspector General for their work in this investigation. Mr. Hur thanked Assistant U.S. Attorneys Joyce K. McDonald and Martin J. Clarke, who are prosecuting the criminal case.

—–

SOURCE: news provided by JUSTICE.GOV on Wednesday, September 19, 2018.

[childtrial84-blog]

Sell Your House For Money to True Estate Buyers

sell my house as is baltimore Confident, you can sell your property for income, but how easily can it be completed? If you market your residence for cash by yourself, or by means of a true estate agent, it may possibly just take a although. Extremely handful of possible homebuyers have the implies to buy a home with income outright. You might either need to have to drastically reduce the price tag, or investigate other alternate options to offer your house for cash. Your property marketing possibilities There are a couple of diverse methods to sell a house for cash. It's crucial that you realize the professionals and downsides of each selling option prior to making your choice. The 1st factor you need to have to do is take into account the explanation why you want to promote your home for funds. Do you want to relocate speedily and need income rapidly to aid with the go? Are you facing financial problems and just require to get out of your present mortgage loan as rapidly as possible? These types of concern will aid you establish the ideal option when you want to sell your home for funds. Genuine estate buyers are generally prepared to shift swiftly to finalize the sale of your home. Nonetheless, if you make a decision to offer your house for money on your own, it could sit unsold for months ahead of a consumer in a position to shell out cash arrive together. Factors to sell your residence for funds It truly is a excellent notion to get your time to locate the proper actual estate expense organization since no two are specifically alike. You can search online or phone buyers locally. They should not be way too hard to find. A lot of times these firms promote on billboards, and business indicators through neighborhoods. In order to make confident you are working with a reputable firm, ask for references. Make sure that you meticulously study all of the paperwork involved with the sale, and that you fully realize all of the expenses to sell your house for cash. Traders can minimize your tension If you are facing a deadline with your mortgage loan provider and need to have to sell your house quick, the stress can grow to be overwhelming. Professionals recommend retaining the lines of communication pen with your lender to delay foreclosure. They make clear that loan providers actually never want to have to consider your house because they will actually conclude up shedding funds on the sale when it goes to auction. If you can demonstrate to the mortgage loan company that you have an additional customer lined up all set to buy your residence, they may possibly give you far more time to let for the sale. When you offer your house for money to a true estate trader, they will generally be satisfied to get over speaking with your loan company to make positive nothing interferes with the sale. Selecting expense organizations Investment decision firms now offer several home owners one more choice for selling their property. You can even now pick to offer your residence on the actual estate market place, but if you require to market your home for cash quickly, a actual estate trader is the best option. Currently being in a position to market your house for cash can fix your economic woes and supply instant relief.

[luellacromwell-blog]

Cheap Car Rental - 7 Tricks To Obtain The Cheapest Vehicle Employ

The keys areas in car rental are good customer services, versatility, fantastic vehicle choice, and excellent phrases and conditions. Lease a vehicle that tends to make your journey easy not a nightmare. The very best way of discovering a car hire company these days is by searching on-line. When you do a lookup using the search engines you will find numerous businesses to select from. The very best way of searching is to search using the metropolis title. I am from Birmingham so I type both. car hire in Birmingham or Birmingham car employ. I would advise that you make a few calls so that you can use various estimates to negotiate better offers. Sydney has very stunning and scenic environment. Community transport is there, but to journey and see the beauty of the metropolis in community transport is not justified. To travel and explore the numerous tourist attractions in a employed car rental in Bandung retains an significance in itself. We can take the vehicle to whichever place we want to and can stay there for as long as we want. In closing individuals have a lovely time street tripping for holidays as a family for all sorts of factors one becoming it brings the family near with each other. They get to wind down and have chats or coronary heart to hearts that are hard to do at times as we reside active stressful life and this region suffers. Really we reside in a beautiful and unique world god created and you just have to marvel at the everything about it. Be sure you have traveller's insurance coverage. The company specialising in car rental in Perth might offer you the essential automobile insurance coverage, but you could also get oneself numerous other form of insurance coverage in case you get into an accident. You can find many firms supplying journey insurance coverage, and it truly is perfect to acquire oneself even a simple strategy. The very best way to discover a inexpensive car rental is the comparison of various limousine agencies. This will can be time consuming but fortunately you can discover a less expensive car rental. You can also discover a inexpensive limo online. You may plan your vacation with sedan services Baltimore md for the weekend, you can frequently conserve money. Usually you can discover unique deals on weekend sedan service baltimore md rental companies. An additional way to discover inexpensive limo is to lease long term. It is often possible to lease a car for a week for the exact same price of 4 or five times. Do you want a larger car rental in Bandung design? Then ask for. The rental sedan agencies are prepared to buy your loyalty, so they offer extra services, so if you order an upgrade, you will generally, if feasible. A forth source of utilized vehicles is through repossessions. Lenders experienced a lot stricter loan requirements throughout the recession. As a outcome, fewer dangerous car rental in Bandung financial loans were produced. When you cherished this informative article and you desire to be given details with regards to sewa mobil bandung i implore you to pay a visit to the webpage. For that reason, the number of repossessed cars is down significantly. Know what your own insurance coverage covers. Frequently, your own automobile insurance will include you driving a rental automobile, so why spend once more? Research your personal car insurance coverage with care before you travel and consider a copy of its terms and conditions with you. Enterprise Lease a Car: 8734 Bellanca Avenue, Los Angeles, California 310-649-5400. They have a lot of vehicles in great variety from economic climate, to classy and luxury. You just need to dial their telephone number or go online to guide your reservations. Look for the real costs- Nearly all the reputed and the least expensive car rentals do NOT come with any concealed costs. It is consequently essential for you to make sure that the gasoline expenses, interstate taxes, drop off charges, airport surcharges as nicely as insurance cuts ought to be well Included in the marketed prices by itself. Also the costs on provide should be nicely relevant in the off period as well. The booking expenses should be transparent to begin with so that there are no discrepancies later on on. The most common additional charge is fuel. There was a time when the car hire business used to lease the cars with a complete tank of gas and the client experienced to return the car in the exact same conditions. Nicely the new rip-off now days is to cost you for a full tank of gasoline and you can return it as empty as possible (this at initial doesn't audio too poor). 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Preparing to Find A Payday Loan

Residents of Baltimore possess completed 18 years and they're drawing minimum salary of $1000 monthly can avail loans through us. And having a checking account with a bank. California auto title loans are for you to apply of. You can walk into the lender's office directly or apply at a loan cyberspace. When you apply for a loan, the only documentation just a few ingredients to submit is a copy of your vehicle title and vehicle insurance papers, as well as to proof ID. Financial institution checks your details, and when satisfied, approves the loan at once. Overnight loans are actually very small cash advances which are approved on a single day's applying upon their. This is why they are named so. The process of such loans can be extremely speedy. Lenders do not waste that whenever in granting you . A borrower has in order to fill in a request form available through the website among the lender just about all the his or najlepsze pożyczki online her details asked when. It hardly takes when to obtain the complete form filled. When the form is filled, its sent even more verification. If everything will be as per the legal framework then the money will be accepted instantly. Here when you're thinking, imagin if I cannot pay back the loan after fortnight or twenty eight days? Again that is not hard. You can simply request the lending company to rollover the total number. Obviously you would be paying a fee for that and ought to be also be repaying more interest rate. So you can understand that it is not wise to continuously extend your payday loan. Those which in the habit of continuously extending their ten dollar payday loan often second category debt. The advantage with cheaper in interest is that inspite of having the credit hassles; this program obtain credit are lower in les than each day. Moreover, the lenders approve the loans without any credit read. These are basically short term loans and may also be accessed without pledging any value. With these loans, you can just take good needs like paying medical bills, store and grocery bills, electricity bills, visa or master card dues, car maintenance or house repair etc. What Generally if i Can't Be qualified for A Bank Car Loan? If you're not "bankable" just yet, don't sweat it.there are still lenders out there is give basically loan, nevertheless the rate isn't going to be as pretty. I'd first ask the loan officer in the bank whether they have anyone they'd recommend to refer you so that you can. You can also do a look up the net for "bad credit auto loans" and you'll get a slew of links to mouse click. Some of these sites will search multiple lenders for you and could save you some available free time. If you like a more personal approach, you can look within your local classifieds for "finance companies", like Household Finance or American General. Word of caution here though, finance companies usually carry much higher rates, so be sure to shop throughout. Many times some immediate financial problems need for you to become solved to be able to overcome the problems. Obviously need to be able to solved out when they arise. If no step is taken against them then their size can increase to such extent that can harm our probable. That's why buy to to dispose of these troubles you will to have fast loans as we speak. With the aid of these loans you will usually receive some ready money of the same day's application. Mortgage loan amount provided for you is small furthermore changes as mentioned in your repaying capability. Might want to also a good access to your favorites by having these lending. These loans don't have any type of tough paperwork or any slow downs. In simple way these finest for any needy young man. Have an intensive look- Due to this you can watch where your credit score may have dipped. Build a list of everything you think the incorrect. For instance, a phone company many have listed an overdue payment nevertheless, you never recall being late with which. Be thorough and go through everything at length.

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Methods For Applying For Ad Advertisement Loan

A tough drive is a crucial computer purchase, potentially the most important component you select for the computer. In fact, you'll be saving, well, almost everything on the hard drive. This makes plenty of computer users ponder how to accurately gauge the pace and dependability of hard drives, and what amounts to look at when buying.

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NTFS structure is the short name of recent Technology File-system. It is a common file system associated with Microsoft Windows NT, and it applies to Windows 2000/XP/2003. The main difference between BODY FAT format and NTFS file format is that NEW TECHNOLOGY FILE SYSTEM can support metadata and that NTFS format are able to use advanced data structures to supply better performance, stability, and drive utilization. You can find three variations of NTFS: version 1 ) 2 within NT a few. 51 plus NT some, version 3. 0 inside Windows 2k and version 3. one in Or windows 7. In compatibility, Windows 95/98/98SE and ME PERSONALLY version cannot recognize NEW TECHNOLOGY FILE SYSTEM file system. NEW TECHNOLOGY FILE SYSTEM also facilitates file security management features to provide consumers with a level of00 security confidence.

Hello? Take a notice here. Become familiar with your contributor. emphasis on "your". It is essential to possess a system that alerts all of the key participants in your organization as to who is giving exactly what. While some main donors want to remain unknown or very low key, avoid assume that may be the case for everyone. Furthermore, you have to make it your job to know who your contributor are. Simply by that, We don't mean just by the amount they provided. For example: "Oh yeh, that's the one who offered $10, 000", as if they are just another amount on a panel. I mean: "Yes, that's Bob Smith. He is a doctor from Baltimore. He gave 10 dollars, 000 for the India job at our own Spring Fundraiser". So , whenever Bob methods you at your next functionality, or phone calls your office, your key staff know exactly that Bob will be.

By 'putting your hard earned money where your mouth is' I will guarantee an individual that you will be successful (whatever of which 'success' seems like to you) a daylights of a number faster than buying self-help books that you're going to never study or put into practice. Be accountable. to YOU!

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The Key Things To Consider When Looking Into Debt Consolidation

Are you currently seeking to learn more about consolidating debts? If you've wanted to check out the choices, this short article will help. Consolidating debts is definitely an excellent tactic to work with however, it's crucial that you thoroughly comprehend it. Not every companies are equal, so neither are their offers. Keep reading so that you can make better decisions. Consider the long run when selecting the consolidating debts business that'll be assisting you. Your present situation must be addressed, however, you also require a business which will work later on. Select a consolidating debts company that will help ease your current problems and enable you to avoid getting into exactly the same situation later on Choose a consolidating debts loan with low fixed rates. A variable rate may make you being unsure of just how much you are going to pay each month, which makes it hard to plan a financial budget. The loan should wind up enhancing your financial circumstances with positive loan terms along with a set rate. Your 401K might enable you to repay debt. Only accomplish this if you're sure you are able to place the money-back sooner or later. Otherwise, the cash is regarded as an earlier distribution of retirement funds, and you also have the hook for penalties and taxes. If you're unable to get money from places, you need to find out if a family member is prepared to help. Tell them when baltimore md bankruptcy lawyers you want to pay them back and ensure you are doing it. You may not wish to damage your relationship with someone who you really are near to. Usually do not borrow from the professional you understand nothing about. Loan sharks know you require them. Only use a real lender who charges reasonable interest. You can aquire a loan removed so that you can repay your present debts. Then you'll have the ability to consult with creditors so that you can find out if they're in a position to settle along with you. Creditors often accept a lump sum payment of 70 %. Doing this is not going to harm your credit rating and could actually help it. You now know whether consolidation fits your needs. You will find the knowledge it requires to eliminate debt. Don't get overwhelmed by debt! Seek information to find out if a business that handles consolidating debts would be the help you have to get back to normal.

[amielkentboteja-blog]

Patrick O Brian the Commodore

 I-SUMMARY             

           Jack Aubrey wins the Ringle a Baltimore Clipper from his friend Captain Dundas as the Surprise accompanies. When Maturin does reach home with Sarah and Emily, he finds his young daughter Brigid in the care of Clarissa Oakes. He searches for his wife to correct her misapprehensions about his judgment of her and about their daughter. Brigid is not talking yet though old enough to do so. When Maturin meets Sir Joseph at their club, he learns that the Duke of Habachtsthal the third conspirator in the Ledward-Wray conspiracy is aiming back at both of them. The Duke’s influence has delayed the pardons of both Clarissa and Padeen. Maturin needs to secure his fortune and his family. Maturin asks Aubrey for the Ringle to move his cash and then sends Clarissa, Padeen and Brigid to live at the Benedictine house in Avila, Spain for safety. Brigid takes to Padeen and is speaking in Irish and English aboard the Ringle. Both Blaine and Maturin hire Mr Pratt to gather information on the Duke and to find Diana.          

           Aubrey gets orders to command a squadron of ships being assembled, a position which earns him promotion to Commodore. The mission to disrupt the African slave trade illegal since 1807 by British law. The second secret mission of the squadron is to intercept a French squadron aimed at Ireland, hoping for better success than in 1796-97. Long time friend Tom Pullings is captain of the flagship HMS Bellona, where Aubrey stays and Maturin is surgeon. The Ringle meets the squadron at the Berlings off Peniche peninsula and the squadron makes its way to Freetown to begin the first mission. The crews practice hard at lowering down boats and other naval skills. Aubrey is in a bad mood felt throughout the ships until Maturin tells him that Pastor Hinksey is to be married and set up in India. Aubrey devises a scheme to surprise each slave port up to the Bight of Benin not touching Whydah as news of the squadron emptied the harbour. They take eighteen slaving ships as prizes, first taking the Nancy and using the empty ship for target practice to good effect in Freetown. The success is not without loss of men to disease and attack. Maturin survives about of yellow fever contracted while out a few days botanizing on Philip’s Island with Mr Square. As he recuperates, they stop at St Thomas island for medical.              

             Caesar arriving from America.Caesar fails to arrive so they proceed northeast to Ireland. Aubrey informs his captains of his plan of attack and the Bellona attacks the French pennant-ship with the Thame sand Stately attacking the other French two-decker ship. The four French troop carriers and one frigate which are penned in a cove are handled by HMS Royal Oakand Warwick who join the scene of battle having heard the gunfire. The other French frigate slips away. Bellonas taking water and Aubrey is glad for the help. Maturin speaks to the Irishmen who so badly want the guns aboard the foundered ship. He and Father Boyle persuade them this is not the moment as anyone found with the French guns by the British will be hanged. After tending the wounded, Maturin learns from his friend Roche that the flags are at half-staff on account of the death of a minor royal. Maturin, pleased at the news proceeds to the home of Colonel Villiers, a relative of Diana’s late husband with whom she is now living, where he and Diana are happily reunited.  

II-About the Author            

Born:Richard Patrick Russ 12 December 1914 Chalfont St. Peter, Buckinghamshire, England Died:2 January 2000 (aged 85) Dublin, Ireland                                         Resting place:Collioure, France                                             Occupation:Novelist and translator                                                              Notable works:Aubrey–Maturin series                                        Spouse:Elizabeth Jones (divorced)                                                                                       Mary Tolstoy O'Brian

III-Characters 

Jack Aubrey: Appointed Commodore in the Royal Navy.

Stephen Maturin: Surgeon of the Bellona 

Heneage Dundas: Captain of HMS Berenice

Preserved Killick: Aubrey's steward.

Barret Bonden: Coxwain for Aubrey.

Mr David Adams: Captain's clerk

Padeen Colman: Irish servant to Maturin.

Sarah and Emily Sweeting: Melanesian girls 

Duke of Habachtsthal: British official 

Awkward Davies: Able seaman.

Joe Plaice: Able seaman a.

Fellowes: Captain of HMS Thunderer.

Mr Philips: Admiralty officer a

Sophia Aubrey: Wife of Jack 

Fannie and Charlotte Aubrey: Twin daughters of Jack and Sophia.

George Aubrey: Young son of Jack and Sophia.

Mrs Williams: Mother of Sophia 

Mrs Selina Morris: Friend and companion to Mrs Williams

Mr Briggs: Servant to Mrs Morris 

Diana Villiers: Stephen's wife 

Clarissa Oakes: Young gentlewoman

Brigid Maturin: Young daughter of Stephen and Diana

Aunt Petronilla: Aunt to Maturin 

Mr Hinksey: Priest for the parish

Sir Joseph Blaine: Head of Intelligence 

Mr Pratt: Investigator 

Mr Brendan Lawrence: Lawyer for Aubrey

Mnason: Jack's butler at Woolcombe.

William Smith: First assistant surgeon on Bellona

Alexander Macaulay: Second assistant surgeon on Bellona

Mr Wetherby: Youngster on Bellona.

Mr William Reade: Midshipman

Mr Gray: First Lieutenant on the Bellona

Mr William Harding: Second Lieutenant on the Bellona

Mr Whewell: Acting third Lieutenant on the Bellona

John Paulton: Friend met in New South Wales

Mr Willoughby: Marine Lieutenant aboard HMS Stately

William Duff: Captain of HMS State

 John Square: Krooman who assists Maturin

Houmouzios: Greek money lender 

James Wood: Colonial Governor at Freetown

Mrs Wood:  sister of Edward

Esprit-Tranquille Maistral: Commodore of the French squadron 

Mr Frank Geary: Captain of HMS Warwick

Father Boyle: Ashore in Ireland 

Stanislas Roche: Local man in West Cork

Squadron leaders

Captain Tom Pullings: Bellona

Captain William Duff: Stately

Captain Thomas : Thames

Captain Francis Howard: Aurora

Captain Michael Fitton: Nimble

Captain Smith: Camilla

Dick Richardson : Laurel

 IV-Lesson Learn 

 ‘‘Life is a Series of Lessons Learned Only Through a Series of Mistakes’’ 

 V-Critique               

          I enjoy adventure type stories and Patrick O'Brian is very good at creating action.  His detail about the ships, the jobs of the sailors and life on board ship all go to making these books highly enjoyable.

[mega-amielboteja-universe-blog]

PATRICK O’BRIAN   The Commodore

 I-SUMMARY

             Jack Aubrey wins the Ringle a Baltimore Clipper from his friend Captain Dundas as the Surprise accompanies. Maturin first meets with Sir Joseph Blaine while Aubrey heads home to his family. When Maturin does reach home with Sarah and Emily, he finds his young daughter Brigid in the care of Clarissa Oakes. He searches for his wife to correct her misapprehensions about his judgment of her and about their daughter. Brigid is not talking yet though old enough to do so. Maturin needs to secure his fortune and his family. Maturin asks Aubrey for the Ringle to move his cash and then sends Clarissa, Padeen and Brigid to live at the Benedictine house in Avila, Spain for safety. Brigid takes to Padeen and is speaking in Irish and English aboard the Ringle. Both Blaine and Maturin hire Mr Pratt to gather information on the Duke and to find Diana.

             Aubrey gets orders to command a squadron of ships being assembled, a position which earns him promotion to Commodore. The mission to disrupt the African slave trade illegal since 1807 by British law. The second secret mission of the squadron is to intercept a French squadron aimed at Ireland, hoping for better success than in 1796-97. Long time friend Tom Pullings is captain of the flagship HMS Bellona, where Aubrey stays and Maturin is surgeon. The crews practice hard at lowering down boats and other naval skills.  Aubrey devises a scheme to surprise each slave port up to the Bight of Benin not touching Whydah as news of the squadron emptied the harbour. They take eighteen slaving ships as prizes. The success is not without loss of men to disease and attack. Maturin survives about of yellow fever contracted while out a few days botanizing on Philip's Island with Mr Square. As he recuperates, they stop at St Thomas island for medical.

              Caesar arriving from America.Caesar fails to arrive so they proceed northeast to Ireland. Aubrey informs his captains of his plan of attack and the��Bellona attacks the French pennant-ship. The four French troop carriers and one frigate which are penned in a cove are handled by HMS Royal Oakand Warwick who join the scene of battle having heard the gunfire. The other French frigate slips away. Bellonas taking water and Aubrey is glad for the help. Maturin speaks to the Irishmen who so badly want the guns aboard the foundered ship. He and Father Boyle persuade them this is not the moment as anyone found with the French guns by the British will be hanged. After tending the wounded, Maturin learns from his friend Roche that the flags are at half-staff on account of the death of a minor royal. Maturin, pleased at the news proceeds to the home of Colonel Villiers, a relative of Diana's late husband with whom she is now living, where he and Diana are happily reunited.

II-About the Author

            O'Brian wrote a number of other novels and short stories, most of which were published before he achieved success with the Aubrey–Maturin series. He also translated works from French to English, and wrote two biographies.

           His major success as a writer came late in life, when the Aubrey-Maturin series caught the eye of an American publisher. The series drew more readers and favourable reviews when the author was in his seventies. Near the end of his life, and in the same year he lost his beloved wife, British media revealed details of O'Brian's early life, first marriage, and post-war change of name, causing distress to the very private author and to many of his readers at that time.-(wikipedia)

III-CHARACTERS

Jack Aubrey: Appointed Commodore in the Royal Navy.

Stephen Maturin: Surgeon of the Bellona

Heneage Dundas: Captain of HMS Berenice

Barret Bonden: Coxwain for Aubrey

Mr David Adams: Captain's clerk

Padeen Colman: Irish servant to Maturin

Sarah and Emily Sweeting: Melanesian girls 

Duke of Habachtsthal: Last British official 

Awkward Davies: Able seaman.

Joe Plaice: Able seaman

Fellowes: Captain of HMS Thunderer.

Mr Philips: Admiralty officer aboard 

Sophia Aubrey: Wife of Jack 

Fannie and Charlotte Aubrey: Twin daughters of Jack and Sophia.

George Aubrey: Young son of Jack and Sophia.

Mrs Williams: Mother of Sophia and aunt to Diana Villiers

Mrs Selina Morris: Friend and companion to Mrs Williams

Mr Briggs: Servant to Mrs Morris 

Diana Villiers: Stephen's wife and mother of their child.

Clarissa Oakes: Young gentlewoman

Brigid Maturin: Young daughter of Stephen and Diana

Aunt Petronilla: Aunt to Maturin

Mr Hinksey: Priest for the parish 

Sir Joseph Blaine: Head of Intelligence at the Admiralty

Mr Pratt: Investigator 

Mr Brendan Lawrence: Lawyer for Aubrey

Mnason: Jack's butler at Woolcombe.

William Smith: First assistant surgeon on Bellona

Alexander Macaulay: Second assistant surgeon on Bellona

Mr Wetherby: Youngster on Bellona.

Mr William Reade: Midshipman

Mr Gray: First Lieutenant on the Bellona

Mr William Harding: Second Lieutenant on the Bellona

Mr Whewell: Acting third Lieutenant on the Bellona

John Paulton: Friend met in New South Wales

Mr Willoughby: Marine Lieutenant aboard HMS Stately

William Duff: Captain of HMS Stately

Met at Freetown

John Square: Krooman 

Houmouzios: Greek money lender

James Wood: Colonial Governor

Mrs Wood:  sister of Edward

Met in West Cork

Esprit-Tranquille Maistral: Commodore of the French squadron 

Mr Frank Geary: Captain of HMS Warwick

Father Boyle: aids in bringing the wounded to hospitals on land

Stanislas Roche: Local man 

Squadron leaders

Captain Tom Pullings: Bellona

Captain William Duff: Stately

Captain Thomas: Thames

Captain Francis Howard: Aurora

Captain Michael Fitton: Nimble

Captain Smith: Camilla

Dick Richardson: Laurel

IV-Lesson Learn

‘‘Life is a Series of Lessons Learned Only Through a Series of Mistakes’’

 V-Critique     

           I enjoy adventure type stories and Patrick O'Brian is very good at creating action.  His detail about the ships, the jobs of the sailors and life on board ship all go to making these books highly enjoyable.  I also like the dialect and word usage that seems to take the reader back to the time when sailing full rigged ships of the line could be a career leading to fame and fortune as well as a life of danger and excitement.  Each of the stories about the ship's captain and his friend and fellow sailor gives a bit more information about each.

VI-REFERENCE

Wikipidia

[investmart007]

U.S. Home Flipping Rate Matches Six-Year High In Q1 2018 Despite 3 Percent Year-Over-Year Decrease In Number Of Homes Flipped

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U.S. Home Flipping Rate Matches Six-Year High In Q1 2018 Despite 3 Percent Year-Over-Year Decrease In Number Of Homes Flipped

IRVINE, Calif./ June 9, 2018 (STLRealEstate.News) — ATTOM Data Solutions, curator of the nation’s premier property database, today released its Q1 2018 U.S. Home Flipping Report, which shows that 48,457 U.S. single family homes and condos were flipped in the first quarter of 2018, down 4 percent from the previous quarter and down 3 percent from a year ago to a two-year low.

The 48,457 homes flipped in the first quarter represented 6.9 percent of all home sales during the quarter, up from 5.9 percent in the previous quarter and unchanged from a year ago — matching the highest home flipping rate since Q1 2012.

Homes flipped in Q1 2018 sold at an average gross profit of $69,500, up from an average gross flipping profit of $68,250 in the previous quarter and up from $66,287 in Q1 2017 to the highest average gross flipping profit since ATTOM began tracking in Q1 2000.

The average gross flipping profit of $69,500 in Q1 2018 translated into an average 47.8 percent return on investment compared to the original acquisition price, down from a 48.9 percent average gross flipping ROI in Q4 2017 and down from an average gross flipping ROI of 50.3 percent in Q1 2017 to the lowest level since Q2 2015 — a nearly three-year low.

“The 2018 housing market is a double-edged sword for home flippers,” said Daren Blomquist, senior vice president at ATTOM Data Solutions. “Rapidly rising home prices boosted by low available inventory of homes for sale or for rent are padding profits at the back end when flippers sell, but those same market realities are eroding flipping returns at the front end by forcing flippers to pay more to acquire homes to flip.”

Attend webinar on finding properties to flip for the biggest profits. Home flipping rate down from year ago in 55 percent of local markets

Seventy-five of 136 metropolitan statistical analyzed in the report (55 percent) posted a year-over-year decrease in their home flipping rate in Q1 2018, including Miami, Florida (down 16 percent), Los Angeles, California (down 3 percent), Tampa-St. Petersburg, Florida (down 13 percent); Washington, D.C. (down 6 percent); and Las Vegas (down 2 percent).

“The market is incredibly hot right now, making it very hard to find homes to flip — but there is an opportunity for flippers to move into the new construction market,” said Alex Sifakis, president of JWB Real Estate Capital, a real estate investment company based in Jacksonville, Florida, where the home flipping rate decreased 7 percent compared to a year ago in Q1 2018. “We will flip about 200 homes this year, but build about 400 new homes — the vast majority of those not in subdivisions but in older neighborhoods where we are buying teardowns or long-vacant lots.”

Home flipping rate up in Phoenix, New York, Atlanta, Philadelphia, Chicago, Dallas, Detroit

Sixty-one of the 136 metro areas analyzed in the report (45 percent) posted a year-over-year increase in their home flipping rate in Q1 2018, led by Baton Rouge, Louisiana (up 70 percent); Lincoln, Nebraska (up 62 percent); Madison, Wisconsin (up 55 percent); Columbia, South Carolina (up 48 percent); and Atlantic City, New Jersey (up 43 percent).

Among markets with at least 1,000 home flips in the first quarter, those posting a year-over-year increase in their home flipping rate in Q1 2018 were Phoenix, Arizona (up 15 percent); New York, New York (up 20 percent); Atlanta, Georgia (up 4 percent); Philadelphia, Pennsylvania (up 6 percent); Chicago, Illinois (up 7 percent); Dallas-Fort Worth, Texas (up 2 percent); and Detroit, Michigan (up 17 percent).

“The lack of houses for sale is probably why the rate is steady over last year even though demand for houses by other investors has never been higher,” said David Hicks, CEO of Homevestors, a real estate investment company with more than 900 local franchises across the country. Hicks added that more than half of homes purchased by Homevestors franchises are now flipped, compared to about one-third historically. “Our franchises have actually bought 33 percent more houses year-to-date over 2017. Sales are up 32 percent, so we are on track to have a banner year.”

Memphis leads nation with home flipping rate of 15.1 percent Among 136 metropolitan statistical areas with at least 50 home flips in Q1 2018, those with the highest home flipping rate were Memphis, Tennessee (15.1 percent); Albany, Oregon (11.7 percent); East Stroudsburg, Pennsylvania (11.4 percent); York, Pennsylvania (10.4 percent); and Merced, California (10.3 percent).

Along with Memphis, other metro areas with a population of at least 1 million and a home flipping rate above 9.0 percent were Phoenix (10.3 percent); Virginia Beach (9.9 percent); Las Vegas (9.8 percent); Baltimore (9.7 percent); and Rochester, New York (9.5 percent).

Five zip codes with a home flipping rate of more than 30 percent Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five zip codes where home flips accounted for more than 30 percent of all home sales: 70814 in Baton Rouge, Louisiana (39.0 percent); 19055 in Levittown, Pennsylvania (34.9 percent); 90047 in Los Angeles, California (31.7 percent); and the two Memphis Tennessee zips of 38115 (31.6 percent) and 38141 (30.3 percent). “I am seeing a lot of new investors around investors’ meetings while more seasoned investors have been holding back and are being more cautious — some invest out of state and some move into different asset classes other than residential,” said Lin He, owner of Rellion, a real estate investment company based in Orange County, California. “On the other hand, the uncertainty over the presidential election is over and generally speaking the ‘animal spirit’ is back. My market posture is to engage the market cautiously. It doesn’t feel like a bubble yet, but the sky-high property values are definitely concerning.”

Highest flipping ROI in Pennsylvania and New Jersey markets Among the 136 metropolitan statistical areas analyzed in the report with at least 50 home flips completed in Q1 2018, those with the highest average gross flipping ROI were East Stroudsburg, Pennsylvania (164.1 percent); Pittsburgh, Pennsylvania (146.6 percent); Atlantic City, New Jersey (133.3 percent); Reading, Pennsylvania (120.8 percent); and Philadelphia, Pennsylvania (110.2 percent).

Along with Pittsburgh and Philadelphia, metro areas with a population of at least 1 million and an average gross flipping ROI of at least 89 percent were Cleveland, Ohio (109.5 percent); Baltimore, Maryland (102.9 percent); New Orleans, Louisiana (98.8 percent); Buffalo, New York (96.4 percent); and Memphis, Tennessee (89.1 percent).

Share of flipped homes purchased with financing rises to more than nine-year high Homes flipped in Q1 2018 that were originally purchased with financing by the home flipper represented 35.7 percent of all homes flipped during the quarter, up from 35.3 percent in the previous quarter and up from 33.5 percent a year ago to the highest level since Q3 2008 — a nine and a half year high.

“We field multiple phone calls every week from institutional investors who want to work with us,” said Matt Humphrey, co-founder and CEO of LendingHome, a fix-and-flip lender. “Wall Street has become more comfortable with the fix-and-flip space because they now have access to four years of performance data, and they’ve actively watched the development of this asset class.

Large-scale, low-cost financing coupled with efficient tech-driven operations — like ours at LendingHome — means lower fees to borrowers with terms that work for them. There are simply more opportunities to get in the game. Flipping is no longer relegated to the lucky ones who have relationships with hard money lenders across town.”

Among the 136 metro areas analyzed in the report, those with the highest share of home flips purchased with financing were Colorado Springs, Colorado (63.9 percent); Madison, Wisconsin (63.0 percent); Boston, Massachusetts (56.3 percent); Greeley, Colorado (56.3 percent); and Denver, Colorado (56.1 percent).

Total estimated dollar volume of financing for homes flipped in Q1 2018 was $3.8 billion, down from $3.9 billion in the previous quarter and down from $4.0 billion in Q1 2017.

Five zip codes with an average gross flipping profit above $325,000 per flip

Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five where the average gross flipping profit was more than $325,000 per flip: 91356 in Tarzana, California ($425,000); 07307 in Jersey City, New Jersey ($385,000); 90066 in Los Angeles, California ($359,000); 95124 in San Jose, California ($350,000); and 20011 in the District of Columbia ($327,000).

“The D.C. metro area has been a hot spot for home flipping for several years now, and the first quarter of 2018 reflects that,” said Bobby Montagne, CEO of Walnut Street Finance, a fix-and-flip lender based in Fairfax, Virginia. “The area’s high density of homes, stable job market, and strong local economy make fix-and-flip projects especially attractive and sound investments in the D.C. metro area.”

Average time to flip nationwide at 183 days Homes flipped in Q1 2018 took an average of 183 days to complete the flip, up from an average 179 days for homes flipped in Q4 2017 and unchanged from a year ago.

Among the 136 metro areas analyzed in the report, those with the shortest average days to flip were Mobile, Alabama (117 days); Memphis, Tennessee (139 days); Clarksville, Tennessee (148 days); Phoenix, Arizona (151 days); and Medford, Oregon (152 days).

Metro areas with the longest average days to flip were Provo, Utah (224 days); Naples, Florida (220 days); Salt Lake City, Utah (216 days); Ogden, Utah (216 days); and Boise City, Idaho (214 days). Five zip codes with an average time to flip under 100 days Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five zips where the average time to flip was less than 100 days: 38141 in Memphis, Tennessee (93 days); 76119 in Fort Worth, Texas (93 days); 85388 in Surprise, Arizona (94 days); 85043 in Phoenix, Arizona (98 days); and 32206 in Jacksonville, Florida (99 days).

“Home flippers have to adapt to the changing market if they want to find inventory,” said Sifakis of Jacksonville-based JWB Real Estate Capital. “In 2017 JWB bought a little over 700 properties, and less than 20 percent came from the MLS (Multiple Listing Service). The rest we had to source ourselves through online marketing, mailers, signage, various local and online auctions, wholesalers, etc. Four years ago, our monthly budget to find homes to flip was $0. Today it is $20,000 a month — and climbing.”

Attend webinar on finding properties to flip for the biggest profits. Flipped homes sold to FHA buyers drops to 10-year low Of the 48,457 U.S. homes flipped in Q1 2018, 15.9 percent were sold by the flipper to a buyer using a loan backed by the Federal Housing Administration (FHA), down from 16.1 percent in the previous quarter and down from 19.2 percent a year ago to the lowest level since Q1 2008.

Among the 136 metro areas analyzed in the report, those with the highest percentage of Q1 2018 home flips sold to FHA buyers — typically first-time homebuyers — were Pueblo, Colorado (32.7 percent); Merced, California (32.7 percent); Ogden, Utah (30.2 percent); Tulsa, Oklahoma (28.8 percent); and Bakersfield, California (28.6 percent).

Report methodology ATTOM Data Solutions analyzed sales deed data for this report. A single family home or condo flip was any arms-length transaction that occurred in the quarter where a previous arms-length transaction on the same property had occurred within the last 12 months. The average gross flipping profit is the difference between the purchase price and the flipped price (not including rehab costs and other expenses incurred, which flipping veterans estimate typically run between 20 percent and 33 percent of the property’s after repair value). Gross flipping return on investment was calculated by dividing the gross flipping profit by the first sale (purchase) price.

About ATTOM Data Solutions ATTOM Data Solutions provides premium property data to power products that improve transparency, innovation, efficiency and disruption in a data-driven economy. ATTOM multi-sources property tax, deed, mortgage, foreclosure, environmental risk, natural hazard, and neighborhood data for more than 155 million U.S. residential and commercial properties covering 99 percent of the nation’s population. A rigorous data management process involving more than 20 steps validates, standardizes and enhances the data collected by ATTOM, assigning each property record with a persistent, unique ID — the ATTOM ID. The 9TB ATTOM Data Warehouse fuels innovation in many industries including mortgage, real estate, insurance, marketing, government and more through flexible data delivery solutions that include bulk file licenses, APIs, market trends, marketing lists, match & append and more. Media Contact: Christine Stricker 949.748.8428 christine.stricker@attomdata.com  Data and Report Licensing: 949.502.8313 datareports@attomdata.com

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SOURCE: ATTOM Data Solutions