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Who Saves the Commission?

Mario Gonzalez - Wednesday, May 14, 2014
Property Management Blog
One of the most common reasons buyers want to deal directly with the seller is because they feel they can save the commission. It’s a valid consideration but interestingly, it’s the same reason the seller isn’t employing an agent; they feel they can save the commission. Both parties cannot save the commission. The buyer ...

Consideration could be the key to your new home

Mario Gonzalez - Wednesday, May 7, 2014
Property Management Blog
Consideration associated with a contract is generally thought to be the price and terms but being sympathetic and courteous towards the seller could make a difference in getting the home you want. Business people, like store owners, expect to deal with customers and even come to expect behavior that might not be accepted in a purely socia...

The Question Every Cash Buyer Should Answer

Mario Gonzalez - Wednesday, April 30, 2014
Property Management Blog
Paying cash for a home seems like a huge advantage to qualifying for a mortgage and an appraisal. However, for the fortunate few who don’t need a mortgage, there is a question they should answer before they make that decision: Do you think at any point in the future, you might put a mortgage on this property? It’s important be...

A Lower Payment is Your Choice

Mario Gonzalez - Wednesday, April 23, 2014
Property Management Blog
94% of purchasers last year opted for a fixed-rate mortgage at some of the lowest rates in home buying history. Yet, some of them will pay more in interest than necessary based on the time they’ll own the home. If a person only plans to be in the home a few years, the adjustable-rate can offer significant savings. Not only is the in...

An Exchange Means More to Reinvest

Mario Gonzalez - Wednesday, April 16, 2014
Property Management Blog
Section 1031 exchange for rental and investment real estate is a tool that allows investors to move the gain from one property to another without immediate income tax consequences. An instant benefit is to postpone the tax due which gives the investor a larger amount of proceeds to invest. In the example shown, the investor has 21% more p...

Is the Window Closing?

Mario Gonzalez - Wednesday, April 9, 2014
Property Management Blog
With interest rates lower than they’ve been in over 40 years, it may be difficult to think of a “window of opportunity” closing. However, it isn’t difficult to understand that it may very probably cost more to live in a home in the near future due to rising interest rates and prices. Zillow recently reported result...

Looking for the Largest Deduction

Mario Gonzalez - Wednesday, April 2, 2014
Property Management Blog
IRS allows taxpayers the option to take the standard deduction or the itemized deduction. The astute taxpayer will compare to see which one will result in the greatest deduction and the election can be made each year. The 2013 standard deduction for a married couple filing jointly is $12,200 and $6,100 for a single taxpayer. It doesn&rsqu...

What's the Point?

Mario Gonzalez - Wednesday, March 26, 2014
Property Management Blog
Prepaid interest, sometimes called “points”, is generally tax deductible when a person pays them in connection with buying, building or improving their principal residence. When points are paid on a refinance, they are not a current deduction but have to be taken prorata over the life of the mortgage. For instance, if $3,000 i...

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