Mario Gonzalez - Wednesday, December 9, 2015
The first thing every homeowner needs to know about plumbing is how to turn the water off in case of an emergency. It’s like having a fire extinguisher; you hope you never need it but you want it just in case you do. Generally, the cutoff is in the front of the home. There may be a separate cutoff box on the owner’s side ...
Mario Gonzalez - Wednesday, December 2, 2015
Appreciation, tax advantages, cash flow, leverage and equity build-up contribute to the rate of return on rental real estate. If that sounds confusing and it’s keeping you from investing in rentals, try looking at it a different way. Consider this, look at only cash flow and equity build-up to determine whether to buy the prope...
Mario Gonzalez - Wednesday, November 25, 2015
An Automated Valuation Model, AVM, is a computer approach that looks at public records to make a determination based on square footage, comparable sales and other elements. It is as easy as putting your address in a blank but unfortunately, AVM results may only be accurate about 20% of the time. A popular AVM, Zestimate®, states ...
Mario Gonzalez - Wednesday, November 18, 2015
Homeowners should recognize that the same trusted professional who helped them buy or sell their home can be a valuable resource while they own their home too. Think of your REALTOR® as an indispensable homeowner’s resource who can make recommendations about a variety of services that homeowners will use throughout the tenu...
Mario Gonzalez - Wednesday, October 28, 2015
A variety of factors have led to a shortage of rental units, especially single family homes, and as a result, rents have been steadily increasing nationwide. In most markets, it is considerably less to own than to rent. In some cases, the total house payment is less than the rent for a similar size and condition home which supports a...
Mario Gonzalez - Wednesday, October 21, 2015
Rental homes have several distinct advantages compared to alternative investments. These advantages coupled with the opportunity for a higher yield make it a clear choice for some investors.Most investments must be paid for in cash. Stocks can be purchased with 50% cash but if the value goes down, more cash has to be used to keep the marg...
Mario Gonzalez - Wednesday, October 14, 2015
According to a Federal Reserve report on Consumer Finances, homeowners' net worth is 36 times greater than that of renters. Building on that study, the National Association of REALTORS® believes that by the end of 2015, the factor will grow to 41 times greater. There can be several factors that contribute to this disparity bu...
Mario Gonzalez - Wednesday, October 7, 2015
It seems fairly innocuous; a friend or family member wants you to co-sign on a loan because they don’t qualify. They assure that they’ll make the payments; they’re quite convincing and very appreciative. You don’t want to disappoint them and after all, it’s not like it’s going to cost you anything&helli...
Mario Gonzalez - Wednesday, September 30, 2015
As rates are inching up but still very affordable, buyers should remember that there is an alternative to a fixed rate mortgage that can provide the lowest cost of housing for the homeowners who understand the parameters. A $300,000 fixed-rate mortgage at 4% has a principal and interest payment of $1,432.25 per month for the entire ...
Mario Gonzalez - Wednesday, September 23, 2015
Making additional payments toward the principal of your mortgage will do three things for the homeowner: save interest, build equity and shorten the term on fixed rate mortgages. These things should be beneficial enough to justify the extra payments but another huge advantage is available to those who have private mortgage insurance...
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