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As a real estate investor, it is very important that you surround your self with a good, strong team of trustworthy individuals. You will need to develop and maintain good working relationships with professionals for each stage of the process.

As we discuss developing your winning team, we will break it down by the process. The processes we will discuss are: 1. Finding the Property 2. Funding the Property 3. Closing on the Property 4. Fixing the Property 5. Selling the Property

Finding the Property

As we discussed earlier, there are several ways for you to locate your properties. Established relationships can make finding the right house easier for you, especially with motivated sellers.

Once you locate a wholesaler who specializes at finding good, quality houses in your target areas, you want to develop a good relationship. In some instances, you may be able to get on an “early notification” list, or after you have purchased a property or two, the wholesaler might even look for properties specifically for you. This will be an important relationship for both of you; you will have a steady source of quality properties and the wholesaler will gain a client who they know will do what they say that they are going to do.

Another member you want to have on your team is a strong Realtor. It is important that the Realtor be used to working with real estate investors or at least has a basic understanding of real estate investing. At the minimum, your Realtor must be open to learning and listening. You will be looking for atypical properties, and your Realtor will really need to be on board with what you want. It is important that you stay in the driver’s seat and only look at properties that fit your criteria and business plan. You may find that many Realtors want to show you the properties that they have listings for or what they think is a good investment. Remember everything that you have learned about what makes a good investment for your portfolio, and stick with it. The good thing is, there are a lot of Realtors out there, so you should be able to find one that you can work with.

Other people who have access to motivated sellers and/or distressed sellers are good to have on your team. Probate attorneys and divorce attorneys are just two such examples. If you can find someone who can give you the scoop or the inside track on available properties, cultivate that relationship.

Funding the Property

When you locate a great property, you will need to be able to move quickly to purchase it. This is especially important if the property is one that you are competing with other investors to purchase. You will want to show the seller that you can purchase the property, just like you said that you could. Unfortunately, many real estate investors put properties under contract and never close. If the seller is one who works with a lot of real estate investors, they may be gun shy. Even if the seller has no negative experience (or no experience) with real estate investors, it is a good idea to be able to show that you have the funds to close the deal.

In order to ensure that you can close on the deal when you say you can, you need to develop strong relationships with both hard money lenders and private lenders. You will find that the terms will differ between hard money lenders and private lenders, but each type of loan has its place in your real estate investing business.

Hard money lenders typically charge between 12% and 14% for their loan. They also charge points and some have pre-payment penalties. All of the loans are interest only, most with monthly interest payments. Many new investors are taken aback when they see what the terms are, but more seasoned investors know that the terms are definitely worth it. It is basically an opportunity cost. Banks are not going to loan the money for an investment property. Even those banks that offer “rehab loans” usually do not close in a timely manner and have all sort of specifications that you will not find in a hard money loan.

There are many other benefits of working with hard money lenders. Hard money lenders know the market and specialize on working with real estate investors. They are familiar with values, areas and appraisers. And most importantly, they have the money to lend. Because they are in the business of lending, most hard money lenders have several million dollars available to lend out. As long as you and the property meet their criteria, you can usually close in as little as seven to ten days. If you have developed a relationship with the hard money lender, and have already closed several deals with them, you can probably close even more quickly.

The terms for loans with private lenders vary on the lender, and often on you, the real estate investor. In many instances the private lender is new and you can determine the terms. You always want to be fair to the lender, and make sure that the loan is worth their time. However, you will most likely pay a lower percentage rate and few to zero points.

However, you may have to educate your private lender if they are new to lending. They will rely on you to provide them with good information and a good investment. This is a really amazing responsibility. You must make sure that you put checks and balances in place to protect your lender. You will also be responsible for finding good appraisers, surveyors and closing attorneys.

Closing on the Property

In order to close on your property, you are going to need three more strong players. They are your appraiser, your surveyor (if the lender requires it) and your closing attorney.

It is important to note that, if you are funding your deal with a hard money lender, all of these team members will actually be picked (or approved by) your hard money lender. Each of these members ensures that the investment is a good one, that the values are solid and that everything closes in order. These things make sure that the lender’s investment is as secure as possible.

However, just because these team members represent your lender, this does not mean that you cannot develop a relationship with them. Developing this relationship will allow you to check on the status, schedule closings to your convenience and just make sure that everything stays on track. Also, once you get your own private lenders, you can utilize these same people with whom you have already developed a relationship.

The appraiser will be responsible for providing the After Repair Value (ARV) appraisal. Again, the appraiser should be someone who is used to the real estate investing market. If you attempt to work with an appraiser who works primarily (or only) with homeowners, you are in for a lot of headaches. I fact, don’t even go there. Use the appraiser that your lender has approved, or talk to other real estate investors and find a good, reputable appraiser.

Now, not all lenders require a survey. However, if they do, they will already have a survey company that they use. Just go with them.

The closing attorney is another important member of your team. If they are not selected by your lender, they will have to be approved by them. The closing attorney is very important to your deal. Their office makes sure that all of the details are taking care of. They make sure that title is clear and title insurance is obtained. They prepare all closing documents and wire funds. In some parts of the country, a title company handles these same tasks.

Fixing the Property

The contractor that you choose to work on your rehab can make or break your project. This is a hard fact. It is hard because many real estate investors do not choose licensed contractors to work on their jobs. They often use their brother, their cousin, their uncle or their friend. These contractors might do an excellent job, but they also might lack the experience and the business acumen necessary to complete the project in a timely and professional manner.

Regardless of your level of expertise, you have to make sure that you have checks and balances in place to protect yourself. You should have agreements in place that specifically detail the items to be completed, the prices and the timeline for completion. Find out how many members are on the contractor’s crew. Does he have his own trucks? Does he have the money to begin a job, or does he need start up money?

Finding a good contractor can be a long process. Be sure to get referrals and before and after pictures of work that the contractor has completed. When you get the referrals, call them. Find out if the clients are satisfied and if they would use their services again.

When you locate a good contractor or two, and you will, hold onto him! A contractor who does quality work at a fair price in a timely manner is worth his weight in gold. Knowing that you have someone that you can count on to will give you the confidence to put properties under contract and market them and move them quickly.

Selling the Property

When you decide to sell your retail property, there are two key members on your team, your mortgage broker and your Realtor.

It is key that you locate a mortgage broker that will be able to finance your buyers. Your mortgage broker should have programs for all types of sellers, whether they are first time home buyers, have credit issues, or retired or any other “out of the ordinary” situation. It is crucial that your mortgage broker has experience closing loans.

You want to know that when you find a buyer with reasonable qualifications, your mortgage broker can get your buyer qualified and closed. You do not want someone who is trying out new programs or just getting started. You need to get your properties sold, and your mortgage broker can help you do this. Ideally, they will have a 100% financing program and you will be able to advertise it when you advertise your house.

The second member of your selling team is someone that we have already mentioned, your Realtor. You want someone who can find you a buyer, quickly. Again, your Realtor should be able to think outside of the box. There are so many financing options out there, you don’t want to look for only “traditional” buyers.

It will take a little time and effort to develop your winning team, but it is worth it. This is another reason why a turnkey system is so attractive to real estate investors. All of the keys are in place, and you can just plug in and take advantage of what is already in place.

No matter how you find your team members, putting together a strong team is crucial to your success.

It’s easy to immediately think of insomnia when one hears of the term sleep disorder. A lot of people may not know though that sleep apnea is also an equally distressing sleep disorder. The best way to secure oneself from the threat of apnea is to recognize a sleep apnea symptom.

Dangers of Sleep Apnea

Recognizing sleep apnea symptoms is the first step to treating this deadly condition. Aside from exhausting the body and retarding your functions, sleep apnea could lead to more serious conditions such as stroke, heart disease and gastroesophageal reflux disease to name just a few.

There are three types of sleep apnea. Central sleep apnea is when the brain fails to signal breathing. Obstructive sleep apnea is when the muscles in the air passage collapses or becomes blocked by tissues that prevent air from getting through. The third type is a mix of the two major apnea types. Although they may have their differences, they may share a similar sleep apnea symptom or two.

Symptoms

Sleep apnea may be manifested by snoring. This sleep apnea symptom may begin immediately after falling asleep and can grow louder as sleep progresses. It has since been discovered though that sleep apnea may still occur even without this common sleep apnea symptom. It is also possible that one may be a loud snorer without necessarily having an apnea condition.

It is logical to therefore conclude that the cessation of breathing is a more determining sleep apnea symptom. Aside from this obvious sleep apnea symptom, an individual could also gasp and choke while asleep and may eventually wake up dazed and confused. Daytime sleepiness is an insomnia symptom that may also point to a sleep apnea condition.

Accompanying Conditions

It may also be a good idea to look for a sleep apnea symptom among the conditions caused by apnea itself. A person suffering from this condition could end up being depressed because apnea causes either light sleep or wakefulness that in turn causes tiredness and irritability.

Importance of an Observer

People with sleep apnea will have a hard time recognizing the condition themselves. After all, a sleeping person cannot know what goes on during sleep. The responsibility of first noticing an apnea condition therefore falls on the shoulders of housemates or bed mates. Once a symptom like cessation of breathing becomes obvious a person who is believed to have apnea should be brought to a specialist for proper diagnosis. Housemates should also take note of personality changes brought about by disturbed sleep.

Treatment

Surgery has the chance of treating sleep apnea by 50%. It may help though for people who have the condition clearly because of enlarged tissues or tonsils. Surgery is generally a last resort treatment for people with apnea. Other medical procedures and treatments are first attempted before surgery is considered. What is important is to seek for expert advice instead of attempting to solve the condition on your own.

The Miniature Schnauzer comes packed with a lot of activity even in its small frame. If it comes to choosing a small dog breed then the Miniature Schnauzer is the perfect dog you can have at home. Being small in size doesn’t make a dent in his confidence and he is always ready to take on any challenge including protecting his master’s life.

An energetic dog with appearance almost exactly the same as its bigger cousins, the Giant and Standard Schnauzer, the Miniature Schnauzer is the result of mixing of Affenpinschers and Poodles with the small Standards. Originally from Germany, the breed has gained acceptance as a distinct breed in 1899.

Compatibility and Usage: The mini Schnauzer although the smallest in his breed fulfills a dual role perfectly: he can be a guard dog as well as a family dog. The mini Schnauzer loves to kill rats and is often considered as a born prizewinner in any show competition. He is a super intelligent dog who is energetic and with some obedience training can become a good family dog.

Physical Appearance: The Mini Schnauzer sports a non-shedding double hair coat that requires regular brushing and grooming. They male of the breed stands between 17 to 19 inches and weighs 25 pounds while the female Mini Schnauzer stands between 12 to 14 inches and weighs around 22 pounds.

Temperament: Bright-eyed, loving, intelligent, and playful the Miniature Schnauzer is a sure hit with children Miniature Schnauzer make good companions and family pets and are outstanding watchdogs and are great to travel with. Their extremely good temperament makes them a very good choice of the best small dogs for homes. They are very adorable and can easily mix with children and the elderly. Although small, they are highly protective of their owners and would sometimes even challenge bigger dogs!

Temperament: The mini Schnauzer has an extremely good temperament and hence is regarded as one of the best small dogs for homes. He is a completely adorable dog who can mix with children as well as elderly people with ease. At the same time, this mini dog is highly protective, loving and calm. They are also regarded as highly perceptive dogs because they can almost all the time make out what their owner really wants.

Caring & health: A mini Schnauzer like other dogs is prone to diseases and physical conditions like developing bladder stones, diabetes, and even pancreatitis. Hence it is recommended not to overfeed them or treat them to too much of fatty food and sweets. He can also suffer from hypothyroidism, which relates to underproduction of thyroxin and affects mini Schnauzer’s of the age group 2-6 years. Apart from grooming of his coat, his beard needs to be taken care of too. Nails can grow quickly hence a nail cut is recommended once every 5 weeks. They are also susceptible to periodontal disease and hence regular brushing of teeth becomes necessary.

The mini Schnauzer is an excellent dog, which can adapt itself to any kind of environment. Whether you are staying in a palatial home or a two-room apartment, he can easily adapt to his surroundings. Unlike bigger dogs, he doesn’t require too much of space and hence is preferred as a small family dog. All he will ever need is your love and care!

The Miniature Schnauzer is a relatively small, squarish looking dog with a long head, unkempt beard, mustache and eyebrows. Some owners find it necessary to trim the eyebrows and mustache to draw attention to the dog’s squarish proportions. The coat colors of the breed are salt and pepper, black, white or a black & silver outer coat with a soft undercoat.

It is a very energetic dog and with overall physical appearance surprisingly the same as those of his bigger cousins, the Giant and Standard Schnauzer. The breed traces it origins to Germany.

Compatibility and Usage: The mini Schnauzer although the smallest in his breed fulfills a dual role perfectly: he can be a guard dog as well as a family dog. The mini Schnauzer loves to kill rats and is often considered as a born prizewinner in any show competition. He is a super intelligent dog who is energetic and with some obedience training can become a good family dog.

Physical Appearance: The mini Schnauzer has a double hair coat and hence grooming is extremely important. They will experience hair fall and but most of the time they are non-shedding and hence proper care needs to be taken to maintain their coat and grooming should be done once in 5-8 weeks. A mini Schnauzer comes in different colors, which can vary from a mix of black and pepper to jet black and even a mix of black and silver.

Temperament: Bright-eyed, loving, intelligent, and playful the Miniature Schnauzer is a sure hit with children Miniature Schnauzer make good companions and family pets and are outstanding watchdogs and are great to travel with. Their extremely good temperament makes them a very good choice of the best small dogs for homes. They are very adorable and can easily mix with children and the elderly. Although small, they are highly protective of their owners and would sometimes even challenge bigger dogs!

Caring & Health: With a lifespan of 15 years, they are usually a healthy breed but are also prone to suffer from kidney stones, liver disease, skin disorders, von Willebrand’s disease, diabetes, liver ailments and cysts and hereditary eye problems. Never overfeed the Schnauzer as they have a tendency to gain weight and become obese. They are also prone to hypothyroidism during the when they are between the age of 2 to 6 years old.

Caring & Health: The breed is susceptible to developing bladder stones, diabetes and pancreatitis. A close monitoring of their diet is therefore necessary so they do not eat too much, especially fatty food and sweets. Another susceptibility of the breed between the ages of 2 to 6 years old is hypothyroidism. Regular visits to the vet will certainly give your mini Schnauzer a health and long life. Regular grooming of the coat and the beard is necessary including clipping of the toe nails. To avoid periodontal disease, regular brushing of teeth is obligatory.

The mini Schnauzer would make an excellent family dog and guard dog whether you live in the countryside or in the city. It does not require any special doghouse unlike dogs of bigger breeds. All it requires is your family’s love and care and you will surely be rewarded with a loyal, fun-loving and playful dog the whole family will enjoy!

The Miniature Schnauzer comes packed with a lot of activity even in its small frame. If it comes to choosing a small dog breed then the Miniature Schnauzer is the perfect dog you can have at home. Being small in size doesn’t make a dent in his confidence and he is always ready to take on any challenge including protecting his master’s life.

A robust dog, the Miniature Schnauzer is a very active dog and his general appearance is remarkably similar to some of his bigger cousins: the giant and the standard Schnauzer. He is believed to have originated in Germany in the 1800’s.

Compatibility and Usage: Despite the name Miniature Schnauzer, the breed can adequately carry out the roles of a protective and dependable guard dog and a playful family dog. Noted for its ability to hunt and kill rats, the Mini Schnauzer is also a natural winner in dog show competitions due to its high level of intelligence.

Physical Appearance: The mini Schnauzer is distinguished by its thickset body, wiry coat and an abundance of whiskers and leg hair. It can be of several colors with salt-and-pepper as the most common; however, there are now a number of members of the breed that are blacks and black-and-silvers. They are very fond of children and of a small size.

The male of the breed stands between 17-19 inches tall and weighs up to 25 pounds while the female mini Schnauzer stands anywhere between 12-14 inches and weighs 22 pounds.

Temperament: The mini Schnauzer has an extremely good temperament and hence is regarded as one of the best small dogs for homes. He is a completely adorable dog who can mix with children as well as elderly people with ease. At the same time, this mini dog is highly protective, loving and calm. They are also regarded as highly perceptive dogs because they can almost all the time make out what their owner really wants.

The wiry coat needs combing and brushing daily. Since they are non-shedders, they are a good dog for allergy sufferers. Regular cutting of the nails and brushing of teeth is also necessary for this breed.

The mini Schnauzer is an excellent dog, which can adapt itself to any kind of environment. Whether you are staying in a palatial home or a two-room apartment, he can easily adapt to his surroundings. Unlike bigger dogs, he doesn’t require too much of space and hence is preferred as a small family dog. All he will ever need is your love and care!