Whether you are planing to invest in a small multifamily property or in a retail or an office space, you may consider outsourcing property management tasks to a third party. But where can you find a property management team that you can trust? Your first resource can be your own Realtor, however you need to know that your Realtor may not be qualified to manage the investment property even though he or she may have successfully closed on hundreds of such properties.

If your are a serious real estate investor, All Property Management is one of those websites you should bookmark. The website allows you to quickly find property management teams across United States and Canada.

The website went live in 2004 and since then have attracted hundreds of real estate companies that offer real estate management.

Unlike many real estate related websites All Property Management is very simple and user friendly. From the very first moment you know exactly website has to offer:

Locating a property managers is a breeze, just select property type and zip code where your property is located and then click “Find Property Managers”:

Depending on your query, the results are produced in a form of a list of companies available in the area where your property is located.

Next to each listing a “Get Quote” button is located- clicking on it will bring you to a form where you are asked few simple questions about your property before the request is sent to a management company.

If you are representing a property management company listing your company with All Property Management may help you to generate leads for your business- for more information go to their About Page.

Disclaimer: The above is a sponsored post. If you would like us to write about your company or website you can purchase a review here.

By Andrea Carangelo

If you are thinking about refinancing a loan or requesting your private mortgage insurance (PMI) be removed, you should know your loan to value ratio.

It is easy to figure out using these steps:

If you will be applying for a loan:

1) Start with the purchase price of the property as the value for the property. (example: $150,000)

2) Subtract the amount of your down payment ($20,000).

3) Take the loan amount which will be the purchase price minus the down payment ($130,000)

4) Divide loan amount ($130,000) by the purchase price ($150,000=value). It would look like this: $130,000 divided by $150,000, which equals 0.87, or 87 percent=your ratio.

5) Use this number with your lender when referring to your loan.

Most loans with an LTV over 80 percent require PMI.

If You Already Have a Loan:

1) You should get an appraisal of your property. This is the only way to get an accurate assessment of its value. If you are just doing this so you are aware of your loan to value ratio, you can save the appraisal fee and estimate the value by comparing your property to similar homes in your neighborhood that have sold. This will be the value number for the equation

2) Look on your most recent loan statement to find out how much you owe (your balance). This will be the loan number for the equation.

3) Divide the loan figure by the value figure. This is your ratio.

If you are requesting the removal of PMI, you will have to get an appraisal. In removing PMI, you may request in writing to your current lender that the PMI be removed if the ratio is 80 percent or less. If you request an appraisal and the value is not high enough, you will still pay for the appraisal.

When you apply for a loan, mortgage loan or any other type of credit, Lenders use your debt to income ratio (how much you owe on credit cards and loans compared to how much you earn) to help evaluate your credit.

How You Can Figure Your Debt To Income Ratio:

1) Add up your total net monthly income. This includes your monthly wages and any overtime, commissions or bonuses that are guaranteed; plus alimony payments received, if applicable. If your income varies, figure the monthly average for the past two years. Include any money earned from any other additional income.

2) Add up your monthly debt. This includes all of your credit card bills, loan and mortgage payments. If you rent, be sure to include your rent payments.

3) Divide your total monthly debt by your total monthly income. This is your total debt to income ratio.

4) If your ratio is higher than 0.36, which professionals would call a score of 36. The lower the better. If the score is higher than 36 it might cause an increase in the interest rate or the down payment on a loan you apply for.

Remember:

When you total your monthly debts, use the minimum payment on your statements.
When calculating your income, a lender usually only considers money from a job that you have been at for at least two years.
Unreported earned income cannot be used in the calculation.

AC Associates helping individuals across the United States reach their financial goals. We offer a program to Home Owners on how to successfully sell their home by offering Owner Financing. Purchaser of Owner Financed Mortgage Notes, Deeds of Trust, Lawsuit Settlements, Life Insurance, Lottery/Contest Winnings and Seller Financed Business Notes.
http://www.acassociatesusa.com

Article Source: http://EzineArticles.com/?expert=Andrea_Carangelo
http://EzineArticles.com/?Know-Your-Ratio—Loan-to-Value-and-Debt-to-Income&id=609658

Searching for a property in Hawaii? Than you should consider take a closer look at Hawaii Life- a real estate search engine that maps properties in Hawaii MLS with the help of Google Maps. Any visitors can search for Hawaii Real Estate property, but there are benefits to register an account so you can save the properties you are interested in for the future review.

At the moment Hawaii Life offers your an opportunity to search for Kauai Real Estate and Big Island real estate. Hawaii Life is promising to also include Maui and Oahu real estate listings some time this months.

Hawaii Life provides a unique way for a potential buyer to find their home in Hawaii Real Estate Market. In the snapshot below you can see that after performing your search for the properties, hovering with the cursor over the property picture will match the location of the property on integrated Google map an vice versa, if you point your cursor to a property on the map it will match with the picture of the property on the right of your screen:

With just one click you can save the properties you are interested in for a later review or even if you need to find out more information about properties, send a request to Hawaii Life:

Named by the Illinois Realtor Magazine a Prower Tool and by the Realtor Magazine as “Cool Tool”, House4Cell offers unique and revolutionary opportunity for real estate agents to deliver instant information on their listings, while capturing lead information.

The new tool is designed to provide prospective buyers with information about listings via “text messages”, a capability found on most cell phones. All that a prospective buyer needs to do is to send a 1-word code to a special number. Within seconds a text message is send to the buyers cell phone with property description along with several photos of the property, while the homebuyer’s number is captured and sent immediately to the agent for follow up.

At the present time the website offers following plans to real estate agents:

1. $29.99/month- this plan allows to send up to 3 listings at one time and offers 10 additional free inquiries.
2. $39.99/month- this plan allows to send up to 6 listings at one time and offers 20 additional free inquiries.
3. $49.99/month- this plan allows to send up to 10 listings at one time and offers 30 addition free inquiries.

Each additional inquiry, beyond what is included in a plan are just 20 cents. A one time charges $10 per code applies to all new orders.

The cost effectiveness of this tool speaks for itself. With the lowest plan, a real estate agent will pay $8 per one property delivered to a potential buyer which in turn can generate a valuable lead!

Homes4Cell was developed as a result of branching out of Cellit Mobile Marketing- a leading provider of mobile marketing solutions.

First Home Tour announced the launch of e new virtual tour platform. According to the press release announcing the launch of this new platform, the site will offer Realtors® a simplified and cost effective way to create, upload, and showcase available properties. One of the highlights of the website is that each virtual tool can be instantly uploaded to your local MLS, Realtor.com, Google.com, Trulia.com and many other sites at no additional cost.

Following are some of the advantages of First Home Tour compared to other virtual home tour companies:

• Unlimited amount of tours

• Add up to 40 pictures

• Instant creation of an image gallery from your virtual tour so users have multiple ways of viewing your listing’s images!

• Choose your own background music

• Choose how long each image is displayed

• Create Introductions and Conclusions that can be reused for any tour

• Add Titles and Descriptions to your tour

• Copyright your own images with a watermark so other’s cannot reuse your pictures

• Brand your virtual tour into your own website so clients see your contact information!

• 24 Hour technical Support via Email

About First Home Tour:

First Home Tour is a subsidiary of Blue Stream Server, who has been providing valuable solutions in the Real Estate market for many years. Comprised of a team of Realtors and Programmers, First Home Tour dove into this project head first with the leadership from their President, James Goodale. The First Home Tour technical team will work directly with you to ensure the highest quality web experience possible.