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Nick Statman- Raising Finance to Invest in Buy-to-Let

Buy to let investment

Property Expert Nick Statman on Invest in Buy-to-Let: Once you’ve decided you want to jump into the buy to let investment strategy, it’s time to start finding ways to finance it. Raising capital for an investment can be one of the most challenging and time-consuming parts of an investment project, and buy-to-let properties often require more than just the cost of the home. You also have to consider the purchasing fees and the costs associated with upgrading and refurbishing a home before you can start accepting tenants and making income.

Seasoned investors will tell you that there are many ways to raise capital for a buy to let property, and implementing one or two of them at a time can help you raise the necessary funds quickly. 

Save Up

The first way to raise enough capital for a buy to let property is the old-fashioned way: save it up. This method requires time, discipline, and patience, but in the end, it allows you to pay for an investment property without paying interest. The buy to let industry is fast-moving, so waiting to save enough capital for a property may not be realistic for all investors. While you’re saving, you can implement some of these other financing options to help you achieve your dreams of investing in buy-to-let properties sooner. 


The next option is to take out a mortgage or a property loan. This is a common way to borrow money to use toward a property investment. When you refurbished the home and it is ready for tenants, the monthly rental will go towards paying off the mortgage. The monthly rent should follow the 1% rule: the monthly rent should be at least 1% of the total purchase price of the home. The higher this percentage, the faster you can pay off your loan. Check with your bank about loans targeted especially to property investors. 


For investors who want to think outside of the box, crowdfunding can be an option. By listing your project and financial needs on a crowdfunding platform, you can attract the attention of interested investors. These investors can contribute money to the cause in exchange for a portion of the ownership (and profits) of the investment. 

Some of the benefits of raising capital for your buy to let using a crowdfunding platform include 

  • The ability to diversify their financing strategies
  • Low investment minimums
  • High dividends 

Private Loans

Another way to generate capital for a buy-to-let property is to take out a private loan. This could be a personal loan from a friend or family member (be careful about mixing family and finances!) or through a private lender or business partner. Regardless of who you borrow from, keep in mind that they will expect the loan to be completed, paid back promptly, and often with interest. 

To find a private lender, many investors start their search using the circle method. The circle method breaks your private lender search down into your primary circle, your secondary circle, and your third circle. Your primary circle includes your family and friends and is usually the first place to start when looking for a private loan. These loans tend to be easier to obtain because the investor knows you, and there is (usually) very little competition for these kinds of loans. The downside to these loans is that mixing friends, family, and finances can put a strain on personal relationships. 

The secondary circle is the friends, colleagues, and investors of your primary circle. This group, because they don’t know you personally and may not be as invested in the project, is usually slower to say yes to a personal loan. 

The third circle includes people who are removed from your personal circle. They are investors and people who you don’t know, so it takes a lot of work and time to get connected. However, this circle is where the big money is. If you can connect with these people and pitch your project right, you increase your chances of getting the financing you need. 

Home Equity

Many seasoned investors with more than one property use the equity in one home to finance the mortgage for their next home. This starts a chain reaction, allowing investors to buy property, collect monthly rents from multiple tenants, and continue the cycle. You can also tap into your home equity line of credit and use the funds to refurbish or upgrade an existing rental property to appeal to a higher-paying demographic of renters. 

The Takeaway

There are many benefits to adding buy-to-let properties to your investment portfolio. This strategy allows investors to generate multiple, steady streams of income. Not only can you earn money through renters, but also through capital growth. Buy-to-let properties are great for new investors because they are tangible assets that can be monitored as you learn the ropes of property investing. Raising capital for it can be a challenge, but knowing your options can help you make informed and confident financial decisions. Want to know more? Let’s connect. 

Nick Statman- 5 Ways Property Investors Determine Repair Costs

Property Repair Cost UK

Property Expert Nick Statman on Ways Property Investors Determine Repair Costs-

As a property investor, you spend a lot of time crunching numbers. Your success depends on how you balance income and expenses and finding a way to maximize value while minimizing cost. If you’re like many property investors, every decision you make regarding your property is based on how it will impact your ROI. 

Repair costs, renovations, and upgrades are responsible for a significant percentage of the money you spend on an investment property. The better you can be about predicting repair costs and preparing for them, the easier it will be to maximize financial gains. 

Here are 5 steps to determining repair and renovation costs so you can budget your next property investment effectively:

Make A List

The first step in determining how much it’s going to cost to repair and renovate a home is to take inventory of what needs to be done. Do a thorough walkthrough (preferably with a professional contractor) and write down repairs that need to be addressed, room by room. Once you have a clear idea of what needs to be done, you can start to organize the repairs and renovations into categories.

You can break these repairs down in order of cost, importance, or how long they will take to complete. You’ll also be able to identify which projects require a professional and which projects you can do on your own. 

Decide: DIY or Hire A Pro

One of the ways to save money on renovations is deciding which repairs, if any, you can do yourself. You may be able to do simple jobs like removing wallpaper, painting a small bathroom, or fixing holes in the wall by yourself. How much you can do on your own depends on your personal experience with DIY projects, and how much time (and desire) you have to complete these repairs. Keep in mind, while doing a complex home repair could save you money, it could also cost you in the long run if something goes wrong and you have to hire a professional to come to fix the damage.

Once you’ve decided which jobs you feel confident you can do on your own, it is time to break down the other projects down to get an accurate estimate for the cost. For the repairs that require a specialized contractor, call around and get a few quotes. This will help you determine the going rate for the specific repair you’re looking for and find the best rate. 

Calculate Labor and Material Costs 

The cost of a major home repair will depend largely on the amount of work it takes to complete and the materials you use. You can save money on some home repairs by buying the materials yourself and hiring a professional to do the work for you. It is also important to remember that many complex home repairs and renovations can be a hybrid process of DIY and professional services. 

For example, you could buy unfinished wood cabinets and apply the finish yourself, and then hire a pro to install them. Finding ways to combine your DIY skills and the expertise of a contractor can help reduce expenses. As you are putting together a home repair budget, don’t be afraid to find creative ways to negotiate the price for labor and materials. 

Use the 1% Rule

Investors like algorithms, equations, and formulas. They like the idea of plugging numbers into a calculator and getting a concrete result.  And while this doesn’t work with all aspects of property investing, there are some ways to calculate the estimated cost of the repair. This is where the 1% rule comes in. This common practice in property investing involves setting aside 1% of the purchase price of the home for ongoing repairs. While this rule isn’t set in stone (since the home’s current condition and fluctuating market values can impact home prices) it can be a good place to start to set aside money for repair and home maintenance costs. 

Budget For Surprises

One of the biggest mistakes that property investors make is underestimating the cost of repairs. They calculate the costs of the major home renovations that they know the home needs, but they don’t leave any room in the budget for a busted pipe, a broken water heater, or unexpected roof damage. These things can (and will) pop up, and having money set aside to take care of them will make the whole experience a lot less stressful. 

The Takeaway

Home repairs are a signficant part of the property investment process. UK property owners can expect to pay £700 per year in minor repairs and renovations, and up to £20,000 for major repairs in a standard three-bedroom home. Being prepared for this can help you stick to a budget, improve the value of the home, and keep you on track to ma

Nick Statman- The Complete Guide To Building A Property Portfolio.

Property Portfolio Management

Property Expert Nick Statman on Building A Property Portfolio.

In the investment world, everyone talks about their portfolio. A property portfolio is a breakdown of all of your property investments. It is a way to describe how many property investments you have and what kind of investments they are. Your portfolio serves as a reflection on your investment history, your finances, and your buying, selling, and management strategies.

One of the main reasons investors work to build a portfolio is because it helps them maximize their ROI. A diverse portfolio minimizes risk and allows you to generate income from multiple sources and reduces volatility. . 

So how do you get started? How do you move from one investment to a vibrant and diversified portfolio that generates return?

The snowball method

The snowball method can be used any time you’re trying to tackle a big project in small, consecutive steps. Some people use the snowball method to get out of debt. They pay off a small debt and use that money to work on paying off their next smallest debt. This is a helpful strategy when building a property portfolio as well. 

If your first investment property brings in £700 a month, you will generate £8,400 annually. If you want to buy a second property that requires a £25,000 down payment, it will take you roughly four years to cash flow the deposit. 

If that second property also brings in £700, you’ll now be making £16,800 annually and will only take you two years to cash flow the deposit for your third property. 

As you continue this pattern, you will be able to afford to buy more properties in a shorter amount of time. This method prevents you from falling deep into debt, but requires patience and self-discipline. 

The BRRRR method

BRRRR stands for Buy, Refurb, Rent, Refinance, and Repeat. This strategy involves buying low-cost properties that need renovations. Once you renovate it and rent it out, you use the rental income to pay down the mortgage, earn a profit and build equity in the home. Then, you refinance the property to get access to capital and use that to buy your next property. As you repeat this pattern, you can begin to purchase multiple properties (or a different kind of property, like multi-family apartments or retail space) and diversify your portfolio as you build it. 

How To Diversify As You Build

Once you have a few residential properties in your growing portfolio and you feel confident in your strategy, it will be time to change things up a bit. This means diversifying so you can reduce risk and increase your ROI. Some of the most common ways to diversify your portfolio include:

  • Investing in different locations. The beautiful thing about investing in property is that you are not limited to the location in which you live. If your first few investments are in the same city, branch out to surrounding areas that are known for having a profitable housing market.
  • Investing in different asset classes. Diversification means slowly expanding the types of properties you invest in. Many investors start with single family homes and then invest in different asset classes, like multi-family apartments. 
  • Investing in REITS. A REIT is a real estate investment trust that allows investors to pool money with others and work together to collectively purchase large investments (like shopping malls or warehouses) that they may not have been able to afford on their own. They split the cost of the investment and split the profits. 

The Takeaway

Some investors spend their entire careers slowly building and diversifying their portfolios. Others work quickly to accumulate properties and develop an impressive property portfolio. Whatever your strategy; understanding the property market, building a solid team, and focusing on slow but steady diversification will help you reach next level success. 

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Nicholas “Nick” Statman- 4 Exterior Upgrades To Make To Improve Your Property Value

Home Exterior Improvement

Property Expert Nicholas “Nick” Statman on Home Upgrades.

Every experienced investor knows that the key to maximizing your ROI is making cost-effective repairs and upgrades that add value to the property without jeopardizing profits. While interior updates like kitchen remodels can add value to a property, it’s important to invest in the exterior as well. 

Here’s a quick guide to investing in the exterior to improve the value of your property: 

Enhance The Side and Front Garden

The front and side garden are often the first features of a property that a potential buyer will notice. Take a weekend or two to tidy up the front garden, plant fresh, colourful flowers, and mow the lawn. Cover bare spots in the yard with new sod, and make sure your irrigation systems are working correctly. A little bit of work and some upgrades to your garden can dramatically change the look and feel of your property.

Upgrade The Back Garden

More and more home buyers and tenants are looking for a home that allows them to enjoy their outdoor spaces more comfortably. Homes with back patios, shaded outdoor terraces, and outdoor entertainment spaces typically generate higher monthly rent than homes without. Consider putting a fence around the back garden to maximize privacy, or set up a seating area on a stone, wood, or concrete patio. If you’re going to be doing some work on the front and side garden, save some flowers and annual plants for the back as well. If you’re short on space, consider setting up a simple, outdoor seating area. If you can blur the lines between indoor and outdoor living, you immediately improve the value of the home. 

Fresh Coat of Paint 

One of the best things you can do to boost curb appeal and improve the value of your home is repainting the exterior. A fresh, bright coat of paint does wonders, and this is something that tenants notice right away. While you want your home to make a statement, be careful about the colors that you choose. Choosing a wild color that stands out significantly from the houses around it may decrease your home’s value instead of improving upon it. 

Another way to add a little bit of colour to your home and boost the look of the exterior is to choose a colourful statement piece. Consider a bright red door against a grey house, or put two yellow rocking chairs on the front porch. A tiny splash of color can go a long way and can add an element of fun and personality to a traditional home. 

Stay On Top Of Regular Home Maintenance

A fresh coat of paint or a freshly mowed yard won’t be of much help if the actual structure of your home is failing. It is crucial that you perform regular home maintenance on the exterior of your home to keep it in peak condition. This means replacing sagging gutters, updating doors and windows, replacing cracked siding, and addressing cracks in the concrete. A new roof can be a costly investment, but if you have an old or outdated roof, buyer’s or potential tenants are going to notice. They’ll either expect you to fix this before they move in or expect to see a reduction in the price. Save yourself some time, and if your roof needs to be repaired or replaced, do it now. 

The Takeaway

Not every upgrade and renovation you make to your home will add significant value to the house. It doesn’t make sense to spend money on upgrades if they’re not going to help you maximize your ROI or bring in a higher rental yield. This applies to both upgrades inside the home and outside. Maintaining the lawn, applying a fresh coat of paint, adding a splash of colour here and there, and staying on top of routine home maintenance will help improve the look of your home and increase its value at the same time. 

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Nicholas Statman- Which property types offer the best return on investment?

Nick Statman ROI

Property Expert Nicholas “Nick” Statman on Property Investment ROI:

It’s no secret that investing in property can be a profitable strategy. But deciding to invest in property is only the beginning. One of the biggest decisions you will make as an investor is deciding what type of property will generate the highest return on your investment. You could invest in vacant land, or single-family homes or commercial buildings. You could specialize in strictly residential property, or branch out and invest in retail space or industrial space. 

If you aren’t sure which type of property to start with, consider these four types of property and how they can impact your ROI:


Investing in residential property is commonly the first step that new investors make when developing their portfolio. This typically looks like purchasing a single-family home or flat, fixing it up, and renting it out to tenants. Buying a home that needs a little bit of work allows you to purchase a home for under market value, make the necessary renovations to increase the home’s value, and then either sell it for a profit or rent it out to generate a monthly income. 

Many investors aim for a rental yield of 7%, but with a great location, an upgraded property, and a steady and stable economy, investors can see closer to 10%. The average return on investment for residential property is anywhere between 1% and 4%. 


Industrial property generates higher yields because there is more space available to be rented. More space means more tenants, and more tenants mean higher rental income. When dealing with industrial property, you’re also working with net leases and more extended lease agreements. These properties often see lower turnover rates than residential properties, and tenants typically take more responsibility for the upkeep of the space, which means less work for the landlord. Investing in industrial space requires more capital upfront, and can be more expensive to maintain in terms of repairs and regular maintenance. 


While commercial buildings typically cost more upfront then a residential investment, commercial properties usually see an annual return of anywhere between 6% and 12% of the purchase price, depending on where you buy. This type of investment is an excellent choice for landlords and investors who want to take a more hands-off approach to their investment. Tenants in commercial properties tend to take responsibility for maintenance and repairs of their space and are intentional about the upkeep of the building. This means less work for the landlord and fewer maintenance-related costs. 

Commercial properties have the most significant potential for higher cash flow, see lower vacancy rates, and typically deal with longer, more stable lease periods. 


A mixed-use property is typically a property that has commercial space on the ground floor, such as a retail shop or a restaurant, and then an area for residential living space on top. Since the building is classified as commercial, the stamp duty is lower, but it also means it can’t be purchased with a traditional buy-to-let mortgage. The price for a mixed use property depends on the location, for instance you can find a traditional mixed use property for £300,000 in London and £150,000 in Aberdeen. Returns vary based on the type of establishment taking up space in the commercial area of the building, the average rental rates and the number of tenants that occupy the residential portion of the building. 

The best type of property investment depends on your specific goals. If you want a more hands-off approach, you may want to invest in commercial or industrial property. If you are looking for something that doesn’t require a lot of capital upfront, a small residential property in need of minimal repairs might be the best place for your investment. Most investors start with residential properties and then diversify their portfolios with commercial or industrial properties to increase cash flow. 

Another post on “How to Calculate the ROI on a Rental Property

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Nick Statman- How To Identify The Perfect Buy-To-Let Property For You

Nick Statman on Buy to let property

Property Expert Nicholas “Nick” Statman on spotting profitable buy-to-let properties:

There is no secret formula or special checklist that can define the perfect buy-to-let property. The right property depends on your experience, your expertise, your budget, and your financial goals. While a three-bedroom flat in London might be the perfect investment property for you, someone else might need far less space or a completely different location. 

The perfect buy to let property for you will be based on these four things:

Tenant Profile

The right property for you will cater to the specific buyer that is most likely to rent in your area. For example, if your property is located near a University and in a neighbourhood popular with University students, you will want to find a property that is conducive to this type of tenant. This means looking for a multi-bedroom flat or single-family home that could accommodate roommates, has room for an office, or is close to public transportation. Check out other properties that cater to university students and compare your property with theirs in terms of monthly rental rates and amenities. If the property you’re looking into doesn’t cater to the type of tenant that is most likely to be interested in the property, it may not be the right buy-to-let property for you. 

Rental Yield

Your rental yield is your annual rental income, as a percentage of the total value of the property.  To find the rental yield of a property you must first calculate the annual rental income for that property. Then you divide that number by the property value. Lastly, multiply that figure by 100 to get the percentage. For example, if your annual rental income was £12,000, and the property was valued at £200,000, your rental yield would be 6%. This could be considered average in some areas and low in others, just depending on where you purchase your property and the condition of the local property market. 

Potential To Add Value

There are two types of investors: One that looks for properties that need a lot of work, and one that looks for properties that need very little work. Choosing a property that requires minimal repairs means you’re ready to jump from buying to letting in a short amount of time. This also means you can start earning money faster. But homes that need considerable repairs also have the potential of increasing their value. Sometimes, just a small refurbishment (£3,000-£7 pounds) could dramatically increase the value of the home and your return. 

If you have the resources, expertise, and experience to complete the necessary repairs, a home that needs to be refurbished may be an opportunity to increase your return. If home repairs are not your specialty, the right buy-to-let property will require very minimal maintenance. 


It’s not an industry secret that location plays a significant role in how successful an investment property will be. The perfect buy-to-let property will be in an area that has both homeowners and long-term renters. It can be hard to determine how an area will grow in 5-10 years, but choosing an area that seems to be growing and evolving will usually work in your favor as an investor. Look for highly sought after cities and then broaden your search to areas just outside to neighbouring suburbs. You may be able to find affordable properties in an area that might be next in line for development. Of course, properties zoned for good schools and those in areas with low crime are usually popular with tenants and, therefore, smart investment options. 

There are a lot of benefits to investing in buy-to-let properties. They allow for long-term investment and growth, generate a significant income, and many of the costs associated with this type of property can be offset against taxes. 

There’s no way to define a perfect by to let property, but if the property aligns with your financial goals and looks like a profitable investment when all four of these features are considered,, then chances are it is the right property for you.

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Nick Statman- 3 Property Data Sources Every Investor Should Be Using

Nick Statman

Property Expert Nick Statman shares his insight on Property Data Sources for Investors.

Property investing is a game of numbers. There are so many facts, figures, and analytics to consider, and sometimes it can be overwhelming to understand it all. What makes it even more challenging is that there are so many different places to gather information, it can be hard to know which source is the most accurate. As we all know, just because it’s online doesn’t mean it’s true, which is why it’s so important to find a trustworthy source for property data. 

If you’re not sure where to get accurate and up-to-date information, consider these three reliable property data sources:

Property Data

Residential property investors, agents, and developers use Propertydata.co.uk for all of their market data and analytical needs. The website makes it easy to identify yourself as an investor, developer, or agent and customize the information and resources that you see based on your position in the industry. 

This website allows you to break property data down by the national level and the local level. With postcode tables, maps, and charts, you can visually see all of the essential data about a specific market. This dynamic website also gives agents and investors insights to yield hot spots, growth zones, and can even help break down costs for building new construction. The charts library lets you navigate hundreds of analytical charts based on house prices, market trends, and local economic data. These tools are helpful for investors who are looking for property data across the UK

If you are looking for more local data, the user-friendly search option lets you search for property data based on local prices, local rent prices, volume, growth, and local yields. You can also filter your search by types of investment properties, including repossessed lots, properties at auction, short leases, and new builds. 

Other helpful tools this website has to offer include:

  • Property Valuations
  • Mortgage Finders
  • Stamp Duty calculators
  • Build cost calculators and 
  • Yield calculators 

Property Data offers three monthly plans for agents and investors:

The Basic Plan costs £12 a month and gives you 12 credits per month to use to access main search features such as local data searches and property valuations. With the Basic plan, you are allowed to save three local searches and three plots.

The Pro Plan is the most popular plan and is £20 a month. With this plan you get 60 credits to use, 12 saved local searches and 12 saved plots. The Property Data sourcing feature contains a curated list of select situation properties that are divided into 11 regions. With the Pro Plan, you have access to one region of your choice and can pay extra for access to other areas. 

The Max plan is £40 a month and gives you unlimited credits, unlimited local searches, unlimited plots, and access to all of the sourcing regions. You also can access the postcode table, download your results to PDF, and can add additional users for £15 a month. A free trial is available for each plan. 

With Property Data, there are no limits during the 14-day free trial, and all plans have unrestricted access to local data throughout the UK. 

HM Land Registry

HM Land Registry is part of the UK government site that provides no-frills information about local and national property data. This easy to use website allows users to search home prices, title deeds, and search for property ownership information. This site hosts a variety of property data resources, such as introductory guides to registering land, updating property records, and joint property ownership. 

It also has an entire section devoted to the breakdown of any fees associated with property investing Scale 1 and Scale 2 fees, application fees, and detailed information about how and when to pay these fees. 

The easy-to-use search features allow you to look up information in England or Wales, even if you don’t own it. You can use the address search feature to find the owner of a particular property, or look into it’s flood risk and see visuals of its perimeter and property lines. You will need an email address and a debit/credit card to perform basic searches. A basic search will tell you:

  • The name of the current owner and the address of the property
  • The price that was paid for the property. This information will not be available if they purchase the property before April of 2000, paid less than £100 for it, or if the HM land registry has agreed not to record the price
  • The name of the lender for the property if there is a current mortgage being paid on the property

This basic search will cost you £3 inc VAT. The website’s “Find a property service” allows you to find and download “Copies of title registers, title plans and Flood Risk Indicator results for more than 20 million registered properties in England and Wales.” The cost for each of these searches is:

  • £3 for a title register copy (details of a property)
  • £3 for each title plan (plan of a property)
  • £9.00 (excluding VAT) for each Flood Risk Indicator result


Rightmove is one of the UK’s most popular property buying, selling, and investing websites. It allows you to search property prices and market trends easily and pull up price comparison reports. Enter any information you have about a city or neighbourhood and instantly see current homes for sale and their most recent list prices. If you want information about a particular property, simply enter the address and Rightmove will give you all relevant data concerning the property.

By creating a Rightmove account, you can save your searches, create instant property alerts, and create/save your own search areas. Access to property data on Rightmove is always free.

A smart and successful investment starts with having all the right information on hand. There is a lot of information out there on the internet, so you have to be very selective. These sources have earned a reputation for providing current and accurate information about properties all across the UK and can be a helpful resource when buying or selling UK property. 

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Who’s On Your Team? 6 Key Players You Need For Success


For many agents and investors, the draw to buying and selling property is the ability to make your own schedule, be your own boss, and have more freedom and flexibility in the way you conduct business. But it’s not a job you can do on your own. Successful agents understand that building an experienced and professional team is the key to success. This means working with professionals across a wide range of industries to help you serve your clients better.

Here are the six people you need on your team to reach next level success: 


First-time buyers will look to you for referrals when it comes to inspection time, and having 2-3 professionals that you trust on hand can help speed up the process. If you’re looking to add an inspector to your list of contacts, there are a few qualities you should be looking for. An effective inspector will be:

  • An expert communicator
  • Consistent 
  • Timely 
  • Detail-oriented
  • Friendly
  • Experienced

Knowing who to call when it’s time for the inspection (and that you can trust them to work with integrity) is a vital step in building an effective team. 


Another key player to have in your network is a solicitor who specializes in the property industry. A solicitor will draft official documentation, review the title, and ensure property taxes are up to date. If you’re on the search for a reputable solicitor to help you and your clients navigate all of the details and documentation for a property sale, look for these key characteristics.

  • Expert drafting skills
  • Through understanding of property law
  • Meticulous
  • Detail-oriented
  • Effective client management

Mortgage Lenders

First-time homeowners will turn to their property agent for help when it comes to financing the purchase of a home. They may not know who to go to or what information they need to start the loan process. Their circumstances may make it difficult for them to be approved by a traditional lender. Having a list of mortgage lenders that you trust can not only increase your credibility with your clients but will also speed up the home buying process. Some qualities to look for in a mortgage lender include: 

  • Local area knowledge
  • Experience in the industry
  • Honest rates/fees
  • Local servicing
  • Efficient communication
  • Direct and organized 

General Contractors

Sometimes, the sale of a house is contingent on a list of repairs requested by the buyer. When you have a list of plumbers, electricians, landscape designers, architects, and general contractors handy, you can have issues repaired quickly and help the sale move along faster. 

Marketing Professionals

Another key player every top-performing agent has on their team is a marketing professional. While some agents like to do a significant amount of the marketing on their own, others choose to outsource all or some of the work to others. This could look like working closely with a professional property photographer, a blogger, a website designer, or a team that specializes in 3D virtual tours. Effective marketing is key in reaching success in the industry, and knowing the right people make all the difference. 

Insurance Agents

Insurance may not be the most glamorous part of buying property, but it’s arguably one of the most important. Homebuyers and sellers will have questions about property insurance, and if you don’t have the answers it is important to direct them to the people that do. Successful insurance agents are personable and knowledgeable problem solvers. Their expertise will help your clients protect themselves and their assets, which is a major concern when making such a big purchase. Seek out insurance agents that know the local area and are known for efficient claim management. 

The Takeaway

Most property agents have an entrepreneurial mindset and are excited about the opportunity to work for themselves. But working for yourself doesn’t mean working by yourself. When you surround yourself with experts across different industries, you can offer more comprehensive services to your clients.
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Check Out These Excellent Source Of Information About Employment


Employment is an important part of every person’s life. If you’re going to be successful at finding a job, you need to know everything you can about employment. This article is designed to teach you all the ins and outs of landing a good job.

Word of mouth is a good way to find a job. These people might know someone who is looking for a person with your qualifications. Often job seekers skip this step; however, that’s not a good idea. A great recommendation can get your foot in the door.

Don’t slack off on your current job just because you are searching for a new one. Not doing your absolute best can cause you to have a bad reputation. Potential employers will probably find out about your attitude when they contact your current employers. Always do your best on the job in order to achieve success in your career in companies like Cafelavista.

Try to get along with your coworkers, even though it can be difficult. Being know as a team player, someone who can work well with others, is a valuable trait. Building a reputation for being easy to work with can lead to better opportunities.

Many jobs go by different titles, so search by the requirements, not job title. Use the Internet to locate related job titles. By doing this, you’ll be able to find more job possibilities.

Keep in mind that the resume is just one aspect that is considered. Update your resume before you begin a job search and only include information that is correct and current. The resume alone will not decide your status. Employers are looking for dedicated, enthusiastic individuals that can take their business in new directions. Also, emphasize the different things that you can bring to the company.

When you apply for jobs, don’t just focus on one job. Until you have a job, do not stop looking. Keep all options open at all times. You increase your odds of finding a job by applying at as many jobs as possible.

If you need to hire someone, be patient. Whether a person quit, you fired someone, or if you have a lot of new work that arrived, be patient and wait for a proper fit. If you do not make careful hiring decisions, you may regret your decisions and find it hard to remove an undesirable employee.

Put your social media presence on your resume. This is very important, as you can leverage off of this to get a job.

Keep in mind that profit is the bottom line for employers. How can you word your resume or speak in an interview to tell them you’ll make them money? While it is great that you are a responsible, honest individual, companies want more than that.

Learn about the company before you head into an interview. Look at the website, and find out if they have profiles in Twitter, LinkedIn, or Facebook. Find out the basic facts about them. You will stand out from other candidates and appear sincere.

Send your resume to any company that you would like to be employed at. After about a month, contact them to see if they have any vacancies. You can even show up at the location yourself. Going this extra step makes it apparent that you are diligent and interested in the company. If a position opens up, it is possible that you will be contacted before the listing is posted.

Always be prepared to produce a letter of reference. A lot of people simply say that they have references available, but a smarter idea is to have reference letters right there with you. If you do this, your interviewer can read right away about your great contributions and will not have to chase down your references.

When you begin your job search, you will soon have prospective employers calling you. Watch how you answer the phone. This will make the appropriate first impression on your prospective employer; even though, you will just be talking to the interview scheduler.

Be honest on your resume regarding everything. If you are not pleased with something that happened in your past work history, just don’t discuss it on the resume. You never know if the potential employer could somehow find out the truth.

When you are in an interview, don’t respond to a question with a question. Speak confidently and stay positive since there are no right answers to their questions. A bit of research goes a long way. This will allow you to appear very knowledgeable on your interview.

Constantly update your resume. Before distributing it, check for spelling and grammar errors. Verify that all contact information and details are current. You need to add anything that has happened and take away anything that is irrelevant. A current and accurate resume is much more likely to land you the right job.

Learn about the responsibilities of the other divisions in your company. Each department may requires different skills than those needed to perform the specific tasks you do each day. Taking the time to learn about how the big picture fits together at your job will help you be a better worker. Ask questions of all of those that you work with. Learn about others’ careers so you can improve.

Prior to any interview, research the persion and company you are meeting. Demonstrating some personal initiative to learn more about the company can be very impressive to an interviewer. This provides you with a solid edge. You will then likely get the particular job instead of another candidate.

You may find that accepting a job part time with the company you really want to work for full time will be the perfect step to getting a permanent job there. Many firms, such as courier companies and even food processing plants, are only hiring part-time to save money. When full-time positions become available, these companies usually consider part-time workers first.

As mentioned earlier, employment is an extremely complicated subject. If you want success in life, you have to have a good job. Pulling insight from all available sources — including this article — improves your understanding of what it takes to succeed. If you are willing to work toward your goals, not even an economic recession can stand in your way.

Is A Short Sale Right For Me?


If you are wondering if a property short sale is right for you, you should know that it is a very individualized and personal topic. However, there are some circumstances and factors that are commonly applied to property sellers in short sale proceedings.

If you are behind in your mortgage payment and cannot keep up with all your monthly obligations, due to a sudden change in the monthly income to support your home, job loss, job transfer, health problems , or divorce, a short sale may be a good outlet for you. A short sale allows you to sell your property to your lender for less than you owe on the loan, but if approved, in most cases the sale satisfies all of the debt.

Also, if you are not yet behind on your monthly mortgage payments, but you know that circumstances will prevent you from staying current in the near future, a short sale might be able to solve your situation. You must, of course, consider the effects a short sale can have on your credit score in deciding whether a short sale is a good fit for you and your property.

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