Buying and/or investing in real estate whether for residential, commercial or industrial purposes can be such a great moment when one has the capacity or the money to do it. It is such an exciting moment for most people that they get highly carried away by the prospect of owning their own piece of real property and end up negligently overlooking the basics of real property analysis in the process.

So, Why Take Your Time To Critically and Carefully Analyze a Piece of Real Property Before You Cash In?

Well, the answer is obvious: to make sure that the property you are considering to buy or invest in is a perfect one and that it doesn't have any problems or encumbrances of any kind whatsoever. And also to make sure that the property isn't overly priced but priced within the market average price range.

Therefore, what are the governing focal points when it comes to critical and careful real property analysis that can help anyone make a quick, proper and informed decision regarding one's choice of buying and/or investing in a piece of real property without any regrets whatsoever afterwards?

Well, here they are:

Location is another important governing focal point to be seriously taken into account when choosing a piece of real property to buy or invest in. If anything, this is one of the most important governing focal points in helping an investor reach a quick and prompt decision. Why? Because real estate investing is all about good location, good location, good location, good location, good location!

The neighborhood in which a piece of real property is located in should be very, very appealing, with very easy access to all the amenities such as schools, hospitals, good roads, shopping malls, work places, bus stations, banks, etc.

However, if the location of the property is a very busy business intersection with a lot of people, traffic, bars and a highly noisy environment, then this may not be an ideal place for residential purposes. Such a place would be ideal for commercial or industrial purposes. What therefore may be an ideal location for a certain line of real estate investment such as dense population, high traffic etc., may turn out to be a nuisance of a location for other types of real property investments? It all therefore depends on what kind of investment property you wish to buy or invest in. Is it for commercial / industrial purposes or for residential purposes only? Or is it for other kindred real property investment purposes such as a filling station, lodge, hotel, fee paying public car park, colleges or universities, private hospitals, etc. The purpose of the investment will determine the location of property! 

Otherwise, a Good and Promising Location is the hallmark of wise real estate investing!

Another important governing focal point of property analysis is the condition of the property. Does the property in question have any structural problems such as severe cracks that will make it highly expensive to work on in order to increase its value? And when we talk about the condition of the property, we are simply talking about three general aspects namely: (a) is it a newly constructed property? (b) Is it a renovated and/or refurbished property and last but not the least, (c) is it a distressed and/or neglected property which if worked on could turn out to be a perfect and excellent property which the current owner doesn’t realize? Each of these three general aspects or conditions of property can further be discussed in greater detail but space cannot allow here. May be this is a topic of another blog article. 

Price is always and will always be a critical governing focal point when it comes to buying or investing in real property. However, the best way to gauge how much a piece of real property is worth exactly is not how much it has been priced at currently but to look at other similar properties and see how much they recently sold for in the past say six (6) months or so. Therefore, price is always and will always be a determining factor when it comes to analyzing real properties to buy or invest in.

Another real property analysis factor closely related to price is what is known as the “Rent-To-Value Ratio”. The Rent-To-Value ratio provides a quick, cost effective and no brainer way of assessing an investment property's income potential - whether residential, commercial or industrial property before you do any further research and/or due diligence on it?

Moreover, the Rent-to-Value (R/V) ratio also provides an excellent and/or quick measure / way of assessing a particular income generating property's cash-flow and/or income potential regardless of the property's location. The Rent-to-Value ratio is similar to the Price-to-Earnings (P/E) ratio used on the stock market to help determine whether some common company stock such as shares of a particular company are overly priced or underly priced before an investor decides to invest in such a company's stock. My honest opinion is that an R/V ratio of say between 0.7% and 0.8% should be the barest minimum with an ideal number closer to 1.0%. Obviously, the higher the percentage rate of the Rent-to-Value Ratio, the better for you as an investor!

SO, HOW DO YOU CALCULATE THE RENT-TO-VALUE RATIO?

Simple. The R/V ratio is calculated by dividing the gross monthly rental income into the current open market value of the particular income generating property.

For instance, an income generating property that's worth say K1 Million (approximately $100,000) today and rents for say K10, 000 (approximately $1000) per month, would have an R/V ratio of 1.0%. This percentage number obviously represents a very good cash-flow / income potential of such a property. And if you are considering out-rightly buying or investing in such an income property, then this will be a very good investment regardless of its location!

Therefore, using the R/V ratio helps you to quickly assess or evaluate every single income generating property you are currently looking at or are currently considering investing in before you do any further research and/or due diligence on it. It is actually one of the many real estate investment "rules of thumb" to quickly screen or assess good and potential income generating investment properties.

So, the next time you go out looking for an investment property you wish to out-rightly purchase, why not use and apply this tool to quickly help you assess whether a particular income generating property is worth considering or not before you do anything else!

The population of the community where the property is located is also another governing focal point of analyzing properties listed for sale. Will you or will your future tenants be comfortable living in such a neighborhood once you've bought and/or invested in such a piece of property? The population of the community where you wish to buy or invest in may or may not be a positive factor. It all depends on what kind of investment property you wish to buy or invest in. Is it for commercial / industrial purposes or for residential purposes only? If the location of the property is a very busy business intersection with a lot of people, traffic, bars and a highly noisy environment, then this may not be an ideal place for residential purposes. Such a place would be ideal for commercial or industrial purposes. What therefore may be an ideal location for a certain line of real estate investment such as dense population, high traffic etc., may turn out to be a nuisance of a location for other types of real property investments?

So, do your homework properly when it comes to this factor of real property analysis!

This last but not the least governing focal point of real property analysis is all about assessing and finding out what financial requirements the seller is comfortable with so that you can know how to fund the who deal.

Questions such as, "How does the seller want me to finance the deal?" Does he want ready cash? Or maybe he is willing to accept a reasonable down payment and then carry-back the remaining equity? Is he flexible enough to allow you to fund the whole deal and purchase price using a bank mortgage? Can he allow you to buy his piece of real property using what is known in real estate circles as "OPTIONS"? [Don't know what "OPTIONS" are? Then get to know about them by clicking HERE for FREE].

And in conclusion, ALL of the above governing focal points of critical and careful real property analysis (and many others not listed) are IMPORTANT and may have a bearing on one's Decision Making Process when it comes to Selecting a certain Piece of Real Property BUT Only FIVE (5) are VERY, VERY IMPORTANT and These are:

1. Location of the Property

2. Condition of the Property i.e. is it a New Construction, Renovated or a Distressed Property,

3. Price

4. Flexibility of the Seller

5. Financing Required

Therefore, if you can hastily zero in on these five (5) very, very important governing focal points and make a decision about each one of them, then you can put together a fairly objective profile of the target property you’re interested in, in the form of an aggregate score that will eventually enable you to make a prompt decision regarding the property you’ve declared interest in! 

So, consider using this very approach of property analysis in your own real property investment endeavors. If for instance, a particular seller of real property is not flexible with his or her terms, conditions and/or selling price, then you may find it practically impossible to swing the deal in your favor according to your own plans and goals - no matter how favorable the other governing focal points might appear to you. On the other hand, if the seller finally turns out to be flexible with his terms, conditions and/or selling price but there is a high possibility that you’re going to end up with a terrible piece of real property in a bad location, then you need to stop in your tracks. Similarly, if every one of the most important governing focal points of property analysis stated above falls into place but you then discover that the seller needs an all upfront cash payment only right away, then this also becomes a serious challenge to you unless you decide to locate and incorporate a very wealthy real estate investment partner to help you out in such a deal or you happen to have plenty cash in your possession.

So, the above five (5) main governing focal points of property analysis form an interlocking grid of decision points that you can put together into a final score for a given property of your particular choice.

FINALLY, what if you happened to have a Tool ready to use at hand for each and every property – whether residential, commercial or industrial property - you were considering or currently looking at? And what if the scoring process was relatively so simple and fast for you to use? Would this not provide you with the ability to compare and contrast scores for distinct properties you’re interested in and thus reach a more objective determination of such properties thereby enabling you to settle for the right and best one?

Well, surprise, surprise, surprise, my dear real estate investor, I’m here to introduce you to a very powerful tool you can use in your own real estate property investment analysis endeavors. This tool is known as the “Property Selection Matrix Tool”. This tool is a very powerful way to help an investor keep score during the analysis phase. It enables you to come up with estimate figures that you add up and then get an aggregate score. This aggregate score eventually allows you to make an informed decision regarding the particular piece of real property you’re currently considering or looking at now. And if this aggregate score falls in a certain range, then it helps you decide right their and then whether to go for such a piece of real property or not.

So, “How Does This Property Selection Matrix Tool Work Exactly?”, You Might Ask.

Well, the way it works is this: You assign a potential of five (5) points for each of the five (5) main governing focal points earlier on mentioned above. Thus a perfect property selection score will be twenty -five (25) points.

Therefore, experience has shown that real properties scoring nineteen (19) points or less should very likely be passed over, while properties scoring twenty-two (22) points or higher should be seriously looked at and/or scrutinized with a more positive eye. Those scoring near perfect will deserve your closest attention and serious consideration.

And The Next Logical Question You Might Be Asking Is, “How Do I Apply This Property Selection Matrix Tool In My Own Real Estate Endeavors and/or Deals?”

Well, the best way to answer this question is to illustrate it with a real life example of a piece of real property listed for sale by a seller.

For instance, the sellers (husband and wife) of a single-family rental property are getting a divorce and need to liquid fast so they can share the money and go separate ways as quickly as possible because they cannot stand the negative pressure of being together anymore. The property needs a bit of structural work before it can be rented out to other people. The sellers need urgent cash because of their situation – at least a 10% down payment. However, the selling price is seriously discounted – perhaps 20% below the fair market price. The neighborhood in which the property is located is very appealing, with very easy access to all the amenities such as schools, hospitals, good roads, shopping malls, work places, bus stations, banks, etc.

Find the aggregate score for this property and assess whether it is a good bargain or not?

First and foremost, the main governing focal points of property analysis are: location of property, condition of property, asking selling price, flexibility of the seller and financing required. And we’ve been told that we assign a potential of five (5) points for each of the five (5) main governing focal points earlier on mentioned above. Thus a perfect property selection score will have twenty -five (25) points. And that experience has shown that real properties scoring nineteen (19) points or less should very likely be passed over, while properties scoring twenty-two (22) points or higher should be seriously looked at and/or scrutinized with a more positive eye. Those scoring near perfect will deserve our closest attention and serious consideration.

So, looking at the facts and scenario given in the example property above, starting in chronological order, the property is located in a very appealing area which is closer to social amenities such as schools, hospitals, shopping malls etc, so this scores a total of five (5) points. The next in line is the condition of the property. We are given in the example property that the property needs a bit of structural work before it can be rented out to other people. So, this is a minus when it comes to investing in such a piece of property and therefore the property gets three points (3) or so for this. Next is the selling price of the property. We are told further in the example property information above that the sellers need urgent cash because of their situation – at least a 10% down payment and also that the selling price is seriously discounted – perhaps 20% below the fair market price and this means that the price is very good for an investor and so this governing focal point gets a full five (5) points. The last but not the least of these five main governing focal points is flexibility of the sellers. We are told again in the example property information above that the sellers who happen to be husband and wife are getting divorced and need to liquid fast so they can share the money and go separate ways as quickly as possible because they cannot stand the negative pressure of being together anymore. This is a very good clue of seller flexibility as discussed in greater detail HERE regarding how to identify flexible sellers and take advantage of that information because such sellers badly need to liquid in order to go separate ways. And this therefore gets a full five (5) points for that. And the last main governing focal point of property analysis is the financing required by the seller. Information regarding how the sellers want the property to be financed is again provided in the example property above. The sellers want at least a 10% down payment for the time being and the remaining equity to be paid later on either through a bank mortgage or whatever means the buyer will be comfortable with as long as the buyer can guarantee full payment of the remaining amount within a previously agreed upon time-frame. This governing focal point therefore also gets a full five (5) points for that.

Now, when we add up all the figures assigned to each of these five (5) important governing focal points that is to say 5+3+5+5+5, we get a total of 23 points. And according to the “Property Selection Matrix Tool”, real properties scoring twenty-two (22) points or higher should be seriously looked at and/or scrutinized with a more positive eye while those scoring near perfect will deserve your closest attention and serious consideration. And this particular property seems to be a very good bargain. Why? Because it scored above 22 points and it must be seriously looked at and be considered for investment!

CONCLUSION

Analyzing real properties on sale using the above discussed governing focal points before you cash in will go a long way in saving you money and prevent you from experiencing uncalled for headaches in the long run as a real estate investor. Real property analysis governing focal points such as: time of year, location, price of the property including usage of the rent-to-value ratio, architectural design, condition of the property, number of bedrooms/office units/shops, flexibility of the seller, zoning, listed by estate agent/owner-seller, the population of the community where you wish to invest in, how long the property has been on sale on the market, how old the property is, the financing required by the seller and finally usage of the property selection matrix tool etc., all are important to help you as a real estate investor to make up a proper and informed buying or investment decision. Of all these, only five are crucially important, that is to say, condition of the property, location, price, flexibility of the seller and the financing required! However, this is not to say that the other real property analysis governing focal points are not important. No. No. They are all equally important. Only that the five supersede the others but all the listed governing focal points of real property analysis have their place in the real property investment analysis equation!  
 
So, wise up and apply these real property analysis governing focal points in your future real estate investment endeavors!

It’s therefore my prayer and hope that this blog article has been very, very educative and helpful to you indeed.

So, until next time, go well in your own real estate investment efforts!

And if You found this blog article highly enlightening and educative, why not share and recommend this post to the people You love and care about so much. They'll thank you for it.

Also, remember to drop your comments below. Both positive and negative comments are very much welcome!

NOTE: Looking for Real Property to Buy, Sell, Rent or simply Rent-Out to other people, then click on the highlighted words right in this very sentence for details!

David Kapalu is a Real Estate Investment Consultant who happens to be a duly Registered Member of the Zambian Institute of Estate Agents, an Internet Marketing Specialist, Motivational Speaker, Public Speaker, Life Coach and Trainer. He is also a 2nd Year Bachelor’s Degree Law Student studying with the Zambian Open University. He is someone who understands his subject so well and knows how to reduce complex matters into simple to understand matters.

Therefore, Call/Sms him right now on +260 955 168754 and contract him for one on one real estate investment advice! He also stands ready to be booked for speaking engagements as well as offer free and paid radio and television interviews with any individual or organization interested in him sharing his deep insight and understanding of real estate matters as well as offer legal advice pertaining to land rights and ownership in the Zambian market!
   
STILL Want to Know More about David Kapalu? Well, Then Click Right ->HERE for Details!

Are You a Landlord or Know Someone Who Happens to be a Landlord? Do You OWN or know Someone close to You who Owns ANY kind of Rental Property such as Residential and/or Commercial Real Property? Are You or are they COMMITTING ANY one or more of the following Nine (9) Dangerous and Costly Mistakes Landlords Make Unknowingly?

Well, find out for FREE today if at all you or them are committing any one of these landlord mistakes unknowingly and save yourself the potential dangers, troubles, costs and heart attacks associated with each one of them.

And even if you happen to be a seasoned and professional landlord, reading and reminding yourself of these dangerous and costly mistakes could save your bacon (rental profits) and prevent you from having many, many sleepless nights in the near future due to the fact that you may have unknowingly neglected to auto-correct one or more of these mistakes!

So, continue reading on and find out which one of these mistakes you may have been committing unknowingly and save yourself the potential dangers and troubles associated with each one of them as earlier on stated. Read below:

The popular Latin Maxims known in the Expert Field of Law are "Ignorantia Juris Non Excusat or Ignorantia Legis Neminem Excusat" which simply means in straight forward english language as "Ignorance Of The Law Does Not Excuse" or "Ignorance Of The Law Excuses No One" are basic legal principles holding that a Person who is Unaware of a law May Not escape liability for violating that law merely because he or she was unaware of its content.

Other Latin Maxims worthy noting here as well are "Nemo Censetur Ignorare Legem" (meaning: Nobody Is Thought To Be Ignorant Of The Law) or "Ignorantia Juris Nocet" ( meaning: Not Knowing The Law Is Harmful)!!!

However, as every brilliantly educated and learned legal brain out there knows, to every general rule of law, exceptions exist. But suffice it to say that it is highly important as a landlord to take deliberate and intentionally directed steps to educate oneself in such crucial matters before its too late so as to avoid experiencing the inherent potential dangers and costly consequences that come as a result of ignorance!

Therefore, if you happen to live or you're intending to come live and invest in real property in the Republic of Zambia whether for business purposes or simply for personal reasons, well, here are recommended pieces of the Relevant Law you need to educate yourself with to make sure you're on the safe side:

a) The Rent Act (Pertaining to the Leasing of Residential Properties) Chapter 206 of the Laws of Zambia;

b) The Landlord and Tenant Act (Pertaining to the Leasing of Business Premises) Chapter 193 of the Laws of Zambia;

c) The Urban and Regional Panning Act, No. 3 of 2015 of the Laws of Zambia;

d) The Lands (Perpetual Succession) Act Chapter 186 of the Laws of Zambia;

e) The Lands Acquisition Act Chapter 189 of the Laws of Zambia;

f) The Lands and Deeds Registry Act Chapter 185 of the Laws of Zambia;

g) The Common Leasehold Schemes Act Chapter 208 of the Laws of Zambia;

h) Part III of the Zambian Constitution Act, Chapter 1 of the Laws of Zambia, especially Articles 16 and 17 relating to the protection of Real Property Ownership;

i) The Zambia Development Agency Act, No. 11 of 2006 of the Laws of Zambia (This is a Must Know for Foreign Nationals and/or Foreign Entities);

j) The Property Transfer Tax (Amendment) Act of 2013;

l) The Lands Act Chapter 184 of the Laws of Zambia;

m) The Income Tax Act Chapter 323 of the Laws of Zambia referred to as 'The Principal Act' in the Income Tax (Amendment) Act of 2013 [Especially The Section Relating To The Payment of Withholding Tax As a Landlord As Well As Other Taxes Pertaining To Real Property Ownership In Zambia];

n) The Land Survey Act Chapter 188 of the Laws of Zambia;

o) Any other Relevant Branch of Private Law Making Relating To Real Property Ownership Such As Basic Contract Law as well as Tort Law on Occupier's Liabilities.

If you don't know where to locate these pieces of laws or legislation, then please simply get in touch with me and I should be able to advise you appropriately!!!

Every rental piece of real property one owns MUST ALWAYS be treated as a separate and independent business unit with its own profit and loss account as well as its own balance sheet!

WHY? Because renting properties to other people is a business. If you don't treat your rental properties as such, you might be incurring losses and yet not know about it. And even if you weren't incurring any losses whatsoever, its just plane smart to treat each and every one of your rental properties as separate and independent businesses.

This is one of the commonest, dangerous and costly mistake many amateur landlords and even some seemingly seasoned landlords commit unknowingly.

You see, before you even consider advertising your rental property, the very first and most critical thing you need to do is to make sure that you've cleaned up the property thoroughly well before showing it to your prospective and ideal tenants. Make sure the inside and the outside of the property looks neat including the surrounding yard. Why? Because no one ever wants to live in a dirty environment. Plane simple isn't it? But you'll be surprised to learn and know that its not as plane simple as it sounds to many amateur and even to many seemingly seasoned landlords!

Perhaps a great question to ask yourself as a landlord is "Would I rent and live in this place If I were a tenant myself? " If your answer is a definite no, then its time to do some work out on your piece of rental property before you advertise it and start showing it to prospective tenants.

At other times, if the property has been occupied for sometime by other tenants and the current tenants decide to leave for whatever reasons, then you might need to do some cosmetic and minor repair works on the property before advertising and/or showing it to new prospective tenants. This is so in order to increase the perceived value of the property.

These cosmetic and/or minor repair works might include adding a new coat of paint inside and outside the house. Replacing sockets and switches.  Putting some new tiles. Replacing worn out doors and door handles such as mortice locks etc.

But the general, common and costly mistake most amateur and some seemingly seasoned landlords make is to straight away advertise and start showing the property to prospective new tenants before they do anything to it. They do this in the hope and promising that when the new tenant pays the rental fees, they'll be able to work on the house. But as we know it today, most tenants have become very smart and intelligent these days due to the fact that they've learn't their lessons the hard way! Most of them are not easily willing to part away with their own hard earned money and risk giving it away to some landlord who in most cases might change his or her mind and divert the money to some other personal projects of his or hers.

Yes, I'm aware that there are some tenants that are easy and willing to accept this arrangement, but the majority of them do not subscribe to this type of agreement. And of those that do accept, they may be doing it just because they are desperate and sooner than later they may decide to leave if you do not do as you initially promised to do and take you back right to square one where you have to start all over again!

So What Are You Supposed To Do Then?

Well, use your own hard earned money and work on the house before you advertise and start showing it to your prospective new tenants.

Do not become stingy with your investment property. Spend that money and improve your property first and you'll be happy that you took and made that decision later on. Why? Because you'll end up attracting excellent tenants that will end up staying in your rental property for a very long time indeed and shall be highly happy to pay you your rental fees on time because the property looks good in their eyes!

But What If You Don't Have This Kind Of Money To Do These Kinds of Cosmetic and/or Repair Works?

Well, their is a Little Known Secret and/or Cost Effective Way or Strategy you can employ or apply right now gratis to help you do some cosmetic and/or repair works and thus improve the perceived value of your rental property in the eyes of your prospective new potential tenants!

If therefore you're interested in this very Little Known Secret and/or Cost Effective Way or Strategy, then get in touch with me and I should be able to disclose it to You FREELY!!!!!

And guess what? This Little Known Secret and/or Cost Effective Way or Strategy is NOT about getting a salary advance, compassionate loan or any form of soft loan whatsoever from the various financial and/or micro-finance lending institutions! No. It's NOT any of these options. This ONE is one of its own kind that you've NEVER heard or read about!

So, dear landlord and blog reader, to get to know about this very Little Known Secret and/or Cost Effective Way or Strategy, get in touch with me and I'll gladly disclose it to You FREELY!!!!!

Call or Sms me directly right NOW on +260 977 805045 / +260 966 388525 / +260 955 168754.

Or, alternatively email me at [email protected] indicating your interest in this very Little Known Secret and/or Cost Effective Way or Strategy and I'll gladly get back to you in record time!

Most landlords never put or rather reduce everything into writing. And when I talk about putting or rather reducing everything into writing, I mean preparing and including all the pertinent rental policies and/or terms and conditions in advance. This therefore entails having that dreaded Tenancy Agreement in place.

However, since most landlords are NOT schooled or rather enlightened in such matters, they bury their heads in sand hoping, thinking and praying that all shall be fine with their tenant-landlord relationships. But to the contrary, things do not always turn out to be that easy and predictable in life as we've come to know from experience.

So, its Always Important to have a Tenancy Agreement in place that incorporates and provides for the known as well as for the unpredictable future.

Therefore, What Are Some Of The Most Important Polices, Terms and/or Conditions That Ought To Be Seriously Considered Before-Hand In The Tenancy Agreement?

Well, the most important polices, terms and/or conditions are but are not limited to the following::

a) Provision as to whether you'll allow domestic Pets and/or other Animals such as Dogs and Cats etc or not. If you will, how many?

You might ask, "Why should I limit the number of domestic animals on my rental premises and incorporate such a seemingly strict policy in my Tenancy Agreement?"

Well, uncontrollable numbers of domestic pets and/or animals such as dogs, cats, doves, horses etc can end up causing damage to your piece of rental property if left unchecked and controlled.

They can also affect the natural beauty and scenery of your property.

Therefore, its important that you incorporate such a policy or term in your Tenancy Agreement that will restrict the number of domestic pets and/or animals so as prevent the potential damages associated with having large numbers of such creatures on your rental premises!

b) The number of Occupants

c) Who pays for Utilities such as water, electricity, cabbage collection, security, sewerage etc

d) Good Management of the Property such as who will do repair works to the property when damaged by either the tenant's immediate family members or damages coming as a result of natural calamities and to what extent and what amount of expenditure is the tenant allowed to spend on repair works? And is this supposed to be done with or without express permission from the landlord?

e) The amount of Rental Fees to be paid by the tenant and on what date and time specifically is tenant supposed to pay such fees. Also, are you going to include penalties for late payment of rental fees or not. If you're going to include such penalties, how much will such penalties be per day when rent is not paid?

f) Will you allow tenant to sublet the premises to other tenants or not.

g) Will you allow tenant to conduct serious commercial business activities on your premises or not?

h) Any other relevant policies, terms and/or conditions that you may deem fit and necessary to protect your interests and the property from abuse and damage.

If you desire an example of a detailed Tenancy Agreement, then click HERE for insight and inspiration. When you click on this link, it will take you to a Webpage called 'Downloads' right here on this very Website and once on that Webpage, click where it says 'Davik Tenancy Agreement Form'. That's it. The said template Tenant Agreement can be modified to suit your own unique circumstances!

This is also another dangerous and costly mistake committed by most landlords unknowingly.

Just because your tenant pays you the rental fees on time and does not complain to you about the state of the property does not mean that all is okay. You need to make impromptu and occasional spot checks on your property just to make sure that all is fine. Never assume that everything is fine. Regularly inspect your property. That way the tenant will know that you do care as well as prevent any unnecessary abuse of the property by the tenant.

This is another common and dangerous mistake made by most landlords unknowingly as well.

Their is totally nothing wrong with renting out your property to friends and relatives as long as you make it plainly graphic to them that this is a business and that you'll NOT entertain ANY sob and calamity stories from them when time for paying rental fees is up. Just don't allow them to take advantage of you because you happen to know each other.

Otherwise, the best strategy is for you to avoid renting your property to this class of people if you can that is. That way, you'll end up saving your good relationships with them.

But if you want to sour your relationships sooner or later on, then please go right ahead and rent out your property to such people.

However, don't complain when they start defaulting and take advantage of you!

Another common and costly mistake committed by most landlords unknowingly is entertaining mourning and calamity stories from their tenants without question. Stories such as being unable to pay rental fees on time due to ill health, loss of a job, no business, loosing of a loved one in the family, etc are all common sob stories tenants use to escape paying rental fees on time.

Yes, we all experience such adversities at one point or another in our lives, but entertaining such sob stories as and when they are presented to you as a landlord on a frequent basis can affect your bottom line in terms of your income levels. It also makes your planning very difficult in the process.

The way to look at this is this; if you borrowed money from the bank, would the bank accept your mourning and calamity story and excuse you from paying and remitting that monthly loan deduction?

Well, both you and me know damn well that the answer is a definite NO of course!

Then why should you as a landlord be any different from the bank? Both you and the bank are in business!

So, You Must NEVER entertain such sob stories at all costs unless otherwise and previously agreed upon in your Tenancy Agreement where procedure relating to such issues is clearly provided for therein.

So, What Are You Supposed To Do Then As A Landlord To Prevent Such Mourning And/Or Calamity Stories From Repeating Themselves On A Frequent Basis?

Well, provide and incorporate a rental policy, term and/or condition that governs the procedure regarding how you're going to treat and handle such issues as and when they arise and not waiting until it is too late thereby affecting your bottom line!

Profit maximization is the central theme in each and every business entity. And therefore thoroughly and properly comprehending the costs associated with every business venture is a MUST if you're ever going to survive in the business world!

The same holds true when it comes to the rental business. You MUST understand the costs associated with each and every rental unit you own as a landlord or else you'll end up a looser. Costs such as property management fees, home owners insurance, land rates, ground rents, income taxes such as withholding tax, monthly mortgage loan repayments etc must all properly be understood by you the landlord and taken into consideration when ascertaining the monthly rental fees to be paid by the tenants when they eventually occupy your piece of rental property. This will enable you to remain in a positive cash flow position rather than a negative one.

So, understanding the costs associated with the rental business is crucial to each and every landlord who desires to be a great success in his real estate investment efforts!

The last but not the least dangerous and costly mistake most landlords commit unknowingly is as stated above: Not Thoroughly and Properly Pre-Screening The Tenants To Be!

You see, not every person who comes your way and shows interest in your rental property qualifies to be a Good Tenant. Most of them are what I like to call "YUPPIES". Yuppies are the kind of tenants who once you've rented out your rental property to them, make the loudest kind of noise like a pig on the slaughter table. They happen to be very, very demanding and the moment your rental property experiences a slight problem like for instance a leaking roof or even a broken window pane or door, they are so quick to give you a call even in the middle of the night for you to go fix that problem!

So, would you love and enjoy having such a tenant occupying your rental property? Definitely not me! And its my guess that you wouldn't fathom having such a tenant occupy your piece of rental property either.

Therefore, learn and master the art of pre-screening tenants to be so that you only select and accept the best candidates and get to weed out the potential problematic ones!

In my many years of being in this industry and having dealt with a sizeable number of landlords and distinguished tenants, I've come to the realization and conclusion that their are some categories of people and/or professions or careers that appear to be very good tenants and their are some that are so problematic as to go to the extreme extent of even threatening their landlords with Unnecessary and Uncalled for Lawsuits even when the landlord was within his or her rights.

However, this is not to say or rather suggest that their are no nasty landlords out there. No. There are actually plenty nasty landlords out there who deserve to be taught good lessons by way of Justified Lawsuits so as to bring them back to their senses just as readily as there are plenty nasty tenants as well out there!

But, the bottom-line here is that as a landlord, you wouldn't want to find yourself in a situation where you're always quenching out fires here and there instead of earning money just because of a mistake you could have prevented or avoided initially had you take your time to pre-screen your tenants to be. And this does not mean that you should abuse or rather take advantage of your tenants just because you're a landlord. NO Please!

Just in case you may have a problem/s with a particular tenant or landlord, Section 5 subsection 1 of the Rent Act which is actually Chapter 206 0f the Laws of Zambia, provides either the landlord or the tenant the option of taking the matter to court so that the court can investigate the issue thoroughly and give relief to the complaining party. I hereby reproduce the said Section 5 subsection 1 of the Rent Act below:

"5.  (1)  In addition to any other powers specifically conferred on it by this Act, the court may investigate any complaint relating to the tenancy of premises made to it either by the landlord or a tenant of such premises".

And going hand in glove with the above quoted Section, is Section 32 of the same Rent Act which empowers the Chief Justice of the Republic of Zambia, by Statutory Instrument, to make 'Rules' of the Court known as 'The Rent Rules' and Rule Number 3 of the said Rent Rules talking about the commencement of legal proceedings against either party is hereby reproduced below as well:

Rent Rule Number 3. "A complaint or application to the court under the Act shall be commenced by an originating notice of motion. Evidence in support thereof may be on affidavit or viva voce."

The Golden Rule Of Life Therefore Is: Treat Others As You Would Like Them To Treat You. In Other Words, Do Unto Others What You'd Like Them To Do Unto You. Period. Nothing More and Nothing Less.

So, in conclusion, its my sincere hope and prayer that you've learn't, known, mastered and reminded yourself of one or more of these very common, dangerous and costly mistakes landlords make unknowingly and that you'll take remedial measures to prevent your committing them in the near future!

Or, what do you think about what you've just read above? Does it make sense to you as a landlord? And would you recommend what you've just read above to another person you know is involved in the rental business?

Well, simply write or drop your comments in the comment box below. Your comments shall be appreciated. By the way, both positive and negative comments are all welcome!

So, go right ahead and drop a comment below.

Or, simply recommend this blog post article to the people you think might be interest in this kind of information!

Until next time, go well in your own real estate investment endeavors.

NOTE: Happen To Have or Own Some Piece of Rental Property Whether Commercial or Residential And Are Experiencing Challenges and/or Problems Locating Good Paying Tenants?

Well, Tell Us About It Today Using Either The Contact Us Form or The Comment Box Below and We Should Be Able To HELP You In This Matter In Record Time At a Very Minimal and Manageable Fee As Well As Disclose To You That Little Known Secret and/or Cost Effective Way or Strategy You Can Employ or Apply Right Now GRATIS To Help You DO Some Cosmetic and/or Repair Works On Your Rental Property If You Do Not Have Enough Funds To Do That and Thus IMPROVE The Perceived Value of Your Rental Property In The Eyes of Your Prospective New Potential Tenants!!!!

There is ONE critical THING anyone contemplating of investing in real estate Must Do FIRST before spending any dime or dollar whatsoever!

This ONE THING is a Critical First Step any shrewd real estate investor MUST put in place before actually dashing out to invest in any kind of real property.

And this ONE THING is actually a very FREE Commodity! It doesn't require any money whatsoever for one to come up with it. It ONLY requires three FREE things as well and these are:

TIME, EFFORT and CAREFUL THINKING in the beginning! That's all!.

SO, WHAT THEN IS THIS VERY ONE CRITICAL THING AM I TALKING ABOUT?

Well, it is simply this -> Your PRELIMINARY AND ULTIMATE REAL ESTATE INVESTMENT GOAL/S!

Yes, you read that correctly - Your PRELIMINARY AND ULTIMATE REAL ESTATE INVESTMENT GOAL/S will determine EXACTLY the course of direction you're going to take in the future once you've bought and/or invested in that dream piece of real property.

You see, dear real estate investor, I know you've heard of this very thing several times in the past and I'll say it here again and again until it sinks in into your own mind for you to get that aha moment.

You see, Goals will provide you with a sense of clear investment direction once you have them in place. Rather than scratching your head in your investment journey as you proceed when you meet with temporary setbacks and challenges, goals will strengthen you instead and make you achieve what you initially set out to accomplish in the first place!

For instance, are you planning on having Temporary Control of the said piece of real property you're intending to buy or invest in? Are you thinking of Buying and then Keeping the said piece of real property? Or, are you simply thinking of Buying and then Quickly turning over the said piece of real property for profit to enable you generate more income for future investment property or what?

THEREFORE, HAVING STATED ALL THIS,  WHAT ARE SOME OF THE EXAMPLES OF THESE VERY PRELIMINARY AND ULTIMATE REAL ESTATE INVESTMENT GOALS YOU NEED TO HAVE IN PLACE FIRST BEFORE YOU DECIDE TO INVEST YOUR MONEY IN ANY KIND OF REAL PROPERTY?

Well, here are Seven (7) Real Estate Investment Goals You can adopt in Your own Real Property Investment efforts. Read below:

INVESTMENT GOAL NUMBER 1:  BUY AND/OR INVEST IN YOUR OWN HOME IN ORDER TO LIVE IN

This is the most common preliminary real estate investment goal for many people especially those planning on starting a family of their own and those about to retire.

So, if you haven't yet bought and/or invested in your own home in order to live in, then having a preliminary goal like this in place is an ideal situation for you as a beginning real property investor!

Yes, buying and/or investing in your own home in order to live in it may not benefit you in terms of income or profits, but it will save you good in terms of opportunity costs. This is where the money you were supposed to be paying rental fees, you'll now start saving because you're no longer a tenant but a home owner.

So, if you do not yet own your own home, then why not begin with this very Preliminary Goal FIRST before you consider coming up with other real estate investment goals!

INVESTMENT GOAL NUMBER 2: ASSIGNING THE CONTRACT OF SALE

Coming up with such a Preliminary Goal enables you to tie up a piece of real property with an Earnest Money Contract (Contract To Purchase). This in turn enables you to Assign this same Contract of Sale to another interested party or person for lucrative consideration or rather profits!

INVESTMENT GOAL NUMBER 3: SELLING FOR QUICK CASH

Coming up with such a preliminary real estate investment goal in the first place aims at you buying and/or investing in a piece of real property and then quickly turning it over for profit, with or without improvements at all.

INVESTMENT GOAL NUMBER 4: SELL FOR PAPER

Having such a preliminary goal in place entails you as a real estate investor buying and/or investing in a piece of real property and then quickly selling it on a Contract for Monthly or Quarterly Payments.

INVESTMENT GOAL NUMBER 5: PROPERTY MANAGEMENT

Having a preliminary goal like this one in place entails you buying and/or investing in a piece of real property and then later on managing it purely for profits.

INVESTMENT GOAL NUMBER 6: PARTNERSHIP

Having a preliminary goal like this one in place entails you buying and/or investing in a piece of real property with the help of a partner/s, managing it for profits and then later on splitting the profits with your partner/s!

Sitting Tenants can turn out to be your best Equity Partners in your real estate investment efforts if you happen to find those with a knack for spotting investment opportunities!

INVESTMENT GOAL NUMBER 7: TRADING

And finally, the last but not the least investment goal, involves you as a real estate investor buying and/or investing in a piece of real property with a view to trading it for another piece of real property that provides you with a higher or greater financial benefit!

So, this sums up our list of template goals you can adopt and apply in your own real estate investment efforts before you actually go out there and start searching, analyzing and finally investing that hard earned money of yours.

Therefore, here is the summary of the whole matter:

Come up with investment goals first, decide what type of piece of real property you want to buy or invest in, start searching and analyzing properties whether you're ready with the money or not. Why? Because this enables you to have a feel of what it involves to search and analyze properties as well as know in advance the average selling prices of properties in the areas of your particular choice so that when you eventually have the money in place you'll be able to know, identify and distinguish a good and fairly priced property from a bad and unreasonably priced one. Narrow down your search and analysis of the properties you're looking at and finally decide and choose the one that appeals to your taste and liking. Conclude the deal and then either keep and manage the property for residue income in terms of rental fees or quickly turn over the property for greater profits to enable you raise enough money for future  income generating real estate you intend to keep and hold for sometime. After this, go back to square one and repeat this whole process over and over until you achieve your real estate investment goals!!!!!

So, until next time, go well in your own real estate investment efforts.

NOTE: Looking for property to Buy, Sell, Rent or Simply Rent Out, then click on the highlighted words right in this very sentence.

Every type of investment opportunity or investment vehicle has its own underlying basic rules and/or principles that make up the BACKBONE of that very particular investment model. And these very underlying basic rules or principles of that very particular investment model MUST STRICTLY be followed and adhered to or else an investor stands to loose all or part of his or her investment seed capital. The loosing of one's investment seed capital is what must be avoided at all costs if you can and have some ways of doing so.

You see, dear potential real estate investor and blog reader, following the basic rules or principles of something will not 100% guarantee your ultimate success in your chosen investment opportunity or career path BUT will at least HELP you come closer to achieving your investment goals regardless of whatever happens in the process!

However, DISREGARDING and/or IGNORING these very specific basic rules or principles will DEFINITELY make it Pragmatically Impossible for you as an investor to achieve your investment goals in the long run than if you did follow them in the first place! And so, the million dollar question is, which one of these two scenarios would you want to follow and adhere to?

Well, your guess is mine too! Its better to follow and adhere to the former than to suffer the consequences of the latter!

So, the same is true when it comes to real estate investing. Its better to follow and adhere to the basic rules or principles that make up the BACKBONE of real estate investing than to ignore and disregard them and then later on suffer the consequences thereof.

Well, what makes up the Backbone of real estate investing is this:

THE WRITTEN OFFER! Period.

Well, The Written Offer, through its CRITICAL documentation, provides you as a real estate investor with Five (5) Major Benefits. And these are as follows:

The process of making Written Offers is to the real estate investor what the "Internship" is to the medical field. Writing Written Offers is the "Clinical" part of a real estate investor's training that will lead you to greater success in your deals. There is no excellent way of comprehending the basics of real estate investing than to learn to write plenty Written Offers especially under the guidance of more experienced real estate investment mentors and/or professionals who can coach you forward.

A Written Offer used correctly, can be one of your Powerful and Persuasive Negotiating Instruments in your arsenal of negotiating tools! The Written Offer normally starts the SERIOUS negotiating process and might have to go through several discussions before all the concerned parties append their signatures to the final terms and conditions.

A Written Offer once signed by all the concerned parties to the deal, serves to open up "Escrow" and immediately begins the clock ticking unavoidably towards the completion of the whole real estate deal. Therefore, it becomes the Main Reason for getting the whole deal completed. So, if the other party decides to back out of the deal for whatever reasons once the Written Offer is signed, the other party can sue for Specific Performance to compel the breaching party to have the deal Specifically Performed and/or Adhered to according to the agreed terms and conditions. On the contrary, if things were left to mere Oral Agreements only, then most real estate deals would never get to the fruition stage!

The Written Offer holds and keeps in a legally binding manner what you and the seller have mutually agreed to and therefore serves as the basis for securing mutually acceptable results. The Written Offer also epitomizes for you the wisdom of many previous real estate deals done before you and thus serves as the accumulation of dozens of crucial clauses or terms and conditions that have been carefully and critically thought of precisely to address difficulties experienced in the past to thwart your going through the same mistakes that other less shrewd investors suffered. It also Protects and/ or Safeguards both your interests and that of your Assigns in the event of the unknown happening including the interests of the seller and his or her Assigns as well!

A Written Offer once signed by all the concerned parties to the deal, and properly and rightly structured, becomes a Lawful Contract or Legally Binding Document which in itself is a Valuable Asset or Possession to you - the buyer!  HOW? Because it is a Possession you may take to the Market Place and use it as a REASON for obtaining further financing for your real estate investment project! However, you're of course bound by the terms and conditions contained in the Written Offer; BUT in effect it provides you with CONTROL over Valuable Property, and this Control and 'Interest' in the subject property can itself be assigned to another person, sold and/or traded for another property with higher and/or greater benefits!

Therefore, in conclusion, you can protect and safeguard your interests and that of your immediate Assigns in real property investment when you take the time to learn the ins and outs of real estate investing. And learning how to write Written Offers effectively is one such basic rule or principle you cannot afford to ignore and master. WHY? Because once you master this basic principle of real estate investing, it will enable you to protect and safeguard your investments once you've bought them and ensure you earn significant real estate profits through proper negotiations and documentation via effective Written Offers and NOT Oral Offers only!!!

And in your writing and presenting of Written Offers to the distinguished real property sellers, endeavor NOT to forget incorporating what are known as "Contigency Clauses or rather Contigency Terms and Conditions" in your Written Offers. WHY? Because these Contigency Clauses protect and insure you against any unexpected pop-ups, twists and turns in the near future and beyond and thus enables you to back out of the deal without any serious repercussions whatsoever!

Shrewd property sellers will however try by all means possible NOT to include these Contigency Clauses in their Written Offers and therefore it is your primary responsiblility to make sure that theses kinds of protective clauses or terms are included in your negotiation range and documented.

Here then are examples and a short list of some of the Contigency Clauses you may include in your Written Offers. See below:

"Purchase of property is subject to buyer obtaining financing from lender of buyer's choice and to be obtained within a maximum of six (6) months from date of signing this Offer"

It is prudent to include the specific terms and conditions of financing that you as a buyer intend to use and apply in the deal at hand

"Purchase of property is subject to seller providing a survey of the property, which survey is to be approved by buyer"

This allows you to verify the physical size of the property and make sure it corresponds to the legal description.

"Purchase of Property is subject to inspection, verification and approval of all financial data, tax, land rates and other kindred incomes and expenses"

You are making a life time investment so that you may multiply your financial situation that will lead you to financial freedom. And therefore, if you fail to review and cater for this kind of crucial financial data, you're then making a serious investment blunder.

Therefore, this is not mean't to be an exhaustive list of Contigency Clauses, but just a short list to help you see and understand how you may apply these in your own real estate Written Offers.

So, if you incorporate and use such contigency Clauses in your own Written Offers to provide for the unexpected, your chances of investment success will be greatly increased rather than diminished!!!!!

Hope this has been of great help to you.

NOTE: Don't Know How To Draft Your Own Legally Binding and/or Professional Looking Written Offers Which You Can Then Use To Get Your Deals Done and/or Eventually Use To Help You Obtain Further Financing For Your Own Real Estate Investment Projects? Then Call Us Today By Clicking  HERE To Help You In This Matter At A Reasonable Fee!

Also, Are You Looking For Real Property To Buy, Sell, Rent or Simply Rent-Out To Others, Then Simply Click On The Highlighted Words Right In This Very Sentence For Details!

I love to hear your comments. Both positive and negative ones are all welcome.

So, go right ahead and drop a comment using the form below.

Building and/or Investing in Real Estate has its own unique challenges. If it were not so, too many people would have been home owners, landlords and/or highly successful real estate investors.

Therefore, Building or Investing in Real Estate equally comes along with its own fair share of subtle and hidden costs that if not properly managed and controlled, can result in you as an individual investor loose colossal sums of money in the long run.

Their are actually 7 Unique Ways People or Real Estate Investors Unknowingly and Subtly Increase Building Costs thereby Delaying their own Investment Plans and Goals. These are as follows:

You've probably heard the saying "Failing to Plan equals Failing to Succeed!"

Well, I cannot therefore over emphasize the Importance of having a Budget and/or Building Plan in place before you actually commence your building project/s.

You must make it a point to budget or plan both the time and money it will take you to build or construct your dream real estate investment venture. Budgeting in advance in terms of the monies and time it will take you, ensures that you'll work within your financial perimeters and NOT beyond. It also ensures that you complete your building project/s within the planned and stipulated time frame.

It will also further provide you with that sense of urgency when your building project isn't moving on schedule so you can speed up the process and complete on time!

Learn to practice "The Need To Know" Principle!

See, dear blog reader and real estate investor, ONLY divulge certain critical information to people who deserve to know that particular kind of piece of information.

When you apply this principle, you protect yourself from unscrupulous people whether relatives or otherwise who might end up scheming ways and plans on how to lay their hands on your hard earned money thereby increasing your building and spending costs unnecessarily!

So, learn to be stingy and secretive with this kind of sensitive information. Only disclose it to people who deserve to know and not the other way round. You'll be shocked to learn how people become highly creative when it comes to scheming on how to swindle others of their own hard earned money once they know how much money you have.

Therefore, make it hard and difficult for other not so important people to know this kind of information. Keep them in suspense and let them keep guessing as to whether you have enough money to work with or not. This ensures that you work within your financial perimeters and NOT the other way round!

To reduce on unplanned for expenditures and other unwanted costs, make sure you brainstorm and think in advance of creative and airtight ways and means of preventing, thwarting, detecting and immediately and quickly prosecuting those that are likely to cause and increase your building costs unnecessarily. By acting this way swiftly, you prevent and send a strong message out there that you're a serious person who is not going to just sit around and watch people contribute to your increasing building costs!

Their is simply no excuse for committing such a grave and serious blunder when it comes to choosing and selecting building and/or construction personnel or companies whether relatives or otherwise in helping you achieve your real estate investment building plans and goals! You just better get and solve this piece of the puzzle properly right from the onset. Otherwise, it'll end up being a major contributor in terms of increased building costs if you don't get it right from the start. If you're not sure who to contract and trust in terms of your building needs, then simply ask people who've been there before and ask for their preferred recommendations.

This, if not religiously and strictly corrected, can contribute to your building costs greatly.

So, ensure that you incorporate regular and highly unpredictable unannounced spot checks to check on the progress of your building project/s!

If you happen to have no time at all or have less time for it, then employ what is know as "Creative Property Management" to help monitor the progress of your building projects on your behalf!

"If you pay peanuts, you get monkeys", is a popular saying by the wise people of old times!

So, never be extremely stingy with your monies when it comes to paying your handymen and other building or construction professionals. Pay them well for jobs well-done! This can entice them to ensure that they do proper and professional work on your current and future building projects!!!

If you DO NOT have intelligence or secretive sources of information in place to help you receive reports of dubious and/or criminal activities taking place on your building project premises, then lack of having this strategy in place can equally contribute to increased building costs on your part.

So, devise some covert ways and secretive strategies of getting information about such activities so you may act swiftly immediately such unlawful activities show their ugly heads and faces!

So, dear blog reader, hope this has been an eye opener on how to help you keep your building costs low instead of high!

What about you? What do you think could be other ways that people may be increasing their building costs unknowingly? How can those other ways be minimized to a bare minimum?

Drop your comments and/or contributions below.

Therefore, until next time, go well in your own real estate investment efforts.

NOTE: Looking to Buy, Sell, Rent or simply Rent-Out the property of your dreams to your ideal clients? Then click on the highlighted words right in this very sentence for details.

Are there Simple, Fast, Easy, Secure, Fun and Cost-Effective Ways for ANYONE thinking of Investing in Real Estate?

Well, the answer is simply a definite YES!

There are quite a number of Simple, Easy, Fun, Secure, Fast and Cost-Effective ways of investing in real estate for anyone considering this way of investing, with or without any money at all!

There are actually four (4) Main Simple and Fast ways of doing this and these are as follows:

Real estate investment is a pure Networking Investing Activity. It doesn't really matter whether you're an Individual or a huge Corporate Entity.

You see, if you want to strike it BIG and FAST in the field of real estate investing, you need to STOP working as a Lone Ranger Investor!

In fact, all Successful Real Estate Investors as well as any other types of Investors have learn't to use what I like to call "O.Ps" (Other People's stuff) in their investment strategies i.e Other People's Expertise, Other People's Skills, Other People's Knowledge, Other People's Time, Other People's Talents, Other People's Know-how, and lastly but NOT the least, Other People's Money!!!!!!

So, dear blog reader and potential real estate investor, learn to use and incorporate other people's Wisdom, Knowledge, Understanding, Talents, Time and Legwork of Others to further your own cause.  Not only will such assistance save you valuable time, energy and money, it will also give you a Godlike aura of Efficiency and Speed.!

Why then would You want to do it all by Yourself? You're ONLY making it Harder on Yourself! There are some real estate professionals as well as other non - real estate professionals whose expertise You can leverage to help You on finding and eventually investing in good real estate deals rather than You wasting Your valuable and precious time trying to do everything by Yourself. There are people to whom You may delegate some simple tasks to so You can concentrate on major tasks that help You make more money and become more effective!

So, Who Are Some Of These People You Can Delegate Some Of These Responsibilities To?

Well, here is a short list of some of these people and/or professionals You may delegate some of Your responsibilities to so You may free up Your time to concentrate Your energies on income generating activities rather than You becoming an unneeded real estate expert. Read below::

i. Real Estate Agents - These have ACCESS to many real estate deals as well as many properties. They can help You with a wide variety of real properties to choose from and for this privilege pay them a little something for helping You save Your valuable and precious time. For time saved is money earned indeed in one way or another! And like I said before, this FREES You up to FOCUS Your time, effort, and energies on other major tasks that earn You money and where You're good at!

ii. Real Estate Legal Officers - These help You with real property Asset Protection. You don't want to buy a piece of real property only to be told later that the person you bought from wasn't the lawful or legal owner of the said property and that he/she never had the capacity to enter into a valid and legally binding agreement! What You want is that once You buy, it's Yours and Yours for good!

iii. Real Property Appraisers - These help You calculate the approximate real and actual market value of a piece of real property in a particular location of the country! What You don't want is to spend more than is required on a piece of property and then live to regret afterwards for the rest of Your life. You had better get it right from the onset. And if you happen to be one who believes in doing it yourself when it comes to property valuations, then here is a great article I wrote that discusses 2 FREE Strategies on calculating or estimating property values on your own. You may access this very article by clicking ->HERE!

iv. A Real Estate Mentor - Such a person can also help You locate the best and ultra - bargain real estate  deals in the locality of Your choice. He/She can also help You with information concerning Joint Ventures, Sources of Reasonable Financing, and just other good deals and vital information pertaining to real estate investing!

v. A Banker - This person can help you with Your Financing Needs to assist You buy the property of Your dreams at the time You really need the funds. Moreover, a banker can also provide You with relevant information pertaining to foreclosures before the general populace has access to this type of vital info. Therefore, learn to cultivate a good relationship with some bankers especially those possessing some lending authority like a Chief Executive Officer or even a Branch Manager of a Financial Institution.

vi. A Title Research Or Escrow Services Company - Such an organization can help provide You with valuable property reports on properties listed for sale so You can know in advance if there are any problems with the particular property's title as well as anything else pertaining to that very piece of property such as unpaid land rates, liens or caveats, etc.

vii. Friends, Relatives and Acquaintances - These types of people can also be of great help. They might know someone who has what you're looking for. And in most cases, you don't even have to pay them for such a service. However, if you're so much in a hurry to succeed and get what you want quickly, there is nothing wrong in you enticing these people with cash rewards or you yourself receiving cash rewards  from other people in order for them or you to have a compelling reason to either help them or yourself get what you want very fast. This is what is known as "Network Marketing or Networking". This method or strategy is becoming increasing popular all over the world. And therefore, why not use it if others are using it with greater success in their personal and/or corporate endeavors!! If you wish to learn more about this and how it operates, then click->HERE!

However, if you operate a real estate Corporate Entity, then you may take advantage of what is known as Joint Venture Marketing where you enter into strategic business marketing partnerships or relationships with other business entities operating similar lines of businesses and get to market to each others existing customer base when your particular property listings and/or offers do not meet your existing customer's budget, selection criteria and specifications! This enables you to leverage each others existing customer bases and get to profit out of them thereby helping each others organizations with the much needed cash flows which can then later on be used for re-investment purposes such as in real property development initiatives!! 

Therefore, as You've seen and read from the above short list, it's very, very important to include others - whether Individuals or other Corporate Entities - in Your own real estate investing endeavors to avoid wasting your much needed and valuable resource which is ->Time! For Time saved is Money Earned indeed.

Henceforth, STOP working as a Lone Ranger Real Estate Investor and start Working with and Leveraging Other People in Your real estate endeavors and You'll achieve your real estate investment dreams in record time.

Why would You want to make it harder on Yourself? You can ONLY go so far as a Lone Ranger Real Estate Investor.........!

Real estate trading and/or brokering as it is sometimes called, is another Simple and Fast way of investing in real estate for any one who does not have any money to buy or invest in their own piece of real property now. All that someone needs to have or posses is FREE INFORMATION about people who are looking for property to buy and then simply connect such people to the sellers who've been struggling to sell their own pieces of real property for some time and then asking such sellers for a cut or commission for helping them sell their property which monies earned can then later on be used to either buy or invest in one's own piece of real property. And this does not even require any one to register a business to do this. All that one needs to do is simply connect the people they know on a very personal level who are looking for something to buy to the sellers. Period!

And another second type of real estate trading involves scouting for and buying real estate properties with the intention of holding them for a very short period of time, often not more than three to six months time, whereupon you hope to sell them off for a marginal profit. This technique is called "FLIPPING PROPERTIES" and is based on buying properties that are either significantly undervalued by their owners for one reason or another or happen to be situated in a very red hot market area of a particular region.

Two distinct types of Property Flipping exist. And these are:

i. Pure Property Flipping - Pure Property Flipping is a type of real estate investing where You do NOT put any money whatsoever into a house or indeed any other kind of real property in order to renovate and/or improve it after you've purchased it. The property in question has to have intrinsic value to gain some profit for you as an Investor without you physically renovating or improving it or else you don't consider it. Flipping properties in this manner is only meant to be a short term kind of cash investment.

However, the only negative side of property flipping is that if a property flipper gets entangled in a situation where he or she cannot sell his or her property quickly for one reason or another, then this can be quite catastrophic especially if the monies used to purchase the said subject property were obtained via a mortgage and therefore this becomes difficult to keep up with the mortgage repayments. This can result in serious liquidity problems for the property flipper who is unable to offload his or her property in a bad market.

The only way to avoid this kind of predicarment is to put in place contigency measures! Otherwise, flipping properties is a good way to raise money for further real estate investment endeavors!!

ii. Buy, Fix and Flip: This is the second type of real property flipping investment strategy that involves buying or investing in reasonably priced properties and then adding value to them by renovating and/or improving them and then finally selling them at a slightly higher price. This enables one to generate enough money that can then later on be used to buy or invest in another piece of real property whilst using the seed capital for re-investment purposes.

However, this real estate investment strategy is normally used for medium to long term kind of real estate investments and normally will depend on the extent of the renovations or improvements to be done.

The downside to this type of real estate investment strategy is that it is time intensive and often only permits an investor to take on one piece of real property at a time. But generally speaking, it is also a good way of multiplying one's income which can then later on be used in purchasing other pieces of real property once an investor has made enough!

Deal Clinching is another Simple and Fast way of investing in real estate because it provides any investor one key advantage which is normally not available to any other type of investing such as Stock Market Investing. And that one key advantage is this: LEVERAGE!

WHAT EXACTLY DO I MEAN BY THIS?

Well, allow me to illustrate this with a real life investment scenario.

For instance, if you desire to buy or invest in Company Stock or Shares, you'll be required to pay the full value of the Stock at the time you place the buy order. Even when you decide to buy on margin, the amount of money or whatever form of consideration you choose to use, will still be much lower than if you had invested in real property. Why? Because real property has real value which even the distinct financiers or money lenders recognize!

Moreover, most financial lending institutions offering mortgage bonds require that an would be buyer puts down a certain minimum deposit towards the purchase price of a piece of real property before they can even consider processing an investor's application for such an investment venture. However, notwithstanding this requirement, and real estate being what it is because of its inherent and perceived value, there are now other Investment Options pertaining to real property investment which a shrewd real estate investor can apply without putting down any liquid cash whatsoever and still walk away as the new owner of the property with full management controls even when the said property hasn't been paid in full! What this therefore means is that you can control an entire piece of real property and the equity it holds by simply paying what is know as the Option Money or Payment which represents a fraction of the property's total value. And this Option Money or Payment doesn't necessarily have to be in liquid cash! It can be in whatever form or shape of consideration the vendor or seller is comfortable with. But of course, your mortgage bond from your bankers or financiers will eventually help you pay off the remaining balance of the property's sale value BUT you gain control of the property the moment the papers are signed between you and the seller, which is called - Deal Clinching!

If this does not make sense to you at all, then I highly recommend you sign up for a certain E-Course entitled "How To Buy Real Estate Using Little or None of Your Own Money At All And Get To Buy Your Dream Property At The Price You Want". I discuss in detail such ideas and strategies in that very E-Course. So, sign up for it by clicking->HERE or simply use the form on the other side of this very webpage if you wish to know more about how to invest in real estate using Deal Clinching as an investment strategy!

Therefore, this is what makes real estate investing so attractive to so many people because it has so many alternatives tied to it even when a person doesn't have any money at all to invest in real property. One can still use such Options in their investment endeavors and still walk away as a property owner with full management controls even when one hasn't yet finished paying for the subject property in full.

You as a real estate investor can also take out a second or even a third mortgage bond on your own home and use that very mortgage bond as down payment on two or more other properties to increase your real property investment portfolio. Whether you happen to rent out these properties to tenants so that they help you pay out the mortgage bond you borrowed or wait for a chance to resell the property for profit, you control these assets inspite of you having paid only a small amount of money or consideration for them in the begining.

Investing in basic rental properties is the last but not the least Simple and Fast way of investing in real estate.

This way of investing in real estate is as old as the practice of landownership itself. Normally you as an investor will either buy or build a piece of real property with a view of renting it out to other people for profit. You - the Owner or Landlord - will be responsible for paying back the mortgage bond if at all you got one including the costs associated with maintainance of the property. Essentially, you charge enough rent to enable you cover all of the aforementioned costs and other kindred expenses. You may also decide to charge more in order to help earn a very reasonable monthly profit to make the monthly mortgage bond repayments easy for you. But the most common plan is to be patient and only charge enough rent to cover only the expenses and other costs until the mortgage bond loan is paid in full, at which time the remainder of the rental fees becomes full profit for you the landlord.

Moreover, the property may also appreciate in value over the course of the mortgage bond period leaving you the landlord with a more valuable asset clear of any debts! At this time it becomes yours fully and you can decide what else to do with the property.

However, investing in basic rental properties also comes along with its own challenges and hiccups!

The first challenge is that you need to have plenty money for you to do it. If you don't have plenty money, then you need to have a steady and regular source of income to enable you borrow from the hard money lenders so you can either build, buy and/or invest in real property.

The second challenge is that if you happen to be one of those people whose liquidity position is sound and you're able to afford to borrow and get yourself a mortgage bond loan to enable you either build or buy a piece of rental property, you may end up with a nasty tenant who damages your property, delays in paying rental fees to you  or worse still, end up having no tenant at all. This therefore might end up leaving you with a serious negative monthly cash flow position which might make it very difficult for you to service your monthly mortgage bond loan repayments.

The last but not the least challenge is that of locating and/or finding the right property in a good location. Why? Because this might end up taking most of your valuable and precious time and effort trying to find the right property with good terms and conditions. This may therefore work against you in terms of time more especially if you're using borrowed funds to invest in real property. You may reach a point where you have to start repaying your loan and yet you haven't even finished building that investment property if you happen to go the construction way.

Otherwise, notwithstanding the above mentioned demerits of basic income generating rental properties, real estate investing is generally an excellent investment choice compared to other investment options because of its inherent and perceived value!

However, as with every other good investment option out there, real estate has its own fair share of risks as well. So, dear prospective real estate investor, be smart in your real estate investment efforts and please make sure you do your homework before you sign on the dotted lines. There is nothing which is 100% perfect in the investment world!!

As always, go well in your real estate searching, buying and investment endeavors.

NOTE : Looking for Real Estate to Buy, Sell, or Rent, then click on the highlighted words right in this very sentence for details.

I love to hear your comments. Both positive and negative ones are all welcome.

So, go right ahead and drop a comment below or simply HIT the "LIKE" or "TWEET" button below.

Buying or selling a piece of real estate can be such a great challenge indeed especially in the Republic of Zambia where property owners and/or some real estate dealers price their real properties at optimistically high and prohibitive values. This is partly due to the fact that the real estate market and industry in Zambia is not strictly monitored and regulated by the concerned government authorities. This perhaps could be due to the fact that the industry may still be in it's infancy. It hasn't yet reached that advanced and mature level where government eventually thinks of coming in to help put in place control mechanisms and restore sanity in the way sellers, property valuers and estate agents price and/or value their properties.

Therefore, property owners end up having abnormally high expectations of the value of their properties and so tend to price them at prohibitively high prices that normally work to their detriment rather than to their advantage in the long term.

However, one can't really blame these property owners exclusively because to some extent, real property appraisers or valuers as they are sometimes called, also contribute to this problem in one way or another. When contracted to help value a piece of real property, they normally value these properties on the high end and hence contribute unknowingly to this trend of high property values.

Moreover, there seems to be no Uniformity and Consistency when it comes to property valuations in the Zambian real estate market and industry! That's why some financial lending institutions have ended up creating a section in their organizations that offer property valuation services to there clients to avoid inconsistencies in property valuations in the Zambian real estate property valuation industry.

But then even the entrance and participation of such financial lending institutions in the property valuation arena hasn't helped so much as to help with the problem of pricing properties highly!

And this therefore has left this matter of high pricing of properties to the Market Forces ONLY to help determine how much a piece of real property is really worth at any given moment in time especially when it comes to people who are trying to buy or invest in real estate using their own hard earned liquid cash rather than using borrowed money from the banks.

Well, the answer is a definite YES!

There are actually about Two FREE Ways that can help Anyone estimate or determine the value of a piece of real property without actually spending a dime or ngwee. And One other Paid Way or Method of calculating property values for those that have the money to spend!

These are as follows:

Comparing a particular piece of real property's current sales price with other homogenous or similar properties in a certain geographical location that have been sold before or are listed for sale in the community is one of the two FREE ways to help one come up with an estimated and fair property market value or Sales Price! WHY? Because if you know what other similar properties sold for in terms of price previously, then you'll be in a better position to determine the approximate value of the current piece of property you're looking at now. Therefore, the fact that a piece of real property is priced at a certain figure now does not necessarily mean that that is it's real and actual value.

However, this may not be an accurate way of determining property values, BUT it is a very good yardstick for verifying and establishing the F.M.V (Fair Market Value) of the subject property you're currently considering to buy or invest in - if you intend to pay for it using your own hard earned liquid cash other than borrowed money!!

So, dear blog reader and real estate investor, apply wisdom and shrewdness when valuing, buying and/or investing in real property. If you do not have past sales figures for the particular similar property you're currently looking at now, then get professional help from your real estate agent or other realtors. This information is normally available as "Comparable Sales Reports".

This is equally another FREE way to help anyone calculate or determine the value of a piece of real property one wishes to buy or invest in. This way or method of calculating property value requires a little bit of education on how to go about it but it is also a good way to help one come up with a property's value. This method of calculating value is normally used in transactions involving commercial properties or rather income generating real properties such as office buildings, lodges, motels, hotels, shopping malls, etc that require people to rent them or live in.

Therefore, investors or people considering purchasing or investing in a certain piece of commercial property can use this Income or Cash-flow Analysis Method to help them determine or calculate the current value of the subject property they are currently looking at based on income earned from similar looking properties or the particular property's previous and/or projected next-year net operating income / cash-flow. They use what is popularly known in real estate circles as a "Cap Rate" (Capitalization Rate) to help find or calculate the value of a piece of commercial property they're interested in.

The formula for calculating a piece of commercial property's value is:

Value = NOI (Net Operating Income or Net Rental Income) divided by the Capitalization Rate of the Area.

So, How Do You Find The Figures To Use In The Above Formula?

Well, You find the figures to use in the above formula by using another similar commercial property's operating income and it's recently sold price in order to first find the Cap Rate for the area and then apply it to the property in question to determine it's current value based on income.

For instance:

1. Research the recently sold price of an income generating property in a certain area of your choice, such as an office building or Shopping Mall.

E.g : A Twenty units rental Office Building just recently sold for $300,000

2. For that same Twenty units rental office building, determine or find out the net operating income, or the net rental income realized by the owners of the same building.

E.g: The rental income after expenses (net) is $24,000

3. Divide that net operating income you find by the sale price to first get or find it's Cap Rate.

E.g: $24,000 / $300,000 = .08 or 8% (The Capitalization Rate)

4. Follow the above mentioned formula for calculating or determining the estimated current market value of the commercial property you're currently interested in or wish to buy or invest in.

E.g $24,000 (Net Operating Income) ÷ 8% (0.08) Cap Rate = $300,000 (The Current Estimated Value of the Commercial Property you're interested in!!

Also, a commercial property's Cap Rate can be found by dividing the particular property's projected next-year net operating income by its value. Such that a property's net operating income, or NOI, equals gross rental income minus operating expenses including vacancy losses.

For example, a commercial property with a projected next-year net operating income of $10,000 (NOI) and a $100,000 market value has a 10 percent Cap Rate.

So that the property's current Market Value = $10,000 ÷ 0.10% (10%) which is actually $100,000 confirming the validity of the above mentioned formula for calculating a particular piece of real property's current market value!!

Therefore, if you happen to have any questions, concerns, worries, uncertainties etc about this method or way of calculating real property values, then please consult your real estate agent or realtor for help.

And the last way or method of determining property values is:

This way or method of determining property values isn't a FREE way or method. It involves using or spending your hard earned money to get what you want. This is the most common and fastest way of determining property values for many people as well as several organizations that offer mortgage financing.

Getting an Official or Certified Appraisal or Valuation Report can provide you as a buyer or seller of real property with the most crucial information you need aside from the other two free ways or methods of calculating property values and help you establish the range for your negotiations with the various sellers or buyers whatever the case might be.

And if you're trying to buy a piece of real property using mortgage financing from one of the various financial lending institutions, then you have no choice but to use this very way of obtaining property values because this is the only way these institutions accept before they even consider processing your application.

Should you therefore decide to get an appraisal, then please have it done by an appraiser who is recognized by conservative financial lending institutions to at least make sure that the estimated value you're provided with is conservative in both your own observation and that of the average financial lending institutions. Sellers won't probably pay for an appraisal and then sell the property to you for much less than the appraisal itself. So, it is recommended that you as a buyer make your offer subject to an appraisal of the property if that is fine with both parties to the deal or transaction at hand. In this way, you set the price in advance before the appraisal of the property, and if the appraisal comes in at too low or too higher a price, then you'll be able to renegotiate with the respective seller.

The only challenge however that this method of calculating or determining property values has, is that it can come at a seemingly high cost to both seller and buyer whichever the case might be but it is one of the best ways of determining property values except that in most cases, the values appear to be too prohibitively high compared to the Fair Market Value obtaining at a particular point in time in the market!

However, this can be a subject of negotiations by the various concerned parties to the deal at hand!

So, hope you got something of value out of today's blog post. Talk to you soon.

Looking to Buy, Sell, Rent or simply Rent Out a piece of real property? Then click on the highlighted words right within this very sentence for details.

I love to hear your comments! Both positive and negative comments are all welcome. So, go right ahead and drop a comment below.

In these hard economic times, some people - whether on the Internet or Offline - resort to all sorts of deceptive tricks, impersonation and manipulation in order to lay their hands on other people's hard earned money through trickery and outright lies!

What really am I talking about exactly here?

Well, dear blog reader and real estate investor, maybe the following real and actual life scenario which happened to me will help drive the whole point home. Continue reading below.

I happened to receive a certain email from a lady prospective real estate customer calling herself as a Mrs. MARIA KHUMALO interested in buying one of the houses I'd listed for sale through one of my advertising and marketing channels. The email she sent me read as follows:

"Dear Sir/Madam,

I am Mrs. Maria Khumalo and I want to buy your Property, and I will want you to furnish me with more details regarding your Property if possible more pictures and your last prize and you can reach me on my email address: ([email protected]). Waiting for your response.

Regards,

Mrs. Maria/Mr. Micheal Khumalo {For the Family}".

And as per good trade and business custom, I immediately responded to her request without wasting much time for I was convinced beyond reasonable doubt that she was a very serious customer. I responded:

"Hi Mrs. Maria Khumalo,

Thank you so much for showing interest in what we have to offer you in terms of your real estate and other property needs.

Concerning the house for sale you're interested in, you may view more pictures of the same house by visiting this website below ->

http://www.davikrealestate.com/houses-for-sale.html.

About the selling price, that can be discussed once you declare serious interest in the particular house for sale.

Thank you once more for your interest in what we have to offer you in terms of your real estate needs and looking forward to doing good, ethical and satisfactory real estate business with YOU!

Looking forward to hearing from you once more.

Sincerely,

David Kapalu- Property Consultant,
Creator & Founder of: www.davikrealestate.com".

However, the next response I received from her shocked me. Here it is for your perusal and scrutiny:

"Dear David Kapalu,

Thanks for your detailed information regarding your Property. I want to know if you are a sincere person and I would also like to inform you that I want to buy your property and also carry out a big transaction with you that will benefit both of us.
It is my desire to buy property, however, I would like you also to help me and my only son to move to your country this money US$18.7Million.

This money is currently deposited with a private security company, because our status here as asylum seeker forbids us from conducting any bank transaction.

The reason I contact you again is because of my belief that you are able to help recover the fund and to invest it.

My son and I have decided to give you 23% of the total 7% for reimbursement of incurred costs and 70% for our family investment under your guide and supervision. I wait for your mail to give you all the details of your role. Please inform me of your number to call you

Contact my only son for oral communication

My Best regards

Mrs.Maria/Mr. Micheal Khumalo

{For the Family}

Telephone +0027727051898".

Immediately after finishing reading the above email she sent me, it then dawned on me that I was dealing with an Internet Fraud-Star bent on conning and tricking me in buying into her well planned money trickery schemes. I then decided to write her a STINKER as follows:

"Please whatever you call yourself, I'm NOT interested in your Money!!! Please find a very good charitable organization like a church or orphanage and donate your Money to them. If you want to buy property, just buy property and STOP dangling carrots in front of unsuspecting hungry people! Take your Money to the people who need it the most and not me of course. I have more than enough please".

And after sending her this STINKER, I never heard from her again. That was the end of her dreams of allegedly wanting to buy real property from me and/or swindling me out of my own little hard earned money!

So, what is the key lesson to learn out of this very real life encounter of mine with this so called Mrs. KHUMALO and her suspicious family label?

Well, the key lesson to take out of this real life experience of mine is that their will ALWAYS be some people in every walk of life - whether in the real estate industry or otherwise - who'll be there to try and con you out of your own hard earned money if you're not shrewd enough as an individual or corporate entity in detecting and knowing their crooked ways.

Similarly, this same scenario also applies in the Offline-Line World or Real World side of our life where you and I live and interact with each other on a daily basis. There are some certain highly crooked people who are in the habit of placing small classified adverts in the various daily newspapers and other distinct forms of advertising media and advertise real properties for sale like houses for instance. And when you happen to respond to their adverts, they'll take you around to see some supposedly houses for sale without the actual owners of the said houses knowing that their houses are being used as bait by these property fraud-stars in order to trick and swindle people out of their hard earned money.   

What normally happens is that once you respond to their advert concerning the house/s they have listed for sale in the daily newspapers or anywhere else, they'll then set up an appointment with you to physically view the said house you're interested in as per normal business practice. And on the material day in question of viewing the said house for sale, they'll take you almost near a certain particular house and then show you the house at a distance. These fraud-stars normally work in a group of say three to four people. Each one of them has a role to play in the scheme. Their chief aim being to convince you in buying into their pre-planned operation whether for selling real property or otherwise. But they normally use real estate as a basis for conning people. And they usually do this without the legal owner of the house knowing what is going on as earlier on alluded to.

So, what happens is that when you reach closer but not necessarily at the subject house in question they've earmarked for using to con you, another member of the group who knows the whole operation will normally come and join them in your presence. This person sometimes comes in and introduces a totally different story unrelated to the sale of real property and brings in the business of precious stones such as diamonds or emeralds. And together they try to involve you in the said business of precious stones by asking if you could be interested in the same.  And if you seem gullible, one of them will suggest that you contribute a little something towards the same business. And if you do, that will be the end of your hard earned money never to recover it unless assisted by the police of course! Why? Because if you do give them that money, that will be the last time you'll ever see and hear from them.   

Therefore, if you happen to respond to a real property advert in the newspaper or indeed anywhere else where real properties are being advertised and on the material day of viewing the said house for sale you find yourself discussing issues unrelated to your main objective, then PLEASE KNOW that you're dealing with Conmen! Find a way to get away from them or simply drive off to the nearest police station and report such characters! Otherwise you run the risk of being swindled out of your own hard earned cash!

So, be careful and exercise maximum restraint when dealing with people on the Internet as well as those that advertise their real properties for sale in the print media. You'll never know when you're dealing with fraud-Stars until you take the time to study and comprehend their characteristics and habits. Try to find out who they really are, what exactly they do for their living if they profess to be owners of the subject property you're interested in, why they are selling the said piece of property and if their are any valid documents such as title deeds and verify these things by visiting the concerned land authorities such as the Ministry of Lands or the Local Council in your area before you produce any monies to such individuals. Take that extra caution to make sure you're NOT dealing with a conspiracy of some sort.

If you wish to know how to spot Internet Fraud-Stars and their characteristics, here are just a few pointers to help you identify them before you get swindled. These were adopted from one of Google's Help or Support Pages. Check them below:

• Content that's usually associated with spam such as Mature Content and "Get Rich Quick" Schemes,
• Messages that falsely appear to be a "bounced message" response (a system-generated email that you might automatically get after sending a message that can't be delivered such as a message sent to an invalid email address),
• Messages sent from accounts or IP addresses that have sent other spam messages,
• Behavior of other fellow email users, such as many people reporting spam from a particular sender or set of senders,
  
• Similarity to other spam or phishing messages based on a combination of things like subject matter, elements like spelling and formatting, and suspicious attachments
• A difference between your email service provider's language preference and the language used in the message,
• Someone sending you an unsolicited email wanting you to help them transfer some money from a foreign bank account into your local bank account and promising to pay you a cut or little percentage from the same for helping him or her do just that,
• Someone anonymously asking for your personally identifying information via email,
• etc.
  

What You Need To Know:

It's important to be on the ALERT for Phishing Scams, that is to say, messages that try to trick you into sharing your personal information like your passwords or credit card details. Deal ONLY with people you know and trust and have had some personal and business relationship with for sometime. And for any such suspicious messages you receive, its highly recommended that you avoid clicking links or any attachments in these messages and do not reply to them if possible! Moreover, these Fraud-Stars can hack into the email accounts of people you may be having a relationship with and send email messages from that account to appear as though it were the person you know and trust who sent that particular email message when infact not!

Therefore, apply due diligence and care when dealing with people of all kinds, whether on the Internet or in the real world. This way you insulate yourself against being defrauded out of your own hard earned money.

So, until next time, go well in your real estate purchasing and investment endeavors.

NOTE: Want To Buy, Sell, Rent, or Simply Rent Out A Piece Of Real Property? Then Click On The Highligted Words Right In This Very Sentence For Details.

I love to hear your comments. Both positive and negative ones are all welcome. So, go right ahead and drop a comment below.

What do You do as an Individual Seller of Your own House when You find Yourself in a Pinch and in Terrible Need of Fast Cash due to Unforeseen Circumstances and/or Personal Problems?

Well, dear Home Seller or Estate Agent, selling one's house or real property as fast as possible can be such a great challenge indeed. Selling real property in today's competitive real estate market entails having a competitive edge over your competition to enable you stand out from the crowd. With the market conditions currently favoring buyers, sellers and their estate agents will need to be willing to negotiate when it comes to the selling price, terms and conditions.

Well, what I mean by this is that sellers and their estate agents will need to be willing to negotiate with the prospective and distinctive buyers of their property in five (5) major areas as well as make a graphic differentiation between the types of buyers they are attempting to target in order to market and/or sell their properties in the most appropriate manner.

You see, dear Home Seller or Estate Agent, establishing the type of buyer you wish to target first will greatly help you as a seller of your own home to come up with a buyer's profile, needs, wants, tastes and/or selection criteria as well as how best this type of buyer should be best approached from his or her own stand point in order for you to sell that house as fast as possible!

It is therefore crucially important to remember that distinctive features and styles of different houses will appeal to different types of buyers according to their own distinctive tastes and the types of houses they are currently searching for with a view to buying them.

Generally speaking, real estate property buyers can be divided into four (4) main different categories of buyer types. And these 4 different types of real estate buyers can each be uniquely marketed to and have each one of them buy the houses of their dreams according to their own special needs and wants and eventually make you the seller dispose off your property in record time.

Put in other words, each one of these 4 main different categories of real estate buyers can best be sold to differently using different selling strategies that are both attractive and appropriate to each one of them!

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TAKE NOTE OF THIS =>: If clicking on the following Special "G-How To Sell Your Own House FAST" Order Button below displays a message like this one -> "Sorry, This Item Is Not Available In Your Location", then PLEASE use the other two (2) alternative payment methods mentioned below this very Special Order Button below. Otherwise, this Item or rather this very Special Online Report is readily available as long as Your payment is accepted and received!!

IMPORTANT NOTICE: If entering Your Credit Card/Debit Card details in the Payment Form Section on the Secure Order Web-Page makes You develop Cold Feet for the time being, Then You're totally FREE to use the Airtel and MTN Money system of payment. If You happen to use this system of payment, then please remember to SMS me Your Name, Valid Email Address, Cell-phone Number and the Amount Paid. Use the following Cell-phone Numbers for Your payment via this system: +260 977 805045 or +260 966 388525. And Once Your payment is received, I'll immediately send You a link to a secure and password protected webpage together with the password via the Email Address You provide to enable You have Instant Access to this very Online Special Report.

Or, alternatively, You may choose to pay using the following Bank Account. See details below:

Bank Name          :       Zambia National Commercial Bank Limited (ZANACO)
Branch Name       :       Twin-Palms Shopping Mall Branch, Lusaka, Zambia
Account Name     :       David Kapalu
Account Number  :     0577439100113
Swift Code              :      ZN CO ZMLU
Sort Code                :      073
Please immediately after making the payment, remember also to SMS Your Name, Valid Email Address, Cell-phone Number and the Amount Paid to one of these Cell-Numbers here ->: +260 977 805045 or +260 966 388525

So, what are You scared of and waiting for?

Go right ahead and order this Special Online Report NOW using any one of the above mentioned payment solutions if paying using Your credit or debit card makes You feel jittery and uncomfortable!!!

The last but not the least deadly mistake people commit when buying and/or investing in real property is Deadly Mistake No. 7. This particular deadly mistake is actually committed by the majority of the people especially those buying or paying for real property in installments. WHY? Because of ignorance in such matters. Period!

And this is the very reason why people MUST deliberately take their time to educate themselves in such matters to avoid falling prey to such blunders.

One does not need to posses a PHD in such matters in order to know these things but just some basic knowledge and understanding. That's all.  WHY? Because such knowledge and understanding can save one a hell lot of money and infinite headaches!

Well, dear blog reader and real estate investor, it is simply this :

Well, in order to understand what is meant by this very deadly mistake, we need to first of all look at the words used in the particular mistake mentioned above.

The first word we need to look at and understand is the word "DEED". This word in real estate circles means a document that transfers ownership of real property.

The second word is the word "RE-CONVEYANCE". This word means to re-transfer ownership of real property from one person (entity) to another.

And the last word we need to look at and understand is the word "ESCROW". This word means the depositing of funds and other relevant real estate documents with a neutral third party together with instructions on how to conduct the closing of the real estate deal especially where the buyer is paying by way of installments. This neutral third party (a person or corporate entity) that holds these funds and documents is known as an Escrow Agent or a Conveyance r as in the case of our local Zambian setup. He (Escrow Agent or Conveyance r) is normally a disinterested third party in the deal at hand who prepares and keeps these relevant documents along with the monies deposited by the buyer and spearheads the buying, selling and transfer of the real property in question until the whole deal is concluded. This escrow agent can be a real estate consultant, the department of a financial institution, a legal person such as a lawyer, a title research company, or some other organization established for that purpose and which happens to posses  expertise in real estate document preparation. The escrow agent's neutral nature guarantees that all your interests as a buyer as well as as a seller are taken care of without any favoritism whatsoever!

Therefore, it's ALWAYS a wise idea to engage the services of an escrow agent or Conveyance r even when you're buying real property from your father-in-law!

Thus deadly mistake no. 7 which is : NOT PLACING THE DEED OF RE-CONVEYANCE IN ESCROW simply means - a legal instrument or document written and signed by the seller that releases all lien interest in the subject property being sold and re-transfers a seller's property from him/her to the buyer upon completion of the full payment of a previously agreed upon valuable consideration and normally should be placed in escrow but happens NOT to be done so. This normally happens due to the ignorance of the buyer.

And if you're a seller, make sure also to make the buyer sign what is known as a "QUITCLAIM DEED" and have him/her place it in escrow as well to protect your interests. A Quitclaim Deed is a legal instrument or document written and signed by the buyer for the seller so that should the buyer breach the real estate purchase contract, then the buyer stands to indemnify the seller for loss of time, money and indeed anything else related to the deal at hand. It is also normally placed in escrow as security to compel the buyer abide by the terms and conditions of deal so that in the event that the buyer fails to honor his obligations under the contract, then the seller shall be free to take back his property together with any other deposit monies the buyer could have made!

This therefore concludes our series of the 7 deadly mistakes people make when buying real property. Hope this has been of great help to you.

Just in case you may not have read the previous 6 deadly mistakes, well, read about them HERE starting with the very first one HERE.

Recommended further reading on buying real property in the Republic of Zambia as well as the procedures and requirements to be followed and adhered to, is found HERE! Please check it out and read it for Yourself. You'll be happy that You did!!

I love to hear your comments. Both positive and negative ones are all welcome. Besides you're also totally FREE to share this very blog post with your friends and other people you know by hitting the "LIKE" or "SHARE" button below.

Therefore, go right ahead and drop a comment below as well as hitting the "LIKE" or "SHARE" button.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence.

Deadly Mistake No. 6 is equally one of the commonest blunders would be purchasers of real property commit. In fact this deadly mistake is committed by most people. WHY? Because it never really occurs to them until it's too late.

WHAT EXACTLY THEN IS THIS VERY DEADLY MISTAKE NO. 6 I'M TALKING ABOUT?

Well, dear blog reader and real estate investor, this deadly mistake is simply this:

THE REAL ESTATE PURCHASE CONTRACT NOT PROPERLY REFLECTING PRORATION OF ALL THE NEGOTIATED ITEMS!

WHAT IS MEAN'T BY THIS?

Well, first things first. In order to understand what is mean't by the above mentioned preceding deadly mistake, let us start by looking at the word "PRORATION".

The word "PRORATION" comes from the word "PRORATE". What then does this very word "PRORATE" mean in real estate circles? Well, it simply means to divide income and expenses between the seller and buyer according to mutually agreed and accepted terms. This is normally done prior to signing the purchase agreement and then eventually reducing the same into writing and having both parties appending their signatures to the same. This is so in order to avoid any unnecessary surprises in the near future after the deal is sealed and concluded especially on the party of the buyer.

Well, the items that need to be properly prorated and then eventually reflected in the purchase agreement include but are not limited to the following:

i. Property Taxes Such As Land Rates

For instance, if the seller of the property in question hasn't been paying these statutory obligations of land rates and they happen to accumulate to certain uncontrollable and unmanageable levels, you - the buyer - could find yourself in serious problems. You may loose your investment via what is known as a Tax Sale. And your investment efforts would have been in vain.

So, always make it a point to verify if the property in question is up to date in terms of land taxes so as to enable you properly prorate such an item before you conclude the deal thereby avoiding the inconvinience that go with this. You could also use this to help you negotiate a lower price in direct proportion to the amount of unpaid taxes.

ii. Utility Bills Such As Water, Electricity and/or Service for Garbage Collection

For instance, I personally know of a certain man in Ndola Town namely a Mr. Mukuka who bought a house from some seller whose house had an accumulated water bill of up to K1,400,000=00 / KR1,400=00. Mr. Mukuka, a retiree and someone who has not been educated in such real estate matters, got excited with the prospect of owning his own home and went ahead to consumate the deal. He paid the seller for the subject house in full. But later on when he was attempting to change the billing details with the water utility company to reflect his names, he discovered that there was a huge water bill to the tune of the amount stated above. However, when he tried to talk to the previous owner about this, the man simply told him that it was already too late. He had already used the money and besides the man told him that this wasn't part of the purchase agreement even though he had prior knowledge of the same before selling the house to Mr. Mukuka. And Mr. Mukuka couldn't do anything because he was the new owner of the house and had no choice but to foot the said water bill lest the water service be disconnected. If Mr. Mukuka on the other hand had taken his time to verify such issues, he would have discovered this and used that information to his advantage to negotiate a lower price in direct proportion to the amount of the water bill unpaid.

Therefore, in order to avoid finding yourself in such situations, always verify these things before you consumate and conclude your deals!

iii. Rental Fees and Security Deposits If Your Particular Deal Involves Rental Property

When dealing in income generating real estate such as rental property, whether commercial or residential, always make it a point to find out if their was any advance rental fees and security deposits paid by the sitting tenants. WHY? Because these monies paid in advance by the tenants may be required to be paid back to the tenants should they decide to vacate the said premises in question due to unforeseen circumstances beyond their control and yours. And if you did not properly prorate such items in your real estate purchase contract, you could find yourself in serious refund liquidity problems and therefore be held liable to pay back such monies for being the owner of the property in question.

So, to avoid falling prey to such hiccups or problems, always verify these things before you consumate and conclude your deals!

And besides, it gives you the advantage of reducing the selling price by the same amount involved thereby enabling you to purchase the said property in question at a favorable price. I talk about such techniques or strategies in details in a certain e-course called "How To Buy Real Estate Using Little or Non of Your Own Money at All" -> HERE! This e-course is worth $20 (K100,000 / KR100). So, check it out HERE! It's still very FREE at the moment. But in due course I plan to offer it on a cash subscription basis. So, take advantage of it NOW while it's still very free!!

iv. Any Other Items That Need To Be Properly Prorated Before Hand


There are other items not mentioned above that you as a buyer can determine and then decide to properly prorate them before hand. This is very important to you just as you've read above. It helps to protect your interests should their be any deliberate misrepresentation on the part of the seller. If you properly prorate them in advance and then reduce them into writing and include them in your real estate purchase contract, it will enable you to repudiate the contract should you discover otherwise later on.

Therefore, always take this into consideration whenever you make up your mind and decide to purchase a particular piece of real property! It will save you many years of living in regret.

Hope this has been of help to you.

NOTE: Read Deadly Mistake No. 7 ->HERE!

I love to hear your comments. Both positive and negative ones are all welcome. Besides you're also totally FREE to share this very blog post with your friends and other people you know by hitting the "LIKE" or "SHARE" button below.

Therefore, go right ahead and drop a comment below as well as hitting the "LIKE" or "SHARE" button.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence.

Deadly Mistake No. 5 isn’t so much of an issue for most people wishing to buy or invest in real property.  Infant, this mistake is rarely committed by most people.

WHY? Because the majority of Would- Be- Purchasers of real property normally and always try by all means possible NOT to commit this kind of mistake. WHY? Because it almost happens naturally when a person finally decides to purchase real property.

However, there are a few isolated cases where some Would – Be – Purchasers of real property negligently commit this very deadly mistake due perhaps to the sweet- talk of the Con-seller including some unscrupulous real estate agents representing the seller!

BUT WHY WOULD SOME SELLERS AND THEIR AGENTS DO THIS?

Well, there is nothing more than to make some quick bucks and then disappear before -YOU- the buyer actually has the time to discover for Yourself.  

It is therefore the purpose of this very blog post today to help remind the not so shrewd real estate buyer and/or investor to take that extra caution when he or she decides to buy or invest in that piece of real property.

WHAT EXACTLY THEN IS THIS DEADLY MISTAKE No. 5 PEOPLE MAKE WHEN BUYING REAL PROPERTY?

Well, dear blog reader and real estate investor, the particular deadly mistake I’m talking about is this:

 CLOSING OF THE SALE OR DEAL TAKING PLACE DEVOID OF A PROPER TITLE SEARCH!

You see, when you make up your mind to buy a piece of real property, you MUST by all means possible make sure that You DELAY the closing of the sale or deal until you have exhausted and reviewed all the necessary property information such as the property description, the name of the owner/s, whether there is a caveat (Legal Warning Not To Sell To Anyone - Placed By An Interested Party Due To Various Reasons) placed on the said property in question or not, etc including all unpaid expenses such as land rates, water bills, electricity bills, garbage collection bills and indeed any other encumbrances placed on the property to avoid any rude shocks later on. Moreover, the Title Deed MUST also be the right one - properly reflecting the correct details of the Owner/s including the property itself and NOT a forged document.

HOW DO YOU TELL WHETHER THE DOCUMENT YOU’RE LOOKING AT IS A GENUINE ONE OR NOT?

Well, by VERIFICATION of course, through the relevant government agencies such as the Local Authorities like the Local Councils and the Ministry of Lands! These agencies keep a record of all the properties in the country. You can do yourself some great justice and favor by Verifying the documents of a piece of real property before you Cash in on it!

And if you’re trying to buy income generating real estate such as rental property whether commercial or residential, You MUST also take the time to review the incomes disclosed to you during the purchase process as well as the occupancy/vacancy rates or ratios in order to prove for yourself whether the figures suggested to you are correct or closer to the suggested figures or not.

Well, dear blog reader, I hope you’ve gotten something of value out of this very blog post today. So, go well in your real estate searching endeavors.

NOTE: Read Deadly Mistake No. 6 -> HERE

I love to hear your comments. Both positive and negative ones are all welcome.

Therefore, go right ahead and drop a comment below.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence to have a look.

Deadly Mistake No. 4 is another common mistake people make when buying real property. In fact, in Africa, this mistake is rarely committed. WHY? Not because the majority of the people in Africa are aware of it BUT because most of them are NOT educated enough in real estate matters.

However, in the western world such as the United States of America and part of Europe, most people there take the initiative of deliberately and intentionally educating themselves in such matters with a view to enhancing and expanding their individual real estate investment portfolios. WHY? Because many of them have realized that an Educated Mind is an Enlightened Mind and therefore helps reduce the levels of loss or risks associated with investing through proper and informed decision making processes!

Of the many that have taken deliberate steps to educate themselves in matters of real estate investing, some of them for one reason or another have ended up committing Deadly Mistake No. 4 I'm discussing today. And I'm NOT in any way suggesting that my fellow African brothers and sisters are not educated enough but simply stating the fact that this deadly mistake no. 4 is rarely committed by them BUT commonly committed by our learned western world brothers and sisters who have taken the time to learn these things and due to one reason or another, have found themselves committing today's deadly mistake.

WHAT THEN IS THIS DEADLY MISTAKE NO. 4 I'M TALKING ABOUT?

Well, the particular deadly mistake no. 4 I'm talking about is simply this :

Financing Agreement Not Containing Non-Recourse or Exculpatory Clauses!

WHAT EXACTLY DO I REALLY MEAN BY THIS?

You see, dear blog reader, when it comes to buying real estate, most people do not KNOW that they could actually purchase real property by turning the seller into a Lender and therefore buy the property from him! In other words, you could obtain what is known in real estate matters as "Seller Financing". This, like I earlier on alluded to, can enable you - the buyer - to agree with the seller and turn him or her into a long term lender say twenty years and then pay for the property using monthly payments until the whole amount agreed upon by both parties is fully paid.

This arrangement is good for both the seller and buyer.

It is good for the seller who finds himself or herself in a pinch and badly needs cash to help him or her sort out some immediate personal and family problems. Instead of the seller selling his property for a full upfront cash payment which normally takes time, he or she can sell his property via what is known as 'Seller Financing' and allow the buyer to pay for the property in question through monthly payments at a good rate of return for say a twenty year period. And besides, it provides the seller with some Passive Income for the period of the loan until the full amount is fully settled. This strategy is best suited for a seller who owns a number of real properties and therefore wishes to convert one or two of them into passive income via intelligently calculated and reasonable monthly payments over a period of time in order to avoid the daily encumbrances associated with tenant/lord relationships!

This strategy is good for the buyer in the sense that it enables him or her to buy the property of his or her dreams affordably without having or possessing colossal sums of money. With just a small amount of cash or anything in kind used in lieu of cash, a buyer can own property whilst still paying for it. And if the buyer wants, he could easily rent it out so it can help him or her pay for itself!

Such a technique of acquiring real property is known as a "Creative Finance Technique". I talk about this very technique in detail including many others HERE. So, if it's your desire to learn more of such creative finance techniques, then please click HERE to have access for FREE to such detailed information!

Therefore, when I talk of committing deadly mistake no. 4 which is "Financing Agreement Not Containing Any Non-Recourse or Exculpatory Clauses", I mean and refer it to a real estate deal structured with a Seller Financing Agreement in place. It is in such an agreement where you - the buyer - MUST be very careful.

In such kinds of Purchase and Financial Agreements, you must make sure that as a buyer, you incorporate in such agreements what are known as "Non-Recourse or Exculpatory Clauses". WHY? Because  these limit or reduce your loss via foreclosure to the property or asset pledged as security (Your Collateral). Moreover, such clauses also enable you - the buyer - to back out of the deal or contract should there be some misrepresentation or problem of some kind in the near future whilst performing and fulfilling the terms of the agreement.

However, it may NOT be possible to secure this kind of an agreement when negotiating a loan with a bank or any financial lending institution, but it must be a part of any agreement that specifies an Owner Financed Deal.

Therefore, as you've probably read and seen for yourself, very few people KNOW these THINGS and you'll DO yourself a GREAT favor by Learning and Knowing about these Things HERE and so avoid this very deadly mistake no. 4 discussed herein today including the past ones!

So, dear blog reader, the next time you go out and settle for a certain piece of real property, you MUST ALWAYS make sure that you avoid committing this particular deadly mistake discussed herein including the previously discussed ones as well as the upcoming ones to be discussed later right here on this very property blog.

So, until next time, go well in your real estate searching endeavors!

NOTE: Read Deadly Mistake No. 5 -> HERE

I love to hear your comments. Both positive and negative ones are all welcome.

Therefore, go right ahead and drop a comment below.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence to have a look.

Deadly Mistake No. 3 is one of the 7 Commonest Mistakes or Sins most buyers of real estate commit. Not only is this mistake committed by buyers, but it is also equally committed by Would - be - Tenants or Renters of real property especially Commercial Properties.

In fact, for most people, it never really occurs to them that this should or rather this MUST ALWAYS be the case when they decide to purchase the property of their dreams! They get carried away by the excitement of the moment i.e owning the property of their dreams. So, they indifferently and negligently commit this very deadly mistake which in the long term and in most cases turn out to work to their detriment

THEREFORE, WHAT THEN IS THIS VERY DEADLY MISTAKE NUMBER 3 MOST PEOPLE COMMIT WHEN PURCHASING REAL ESTATE?

Well, dear real estate investor, the particular deadly mistake you may have been committing unconsciously is simply this:

NOT HAVING A QUALIFIED AND INDEPENDENT NEUTRAL THIRD PARTY HANDLING & WITNESSING THE CLOSE OF YOUR REAL ESTATE DEAL!

WHAT THEN IS EXACTLY MEANT BY THIS?

Well, perhaps the following little scenario will help drive the whole point home. When John Mweemba, my traditional cousin, decided to purchase his dream house, he told the seller of his intentions. The seller, as usual, had already prepared an Offer - To - Sale Agreement in advance with his best interests taken care of, making the buyer indifferently and negligently commit deadly mistake no. 1 previously discussed in one of the previous blog posts. And at the time of closing the deal, the seller invited his brother, an accountant by profession, to witness the close of the deal. The deal went ahead and John Mweemba paid the seller for the property in question in the presence of the seller's brother. All the three of them signed the Sale Agreement and John Mweema left as the new owner of the house in question.

WHAT MISTAKE/S DID JOHN MWEEMBA COMMIT?

Well, John Mweemba committed several mistakes in the above narrated little story ; some of which we are yet to discuss in the upcoming blog posts. The particular mistake John Mweemba has committed at stake is Deadly Mistake No. 3 we're discussing today!

You see, the seller's brother although an accountant by profession, did NOT qualify to be an "Independent and Qualified Neutral Third Party" to handle, close and witness John Mweemba's real estate deal. John Mweemba, by allowing the seller's brother to be the closing agent, forfeited the Qualified Nature of his real estate deal should any problems arise out of this very sale.

Therefore, in your quest to buy and/or rent the property of your dreams especially commercial properties, you MUST ALWAYS make it a point to ensure that you have a Qualified and Independent Neutral Third Party to handle, close and witness your deals to avoid any potential problems in the near future.

In John Mweemba's case above, an accountant is not a qualified real estate closing agent. Although a professional, an accountant is not held to be a qualified closing agent when it comes to real estate matters.

THE QUESTION YOU MAY BE ASKING YOURSELF RIGHT NOW IS, "WHO THEN QUALIFIES TO BE CALLED A QUALIFIED AND INDEPENDENT NEUTRAL THIRD PARTY?

Well, dear real estate investor, your guess is my guess! There are quite a number of professional people who pass the test of being called "Qualifed and Independent Neutral Third Parties". These include but are not limited to the following class of professionals, that is to say, Lawyers, Escro Closing Agents, Real Estate Professionals or Agents and/or Archtects!

Therefore, dear real estate investor, the two most important words you must ALWAYS look out for when closing your real estate deals are "Qualified" and "Independent". If you indifferently and negligently allow a real estate deal to take place devoid of these two necessary ingredients, then you are teetering on a tightrope over an investment catastrophe! When John Mweemba, above, permitted the seller's accountant and brother to witness and close the sale, he outrightly broke the requirement for an independent and qualified real estate relationship between himself and the seller. When the seller used his brother and accountant to close the real estate deal instead of either using a professional real estate agent, escro agent, or a legal officer, he forfeited the qualified nature of the deal.

Truthfully speaking, an accountant is a professional but accountants are NOT usually considered to be qualified real estate closing agents!

So, dear blog reader, the next time you go out and settle for a certain piece of real property, You MUST ALWAYS make sure that you avoid committing this particular deadly mistake discussed herein including the previously discussed ones as well as the upcoming ones to be discussed later right here on this very property blog.

So, until next time, go well in your real estate searching endeavors!

NOTE: Read Deadly Mistake No. 4 -> HERE

I love to hear your comments. Both positive and negative ones are all welcome. Therefore, go right ahead and drop a comment below.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence.

The Second Major Deadly Mistake people make when purchasing real property is this:

THE REAL ESTATE PURCHASE CONTRACT (or OFFER-TO-PURCHASE) NOT INCLUDING REFERENCE TO ALL THE NEGOTIATED TERMS AND CONDITIONS

You see, dear potential real estate investor, when negotiating the contents or terms of your purchase agreement with the seller, you MUST make it a point to include and document ALL the Terms and Conditions you mutually and finally agree on with him.

"BUT WHY MUST THIS BE SO?" YOU MIGHT ASK!

Well, because problems or challenges ALMOST ALWAYS result from purchase agreements that imply, but do NOT state specifically, the EXACT Terms and Conditions previously agreed upon by the parties.

WHAT THEN ARE SOME OF THESE IMPORTANT TERMS AND CONDITIONS TO BE DOCUMENTED?

Well, the following is just a summary of some of the important terms and conditions to be negotiated on and documented. These include but are not limited to having or negotiating a proper closing date to give you enough breathing room and maneuverability, the payment of proration items such as unpaid land rates, property taxes, outstanding utility bills, closing costs etc.

Other important terms to be negotiated, agreed upon and documented are : engaging the services of an independent closing agent such as an Escro Agent, proper  financing agreements with the seller if any, as well as any term and condition worthy noting down.

Therefore, as a real estate investor, you must make sure that you exhibit professionalism in your real estate dealings by documenting every term and condition you ultimately agree on with a respective seller. If you don't do this, then you stand or risk loosing big time because of certain omissions in the purchase agreement you could have easily addressed prior to signing the contract.

So, the next time you settle to buy a certain piece of real property, You must make sure that you avoid this deadly mistake no. 2 discussed herein as well as Deadly Mistake No. 1 discussed in the previous blog post.

So, until next time, go well in your real estate searching endeavors.

NOTE: Read Deadly Mistake No. 3 -> HERE

I love to hear your comments. Both positive and negative ones are all welcome. Therefore, go right ahead and drop a comment below.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence to have a look.

There are approximately 7 Major Deadly Mistakes or Sins people commit when buying real estate. These Mistakes or Sins as I like to call them are committed by many people especially beginning real estate investors.

You see, dear blog reader, if you want to conquer an enemy, there are three things you must know and master regarding your enemy before you can actually wedge war against him or her successfully. These three things are:

1. You Must Know Your Enemy's Name,

2. You Must Know Your Enemy's Characteristics or Habits,

3. You Must Know Your Enemy's Place of Abode!

When you happen to know these three things mentioned above, it will then enable you to come up with a strategic game plan for Success to fight your enemy strategically rather than randomly or winning by chance.

The same is true when it comes to real estate investing! You must be in a position to know in advance the blunders that most people make so you can protect yourself when you come across seasoned real property dealers and/or sellers who might intentionally want to take advantage of you because of your lack of expertise and experience in real estate matters.

WHAT THEN ARE THE 7 MAJOR DEADLY MISTAKES PEOPLE MAKE WHEN BUYING AND/OR INVESTING IN REAL ESTATE?

Well, today we start by discussing the First Deadly Sin or Mistake people make when purchasing real property and is as follows:

DEADLY MISTAKE NO. 1 : OFFER TO PURCHASE or (CONTRACT OF SALE) WRITTEN BY SELLER INSTEAD OF BUYER

You see, dear real estate investor, when buying ANY piece of real estate property, You as a Buyer MUST be the one WRITING the Offer-To-Purchase or rather the Contract of Sale and NOT the other way round!

You Must Never Let The Seller Draft The Purchase Contract On Your Behalf!

WHY?

Because the Seller will never include anything in the Purchase Contract he thinks might be to his detriment such as the proper proration of expenses like unpaid land rates, unpaid electricity bills, unpaid water bills, unpaid cabbage collection bills etc on the property in question!

He will only include those things, terms and conditions he thinks are for his betterment! Period.

Therefore, it is incumbent upon you as a buyer to draft this Offer-To-Purchase or Contract of Sale in order to serve your own interests. WHY? Because you're the one producing the CASH or MONEY. Full Stop!

"WHY MUST  I BE THE ONE WRITING THIS OFFER TO PURCHASE OR CONTRACT OF SALE INSTEAD OF THE SELLER", YOU MIGHT ASK?

Well, here are Six (6) Good Reasons why you must be the one doing this activity instead of the seller. Read below:

1. The Greatest Secret To Getting Your Real Estate Investment Deals Done & Accepted FAST By The Distinguished Real Property Sellers Is To Draft The Offers Yourself, Put Them In Written Form and Then Present Them To The Sellers As Quickly As Possible Without Any Delays Whatsoever

The Greatest SECRET to having Your own Highly Coveted Real Estate Investment Deals and/or Purchases go through VERY FAST when negotiating with the various Real Property Sellers is to Use and Apply this One and little known Powerful and Persuasive Negotiating Tool known as 'The Written Offer To Purchase and/or Contract Of Sale and NOT using Mere Oral Agreement Offers only'.

2. PRACTICE AND PERFECT

The process of drafting and presenting Written Offers To Purchase or Contracts of Sales to the various Property Sellers is to the Real Estate Investor what the "Internship" is to the Medical Field. Writing Written Offers is the "Clinical" part of a Real Estate Investor's training that will lead YOU to Greater Success in Your own Deals very FAST. There is no excellent way of comprehending the basics of real estate investing than to learn to write plenty Written Offers especially under the guidance of more experienced real estate investment mentors and/or professionals who can coach you forward.

3. POWERFUL AND PERSUASIVE NEGOTIATING INSTRUMENT

A Written Offer To Purchase and/or Contract of Sale used correctly, can be one of your MOST Powerful and Persuasive Negotiating Instruments in your own arsenal of negotiating tools! The Written Offer normally starts the SERIOUS negotiating process and might have to go through several discussions before all the concerned parties append their signatures to the final terms and conditions.

4. SPECIFIC PERFORMANCE

A Written Offer To Purchase and/or Contract of Sale once signed by all the concerned parties to the deal, serves to open up "Escrow" and immediately begins the clock ticking unavoidably towards the completion of the whole real estate deal. Therefore, it becomes the Main Reason for getting the whole deal completed. So, if the other party decides to back out of the deal for whatever reasons once the Written Offer is signed, the other party can sue for Specific Performance to compel the breaching party to have the deal Specifically Performed and/or Adhered to according to the agreed terms and conditions.

On the contrary, if things were left to Mere ORAL AGREEMENTS only, then most real estate deals would never get to the completion and fruition stage!

5. PROTECTION

The Written Offer To Purchase and/or Contract of Sale holds and keeps in a Legally Binding Manner what you and the seller have mutually agreed to and therefore serves as the BASIS for securing mutually acceptable results. The Written Offer also epitomizes for you the wisdom of many previous real estate deals done before you and thus serves as the accumulation of dozens of crucial clauses or terms and conditions that have been carefully and critically thought of precisely to address difficulties experienced in the past to thwart your going through the same mistakes that other less shrewd investors suffered. It also Protects and/ or Safeguards both your interests and that of your Assigns in the event of the unknown happening including the interests of the seller and his or her Assigns as well!

6. VALUABLE POSSESSION

A Written Offer To Purchase and/or Contract of Sale once signed by all the concerned parties to the deal, and properly and rightly structured, becomes a Lawful Contract or Legally Binding Document which in Itself is a Valuable Asset or Possession to YOU - The BUYER! HOW? Because it is a Possession or Asset You may take to the Market Place and USE it as a REASON for obtaining further FINANCING for Your real estate investment project!

However, You're of course bound by the terms and conditions contained in the Written Offer; BUT in effect it provides You with CONTROL over Valuable Property, and this Control and 'Interest' in the subject property can itself be Assigned to another Person, Sold and/or Traded for another Property with Higher and/or Greater benefits or advantages!

BUT Remember also that the Offer-To-Purchase and/or Contract of Sale you draft as a buyer is subject to review by the seller until you both mutually agree on all the terms and conditions of the contract!

Moreover, My Further Advice Is: You can Secure, Ensure, Enforce, Protect and Safeguard Your Interests and that of Your immediate Assigns in real property investment when You take the time to Learn and Master the Ins and Outs of Real Estate Investing.

And LEARNING and MASTERING how to write Effective Written Offers To Purchase is one such basic rule or principle You cannot afford to Ignore and Master. WHY? Because once You MASTER this basic principle of real estate investing, it will enable You to Secure, Ensure, Enforce, Protect and Safeguard Your Investments once You've bought them and Ensure You earn Significant Real Estate Profits through Proper Negotiations and Documentation via effective Written Offers To Purchase and NOT Mere Oral Agreement Offers only!

If you don't know how to do this, then please engage the services of professional real estate agents or legal officers to help you in this matter. There are so many professional real estate agents out there whose main primary mandate is to help you the client or customer get a good deal without suffering any headaches whatsoever afterwards.

NOTE: Don't Know How To Draft Your Own Legally Binding and/or Professionally Looking Written Offers To Purchase Which You Can Then Later On Use To Help You Get Your Deals Completed very FAST and/or Further Use To Help You Obtain Further FINANCING For Your Own Real Estate Investment Projects? Then Call On David Kapalu Today To Help You In This Matter At A Reasonable Fee!

Call David Kapalu Right NOW For Immediate and Further Assistance on: +260 977 805045 / +260 966 388525 / +260 955 168754.

OR simply email him at: [email protected] indicating your interest in wanting to be assisted in this matter at a reasonable and highly affordable fee.

You'll Be Happy You Did!!!!!!

ATTENTION: FREE Professional Written Offer Strategy Session Consultation! - K150 Value (approximately $30 Value)!

For those people that have realized the importance of understanding the essentials of Written Offers and would like to take their real estate investment efforts to the next level and increase the chances of their Written Offers being accepted very FAST by the distinguished real property sellers, I want to offer something FREE that will help them or the people they care about when it comes to real estate investing so they can achieve that goal more quickly.

I call this something the ‘Professional Written Offer Strategy Session Consultation’. This session is valued at K150 (approximately $30) and I can make it available to only a very limited number of people due to my high busy schedule!

This FREE Strategy Session is ONLY available to people I think QUALIFY for my limited and scarce time due to the reason given in the preceding paragraph.

OTHERWISE, it is NOT available to every Jim and Jack who doesn’t qualify.  

So, for those people that are serious about mastering these fundamentals or basics of real estate investing, I edge them to take advantage of this very free strategy session right away while it lasts before I strike out this one -on -one FREE consultation facility with me.

Therefore, What Are You Supposed To Do Now To QUALIFY For This Very FREE Written Offer Strategy Session?

Well, All you need to do now is simply fill in the comment box below or if you like, email me directly at: [email protected] or  simply Call or Sms me directly on the following mobile lines: +260 977 805045 / +260 966 388525 / +260 955 168754 indicating your interest in this very FREE Written Offer Strategy Session and I’ll be in touch with you about the session to set an appointment for a Qualifying Interview concerning this very Free Offer!

That’s all you’re supposed to do now GRATIS!

In this FREE Written Offer Strategy Session, We Discuss:

1. Your current or present situation including discussion of the various real estate investment options and other relevant issues unique to you
2. Your real estate investment goals and vision for your future. Where do you want to be or go with your real estate investment efforts within the next few years?
3. The problems, difficulties, hiccups, frustrations, disappointments and/or challenges you are facing right now or have already faced in the past in your own real estate investment efforts and what you need to do NOW to overcome these hurdles.
4. A discussion of next and progressive steps and an action plan to move you towards your real estate investment goals.
5. Simple and Quick Sources of Funding or Alternative Sources of Funding or Consideration for your own real estate investment efforts.
6. Some Template or Example Terms and Conditions you can incorporate into your own Written Offers to help you ENTICE the distinguished property sellers of your ideal properties so they can offer you their properties based on your own favorable terms and conditions and NOT theirs!

So, go right ahead and get in touch with me today to see how I may be of help to you in your own real property investment efforts.

Until next time, go well in your real estate searching, buying and investment endeavors. And I only hope you’ve gotten some very useful ideas and insights from this very blog post today that will go a very long way indeed in helping you in your own real estate investments efforts.  

NOTE: You May Read Deadly Mistake No. 2 ->HERE

I love to hear your comments. Both positive and negative ones are all welcome. Therefore, go
right ahead and drop a comment below.

P.S: Looking for Real Estate Property to Buy, Sell, or Rent? Then click on the highlighted words right in this very sentence to have a look.

In my previous blog post, I discussed how You - The Buyer - may purchase real property using very little or none of your own money at all using certain little known secret techniques or strategies.

However, in today's blog post, I thought I should share with you ONLY one of these little known secret techniques as a "Dyonko" or "Sample" to enable you see how these strategies may benefit you in your own real estate investment efforts if and when you decide to apply them as well as consider signing up for the entire E-Course Training Series if you haven't yet done so that is.

The One Technique I wish to share with you today is This -> : Using OPTIONS As A Way To Help YOU Buy Real Estate Affordably!

Now, the question you may be asking yourself right now is, "What Really Is Mean't By The Term 'OPTIONS' As Used In Real Estate Investing And How May You Use And Apply This In Your OWN Real Life Situations?"

Well, dear prospective real estate investor, Options are a special form and group of creative finance strategies or techniques used in the world of real estate investing to enable you - the buyer - have CONTROL of a piece of real property using ONLY very little money down or indeed any other form of consideration such as personal goods like cars for instance, even though PROPER OWNERSHIP of the said piece of property may be months and years away if ever! Note the language used here ; it is about gaining CONTROL and NOT OWNERSHIP for the time being whilst you work your way around to gain Complete PROPER OWNERSHIP of the said property in question within an agreed upon time frame with the seller.

The rationale behind all this is simple. It is simply this : You - the purchaser - buying the option gives the seller a certain SMALL amount of money or indeed any other form of consideration as earlier on alluded to in one of the paragraphs above in exchange for the RIGHT to buy the seller's property at an agreed preset given price within a defined and desired time frame.

BUT, WHAT THEN DO YOU STAND TO BENEFIT AS A BUYER FROM SUCH AN ARRANGEMENT?

Well, dear real estate investor, you as a buyer stands to benefit by locking in the price in advance inspite of appreciation and taking control of the seller's property without putting in a gargantuan cash investment outlay or indeed any other huge form of consideration. This therefore gives you enough breathing space to organize yourself and arrange for more funds from other reasonable sources.

There are about Five (5) distinct variations of the Option Strategy you may use as a buyer and/or seller of real estate.

As a "Dyonko" or "Sample", here is just one of these variations for your personal consumption and eventual assimilation. Read below.

THE LEASE OPTION STRATEGY

The lease option strategy is one of the most common and frequently used Option Strategies used by many shrewd real estate investors - both buyers and sellers - respectively! Buyers who don't have enough funds and sellers who happen to be in great urgent NEED of Cash can use and apply this same strategy in their endeavors.

BUT, HOW DOES THIS STRATEGY OPERATE IN ACTION?

Well, this strategy can be applied by buyers who don't have enough cash or equity. It is a strategy that entails using whatever available equity or consideration one might have at his or her disposal as Option Money whilst at the same time settling for purchase of the said piece of property later on when enough funds have been organized from other sources. If you happen to strike a good deal, the seller may give you complete CONTROL of his property as consideration for your commitment thereby allowing you to earn a little extra income through a Sub-Lease Arrangement. And this extra income you earn through a sub-lease arrangement can be saved and added on top of any other funds you organize to help you finish paying for the property in question within an agreed time frame!

For instance, if you work in a stable company or rather if you own and run your own business and happen to receive a regular and steady flow of income, you may use the Real Estate Purchase Agreement or Contract to enable you source for more funds from either your employers, banks or indeed any other valid and reasonable source of funds to help you finish paying for the said piece of property in question and close the deal within the agreed upon time period.

BUT, WHAT IF YOU'RE A SELLER, HOW DO YOU BENEFIT?

Well, if you happen to be a seller, you benefit by first of all retaining the property as your own until such a time the buyer finishes paying for it. Secondly, you benefit by retaining the tax advantages associated with property ownership whilst at the same time locking in the sale in advance at an agreed and acceptable preset price and thirdly and finally, you benefit by getting the Option Money or indeed any other form of consideration should the buyer decide to back out of the deal.

Therefore, the Option is a very powerful strategy indeed that both buyers and sellers can use should they find themselves in serious liquidity problems when it comes to buying and selling of real property!

For example, I know and I've read of a number of real people that have successfully used this very same technique in their own real life situations to acquire real estate property. And their is nothing standing in your way if you wish to apply this same strategy in your own real estate transactions except yourself.

You could therefore use it right this very moment to help you buy the property of your dreams!

So, the next time you find the property of your liking, try to entice the seller to enter into a "Rent To Own Agreement" with you and see what happens. Remember that this is but just one of the many other strategies you could employ in your asernal of techniques.

And therefore, if you haven't yet signed up for the entire E-Course Training Series on how to buy real estate using very little or none of your own money at all, then do so -> HERE now. You'll be glad that you did!

NOTE : Looking for property to Buy, Sell, or simply to Rent, then please click on the highlighted words right in this very sentence.

So, until next time, stay blessed.

I love to hear your comments. Both positive and negative ones are all welcome. So, go right ahead and drop a comment below.

Did you know that many people the world over still think and believe that in order to buy real estate, a person ought to have (or rather, MUST have) a lot of money or simply have access to better and reasonable credit facilities?
Still, there are other people who think and believe that in order to buy real estate, a person NEEDS to have plenty of CASH to put down on the table as a show of seriousness and commitment as well as have some form of backing from the Hard Money Lenders for security, collateral, and insurance purposes against potential future lose.

To such people, I say they are entitled to think that way. After all, this is a free society. That is what they believe. Everyone is entitled to think the way they want.

Moreover, there is a distinction between reality and actuality. Reality is the external appearance of something perceived by the senses whereas actuality is the true nature of a thing, universe or a situation. 

You see, before I had access to such privileged real estate information, I used to think retrospectively instead of progressively. I always thought it was impossible. It was not until I bumped into such information that the light went on in my mind. And I've now decided to put these ideas I've learn't into actual practice.

I've now actually embarked on a very serious journey and search for properties to buy using these same strategies I'm about to reveal to you right now! And I'm of course searching for Flexible Sellers first as my targets.  The reason is simple. It is explained in detail HERE if you wish to know about it that is.

These strategies actually work and are very effective as long as you have a burning desire to use and apply them to help you acquire the real property of your dreams. Moreover, so many people the world over have used these same strategies with greater success.

Perhaps, the Greatest Mistake People Make When it comes to Real Estate Investing is this:

They Wait Too Long for the Right Time to have More Money to use to invest in Real Property. The real fact of life is that Time and Money shall NEVER be just RIGHT and ENOUGH for each one of us respectively. My Advice: JUST Start Your Real Estate Investment Process with Whatever Minimal Resources  You have at Your  Command Right NOW and Better Tools and Resources shall be found as You go along the Way. The Formula to follow is this: Ready, Fire and then Aim later on. The Secret is to just START. Action is the name of the Game. Never Wait for Conditions to be just Perfect. They shall NEVER BE!!

Moreover, the More You Educate Yourself in Matters of Real Estate Investing as well as any other Investment Opportunities, The Greater and Better Chances  You Have at Succeeding in this very Game and the Higher the Chances of making More Money. So, Educating Yourself FIRST helps You make Proper and Informed Decisions thereby Reducing the Levels of Risks associated with any kind of investment. My advice: If You Want to make it Big in Your Life, Educate Yourself FIRST in Matters of Investments so that when You finally have the Money You'll KNOW how to invest it Wisely and Properly and thus control Your destiny.

So, dear prospective real estate investor, don't leave things to chance, Educate Yourself First even if You currently don't have enough money to invest in real estate!!!

So, Here's a short list of some of the Great Ideas You stand to Learn and Benefit when You sign up for this very FREE Real Estate Investment Introductory E-course:

1. How to Buy Your Dream House or indeed ANY Piece of Real Property at the PRICE You Want;

2. KNOW the Type of Home or Real Property Sellers to Target so You can BUY that Dream House or indeed Any Ideal Property of Your choice at the Price You Want;

3. Why You DON'T need any Money NOW to Buy or Invest in Your own Dream House or indeed Any kind of Real Property. You ONLY need one FREE Thing! And chances are that You already have it. You are just NOT aware of it!

4. LEARN The Secrets of Successful Home Mortgage Financing and Get to Know about ONE LITTLE KNOWN SECRET Strategy You can Use right now to enable You Entice and/or Convince the distinguished Sellers or Owners of real property on sale to Offer their pieces of real property to You rather than Someone else and finally PAY for that Ideal Property of Your choice using the much dreaded and snarl Home Mortgage Finance Money WITHOUT ANY RESISTANCE WHATSOEVER from the Sellers or Owners of such properties;

5. DISCOVER the types of Home Mortgages applicable to Your own Unique Situation and Circumstances;

6. Four (4) Unique Reasons Why You Must Borrow from Hard Money Lenders or Commercial Banks or Home Loan Financial Institutions;

7. How You May UNIQUELY Save an Owner-Seller of Property from Losing His or Her Own Property from Creditors as a result of Defaulting on His or Her Own Loan or Debt;

8. How You May Use Estate Agents or Realtors and/or even your Own Lawyer as a Source of Funds for Your Own Real Estate Investment Endeavors;

9. TURN or Transform an Owner-Seller of Real Property into a Lender and Successfully do it WITHOUT ANY RESISTANCE WHATSOEVER from him or her and Discover if this is Permissible or not in the Republic of Zambia;

10. One single FREE (Not Paid for) Strategy (Unless You wish to PAY Yourself willingly) to help You come up with an estimated actual value of the property You wish to Buy and not what the property is Priced at;

11. If You're a Home Seller Yourself, use some of these buyer techniques to help You sell Your own house or indeed any other piece of real property as Fast as Possible;

12. What to do when everything else fails;

13. Plus many, many, many other eye opening ideas to help You buy that Dream Property of Yours at the Price You Want.

And if all this arouses some interest in You, then why not sign up for this very FREE Introductory E-course below. You'll be happy you did!!

Therefore, go right ahead and sign up NOW using the form below or the one on the top right hand side of this very webpage to have Instant Access to this very e-course. So, Enter Your Name, Phone Number and Email Address below to have Instant Access!

And once You've entered Your Contact Details and Clicked on the "Send To Subscribe Now" Button below, You'll Automatically be Redirected to a Secure and Hidden Web-page where You'll have Instant Access.

Therefore, Go right ahead right now and enter Your Contact Details below and have Instant Access to this Critical and Valuable Information. You'll be happy You did.

And therefore, if You happen to be interested in these strategies or techniques, then please simply sign up above and have them delivered right into your inbox this very instant.

NOTE : Looking for Real Estate to Buy, Sell, or Rent, then click on the highlighted words right in this very sentence for details.

I love to hear your comments. Both positive and negative ones are all welcome.

So, go right ahead and drop a comment below.

Or, alternatively sign up above to start your email training series on how to buy the real property of your dreams using little or none of your own money at all.

Looking forward to hearing from you.