Posts Tagged ‘myrtle beach investment real estate’

Avoiding Foreclosure

Monday, January 14th, 2008

From our local CBS tv station, WBTW
Monday, Jan 14, 2008 – 06:35 PM

By Michelle Carolla
E-mail Biography

Across the country the foreclosure rate remains high. If you’re facing foreclosure, there are options. It may seem like there’s nothing you can do if you’re multiple months behind on your home mortgage payments. Fortunately, you can possibly fix the problem with a little help.

We asked mortgage advisor Bill Blackburn of Myrtle Beach for some advice. He said the most important thing you can do is address the problem.

“If you’re not responding to the letters, you’re not responding to the phone calls, what is a lender to do? They’re going to turn it over to the collection department,” said Blackburn. The collection department is going to turn it over to an attorney.” This will tack on attorney fees and more penalties.

Some of the options to avoid foreclosure include:

Reinstating your loan–This is paying your past due amount in a lump sum.

Forbearance–This allows you to delay payments for a short time.

Repayment–can allow you to catch-up by adding a dividing the past due amount and adding to new payments.

Along the Grand Strand area, foreclosures are mainly affecting the investor market. The average home price is also holding steady at $271,000 dollars and not falling like many areas of the country. Even with homes staying on the market longer, industry experts say the resort area status is once again helping the grand strand.

If your loan is with the Veterans Association or HUD, they offer counseling services that will look at your particular situation.

VA Regional Loan Centers– 1-800-827-1000

You may receive mail or calls from companies looking to buy your house or loan. Make sure to check them out thoroughly with the Better Business Bureau and ask for references.

The other fallout of the foreclosure market is bad credit. Non-profit credit counseling agencies can assist you with repairing your credit.
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If you are interested in finding foreclosures in Myrtle Beach or attending a real estate auction, visit our website for Myrtle Beach Real Estate for Sale.

Myrtle Beach Condo Rental Tips

Wednesday, February 14th, 2007

The 5 Biggest Mistakes Made By Rental Property Owners
by Wallace S. Gibson

1. JUST LOOKING IN THE LOCAL NEWSPAPER CLASSIFIED ADS FOR A RENTAL RATE Prospective tenants have many ways to check comparable rental rates besides the newspaper: local property managers, Realtors, the Internet listings. Property owners renting their own property need to check these sources in addition to the newspaper. Local Realtors can provide a list of rental rates – current and past – for various areas, subdivisions, buildings. For apartment rental rates, owners should check the internet listings on Yahoo, RentNet and Springstreet as well as any local apt association website.

Owners of single family homes should also check Yahoo, as well as the RentConnection and HomeRentals.net sites as these are excellent resources for marketing single family homes, townhouses and condominiums.

2. LISTENING TO WHAT OTHER PEOPLE ARE GETTING FOR SIMILAR PROPERTIES While this information should be put in “the mix” in determining the property’s rental value, there are often circumstances that are not relayed that could cause the information to be less than helpful.

A country property often reported as being rented for $1,600/month was, in fact, being rented in one year increments to residents new to the area who did know that the property was over-valued. When the tenants determined they were paying $200/month too much, they quickly found other property as they no longer trusted the property owner. The rental property owner then had a vacancy and downtime which, in reality, brought his annual income to the market rate of $1,400/mo which, if he had quoted this market rent originally, he would still have a tenant in residence and not had the hassle of multiple move-outs and the expenses of re-renting.

3. VACANCIES ARE BAD Planned vacancies are good. Vacancies allow for major renovations and repair projects – replacing a bathroom in a property with only 1 bath, rebuilding a deck/porch/patio, replacing carpet/refinishing hardwood floors, converting fuel sources (propane to gas).

Sometimes these can be done with a tenant in place; however with a little pre-planning, a lot of hassles and inconvenience can be avoided. Another reason is to put the property in the “proper rental cycle” for the area. Many rental markets are geared to the school year – either public schools or college or university – more prospective tenants are planning for September and October move-in dates and avoiding the “back to school rush” of late July and August.

4. USING A POORLY WRITTEN OR PREPARED LEASE There are numerous sources for good lease documents including a low-cost computer program that can be purchased from Nolo Press (LeaseWriter) where the document can be formulated for the specifics of the state in which the rental property is located. Unless a lease is prepared for the specifics of a property or the desires of the rental property owner, the use of an attorney is unnecessary.

Most local property managers will share their lease format. In a pinch, forms can be purchased from the local Realtor association. From whatever source, the forms should be no more than 3 years old and clearly state the duties of the resident and property owner.

5. NOT CHECKING ALL PROSPECTIVE ADULT APPLICANTS’ RENTAL/CREDIT HISTORY This is the easiest part of the process and is most often the portion of the process that rental property owners are least likely toperform. Most state laws allow for the collection of a credit check fee to allow rental property owners to check a would-be rental resident’s credit.

In addition to the old standby of a “retail CBI” report, property owners can now obtain a “scored” credit history much like a mortgage credit report that will alert them to the prospect’s past delinquencies, recorded judgments and the possibility of their being over-extended on their current credit obligations. These are all valid “business criteria” that a prospective landlord should use when screening applicants for their rental property.

Wallace S. Gibson is the owner of Landlord Tenant Services and Gibson Management Group, Ltd. in Charlottesville, VA. She has over 30 years of residential and commercial property management experience. She holds the professional designations of Certified Property Manager (CPM) from the Institute of Real Estate Management (IREM) and the Master Property Manager (MPM) designation awarded by the National Association of Residential Property Managers (NARPM).

She is the 1999-2000 Chairperson of the Virginia Association of Realtors Property Management Advisory Council and as well as being the NARPM’s 1999-2001 Legislative Chair. Wallace currently serves as a NARPM director. Copyright? 2001, Wallace S. Gibson. All rights reserved. For additional information, please contact The Frog Pond Group.

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