Tuesday, August 12, 2025

Financial Education: Financial Success Depends on What you Know / Ways to Grow Wealth / For Sale by Owner (FSBO) Debt Service Coverage Ratio (DSCR)

 

Financial Education is Why the Rich are Getting Excessively Richer

Your Financial Success Depends on What you Know About Money

Most people set out to get an education in hopes of getting a safe and secure job and ultimately being able to provide for themselves and their family. However, the education most people receive doesn’t actually teach them what they need to know to be truly successful and in command of their finances. Consider the three types of education
REAL ESTATE AGENTS WELCOME, LET YOUR LICENSE WORKING FOR YOU... CONTACT ANTONY AT: 305-784-6554 - GREAT TEAM, WONDERFUL COMPANY, EXCELLENT TRAINING AVAILABLE...
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REAL ESTATE AGENTS... JOIN THE TEAM OF FIRST CLASS FAMILY.
CONTACT Anthony Jeanty @ 305-784-6554
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There is money to be making even in RENTAL!
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TRAINING IS AVAILABLE - A WELL ESTABLISHED SYSTEM TO HELP YOU SUCCEED. IN THIS NOBLE PROFESSION. JUST JOIN US... CONTACT Anthony Jeanty @ 305-784-6554
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THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @ 305-784-6554
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - 12944 WEST DIXIE HWY - NORTH MIAMI FLORIDA.
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Anthony Real estate Service For Buyers And Sellers.
SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554

Academic Education

This is what we all have gone to school to learn. It is very important and teaches us the foundation of how to read, write, learn and function in the world.
 

Convert Yourself From Renters to Buyers... ANTHONY CAN HELP!

We are here to help renters getting on the path to buying their own home and start building equity/wealth for themselves...
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The Miami real estate market is currently experiencing a shift, moving from a seller's market towards a more balanced buyer's market, with increased inventory and cooling demand.
 While home prices have been trending upward, especially in recent years, there are signs of a stabilization or even a slight dip in some areas. 
Here's a more detailed look:
1. Shift from Seller's to Buyer's Market:
  • Increased Inventory:
    .Opens in new tab
    The number of homes available for sale has been rising, indicating a less constrained supply. 
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    Cooling Demand:
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    While demand remains steady, it's not as high as it was, with homes taking longer to sell and fewer bidding wars.
    Mortgage Rate Impact:

  • .Opens in new tab
    Higher mortgage rates are also contributing to the shift, making it more expensive for buyers to purchase homes. 
2. Recent Trends and Market Indicators:
  • Home Prices:
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    While median sale prices are still relatively high, there are reports of some sellers reducing prices in an effort to attract buyers, according to a luxury lifestyle blog. 
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    Months of Housing Supply:
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    The number of months of housing supply available for sale has increased, reaching 14.2 months, up 47.9% from January 2024, according to Bankrate. 
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    Days on Market:
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    Homes are taking longer to sell, indicating a cooling demand and a move towards a buyer's market.
    Imbalance of Sellers and Buyers:
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    There are more sellers than buyers in Miami, which can further contribute to a cooling market, according to Business Wire.
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3. Factors Influencing the Market:
  • Overvaluation:
    Miami has been identified as a city with a potential for overvaluation, with some sources indicating that prices may be significantly higher than long-term norms.
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  • Affordability Concerns:
    Rising costs for homeowners, including higher insurance premiums and taxes, are impacting affordability and contributing to increased listings and slower sales.
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  • Migration and Demand:
    Miami continues to attract high-net-worth individuals and international buyers, which can support long-term market resilience, according to Certain Lending.

    4
    . Specific Property Types:

    Single-Family Homes:

    .Opens in new tab
    Generally still considered a seller's market, with strong demand and potentially less inventory compared to condos, according to U.S. News Real Estate.
    Condos:
    .Opens in new tab
    Have moved into a more buyer's market, with increased supply and higher vacancy rates, according to U.S. News Real Estate.

    5. Future Outlook:

    Stabilization:
    The market is likely to stabilize, with prices potentially leveling out or even experiencing a slight decline in certain areas, according to a luxury lifestyle blog.
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    The Broward County real estate market in May 2025 shows a median home sold price of $458,304, up 6.4% from the previous year.
  • While inventory levels are increasing, particularly for condominiums, there's a slight buyer's market for single-family homes and a seller's market for existing condominiums.
  •  Overall, the market is offering a more balanced environment for buyers and sellers. 
    Detailed Breakdown:
    • Median Home Price:
      The median sold price for homes in Broward County was $458,304 in May 2025, indicating a significant increase from the previous year. 
    • Inventory:
      Total active listings increased 55.9% year-over-year, with inventory for single-family homes up 36.3% and condominiums up 67.4%. 
    • Months' Supply of Inventory:
      A 4.9-month supply of single-family homes suggests a buyer's market, while a 9.8-month supply of existing condos indicates a seller's market. 
    • Market Dynamics:
      The market is becoming more balanced with increasing inventory and prices stabilizing. 
    • Price Appreciation:
      Broward County continues to experience price appreciation, with single-family home median prices increasing year-over-year. 
    • Affordable Housing:
      Florida's "Live Local Act" is encouraging developers to build more affordable housing, potentially impacting the market. 
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    • Broward County offers a varied and dynamic real estate market. 
    • While prices are increasing, inventory is also rising, creating a more balanced market. 
    • Buyers should be aware of the potential for a buyer's market for single-family homes and a seller's market for condominiums. 
    • The market is becoming more balanced, offering opportunities for both buyers and sellers. 
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  • The Palm Beach County real estate market is experiencing a mixed bag of trends. While luxury home sales are strong, particularly in the Palm Beach area, overall market activity is cooling, with closed sales declining and inventory rising. 
  • Median home prices have seen a slight dip in some areas while remaining steady or increasing in others.
    Specific Trends:

    Luxury Market:
    .Opens in new tab
    Palm Beach Island and the surrounding areas continue to see strong demand and high prices, with sales of homes over $10 million increasing significantly according to a New York Post report.
    Overall Market:
    .Opens in new tab

  • Closed sales in single-family homes are down slightly, but still active, while active inventory is increasing, indicating a shift towards a buyer's market.

  • Price Fluctuations:
    .Opens in new tab
    Median home prices in Palm Beach County have seen a slight dip, but are still relatively stable or increasing in other areas. 

  • Inventory:
    .Opens in new tab
    The number of active listings has increased significantly, especially in townhouses and condos, giving buyers more options.
    Buyer Activity:
    .
    Buyer activity is cooling, with pending sales decreasing and more time needed to close deals.


    Wealth Migration:
    Palm Beach County has seen a significant influx of wealthy individuals and families, contributing to the strong demand, particularly in the luxury market according to Elizabeth DeWoody.
    Pandemic Impact:

  • The pandemic-induced boom in real estate has had lasting effects, with prices remaining higher and inventory lower than before. 

  • Seasonal Shifts:
    South Florida's real estate market is also influenced by seasonal factors, such as weather and tourist activity.
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REAL ESTATE: Buying a Home In This Economy. Here Are Few Ways To Find Affordable Rental... Use a Rental Agent like Anthony Jeanty. 305-784-6554 - Visit:
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ANTHONY JEANTY, a licensed real estate agent in Florida and founder of: Visionone Real Estate Investment Group - visiononeonerealestate.blogspot.com
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I would recommend using Anthony and visit Anthony multiple social media pages and website like: www.buyheremarket.com
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Use a Rental Agent
The key to finding a rental is to find a good rental agent, according to Antony from: First Class Real Estate LLC. = 305-7846554
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Talk To People
The best search engine for a good rental may be the people you know, Ayala said. “Friends, colleagues, and even social media followers. Let them know what you want.”
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Be Specific
Word of mouth works best when you tell everyone you know that you are looking and offer finder’s fees to friends who connect you with good landlords, according to Dayane from: Knowledge Financial Group - www.knowledgefinancialgroup.blogspot.com
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Check Local Places
“I suggest checking with local coffee shops, gyms and community centers because they often have bulletin boards with rental listings.”
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Broaden Your Search Location
Ayala also suggested that sometimes if you aren’t finding what you seek, you may need broaden your search location range.

“By searching just outside the most high-demand areas, renters can save significantly. A few extra minutes commuting can mean hundreds of dollars saved a month.'' Said, Emmanuel from: Buyheremarket Enterprise - www.buyheremarket.com
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Personal Finance,
Personal financial goals, can help you create the future you imagine, not just for yourself — but also for your loved ones, create generational wealth = Visionone Capital Management - visiononecapital.blogspot.com

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 Personal finance:  Personal finance is a term that covers managing your money as well as saving and investing.

Visionone Capital Management brings help for navigating your financial journey

Your finances and financial goals are unique to you.

Financial Education - Financial Knowledge - Financial Literacy.

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Education savings

Learn how to create an education savings strategy that will make the journey easier. With the help of: Knowledge Financial Group - knowledgefinancialgroup.blogspot.com == www.youtube.com/@knowledgefinancialgroup

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Planning your estate

Learn how planning your estate can protect you and your family. knowledgefinancial.blogspot.com = www.youtube.com/knowledgefinancial

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The core areas of managing personal finance include income, spending, savings, investments =  budgeting, creating an emergency fund, paying off debt,

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   Not understanding how to manage finances or be financially disciplined has led Americans to accumulate enormous debt.

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 In Q3 2024, the Federal Reserve Bank reported household debt had increased by $3.8 trillion since December 2019, prior to the recession. In addition, the following balances increased from the second quarter of 2024 to the third:

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Credit card debt: Up by $24 billion
Auto debt: Up by $18 billion
Student debt: Up by $21 billion
Mortgage debt: Up by $75 billion
Home equity line of credit: Up by $7 billion

Americans are taking on an ever-increasing amount of debt to finance purchases, making managing personal finances more critical than ever, especially when inflation is eating away at purchasing power and prices are rising.

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Personal Finance Strategies

The sooner you start financial planning, the better, but it’s never too late to create financial goals to give yourself and your family financial security and freedom.

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Know Your Income

It's all for nothing if you don't know how much you bring home after taxes and withholding. So before deciding anything, ensure you know exactly how much take-home pay you receive.

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Personal Finance Skills

The key to getting your finances on the right track is using skills you likely already have. It’s also about understanding that the principles that contribute to success in business and your career work just as well in personal money management.

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Finance prioritization: This means that you can look at your finances, discern what keeps the money flowing in, and make sure that you stay focused on those efforts.

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 Devise a Budget

A budget is essential to living within your means and saving enough to meet your long-term goals. The 50/30/20 budgeting method offers a great framework. It breaks down like this:

Fifty percent of your take-home pay or net income (after taxes) goes toward living essentials, such as rent, utilities, groceries, and transport.
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Thirty percent is allocated to discretionary expenses, such as dining out and shopping for clothes. Giving to charity can go here as well.
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Twenty percent goes toward the future—paying down debt and saving for retirement and emergencies.
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Pay Yourself First

It’s important to “pay yourself first” to ensure money is set aside for unexpected expenses, such as medical bills, a significant car repair, day-to-day expenses if you get laid off, and more. The ideal safety net is three to 12 months of living expenses. ''Emergency fund''

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Limit and Reduce Debt

It sounds simple enough: Don't spend more than you earn to keep debt from getting out of hand. But, of course, most people have to borrow from time to time, and sometimes going into debt can be advantageous—for example, if it leads to acquiring an asset.

Taking out a mortgage to buy a house might be one such case.

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 Only Borrow What You Can Repay

Credit cards can be major debt traps, but it’s unrealistic not to own any in the contemporary world. Furthermore, they have applications beyond buying things.

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Avoid maxing out credit cards at all costs, and always pay bills on time. One of the fastest ways to ruin your credit score is to constantly pay bills late—or even worse, miss payments.
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 Monitor Your Credit Score

Credit cards are the primary vehicle through which your credit score is built and maintained, so watching credit spending goes hand in hand with monitoring your credit score. If you ever want to obtain a lease, mortgage, or any other type of financing, then you’ll need a solid credit report. There are a variety of credit scores available, but the most popular one is the FICO score.5

Factors that determine your FICO score include:6

Payment history (35%)
Amounts owed (30%)
Length of credit history (15%)
Credit mix (10%)
New credit (10%)

FICO scores are calculated from 300 to 850. Here’s how your credit is rated:78

Exceptional: 800 to 850
Very good: 740 to 799
Good: 670 to 739
Fair: 580 to 669
Poor: 579 and below

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 Plan for Your Future

To protect the assets in your estate and ensure that your wishes are followed when you die, be sure you make a will and—depending on your needs—possibly set up one or more trusts.

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While your children are young, take the time to teach them about the value of money and how to save, invest, and spend wisely.
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If your employer offers a 401(k) or 403(b) plan, start paying into it immediately, especially if your employer matches your contribution. By not doing so, you’re giving up free money.
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Buy Insurance

As you age, it's natural for you to accumulate many of the same things your parents did—a family, home or apartment, belongings, and health issues. Insurance can be expensive if you wait too long to get it.

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Healthcare, long-term care insurance, and life insurance all increase in cost the older you get. Additionally, you never know what life will send your way.

 If you're the sole breadwinner for the family, or you and your partner both work to make ends meet, a lot depends on your ability to work.

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Maximize Tax Breaks

Due to an overly complex tax code, many people leave hundreds or even thousands of dollars sitting on the table every year.

 By maximizing your tax savings, you’ll free up money that can be invested in your reduction of past debts, enjoyment of the present, and plans for the future.

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You should start saving receipts and tracking expenditures for all possible tax deductions and tax credits.

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Taxes:  After you’re organized, you’ll want to focus on taking advantage of every tax deduction and credit available, as well as deciding between the two when necessary.

 In short, a tax deduction reduces the amount of income on which you are taxed,

 whereas a tax credit reduces the amount of tax that you owe.

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Planning, managing, and optimizing individual financial activities
Personal finance refers to the process of planning, managing, and optimizing individual financial activities.

 It includes budgeting, banking, insurance, investments, retirement planning, tax management, and estate planning.

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  • EVERYONE'S FINANCIAL JOURNEY IS DIFFERENT. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE...

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  • OUR WEBSITE, OUR YOUTUBE CHANNEL, OUR OTHER SOCIAL MEDIA CHANNELS, NOR THIS CONTENT & INFORMATION (THE “SERVICE”) ARE INTENDED TO PROVIDE FINANCIAL, LEGAL, TAX OR OTHER ADVICE. NO FINANCIAL DECISIONS SHOULD BE MADE SOLELY BASED ON OUR BLOGS, WEBSITES, OR SOCIALMEDIA PAGES.

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  • ANY SECURITIES OR PRODUCTS MENTIONED. ALL INVESTMENTS HAVE SOME  DEGREES OF RISK & THERE IS NO ASSURANCE THAT THEY WILL BE SUITABLE FOR YOUR PORTFOLIO. 

  • PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

  •  ALWAYS CONSULT A QUALIFIED FINANCIAL, LEGAL, OR TAX PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION. 
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  • OUR YOUTUBE CHANNELS MAY PROVIDE LINKS TO THIRD-PARTY WEBSITES FOR YOUR CONVENIENCE. WE HAVE NO CONTROL OVER THE ACCURACY OR CONTENT OF THESE LINKS.
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    Disclaimer: This article, or this particular video does not constitute individualized investment advice. These funds appear for your consideration and not as personalized investment recommendations. Act at your own discretion.
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  • DIVIDEND PAYING ETF COMPANIES: DGRW - DVY - SPYD -  VYM - SDY -  VIG -  VOO - DGRO - SPHD - NOBL - SCHD - MTUM - VTI - VOO - SPY -

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    Dividend ETFs: VIG -VYM - SCHD - DVY - SDY - FNDX - VIGI - VYMI - == SPHD - DES - DVY - NOBL - DGRW - SPYD

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  • BY THE 

    Fixed-Income Analyst: Nyton for

  •  VISIONONE CAPITAL MANAGEMENT



We bring financial education to the youth, and financial literacy to the less fortunate @ WWW.KNOWLEDGEFINANCIALGROUP.COM
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TAKE A LOOK OF OUR YOUTUBE CHANEL: WWW.YOUTUBE.COM/KNOWLEDGEFINANCIAL 
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Like Us @ facebook.com/www.knowledgefinancialgroupforyou 
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Follow Us @ twitter.com/financialschool
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Contact Us @ 
LinkedIn.com/in/knowledgefinancial
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Visit Our Blogs @ http://www.knowledgefinancial.blogspot.com

 WHY NOT VISIT THIS WONDERFUL WEBSITE: @

Professional Education

Rich Dad Professional
This is what we learn to help us be successful in our careers. We may learn this in college or trade school or the job. It is the information and skills we need to be successful at our work.

Financial Education

Rich Dad Financial
This is the type of education that teaches us what we should be doing with our money to be successful. In today’s world, financial education is crucial, especially with the world economy in recession or depression. However, our school systems don’t teach us about financial education and so most people have never been taught what they need to know in order to take control of their financial lives.
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THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @ 305-784-6554
AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - 12944 WEST DIXIE HWY - NORTH MIAMI FLORIDA. WWW.TWITTER.COM/VISIONONEREAL
 
FIRST CLASS CAN HELP! CONTACT ANTONY@ 305-784-6554 = WWW.VISIONONECAPITAL.BLOGSPOT.COM
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Real Estate is a great source of wealth creation...
http://WWW.FACEBOOK.COM/WORLDCLASSREALESTATE 
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Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate.blogspot.com
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Anthony Real estate Service For Buyers And Sellers. SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
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Real Estate is the absolute pathway to build wealth. -
www.antonyrealestate.blogspot.com 

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Leverage is debt – Debt is bondage and bondage is the antithesis of freedom, or independence

Debt is like a double edge sword. You just have to know how to use it well enough in order not to get hurt by it.

Long-term financial independence is usually based on short term debt which is carefully acquired and prudently managed.

Debt is the lifeblood of the successful wealth builder.

In the USA, we can say that we are a consumer oriented society, and we place high priority on instant gratification.

Leverage is the best road to become rich. Every big corporation that you heard about used debt, leverage to grow and expand. When the corporations issue bonds, or simply invite investors to come to invest that’s OPM And OPIUM

OPM= Other People’s Money

OPIUM= Other people’s Inactive Underused Money

The government in particular is the number one partenaire of leverage, debt.

Leverage is good, is not that bad when you use it the right way.

Use leverage to purchase a piece of real estate may be with only 10 percent down and after 22, 23, 30 years you finish to pay the mortgage now you own a property worth how much free and clear.

Imagine if you do that for 10 years; just purchase one single family property, or it could be a duplex, triplex, or fourplex, we still talking about residential properties. Just one every year for 10 years by using leverage, debt.

  • Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people.
  • We bring financial education to the youth, and financial literacy to the less fortunate . www.knowledgefinancialgroup.blogspot.com 
    Like Us @ facebook.com/knowledgefinancial
  • Contact Us @ LinkedIn.com/in/knowledgefinancial
    Check Out Our Page @ buyheremarket.blogspot.com
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    Ways to Grow Wealth When Money Is Running Slow like drying ravine.

    Investment Clubs Investment clubs allow members to pool their resources to invest in larger opportunities that would be out of reach individually. Besides financial benefits, these clubs offer educational resources and a support network of fellow investors. It's a unique way to learn about investing while spreading out the risks and rewards.
    ----- Peer-to-peer (P2P) lending platforms allow you to lend money directly to individuals or small businesses online, earning interest as they repay their loans. With the ability to choose whom you lend to and at what rate, P2P lending can be a more engaging and potentially rewarding way to invest your money.
    ------ Free Resources are available at: Knowledge Financial Group - www.knowledgefinancialgroup.blogspot.com There's a wealth of free information available online from reputable sources. Libraries also offer investing books and workshops.  The more you learn, the more confident you'll feel about making smart choices with your hard-earned money.
    ----------- A budget is your roadmap. By knowing where every dollar goes, you can find spare money to invest. 68% of people believe that maintaining a household budget would assist in achieving their personal and family objectives
    ----- Invest in government securities Investing in government bonds is another low-risk option. Bonds can be purchased for relatively small amounts and offer a fixed interest rate over a specific period. They provide a stable, predictable income stream, making them an attractive option for conservative investors.
     
    ---------- Risk Tolerance Is Very Important Investments come with varying levels of risk.  If you get sweaty palms at the thought of losing money,  consider low-risk options like index funds. These are like baskets containing a mix of different stocks, so if one goes down, others might rise, balancing things out.
    --------  Automated Savings With An API Acount Setting up automatic transfers to a savings or investment account takes the guesswork out of investing. 
     
     -----------  Consider Low-Cost Index Funds In Your Portfolio Index funds are a low-fee way to invest in the stock market. They mirror the performance of market indices, like the S&P 500,  Nasdaq, Dow Jones, CAC40 of France, Dax 40 of Germany, FTSE100 of London Stock Market, TSX60 of Canada, russell 1000, 2000, 3000 and also wilshire 5000 making them a simple and effective investment choice. It's akin to joining a group hike; you stick together and share the journey's ups and downs.
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    Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks.

    This and other information may be found in each fund's prospectus or summary prospectus, if available.

    Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained--------

    Invest With Knowledge And Enjoy The Fruits Of Your Investment With Pride. www.buyheremarket.blogspot.com
    With the help of BUYHEREMARKET ENTERPRISE - FACEBOOK.COM/BUYHEREMARKET
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    Investment Knowledge: http://knowledgefinancial.blogspot.com/
    Becoming a successful investor takes time, patience, trial and error.
    ----------
    Secrets To Successful Investing... www.twitter.com/visiononereal

    Choose A Goal For Your Investment Portfolio =
    Internet Blogs= fruitalinvestment.blogspot.com
    The Most Interesting Blogs On The Web, The Most Educative, Most Instructive -
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    We bring financial education to the youth, and financial literacy to the less fortunate .
    Like Us @ facebook.com/knowledgefinancial
    ---------------
    Contact Us @ LinkedIn.com/in/knowledgefinancial
    Visit Our Blogs @ knowledgefinancial.blogspot.com
    Check Out Our Page @ facebook.com/knowledgefinancialgroupforyou
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    Stocks, Bonds and Mutual Funds, Real Estate...
    Stocks, bonds and mutual funds carry more risk than CDs and Money Market Account. www.knowledgefinancialgroup.blogspot.com
    --------------------
    Knowledge Financial Group - Financial Literacy For Everyone @
    https://twitter.com/knowledgegroup1
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    --------------
    '' Youtube.com/financialschool''-- Money Market Funds: Risks
    and Benefits'''
    -----
    Youtude.com/knowledgefinancial''-
     

     
    • COMMERCIAL REAL ESTATE INVESTMENTS: SOUTH FLORIDA REAL ESTATE PROFESSIONAL.

      SOUTH FLORIDA COMMERCIAL REAL ESTATE INVESTMENTS BY ANTHONY JEANTY image786-709-6577 – 305-974-6717 REAL ESTATE PROFESSIONAL IN THE STATE OF FLORIDA.
      THI S BOG PRESENTS BY: Visionone Real Estate Investment  Group who offers the pros and cons of investing in all relevant commercial deals. 

    =========== The BRRRR Method - Buy, Rehab, Rent, Refinance & Repeat. This is a powerful strategy to build a substantial portfolio of income properties to create massive, passive income from ONE SMALL INVESTMENT.
    • Reasons to Invest in Real Estate...

      • Real estate investors make money through rental income, appreciation, and profits generated by business activities that depend on the property.
      • The benefits of investing in real estate include passive income, stable cash flow, tax advantages, diversification, and leverage.
      • Real estate investment trusts (REITs) offer a way to invest in real estate without having to own, operate, or finance properties.
      • Cash Flow

        Cash flow is the net income from a real estate investment after mortgage payments and operating expenses have been made. A key benefit of real estate investing is its ability to generate cash flow..

      • Tax Breaks and Deductions

        Real estate investors can take advantage of numerous tax breaks and deductions that can save money at tax time. In general, you can deduct the reasonable costs of owning, operating, and managing a property.

      • Build Equity and Wealth

        As you pay down a property mortgage, you build equity—an asset that's part of your net worth. And as you build equity, you have the leverage to buy more properties and increase cash flow and wealth even more.

         

        FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT - WWW.FRUITALINVESTMENT.BLOGSPOT.COM  -

      • Real Estate Leverage

        Leverage is the use of various financial instruments or borrowed capital (e.g., debt) to increase an investment's potential return. A 20% down payment on a mortgage, for example, gets you 100% of the house you want to buy—that's leverage. Because real estate is a tangible asset and one that can serve as collateral, financing is readily available.

        Awesome blogs, very instructive and very informative!
        WWW.BUYHEREMARKET.BLOGSPOT.COM AND
        WWW.KNOWLEDGEFINANCIAL.BLOGSPOT.COM

         

      • Inflation Hedge

        The inflation hedging capability of real estate stems from the positive relationship between GDP growth and the demand for real estate. As economies expand, the demand for real estate drives rents higher. This, in turn, translates into higher capital values. Therefore, real estate tends to maintain the buying power of capital by passing some of the inflationary pressure on to tenants and by incorporating some of the inflationary pressure in the form of capital appreciation.

      • ====
        Knowledge Financial Group brings financial education to the youth, and financial literacy to the less fortunate. Knowledge Financial Group is an absolute source of financial information, we bring financial wellness to more people.
          WWW.KNOWLEDGEFINANCIALGROUP.COM
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        Visionone RealEstate Investment Group brings real estate education to the youth, financial literacy to the less fortunate. Visionone RealEstate Investment is an absolute source of real property information - visiononerealestate.blogspot.com
        Visionone Real Estate Investment Group is a privately own and manage
        firm that investing in real estate of all kind. https://www.knowledgefinancialgroup.com/visiononerealestate.html
        Visionone Real Estate Investment Group is a privately own and manage
        firm that investing in real estate.

        Visionone RealEstate Investment Group is an absolute source of real property information - visiononerealestate.blogspot.com 
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    Debt Service Coverage Ratio Loan (DSCR)

    What Is the Debt Service Coverage Ratio (DSCR)?

    1. DSCR loans are used by new investors to buy their first rental and experienced investors to grow their portfolios. DSCR loans are only for rental properties that generate cash flow, and because they are built for rental properties, DSCR qualification is based on property rental income, not personal income.

    Debt Service Coverage Ratio Loan (DSCR)

    1. DSCR loans are used by new investors to buy their first rental and experienced investors to grow their portfolios. DSCR loans are only for rental properties that generate cash flow, and because they are built for rental properties, DSCR qualification is based on property rental

        • The debt service coverage ratio (DSCR) is a number that measures a property’s current rental income compared to its debt obligations. A DSCR above 1.0 indicates positive cash flow, while a DSCR below 1.0 indicates negative cash flow.
        • A DSCR loan allows a borrower to qualify for financing based on the projected rental income of a property rather than personal income.
        • DSCR loans are designed for real estate investors and can only be used to purchase income-generating properties. DSCR loans can’t be used to buy a primary residence
        • DSCR = ANNUAL GROSS RENTAL INCOME DIVIDED BY DEBT OBLIGATION

      How to Calculate DSCR

        • The debt service coverage ratio measures a property’s annual gross rental income against its annual mortgage debt, including principal, interest, taxes, insurance, and HOA (if applicable). Lenders use DSCR to analyze how much of a loan can be supported by the income coming from the property and to determine how much income coverage there will be at a specific loan amount. When calculating DSCR, lenders do not take into account expenses such as:

        • Next, you’ll need to find your annual debt. Your annual debt for loan qualification purposes equals the total annual principal, interest, taxes, insurance, and HOA (if applicable) payments. Annual Debt = Total Annual PITI payments.

      Step 3

      What Is a DSCR Loan?

        • A DSCR loan is one of several types of home loans referred to as Non-QM loans. Non-QM loans provide potential borrowers with an alternative route to financing, which doesn’t require traditional income verification methods. A DSCR loan, in particular, makes it easier to show rental income that might not show up on your taxes due to deductions for legitimate business expenses.

          A DSCR loan is a strong Non-QM loan for real estate investors. Lenders can use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying personal income.

        • ------

        • Some of the property types you can use a DSCR loan for include:

          • Single Family Residences (SFR), including single-family homes, condos, and townhomes.
          • Multifamily properties (2-10 Units).
          • Rural (acreage limitations apply, and the property’s income must be supported by comparable rents in the area).

          Many real estate investors tend to use DSCR loans for rental income properties that allow them to open up new revenue streams.

        • --------

      DSCR Loan Requirements

        • DSCR loans have specific requirements that borrowers must meet to secure this type of loan. The key DSCR loan requirements include:

          • Minimum credit score of 620: Borrowers’ credit histories and financial stability are evaluated, although credit requirements can vary depending on the lender and specific loan terms. Borrowers who take out a DSCR loan with Griffin Funding have an average credit score of 732, but we can work with borrowers with credit scores as low as 620.
          • Minimum loan amount of $100,000:  DSCR loans offer loan amounts ranging from $100,000 to $20,000,000, providing a flexible financing option for properties that range in cost.
          • Appraisal: An appraisal is conducted to determine the property’s current market value and rental income.
          • Property type: DSCR loans can only be used for investment properties that generate rental income. The property you are purchasing or refinancing must be a non-owner-occupied, income-producing investment property used for business purposes. DSCR loans cannot be used on primary residences.
          Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you... 
          305-784-6554
          --
          Yes,  contact ANTHONY @ 
          305-784-6554 - I can be your advisor, your neighborhood Realtor.

           I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC
          ---
          I would like to help you with your real estate transactions. 
          ----
          As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 
          305-784-6554
          ========
          THE UNIQUE REAL ESTATE AGENT YOU NEED IN MIAMI DADE, BROWARD, & PALM BEACH COUNTY IS ANTONY JEANTY @ 
          305-784-6554

          AND THE ONLY OFFICE IS FIRST CLASS REAL ESTATE - 
          12944 WEST DIXIE HWY - NORTH MIAMI FLORIDA. =  WWW.TWITTER.COM/VISIONONEREAL
           -----
          FIRST CLASS CAN HELP! CONTACT ANTONY@ 305-784-6554 = WWW.VISIONONECAPITAL.BLOGSPOT.COM
          ------
          Real Estate is a great source of wealth creation...
          http://WWW.FACEBOOK.COM/WORLDCLASSREALESTATE 
          ----------
          Real Estate investing could be extremely profitable if the investor done it well. www.visiononerealestate.blogspot.com
          ----------
          Anthony Real estate Service For Buyers And Sellers.
           SOUTH FLORIDA CONTACT ANTHONY @ 305-784-6554
          =========
          Real Estate is the absolute pathway to build wealth. -
          www.antonyrealestate.blogspot.com 

          =======
          ANTONY JEANTY, Real Estate: Buying - Selling - Leasing: 
          I can Help! Residential And, OR Commercial Real Estate - 305-784-6554

          ----- LOOKING FOR RENTAL REAL ESTATE PROPERTY:
          -----
          The Renters' Choice IN MIAMI DADE, BROWARD AND PALM BEACH COUNTY FLORIDA - 305-784-6554
          ------
          Homes for Rent Near By: Single Family - Apartment - Townhouse, places for business... CONTACT, ANTONY @ 305-784-6554
          =====
          Real estate agents in Miami-Dade County, FL -
           305-784-6554
          ---
          North Miami FL Rental Listings - https://anthonyrealestate.blogspot.com
          --
          Broward County FL Rental Listings...
          Real estate agents in Broward County, FL. 305-784-65534
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          North Miami Beach FL Rental Listings... http://WWW.YOUTUBE.COM/VISIONONEREALESTATE
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          Real estate agents in Palm Beach County, FL -
           305-784-6554
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          Palm Beach County FL Rental Listings...
          Real estate agents in Broward County, FL. 305-784-65534 - http://www.facebook.com/worldclassrealestate

          Save for a Down Payment

          ""

          One of the biggest hurdles people think of when considering how to get into real estate is the down payment. However, this can actually be a relatively simple part of the process!

          """"

          If you already own your home, you can use the equity for a downpayment on an investment property (more on that later).

          """"

          If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth. 

          """

          There are programs like FHA and VA loans that offer first time homebuyers the ability to purchase a home, dowm-payment assistant programs in your city or county.

          ""

          To improve your credit score:

          ""
          • Pay off outstanding debt—especially high-interest credit cards.
          • Make all payments on time.
          • Keep your credit utilization low (under 30%).
          • Avoid opening new lines of credit.
          • Check your credit report regularly and dispute any errors.
          • -------------

          If your score is below 700, focus on improving it before applying for an investment loan. Some lenders require at least 720 for the best terms. A better score means lower borrowing costs.

          • You Make Money When You Buy, Not When You Sell

            Many beginners think they will profit when they sell a property, but the real money is made at the purchase.

          • ---------
          • The goal is to buy properties below market value, allowing for built-in equity from the start.
          • ------------
          • Strategies like foreclosures, off-market deals, distressed sales, and motivated seller negotiations can help secure a great deal.
          • -------
          • Consider the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) to grow your portfolio without tying up too much capital.

          Protect Your Investments: Never Own Properties in Your Personal Nam

          ""

          Real estate comes with risks, and owning rental properties in your name exposes you to liability. Instead:

          ""

          Additionally, umbrella insurance policies can provide extra protection for a small annual cost.

          "" What every real estate investor needs to know about multifamily and commercial real estate investing...
          Do you want to create passive income, reach financial freedom, and build generational wealth.
          ------------
          Have you ever wondered how to get into real estate but felt like you didn’t have the resources or expertise to start? https://www.knowledgefinancialgroup.com/visiononerealestate.html
          -----
          Fear will always keep you from moving forward, but the truth is there are proven, no-money-down, low-risk real estate investing strategies that almost anyone can implement. If you’re not quite ready yet, there is a straightforward process to prepare
          -------

          to Get into Real Estate: First Steps

          Define Your Why

          Real estate investing is more than just a wealth-building tool—it’s a pathway to financial freedom.

          ---

          Define the reasons why you should be a real estate invest

          If you’re renting, you’re already paying a monthly expense—but you’re not building equity. Instead, put that money toward your own home so you can start building wealth.  https://visiononerealestate.blogspot.com/

          ------

          Before Purchasing, Ask: “What Will It Rent For?”

          One of the biggest mistakes new investors make is buying a property without understanding its rental potential

          -----
          • The goal is to buy properties below market value, allowing for built-in equity from the start. x.com/visiononereal
            ——–
            Visionone Real Estate Investment Group, we always want to be the most trusted source for real estate investing.
            I prefer to make an average deal on a great property than a great deal on an average property
            ———
            Visionone Real Estate focuses on the specific Tenants and the Lease Terms making him a unique investor who can create wealth in any market. https://visiononerealestate.blogspot.com/
            —–
            Visionone Real Estate Investment Group loves buying the right bargain residential properties below comparable sales in the right locations, then rehabbing them and reselling them but not so fast could potentially make you hundreds of thousands of dollars. 
            Visionone Real Estate Investment Explans the difference between a professional expert and a sometimes lucky amateur. Is simply the first can make things happen again and again with a high degree of accuracy.
            When the second doesn’t even know what happened. Don’t be an amateur INVEST WITH US for the Commercial Real Estate, OR JOIN OUR TEAM  https://www.facebook.com/Antonyrealestate/
          • Anthony Real estate Service For Buyers And Sellers 

            https://anthonyrealestate.blogspot.com/ 
          How to Sell a Home For Sale By Owner (FSBO)
          If you are one of the rare few who have the time and energy required to sell your own home,
          you will certainly want to do your homework before you begin trying to sell by owner. Figuring
          out how to sell a home for sale by owner is not an easy task
          . In fact national statistics show that over 80% of all
          homeowners end up listing with a real estate agent after attempting to sell as a FSBO. In other words most for sale by owners fail in their quest to sell
          without the assistance of a Realtor.

          It is really not all that surprising given the fact a lot of things that go into selling a home – hence why real estate agents often work long hours and
          weekends. Even selling a single home can involve numerous hours of preparation and a lot of legwork to manage successfully.

          This is an important consideration when planning on how to sell for sale by owner. You should be well prepared to invest a significant time and effort on
          your sale.

          The biggest motivation for most homeowners trying to sell by owner is money. There are some sellers who unfortunately do not have the finances to pay a
          real estate commission which can amount to thousands of dollars. The commission in most places around the country can range anywhere from 4-7% of the
          homes sale price. Quite a bit of money if you are strapped for cash. For these folks going after that 20 percent who are successful selling their homes as a
          for sale by owner is worth it. There are also some FSBO’s that have had a bad experience with an agent and decide to see if they can do it themselves.

          Given the fact that so many for sale by owner’s end up failing in their attempt to sell, I have decided to offer some tips on how you can go about selling a
          home for sale by owner. These are the things you really need to think about when going FSBO!
          Prepare The Home For Sale

          You want buyers to love your home. While the things you can do are not a guarantee that this will happen, you can certainly help the situation along. Take a
          hard look at your home for any major issues that you have the time and money to fix. These things need to be taken care of before you put the home on the
          market. Sometimes it is the little things you do before putting your home up for sale that can make all the difference in the world.

          These issues can include things like pet damage, carpet stains, odors and damage to the yard. This is also the time to tackle any affordable improvements
          that may add value, including kitchen and bathroom remodels, new carpeting, replaced appliances, landscaping and anything else you can think of. Once the
          repairs and remodeling is finished, clean the house from top to bottom and keep it that way as much as possible while the home is up for sale.
          -------------------------------------- 
          ----------
          As Realtor, Real Estate Professional we've
          some very good advice for FSBOs...
          Some of the most important pre-listing tasks that FSBOs should do
          before listing their home for sale include;

           Decluttering
           Freshly paint rooms
           Professionally clean carpets and/or floors
           Complete any neglected repairs
           Replace outdated light fixtures
           Make sure your home has good curb appeal

          The above home preparation tips will greatly increase the chances of a
          successful FSBO.  Remember, when it comes to selling a home, there
          is only one chance to make a first impression and by neglecting these
          home sale preparation tips, you could be costing yourself a sale.
          -------
          Most FSBOs Don’t Know How To Screen
          Potentials Buyers
          Rreal estate professional like Anthony learned how to screen potential
          buyers.  One of the biggest reasons why FSBOs fail in real estate is
          because the homeowner has no clue what questions they should be
          asking or how to screen the potential buyers.
          ------------
          Home buyers and buyers agents want quick
          responses
           on their inquiries, otherwise, they will often move
          onto the next potential property
          ----------
          FSBOs Don’t usually Know How To Negotiate
          With Potential Buyers Offers/Contract
          .
          Real estate contracts can be confusing which is why it is one of
          the top reasons FSBOs fail in real estate.

          A FSBO who doesn’t have a strong understanding of a real estate
          contract may not know what they are agreeing and also the
          possibility exists they don’t know how to negotiate specific parts
          of the contract.

          Real estate contracts are loaded with lots of clauses, timelines,
          and also many common contract contingencies, such as
          mortgages and inspections.

          It’s important that if you plan on selling your home by yourself, you
          understand that the contract is more involved than just the price
          the buyer is offering.  

          ---------------
          Most FSBOs Don’t Know How To
          Handle The Home Inspection Findings
          Most home buyers want to have a home inspection and there are
          many reasons why a home buyer should have a home inspection
          when buying a home.  One of the most common reasons why
          FSBOs fail in real estate is because the homeowner does not
          know how to handle the home inspection phase of the real estate
          transaction.


          Another common reason why FSBOs are unsuccessful is
          because the homeowner is not willing to pay a buyers agent a
          commission.

          A FSBO is able to save the commission they would have to pay a
          listing broker and some are willing to pay a buyers
          representative, which is a smart idea.

          FSBOs who are unwilling to pay a buyers agent a commission
          will greatly reduce the chance of a successful sale.

          As a home seller, If you must attempt to sell your home without
          a professional real estate agent or broker, which is never
          suggested, agreeing to pay a buyers agent is a very smart
          decision.
          ----------------
          FSBOs Home Is Lacking Exposure
          One of the biggest reasons FSBOs fail in real estate is because
          the homeowner is not able to get their home in front of enough
          potential home buyers like a real estate agent; Anthony Jeanty
          in south Florida who has the capacity to put a home for sale on
          over 100 different websites and or social media pages.
          -----------------
          Realtor like Anthony Jeanty is capable
          to give  sellers homes tons of
          exposure.
          Whether it’s online exposure or exposure in the local real
          estate section of the newspaper, blogs, Realtor like Anthony
          has the tools to provide exposure that FSBOs do not.  

          The use of cutting-edge technology and a comprehensive
          marketing plan are just a couple things that sellers should
          expect when they hire a Realtor like Anthony Jeanty in south
          Florida to sell their homes, their real estate properties.
          ----------------
          The FSBO Incorrectly Prices Their
          Home
          Learning how to properly price real estate takes lots of practice
          and experience.  One of the biggest reasons why FSBOs fail in
          real estate is because the homeowner incorrectly prices their
          home.  There are many factors to consider when pricing a home
          for sale said Anthony Jeanty in Florida.

          As home sellers If you decide to attempt the sale of your home
          without a Realtor, you should consider having an appraisal
          completed on your home.  An appraisal can help verify that the
          price you’re thinking of listing your home for sale at, is in line
          with what an appraiser indicates your home is worth.
          ------------------
          FSBOs Don’t Know How To Ensure
          The Deal Actually Closes

          Once a purchase offer is accepted on a piece of real estate,
          there are many things that still need to be completed prior to
          the closing.  Another common reason why FSBOs fail is because
          the homeowner doesn’t know what to do after accepting the
          offer and the ball is dropped somewhere along the line.

          There are specific timelines that should be followed as well as
          specific tasks that need to be completed by different parties.  
          Many times a FSBO doesn’t understand who needs to be doing
          what and when the tasks should be completed said Anthony.

          Real Estate: Buying - Selling - Leasing: I can Help You!
          Residential And Commercial Real Estate - 305-784-6554
          ANTONY JEANTY, DIGITAL CREATOR - CONTENT CREATOR FOR:

          VISIONONE REAL ESTATE INVESTMENT GROUP -
          ------
          -----
          ---
          I would like to help you with your real estate transactions.
          As a Realtor, I am dedicated to help you sell your property or to help you find the property of your dreams. 305-784-6554
          -------
          Thinking of buying or selling a real estate property, everything you need a knowledgeable and experienced real estate agent advocating for you...
          ---
          Yes contact ANTHONY @ 305-784-6554 - I can be your advisor, your neighborhood Realtor. I am first class, everyone deserves a first class service. I am with First Class Real Estate LLC
          -----