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Home Renting,Real Estate Market

RTO Reviews Bringing The Heat

3 Aug , 2016  

Something is totally out of this world, and it’s on fire! No, it’s not the sun, and I’m sure that’s exactly what you were thinking of, that’s acceptable. It’s something a little bit different, but equally as hot. Ever heard of RTO Reviews? If this is your first time ever coming across those specific words paired together, then you have some catching up to do, because this website is bringing some insane information your way. This site is chock full of useful information that you might want to know for the future. Renting a home can get tricky, but with the right sites and right information, you can breeze through real estate.

RTO Reviews: What’s The Big Deal?Rent to own reviews 2 RTO reviews

What’s the big deal? The better question should be why don’t more people know about it? This incredible website brings an amazing amount of detail and information, easy to read, and easy to understand. If you have ever had any sort of complications when it comes to real estate, or worry, worry no more! Heading over to RentToOwnReviews.com will instantly give you access to all of this information, and then some! So stop whatever it is that you’re doing, and wait no more! If you’re in need of help, this is the place to go to.

RTO: The Breakdown

So this website is pretty great, but what exactly is on it? Good thing we’re thinking the same thing right now, because I’m about to let you in on a not-so-little secret. RTO Reviews is chock full of a bunch of different services, and reviews on each service. If you’re looking for a review on a service that provides a Free List of Rent To Own Homes, you’ve gone to the right place. What about a review on a service about home renting? Lucky you! There’s one for that too!

Rent To Own Reviews is something that everyone should end up using at least once in their lives. The design and set up of the site is beyond brilliant, and brings ease to anyone who is struggling with real estate.

For more information, or to visit the site, click right here!

 

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Home Renting,Real Estate Market,Rent-to-Own Homes

How Rent-To-Own Works For You

11 Jul , 2016  

What Are Your Living Options?

a. Buy a house outright. The_Earth_seen_from_Apollo_17_with_transparent_background (1)

b. Buy a house slowly by being approved by a banking institution due to good credit. Put something down on a house and pay monthly mortgage payments.

c. Rent a house from someone else who had the privilege of (a.) or (b.)

d. Put something down on a house and pay monthly rent payments that come off of the total cost of the house. And when your credit is better, sign a mortgage and own it because you’ve earned the privilege.

e. None of the above. You live on the streets, in a tent, in a hammock, at your aunties or your grandma’s house that she (a.), (b.), (c.) or (d.)

What’s The Worst Case Scenario With Rent-To-Own?

27220081490_c9b5f4ca54_ba.  You want to move before your rent to own contract is up, and the money you put into renting could come off the cost of the house, but it doesn’t because rent will not transfer as back payment for a different location.

b. Your credit doesn’t improve despite the rental payment history added to your report maybe because you neglect your bills and leave items in collections and your credit doesn’t improve …and in 1-3 years you cannot buy the house, you have to keep renting-to-own…

c. You just rent while you repair credit to buy…and the money definitely goes in the black hole and you don’t “get ahead” to (a.) or (b.).

Pass the test. You HAVE to live somewhere. Somehow. Perhaps rent-to-own answers is your answer. Click here to find out. 

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Home Renting,Real Estate Market,Rent-to-Own Homes

YOU Are A Better Owner For That House Than A Hedge Fund

28 Jun , 2016  

Personally, I love conspiracy theories. “There’s truth in everything.” It gives the our world the drama of TV without the glass between.

Here’s a juicy one: Hedge funds are going to own all the property and land, and will be landlord lords of all… playing hero through programs like HARP Program and in the name of economic growth! “Make America Great Again!” through the Federal Reserve lowering interest rates…meanwhile shipping jobs out, stagnating wages, increasing the cost of school, etc to hundreds of other aspects of life…and you get a mortgage in hopes that you’ll default. And the media distracts you with entertainment news and makes political news entertaining. And then convoluted, ambiguous fund who’s only rule is that an accredited (rich) person(s) need to be behind only 65% of that fund…read this article “What In The World Is Going On With Hedge Funds?”

Historically The Land Has Been In the Hands of The Baddest and Richest in The Land

Here is England’s historical social structure, for example.

The gist is: the nobles owned the land and the king told them what to do with it – add in the usual levels of corruption. The Knights fight for (or against some other) the king, and the gentry are educated with books written by the king(‘s people) and the serf or husbandman were RENTING the land and felt pretty good as long as there was some cottager (or child?) that they could boss around to ‘play king’. And then there’s the lowest, who own nothing and have nothing to do with it. This would be the Jesus type of character. And there, with new-to-you vocabular and contextualization, you have America! In 2016?

One guess who hold the trump card in this situation? There’s a really good hint within that sentence.

Here’s some news:Poker-sm-212-Ks (1)

Morning Agenda, Donald Trump Names Hedge Fund Manager as National Finance Chairman

Pull the wool over eyes:

Trump’s Tough Talk on Hedge-Funds Taxes Do Not Match His Plan

Wolves in sheep’s clothes:

Fundraisers Make Pitch For Trump At Hedge Fund Conference

Pull wool off the wolves, will you?:

Donald Trump Has Been Revealed

Okay – So the conspiracy theory is: Trump and his nobles are hedge fund investors with the wealth in their deep, hidden pockets and with the government’s support through popular property-buy-out programs… hedge funds can systematically buy all property and be the landlords of all.

This Land Is Your Land…This Land Is Maintained By Us All

The truth is probably somewhere in between. We probably won’t be in another dark age. But the caste system is alive and well, isn’t it?

As long as there’s Game of Thrones through the looking glass…

You! renting-to-own your own home is the best answer for this conspiracy theory.

Click here to do your part. 

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Why Rent To Own Homes Are Important

24 Jun , 2016  

After 2008, people had to really become creative when it came to housing. Rent To Own Homes were an amazing one of theses solutions because it allows you to “test drive” the home before you commit to buying it.

How it works is that the tenant rents the home for a certain amount of time. Say, a year, then when that time is up, they are given the option to purchase the home. Often, they will be paying the down payment for the house a little bit every month proceeding the purchase. That is a portion of their rent during those months of renting.

Why Rent To Ow8233501246_a74b552023_bn Is Important

  • You may also purchase the option to buy the property for a predetermined price at the end of your lease by putting down a payment. With this option in place, you are not bound to purchase at the end of the lease, but meanwhile, the property owner can’t sell to anyone else.
  • Plans like this can appeal to people with little or no savings for a down payment, or people with bad credit or no credit who don’t qualify for traditional mortgages. Including those who lost their homes in foreclosures.
  • Renting to own is also a way to get into a desired neighborhood in a timely matter. As with parents who need to be in school district for their kids, or people who are uncertain of their timeline. It’s a way to get into a house without committing to a 30 year mortgage.

What To You Do Next?Property

The Sub Prime Credit Store’s rent to own program helps you find a home, protects you legally, negotiates your lease, fixes your credit, helps you acquire a loan and close one that real estate. Lets just say it is the one-stop-shop for anything financial. So stop settling. Get into the home of your dreams.

The post Why Rent To Own Homes Are Important appeared first on RentToOwnReviews.

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Condominiums,Credit Repair,HOAs,Home Mortgages,Home Renting,Home Selling,Land Contracts,Landlords,Real Estate Market,Rent-to-Own Homes,Taxes

Everything You Need To Know About Rent-To-Own Homes

17 Jun , 2016  

Rent-to-own homes are a new and wonderful innovation in the real estate industry. Often Rent-To-Own homes are wonderful for people who normally may not get approved for a normal home loan. Buying a home through a rent-to-own agreement has become more popular in the aftermath of the 2008 financial meltdown. More people have been looking at creative solutions to buying a home. Find out if Rent-To-Own is the right option for you.

Time Frame For Rent-To-Own

  • The initial lease spans usually from a year to three years, giving you plenty of time to make a safe and well educated decision on your future home purchase.
  • Usually only one person can make the decision to purchase the home during the agreed lease period.

Trust A Professionalimages rent-to-own

  • As with all real estate, its important to make sure that all of the information that you are receiving about your new home, as well as the mortgage, insurance, etc. is clear and well defined. You don’t want to make a mistake that could effect you future in your new home negatively. So make sure to trust the people that definitely know what they are doing.

Keep Detailed Records

  • As with any financial transaction, its important to keep a detailed and specific paper trail. This will be helpful in your final purchase or showing the bank that you have made on time and consistent contributions to your rent or down payment.

Rent-To-Own Prices

  • The price that you initially agree upon with the owner of the home is locked in after signing the lease agreement for the time that you are renting.
  • For example, the house could be rented by its owner for a standard rent of $1,750. But when negotiating the rent-to-own contract, you and the homeowner can agree that you will pay $2,000 a month, with $250 as your home buying credit. At the end of a three-year lease, you’ll have $9,000 set aside. That money is returned to you at the time of settlement and can be used for your money deposit, down payment or closing costs.

Now that you have the information the information, think purely about the benefits that renting-to-download (3) rent-to-ownown could bring you!

  • Its easy to qualify. The seller dictates the qualifications, making it much easier for most people to qualify.
  • You can immediately occupy the home. After paying the lease fee, the buyer is free to move into the home without the normal home buying hoops to jump through.
  • You get to try  the home before purchasing. You have time (often years) between when you move in and when you purchase the home, making you more comfortable with the decision.
  • No property taxes. Until you have fully purchased the home, it is the seller’s responsibility to pay the property taxes.

With all of these benefits, it makes a lot of sense that the rent-to-own market has exploded in recent years. Don’t let this deal pass you by. Look at your options and take advantage.

 

The post Everything You Need To Know About Rent-To-Own Homes appeared first on The Complete Real Estate Site.

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Home Mortgages,Home Selling,Real Estate Market,Rent-to-Own Homes

Why You Shouldn’t Be Afraid to Take Photos at an Open House

28 Mar , 2016  

We’re willing to bet you’ve probably never seen any prospective U.S. home buyers walking around inside a property for an open house with a big camera in hand, snapping away at every possible angle. The thought’s preposterous, because the website or flyer already has a detailed listing of photos! What’s the point?

The Point Is This: Not Even the Best Photos a Real Estate Agent Can Take Will Show Everything About an Open House

A house could be haunted. There could be black mold or something. And understand this: a real estate agent will do whatever he or she can to highlight the strengths of the property and minimize the weaknesses as much as possible.

But as a prospective United States home buyer, you still have the right to know absolutely everything about a property before even considering buying it. Even as an American RTO possibility, that’s of specific importance; think about it.open house

You’re going to buy the darn thing! Why not make sure you’re investing in something worthwhile?

You Have to Understand That Some Homeowners/Tenants May Get Antsy

And they have every right to. Legally, an American homeowner looking to sell the house, or even rent it out for RTO, might actually have a problem with a prospective home buyer snapping pictures of the portraits of the cat, dog, son, daughter or vase up the stairway, just as an example. But here’s the thing….

You, as a home buyer, have every right to know everything you need to know about the house. Therefore, your RTO consultant can work with the homeowner, and/or realtor in a situation, to ask the homeowner’s permission to take photos. And that’s something you can definitely work with.

A homeowner, home seller, or prospective RTO landlord needs to understand this — if you’re not letting your prospects know everything about your property, chances are you’ll lose buyers pretty quick.

It’s All About Negotiation and Consultation

That’s just another big reason why you’d need a rent-to-own consultant on your side. It’s hard enough working with an agent. Try just any homeowner working on finding a tenant for a U.S. rent-to-own. Try a homeowner working without the knowledge, know-how, and resources to make the right decisions!

In other words: SIGN UP WITH YOUR NAME, U.S. PHONE NUMBER, AND EMAIL FOR YOUR RTO CONSULTANT TODAY.

Check them out at RTO Reviews for more info about what they can do for you right now.

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Home Renting,Real Estate Market,Rent-to-Own Homes

RTOR’s Latest Review: Rent-to-Own Consultants

22 Jan , 2016  

Diamonds. We love them. Ladies love them. Rent-to-own consultants and gurus love them, too. They’re sparkly. They’re pricey. That’s part of the allure, though, of the diamond, whether it’s a round cut, princess or marquise. However, as fun and trendy as it is for a lovely lady to receive such a radiant treasure, one thing’s for sure — if you just don’t have the funds to buy, you’re out of luck. More importantly, if you don’t find the right jewel for the money, you’re up a creek.

Rent-to-Own Homes Are Just Like That: They’re Those Pricey Jewels We Want so rent-to-own consultants diamondBadly But Can’t Have

In the real estate market, we look for the best deals. These days, it seems, rent-to-own homes are among those best deals, but they’re often difficult to find, hard to negotiate over, and a challenge to traverse through the legal channels of making sure you’re in compliance with an industry already littered with pitfalls. This is why oftentimes real estate agents don’t care too much for the rent-to-own home, because such a contract only involves the landlord/homeowner and the tenant/home buyer. Nobody else. No lawyers (although they can be included, obviously for a hefty retaining fee), no agents, no nothing.

This Is Where Rent-to-Own Consultants Come In

Rent-to-Own Consultants has changed the real estate landscape to a certain degree: they’re the middle man. The advocate. The diamond cutter. With them, they can resolve any need for legal representation, gain access to any list of rent-to-own homes, and even offer affiliate services for anything like credit repair or identity theft protection. They are what they say they are: consultants. And their fee isn’t as pricey as any of those diamonds you’ll find at Jared.

Aside from this review from RTOR, you can even check out Nationwide Property Value’s take on them as well as Assisting Renters’ viewpoint and know the truth: the Rent-to-Own Consultants bring the goods as an affiliate of the BBB A-rated H.O.P.E. Program — in any shape, cut or shine you could ever want in a rent-to-own home.

The post RTOR’s Latest Review: Rent-to-Own Consultants appeared first on RentToOwnReviews.

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Home Renting,Real Estate Market,Rent-to-Own Homes

Do You Want REAL Rent-to-Own Homes? SIGN UP NOW.

22 Jan , 2016  

We’ll be honest here: the real estate industry’s cutthroat. We accept that. It therefore means you may hit pitfall or trapdoor in your trek through the jungle that is this market due to the fact that there may be scammers out there, and even the best services like the Ultimate Rent-to-Own Home Program and this free list of rent-to-own homes may grab some of those posers, unknowingly filtering them out to the most hopeful home renters and homeowners with 640 credit scores. Know this: these services are on top of the game to eliminate the pests infesting our markets as well as keeping the information updated, for sure, but you may still be asking the big question: where are the real rent-to-own homes and can I just get access to the information directly?real rent to own homes tiger

Sometimes Contact Information Is Key When It Comes to Real Rent-to-Own Homes

You might even have paid the valuable $49 with the Rent-to-Own Consultants to handle everything from the landlord negotiation to credit repair, which is hats off to you, but let me tell you this: you receive great autonomy and power when the contact information for any particular address in your zip code is ripe for the taking, and then you pass on that information to your resources and skyrocket to the top of the waiting list for a showing, plus an immediate offer for a contract to get into a rent-to-own home!

Enter: this website. The REAL rent-to-own homes, without even signing up for a membership. Just a Google-type search engine getting you past that front door and offering you the contact information you need to get a hold of those landlords, those homeowners offering their real rent-to-own homes.

Efficiency, Convenience, Quality Leads, and Success in Finding Real Rent-to-Own Homes

Check out our front page for a quick look at this site and its 5-star rating. It’s true. You don’t get redirected to a new website or anything. You just get the contact information you need to make the call yourself. Or you can get a hold of the Ultimate Rent-to-Own Home Program, H.O.P.E. to Own, or a quick appointment with your Rent-to-Own Consultants to let them handle the inquiry for you.

The first step is getting that access immediately. And that’s your secret weapon in this real estate jungle. Because we all know that while the real estate market’s cutthroat, it’s also competitive. And if you get that access to real rent-to-own homes, you just might find yourself at the top of the list, getting into that home you always wanted first. And let the lions, tigers and bears feast on the stragglers behind you.

The post Do You Want REAL Rent-to-Own Homes? SIGN UP NOW. appeared first on RentToOwnReviews.

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Home Renting,Real Estate Market,Rent-to-Own Homes,Taxes

What to Do With Rental Properties on Taxes When Getting Divorced

22 Jan , 2016  

RTO is one thing; what about rental properties? What if you are the landlord/homeowner? What if you are the one offering that rent-to-own property? What if you are the one offering that rent-to-own property, and you get divorced with your spouse? What can you do with those rental properties? How does that affect your taxes? What will happen to your tenants?

Questions, Questions, Questions — Stressful, Stressful, STRESSFULrental properties knot

Whenever on the subject of taxes, the prospect’s overwhelming. You’ve got that tax return to file. You’re not great with numbers — and let’s not forget about the fact that you’re dealing with divorce, and there are plenty of options on your plate about what to do with the home (and the kids, finances, cars, etc. etc.). Now you have to also worry about rental properties, tenants, and other stuff. It can be a headache.

Here’s what you have to understand about rental property: they’re not your primary residences. Hence tax issues will be a bit different than when considering your actual home, the actual place you live in.

We all know there are tax benefits when selling a home (only when it’s your actual place of residence, though). When you divorce, the question is this: do you want to share ownership of those rental properties (in which case you’ll both pay taxes on them)? Or do you want to transfer ownership to the ex-spouse? It’s good to know that transfer of ownership won’t cause any tax repercussions for either spouse. However, you most likely will pay taxes if and when you ever sell those rental properties; so keep that in mind.

Those Rental Properties Need to Be Addressed

Of course, rental properties are a source of revenue. You want it, you pay property taxes for it; you don’t want it, transfer ownership. If both spouses don’t want the rental properties in question — be prepared. Consult with an attorney, if you will, but be sure to discuss your situation with an expert from the Income Tax Planning Network immediately. You don’t want to leave this loose end untied.

 

The post What to Do With Rental Properties on Taxes When Getting Divorced appeared first on RentToOwnReviews.

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

The Current State of the RTO Home Industry: a Continuing Trend

22 Jan , 2016  

Read about any of the reviews regarding the Ultimate Rent-to-Own Home Program, this list of rent-to-own homes, and an aggregate system for RTO properties, and you’ll know right away: the RTO home industry is still as popular as ever….

The News in Today’s RTO Home Industry Might Surprise You, Though: Wall Street’s Getting in on the Action

You heard correctly: even high-profile firms are seeing the value in the RTO home industry. Rent-to-own makes more than the mark. It’s seeking to revolutionize the housing market regarding credit repair thanks to recent developments on one of the most prolific rent-to-own companies — aside from the prestigious organization the H.O.P.E. Program — a “little” corporation known as the Home Partners of America (HPA).

But before we get to the goods on what’s going on in this RTO home industry with respect to the HPA, let’s understand exactly what rent-to-own is all about:rto home industry-1

What Is Rent-to-Own? And Why Would You Want This Option?

Forget the negativity of an option that is rent-to-own and realize that there’s a direct benefit not just for the homeowner, but the home buyer here. All sorts of rent-to-own programs existed through small operators became the rage back in the ’90s as a way to provide an alternative to consumers who may not have a whole lot of cash saved up for a sizable down payment on a mortgage. Understandable. However, almost as quickly as the RTO home industry started seeing some gains, the trend declined due to easy lending choices with no money down — which, as you know, most definitely contributed to the unfortunate housing crash in 2008!

Essentially, the RTO home industry was all about negotiating a deal between the homeowner and the potential home buyer to rent the home for a specific length of time with an option to buy later down the road as credit improves and the home renter saves up enough money for a possible down payment. Sounds good, obviously, but there were cons to the RTO home industry, such as a higher rent and purchase price the longer they rent vs. the fact that those potential home buyers get to lock in that home at a price (which could be a negative, too) and try out the home and neighborhood to see if it’s a great fit for the individual or family. In a sense, the RTO home industry provided something rarely seen in the housing market: flexibility.

rto home industry-2Enter: the Home Partners of America

Given the fact that lenders nowadays are setting the bar so high, what with credit scores being the make-or-break deal in securing that mortgage loan, it’s now a sure thing: the RTO home industry’s rising again, and for good reason. The HPA sought to target this market that hadn’t seen any development for years since the crash, and it looks as if they’ve nailed a chance to stimulate the industry and get people into homes without issues of foreclosure or decline.

This is how the HPA operates — you’ve got a consumer looking for a home (obviously, a rent-to-own home) and collaborates with a real estate agent. Of course, the HPA has literally an empire of approved communities in suburban locations with solid school systems for families; additionally, prrices range from $100K to $725K, so you’re looking at an RTO home industry that blankets the entire range of possibilities for home buying.

What happens, of course, is the HPA then actually purchases the home from the seller, leasing that home to the prospective consumer. The deal is the consumer becomes a home renter with the actual right to purchase the home after a set period of time. There is an expectation that the home renter has to work on repairing credit for approval of a home loan as well as saving for that down payment, but here’s the catch: the longer that home renter is renting on the property, the more they may have to pay just to buy the house. Interesting trade-off. But with the right rent-to-own resources, and education on the RTO home industry, while it may benefit the homeowner, you’re looking at a great option for the home buyer!

Are There Any Examples We Can See on the RTO Home Industry Right Now?

If you were to go on the HPA website, you might see a home shown at a listing price of $449,975 in Chula Vista, CA, with the option for a potential home buyer to purchase at a price of $472,035 just after one year. Now after five years of renting, the home buyer would be looking at a $573,762 purchase price — a 28% markup from the original listing.

Sounds bad, yes — but when you’re informed of the stipulations beforehand and you know what to expect, without rto home industry-3even worrying about whether or not a bank will approve a home loan for you — for many families out there, that’s a great deal! Security. Insurance. Assurance. Those are now the main assets in this housing market, thanks to the RTO home industry.

How Does That Compare to Home Renting and Mortgage Payment Averages, Though?

Given the rising prices in our market at the moment, it’s not far off the apple tree — but make no mistake as those potential home buyers will be paying a premium due to a rent-to-own. Your typical 30-year conventional mortgage for the exact same listing in the example would go for just $1.8K. Now with an average single-family rental payment of $2.270K/month in San Diego, this is what the prospective homeowner’s paying extra for — the lock-in for buying that home without any chance of it falling through. Something many people see in the real estate market, for good reason (we, after all, don’t want to see another housing crash, right?).

A sparkling credit score, and a good down payment: that’s typically what we end up seeing in a traditional mortgage, something that doesn’t always work out for the average consumer. So, naturally, a chance to repair credit while living in the home, plus potentially getting the loan at the lease option to buy with zero down, just might be worth the extra price in rent, don’t you think? And here’s an even better benefit for that home renter: the tenant isn’t required to buy!

Interest in the RTO Home Industry Is Still Steadily Growing….

The HPA isn’t the only organization seeing a profit in the RTO home industry. Home LPC in NYC and Premium Point Investments have also thrown their financial hats in to see if there’s a profit to make in buying these properties and renting them out with a lease option to buy. More and more homes are being bought out for the purpose of rent-to-own; and due to the flexibility not only for the seller/company as well as the renter/buyer, it’s quite hard to see any disadvantage.

You just have to remember one important point when it comes to the RTO home industry — you need to know where to look, what to do, how to do it, and someone to help you do it all the way through. Something that may actually come a little easier for a prospective homeowner than saving a ton of money for a down payment and getting that mortgage approval….

The post The Current State of the RTO Home Industry: a Continuing Trend appeared first on RentToOwnReviews.

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