Phone number email*IF YOU BUY HOUSES WITH OWNER FINANCING* Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of homeowners to sell properties in this already-slow market.In the past year, I have purchased and renovated several homes--made possible only because the sellers of these homes were able to sell to me using owner financing in an unrestricted way.For many of these property owners, seller financing was the only way to unburden themselves of an unwanted property that, in some cases, was headed toward foreclosure before I purchased it.Without this ability, I cannot continue to buy and renovate properties in the neighborhoods that so need my colleagues and me to invest our time, energy, and money in rehabbing properties.

They must be past the chewing and piddling stage.Terriers and high energy breeds, I won't acept less than 18 months of age.With a 4 month old pit-bull puppy, you'll be lucky if the kitchen cabinets and all the baseboard aren't chewed to splinters.

My preference is to select the Management Company first, and pick their brains in the design phase as to what it takes to have an efficient and profitable facility.

While this term carries a positive connotation, I contend that in the world of real estate, it can be interpreted differently.Here are my thoughts.Real Estate Experts - are people, like many of our incredible members, who are "experts" in the world of real estate, but who freely give of their time and energy to help others.

The 11 unit is uncertain because he's made some energy upgrades -- last year most rents included electricity and now most pay their own so I used 20% of last year's numbers.

CL ads are the most effective and cost efficient way of getting tenants into properties.

A majority of our holdings are located in Northern Nevada and continue to be a mecca for alternative energy research.

Do you jump to multifamily at some point in order to maintain the cashflow more efficiently?

So, I meant that its not as efficient as some of the others, but its still working for me as is.

For example, I have some condos in which the building is upgrading the original heating system to a high efficiency heating system this year and it's basically going to cost me $1,200 for each unit I own.