Re investment news november 2016
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The RE Ivestment News is the newsletter for Mid-America Association of Real Estate Investors. This month HR5301, Fire Safety, Interior Inspections and Networking.
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Re investment news november 2016
- 1. S M O K E D E T E C T O R S : W H A T Y O U N E E D T O K N O W ! I n v e s t o r s T a k e A c t i o n from National REIA N E W S L E T T E R F O R M I D - A M E R I C A A S S O C I A T I O N O F R E A L E S T A T E I N V E S T O R S N E W S NOVEMER 2016 HR 5301 Calendar of Events Market Update Business Directory from MAREI Staff PLUS RE I N T E R I O R I N S P E C T I O N S INVESTMENT
- 3. Smoke Detectors what you need to know Article from Rebecca McClain & National REIA's RE Journal (https://issuu.com/nreia/docs) NationalREIAhasbeencloselymonitoring thechangeinlawsaboutsmokeandcarbon monoxidedetectorsacrossthecountry. One casehitclosetohomeasmysonhadfriends thatwereaffected. OnJanuary1,2013inthe UniversityofCincinnaticampusareathree blocksoffcampus,twocollegestudentsdied ofsmokeinhalationduetoasmolderingfire. Asalandlord,gettingacallaboutatenant dyinginafireatoneofmyrentalhomesisone ofmygreatestfears. Readingthearticleand hearingtheaccountfrommyson,Iwas botheredbyseveralthings. Therentalwasasolidbrickhouse–notthe aging,woodframed,structurethatImight firstthinkofwhenIhearaboutseriousfires. Thefiredidn’tappeartohavebeenaserious blaze. NewsreportsandtheFireDepartment reportsaidthecallcameinat6:48AM,trucks wereonthesceneinlessthan3.5minutes,they hadthefireundercontrolin10minutesandhad confinedittooneroom. Afiremancommented thatwhenhearrivedhewasnotsuretheyhad therightaddressbecausehedidnotimmediately seesignsoffire. Thefiremencarriedthetwo victimsfromthehouse9minutesand50seconds afterthefirstcallcamein. Whatkilledthe residentswassmoke. Thefirenevergotnear them. Theywereonthefloor,apparentlytrying toescapewhentheywereovercomewithsmoke. Whiletherewereothercomplicatingfactorsto thatsituation,itdiddrawasignificantamountof attentiontosmokebasedfatalitiesthatareso commoninhousefires. Contrarytopopular belief,mostdeathsfromhousefiresdo notoccurfromburns,butinsteadfrom smoke. Thesmokebasedfatalitiesarea problemthatcouldmostlikelybe avoidedwiththeuseofaphotoelectric typeofsmokedetector. Thesedetectors, accordingtoseveraluniversitystudies, aresignificantlymoreeffectiveinpicking upsmolderingfires. Withtoday’s pervasiveuseoffireretardantmaterials, mostfiresactuallysmolderfora significantamountoftimebefore growingintoaflaming-fire. The photoelectricsmokedetectorsare quickeractivatingwiththesesmoldering firesandsubstantiallythesameinfast burningfires. Byutilizingasinglesensor photoelectricsmokedetector,residents R E I N V E S T M E N T N E W S | 3 What in the World are Photoelectric Smoke Detectors . . . And Why Do I Need Them?
- 4. chamberatanangleawayfromthesensor. Smokeentersintothechamber,reflectinglight ontothelightsensor;triggeringthealarm. Combo-Units: Pleasenotetheuseoftheterm “singlesensor”isnotwithoutpurpose. There arecombo-unitsthatincludebothionization andphotoelectricsensors. However,these combounitsconsistentlyreactslowerthan singlesensorunitsinvarioustests,andarenot recommended. Tobebrief,theyaremore costlyandlesseffective. Althoughmanyofthechangesinthelawcallfor photoelectricinstallation,foreachtypeof smokealarm,theadvantageitprovidesmaybe criticaltolifesafetyinsomefiresituations. Fatal firesinarentalhome,dayornight,includea largenumberofsmolderingfiresandalarge numberofflamingfires.Youcan’tpredictthe typeoffireyoumayhaveinyourrentalhomeor whenitwilloccur.Anysmokealarm technology,tobeacceptable,mustperform acceptablyforbothtypesoffriesinorderto provideearlywarningoffireatalltimesofthe dayornightandwhetheryouareasleepor awake. Forbestprotection,NREIArecommendsboth (ionizationandphotoelectric)technologiesto beusedinrentalhomes. Wealsoencourage havingaworkingandtestedcarbonmonoxide detectorandfireextinguisherinyourrentals. outsideofsmokealarmsforthisstyleof battery. Longerlastingbatteriesareexpected toenterthemarketlaterthisyear–updates willbeannouncedastheybecomeavailable. Manydetectorshaveapinnearthebattery case,whichcanhelpdenyordelayatenant accesstothebattery. Sowhatarethespecificdifferenceinsmoke detectortypes? IonizationDetectors: typicallytheseare disabledatleast20%ofthetimedueto nuisance(false)alarms. Ionization-type smokealarmshaveasmallamountof radioactivematerialbetweentwoelectrically chargedplates,whichionizedtheairand causescurrenttoflowbetweentheplates. Whensmokeentersthechamber,itdisrupts theflowofions,thusreducingtheflowof currentandactivatingthealarm.Ionization detectorswilloftenhaveanatomicsymbolon themfortheir(exceptionallysmall) radioactiveingredient,whilephoto-electrics willtypicallyhave“P”inasquarestampedon thecase. 90%ofalldetectorscurrentlybeing usedareionization. Photoelectricsmokealarms: generallymore responsivetofiresthatbeginwithalong periodofsmoldering. Photoelectric-type alarmsaimalightsourceintoasensing maybenotifiedbetween2and40minutes earlier,basedonuniversitystudies. Duetothistechnologicaladvantage,inaneffort tohelpreducesmokerelatedfatalities,many municipalitiesacrosstheU.S.arechanginglaws orpassingordinancestorequirephotoelectric smokedetectorsinrentalproperties. Mostof theseordinancesrequirealandlordtoinstallone photoelectricsmokedetectorsinabedroom,or outsideofabedroombetweencontiguous bedrooms. Personally,Iamplacingthemineach bedroom,thehallways,andatthetopofthe stairwellsdependingonthelayoutofthehome. Manyofthesenewlawsputstricttime requirementsintoplace. Becauseofthelogisticsandfinancialimpact,as wellaslikelihoodofincident,theselawsare askingsingle-familyrentalsandsmallerbuildings tofinishtheprocessmorequickly,asstudentand universityrelatedfatalitieshavebeenmore significantlyimpacted. NationalREIAhas workedwithourpartner,TheHomeDepotand theirmanufacturerstoaddressthesubstantial needforadependablesolutionsforour members,independentrentalowners. Inmost areastherewillbeanannualcertificationthat thedetectorsareworking. Theprocessforthis willmostlikelybethepostingofaself-signedand datedcertificateIanareabyafireextinguisher orboilercertificateattheproperty. PleaseconsiderthatALLsmokealarmsexpire after10years. Ifthesmokealarmdoesnothave adatestampedonit,itmostlikelypredatesthe 10yearexpirationandwillbeconsidered “expire”byfireinspectorsinanyregion. Someotherwaystomakethedetectorlonger lastingarelithiumbatteries.Theselong-life batteriescanhelpminimizethemaintenance requiredforbatterychangeoutsandreducethe timeittakestoperformannualcertification. Mostlithiumbatteriescurrentlylastabout6 years.9-voltLithiumbatteriesarelesslikelytobe “removed”bytenants,astherearefeweruses SELF DIRECT 4 | M A R E I . O R G
- 5. H.R. 5301 S E L L E R F I N A N C E ON May 19th, 2016 HR 5301: The Seller Finance Enhancement Act was introduced to the 114th US Congress by Congressman Roger Williams a Republican from Texas along with his co-sponsors 1. Randy Neugebauer (R-TX-10) 2. Bobby Rush (D-IL-1) 3. Mick Mulvaney (R-SC-5) 4. Henry Cueller (D-TX-28) Initially announced by the Seller Finance Coalition at a Note School Event way back in 2013 by the one and only sponsor at the time Congress Roger Williams, it has gone through many draftings and discussions to create the final bill that was introduced and to add the initial co-sponsors listed. When the SAFE Act and Dodd-Frank went into effect it virtually overnight stopped most real estate investors from offering seller financing and installment sales to home owners who could ill afford the blow. Seller Financing by is the primary source for financing for home buyers in the under $50,000 price range and those buying non-conventional housing, like mobile homes. Discouraging homeownership. The Bill would simply exempt seller financers who originate not more than 24 mortgages in a 12-month period from mortgage lending rules under the SAFE Act and Dodd-Frank Act. Specifically the Loan ACTION R E I N V E S T M E N T N E W S | 5
- 7. Like anything else, shipping costs can be one those little things that can eat into your bottom-line in a big way. That’s where the National REIA Shipping Program, managed by PartnerShip® comes into play. The program is a comprehensive inbound and outbound shipping program that combines simplicity, savings, and value to all National REIA members. As the NREIA-endorsed shipping management provider, PartnerShip works with FedEx, UPS Freight, YRC Freight, and other reputable carriers to provide unparalleled customer service and significant savings on every shipment. PartnerShip LLC is offering discounts on shipping and printing through Fed Ex Office through National REIA between 20% and 26 % plus up to 76% off on LTL shipping. Log into MAREIMember.com to access your discounts. Shipping Made Easy
- 8. WinVestor's Hosted by Brian & Michelle Winberry Wednesday Mornings at 9 am Lucky Brewgrill 5401 Johnson Drive, Mission 1st Saturdays Hosted by Jim & Beth Kasper 1st Saturday of the Month 9 am Networking Coffee / Denny's 9001 Shawnee Mission Pkwy, Mission Landlords of Johnson County First Wednesday of the Month Matt Ross Community Center 8101 Marty, Overland Park, KS Cass County Landlords 3rd Tuesday of the Month Carnegie Village 103 Bernard Drive, Belton Landlord Inc of KCK 3rd Tuesday of the Month Loan Star Steak House 1501 Village West, KCK Blue Springs Real Estate Investors 3rd Thursday of the Month Perkins 3939 S Bolger, Rd, Independence Landlords Inc. 4th Tuesday of the Month Central United Methodist Church 5144 Oak Street, KCMO Landlords of EJC 4th Thursday of the Month Allen's Banquet Hall 11330 E Truman Rd Independence, MO Jackson County Real Estate Investors Last Wednesday of the Month 4 West Monroe Street Buckner, Missouri NomatterwhathappensattheTuesdayElection, Westillneedto takecareoftheRealEstateIndustry. Wewillbediscussingcurrent issuesthatweallneedknowabout. !BesuretoRSVPOnlineand joinus attheHolidayInnat8787ReederRoadfrom6pmto9pm onThursdayNovember10th FREEforMembersand1stTime Guests. Allotherspay$25atthedooror$15whentheypre- regsiteratMAREI.org. LEGISLATIVE UPDATE MEETINGFROM OTHER GROUPS > 2016marksour3rdAnnual SpeedNetworkingforToys forTotsEvent. Thisisoneof twoannualmeetingsthat weaskallmembersto contribute. Eventisoppento everyone, allweasktoattend andnetworkisforyouto bringanewunwrappedtoy ormakeacashdonationto ToysforTots. Tuesday December13th, 6pm. 3RDANNUALNETWORKINGFORTOTS MAREI. ORG/ CALENDAR THE CALENDAR Aswebuildourrentalportfolios, weneedtoprotectourasset. Oneof thebestwaystoprotectourselvesisbyscreeningtenants. Screening ExpertDavidPicronfromRentPerfect.comisgoingtobejoiningusto discusshowtoscreenfortheperfecttenant. ThiswebiarisonTuesday November15that3pm. Thereisnochargeforthiswebinar. Pleasegoto www.MAREI.orgtogetpre-register. THEPERFECTTENANT WEBINAR See full day workshop page 5 DECEMBER "We are so glad we joined . . . We already have received our monies worth . . . we were able to find a great contractor for our first rehab project at the meeting!”" Thursday Not Tuesday
- 9. MARKETUPDTATE Sept. 2016 3,343homes sold 5.3% Increase over 2015 58average days on market 17.1 % Decrease from 2015 96.2% of asking price 1.3% Increase over 2015 $15k$14,733 average sale price increase from same time last year (7.3%) 2,919pending sales 3.6% Increase over 2015 8,089houses for sale 28.4% decrease 2.6 month supply average: $216,451 median: $182,000 Demand has remained high through the first three quarters of 2016. With rental prices and employment opportunities in a consistent climb, year-over-year increases in home buying are probable for the rest of the year but not guaranteed. In general, today's demand is driven by three factors: Millennials are reaching prime home- buying age, growing families are looking for larger homes and empty nesters are downsizing. However, intriguingly low interest rates often prompt refinancing instead of listing, contributing to lower inventory. Recent studies have also shown that short-term rentals are keeping a collection of homes off the market. For further detail see http://www.kcrar.com/statistics
- 10. INVESTORS TAKE ACTION ON INTERIOR INSPECTIONS INVESTORS TAKE ACTION ON INTERIOR INSPECTIONS By Stff Let’s face it, our local cities are facing hard times. Their expenses are continually going up and their funding is not necessarily going up. They could raise “taxes”, but they may not be elected to the city council next time up. So they are getting creative. These same officials are facing aging housing stock where the homes and apartments need to be repaired and updated, maintained and even replaced as time goes on. And while home owner work hard to maintain what they own, there are some who do not have the time, money or ability to maintain their homes. Some just don’t care and also do nothing. In an effort to make sure the housing in their city is safe, they have long 1 0 | M A R E I . O R G This past year in 2015 in a precedent- setting win for personal freedom and tenants, the U.S. District Court for the Southern District of Ohio in the Baker v. the City of Portsmouth, the court rules that “the Portsmouth [Ohio Rental Dwelling Code] violates the Fourth Amendment insofar as it authorizes warrantless administrative inspections. It is undisputed that the RDC affords no warrant procedure or other mechanism for pre-compliance review. As in the above cases, the owners and/or tenants of rental properties in Portsmouth are thus faced with the choice of consenting to the warrantless inspection or had rules and regulations on the books that require inspections to make sure the building is up to code and meet city codes rules and regulations. But now with the aging stock and the need for more funds, more and more cities are creating new rules and regulations that require the at least the landlord property owners to get a license of some sort, generating income. And in an effort to keep properties maintained, they are creating new inspection rules to go along with those licensing requirements. All well and good, except for something called the Fourth Amendment to the Constitution that prohibits warrantless inspections of homes without the occupant’s consent.
- 11. landlords. They will then choose to go out of business or pass the expense on to the tenant resident. However, the slum lord, which the cities concede is a miniscule portion of all landlords, well, we are pretty sure that they don’t care about their properties, their tenants or even the rules and why would even more rules make them do anything different. So what can we as landlords, investors and property owners in Missouri do? We highly encourage you to be part of some or several organizations who monitor what is going on and respond as best they can. First join MAREI and be sure to subscribe to our email newsletters and / or follow MAREI on social media. Next, join the Landlord organization(s) in the cities where you hold rentals. We list many of them on the MAREI calendar to help you find one near you.. As each and every city is going to have a different set of rules and regulations, your local landlord group is going to be your best first line of defense. In Kansas most landlord groups are already a part of their state Organization The Associated Landlords of Kansas. In Missouri, there is no state Organization. It takes coordinated effort to show the general public, that 99.9% of all Landlords are good people, with great properties, who take care of their tenants. The public only sees that 0.1% of the bad landlords as bad press sells generates more viewers that the cute feel good stories. 3)Localgovernmentmaycontinuetodo inspectionswhenbuildingpermitsare required. 4)ThelawreservestherightofaTenantto requestaninteriorinspectionfromthelocal government,asalreadydefinedintheKansas Landlord-TenantLaw(58-2572). TALKLobbyistEdJaskiniaworkedveryhard onthisbillforalmostayear,fightingoff multitudesofattacks.Heaskedforand receivedmuchcooperationandsupport fromtheRealtorLobbyistandmanyothers, withoutwhomthislegislationmightnothave passed. EffectiveJuly1,2016,thisnewlawisagiant stepforwardinpreservingtherightsofboth propertyandprivacyforthecitizensof Kansas. Manycitiesarestilldoinginteriorinspections onrentalswhentheyarevacantbetween tenantsorwhentheyareabletoobtainand administrativewarrant,sowewillneedto watchandseehowcitiesacrossKansasdeal withthisaspect. MostrecentlythecityofIndependence Missourivotedtoamendcitycodetoadd interiorinspectionseverytwoyearsonrental property. Togetaroundthe4thamendment issue,thecityhasdecidedtheywillnotdothe inspection,butratherprovidethelistof qualifiedinspectorsandrequirethelandlord toorderandpayfortheirowninspections. ThelandlordsinIndependencecollected signaturesinattempttogettheordinance puttothevotebutwereun-successful. So,whereisthisallgoing? Well,hereat MAREI,ourbeliefisthatthemoreyou regulatetherentals,thecostswillgoupfor R E I N V E S T M E N T N E W S | 1 1 facingcriminalcharges,aresulttheSupreme Courthasexpresslydisavowedunderthe FourthAmendment. Whatdoesthatmeanforeveryoneelsenotin PortsmouthOhio,wellthenextstepwastoseeif thecityinquestionwouldappealtheruling, whichtheydidnot. Nextupwouldbeforother’s totakesuitagainsttheirowncitiestogetsimilar rulings. InanothercaseinColoradowherearental inspectionprogramwasstartedtocutdownon slumlordsandmakesureeveryresidenthasa habitableplacetolive,atenantendedupincourt forrefusingtoallowinspectorsintohishome. In thatcasethecitymanagerorderedastayon interiorrentalinspectionsonsinglefamily homesuntiltheycouldberemovedfromtheir inspectionprogram. Althoughtheyarestill maintainingtheinspectionrulesformultifamily. Meanwhile,citiesinKansasandMissourikeep creatingnewinteriorinspectionlawsfortheir cities. IntheStateofKansas,TheAssociatedLandlords ofKansasandtheirPresidentEdJaskiniawas successfulingettingHB@665thatwas eventuallycombinedwithSB366andseveral otherbillspassedandsignedintoKansasLawon May17,2016. ThisnewKansasLawsays four importantthings: 1)Noresidentialrentallicensingprogram operatedbycityorcountygovernmentsmaydo anINTERIORinspectionwithouttheconsentof thelawfuloccupant.Theymustask,andthe Tenant mustagree,ortheinspectionisnot allowedtohappen.Thereisanexceptiontothis lawformixedusebuildings,suchasabuilding withbothcommercialandresidentialTenants. 2)ThislawdoesNOTmakeanychangestothe LandlordsrighttoenterasdefinedintheKansas Landlord-TenantLaw(58-2557). RENTAL PROPERTY
- 12. A C C U R A T E T I T L E A Full Service Title Company David Green www.AccurateTitleCo.com 913-338-0100 A L P H A T I T L E Full Service Title Company Patsy Archer www.AlphaTitleLLC.net 913-498-8999 A N D E R S O N & A S S O C I A T E S Law Firm Julie Anderson www.MOKCLawcom 816-931-2207 / 913-262-2207 A Z U R E W A T E R F R O N T Luxury Waterfront Property Investment Brad Reddick www.AzureWaterfront.com 800-240-3606 B R I D G E M A N A G E M E N T A Turn Key Real Estate Experience Nathan Brooks www.BridgeTurnkey.com 913-695-8213 C O N T I N E N T A L T I T L E A Full Service TitleCompany Sharon Bower www.CTitle.com 913-338-3232 Build Your Team With MAREI Business Members Save time and money by starting with service providers who already know your business. Who can solve problems as they arise to help you get the deal completed on time and for maximum profit. MAREI.org CLICK ON VISIT business associates 1 2 | M A R E I . O R G
- 13. J A M I E S O N H O M E T E A MG R E E N H O M E S O L U T I O N S Soulutions for Mold and Odor, Naturally Terry Amerine & Erich Amerine www.GHSofKC.com 1.800.SOLUTIONS H E A R T H M A S T E R S Chimney & Fireplace Restoration Mage & Gene Padgitt www.ChimKC.com 816-461-3665 H O M E D E P O T 2% Rebate on all Purchases Christine Putman PRO Account Rep 816-377-9534 Sharon BeckPPO Account Rep 913-313-8912 H O M E R E N T A L S E R V I C E S Kansas City Property Management Sandy Fisher or Paul Branton www.Home4Rent.com 913-469-6633 K C I N V E S T Investment Property Seller Kim Tucker www.KCInvest.com 913-735-0018 K C M O H O M E B U Y E R Property Buyer Don Tucker www.kcmoHomeBuyer.com 816-200-2198 K C C A B I N E T C O L L E C T I O N Cabinet Source Mark Yanda www.CarriageHouseCabiinet.com 913-980-4260 DIRECTORY R E I N V E S T M E N T N E W S | 1 3 C R O S S R O A D S I N V E S T M E N T L E N D I N G Investor Lending Britton Asbell and BarakTschirhart www.KCLend.com 913-766-2900 D I S C O V E R H V A C Heating & Airconditioning Complete System for $2785 www.DiscoverHVAC.net 816-500-2900 Realtor & Property Management Kevin Jamieson www.KevinJamieson.YourKWAgent.com 913-384-8331 I N V E S T O R S C H O I C E F U N D I N G The Flexible Funding Solution L. Scott Ficinus www.InvestorsChoiceFunding.com 816-668-7223 G U A R A N T E E D R A T E First Digital Mortgage Beth Langston www.GuaranteedRate/com 913-225-9323
- 14. O F F I C E M A X / D E P O T A further sign of health is that we don't become undone by fear and trembling, but we take it as a message that it's time to stop struggling and look directly at what's threatening us, said Pema Chödrön. R E A L T Y R E S O U R C E Real Estate Brokerage Scott Tucker www.RealtyResourceKC.com 816-406-0701 P A T L I V E Professionally Answered Telephones Free Trial & Discounts www.MAREI.org/PatLive P R I D E P R O P E R T I E S Real Estate Professionals Marcus and Matt Bray www.PrideProperties.com 913-213-5370 R E A L E F L O W Real Estate Investor Platform Marketing, Management, Deal Flow www.MAREI.org/Realeflow R E A L E S T A T E I N V E S T I N G T O D A Y Real Estate News from National REIA. www.RealEstateInvestingToday.com R E N T A L S . C O M Advertise Your Rental Properties Discounts for Members www.Rentals.com R E N T P E R F E C T Tenant Screening, Leases & Insurance www.ISCScreening.com DIRECTORY N A T I O N A L R E I A U Online Training Professional Housing Provider Credits www.NationalREIAU.com R E A L P R O T E C T Insurance for Investors Brought to you by National REIA www.RealProtect.com 1-800-579-0652 1 4 | M A R E I . O R G M I D A T L A N T I C I R A Self Directed IRAs & Tax Strategies David Lang www.MidAtlanticIRA.com 800-607-0145 Main Office 816-590-6345 David's Cell M E R C H A N T S M O R T G A G E Real Estate Finance Company Susan Aubin www.MerchantsMtg.com 720-554-9480
- 15. 3 1 2 3 Nationwide Coverage Especially for REIA Members Easy to Enroll Online or by Phone Immediate Quotes and Enrollment Options Hundreds of Plans to Choose From Compliant with the Affordable Care Act Enroll Online today at www.REIAExchange.com (Password is REIA) or call 855-558-9667 MAREI.org 15 Net- WORKINGAccording to Google, business networking is an effective low-cost marketing method for developing sales opportunities and contacts, based on referrals and introductions - either face- to-face at meetings and gatherings, or by other contact methods such as phone, email, and increasingly social and business networking websites. In real estate this means getting to know your fellow real estate investors as well as service providers and even people not in the industry. Any one of these people may be vital for your next real estate transaction possibly by bringing the transaction to your attention, providing a service on the deal or maybe even being the silent money partner. And you do have to get out and WORK on your Network, both live and face to face as well as online. You need to develop group of people that know like and trust you who want to do business with you, who will also refer you business and who you can refer busines too. So please join us each month at the MAREI events and grow your Neetwork.
- 16. EXPAND YOUR BUSINESSWITH MAREI 40,000professionals National REIA 518MAREIMembers 4 member benefits designed to promote c o m m u n i t yN E T W O R K I N G : E D U C A T I O N A D V O C A C Y : C H A R I T Y 5Key Investing Areas for members to share knowledge Rental : Rehab : Wholesale : Notes : Creative 30+local and national serviceproviders many with discounts PROFESSIONAL housing provider CERTIFICATION $750Average Member S A V I N G S $500 Average Home Depot Rebate $100 Average Saving Office Depot $100 Saving on 5 Training Events $50 Savings on Other Benefits People / Networking Priceless Deal Connections Priceless JOINTODAY membership $99 Annually marei.org