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Have Questions? We’ve Got Answers
Clear insights on real estate, financing, and project management — tailored to your journey.
For Buyers & Sellers – Real Estate Sell/Buy/Invest
What is the first step in buying a home?
Get pre-approved for financing. Sellers take you more seriously when you already have a loan pre-approval in place.
Should I sell my current property before buying a new one?
Not always. If you qualify to carry both loans, you may buy first. Otherwise, selling first protects your finances.
Do I need a real estate agent to invest?
While not legally required, an agent provides comps, negotiates, and ensures contract compliance.
What costs should I expect at closing?
Expect 2–5% of the purchase price, including escrow, title, recording, and lender fees.
Is an appraisal required?
Yes, lenders require a Uniform Residential Appraisal (Form 1004) to confirm value .
What if the appraisal is lower than my offer?
You may renegotiate, add cash, or dispute the appraisal with comps.
How do investment properties differ from primary homes?
Down payments are typically higher (20–25%) and interest rates are less favorable.
Do I need inspections?
Yes, inspections protect buyers by revealing hidden issues before closing.
What is a CMA (Comparative Market Analysis)?
A CMA is an agent-prepared report showing market value based on comparable sales.
Can I 1031 exchange into Big Bear or similar property?
Yes, investment real estate can be exchanged tax-deferred if IRS rules are followed.
For Clients – Financing & Mortgage
What is the SAFE Act and why does it matter?
The SAFE Act requires all MLOs to be licensed through the NMLS, ensuring consumer protection .
How much down payment do I need?
Conventional: 5–20%. FHA: 3.5%. VA/USDA: 0% (eligibility applies).
What documents will a lender request?
W-2s, tax returns, paystubs, bank statements, ID, and property details.
What is a Loan Estimate (LE)?
A standardized form showing loan terms, payments, and costs within 3 business days of application .
What is a Closing Disclosure (CD)?
A final cost breakdown, delivered 3 business days before closing, per TRID rules.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is informal; pre-approval requires verified credit, income, and assets.
What are QM (Qualified Mortgage) rules?
QM loans must meet strict ability-to-repay standards, limiting risky features.
Can I lock my interest rate?
Yes, lenders offer rate locks (typically 30–60 days). Verify terms before signing.
How do I avoid mortgage fraud?
Always disclose all debts and income honestly. Lenders cross-check data against IRS and credit agencies .
Can I apply as an LLC or trust?
Yes, but lenders may require additional guarantees or vesting documents.
For Clients – Project Management
What is included in project management?
Budgeting, scheduling, contractor oversight, compliance, and quality control.
Do I still need a GC (General Contractor) if I have management?
Yes, the GC handles execution. Project management provides oversight to protect investors.
How do you track budget vs. actual?
We maintain detailed cost ledgers, invoices, and variance reports updated weekly.
Can you coordinate financing draws?
Yes, we align bank construction draws with actual progress to ensure compliance.
What if delays occur?
We renegotiate timelines, adjust subcontractor flow, and report variances immediately.
How do you ensure code compliance?
We review city permits, inspections, and California Building Standards at each stage.
What happens if costs exceed budget?
We initiate change orders, document justification, and seek approval before overruns occur.
Do you manage short-term rental setup?
Yes, including STR licensing, local compliance, and furnishing oversight.
What reporting do I receive?
Investors receive weekly updates: photos, budget status, and milestone tracking.
Can you manage property post-completion?
Yes, we transition into asset management or coordinate with local property managers.
Ready to Build, Buy, or Invest Smarter?
From financing to full project oversight, we streamline your real estate journey with strategy, precision, and results.