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19 Best How To Write A Research Paper Images In 2020

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How To Write An A+ Research Paper

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Due Diligence When Buying Real Estate

Due Diligence When Buying Real Estate Due diligence is generally defined as thorough research before signing a contract, especially one involving a purchase or sale. Within a real estate context, it usually refers to a stipulated period within a real estate contract for a buyer to investigate the property in question to ensure that they are satisfied with it before the purchase is finalized. However, long before any initial offer is made, properties considered for real estate investment should be assessed as thoroughly as possible using all publicly available information. This is known as preliminary due diligence, and can involve property visits, and/or discussions with brokers, and with your advisors, such as your attorney or financial advisor. Proper due diligence beforehand will save you considerable headaches afterwards. © Shutterstock.com | ScandinavianStockThe stipulated due diligence period includes your review of the seller’s documents and your own independent investigation. In this article, we will explore the due diligence period in real estate contracts, including 1) due diligence when buying commercial and residential real estate, 2) title review, 3) real estate surveying, 4) zoning, 5) property inspections, 6) environmental inspections, 7) real estate leases, and 8) real estate appraisals.DUE DILIGENCE WHEN BUYING COMMERCIAL RESIDENTIAL REAL ESTATEOne of the main reasons for preliminary due diligence is important in commercial and residential real estate transactions is so that the buyer can properly assess the property’s value to formulate an offer strategically. Many of the documents that allow you to explore a property’s net profitability are only available to the buyer after an offer has been made. However, fundamentally, when valuing commercial property, income production is cri tical. The key ratio to determine here is the Net Operating Income (NOI), which is equal to income minus operating expenses (not including taxes and interest), and should be one of the key factors in determining how much you are willing to pay for the property.Commercial real estate The primary reason critical reason due diligence for commercial real estate is so important is to ensure that the buyer knows exactly what he/she is purchasing. The stipulated period usually begins after the prospective purchaser has made an offer, the seller has accepted the offer pending the due diligence period, and the buyer has placed a down payment in an escrow account to be applied towards the purchase and lasts anywhere from 30 days to more than nine months. It should involve physical inspections of the real estate, an assessment of related-environmental conditions, a review of the title, zoning requirements, contracts, leases, and surveys, partially through a review of documents the seller provi des. These should include copies of:The deed;Information on current tenants;Existing, actual uses of the property;Zoning documents indicating allowable uses of the property;Any seller inspections;Land and improvement surveys;Current title insurance;Other insurance;Any notice of pending legal and/or government action;Environmental assessments;Any special assessments or taxes;Copies of any property bills;Any service contracts;All construction plans in the seller’s possession; andWarranties for any construction.Beyond the document review, the buyer should conduct an independent investigation. You can request that the seller conduct, and/or pay for some of the third-party assessments you may want to inspect, and negotiate them into the contract.Residential real estateJust like with commercial real estate, you should thoroughly assess the value of and market for a residential real estate property before making an offer. With residential real estate, there are fewer objective measures o f valuation of property, especially single-family residences. If the family is a multifamily unit, review the income the property generated in tandem with property taxes, and utilities. With single-family residences, comps, real estate appraisals, and local real estate trends are your best bet for valuing the property.The due diligence period for residential real estate purchases typically lasts 30 days, with 10 to 15 days to inspect. During this period, you should review:The deed and title reviewSurveying documents;Zoning documents;Property inspections;Property appraisals;Environmental assessments; andInsurance documents, and any other available documents.Understanding Real Estate Investments: Due Diligence TITLE REVIEWThe first thing is to review the title, which should be â€" unless you are buying a distressed property â€" clear of any liens or other claims against it. The title is the transferable right to the property, which you must ensure the seller actually has (and often mi staken with the deed, which is the document used to transfer the property to another). Typically, the seller makes sure they can convey a clear title before they put the property on the market. The title review period for commercial real estate purchases are similar, and involve reviewing all claims against the property â€" what is known as a title search. To protect yourself in case the title search misses a claim against the property, which then reveals itself after you’ve purchased the property, you will want to purchase title insurance, which makes the policyholder liable for such claims.Commercial real estate title reviewYou will likely receive a document known as a PTR (Preliminary Title Report) from a title insurance company, which will include a description of the land, the type of estate, who has title to the estate, and any claims to the estate. When reviewing the title commitment, you should look for any Exceptions to or exclusions from the title, which will define any known claims to the property by others, such as by taxing agencies. PTRs may also list liens, restrictions, special assessments, and more. All should be carefully examined by your real estate attorney so that you are clear on what you are purchasing, what rights you will have, and what, if and, rights others, may have.Residential real estate title reviewA title insurance firm likewise conducts the residential title search. When you purchase a residential property using leverage, the lender typically wants you to purchase a clear title. When the title insurance company finds a claim, such as a lien against the property, the seller is informed and typically must redress it. Once a title is clear, the title insurance company issues a title commitment â€" a statement indicating that they will insure the property. The lender will then likely approve the mortgage. In the case of distressed properties, you may have to agree to satisfy existing liens (such as environmental, judgement or mec hanics’ liens) at closing in order to receive a title commitment.  REAL ESTATE SURVEYINGWhatever property you plan to purchase, surveying allows you to see exactly what the land underlying the property is. You should know whether any nearby entity has an easement a right pass through to any part of the land you plan to purchase, or whether there is an encroachment a portion of someone else’s property intruding on what you plan to buy. There may also be other covenants conditions and/or restrictions tied to the land, all of which are essential to know before making a purchase.Commercial real estate surveyingEasements and restrictions can cause more headaches for a buyer than zoning regulations, particularly if you plan to renovate or expand the property. Look for a survey from ALTA the American Land Title Association, which is prepared by a licensed surveyor in accordance with the Association’s standards. Typically, title insurers want to see the results of an ALTA survey b efore issuing a commitment. The survey will include information on encroachments on to the property you intend to purchase; encroachments the property you intend to purchase has on neighboring properties; and easements that affect the intended property.Residential real estate surveyingSurveys should be current; many lenders will not honor one more than six months old. Most residential real estate purchasers obtain house location surveys, which are cheaper. However, the title insurance firms will not consider these surveys in coverage of encroachments and boundary line disputes. To get title insurance that covers these issues, you should also get an ALTA survey when purchasing residential real estate as an investment.  ZONINGZoning certifications are available from planning offices of the jurisdiction in which the property is located. The buyer should ensure that the building is currently in compliance with existing zoning regulations. Further, the buyer should learn of any planned z oning changes that may adversely affect their intended use of the property by speaking with representatives from the local zoning office.Zoning for commercial real estate  Owners of commercial real estate property should ensure that the property currently complies with existing zoning regulations, especially if they plan renovations, development, or further expansion. Zoning also includes assessments, exactions, and impact fees â€" which can directly impact how much net income you can expect to generate. After you purchase the property, it is critical to keep abreast of developments in the city’s zoning plans.Zoning for residential real estate  Residential zoning laws, like commercial ones, vary from city-to-city, and state-to-state. Knowing what they are and making sure that you and your tenants are in compliance is key. Tenants who decide to operate a home-based business in the apartment they lease from you, for example, may earn you a fine. It is likewise critical to keep abrea st of zoning plans; a city deciding to develop commercial property could re-zone your property and pressure you to sell (though they cannot force you to do so). Know beforehand the applicable zoning laws and forecast what they may be during the time horizon you plan to hold the property.  PROPERTY INSPECTIONS  All building inspections should be done by a certified third-party to ensure that the property is up to code, and structurally sound. Buyers should look for a current one or stipulate that one take place during the due diligence period.Commercial real estate inspectionsInspections of commercial real estate will typically cover roofs, HVAC, electrical, heating, plumbing, and structure. They look at lifespans of these systems, which typically are, all other things held constant, 10 to 15 years for a roof, 40 to 60 years for plumbing, 50 years for electrical systems, 15 to 17 years for HVAC systems, and 70 to 100 years for the underlying structure. Commercial inspections average $0.10 per square foot. They will also typically include parking areas, among other areas of a commercial property.Residential real estate inspectionsThese inspections cover the same areas as commercial real estate inspections, as well as pest infestation, chimney inspections, water quality, exteriors and interiors, and other areas. They typically start at $325.00, and should take at least two to three hours to ensure thoroughness. Time permitting, you should attend the home inspection with the inspector to ask questions and learn to spot issues with other properties you may purchase in the future.ENVIRONMENTAL INSPECTIONSEnvironmental inspections are critical, but are more of a significant issue for commercial properties whose owners and/or tenants may be purchasing environmentally harmful waste products in large quantities. The property you intend to buy may have suffered environmental damage from previous use, which may affect your intended use.  Commercial real estate environment al inspectionsFor commercial properties, environmental appraisals begin with a Phase I Environmental Report, which will indicate whether there are serious problems requiring remediation. These reports not only include appraisals from licensed third parties, they also include reviews of state and federal compliance agencies of the property in question. If there are, what typically follows is known as a Phase II investigation, which usually involves further testing.Environmental assessments when buying residential real estateResidential property purchases also involve environmental assessments, by licensed assessors selected by title insurance firms. While Phase I and Phase II assessments are not required, it is in your best interest to obtain the most thorough environmental assessment available to ensure you have full use of the property. In 2012, a New Jersey homeowner who did no pre-purchase environmental assessment was found liable for damage done to his neighbor’s property from an old oil tank on his property left there by the previous owner.  REAL ESTATE LEASESAs mentioned earlier, you should evaluate the income generated by the existing leases to valuate the property. However, you should also look at tenant files and credit-worthiness, as well as personally assess the condition of their leased space to corroborate the seller’s assessment of the property’s condition. Other documents you should evaluate in tandem with existing leases include existing loan documents; insurance documents, which may provide further information, and possibly a risk assessment from the insurer; and utility expenses and property taxes, as you are on the hook for them when the property is vacant.Evaluating existing commercial real estate leasesSome experts suggest that you review the NOI for the preceding three years to properly project income. You should also review the previous period’s actual operating performance, rather than the pro forma statements, which may give yo u a misleading portrait of how well the property is doing. You should also thoroughly review the lease terms and periods, and tenant files, interviewing tenants directly if possible, as they will be yours to manage shortly. During the due diligence process, ask the seller to keep you abreast of any tenant problems that occur during the process to get a feel for any problem tenants.Evaluating existing residential real estate leasesBeyond reviewing leases for income projections, review them for any clauses related to access of the leased space, renovations, and selling the property should you be interested in flipping it. Also, make sure that the seller informs you of any amendments they make to the lease during the due diligence period. And make sure the seller credits you for the tenants’ security deposit at closing.REAL ESTATE APPRAISALSOne of the most critical aspects of the real estate purchasing process, real estate appraisals will be a key determinant in any assessment of the property’s value. This is what the seller used to determine their price, what lenders will use when determining how much they will lend, and what tax agencies will use when assessing taxes.  Commercial real estate appraisalsCommercial real estate appraisals assess the physical plant, zoning records, geo-demographic information, and comps to value a property. You will want to make sure the one the seller provides is current, and get one done yourself during the due diligence period to corroborate the one provided you by the seller. You will want to share with the appraiser the intended use of the appraisal and what it will be used for. Types include a fee simple interest â€" the value of property; a leased fee interest â€" the value of the property when leased; or a leasehold interest the value of a leas to a tenant. Commercial real estate appraisals can range from $2,000 to upwards of $3,000.Residential real estate appraisalsLicensed residential real estate appraisers typically u se the sales comparison approach â€" which emphasizes comps; the cost approach â€" which looks at the replacement cost of the property; or the income approach â€" to develop an initial opinion of value. You should be clear on the approach, date of valuation, and independence of the appraiser when reviewing the appraisal.Outline for Real Estate Due Diligence (Property Inspection)

Homelessness A Social Issue - 2081 Words

Introduction I have been asked to write an essay on a Social Issue. I have chosen Homelessness. I chose this because it is a very serious issue not only here in Australia but all over the world. In Australia there are is about 105,000 Australians that are homeless on any given night, all of which are either living in a makeshift home or sleeping on the streets. In my essay I am going to look at whom homelessness affects the reasons why, and what is being done to help and raise awareness 1.0 What is homelessness? 1.1 Homelessness the social issue: Homelessness is a serious social issue that affects different people and different groups in a variety of ways. Many different factors contribute to homelessness. Homelessness is not gender, race or age specific and can affect anyone at any given time depending on their circumstances. People aren’t necessarily homeless because of choices they have made although sometimes that can be the case. More often than not they find themselves in that situation because of circumstances beyond their control. Being homeless means you have no fixed place to call home. 2.0 Who does homelessness effect and how? 2.1 Homelessness, who it affects: Homelessness can affect anyone such as single mothers, families, Indigenous and Torres Strait islanders, teens, single males and females, people with drug/ or Alcohol addictions and victims of abuse. There are all kinds of reasons that people in these situations find themselves without a place toShow MoreRelatedThe Social Issue Of Homelessness1138 Words   |  5 Pages Homelessness Catherine Vivi ABS 497 Applied Behavioral Sciences Capstone Instructor Theresa Cruz June 29, 2015 Ashford University â€Æ' â€Æ' Homelessness Lakeland is a city in Polk County, Florida, United States, located between the two larger cities in central Florida those being Tampa to the west and Orlando to the east. 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Homelessness simply put, means without a home - therefore homelessness is an equal opportunity state that can happen to anyone. Even though we have seen some economic prosperity over the years, statistics show that the number of homeless remains very high.Read MoreSocial Problems Within The Australian Society1215 Words   |  5 PagesA Social Analysis – Homelessness There are a growing number of social problems existing within the Australian society and unfortunately, research does not need to prove this. All it takes is a stroll down the main street of some suburbs to realise the extent of social problems within society. Homelessness is a rising trend that is affecting people of all demographics. Homelessness is more than just a simple disadvantage; with usually many underpinning factors which contribute to it, such as domesticRead MoreHomelessness And The Tampa Bay Area1234 Words   |  5 PagesHomelessness is a prevalent social issue that many countries are trying to resolve. One area that has a high rate of homelessness is the Tampa Bay Area in Florida. According to a homeless count carried out by the Tampa Hillsborough Homeless Initiative (THHI) in 2016, in Hillsborough County alone, there are, â€Å"at least 1,817 homeless men, women, and children† who have to resort to unorthodox housing, such as spaces behind buildings, encampmen ts, sidewalks, and cars (â€Å"About Homelessness†). Moreover

Marriage And The State Marriage - 1265 Words

Marriage and the state Marriage is a legal union of a couple as spouses according to Cornell University of law school. Traditionally, marriage was viewed as the basis of the family unit and very vital to the preservation of civilization and morals. However, defining marriage in the society of today can be a challenge. This is because the marriage of today differs with what marriage was considered to be in the past. In the today’s society, there are three basic elements of marriage which include: each party must accord to the marriage, each party must have a legal ability to marry and the parties must have entered into a contract as require by law. In addition, gay marriage has been legalized by states where we find the gay couple raising†¦show more content†¦Moreover, one can receive disability, veterans, pension plan, military and Medicare benefits through the other spouse. In case a marriage that has lasted for at least ten years ends, one can still enjoy social security benefits with a p ower to spousal support. Secondly, the prenuptial agreement benefits are recognized under the law that a couple is creating an economic partnership by getting married. Lastly, we have the IRA benefits that are used in a few ways contributing to the unemployed individual retirement account as well as changing deceased spouse s IRA for own use in the course of a marriage. Tax benefits- we have the marital tax deduction, and filing taxes jointly under the tax benefits. The marital tax deduction is the largest tax benefit a married couple can receive. In addition, one can transfer assets free from tax to the partner at any time. A spouse can leave assets to the other spouse with no estate subjection. On filing taxes jointly, it happens that if both spouses are high earners, they end up paying more taxes. However, if one stays at home while the other has a job then the marriage benefits to file jointly. Legal benefits- These benefits includes the inheritance benefits and legal decision- making. Focusing on inheritance benefits, a spouse or partner can inherit the whole estate with no taxShow MoreRelatedPolygamy : State Of Marriage2013 Words   |  9 PagesPolygamy: state of marriage to many spouses (www.polygamy.com). Polygamy has a conflicted past in history. Judaism, Christianity, and Islam all condoned the practice of Polygamy in the early years of each respective religion. As time passed, so did the feelings and laws towards Polygamy. Polygamy is now outlawed among western Jews, and though it is legal in other areas, it is unheard of. Christianity does not tolerate Polygamy. While Islamic law still allows Polygamy it is not often practiced. IslamicRead MoreInterracial Marriages And The United States1043 Words   |  5 Pagesis the institution of marriage. 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B.F. Skinner Free Essays

Skinner’s theories suggest that all human behaviors result from the conditioning stimuli that operate upon them. As such, human nature has little to do with matters spiritual or moral and more to do with what aspects of character are reinforced by positive stimuli and extinguished by negative stimuli. For example, ‘good’ people who have lived with ‘high moral fibre’ are those who have been reinforced to do so, and ‘bad’ people who have lived with little moral or spiritual regard for others are those who have been reinforced to do so (or conversely, have been negatively reinforced to be concerned with others). We will write a custom essay sample on B.F. Skinner or any similar topic only for you Order Now (Boeree, 1998) Skinner’s view of human nature is considered problematic by most rationalists for the simple fact that it reduces it to a series of conditioned behaviors — an empirically sequenced string of if-then actions — that coldly implies the irrelevance of higher reasoning to explain them. (Boeree, 1998) As such, any moral rationalization of human behavior is merely post hoc reasoning. Nonetheless, it is difficult to reconcile Skinner’s model of human behavior with determinism. While determinism holds that every event creates a fixed result , Skinner holds that every event (i.  e. human behavior) is maintained only by the properties of a reinforcer (Newall, 2005; Boeree, 2006). This creates a small but significant contradiction because the question of how a reinforcer shapes human behavior becomes moot when said reinforcer is also pre-determined. References Boeree, C. George (1998). B. F. Skinner. Retrieved February 29, 2008, from http://webspace. ship. edu/cgboear/skinner. html Newall, P. (2005) Free Will and Determinism. Retrieved February 29, 2008, from http://www. galilean-library. org/int13. html How to cite B.F. Skinner, Papers

Rio de Janeiro a Reaction free essay sample

I. Based from the film, the main character is originally from what country? What can you tell us about this country? Tyler â€Å"Blu† Gunderson, the main character or the protagonist of the movie RIO is originally and was born in Brazil; particularly in Rio de Janeiro, the second largest city in the country. Traditionally, the word Brazil comes from brazilwood, a timber tree that many sailors traded from Brazilian regions to Europe in the 16th century. Brazil is the largest country in South America. It is the worlds fifth largest country, both by geographical area and by population with over 190 million people. It is the only Portuguese-speaking country in the Americas and the largest lusophone (Portuguese-speaking) country in the world. II. What is the name and the purpose of the doctor who visited Linda? What is an ornithologist? The name of the doctor is Tulio Monteiro, a Brazilian ornithologist. His purpose of visiting Linda is that Blu is the last male of his species and he must mate with another macaw in Brazil. We will write a custom essay sample on Rio de Janeiro a Reaction or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page An ornithologist is a scientist who studies birds (ornithology) in an academic setting and has made birds his or her specialty. Ornithologists participate in scientific studies of all aspects of the natural history of birds, both living and extinct. Ornithologists continually add to our knowledge of birds and help guide bird conservation efforts. III. The main character is a victim of what international illegal activity ? IV. What are the different organizations helping to stop this illegal activity? V. How would you promote Brazil/Rio de Janeiro as a tourist destination? Brazil is a country that captivated travelers for at least 500 years. Powdery white-sand beaches, lined with palm trees and fronting a deep blue Atlantic, stretch for more than 7000km. Dotting this coastline are tropical islands, music-filled metropolises and enchanting colonial towns. Inland, Brazil offers dazzling sights of a different flavor: majestic waterfalls, red-rock canyons, and crystal-clear rivers, all just a small part of the natural beauty. It’s larger and more famous attractions are the Amazon and the Pantanal, the pair hosting some of the greatest biodiversity on the planet. Wildlife-watching is simply astounding here, as is the opportunity for adventure though you needn’t go to the jungle to find it. Kayaking, rafting, trekking, snorkeling and surfing are just a few ways to spend a sun-drenched afternoon in nearly any region in Brazil. Given the country’s innumerable charms, the only drawback to traveling in Brazil is a logistical one: you simply won’t want to leave. Fill your paper with the breathings of your heart. ~William Wordsworth http://en. wikipedia. org/wiki/Rio_%28film%29 http://en. wikipedia. org/wiki/Brazil http://www. suite101. com/content/what-is-an-ornithologista5855