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	<title>Rosen Properties Blog &#187; job loss</title>
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		<title>It&#8217;s About People, then Houses, then Investment</title>
		<link>http://www.rosenprop.com/blog/2010/11/23/its-about-people-then-houses-then-investment/</link>
		<comments>http://www.rosenprop.com/blog/2010/11/23/its-about-people-then-houses-then-investment/#comments</comments>
		<pubDate>Tue, 23 Nov 2010 07:40:12 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[Fire Damage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Insuarance]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[job relocation]]></category>
		<category><![CDATA[Lease Option]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[Relocation]]></category>
		<category><![CDATA[Rent]]></category>
		<category><![CDATA[Rent-To-Own]]></category>
		<category><![CDATA[Seller Finance]]></category>
		<category><![CDATA[selling on a lease option]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[stop foreclosure]]></category>
		<category><![CDATA[Vacant Property]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=161</guid>
		<description><![CDATA[Ever wonder why most real estate agents focus on consumer market rather than the investor market? It&#8217;s all about their mistaken belief that the best and surest way to a big payday is by identifying a seller, listing his property and then finding someone to buy that property at a price that will generate the [...]]]></description>
			<content:encoded><![CDATA[<p>Ever wonder why most real estate agents focus on consumer market rather than the investor market?</p>
<p>It&#8217;s all about their mistaken belief that the best and surest way to a big payday is by identifying a seller, listing his property and then finding someone to buy that property at a price that will generate the highest commission. Even better if the agent happens to represent both the buyer and seller and won&#8217;t have to split that commission with someone else (although such dual representation is not legal in all states).</p>
<p>The quicker the transaction happens the better, so the agent can identify another home for sale with a potential big commission, and the cycle repeats itself. Again and again.</p>
<p><strong>What&#8217;s Wrong With This Picture?</strong></p>
<p>First of all, it&#8217;s about selling homes first and serving people second, all the while trying to maximize commissions. It totally disregards the potentially bigger commissions that an agent can make by understanding and serving the investor-buyer.</p>
<p>Investors require a different degree and depth of attention from an agent than does an owner-occupier. The investor represents problems for many real estate agents who &#8220;don&#8217;t do (investor) math&#8221;. Many agents also assume that investors want deep discounts and take too much time to make up their minds. This due diligence is often mistaken for indecision, and it is something most real estate agents are not trained to support.</p>
<p>This is not to say, however, that there are no expert real estate professionals who serve investors effectively. They do exist; it is just that they are the exception.</p>
<p><strong>Relationships or Transactions?</strong></p>
<p>So where do the potentially bigger commissions come in? It&#8217;s all in the math. Most homebuyers buy or trade up homes once every five to seven years, which makes repeat business distant.</p>
<p>A relationship with a serious investor, on the other hand, can be recurring and generate three to four times the commission revenue that an agent recieves from that one homebuyer transaction over the time that the average owner-occupier holds one house. The active investor does 10 to 15 times the number of transactions in the same period.</p>
<p>Then the relationship gets more interesting because most successful investors are connected to a network of additional prospects and investor-friendly providers. For examples of how the homebuyer and investor markets differ, see the table below.</p>
<table border="0" cellspacing="0" cellpadding="0" width="573">
<colgroup span="1">
<col span="1" width="209"></col>
<col span="1" width="150"></col>
<col span="1" width="214"></col>
</colgroup>
<tbody>
<tr height="41">
<td colspan="3" width="573" height="41"><span style="color: #000000;"><strong>11 REASONS WHY REAL ESTATE INVESTORS ARE ALWAYS A GREAT HOME SALES MARKET FOR REAL ESTATE AGENTS*</strong></span></td>
</tr>
<tr height="20">
<td height="20"><strong> </strong></td>
<td><strong> </strong></td>
<td><strong> </strong></td>
</tr>
<tr height="20">
<td height="20"><strong><span style="text-decoration: underline;">Client Difference</span></strong></td>
<td><strong><span style="text-decoration: underline;">Home Buyer</span></strong></td>
<td><strong><span style="text-decoration: underline;">Investor Buyer</span></strong></td>
</tr>
<tr height="20">
<td height="20"><strong>1. Client Universe</strong></td>
<td><strong>Local</strong></td>
<td><strong>National</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>2. Market Reach</strong></td>
<td><strong>Regional Homebuyer</strong></td>
<td><strong>National Investors</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>3. Typical Prospect Pool? (Est.)</strong></td>
<td><strong>5% of reg. population</strong></td>
<td><strong>100% of national investors</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>4. Market Requirement</strong></td>
<td><strong>Neighborhood home</strong></td>
<td><strong>Solid investment returns</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>5. Decision basis</strong></td>
<td><strong>Home &#8211; location</strong></td>
<td><strong>Return on investment &#8211; location</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>6. Due Diligence Process</strong></td>
<td><strong>Personal appeal</strong></td>
<td><strong>Investment/return/cash-on-cash</strong></td>
</tr>
<tr height="40">
<td width="209" height="40"><strong>7. Purchase frequency by satisfied client</strong></td>
<td><strong>1x every 5 to 7 years</strong></td>
<td><strong>1 to 2.3 homes per year</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>8. Commission per transaction</strong></td>
<td><strong>3% &#8211; 6%</strong></td>
<td><strong>2% &#8211; 6%</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>9. Median &#8217;09 price = $175k*</strong></td>
<td><strong>$5,250 x 1 houses/5 yrs</strong></td>
<td><strong>$3,500 @ 1 house/yr x 5 yrs</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>10. Gross commissions/yr x 5 yrs</strong></td>
<td><strong>$1,050</strong></td>
<td><strong>$3,500 +</strong></td>
</tr>
<tr height="20">
<td height="20"><strong>11. Total commissions/client</strong></td>
<td><strong>$5,250 over 5 years</strong></td>
<td><strong>$17,500 + over 5 years</strong></td>
</tr>
<tr height="20">
<td colspan="3" width="573" height="20"><strong>(*if you know how to serve them)</strong></td>
</tr>
</tbody>
</table>
<p><strong>Fundamentals &amp; Technicals</strong></p>
<p>These deals do not come from the traditional &#8220;Honey stop the car,&#8221; open house, curb-appeal sales pitch. Investors can make decisions far more rapidly than most homeowners, as they are looking at the numbers, the investment and the exit scenario.</p>
<p>Historic home sale trends are pretty clear. According to the National Association of Realtors 2009 Second Home and Investor Study, slightly more than 20 percent of the home sales in the United States are made to investors. Our 2008 The Invaluable Investor Study placed this number at 28 percent. The NAR held at 21 percent for that year by analyzing mortgages.</p>
<p>Total investor sales for 2009 is not record setting, but it is among historic lows. Going forward, sales are expected to be a constant percentage of the market. As the market grows, so will this transaction volume.</p>
<p>Real estate is on sale, and an investor can buy positive cash flow inexpensively. This has not been lost on sophisticated investors or investment managers.</p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Has Your Real Estate Agent Failed To Deliver?</title>
		<link>http://www.rosenprop.com/blog/2010/05/24/has-your-real-estate-agent-failed-to-deliver-2/</link>
		<comments>http://www.rosenprop.com/blog/2010/05/24/has-your-real-estate-agent-failed-to-deliver-2/#comments</comments>
		<pubDate>Mon, 24 May 2010 23:14:20 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Fire Damage]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Minnesota Real Estate]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Relocation]]></category>
		<category><![CDATA[Vacant Property]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Insuarance]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[job relocation]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=143</guid>
		<description><![CDATA[When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price. But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for why your realtor hasn’t sold your [...]]]></description>
			<content:encoded><![CDATA[<p>When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.</p>
<p>But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for <strong>why your realtor hasn’t sold your house</strong>: &#8220;It needs more bedrooms; you need to come down in price; the school district isn&#8217;t the best&#8221;, etc.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us Now!</a>  We&#8217;ll act quickly to give you a real solution.</p>
<h2>We Can Buy Your Home Fast, Your Realtor Can&#8217;t</h2>
<p>At this point, what you really need is to sell your house now. That&#8217;s where we come in: We aren’t interested in listing your house again; we want to buy it! We are professional real estate investors – not real estate agents. We&#8217;ve built our reputation over the years for quick action and fair prices. We can often give you even more than one solution to your problem.</p>
<p>You just want an honest, fair way to sell your house, without realtor excuses. That&#8217;s exactly what we&#8217;ll provide.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us</a>    |    <a href="http://www.rosenprop.com/sell-your-home/seller-request-form">Complete the Seller Request Form</a></p>
]]></content:encoded>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Has Your Real Estate Agent Failed To Deliver?</title>
		<link>http://www.rosenprop.com/blog/2010/02/03/has-your-real-estate-agent-failed-to-deliver/</link>
		<comments>http://www.rosenprop.com/blog/2010/02/03/has-your-real-estate-agent-failed-to-deliver/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 02:58:09 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Minnesota Real Estate]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Relocation]]></category>
		<category><![CDATA[Rosen Properties News]]></category>
		<category><![CDATA[Vacant Property]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[job relocation]]></category>
		<category><![CDATA[Lease Option]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[Rent]]></category>
		<category><![CDATA[Rent-To-Own]]></category>
		<category><![CDATA[selling on a lease option]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=118</guid>
		<description><![CDATA[When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.]]></description>
			<content:encoded><![CDATA[<p>When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.</p>
<p>But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for <strong>why your realtor hasn’t sold your house</strong>: &#8220;It needs more bedrooms; you need to come down in price; the school district isn&#8217;t the best&#8221;, etc.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us Now!</a>  We&#8217;ll act quickly to give you a real solution.</p>
<h2>We Can Buy Your Home Fast, Your Realtor Can&#8217;t</h2>
<p>At this point, what you really need is to sell your house now. That&#8217;s where we come in: We aren’t interested in listing your house again; we want to buy it! We are professional real estate investors – not real estate agents. We&#8217;ve built our reputation over the years for quick action and fair prices. We can often give you even more than one solution to your problem.</p>
<p>You just want an honest, fair way to sell your house, without realtor excuses. That&#8217;s exactly what we&#8217;ll provide.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us</a>    |    <a href="http://www.rosenprop.com/sell-your-home/seller-request-form">Complete the Seller Request Form</a></p>
]]></content:encoded>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Worried About Your Vacant House?</title>
		<link>http://www.rosenprop.com/blog/2009/11/13/worried-about-your-vacant-house/</link>
		<comments>http://www.rosenprop.com/blog/2009/11/13/worried-about-your-vacant-house/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 15:02:22 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Vacant Property]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=92</guid>
		<description><![CDATA[Has your vacant house become a stone around your neck? With crime rates these days, no amount of care seems to deter vandals from noticing that a house is vacant. In a matter of minutes they can destroy years of careful maintenance. What&#8217;s worse, many insurance companies have &#8220;fine print&#8221; that allows them to deny [...]]]></description>
			<content:encoded><![CDATA[<p>Has your vacant house become a stone around your neck? With crime rates these days, no amount of care seems to deter vandals from noticing that a house is vacant. In a matter of minutes they can destroy years of careful maintenance.</p>
<p>What&#8217;s worse, many insurance companies have &#8220;fine print&#8221; that allows them to deny coverage to you for the vandalism, even if you&#8217;ve been paying the premiums all along! They might claim that if the</p>
<p>house has been vacant longer than 30 days, the property is no longer covered.</p>
<p>All this worry and expense gets to a point where it&#8217;s not worth keeping the vacant house. Even so, you want to get a fair price for it. That&#8217;s where we come in: We can see the value in even a &#8220;fixer upper&#8221; house; we act quickly; and we&#8217;ll give you a fair price for your valuable asset. We&#8217;re real estate problem solvers.</p>
<p><a href="http://www.rosenprop.com/contact-us">Click Here to Contact Us Now</a>. Find out how we can give you a solid solution to your vacant house problemâ€¦fast!</p>
<p>Don&#8217;t let your home go to ruin&#8230;</p>
<p><img class="alignnone" src="http://www.bad-credit-advisor.com/vacant-house.JPG" alt="" width="202" height="157" /></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Behind On Mortgage Payments? Need To Stop Foreclosure?</title>
		<link>http://www.rosenprop.com/blog/2009/10/28/behind-on-mortgage-payments-need-to-stop-foreclosure/</link>
		<comments>http://www.rosenprop.com/blog/2009/10/28/behind-on-mortgage-payments-need-to-stop-foreclosure/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 16:33:48 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=80</guid>
		<description><![CDATA[When you got your mortgage, you could handle your payments. But life has a way of turning things upside down. Divorce, health problems and job loss can leave you in a position where you fall behind on mortgage payments. Unfortunately, the bank doesn&#8217;t allow partial payments. They want it all, and they want it now, [...]]]></description>
			<content:encoded><![CDATA[<p>When you got your mortgage, you could handle your payments. But life has a way of turning things upside down. Divorce, health problems and job loss can leave you in a position where you fall behind on mortgage payments.</p>
<p>Unfortunately, the bank doesn&#8217;t allow partial payments. They want it all, and they want it now, despite circumstances beyond your control.</p>
<p><a href="http://www.rosenprop.com/contact-us" target="_blank">Contact Us Now!</a>Â  We&#8217;ll act right away to help you solve your financial puzzle!</p>
<h2>We Can Help Your Mortgage Payment Situation</h2>
<p>When you&#8217;ve tried your hardest, but are still falling <strong>behind on mortgage payments</strong>, what you need is our experience. We&#8217;ve helped other families to get their finances back on track. That&#8217;s what we do.</p>
<p>If you&#8217;ve been staying up late at the kitchen table because youâ€™re falling behind on mortgage payments and wondering if there was another way out â€¦you&#8217;ve come to the right place. Let us give you some options that nobody ever told you about.</p>
<h2>Need To Stop Foreclosure?</h2>
<p>If you&#8217;ve been served with papers that threaten foreclosure, you don&#8217;t have much time. Even if your situation is due to health problems, a lost job, or other things out of your control, the sad truth is the lender doesn&#8217;t care.Â  We can help you <strong>stop foreclosure on your home</strong>.</p>
<p>You haveÂ options other than foreclosure!Â  <a href="http://www.rosenprop.com/contact-us" target="_blank">Contact Us Now!</a>Â  It&#8217;s urgent that you act fast to prevent the sheriff from appearing at your door with a foreclosure eviction notice.</p>
<h2>We Can Help Stop Foreclosure</h2>
<p>We&#8217;re real estate problem solvers, and might be able to <strong>stop foreclosure</strong>. We aren&#8217;t just another real estate agency that wants to list your house and make you wait. Instead, we&#8217;re real estate investors that know how to act quickly AND provide clear, fair solutions to stop foreclosure.</p>
<p>You have absolutely nothing to lose, and everything to gain by contacting us. We&#8217;ll tell you what solutions we can offer to stop foreclosure on your house.</p>
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