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Real Estate Prices: Boom
Calculated Risk: California Real Estate Prices: Boom and Bust Notify Blogger about objectionable content. What does this mean? BlogThis! Calculated Risk Click Here to Return to Main Page Politics and Economics Tuesday, March 15, 2005 California Real Estate Prices: Boom and Bust Today I heard someone comment that California Real Estate never goes down. In fact, California RE has declined in the past in both real and nominal terms. Click on graph for larger image. This graph shows the price of California RE based on the OFHEO California housing index . For the real price, the nominal price is adjusted by CPI, less Shelter, from the BLS . (1976 = 100) The graph shows that in real terms we have seen two declines since 1980. The first decline, in the early '80s, lasted 3 years. The second decline, in the early to mid '90s, lasted 6 years. The second graph shows the same information by annual rate of return, both real and nominal. The decline in the '90s lasted 24 quarters from peak to trough. It took 9 years for prices to recover in nominal terms to their early '91 peak. Overall prices declined 12% in nominal terms and 26% in real terms. Even more important for the economy are the coincident declines in sales volume. Real Estate prices are “sticky downward” since sellers are slow to adjust their prices down, and buyers are reluctant to buy a declining price asset. In this regards, real estate is an imperfect market in that prices adjust slowly to changes in supply and demand (unlike commodities like corn or wheat). Although prices do decline, it’s the decline in volume that leads to declining employment in real estate related occupations like construction, RE sales, mortgages, and more, and impacts the general economy. posted by CalculatedRisk at 8:39 PM Comments | Trackback Calculated Risk: a senior executive, retired from a public company, with a background in investing, finance and economics. Guest blogger: Angry Bear Commentator: Economics Roundtable WWW Calculated Risk Previous Posts UCLA Anderson Forecast: False Sense of Wealth Mortgage Debt and the Trade Deficit China Reduces Dollars in Its Reserves, Lehman Says Mortgage Debt Increases 13% in 2004 The Other Trust Funds Fed's Poole: Social Security Needs Small Changes Housing: Excessive Leverage? Housing: Two Worrisome Signs China and the Price of Gas Greenspan's March to Infamy Housing Sites: Housing Bubble Blog The Housing Bubble Prof. Pigginton's Econo-Almanac housebubble.com Bubble Meter Boy in the Housing Bubble Email: Calculated Risk "Homeownership has become a vehicle for borrowing and leveraging as much as a source of financial security." Former Fed Chairman Paul Volcker, Feb 11, 2005 More excerpts of Volcker's Speech and video
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Rentals Florida vacation rental - condo / house - Destin Florida Kissimmee Florida Marco Island Florida Panama City Beach Florida New Smyrna Beach Florida Sanibel Island Florida Treasure Island Florida Indian Rocks Beach Florida Orlando Florida Madeira Beach Florida vacation condo or house rental Home Page = USA Vacation Rentals = Florida Vacation Rentals Rentals in Florida Vacation Rental Properties A new window will open for each individual rental property clicked on. (#) - pictures - availability calendar Use the map to choose a region or Scroll down the page for a complete list of cities Vacation Property for rent in Florida include: (cities are added as listings become available) 2005-12-27  Amelia Island Fort Walton Beach Okaloosa Island Belleair Beach Hollywood Orlando Blue Mountain Beach Indian Rocks Beach Panama City Beach Clearwater Indian Shores Pompano Beach Clearwater Beach Islamorada Ponce Inlet Cocoa Beach Key Largo Redington Shores Coconut Creek Key West Sanibel Island Davenport Kissimmee Sarasota Daytona Beach Lakeland St. Augustine Beach Destin Madeira Beach St. Pete Beach Flagler Beach Marco Island St. Petersburg Fort Lauderdale Naples Treasure Island Fort Myers Navarre Beach Venice Fort Myers Beach New Smyrna Beach Amelia Island Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Amelia Island Florida vacation rental TOP FLOOR BEACH FRONT CONDO TREMENDOUS VIEW / BALCONY (3) Listing #117 Amelia Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $1400.00 - $2000.00 Belleair Beach Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Belleair Beach Florida vacation rentals Cozy Affordable Beach Condo Sunny & Breezy (3) Listing #206 Belleair Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 2: Weekly Rate (USA Dollars): 400 - 500 Blue Mountain Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Blue Mountain Beach Florida vacation rental Fabulous Gulf-Front Condo on Scenic Highway 30-A (3) Listing #111 Blue Mountain Beach Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 1400 - 2600 Clearwater Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Clearwater Florida vacation rentals Condo 1 Bedroom Condo Clearwater (3) Listing #409 Clearwater Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 2 weeks 550 - 4 week 750 Clearwater Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Clearwater Beach Florida vacation rental Clearwater Bch/Belleair Bch Fabulous Beach Front Condo (3) Listing #123 Clearwater Beach Accom:  2 Bedrooms 2 Full Baths Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): 800 - 1300 Cocoa Beach Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Cocoa Beach Florida vacation rentals Fun In Cocoa Beach "Right On The Beach" (3) Listing #419 Cocoa Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $799.00 - $1099.00 Cocoa Beach Florida vacation rental Overlooking the Atlantic Ocean Wrap Around Balcony Listing #138 Cocoa Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 750 - 950 Cocoa Beach vacation rentals Beautiful Condo on the Beach, Cape Canaveral, East Coast, FL (3) Listing #398 Cocoa Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 500 - 600 Cocoa Beach Florida rental Cocoa Beach Front Condo Windrush Listing #347 Cocoa Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 550.00 - 575.00 Coconut Creek Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Coconut Creek Florida rentals 2 Bedroom 2 Bath, 1st Floor Secure, Club House, Lake View Listing #421 Coconut Creek Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $350 - $900 Davenport Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Davenport Florida vacation rental 1st Florida Home just 15 minutes to Disney (3) Listing #423 Davenport Accom:  3 Bedrooms 2 Full Baths Villa Sleeps up to 8: Weekly Rate (USA Dollars): 630 - 945 Davenport Florida vacation rentals Orlando Pool Villa 3 Bed / 2 Bath Pool Home (3) Listing #356 Davenport Accom:  3 Bedrooms 2 Full Baths Villa Sleeps up to 8: Weekly Rate (USA Dollars): 650 - 780 Daytona Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Daytona Beach Florida vacation rental CONDO ON DAYTONA BEACH NON-SMOKING Unit on 10th Floor (3) Listing #6 Daytona Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 840 - 1190 Daytona Beach Florida vacation rentals Ocean Walk Oceanfront Condo Direct Oceanfront Condo (3) Listing #167 Daytona Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $700.00 - $1400.00 Daytona Beach Florida vacation rental Horizon's Ocean Front Condo Direct Ocean View (3) Listing #16 Daytona Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): *$690 - *$1050.00 Destin Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Destin Florida vacation rentals Ground Floor Maravilla 2BR Book Now for Spring 2006! (3) Listing #27 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $875/week - $1399/week Destin vacation rental Gulffront Maravilla 1+Br &2Br Private Beach-2 Pools-Tennis (3) Listing #18 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 7: Weekly Rate (USA Dollars): 450 - 1290 Destin Florida vacation rentals Susie's Delight Gulf Terrace Complex (3) Listing #55 Destin Accom:  2 Bedrooms 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $700.00 - $900.00 Destin Florida vacation rental Beach Retreat for You Gulf View (3) Listing #196 Destin Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 575.00 - 1195.00 Destin Florida rentals Directly on the Gulf No Streets to Cross (3) Listing #37 Destin Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 720 - 1470 Destin Florida rental Destiny House - RENTING FAST! SPRING BREAK & SUMMER (3) Listing #136 Destin Accom:  3 Bedrooms 3 Full Baths House Sleeps up to 10: Weekly Rate (USA Dollars): $800 - $2200 Destin Florida vacation rentals Just 65 yards to Gulf Southbay By the Gulf Resort (3) Listing #169 Destin Accom:  3 Bedrooms 2 Full Baths 1 Half Bath Townhouse Sleeps up to 8: Weekly Rate (USA Dollars): $775 - $1425 Destin Florida vacation rental Gulffront - Dolphin Watch Private Beach Access (3) Listing #122 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $950/week - $1600/week Destin Florida vacation rentals Sandpiper Cove Resort Studio Beaches and Boats (3) Listing #262 Destin Accom:  1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $385 - $535 Destin Florida vacation rental Maravilla Beachfront Resort 2.5 Acres Private Beach (3) Listing #150 Destin Accom:  4 Bedrooms 2 Full Baths House Sleeps up to 10: Weekly Rate (USA Dollars): 150/night - $1950/week Destin vacation rentals Crystal Sands Condo Beach Front on the Beach (3) Listing #422 Destin Accom:  1 Bedroom 1 Full Bath 1 Half Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): 550 - 1450 Destin Florida vacation rental Surfside Resort - 1,2,3 br Gulf View with - Amenities (3) Listing #28 Destin Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 12: Weekly Rate (USA Dollars): 695.00 - 2450.00 Destin Florida vacation rentals Full Gulf View - Nov Discount Nov $999 + tax for 7 nights (3) Listing #124 Destin Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 10: Weekly Rate (USA Dollars): 1299 - 2499 Destin Florida vacation rental Destin on the Gulf, Sunchase 9 Gulf Front Townhouse (3) Listing #26 Destin Accom:  2 Bedrooms 2 Full Baths 1 Half Bath Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): 700.00 - 1800.00 Destin Florida vacation rentals Spectacular Views of the Gulf Surfside Resort (3) Listing #54 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 500 - 1450 Destin Florida rental Summer Breeze Unobstructed Gulf View (3) Listing #266 Destin Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): 450 - 1050 Destin Florida rentals Sugar White Sand&Sapphire H2O Mere 75 Steps from the Beach (3) Listing #213 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 425 - 1125 Destin Florida vacation rental Looking for Dazzling Views? You'll Love Majestic Sun! (3) Listing #149 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $595 - $1499 Destin Florida vacation rentals Maravilla Condominum Private Beach - Great Rates (3) Listing #160 Destin Accom:  1 Bedroom 1 Full Bath 1 Half Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $350 - $875 Destin vacation rental Gorgeous Sunsets on the Beach Surfside Resort (3) Listing #30 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 7: Weekly Rate (USA Dollars): $500 - $1425 Destin Florida vacation rentals Maravilla Condo Steps from a Private Beach (3) Listing #184 Destin Accom:  1 Bedroom 1 Full Bath 2 Half Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $450 - $894 Destin Florida vacation rental GULF FRONT Shoreline Luxury Towers on a Budget - BOOK NOW (6) Listing #429 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 450 - 1550 Destin Florida vacation rentals Maravilla Beach Resort Popular Beach Resort (3) Listing #48 Destin Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $500 - $1200 Destin Florida vacation rental Need a Beachfront View? Maravilla Family Resort (3) Listing #13 Destin Accom:  Condo: Weekly Rate (USA Dollars): $650 - $1100 Destin Florida vacation rentals Great Gulf View 1BR 1BA Pool, Hot Tub, Private Balcony (6) Listing #204 Destin Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): 375/wk - 950/wk Destin Florida vacation rental BEST RATES & SLEEPS UP TO 8 IN THE HEART OF DESTIN (3) Listing #24 Destin Accom:  2 Bedrooms 1 Full Bath Condo Sleeps up to 8: Weekly Rate (USA Dollars): $700 - $900 Destin Florida rentals Surfside Condo, Affordable Fees Ocean Front-Highrise Property (3) Listing #34 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 500 - 1350 Destin Florida rental Fantastic Condo Pet Friendly Just Steps from the Beach (3) Listing #191 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $516.00 - $1103.00 Destin vacation rentals Destin's Crystal Beach Condo Reduced Rates for Fall !!!! (3) Listing #318 Destin Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): 395 - 925 Destin Florida vacation rental Maravill Ground Floor #2110 Gulf Front View - Open Aug. 13 (3) Listing #185 Destin Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 7: Weekly Rate (USA Dollars): $600 - $1300 Flagler Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Flagler Beach Florida vacation rentals Ocean Beach Club II Oceanfront (3) Listing #349 Flagler Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): 700 - 750 Fort Lauderdale Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Fort Lauderdale Florida vacation rental Luxury 2/2 Condo Direct Beach! Gorgeous 1800 sqft. Sleeps 8 (3) Listing #359 Fort Lauderdale Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 1,437 - 2,298 Fort Lauderdale Florida vacation rentals Direct Ocean/Beach Views! Beautifully Renovated Studios (2) Listing #203 Fort Lauderdale Accom:  1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $400 - $1000 Fort Myers Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Fort Myers Florida vacation rental Sanibel Harbour Corner Unit (3) Listing #70 Fort Myers Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $940 - $2250 Fort Myers Florida vacation rentals The Landings 4612 Flagship Dr. (3) Listing #368 Fort Myers Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Monthly Rate (USA Dollars): 1400.00 - 3900.00 Fort Myers Beach Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Fort Myers Beach Florida vacation rental Condo on the Beach Beautiful Beach Retreat (3) Listing #248 Fort Myers Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 650.00 - 1200.00 Fort Myers Beach Florida vacation rentals Water Luxury Views of Gulf & Estero Bay (3) Listing #80 Fort Myers Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 900 - 1500 Fort Walton Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Fort Walton Beach rental Gulf Front Penthouse Best View 7th Floor (3) Listing #127 Fort Walton Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 500 - 1200 Fort Walton Beach Florida rentals Rex & Penny's Beach Retreat Florida Condo Vacation Rental (3) Listing #11 Fort Walton Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 550 - 1250 Fort Walton Beach Florida vacation rental 5th Floor View - Awesome! 1 Bedroom with Bunks (3) Listing #105 Fort Walton Beach Accom:  1 Bedroom 1 Full Bath 2 Half Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 500 - 1200 Hollywood Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Hollywood Florida vacation rentals Beach Vacation Rentals Caribbean Resort Apartments (3) Listing #414 Hollywood Accom:  1 Bedroom 1 Full Bath Villa Sleeps up to 4: Weekly Rate (USA Dollars): $450+tax - $600+tax Indian Rocks Beach Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Indian Rocks Beach Florida vacation rental HAS IT ALL - Beach Front Tennis & Pool (3) Listing #128 Indian Rocks Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $760 - $1450 Indian Rocks Beach Florida vacation rentals Beachfront Corner - Reef Club Jan 21st 2006. $595 per week (3) Listing #74 Indian Rocks Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $595 - $1450 Indian Rocks Beach Florida vacation rental Luxury Beachfront Penthouse Popular Reef Club (#504) (3) Listing #91 Indian Rocks Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $700.00 - $1600.00 Indian Rocks Beach Florida vacation rentals Deja-View Pool Is Right on the Beach (3) Listing #78 Indian Rocks Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $800.00 - $1100.00 Indian Rocks Beach Florida vacation rental Sand Castle North on the BEACH Pool/Jacuzzi White Sand Beach (3) Listing #43 Indian Rocks Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 7: Weekly Rate (USA Dollars): 800 - 1100 Indian Rocks Beach vacation rentals Fantastic Gulf View Located on the Beach Listing #129 Indian Rocks Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 900 - 1200 Indian Shores Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Indian Shores Florida vacation rental Dramatically Upgraded Gulf Front Condo at Sea Gate! (3) Listing #417 Indian Shores Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $950 - $1475 Indian Shores Florida rentals My Indian Shores Beach Condo Family Resort Condo on Beach (6) Listing #277 Indian Shores Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 7: Weekly Rate (USA Dollars): 665 - 1100 Indian Shores Florida rental $550/wk TOTAL! Huge, Beach Condo, Pool, New (3) Listing #378 Indian Shores Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $550 - $625 Total Islamorada Florida vacation rental return to top of Florida page or return to state list of USA vacation rentals Islamorada Florida vacation rentals Islamorada Vacation Condo Gorgeous! Prime Location! (3) Listing #109 Islamorada Accom:  2 Bedrooms 1 Full Bath 1 Half Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $700 - $800 Islamorada Florida vacation rental Islamorada, Florida Keys Ocean View Condo (3) Listing #57 Islamorada Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 5: Weekly Rate (USA Dollars): 1000 $ - 1200 $ Key Largo Florida vacation rentals return to top of Florida page or return to state list of USA vacation rentals Key Largo Florida vacation rentals Gorgeous Key Largo Townhouse Beautiful Views and Spacious (3) Listing #104 Key Largo Accom:  2 Bedrooms 2 Full Baths Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): $700 - $800 Key West vacation rental return to top of Florida page or return to state list of USA vacation rentals Key West Florida vacation rental Ocean View Private Estate 2 Acres with Lush Tropical (3) Listing #133 Key West Accom:  5 Bedrooms 3 Full Baths House Sleeps up to 14: Weekly Rate (USA Dollars): $1250 - $3750 Key West Florida vacation rentals The Gallup Arms Tropical Living with Pool (3) Listing #61 Key West Accom:  3 Bedrooms 2 Full Baths 1 Half Bath Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): 1500 - 2000 Key West vacation rental Henry's Piece Of Paradise On The Ocean In Key West (3) Listing #89 Key West Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 5: Weekly Rate (USA Dollars): 1400 - 2800 Kissimmee vacation rentals return to top of Florida page or return to state list of USA vacation rentals Kissimmee Florida vacation rentals Grand Palms 3 Bed 2 Bath Condo 5 miles to Disney, from $75 (3) Listing #207 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): US$500 - US$750 Kissimmee Florida vacation rental Fabulous Condo Near Disney, FL Windsor Palms Resort (3) Listing #17 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Daily Rate (USA Dollars): 65 - 100 Kissimmee Florida vacation rentals Spectacular South-facing POOL HOME - 4 miles to DisneyWorld (3) Listing #343 Kissimmee Accom:  3 Bedrooms 2 Full Baths House Sleeps up to 8: Daily Rate (USA Dollars): 99.00 - 140.00 Kissimmee Florida rental 3 Bdr 2 Bath Condo near Disney Low Season Rate -$70 per night (3) Listing #385 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $490 - $725 Kissimmee Florida rentals IT'S NEW, GORGEOUS AND UPSCALE **5 MIN'S DISNEY** $99/NIGHT** (3) Listing #140 Kissimmee Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Daily Rate (USA Dollars): $99 All Year!..... - $129 Christmas Kissimmee Florida vacation rental Orlando/Disney Vacation Villa Emerald Island 3 mi to Disney (3) Listing #147 Kissimmee Accom:  4 Bedrooms 3 Full Baths 1 Half Bath Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): $100/nt - $700/wk Kissimmee Florida vacation rentals Disney Area Condo Pool Side Unit (3) Listing #12 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $560.00 - $630.00 Kissimmee Florida vacation rental NEW! THRILLING 3 B/R CONDO!! TWO KING SIZE MSTR B/R SUITES! (3) Listing #297 Kissimmee Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Daily Rate (USA Dollars): $109 - $139 Kissimmee vacation rentals "POOLSIDE" TOWNHOUSE Pool View (3) Listing #218 Kissimmee Accom:  4 Bedrooms 3 Full Baths 1 Half Bath Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): $650 - $750/$850 Kissimmee Florida vacation rental **BRAND NEW! ** DISNEY CONDO** JAW-DROPPING BEAUTIFUL (3) Listing #197 Kissimmee Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 623 - 693 Kissimmee Florida vacation rentals Beautiful Vacation Home 8 miles from Disney gates (6) Listing #426 Kissimmee Accom:  3 Bedrooms 2 Full Baths Villa Sleeps up to 8: Daily Rate (USA Dollars): 80 - 110 Kissimmee Florida vacation rental Luxurious Condo 5 Minutes to Disney (3) Listing #256 Kissimmee Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 525.00 - 970.00 Kissimmee Florida vacation rentals +++Best Value Vacation Villa 5 Miles from Disney World (3) Listing #341 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 400.00 - 756.00 Kissimmee Florida vacation rental Condo or Townhouse + Sundeck? Windsor Palms Resort nr Disney (3) Listing #354 Kissimmee Accom:  3 Bedrooms 3 Full Baths Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): $650.00 - $900.00 Kissimmee Florida rentals Brand New Windsor Hills 3BR/2B 1 1/2 mile from Disney (3) Listing #381 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Daily Rate (USA Dollars): 75.00 - 140.00 Kissimmee Florida rental My Kissimmee Condo Laguna Bay Villas Complex (3) Listing #235 Kissimmee Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 650 - 1000 Lakeland vacation rental return to top of Florida page or return to state list of USA vacation rentals Lakeland Florida vacation rentals Lake Bonny Vacation Home Lake Front Home (3) Listing #251 Lakeland Accom:  3 Bedrooms 3 Full Baths House Sleeps up to 6: Weekly Rate (USA Dollars): 600.00 - 800.00 Madeira Beach vacation rentals return to top of Florida page or return to state list of USA vacation rentals Madeira Beach vacation rental Tip-Top Beachfront Condo Very Clean w/ X-Large Balcony (3) Listing #102 Madeira Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $900 - $1300 Madeira Beach Florida vacation rentals Ellie Ackley's Beach Place 3 Bedroom, Beachfront Condo (3) Listing #186 Madeira Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $850 - $1500 Madeira Beach Florida vacation rental Gorgeous Beach Front Rentals Privacy, Peace, and Quiet (3) Listing #112 Madeira Beach Accom:  2 Bedrooms 1 Full Bath Condo Sleeps up to 5: Weekly Rate (USA Dollars): $600 - $800 Madeira Beach Florida vacation rentals Gulf Front Great Sunset Views Listing #79 Madeira Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 665 - 1365 Madeira Beach Florida vacation rental Directly on Beach Gulf Front Balcony (3) Listing #60 Madeira Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 735 - 1250 Marco Island vacation rental return to top of Florida page or return to state list of USA vacation rentals Marco Island Florida vacation rentals Beachfront Beautiful 2+ Bedroom For Less Than A Hotel Room (3) Listing #132 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 640 - 1570 Marco Island Florida vacation rental Marco 2 BA/2BA Condo Walking Distance to S. Beach (3) Listing #107 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $500 - $1000 Marco Island Florida vacation rentals Directly on the Beach GREAT View of the Gulf (3) Listing #113 Marco Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $550 - $1200 Marco Island Florida rental Best Buy on Marco Southseas Towers Listing #425 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 600 - 1500 Marco Island rentals Marco Island Condo Rental Direct Beachfront Sleeps 6 (3) Listing #35 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $695 - $1450 Marco Island Florida vacation rental South Seas Club Beachfront Beauty (3) Listing #239 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 5: Weekly Rate (USA Dollars): $800 - $1975 Marco Island Florida vacation rentals Marco Island Waterfront Condo Waterfront View of Marco Bay (3) Listing #108 Marco Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 5: Weekly Rate (USA Dollars): 600 - 1500 Marco Island Florida vacation rental Marco Island Getaway Walk to Beach (3) Listing #77 Marco Island Accom:  2 Bedrooms 1 Full Bath Condo Sleeps up to 5: Monthly Rate (USA Dollars): 1800 - 2400 Marco Island Florida vacation rentals Beachfron Beauty II Views of the Beach (3) Listing #114 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 5: Weekly Rate (USA Dollars): $800 - $1975 Marco Island Florida vacation rental Gulf Front Condo Great View, Beautiful Beach (3) Listing #194 Marco Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $665 - $1565 Naples vacation rentals return to top of Florida page or return to state list of USA vacation rentals Naples Florida vacation rentals NEWER CONDO - 5 MIN. TO BEACH -VIEW OF GOLF COURSE (3) Listing #110 Naples Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Monthly Rate (USA Dollars): $1500/mo - $3300/mo Naples Florida vacation rental Naples Area Vacation Condo Incredible Gulf Views! (3) Listing #95 Naples Accom:  3 Bedrooms 4 Full Baths Condo Sleeps up to 5: Monthly Rate (USA Dollars): $4000.00 - $8000.00 Navarre Beach vacation rental return to top of Florida page or return to state list of USA vacation rentals Navarre Beach Florida vacation rentals View of 30 Miles of Gulf Coast Wrap-around Windows (3) Listing #201 Navarre Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $700 - $1600 Navarre Beach vacation rental Gorgeous Gulf and Sound Views Sunrise and Sunsets Views (3) Listing #176 Navarre Beach Accom:  4 Bedrooms 3 Full Baths Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): $880 - $1150 Navarre Beach Florida rentals 15th Floor Great Gulf View Summerwind West (3) Listing #171 Navarre Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $550 - $1600 New Smyrna Beach vacation rentals return to top of Florida page or return to state list of USA vacation rentals New Smyrna Beach Florida rental Castle Reef Oceanfront Condo New Smyrna Beach Florida (3) Listing #413 New Smyrna Beach Accom:  2 Bedrooms 2 Full Baths 6 Half Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 500 - 800 New Smyrna Beach Florida vacation rentals Beautiful 3/2 Condo 1745 sqft ! Sleeps 6-8, 750/850 per week (3) Listing #214 New Smyrna Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 750.00 - 850.00 New Smyrna Beach Florida vacation rental Oceanfront Balcony Great View (3) Listing #301 New Smyrna Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $800 - $1200 New Smyrna Beach Florida vacation rentals New Luxury Condo, #4-201 The Beach and So Much More! (3) Listing #90 New Smyrna Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 9: Weekly Rate (USA Dollars): $800 - $1000 New Smyrna Beach Florida vacation rental Brand New Luxury Condo Oceanwalk (3) Listing #249 New Smyrna Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $895 - $1050 New Smyrna Beach Florida vacation rentals Oceanfront Condo on Non-Drive Sea Coast Gardens III (3) Listing #308 New Smyrna Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 450 - 1000 New Smyrna Beach Florida vacation rental Ebb Tide Resort Style Condo Oceanfront on Non Driving NSB (3) Listing #209 New Smyrna Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 750 - 1750 New Smyrna Beach vacation rentals Beach Front Balcony Great View Listing #289 New Smyrna Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $750.00 - $850.00 Okaloosa Island vacation rental return to top of Florida page or return to state list of USA vacation rentals Okaloosa Island Florida vacation rental GulfFront Spring Openings (3) Listing #151 Okaloosa Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 630 - 1320 Okaloosa Island Florida vacation rentals New Ocean Front Penthouse Check our Fall Specials (3) Listing #399 Okaloosa Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $899 - $2,099 Orlando vacation rentals return to top of Florida page or return to state list of USA vacation rentals Orlando Florida rental Luxury Florida Villa Orlando Vacation Villa (3) Listing #412 Orlando Accom:  4 Bedrooms 2 Full Baths Villa Sleeps up to 8: Weekly Rate (USA Dollars): 750 - 1150 Orlando Florida rentals LUXURY VILLA CLOSE TO DISNEY GAMES ROOM SOLAR HEATED POOL (3) Listing #290 Orlando Accom:  4 Bedrooms 3 Full Baths Villa Sleeps up to 10: Weekly Rate (USA Dollars): $900 - $1170 Orlando Florida vacation rental Disney Universal 2 Bedrm Condo 1 Mile from Universal Studios (3) Listing #272 Orlando Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 690.00 - 900.00 Orlando Florida vacation rentals LUXURY VACATION CONDO 2 BEDROOMS/2 BATHROOMS Listing #410 Orlando Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Daily Rate (USA Dollars): $65. per night - $80. per night Orlando Florida vacation rental Villa Ambiente Luxury Villa Pool, Spa, Southwest View (3) Listing #142 Orlando Accom:  5 Bedrooms 4 Full Baths Villa Sleeps up to 12: Weekly Rate (USA Dollars): $950 - $1400 Orlando Florida vacation rentals Villa By Disney Great View of Disney Fireworks (3) Listing #221 Orlando Accom:  4 Bedrooms 2 Full Baths Villa Sleeps up to 10: Weekly Rate (USA Dollars): 700 - 975 Panama City Beach vacation rental return to top of Florida page or return to state list of USA vacation rentals Panama City Beach vacation rental Panama City Beach Condos Rentals (3) Listing #99 Panama City Beach Accom:  2 Bedrooms 2 Full Baths 1 Half Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $575 - $845 Panama City Beach Florida vacation rentals 1 & 2 Bedroom Oceanfront Condos Edgewater & Long Beach Resorts (3) Listing #250 Panama City Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): $700 - $1850 Panama City Beach Florida vacation rental Gulf Front Expansive Gulf Views Listing #67 Panama City Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $760 - $1530 Panama City Beach Florida vacation rentals Horizon South Family Resort Resort Across Street from Beach (3) Listing #258 Panama City Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $400 - $850 Panama City Beach Florida vacation rental Beautiful 2-Br/2Bth-Gated Property Horizon South Resort (3) Listing #280 Panama City Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 480.00 - 870.00 Panama City Beach Florida rentals Panama City Beach Condos Pelican Walk and Mariner East (3) Listing #306 Panama City Beach Accom:  1 Bedroom 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): 540 - 1170 Panama City Beach Florida rental Beach Front Condo Edgewater Beach Resort Listing #157 Panama City Beach Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 1500 - 3300 Panama City Beach Florida vacation rentals Wraparound Beachfront Balcony Awesome View-Great Amenities (3) Listing #205 Panama City Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 900 - 1680 Pompano Beach vacation rentals return to top of Florida page or return to state list of USA vacation rentals Pompano Beach Florida vacation rental Panoramic, Intracostal, Lighthouse Newly Renovated & Furnished (3) Listing #264 Pompano Beach Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $550 - $750 Ponce Inlet vacation rental return to top of Florida page or return to state list of USA vacation rentals Ponce Inlet vacation rentals New Luxury Condo The Beach, Golf, Tennis & More (3) Listing #236 Ponce Inlet Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 8: Monthly Rate (USA Dollars): 2500 - 3000 Ponce Inlet Florida vacation rental Luxury Condo @ Harbour Village Coastal Living as it's Finest (3) Listing #416 Ponce Inlet Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 6: Monthly Rate (USA Dollars): $2500 - $3000 Redington Shores vacation rentals return to top of Florida page or return to state list of USA vacation rentals Redington Shores Florida vacation rentals On the Gulf Balcony with Superb Views (3) Listing #66 Redington Shores Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 10: Weekly Rate (USA Dollars): 850 - 1325 Redington Shores Florida vacation rental Redington "Shore to Please" Glorious Ocean and Beach View (3) Listing #229 Redington Shores Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 630.00 - 980.00 Sanibel Island vacation rental return to top of Florida page or return to state list of USA vacation rentals Sanibel Island Florida vacation rentals Luxury Gulf Front Penthouse At fabulous Pointe Santo (3) Listing #401 Sanibel Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 1300 - 3000 Sanibel Island Florida vacation rental Central Reservations Over 5000 options in Network (1) Listing #7 Sanibel Island Accom:  Condo: Weekly Rate (USA Dollars): $600 - $10000 Sanibel Island Florida vacation rentals 3BR/2BA Sanibel Condo Rental Free Internet, Gulf Front (3) Listing #139 Sanibel Island Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 1550 - 3470 Sanibel Island Florida rental Sanibel Island Condo Coquina Beach (3) Listing #20 Sanibel Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 730 - 1610 Sanibel Island Florida rentals "Sanibel Shore To Please" Sundial Beachfront Resort (3) Listing #189 Sanibel Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $725. - $1750. Sanibel Island vacation rental Pointe Santo 1st Floor Walkout Gulf Front - Tropical Setting (3) Listing #86 Sanibel Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 1000 - 2300 Sarasota vacation rentals return to top of Florida page or return to state list of USA vacation rentals Sarasota Florida vacation rentals Prestancia PENTHOUSE TPC Golf Sunset Views, near Siesta Key (3) Listing #353 Sarasota Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $630.00 - $840.00 St. Augustine Beach vacation rental return to top of Florida page or return to state list of USA vacation rentals St. Augustine Beach Florida vacation rental Beautiful Beachfront Townhomes 2 Pools, Amazing Beach (3) Listing #192 St. Augustine Beach Accom:  2 Bedrooms 2 Full Baths Townhouse Sleeps up to 6: Weekly Rate (USA Dollars): 600 - 1125 St. Pete Beach vacation rentals return to top of Florida page or return to state list of USA vacation rentals St. Pete Beach Florida vacation rentals Luxury Gulf Coast Condo Bay & Gulf View (3) Listing #64 St. Pete Beach Accom:  2 Bedrooms 1 Full Bath 1 Half Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 630 - 980 St. Petersburg vacation rental return to top of Florida page or return to state list of USA vacation rentals St. Petersburg Florida vacation rental St. Petersburg FL Bermuda Bay Private Beach, Pools, Tennis.. (3) Listing #36 St. Petersburg Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 275 - 550 (equiv but only rents mont St. Petersburg Florida vacation rentals Magic Shangrila on the Beach View of Boca Ciega Bay (3) Listing #130 St. Petersburg Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $450 - 2400 - 30 days Treasure Island vacation rentals return to top of Florida page or return to state list of USA vacation rentals Treasure Island Florida vacation rental Land's End Condo Wonderful Beach/Pool Vacation (3) Listing #400 Treasure Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 725 - 1200 Treasure Island Florida vacation rentals Heavenly Sunsets Perfect Family Getaway (3) Listing #269 Treasure Island Accom:  3 Bedrooms 2 Full Baths 1 Half Bath Condo Sleeps up to 8: Weekly Rate (USA Dollars): $750 - $1000 Treasure Island Florida vacation rental Lands End Beautiful Views (3) Listing #145 Treasure Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $650 - $1275 Treasure Island rentals Gulf-front steps away from beach (3) Listing #135 Treasure Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 600 - 750 Treasure Island Florida rental ALMOST HEAVEN Beautiful Sunsets (3) Listing #125 Treasure Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $ 375 - $ 400 Treasure Island Florida vacation rentals A Home Away From Home Great Oceanview Balcony (3) Listing #137 Treasure Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 750 - 1000 Venice vacation rental return to top of Florida page or return to state list of USA vacation rentals Venice Florida vacation rental Beachfront One & Two-Bedroom Condos on the Gulf of Mexico (3) Listing #427 Venice Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $580.00 - $995.00 Venice Florida vacation rentals Plantation Golf & Country Club Overlooks the Golf Course (9) Listing #59 Venice Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $550 per week - $650 per week
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Tips on Buying and Selling Your House Remarked out per Bob Gent 4/11/02 -- TIPS TO HELP YOU SELL YOUR HOME MORE QUICKLY Owners can help expedite the sale of their home by following a few guidelines to make the house more attractive to potential buyers. A thorough self-inspection and a walk-through with your real estate agent can reveal imperfections that might hinder a sale. (Please note: in Washington state, as in many other states, the seller must complete a "Real Property Transfer Disclosure Statement" form about the condition of property being offered for sale. Material defects must be disclosed.) House-hunters typically begin their inspection of a property bypreviewing its "curb appeal." A surprising number ofhomes are eliminated from consideration before potential buyersget out of their car because they find the exterior appearanceunsightly or uninviting. Following are some basic suggestions for improving the marketabilityof your home. Examine the lawn and flower gardens, making sure the lawnis mowed and free of drainage problems. Colorful flowers andshrubs can enhance the home's attractiveness. Check the sidewalks and driveway to make sure they're freeof weeds and clutter. Inspect the home's exterior, looking for loose, missing ordamaged siding and brickwork, a cracked and uneven foundation,and gutters, downspouts or fences that are in disrepair. Paintor repair any problem areas. Clear the decks! Clean decks, patios and steps, removingunnecessary furniture, toys and debris. Tidy up any pet areas. Inspect the front door. A fresh coat of paint or stain anda clean doormat can help create an inviting "first impression." Check lighting, making sure pathways and entry have adequateillumination. Inside the home, you should conduct an equally thorough inspection,since potential buyers are likely to open doors and cupboards,look into, look behind and operate everything to make sure thehome offers the space, layout and features they need. Extensiveredecorating isn't usually recommended, but all rooms should beclean and clutter-free. Think "light," "bright,""open" and "airy." Clear rooms (including closets and storage areas) of everythingbut the basics. Arrange furniture so rooms look spacious. Remove clutter from the basement and garage. Sweep floors,degrease spots and dust. Have carpets and drapes professionally cleaned. Patch walls and ceiling cracks, then repaint or wallpaper,using neutral shades. Check the basement for musty smells and signs of mildew orleaks, correcting any defects. Inspect bathroom and kitchen fixtures to make sure they sparkle,are leak-free and are otherwise functioning well. Remove stainsfrom countertops, sinks, tubs and showers. Test major mechanical components, including the furnace, waterheater and electrical system. Make sure windows and doors open and close easily. Replacecracked or scratched glass. Be aware of the amount and type of insulation. DETERMINING HOW MUCH HOUSE YOU CAN AFFORD Low mortgage rates and special incentives for first-time buyersare making the dream of home ownership a reality for more individualsand families. As you begin your search, you'll want to determinehow much house you can afford and what type of mortgage is bestfor your budget. In general, four factors will influence your ability to buy thatdream home. They are: how much of a down payment you will make. The more cash youput down, the less you'll have to borrow. the amount you need to borrow (your mortgage) to cover a monthlypayment for the loan principal (amount borrowed), interest ("price"charged for your use of the lender's money), taxes ( a portionof property taxes), and insurance. the mortgage interest rate. the repayment terms of your loan. When applying for a mortgage, your current earnings and expectedincome during the next few years may influence your borrowingpower. Outstanding long-term debt and how long you expect tostay in the home you're buying may also be considered. Most realty agents recommend getting preliminary approval fora loan, usually by getting "pre-qualified" or "pre-approved"for a certain monthly payment. Getting approved for a loan requireshaving a lender verify your financial situation, including yourcurrent assets (income, savings, investments and other sourcesof revenue) and your liabilities (existing loans, credit cardbalances and other obligations). Using this information, thelender will evaluate whether there are sufficient funds for thedown payment, whether you have adequate income to make monthlypayments, and your overall credit-worthiness, which is based ona review of your borrowing history. According to many real estate professionals and lenders, the biggestreason people get turned down for a loan is poor credit. Reviewingyour credit status and correcting any mistakes before applyingfor a loan can help you avoid surprises or disappointments. Consumersmay request a copy of their credit report from one of three majorreporting services: Equifax: 1-800-685-1111 Trans Union: 1-800-851-2674 Experian: 1-888-EXPERIAN (1-888-397-3742) A small fee may apply, although if you've been denied credit recently,federal law mandates that the lender tell you which company suppliedthe information. You have a right to a free copy of your reportfrom that company so long as you request it within 30 days ofthe credit denial. Pre-qualification, based on numbers you supply to a lender, isan indication of the range of what you can afford. Getting pre-qualifiedis neither a commitment to loan you money, nor is it an obligationby you to borrow from a particular lender. Lenders typically use one of two guidelines when evaluating aloan request. Most lenders will limit the loan amount to a percentageof your gross monthly income or to a multiple of your annualhousehold income. As a general rule, individuals or families can usually handlea housing payment that amounts to 25- to-28 percent of their grossmonthly income. Following this guideline, if gross monthly incomeis $3,500, monthly payments (inclusive of taxes and insurance)in the range of $875 to $980 are considered reasonable. Somelenders use an alternate ratio that allows 36 percent of totalmonthly income for housing expenses and other long-term debts,such as car loans, credit card payments and obligations for childsupport. (Monthly living expenses for utilities, groceries, entertainment,medical and auto insurance are not calculated in this formula.) Another guideline, based on gross annual household income, assumesmost borrowers can afford up to 2.5 times their gross annual income. This means a borrower with total income of $40,000 may qualifyfor a loan of up to $100,000. Whether using a "multiplier method" or a "percentagemethod," prospective home buyers should allow for closingcosts and moving expenses. (Closing costs are the fees and taxesthat are paid when the deed is transferred. These usually amountto 5-to-10 percent of the mortgage amount. Moving expenses includecosts for movers, as well as "move-in" deposits forutilities and other "necessities"). Many lenders provide work sheets and charts to help you calculateyour borrowing power, along tables so you can compare paymentsat different rates and for different loan periods. (Some realestate brokers and financial institutions even have "mortgagecalculators" on their Internet site to help you determinewhat you can afford.) Your borrowing power can be increased with favorable interestrates and terms. With lower rates, you can borrow more money. Different types of loans and the duration of the payback periodwill influence the interest rate that will be applied to yourmortgage. In general, the shorter the term of the loan, the lowerthe interest rate. There are dozens of different types of mortgage programs froma wide variety of financial institutions, including mortgage companies,saving and loan associations, commercial banks and credit unions. Prudent consumers will find it pays to compare options to findthe right loan for their particular situation. THE MULTIPLE LISTING SERVICE (MLS) A multiple listing service is a system for collecting and organizinginformation on available properties in a given area. Such informationis shared by members who agree to cooperate with each other andto abide by certain operating procedures. This service enablesbuyers to have a vast selection of homes to consider, while sellersbenefit from having their property exposed to a large networkof real estate professionals and their clients. Most brokers in the Seattle-Everett-Tacoma area are members of the Northwest Multiple Listing Service (NWMLS), formerly called Puget Sound Multiple Listing Association (PSMLA). More than 1,300 companies with approximately 15,000 licensed sales professionals currently belong to this independent association. In addition to its primary function of maintaining a comprehensive database on thousands of properties, NWMLS produces various legal forms, publications and reports for its members. The "multiple" also maintains an electronic keybox system, which allows access to listings by authorized agents. Other benefits include an array of computerized services to assist with property searches, financial analysis, communications between offices, and access to data on property taxes, local schools and other information. Ongoing training and technical support are also available to NWMLS brokers and agents.