Real Estate Investing Abbreviations
Real Estate Investing Abbreviations - REIClub Free Investing Books, Audios - Click Here to View Receive 5 Free Bonuses! Click Here to Subscribe! Site Navigation Investor Information Home Investing Newsletter Real Estate Articles Success Stories Recommended Reading Free Investing Books Investing Glossary Investing Abbreviations Community Tools Real Estate Chat Room Chat Room Schedule Real Estate Forums Newsgroup Forums Beginners, Carlton Sheets Bird Dogs, Wholesaling Foreclosures, Short Sales Sub2, Lease Options Rehabbing, Landlording Financing, Hard Money Asset Protection, Legal Commercial, Mobile Homes Real Estate Marketing Product Catalog Best Sellers All Investing Products Real Estate Audios Real Estate Books Real Estate Courses Real Estate Ebooks Real Estate Forms Real Estate Software Real Estate Videos Course Specials Investor Services Miscellaneous Real Estate Seminars No Risk Guarantee Investor Resources Real Estate Clubs Cash Flow Clubs Hard Money Lenders State Property Codes Tax Appraisal Districts Investor Referrals Business Tools Real Estate Forms Investor Network Ads Real Estate Classifieds Site Information Advertising Rates Advertiser Login Link to REIClub Contact REIClub Real Estate Investing Abbreviations REI Abbreviations AFD - Agreement For Deed AITD - All Inclusive Trust Deed APR - Annual Percentage Rate ARM - Adjustable Rate Mortgage ARV - After-Repaired Value BOR - Board of Realtors CAD - County Appraisal District Cap - Capitalization CCIM - Certified Commercial Investment Member CCR - Conditions, Covenants, and Restrictions CFD - Contract for Deed CLTV - Combined Loan To Value CMA - Comparative Market Analysis COCR - Cash on Cash Return COF - Cost of Funds COO - Certificate of Occupancy CRB - Certified Residential Broker CRE - Creative Real Estate CRS - Certified Residential Specialist DBA - Doing Business As DCR - Debt Coverage Ratio DOS - Due On Sale Clause DOT - Deed of Trust DSCR - Debt Service Coverage Ratio FCRA - Fair Credit Reporting Act FFE - Furniture, Fixture, and Equipment FHA - Federal Housing Administration FHLMC - Federal Home Loan Mortgage Corporation, Freddie Mac FMR - Fair Market Rent FMV - Fair Market Value FNMA - Federal National Mortage Association, Fannie Mae FRBO - For Rent by Owner FSBO - For Sale by Owner GMAC - General Motors Acceptance Corporation GRM - Gross Rent Multiplier HELOC - Home Equity Line of Credit HML - Hard Money Lender HOA - Homeowners Association HUD - Housing and Urban Development HVAC - Heating, Ventilation and Air Conditioning IRA - Individual Retirement Account IRC - Internal Revenue Code IRR - Internal Rate of Return IRS - Internal Revenue Service L/O - Lease Option L/P - Lease Purchase L/S - Landlord Seller LIBOR - London Interbank Offering Rate LLC - Limited Liability Company LOC - Line of Credit LOI - Letter of Intent LP - Limited Partnership LPOA - Limited Power of Attorney LTV - Loan to Value MAI - Member Appraisal Institute MAO - Maximum Allowable Offer MIP - Mortgage Insurance Premium MLS - Multiple Listing Service MUD - Municipal Utility District NAR - National Association of Realtors NIV - No Income Verification NNN - Triple Net Lease NOD - Notice of Default NOI - Net Operating Income NOO - Non-Owner Occupant O/F - Owner Finance OO - Owner Occupant P&S - Purchase and Sale PITI - Principal Interest Taxes Insurance PMI - Private Mortgage Insurance POA - Power of Attorney PUD - Planned Unit Development REI - Real Estate Investing / Real Estate Investor REIA - Real Estate Investors Association REIT - Real Estate Investment Trust REO - Real Estate Owned ROI - Return On Investment RTO - Rent to Own SFH - Single Family House SFR - Single Family Residence Sub2 - Buying property subject to existing financing T/B - Tenant Buyer TAA - Texas Apartment Association TAR - Texas Association of Realtors TIL - Truth In Lending TREC - Texas Real Estate Commission UBIT - Unrelated Business Income Tax UCC - Uniform Commercial Code VA - Department of Veterans Affairs / Veterans Administration Back to Top Forum Abbreviations AFAIK - As Far As I Know AFK - Away From Keyboard AKA - Also Known As BBIAM - Be Back In a Minute BFN - Bye For Now BRB - Be Right Back BTW - By The Way CUL - See You Later FYI - For Your Information G2G - Got to Go IMHO - In My Humble Opinion IMO - In My Opinion LMAO - Laughing My Ass Off LOL - Laughing Out Loud NT - No Text ROFL - Rolling on the Floor Laughing ROTFLMAO - Rolling on the Floor Laughing My Ass Off TIA - Thanks In Advance Back to Top Privacy | Terms of Use | View Cart 2002-2004 All Rights Reserved. REIClub.com
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Real Estate Broker
Plaza Real Estate - Wichita Real Estate Agency -- QUICK LINKS Agent Login Virtual Tours Area Info Transaction Mgmt Careers Home -- Language Services Español Dutch Hindi, Pungab, Siraiki, Urdu Hindi, Gujarati Home Owner Services Overview Schools Relocation Area Info Utilities & Services Resources Learn The Lingo Buying A Home The Mortgage Process Financial Services Overview Mortgage Services Title Services Closing Services Calculator Interest Rates Resources About Us Mission Statement Company Profile Our Team Our Locations Corporate/East Office West Office South/Derby Office Commercial Office Plaza New Homes Plaza/Astle Realty Hutchinson Contact Us News/Events What's New Press Releases Sign up for eNews -- MLS#: Go! Street Name: Go! Welcome to the premiere Wichita Real Estate Agency, Plaza Real Estate, Inc. Welcome to the home of Plaza Real Estate, Inc., the premiere Wichita Real Estate Agency. Whether you are buying or selling residential or commercial real estate, Plaza Real Estate, Inc. is here to serve all of your Wichita Real Estate needs. Plaza Real Estate, Inc. is one of the first Wichita Real Estate Agencies to feature in-house title and mortgage services for a complete real estate experience. Our website furthers this one-stop shop service and is full of features to assist you. If you are considering buying a home, browse Wichita Real Estate listings using our home search feature or search for a Wichita Real Estate agent who will work hard to help you find what you are looking for. You can even research financing at our financial services page or take virtual tours of homes throughout Wichita and surrounding areas. If you are considering -- selling your home, Plaza Real Estate, Inc. has over 130 sales associates , any of whom will help ensure the sale of your home for the best possible price, and in the most efficient way. Or, you may be curious how much your home is worth. We'll provide you with a free home value estimate customized to the Real Estate Market in Wichita . Plaza Real Estate, Inc. | Corporate HQ (316) 686-7121 | + site design md
Land Loan Tools
Indymac Bank Construction Lending Indymac Bank home | about us | contact us | privacy | ID notice | security | careers 1-800-HCL-LOAN (425-5626) HCL for Individuals Main Page Get To Know Us Get Started Now! My Project Application My Loan Information Loan Products · Construction-to-Permanent Loan · Remodeler Loan · Bridge Loan · Lot/Land Loan Tools · Line Item Budget Calculator Find A Builder -- · Cost To Build Calculator -- Event Calendar -- Help · FAQs · Glossary Customer Service -- · Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.
BUY PROPERTY IN TURKEY
British Embassy, Turkey Settle, Work or Buying Property in Turkey Short cut.. Contact Us Doing Business with the UK Events Foreign & Commomwealth Office HM Ambassador Passports Services for UK Companies Travel Advice Visas What the consul can and cannot do for you Using mobile phones Consular Registration Form Online Consular Registration Britons applying for residence in Turkey Consular Fees Notarial Acts Marrying in Turkey Settle, Work or Buying Property in Turkey Birth Registration English speaking lawyers Hospitals in Turkey Complaints Overseas voter registration REQUIREMENTS FOR BRITISH NATIONALS WISHING TO SETTLE, WORK OR BUY PROPERTY IN TURKEY UK Nationals who wish to visit Turkey for less then 90 days may obtain a tourist visa by presenting a valid UK passport at any of Turkey's ports of entry. A £10 visa fee, payable in cash only, is the only requirement. All other UK nationals who plan to stay in Turkey for more than 90 days must first obtain the appropriate visa from a Turkish Embassy or Consulate prior to arrival. Please access the Turkish Embassy website: www.turkconsulate-london.com for more information. RESIDENCE IN TURKEY (a) Residency Permits are obtained AFTER arrival in Turkey. Formal application must be made to the police authorities of the province in which you reside, or to the Aliens department of the Police in Ankara, if no fixed abode in Turkey is intended. HOWEVER, well BEFORE your departure from the UK, you should contact the Turkish Embassy in London for information on requirements for residency and for information about importation of your household goods or car. Please access the website www.turkey.org/consularservices/forms/. for further details. (b) A RESIDENCE PERMIT IS AN ABSOLUTE NECESSITY BEFORE YOU CAN CLEAR ANY PERSONAL GOODS/CAR FROM TURKISH CUSTOMS. THEREFORE AN APPLICATION FOR A RESIDENCE PERMIT MUST BE MADE in Turkey within one month from the date of your arrival to Turkey. (c) On first application, residence permits may be issued for a two-year period, thereafter for a maximum of five years at any one time. (d) Please note that recent changes in Turkish legislation relating to the calculation of residence permit fees for foreigners living in Turkey, has resulted in huge increases, based on 50 million TL for the first month and 30 million for each subsequent month. For example, a 2 year, permit currently costs 740.000.000 TL plus a booklet fee of 65.000.000 TL, and a five year permit 1.820.000.000 TL, roughly equivalent to £335 and £785 respectively. The Embassy has written to the Turkish authorities asking for a review, with a view to reducing these fees. EMPLOYMENT IN TURKEY A Work Permit is required for employment in Turkey. These permits are issued by the Ministry of the Interior in Ankara. We again strongly advise those wishing to take up employment in Turkey to contact, before travelling, the Turkish Embassy in London and/or their prospective employer in Turkey about the procedures for obtaining a Work Permit or access the Turkish work permit website www.csgb.gov.tr REQUIREMENTS FOR TURKISH WORK VISAS Companies seeking to employ UK nationals in Turkey must first obtain approval from the Turkish Ministry of Labour and Social Security to hire foreign citizen employees. Prospective employers may obtain application forms for work permits at www.csgb.gov.tr. Completed applications should be returned to the Ministry of Labour and Social Security at Inonu Boulevard No 42, Eskisehir Yolu, Emek, Ankara, Tel: (0312) 296 60 00. Upon approval from the Ministry of Labour and Social Security, the UK national, employment candidate must next apply for a Turkish work visa. Work visa requirements, instructions and application forms are available through the Embassy of the Republic of Turkey website at: www.turkishconsulate.org.uk PURCHASE OF PROPERTY IN TURKEY "FLASH MESSAGE" Current legislation applicable for foreigners, who wish to purchase land or property in Turkey, has been ruled to be unconstitutional by the Turkish Constitutional Court. The amended law, which was presented before the court, has unfortunately been rejected. Therefore, until the law is ratified and approved by the Parliament any applications made by the foreigners to the land registry office will NOT be processed. (as announced by the General Directorate of Land Registry Office on or about 26 July 2005) Unfortunately, we have not been given a time scale when the matter may be resolved. If you have any further enquires the time scale, please contact the local land registry office for updated information. PREVIOUS RULES FOR PURCHASE OF PROPERTY FOR GUIDANCE: DO NOT PURCHASE PROPERTY WITHOUT FIRST CONSULTING AN ENGLISH SPEAKING TURKISH LAWYER FOR BEST ADVICE. The Embassy website: www.britishembassy.org.tr has details or access the Turkish Attorney's Paralegal online www.tapo.co.uk. British citizens may purchase property in Turkey, subject to the following conditions: (a) The property can be paid for in either Turkish lira or foreign currency. There are also no restrictions about the transfer of foreign currency or Turkish Lira from a Turkish or foreign bank. (b) Applications should be made to the District Land Registry office (Tapu ve Kadastro Mudurlugu), when a suitable property for purchase is found. A recent change in Turkish legislation (i.e. on 19 July 2003) now permits foreigners to buy a property outside the boundaries of a municipality, i.e. council district (Belediye) and within a village or rural area. However, it is still necessary to obtain permission from the Military, prior to purchase. Note: Turkey and the UK have a bilateral agreement to avoid double taxation. Tax of the property in Turkey is payable to the Turkish tax authorities as the relevant law requires. INVESTMENT IN TURKEY 5. Prospective Investors, requiring information about the Manufacturing and Service Sectors may contact British Trade International, Turkey Trade Unit, Kingsgate House, 66-74 Victoria Street, London, SW1E 6SW, Tel: +44 (0) 207 215 5000, email: mick.essex@dti.gsi.gov.uk or www.tradepartners.gov.uk. You may also contact The Turkish Authority responsible for foreign investment in Turkey, the General Directorate of Foreign Investment (GDFI): Hazine Mustesarligi, Yabanci Sermaye Genel Mudurlugu, Inonu Bulvari, 06510 Emek - Ankara, Tel: +90 (312) 204 60 00, Fax: 90 (312) 212 8916 email: ybsweb@pm.treasury.gov.tr or www.hazine.gov.tr/english/ybsweb/index.htm. Other web sites you may find useful; - The British Embassy, Ankara, Turkey www.britishembassy.org.tr - Prime Ministry, Undersecretariat of Foreign Trade www.foreigntrade.gov.tr - Prime Ministry, State Planning Organisation www.dpt.gov.tr - Foreign Economic Relations Board www.deik.org.tr - Association for Foreign Capital Coordination www.yased.org.tr - Privatisation Administration www.oib.gov.tr - Turkish Attorneys Paralegals Online www.tapo.co.uk/real estate law/default.asp Those wishing to establish a business in Turkey should consult a Turkish lawyer. Details of English speaking lawyers for Ankara, Istanbul and Izmir are available at the Embassy web site. THIS LEAFLET HAS BEEN PREPARED BY HM CONSUL IN ANKARA FOR THE CONVENIENCE OF ENQUIRERS. ALTHOUGH ALL CARE HAS BEEN TAKEN IN ITS PRODUCTION, NEITHER HER MAJESTY'S GOVERNMENT NOR ANY CONSULAR OFFICIAL IN THE BRITISH EMBASSY IN ANKARA TAKE ANY RESPONSIBILITY FOR ITS PRECISE ACCURACY OR FOR THE CONSEQUENCES OF ANY ACTION TAKEN IN ACCORDANCE WITH ITS CONTENTS. Consular Section British Embassy Ankara – August 2005