Rental Property If you

Tax Deductions for Rental Property Home | About Us | Office Locator | Tax Resource Center | Investor Relations | FAQ | Contact Us | Site Map Tax Resource Center Tax Forms Tax Changes Tax Tips Deductions@Work Tax Calculators Tax Links What to Bring Checklist Top 50 Overlooked Deductions Top Overlooked Credits Tax Topics Disasters and Casualties Tax Education Tax Glossary Tax Trivia for Tax Year 2005 Home : Tax Resource Center : Tax Topics Rental Property If you own rental real estate, you should know how it impacts your personal tax return. Rental income must be reported on your tax return, and generally, associated expenses can be deducted from your rental income. Reviewing answers to the following common questions regarding rental property may help you understand the tax implications of rental property ownership: What is considered rental income? What deductions can I take as an owner of rental property? What are some things I should know about rental property? Contact your local Jackson Hewitt office for more information or assistance. Use the Office Locator feature available on this Web site or call 1-800-234-1040 to find the Jackson Hewitt location most convenient to you. What is considered rental income? Rental income is any income you receive for the use or occupancy of property you own. Some examples are: Rent Payment to cancel a lease Advance rent Expenses paid by the tenant Any security deposit kept because a tenant did not fulfill their part of the rental agreement Do not include: A security deposit you are holding with the intent of returning it to the tenant at the end of the lease Income received from renting your home for fewer than 15 days per year Back to Top What deductions can I take as an owner of rental property? Deductible expenses for rental property are the ordinary and necessary expenses to manage, conserve, and maintain your property. Deductible expenses include: Advertising in the newspaper for tenants and cost of signs Cleaning supplies Real estate taxes Mortgage and other interest paid for the rental property Cost of insurance-hazard, flood, fire, or liability Payments for service such as lawn care, pest control, and trash collection Payments for maintenance of the property Professional fees for tax advice and tax return preparation fees for the part of the tax return dealing with rental property Cost of new locks and keys Commissions paid for finding tenants Cost of necessary transportation to and from the rental property for the purpose of maintenance, management, rent collection, picking up supplies, or checking the property (if you use your personal vehicle, either keep track of actual expenses and miles traveled or just the miles traveled) Cost of repairs and maintenance (not improvements) to keep your property in good condition (this includes items such as repainting and fixing floors and windows) Cost of renting equipment used for the rental property Depreciation of the property (not including the land) Depreciation of appliances, furnishings, and improvements Any long distance calls associated with your rental property The court costs for evicting a tenant Legal fees pertaining to the rental property or tenants Utilities Expenses incurred when the property is not rented as long as you are actively trying to rent the property (even if you are renting it for the first time) You cannot deduct: Rental income lost due to vacancy The cost of improvements which increase the value and/or extend the life of the property or modify it for a new use (includes such things as a room addition, new carpet, new appliances, fencing, or a new roof - these items can generally be depreciated) Back to Top What Are Some Things I Should Know About Rental Property? If you rent only part of your property, certain expenses must be divided between the part used as rental property and the part used for personal purposes. If you do not rent your property for profit, you can deduct your rental expenses only up to the amount of your rental income. When rental property is sold, the resulting gain or loss is treated as ordinary or capital, depending on the circumstances. The rental of personal property such as equipment or vehicles is reported as business income. You are in the business of renting personal property if the primary purpose for renting the property is income or profit and you are involved in the activity on a continuous and regular basis. If your rental of personal property is not a business, other rules for reporting will apply. Losses from residential rental properties are subject to certain limitations. If you are considered a real estate professional, special rules apply for the reporting of income and losses. For more information, contact your local Jackson Hewitt Tax Service office. Back to Top Back to Tax Topics Tax Tips CASUALTY AND THEFT LOSS - AUTO If you have been involved in an automobile accident, the damage to your car may be considered a casualty loss. This would apply if the loss were not due to your negligence or the negligence of someone driving your vehicle. The loss must first be reduced by any insurance or other reimbursement plus $100, and then by 10% of your adjusted gross income. home | about us | tax news | tackle your taxes | learn & earn | own a franchise | work with us | privacy/terms of use © 2004 Jackson Hewitt Inc. All rights reserved.

real estate investing Being

Getting real about real estate investing - Nov. 17, 2004 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places Getting real about real estate investing Being a landlord can be profitable -- or a big headache. Take some advice from these investors. November 17, 2004: 4:03 PM EST By Jon Birger , MONEY Magazine. Additional reporting by Joan Caplin and Amy Feldman. NEW YORK (MONEY Magazine) - Successful real estate investors sometimes make what they do sound almost too easy. "Rentals freed me from ever having to get a job again," says Orlando Rodriguez, a 38-year-old San Antonio landlord who makes about $100,000 a year off the 90 apartments he owns. "I'm a high school dropout -- seventh-grade dropout, actually -- so my story should tell people this isn't rocket science." Yes, landlording isn't science (which is not to say it isn't often a lot of hard work), but if you're willing to put in the time and effort, buying and operating rental properties can pay off big. Try this math on for size: You purchase a $100,000 condominium with $30,000 down and a $70,000 mortgage. If the condo rents for $1,200 a month, your net profits -- after costs such as mortgage, maintenance and property taxes -- should be in the $2,000-a-year range. Conservatively invested, that sum should earn enough to pay off the entire mortgage within 14 years. You'd have turned $30,000 in equity into $100,000, even if rents didn't go up and property values didn't appreciate. Factor in 4 percent annual rent increases and price appreciation, and the property's net value to the owner would be closer to $200,000. A stock fund would need to return 15 percent a year for 14 years to beat that performance -- and funds don't give you any of the tax breaks that can come with being a property owner. The key thing to remember, though, is that buying rental properties is not for point-and-click investors. Even landlords who hire out the plumbing, painting and rent collection to contractors and management companies typically make a big time commitment. Rick Lionhardt of Dallas, a 55-year-old retired telecom worker, owns 33 properties with wife Helen, 49, a secretary. Even when he was working full time, Lionhardt says, he spent 70 to 80 hours a week on real estate. "I'd make calls during lunch and drive around at night looking for more things to buy." For the first-time landlord, there is plenty to learn -- about taxes, financing, dealing with difficult tenants -- and usually there are many mistakes to be made. The payoff can be terrific though, even for investors who own just one or two properties. Doing it right will get you extra income now and a valuable addition to your retirement nest egg down the road. What does "doing it right" mean? Read on for some key tips and secrets -- as well as pitfalls to avoid -- from successful investors who had to learn the hard way. Know how to take your market's temperature. When considering a rental property, your top concern should be whether you can make money renting it out now, not how much its price might appreciate in the future (although that's important too). All you're doing is speculating on real estate prices if you're shelling out more than you're taking in -- and that can be dangerous, especially if you're doing it with borrowed money. "You never want to buy a property where every month you have to feed it," says Neil Binder, co-founder of New York City's Bellmarc Realty. So before you buy, add up your projected property taxes, mortgage payments and maintenance costs, and make sure the total is less than your expected rental income. Experienced real estate investors say they generally look to pay anywhere from 45 to 85 times monthly rent for a property. That means annual rental revenue should be about 15 to 25 percent of the property's value. Finding places with those kinds of yields can be difficult. Take California, probably the most bubblicious market in the country. A condominium renting for $1,200 a month in Southern California sells for $350,000 today, according to veteran California real estate investor Bruce Norris. A $1,200-a-month condo in the Dallas/Fort Worth area can be had for $95,000. To a landlord, that's the difference between an annual return on investment of 4 percent vs. 15 percent. Mortgages and home equity loans Search for rates from hundreds of lenders. No points only Select Loan: Select a Mortgage 15 Yr Fixed Jumbo - $385K 15 Yr Fixed Conforming - $165K 30 Yr Fixed Conforming - $165K 30 Yr Fixed Jumbo - $385K 1 Yr ARM Conforming - $165K 1 Yr ARM Jumbo - $385K 3/1 Yr ARM Conforming - $165K 3/1 ARM Jumbo - $385K 5/1 Yr ARM Conforming - $165K 5/1 ARM Jumbo - $385K 7/1 Yr ARM Conforming - $165K ARM Jumbo - $385K State: Select State Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington DC Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming "The only reason you'd be a California landlord at today's prices is because you're expecting price appreciation," says Norris, who thinks prices in the state are due for a fall. "Monthly cash flow would be almost impossible to achieve without an enormous down payment." Another tool experienced investors use to measure the profitability of a market is price-to-rent -- that is, the ratio of median home price to annual rent for three-bedroom homes. The bigger the number, the less likely you are to make money as a landlord. California has a price-to-rent ratio of 25 these days, the highest in the country. Hawaii (23) is second from the top, and Massachusetts (19) is third. Far more inviting to investors are states like Delaware, Missouri, Texas and Vermont, where the price-to-rent ratios are 11 or 12. For more information on median home prices and market rents in your area, visit realtor.org and huduser.org . Find smart ways to cut your financing costs. Borrowing to buy real estate as an investment is more expensive than borrowing to buy a home. Lenders generally think they are taking more of a risk on buildings that the owner doesn't live in. Consequently, the interest rates they charge tend to be 0.5 percentage points or more above those for traditional home mortgages. Not only that, but borrowers need excellent credit scores to qualify for the lowest rates. In addition, the minimum down payment is usually 20 or 25 percent, instead of the 10 percent for standard home mortgages. There are a couple of ways around the higher rates and steeper down payments. To qualify for a traditional mortgage, you are required by most lenders to live in the property for a minimum of one year. But there's nothing stopping you from buying a home or a condo with a traditional mortgage, living in it for a year and then renting it out afterward. YOUR E-MAIL ALERTS Mortgages Personal Debt Real Estate Loan Markets or Create your own Manage alerts | What is this? If the down payment rather than the rate is the stumbling block, ask the seller whether he's willing to self-finance the mortgage. With owner financing, the buyer signs a promissory note in which he agrees to make his mortgage payments directly to the seller. In exchange for forgoing a down payment, the seller typically gets a premium rate -- 8 to 10 percent, perhaps. Why would a seller take the additional risk implicit in skipping the down payment? "It's a lot faster to sell a house owner-financed than conventionally," says San Antonio landlord Rodriguez. (There are also brokers who buy owner-financed notes from sellers who want their money up front.) Click here to learn about interest-only mortgages and some of their advantages. Learn to take advantage of the many tax breaks. For tax purposes, what you make in rent is generally taxable as regular income. Real estate taxes and mortgage interest on an investment property are fully tax deductible though. Operating expenses such as utilities, insurance, repairs and condominium common charges are also deductible. So are rental fees paid to brokers, although they must be spread out over the life of the lease. Even better, the federal tax code entitles rental-property owners to a depreciation deduction even though housing prices usually go up, not down, over time. (There are, however, numerous conditions and catches, which is why it is essential to consult a tax adviser before you invest a cent.) Anticipate problems (they will be numerous). Reliable, prompt-paying tenants do up and leave suddenly. Minor leaks have a way of becoming expensive repair jobs. That's why it's smart to line up inspectors and contractors before you buy. And why it's important to establish rainy-day funds. Two or three months' rent is usually -- but not always -- sufficient. Just ask Marla Renee, a 55-year-old semiretired hairdresser who owns six rental properties in the Detroit area. Five years ago Renee bought a run-down duplex for $28,000. She figured the house needed $10,000 worth of work, but three months later the tally was nearly three times that. "The last tenant had turned on the water on purpose and flooded the whole place," she says. "The floor, ceiling and walls were all messed up." Finally, don't skimp on fees should you decide to hire a management company to tend to your rental property. The typical fee is 5 to 10 percent of rental income. Experienced landlords say it's not worth it to be cheap: Property managers often work harder to fill vacancies and to maximize rent when they are better compensated. Put potential tenants under the microscope. Picking tenants may ultimately be the most important real estate decision you make. This is where listening to the voices of experience really pays off -- although you should be discreet about how you apply their lessons. Elderly people are better tenants than college kids, as everyone knows, but in many states, landlords acting on that type of common sense judgment would be running afoul of fair-housing laws. Michelle Bizik, 35, of Lake Ariel, Pa. owns two small apartment buildings with her husband Goran, 30. For the most part, they've had lots of success finding good tenants. They require potential renters to provide Social Security numbers, ostensibly for criminal and credit background checks (which are a good idea), but Bizik says it's more about renters proving to her that they have nothing to hide. She also checks references with employers and prior landlords. If prospects pass those tests, she and her husband always meet them in person. "I need to get a vibe off of them," she explains. These are all good ideas for screening tenants. Here are a couple more. When checking references, don't stop with the most recent landlord. Contact the second or third most recent as well. "The current landlord may just want him out of the property," says Ellis San Jose, a 39-year-old real estate investor from Los Angeles. Also, consider making an unannounced visit to the prospect's current residence. Marcia Glantz, a Coldwell Banker broker for 27 years in Yorktown, N.Y., says, "Explain that your house is important to you, and that you want to get a sense for how they live." Saying no can be tough when a vacancy is burning a hole in your wallet. Stay strong. The one time Michelle Bizik caved proved to be a big mistake. "We were both against him," she recalls, "but the apartment was empty and he was a friend of another tenant." Soon after the guy moved in, his pregnant girlfriend, five cats and two friends did too. And he was late with the rent. "All the tenants were complaining," Bizik says. "The hall smelled like cat urine. The music was so loud, tenants were calling me at 11 o'clock at night." The Biziks offered to pay him to leave. He declined, so they had to go through the aggravation and expense of having him evicted. Think about investing in REITs instead. If you want to buy into real estate but don't want to deal with all the headaches that can come with managing it, you may want to consider a real estate investment trust (REIT). These are publicly traded building-management companies that pass the bulk of their earnings on to shareholders in the form of hefty dividends. That makes them a great choice for retirees and other income-hungry investors. One catch is that REIT dividends are taxed at higher rates than regular corporate dividends. REITs offer several advantages over buying properties on your own. First, there are economies of scale: On a per-square-foot basis, REIT maintenance costs are much lower than those of most individual landlords. The management expenses of a typical REIT are only 0.5 percent of total assets under management, says Russell Platt, manager of the Dividend Capital Realty Income fund. Another plus is diversification, since REITs typically invest in many markets and sometimes different types of property -- residential, commercial and retail. And finally, there's liquidity: You can sell a REIT whenever you want, and your brokerage commission will be a drop in the bucket compared with the 6 percent charged by most real estate brokers. A conservative REIT bet would be Equity Residential Properties ( Research ), run by Chicago mogul Sam Zell. Equity Residential is the nation's largest landlord, which makes it something like an index fund for apartment buildings. Earnings have taken a hit lately owing to, among other things, the Florida hurricanes. But occupancy rates have been ticking up, and Equity Residential still offers a juicy 5.1 percent dividend yield. A more aggressive play is Archstone-Smith Trust ( Research ), an apartment building owner with a big presence in suburban Washington, D.C. and other East Coast markets. Archstone-Smith also has a dividend yield of 5.1 percent. The company has profits from condo conversions, and high occupancy rates, which put it in a good position to raise rents. And that's a very nice position for any landlord to be in. --* Disclaimer Try an issue of MONEY magazine - FREE! More on REAL ESTATE • How to buy and build on rural land • Most overvalued housing markets • When booms go bust... TODAY'S TOP STORIES • Most overvalued housing markets • Risks to the economy in 2006 • Which was the worst ad of all in 2005? CNN Money contact us | subscribe to Money magazine advertising -- | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business 2.0 | Time © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. 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MSN Money - The hazards of some home-equity loans MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend See where rates stand Calculate your debt burden here Find a home-equity loan Find books on home buying Find It! Article Index Finance Q&A Tools Index Site Map Don't get fooled by the "special programs" offer mentioned in advertisements. Today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Recent articles by Terry Savage: • How to limit divorce's financial sting , 1/5/2003 • 5 financial steps to help your aging parents , 1/5/2003 • Prepare for the unthinkable: long-term care , 1/5/2003 More... The Basics The hazards of some home-equity loans advertisement What looks like an easy way out of debt could one day put your family out on the street. Get the facts behind those enticing ads for 125% home-equity loans before you put your home on the line. By Terry Savage What looks like a great deal, but could turn out to be the most devastating financial decision of your life? It's when you consolidate credit-card debt by taking out home-equity loans for more than the value of your house, sometimes for up to 125% of the home's value. Unlike traditional home-equity loans that rely on the equity you've built up in your home, these loans aren't tax deductible and usually carry higher interest rates. Find a loan that's right for you at the Loan Center By television, direct mail and now by e-mail, lenders are pushing you to consolidate your credit-card debt by borrowing on your home. Here's the text of an actual e-mail I received recently: Consolidate Debt, Refinance Your Home or Put Cash In Your Pocket! We Have Special Programs with rates starting as low as 2.5% APR 7.22% Special Programs for Self-Employed Borrowers Previous Bankruptcies or Foreclosures OK!! Debt Consolidation - pay off high-interest debts and get the cash you need Second Mortgages - get 125% of your home's value. The television commercials make it look easy and enticing. A top athlete, like quarterback Dan Marino, offers you the chance to cut your monthly payments, pay off your credit cards and take out extra cash to remodel your kitchen or go on a vacation. But think twice. It's important to understand the risks, as well as the attraction, of those lower monthly payments. For some, this is the way to go For many people, a home-equity loan is indeed the smart way to borrow. The interest rate is typically lower, and the interest is tax deductible. Plus, home-equity loans are amortized over about 15 years vs. about four years for credit cards. That means the monthly payment on a home-equity loan is far lower than a minimum required credit-card payment. For example, if you owe $10,000 on your credit card at 15%, you'll probably have a monthly payment of $278. But the same amount owed at 15% on a home-equity loan that's amortized over 15 years results in a monthly payment of only $140. The more you owe, the more enticing a home-equity loan looks. At $20,000 in debt in the same scenario, the home-equity loan costs $280 a month, while the credit card and/or auto debt requires a $557 monthly payment. The trouble comes when people borrow all their home equity to pay off their debts, but they haven't learned how to manage their money well enough to avoid running up credit-card debts and auto-loan debts again. In fact, the lenders have a name for this process: It's called "reloading." Then, if the economy slows or one of the breadwinners loses a job, the next time you get into credit-card trouble, you could actually lose your house. Statistics from the Mortgage Bankers Association underscore the problem. The percentage of homes foreclosed in 1998 was 1.16%, about double the rate of the terrible recession years of the early 1980s, when 0.59% of homes were in foreclosure. The rising foreclosure rate comes even as bankruptcy rates remain high, with 1.2 million filings in 1999. But as people try to avoid bankruptcy, they're increasingly taking out home-equity loans to pay off their other bills. As a result of those home-equity loans (and new mortgage programs designed to help people buy homes with down payments of less than 5%), Americans have a lower percentage of equity in their homes than at any time in history. Essentially, an unsecured loan The real kicker comes if you borrow past the value of your home. Unlike home-equity loans, these loans usually are not considered tax deductible. The law says that all interest on a first mortgage (of up to $1 million) is deductible. And interest on up to $100,000 of a second mortgage or home-equity loan also is deductible. By law, interest on any part of a loan that exceeds 100% of the value of your home is not deductible. In addition, lenders typically charge higher rates, because you've essentially taken out an unsecured loan. An unsecured loan means there is no collateral in case you default on the loan. A mortgage for up to the value of your home is "secured" by the home itself. Many lenders charge interest rates seven or eight percentage points higher than traditional mortgages. In some cases, that's twice what you'd pay for a regular mortgage or home-equity loan. Don't get fooled by the "special programs" offer mentioned in advertisements like the one I mentioned earlier, either. They're either introductory loans, which require large "balloon payments" several years later, or adjustable rate loans in which the rates -- and the payments -- can increase every year. As long as the loan is repaid, it's very profitable. And the lenders know that paying off mortgage or home-equity loans takes a high priority in a consumer's mind, so the default rate is far lower than on unsecured credit-card lending. SMR Research, a financial industry market-research firm, reports that about 30% of all home-equity loans are sub-prime. That is, these are loans made to borrowers who are considered a poor credit risk -- the very people most likely to be caught in the crunch when the economy turns down. Bankruptcy: the only escape The greatest danger for those who fall for this pitch is the fact that they've put their home on the line. If they fail to make the payments, the lender can force the home to be sold in a foreclosure proceeding. The grantor of the original mortgage must be paid off first; then the home equity lender collects what's left from the sale price. And if there's not enough equity to repay the home equity lender, a default judgment will be entered against the borrower for the difference. The only escape is bankruptcy. The generation that went through the Great Depression of the 1930s learned the hard way not to borrow against the family home. So many people lost their homes that by 1935, banks categorized 20% of all mortgages as "real-estate owned" -- that is, foreclosed. But today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Rising home prices have tempted homeowners to count home equity as a source of ready cash. But that kind of home equity borrowing should only be done as part of an overall financial plan and a disciplined approach to money management. Otherwise, today's easy way out of debt could one day put your family out on the street. Editors' choice Don't get scammed by your mover Safeguard your Social Security number 5 ways to tap into the onshore drilling boom Your checkbook just became obsolete Turn $1 a day into $67,815 Readers' choice Ratings Top 5 Articles 9.30 Zombie debt collectors dig up your old mistakes 9.24 Keep thieves out of your bank account 9.22 Credit reports now free for entire U.S. 9.19 10 ways to avoid outrageous hospital overcharges 9.17 Tax breaks for Katrina victims -- and all of us View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. 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Real Estate Agent License

Real Estate License Preparation Tutoring Program Real Estate License Preparation Software for all 50 states, DC, Puerto Rico, Virgin Islands with Legal Aspects & Office Practices Practice online at home, in the office or on the road Included FREE all: Study Guide For All Subjects, All Ages Agents: Workplace Assessment Questions Brokers: Income Property Evaluation Program Use this top-rated Real Estate license preparation software for: Acing Course Quizzes, Midterm Tests, and your Final Exam for Agent (Realtor) Broker Mortgage Broker or Loan Officer Buying and selling your own or a relative's home – FSBO (For Sale By Owner) Effective Training and Sales Team Evaluator for the Office Manager . To find out how you can secure your copy of this essential and valuable program explore our comprehensive Web site by first clicking here: Specific States: Alabama Arizona California Florida Georgia Illinois Louisiana Mississippi New York North Carolina Ohio Pennsylvania Tennessee Texas Washington (State) All other states: (The user selects a state during registration) License Preparation for Real Estate Agent License Preparation for Real Estate Broker License Preparation for Realtor License Preparation for Mortgage Broker or Loan Officer License Training & Evaluation Tool for the Sales Team And don't forget to Experience our interactive live demonstration What you see is what you'll get For Your Privacy: We do not sell customer lists and we do not share customer e-mail addresses with outside companies. Amelox Incorporated P.O. Box 2573 Sunnyvale, CA 94087-0573, U.S.A. Comments? Questions? us. For Your License Exam Preparation the Amelox College Tutor delivers results site map about us FAQ writing jobs Best viewed with 800x600 pixels and higher resolutions.

Real Estate Banner Network

Real Estate Banner Network, Real Estate Directory Reals.com Find Link Partners Classifieds Traffic Packages New User? Sign Up Create Username Create Password Comfirmation Password Email Address Banner URL Site URL Already a Member? Sign In Username Password Forgot your password? Email Address Increase traffic to your site. Join the Real Estate Banner Network and advertise your site for free! Real Estate Banner Network is a free service designed to help Real Estate web sites trade advertising with each other. When you place the Real Estate Banner Network HTML code on your web page, you can immediately earn exposure for your advertising banner on other sites in the Real Estate Banner Network. As your banner is shown elsewhere, visitors will be exposed to your product or service and click-through to your website. We accept only Real Estate related web sites. Display ratio of 2:1, 3:2 and 1:1 for Quality Placement Browse Real Estate Directory Agents & Brokers Apartment & Rental Appraisal Commercial Construction & Builders Consultant Directories & Guides Escrow & Title Service Finance and Mortgage For Sale By Owner Foreclosure Golf Property Home & Garden Inspection Insurance International Land Legal Luxury Home Mover & Relocation New Home News & Media Notaries Planned Community Property Listings Property Management Resort Support & Supplies © 2003-2005 Real Estate Banner Network All Rights Reserved. See Also : RealEstate4.com | LinkRE.com | iRealEstateDirectory.com | RealEstateYellow.com