Denver Real Estate Agent

Denver Residential Real Estate Agent, Colorado Listing, Agency, CO, Denver Area Real Estate Welcome to Rick Lingg's Denver Colorado Real Estate Company. Search Our Denver Area Real Estate Home Directory Featured Properties: Cliff House Lodge Westminster Colorado Real Estate Property Real Estate Communities Served in Colorado: Denver, Denver Northeast, Denver Southeast, Denver Southwest, Denver Northwest, Downtown Denver, LoDo, Lakewood, Golden, Genesee, Lookout Mountain, Evergreen, Morrison, Ken Caryl, Littleton, Broomfield, Westminster, Arvada, Wheatridge, Northglenn, Thornton, Federal Heights, Aurora, Parker, Castle Pines, Highlands Ranch, Cherry Creek, Cherry Hills, Country Club, Capitol Hill, Park Hill, Hilltop, Crestmoor, Mayfair, Montclair, Green Valley Ranch, Washington Park, Englewood, Glendale, Highlands, Greenwood Village, Denver Tech Center, Cheeseman Park, Curtis Park, Stapleton, Lone Tree, Applewood, Golden Triangle, Riverfront, Platte Park, Columbine. Profile : Dedicated to “Million Dollar Service” in all Price Ranges! ServingBuyers and Sellers by Referral Thru-Out the Entire Metro Denver Area, including The Foothills, for Nearly 15 Years! A Resident of Denver since the Early 1970’s, and Very Familiar with All Areas from Central to Surrounding, from New Construction to Denvers’ Oldest Homes. Consistent Award Winning Results including Sales Leader, Listing Leader. Quarterly Best, International Diamond Society, International Sterling Society, Presidents Club, and the Denver Board of Realtors Million Dollar Roundtable. An Accredited Relocation Specialist, Certified Residential Referral Specialist, as well as Marketing, Relocation, and Corporate Inventory Specialist. A Member and Dedicated Volunteer with the Denver Metro Chamber of Commerce, Serving and Supporting Our Community Nearly 15 Years. Awarded Numerous Certificates of Appreciation for Outstanding Contribution to the Chambers’ Development. Served as Chair Elect, and Co-Chair of the Chambers’ Ambassador Club, Ambassadors Club Team Leader, Ambassadors Club Volunteer, Leads Group President, Leads Group Vice President. Served on Membership Council, Numerous Other Councils and Committees, and Nominated Numerous Times for Chamber Champion Awards. Dedicated Connection to the Denver Community, as well as Experienced, Honest, Professional Service, will Result in a Smooth Transaction that will Far Exceed Your Expectations…. Experience The Difference… Rick Lingg - Denver Real Estate Agent Denver Chamber Member & President of the Denver Chamber Ambassadors Club Senior Broker Associate Board of Directors "Give Lingg a Ringg!" Phone: 303-274-1680 ricklingg@comcast.net Enter Site Other Sites...

Home Loan

Current Mortgage Rates and Today's Loan Information from HSH Associates Lenders and Rates | Loan Rates Index | Loan Statistics | Calculators | Library | ARM Indexes | Free Content "") thensession("searchfor") = request("searchfor")end if% -- Search our Website Any Word(s) All Word(s) The Library Statistics ARM Indexes Calculators Entire Site Find a Loan "A" Credit Mortgage Interest Only Lenders B-C-D Credit Mortgage Commercial Loans Construction Loans Home Equity Loans Calculators Payments Credit Grade Prepayment MoneyToys Calculators Lots More Here! Download our Homebuyers Calc! Calcs for your Website... Advice and Articles Commentary / Forecast Helpful Article Library Book and Tutorials Question of the Day Mortgage Stats Daily Weekly Metro Rate Forecast Graphs Hybrid Arms More... ARM Indexes Latest Values LIBOR Prime Fed Funds Graphs Archives Data Stream Delivery Daily Index Update Service More... Consumer Products Home Buyers Mortgage Kit Refinancing? How-To Booklets Rates From Our Survey Rates for Websites Insurance Insurance Agencies Professional Products Stock Surveys Custom Surveys Index Update Service Web Service Feeds Helpful "Guide To" Booklets Learn About Home Equity Loan Fees & Qualification Prepaying Your Loan Guide to Refinancing About HSH® Our Company In The News Media Releases Professional Research Our Clients Internet Services Feedback about HSH Our 26th year! Since 1979, the nation's trusted resource for mortgage rates, news, and advice. || Today's Mortgage Rates || || Weekly Market Commentary || Weekly Mortgage Statistics || Newest Articles: -- Need a Mortgage , Home Equity , Commercial , or Construction Loan How can we help you? Good Credit - Mortgage Special! Good Credit Interest Only Mortgages Bruised Credit - Mortgage Home Equity Lines or Loans Commercial Loans Construction Loans Find Current Mortgage Rates From Your Area! Perfect Credit By State Bruised Credit By State Quick Links to Popular Articles: New! A Negative 'Option' Explained (with graphs) New! Thoughts on Mortgage Risk, Housing Bubbles and Market Perceptions The Principal Facts of Interest-Only Mortgages What Moves Mortgage Rates? Reverse Mortgage Information What You Should Know About Home Equity Loans Prepaying Your Mortgage for Fun and Profit Average Selected Closing Fees and Charges What You Need to Know About Adjustable Rate Mortgages -- Want more? Visit our Library ! Consumer Loans Calculators Mortgage Stats ARM Indexes Find our Homebuyer's Mortgage Kit and more in our Consumer Catalog ! Home Equity Info View Rates & Terms from our nationwide survey! Advice & Articles About HSH® Surveys & Professional Services LiveEdit SM Login HSH® Associates, Financial Publishers 237 West Parkway Pompton Plains NJ 07444 800-873-2837 973-617-8700 E-mail link We respect your privacy . Updated Rates & Indexes Want to receive the free HSH Weekly Market Trends newsletter? Click here to subscribe! See current rates from HSH's editorial survey ---What's New--- The 2006 conforming loan limits have been announced ! New free content: ARM index graphic for your website. Get it now ! Updated! Strategies you can use when rates are rising New! Have you got your free credit reports yet? Changes in Single Family Home Prices (2Q05) Tell us what you think about proposals regarding mortgage fees that could impact what you pay HOT! Feature our Credit Grade Calculator on your website! Free Content! Get Daily Mortgage Averages, Home Equity Line and Loan Averages, New and Used Auto Averages and calculators for your site! On the latest move by the Federal Reserve The Principal Facts of Interest-only Mortgages Answers to your questions about Piggyback Mortgages Here's a list of HSH's booklets & tutorials . Think you want an Adjustable Rate Mortgage? Learn how ARMs work ! Are you a savvy mortgage shopper? Check out HSH's survey of your local market ! Thinking of refinancing? Order "A Homeowner's Guide to Mortgage Refinancing" A sample of Average Closing Costs About Us | Site Map | Privacy Policy | Advertising Information | LiveEdit Login | Contact Us © 2005 HSH Associates, Financial Publishers - http://www.hsh.com

Real Estate Agent

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WV Wisconsin, WI Wyoming, WY Metro Area: What's My Home Worth? Find a Home Sell a Home New Home Construction Get Pre-Qualified Home Remodeling Inventing a better way to buy or sell a home RealEstate.com offers you a smarter way to buy or sell a home. We offer a complete set of tools, tips, and resources that you can use as you progress throughout your entire process -- from dreaming of owning a home to moving into a new home of your own. RealEstate.com serves as a personal guide to help you with everything you need along the way! 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real estate investing isnt

MSN Money - The real risks of investing in real estate MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Print-friendly version Send this to a friend Research any REIT Find top-performing mutual funds Sortable database of SEC filings Find stock winners with our screener Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site Map The Basics The real risks of investing in real estate advertisement With prices soaring, real estate looks tantalizing -- but the margin of error is shrinking. Forget the get-rich-quick plans. Pay attention to the numbers. By Kiplinger's Personal Finance Magazine For Derrik Dyka, the biggest obstacle to successful real estate investing isnt a meltdown in property values or tenants who wreck an apartment or dont pay their rent. "Its overconfidence," says Dyka, a 34-year-old Minneapolis investor who turns old apartments into new condominiums. If youre expecting to cash in on the 21st centurys first gold rush without breaking a sweat, it would be wise to take Dykas words to heart. The margin of error for making money in real estate is closing fast. Its not surprising that real estate tempts so many Americans today. Over the past five years, home prices have soared and rags-to-riches tales abound. But so much real estate has become so expensive that Real Estate Research Corp. in Chicago reports that many real estate pros say now is a better time to sell than buy. As San Diego real estate investor Chuck Wise observes about the area where he operates, todays buyers are like "lambs being shorn." Start investing with $100. Explore our new ETF center. Of course, that doesnt mean that all deals are doomed to fail. But it does mean that its time for would-be investors to pay more attention to the perils of owning property, not just the potential profits. Watch your cash flow The most common entree into real estate investing is the single-family house. Investors bought almost one-fourth of all homes sold in 2004, according to the National Association of Realtors. If youre one of those buyers and your income from that property (after taxes) exceeds your expenses by $100 or $200 a month, youre in good shape. But because prices and property taxes are so high in many areas, and theres so much competition for attractive rental properties, its increasingly difficult to find deals that generate enough income to more than cover your expenses -- whats called positive cash flow. In areas such as the leafy suburbs of New York City and Boston, where a modest three-bedroom house can easily cost $600,000, theres no way you can collect enough rent to cover the steep property taxes and payments on a $500,000 mortgage. Figure monthly out-of-pocket expenses of more than $3,000, if not $4,000. The pool of renters who will pay that much is small. Related news and commentary on MSN Money • Nothing quick about getting rich with real estate • Do you have what it takes to be a landlord? • Don't bite off too much house • How to find a good investment property • 7 creative ways to buy your first house • Decision Center: Home financing So be ready to set your sights lower and get your hands dirty. Instead of a well-located home in pristine condition, look for a fixer-upper off the beaten track for maybe $150,000 that you can rent for $1,000 a month. The numbers work if youre willing to spend weekends, say, painting the walls and, if youre capable, making repairs that would otherwise require professional help. The hidden profit from home improvements is why "ugly real estate often makes more money than the nice stuff," says Kelley Pace, head of Louisiana State Universitys real-estate research institute. Mind the cap You can quickly figure out whether a house or condo is likely to generate positive cash flow. For more complex properties, such as a small office building or retail space, check the cap rate, a single number that can tell you if youre overpaying. The cap rate -- cap is short for capitalization -- is a propertys net operating income as a percentage of its price. The figure is real estates version of a bond yield. If a property sells for $500,000 and generates net income of $50,000 (rents minus expenses), the cap rate is 50,000 divided by 500,000, or 10%. The lower the cap rate, the more you pay for each dollar of annual income. In 2000, the average cap rate on commercial property in the U.S. was 10%. Since then, because of relentless price appreciation, the average cap rate has sunk to 8%. That alone suggests that wringing further gains out of commercial property is unlikely. If you want to invest in a commercial property, aim for a purchase price that results in a 10% cap rate. But remember that the cap rate also depends on how much you collect in rent. Ask the broker for details about the tenants leases, including how rents compare with those of other nearby properties and when the leases are up for renewal. The property should come with an information packet that is more like a stock prospectus than a real estate agents fact sheet on a single-family house. If necessary, hire a property inspector. Then take all the information to a lawyer who specializes in real estate. If you have any doubts about the property, walk away. Page 1 of 2 Story continues on next page Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. 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. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

Property Listing

Facts About Your Real Estate Listing Agreement - Home Selling Advice  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > Choose a Listing Agent > Facts About Your Real Estate Listing Agreement - Home Selling Advice Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page Home Selling Tips 10 Steps You Should Take Before You Sell Passing Your Home Inspection Showing Your House to Home Buyers More About Home Selling How to Measure Residential Square Footage Understanding the HUD-1 Settlement Statement Handling a Home Buyer's Deposit Suggested Reading About Contingencies Buyer Possession Before Closing What Stays, What Goes? Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping Real Estate Listing Agreements From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Listing Agreements Aren't all the Same If you are selling your home, and plan to list it with a real estate agency, what type of listing contract will you sign? There are three primary types of listing agreements and each one offers a different level of service, rights, and responsibilities for both the real estate agent and the home seller. Exclusive Right to Sell Listing Agreement The Exclusive Right to Sell is the most commonly used listing contract. As its name implies, it gives the agency the exclusive right to sell your property. You pay a commission to the agency at closing no matter who buys the property, even if you find the buyer yourself. If an agency other than the listing ageny sells the home, the listing agency typically splits its total commission with the second agency. Exclusive Agency Agreement The Exclusive Agency listing contract also gives a specific agency the right to market and sell the property, but with one big difference—the seller retains the right to sell the property without paying a commission if he sells it to a buyer who was not introduced to the property by the agency. The listing agency shares its commission with another agency if the second agency brings a buyer. Open Listing In an open listing, no single agency has an exclusive on selling the property and the owner can sell it himself without paying a commission to anyone. A seller can sign an Open Listing with multiple agencies. If the seller does pay a commission, it's to the selling agency only. No commissions would be shared in an Open Listing scenario. Which Listing Contract is Best? Many agencies will only offer you an Exclusive Right to Sell agreement because it protects their investment. Good real estate agencies spend a great deal of time and money to market and sell their listings. It isn't worthwhile for them to sign an Exclusive Agency agreement, because it leaves you with the option of selling the house yourself at any time during the listing period—even after their marketing efforts are in full swing. There's also the question of which party truly introduced the buyer. Did the buyer come to you because she saw the agency's signs or advertising—and chose to bypass the agent? Sticking with an Exclusive Right to Sell solves that problem. Many agencies will sign an Open Listing, but don't expect any type of marketing from them. If they have a buyer they think might be interested, they'll show it, but they won't spend time and money to push a property that's listed by multiple agencies. More Articles for Home Sellers Things You Must Do Before You Decide to Sell The Importance of Curb Appeal Getting the House Ready to Sell Get Psyched to Show Your Home Should You Offer a Buyer Possession Before Closing? Important disclaimer information about this About site.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews