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MONEY Magazine: Buying property with family or friends - Oct. 21, 2005 Web CNN/Money Home News Markets Technology Commentary Personal Finance Autos Real Estate Real Estate SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Buying property with family or friends Is it a blessing or a curse? The right due diligence makes all the difference. October 21, 2005: 4:10 PM EDT By Gerri Willis , MONEY Magazine Top things to know Are you ready? Lining up cash Picking a team The hunt Closing the deal For sellers only NEW YORK (MONEY Magazine) - John D. Rockefeller once said that "a friendship founded on business...is a good deal better than a business founded on friendship." He might have added: "Except in real estate." That's because some of the most successful real estate companies have started as alliances of friends and family. Orange County, Calif. megadeveloper the Irvine Company was created in the 19th century by James Irvine and his son. Donald Trump's dad Fred taught his Apprentice plenty about the family biz. Chicago real estate guru Sam Zell credits much of his success to his longtime partnership with his college pal, the late Robert Lurie. (Old John D.'s spawn didn't fare too badly either with a family venture in the 1930s called Rockefeller Center.) To be sure, if you're just starting a real estate project, you'll find it difficult to resist the temptation to bring in friends and family as partners and investors. After all, those are the people you know and probably trust the most. But how do you avoid the seemingly inevitable "Dallas"-style dramas? 1. Trust but verify Even if she's your sister or cousin, you should investigate a would-be partner's finances before doing business with her. Handy Web sites like Intelius.com and Public-records-now.com can help you unearth basic background info like tax liens or bankruptcy filings. Ask her to share a copy of her latest credit report. Talk to her former business associates. To avoid ill will, tell her from the get-go that you'll be prying -- and invite her to do the same with your background. If she balks, calmly explain that such precautions will only make for a stronger team, suggests Nicole McAllister of the University of Southern California's Lusk Center for Real Estate. "Remember, this is business." 2. Share a vision It's critical that you and your partners agree to common goals before you buy. Will you renovate that apartment house to a level that would make a Hyatt Regency manager blush? Or do you want to rent the property "as is"? Is the goal long-term cash flow or cashing out quickly? Many partnerships founder on these simple points. 3. Get it in writing Lawyers and their contracts can't prevent every calamity, but a written agreement -- think of it as a prenup before your partnership marriage -- can prevent headaches (and heartaches) for you and the family or friends who invest with you. At the very least, an operating agreement will force you to plan for the unexpected, including death, divorce or a change of mind. You must also spell out exactly what happens if one of your partners wants to sell. Establishing a contingency plan "gets everything on the table," says Philip Davis, a C.P.A. and principal at accounting firm Kauffman & Davis in Boston. "It's like going to a therapist." 4. Hire strangers Unbiased advice is essential for all involved. Brooklyn real estate broker Tammy Shaw knows plenty about the business, but she says she'd never have bought her brownstone with family without professionals at her side. "Build a team ahead of time -- an attorney, mortgage broker or banker, and contractor," she suggests. "They have to be people all of you feel comfortable with." 5. Be an open book Garry Klein, co-founder of real estate fund Highpoint Equities in Scarsdale, N.Y., knows both the hazards and huzzahs of working with friends and family. He started buying real estate nearly a decade ago with his buddy Jeff Gault; family members have been a big source of capital ever since. "The upside is that these people know you and know what you're about; they cut you more slack," he says. "The downside is these are people you're going to see at Thanksgiving dinner." Klein shares thorough, detailed investment results every six months. Ultimately, success depends on your own ability to find good deals and execute. Friends and family can make a newcomer feel more comfortable, but you'll need to adopt professional practices for your effort to really pay off. ____________________ Gerri Willis is host of CNN's Open House. Write her at real_assets@moneymail.com . For more articles on Real Estate, subscribe to MONEY Magazine . The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Follow the news that matters to you. Create your own alert to be notified on topics you're interested in. Or, visit Popular Alerts for suggestions. Manage alerts | What is this?

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Colorado HomeFinder | Arvada Real Estate, Search Arvada Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Arvada Colorado Real Estate - find out first about the newest Arvada real estate listings! You learn about Arvada homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Arvada Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Arvada real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . 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(Please provide your phone number) I have a MEDIUM interest in buying a home, but I just started my search and need to become more familiar with the market. I do not have any definite plans to move at this time. I am just curious about the listings that are currently on the market. I currently: * live in Colorado plan to move to Colorado Your Comments Any additional information that will help us better understand your needs I agree with Colorado HomeFinder Terms & Conditions Just getting familiar with Arvada Colorado real estate? Or, do you know the exact street where you want to live? No matter what stage you are in your Arvada home search, Automated HomeAlert is for you! The latest technology makes finding Arvada homes for sale easier than ever ! Automatic email notification of new listings and access to all the Arvada real estate listings from all the brokerages saves you time - and makes searching for homes fun. You are in control! 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Real Estate Listing :: Gowealthy.com HAPPY NEW YEAR 2006 HOME | REAL ESTATE | TRAVEL | ENTERTAINMENT | PREMIUM CLUB MEMBER LOGIN User ID: Password: Not a member? Register now! Forgot password? WORLD PROPERTIES » Property home » List your property » View property listing DUBAI REAL ESTATE NEWS » Read News » Submit Press Release FREEHOLD GUIDE » General FAQ » Construction Updates » Currency Converter HOME | REAL ESTATE | LISTING property listing Filter Properties by Type All Apartment Duplex Villa Townhouse Beach House Farmhouse Island Retreat Retail Outlet Site Shop For All Sale Rent Re-Sale Bedroom All Studio 1 2 3 4 5 6 6+ Nill Country All Argentina Australia Belize Brazil Bulgaria China Dominican Republic Egypt France Greece India Lebanon Malaysia Mexico Morocco Pakistan Panama Portugal Singapore South Africa Spain Switzerland Turkey United Arab Emirates United Kingdom United States Uruguay Yugoslavia First Previous 1 2 3 4 5 6 7 Next Last Name Herdade Monte - a house with 11 bed-rooms Type Farmhouse Property for Sale Bedrooms 6+ Area 8,000,000 Sq.M. Price AED 7,500,000 City Arraiolos Country Portugal » More details » Property enquiry Name Small hotel/loft new refurbished with nine rooms in the Swiss mountains Type Villa Property for Sale Bedrooms 6+ Area 1,000 Sq.M. Price USD 1,350,000 City Matt Country Switzerland » More details » Property enquiry Name Freehold Hotel and Beach Club Type Site Property for Sale Bedrooms 6+ Area 4,500 Sq.M. Price EUR 9,500,000 City Tangier Country Morocco » More details » Property enquiry Name Hotel and Beach Club Type Site Property for Sale Bedrooms 6+ Area 4,500 Sq.M. Price EUR 9,500,000 City Tangier Country Morocco » More details » Property enquiry Name Beautiful villa on the med sea in tangier Type Villa Property for Sale Bedrooms 4 Area 953 Sq.M. Price EUR 500,000 City Tangier Country Morocco » More details » Property enquiry » List of active properties | LINK | ADVERTISE | SITEMAP | FAQ | FEEDBACK | CONTACT US | ASSOCIATES GOWEALTHY.COM © 2005. ALL RIGHTS RESERVED DISCLAIMER PRIVACY POLICY

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California Department of Veterans Affairs - CalVet Loans California Home CDVA Home About us Frequently Asked Questions CalVet Home Loans Homes for Sale Veterans Homes Veterans Services Women Veterans Memorials & Cemeteries Vets License Plates California Veterans Board News, Events and Announcements Employment Opportunities HIPAA at CDVA Links to Other Sites Contact Us Site Map CalVet Loans Now is a Great Time to use a CalVet Loan! If you're ready to buy a home, CalVet is here to meet your home financing needs! You will find manyfeatures and benefits with a CalVet loan that will save you money and help protect your investmentfor your family. We offer below market interest rates with low or no down payment that increase your purchasing powerand keep your payment down. We have expanded eligibility so that nearly any veteran wanting to buya home in California is eligible. We currently have funds for all qualified wartime era veterans,regardless of when they served in the military. We also have funds available for peacetime veteranswho qualify as first-time home buyers or purchase homes in certain target areas. Your may receive free prequalification for a CalVet loan by clicking on the Apply Online button on thispage, or by downloading and completing our prequalification form and sending it to your local CalVet office . -- --Apply Online Check your eligibility for CalVet Home Loans, see what loan amount you may qualify for, orfill out and submit a loan application on the property you have selected. My CA This Site More information on CalVet Loans: CalVet Loans Frequently Asked Questions (FAQs) Current CalVet Interest Rates For Prospective Buyers For Current Contract Holders For Real Estate Professionals For Everyone: CalVet Homes for Sale Contact one of the CalVet Offices CalVet Home Loans Strategic Business Plan 2004-09 FY Help Preserve the CalVet Program. Information about HR 2952 Call or write us: California Department of Veterans Affairs Division of Farm and Home Purchases P.O.Box 942895 Sacramento, CA 94295-0001 (800) 952-LOAN Back to Top of Page © 2003 State of California. Conditions of Use Privacy Policy

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Homebuyer Incentives : ENERGY STAR What is ENERGY STAR? | Newsroom Search What are ENERGY STAR Qualified New Homes Features of ENERGY STAR Qualified New Homes Benefits of ENERGY STAR Qualified New Homes Financial Incentives Increased Comfort Higher Resale Environment Lower Cost Homebuyer Resources New Homes Partner Locator For Residential Building Professionals PRODUCTS HOME IMPROVEMENT NEW HOMES BUSINESS IMPROVEMENT PARTNER RESOURCES -- Home > New Homes > Benefits of ENERGY STAR Qualified New Homes -- -- Homebuyer Incentives Because ENERGY STAR qualified new homes offer significant utility bill savings each and every month, ownership gives you access to special financing opportunities such as Energy Efficient Mortgages. These special mortgages make it easier for borrowers to qualify to purchase homes with specific energy-efficiency improvements. Contact your local ENERGY STAR lender to learn more about how buying an ENERGY STAR qualified new home can truly pay significant dividends. As a home buyer you can also reap the benefits from special utility promotions designed to encourage homeowners to reduce their energy consumption through energy efficiency. These promotions often include product rebates on home products that bear the ENERGY STAR label, reimbursement for the cost of having your home energy rated by a certified home energy rater, as well as other energy efficiency perks depending on the structure of the utility's ENERGY STAR program. The bottom line is that by installing energy efficient features in your new home such as a high SEER heating and cooling unit, low-e windows, and improved insulation, you can save money on your monthly utility bills, live in a more comfortable home, and help keep energy demand down. Our New Homes Partner Locator provides contact information for local home builders that build ENERGY STAR qualified new homes, lenders that offer energy efficient mortgages, utilities and other sponsoring programs that offer incentives for buying and building ENERGY STAR qualified new homes, and home energy raters that verify the energy efficiency of ENERGY STAR qualified new homes Resources for Homebuyers Products | Home Improvement | New Homes | Business Improvement | Partner Resources Newsroom | Privacy | Contact Us | Site Index EPA Home EPA Search DOE Home DOE Search