Guide to Buying a Duplex: Pros & Cons of Duplex Ownership

Searching for a home, especially your first, is one of the most exciting pursuits of your life. You’ve got financial freedom and you’re ready to use it to get a place all your own! And while you might be eager to ditch the shared walls of an apartment complex, don’t rule out buying into the shared walls of a duplex. There are plenty of reasons why purchasing a duplex could be the right choice for you. Let’s take a look.

Duplexes are very popular in the U.S. The National Multifamily Housing Council claims that about 1 in 5 households currently live in a duplex. Although they may not have been on your radar while shopping for homes, owner-occupied duplexes can be a wise investment. Similar to a single family home, duplexes are essentially two homes that share a wall with another home.

How does a duplex work?

Each home in a duplex can be either independently owned or by one entity. These owner-occupied duplexes can be split if the owner wishes to sell one or both. But what makes them so attractive is that duplexes — when one side is rented out — can help to generate income and pay down half the mortgage at the same time.

Is a Duplex a Good Investment for First-Time Homeowners?

To many, the prospect of renting out one half of a duplex is considered a good option. As far as starter homes go, it can also be a sound financial decision, too. If you’re thinking about buying a duplex as a first-time home buyer, it’s important to weigh your options and your long-term goals before making the call.

Buying a duplex and renting half out to a tenant is a big responsibility. You’ll be legally responsible for keeping the unit in a habitable state. And if something should go wrong with the HVAC or the water heater, you’ll need to be able to react — both physically and financially — to make repairs and line up service personnel if you can’t. Another consideration when buying a duplex as a first home is to be sure you’ve got the financial reserves in place to pay for the rental’s mortgage in case the tenant doesn’t work out. You may have trouble replacing the tenant if they unexpectedly move out.

Owning a Duplex: Pros and Cons

Buying a duplex and living in one half while renting out the other seems like a smart idea — and it can be a very good investment! However, like all investments, there are always some negatives to take into account. Let’s explore the pros and cons of having an owner-occupied duplex and see if it’s the right fit for you.

Pros of owning a duplex

One of the biggest reasons most people consider buying a duplex when they’re searching for their first home is the investment opportunity. Check out why it’s a good financial move to invest and live in a duplex.

Income on your property. With a tenant contributing to half of your monthly mortgage, you’ll be poised to build savings.

Renting your duplex could help you during the loan process. When you plan on renting out one side of a duplex, you may be able to factor that into your income and qualify for a larger home loan. Talk to your mortgage officer for specific details.

Your tenants help pay your mortgage. When you’re living in one side of the duplex and renting out the other, you’re taking a big chunk out of your mortgage payment every month. When you compare your reduced mortgage payment to what you’d be paying if you purchased a single-family home, duplex living seems like a no-brainer.

Tax benefits. Not only do you get your standard deductions for being a homeowner, but you can also deduct the expenses you incur while renting and maintaining your rental unit. Selling an owner-occupied duplex may also give you some exclusions from capital gains taxes since it’s treated as two properties.

Talk to your tax professional for more specific advice, but since your duplex is producing income, it’s technically a business — and that means you’ll have some opportunities for tax benefits that you wouldn’t have if you’d picked a single-family home.

Beginning of a real estate portfolio. A duplex is a great stepping stone for anyone looking to invest in real estate. While you live in half, you can pay down your mortgage. Then, when you move out, you can rent out both sides — doubling your rental income.

Rent goes up. In general, rent goes up over time, but a fixed, 30-year mortgage stays the same. So while your mortgage payments don’t change, you can charge more for rent, adding to your income over the years.

Close to your tenants. There’s nothing like living next door to your tenants for property checks and maintenance issues.

Cons of owning a duplex

If the income portion of owning and renting a duplex sounds good to you — great! But don’t let that drive your entire decision. There are plenty of other work, social and risk factors to consider before you jump into the rental game. Check them out:

Twice the expenses. There are many financial benefits to a duplex but some of the expenses double — maintenance is one of the biggest considerations. Make sure you do the math at the outset to see how your finances line up.

Tenants have expectations. When your tenants are next door, they may expect you to deal with any issue they encounter immediately.

The landlord business. Once you rent out the other half, you become a landlord. Whether you love being a landlord or could leave it, it’s a business and needs special attention. Some mortgages require you live in your half for a year. Are you able to commit to staying put for a year? Or do you need more flexibility?

Location limitations. Your region may have zoning limits on where multiple family units can be located, which could restrict your location options.

Handling an empty unit. If the other side of your duplex doesn’t have a renter, you need to be prepared to advertise, show the unit, maintain it and handle months of no rent payments. Make sure you’re able to devote as much time as necessary to keep the unit in good shape and get it occupied.

Sharing walls. If you had your heart set on privacy that your old apartment couldn’t offer, you might not love the fact that your unit will share at least one wall, ceiling or floor with your neighbors. Be prepared for the occasional noises, especially if your tenant likes to entertain.

Respecting shared property. You’ll probably be sharing a driveway, a lawn or other parts of your property with your tenants. Making sure that you’re both respecting the shared property and cleaning up after yourselves is an important part of creating a healthy tenant and landlord relationship.

Renting Out An Owner-Occupied Duplex

Buying a duplex to live in can be appealing. And joining the ranks of the hundreds of thousands in duplex ownership is a great way to have a go at being a landlord for the first time. Unfortunately, buying and renting out a duplex isn’t a “set it and forget it” kind of investment. Before you ever show the unit to a prospective renter or hold an open house, you’ll need to brush up on some landlord basics. Here are some tips for learning to become a duplex landlord:

Research rent prices in your city, town or neighborhood. Setting a fair rental price is a major key to getting renters and keeping your other unit occupied. Look for similar units and compare and contrast the features, prices and location to yours.

Check out local rental and landlord laws. Depending on the location of your duplex, you’ll have different rules and regulations to abide by. Your tenant’s rights will depend on your location, too. These laws will cover things like security deposits, what you’re required to disclose about the unit to potential renters and more.

Prepare for repairs. If you don’t fancy yourself a handy person, ask around and search online for a reputable maintenance person in the area. You’ll be doing yourself and your tenants a favor by making sure you’ve got someone trustworthy to handle the unexpected maintenance issues that come with renting.

Don’t expect regular, on-time payments. It’s a tough pill to swallow, but as a landlord, you won’t always be paid promptly by your tenants. That’s why you should work to build a strong rapport with whomever is living on the other side of the duplex. Give your tenants the respect and honesty you’d expect to get, and you’ll be better off — both financially and personally — in the long run.

Learn about the required insurance

Get in touch with an American Family Insurance agent to get the coverage and peace of mind you deserve. Here are the policies you should consider:

Homeowners insurance. One last consideration when buying a duplex is your homeowners insurance. In most situations, if you have an owner occupied duplex, you can insure both sides through a traditional homeowner’s policy.

Business insurance. But, if you decide to move and rent both units you may need to look into business insurance. Your American Family Insurance agent will be happy to navigate these policy options with you so you can find the best option for your unique situation.

Landlord insurance. While you handle the day-to-day of managing your rental unit, you also want to make sure you’ve got landlord insurance that protects you from the surprises that come with the job.

The next steps to purchasing a duplex

Once you’ve made the decision to purchase a duplex, you’ll need to make preparations for the purchase in much the same way that you would if you were buying a home for the first time. As you’re considering how to buy a duplex, you’ll need to apply for a mortgage and figure out how much cash you can put towards a down payment.

Frequently Asked Questions

How can I buy a duplex with no money down?

You’ve got a few options if you’re looking to purchase a duplex with no money down. In addition to working out a lease-to-own arrangement with the current duplex owner, you could join forces with a financial investor who’s willing to partner with you on the deal.

How can I buy a duplex with bad credit?

In order to qualify for financing, you’ll need a minimum FICO credit score around 580 – 620. With that, you may qualify for an FHA loan to buy the duplex.

How to Write a Real Estate Business Plan

Winston Rowe and Associates No Upfront Fee Commercial Real Estate Lending

Success in the real estate investing industry won’t happen overnight, and it definitely won’t happen without proper planning or implementation. For entrepreneurs, a real estate investing business plan can serve as a road map to all of your business operations. Simply put, a real estate business plan will serve an essential role in the formation of your investing career.

Investors will need to strategize several key elements to create a successful business plan. These include future goals, company values, financing strategies and more. Once complete, a business plan can create the foundation for smooth operations and outline a future with unlimited potential for your investing career. Keep reading to learn how to create a real estate investment business plan today.

What Is A Real Estate Investing Business Plan?

A real estate business plan is a living document that provides the framework for business operations and goals. A business plan will include future goals for the company and organized steps to get there. While business plans can vary from investor to investor, they will typically include planning for one to five years at a time.

Drafting a business plan for real estate investing purposes is, without a doubt, one of the single most important steps a new investor can take. An REI business plan will help you avoid potential obstacles while simultaneously placing you in a position to succeed. It is a blueprint to follow when things are going according to plan, and even when they veer off course. If for nothing else, a real estate company business plan will see to it that investors know which steps to follow to achieve their goals. In many ways nothing is more valuable to today’s investors. It is the plan, after all, to follow the most direct path to success.

8 Must-Haves in A Real Estate Business Plan

As a whole, a real estate business plan should address a company’s short and long-term goals. Though in order to accurately portray a company’s vision, the right business plan will require more information than a future vision. A strong real estate business plan will provide a detailed look at the ins and outs of a company. This can include the organizational structure, financial information, marketing outline and more.  When done right it will serve as a comprehensive overview anyone who interacts with your business, whether internally or externally.

That said, creating an REI business plan will require a persistent attention to detail. For new investors drafting a real estate company business plan may seem like a daunting task, and quite honestly it is. The secret is knowing which ingredients must be added (and when). Below are seven must-haves for a well-executed business plan:

Outline the company values and mission statement.

Break down future goals into short and long term.

Strategize the strengths and weaknesses of the company.

Formulate the best investment strategy for each property and your respective goals.

Include potential marketing and branding efforts.

State how the company will be financed (and by whom).

Explain who is working for the business.

Answer any “what ifs” with backup plans and exit strategies.

These components are what matter the most, and a quality real estate business plan will delve into each category to ensure maximum optimization.

Vision

A company vision statement is essentially your mission statement and values. While these may not be the first step in planning your company, a vision will be crucial to the success of your business. Company values will not only guide you through investment decisions, but will also inspire others to work with your business time and time again. They should align potential employees, lenders and possible tenants with the motivations behind your company.

Before writing your company vision, think through examples you like both in and out of the real estate industry. Is there a company whose values you identify with? Or, are there mission statements you dislike? Use other companies as a starting point when creating your own set of values. Feel free to reach out to your mentor or other network connections for feedback as you plan. Most importantly, think about the qualities you personally value and how those can fit into your business plan.

Goals

Goals are one of the most important elements in a successful business plan. This is because not only do goals provide an end goal for your company, but they also outline the steps required to get there. It can be helpful to think about goals in two categories: short term and long term. Long term goals will typically outline your future plans for the company. These can include ideal investment types, profit numbers and company size. Short term goals are the smaller, actionable steps required to get there.

For example, one long term business goal could be to land four wholesale deals by the end of the year. Short term goals will make this more achievable by breaking it into smaller steps. A few short-term goals that might help you land those four wholesale deals could be to create a direct mail campaign for your market area, establish a buyers list with 50 contacts, and secure your first property under contract. Breaking down long term goals is a great way to hold yourself accountable, create deadlines and accomplish what you set out to.

SWOT Analysis

SWOT stands for strengths, weaknesses, opportunities, and threats. A SWOT analysis involves thinking through each of these areas as you evaluate your company and potential competitors. This framework allows business owners to better understand what is working for the company and identify potential areas for improvement. SWOT analyses are used across industries as a way to create more actionable solutions to potential issues.

To think through a SWOT analysis for your real estate business plan, first identify your company’s potential strengths and weaknesses. Do you have high quality tenants? Are you struggling to raise capital? Be honest with yourself as you write out each category. Then, take a step back and look at your market area and any competitors to identify threats and opportunities. A potential threat could be whether or not your rental prices are in line with comparable properties. On the other hand, a potential opportunity could be to boost the amenities offered at your property to be more competitive in the area.

Investment Strategy

Any good real estate investment business plan requires the ability to implement a sound investment strategy. If for nothing else, there are several exit strategies a business may execute to secure profits: rehabbing, wholesaling and renting — just to name a few. This is where investors will want to analyze their market and determine which strategy will best suit their goals. Those with long-term retirement goals may want to consider leaning heavily into rental properties. However, those without the funds to build a rental portfolio may want to consider getting started by wholesaling. Whatever the case may be, now is the time to figure out what you want to do with each property you come across. It is important to note, however, that this strategy will change from property to property. Therefore, investors need to be able to determine their exit strategy based on the asset and their current goals. The reason this section needs to be added to a real estate investment business plan is because it will come in handy once a prospective deal is found.

Marketing Plan

While marketing may seem like the cherry on top of a sound business plan, marketing efforts will actually play an integral role in the foundation of your business. A marketing plan should include your business logo, website, social media outlets and any advertising efforts. Together these elements can build a solid brand for your business, which will help you build a strong business reputation and ultimately build trust with investors, clients and more.

To plan your marketing, first think about the ways your brand can illustrate the company values and mission statement you have created. Consider the ways you can incorporate your vision into your logo or website. Remember, in addition to attracting new clients, marketing efforts can also help maintain relationships with existing connections. For a step by step guide to drafting a real estate marketing plan, be sure to read this guide.

Financing Plan

Writing the financial portion of a business plan can be tricky, especially if you are just starting your business. As a general rule, a financial plan will include the income statement, cash flow, and balance sheet for a business. A financial plan should also include short- and long-term goals regarding the profits and losses of a company. Together, this information will help when making business decisions, raising capital and reporting on business performance.

Perhaps the most important factor when creating a financial plan is accuracy. While many investors want to report on high profits or low losses, manipulating data will not boost your business performance in any way. Come up with a system of organization that works for you and always ensure your financial statements are authentic. As a whole, a financial plan should help you identify what is and isn’t working for your business.

Teams & Small Business Systems

No successful business plan is complete without an outline of the operations and management. Think: how your business is being run and by whom. This information will include the organizational structure, office management (if any), and an outline of any ongoing projects or properties. Investors can even include future goals for team growth and operational changes when planning this information.

Even if you are just starting out, or have yet to launch your business, it is still necessary to plan your business structure. Start by planning what tasks you will be responsible for, and look for areas you will need help with. If you have a business partner, think through each of your strengths and weaknesses and look for areas you can best complement each other. For additional guidance, set up a meeting with your real estate mentor. They can provide valuable insights to their own business structure, which can serve as a jumping off point for your planning.

Exit Strategies & Back Up Plans

Believe it or not, every successful company out there has a backup plan. Businesses fail every day, but by creating a backup plan investor can position themselves to survive even the worst-case scenario. That’s why it’s crucial to strategize alternative exit strategies and back up plans for your investment business. These will not only help you create a plan of action if something does go wrong, but will also help you address any potential problems before they happen.

This section of a business plan should answer all of the “what if” questions a potential lender, employee, or client might have. What is a property remains on the market for longer than expected? What if a seller backs out before closing? What if a property has a higher than average vacancy rate? These questions (and many more) are worth thinking through as you create your business plan.

The impact of a truly great real estate business plan can last for the duration of your entire career, whereas a poor plan can get in the way of your future goals. The truth is: a real estate business plan is of the utmost importance, and as a new investor it deserves your undivided attention. Again, writing a business plan for real estate investing is no simple task, but it can be done correctly. Follow our real estate investment business plan template to ensure you get it right the first time around:

Write an executive summary that provides a bird’s eye view of the company.

Include a description of company goals and how you plan to achieve them.

Demonstrate your expertise with a thorough market analysis.

Specify who is working at your company and their qualifications.

Summarize what products and services your business has to offer.

Outline the intended marketing strategy for each aspect of your business.

Executive Summary

The first step is to define your mission and vision. In a nutshell, your executive summary is a snapshot of your business as a whole, and it will generally include a mission statement, company description, growth data, products and services, financial strategy, and future aspirations. This is the “why” of your business plan, and it should be clearly defined.

Company Description

The next step is to examine your business and provide a high-level review on the various elements, including goals and how you intend to achieve them. Investors should describe the nature of their business, as well as their targeted marketplace. Explain how services or products will meet said needs, address specific customers, organizations or businesses the company will serve, and explain the competitive advantage the business offers.

Market Analysis

This section will identify and illustrate your knowledge of the industry. It will generally consist of information about your target market, including distinguishing characteristics, size, market shares, and pricing and gross margin targets. A thorough market outline will also include your SWOT analysis.

Organization & Management

This is where you explain who does what in your business. This section should include your company’s organizational structure, with details the ownership, profiles on the management team and their qualifications. While this may seem unnecessary as a real estate investor, the people reading your business plan may want to know who’s in charge. Make sure you leave no stone unturned.

Services or Products

What are you selling? How will it benefit your customers? This is the part of your real estate business plan where you provide information on your product or service, including benefits it has over competitors. In essence, it will offer a description of your product/service, details on its life cycle, information on intellectual property, as well as research and development activities, which could include future R&D activities and efforts. Since real estate investment is more of a service, it’s critical for beginner investors to identify why their service is better than others in the industry. It could include experience.

Marketing Strategy

Generally speaking, a marketing strategy will encompass how a business owner intends to market or sell their product and service. This includes a market penetration strategy, plan for future growth, channels of distribution, and a comprehensive communication strategy. When creating a marketing strategy for a real estate business plan, investors should think about how they plan to identify and contact new leads. They should then think about the various options for communication: social media, direct mail, a company website, etc. The marketing portion of your business plan should essentially cover the practical steps operating and growing your business.

Winston Rowe and Associates is a national consulting firm you can review them on line at www.winstonrowe.com

Strategies for Managing the Commercial Loan Post-Closing Process

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After a commercial loan transaction closes, it’s easy to feel that all the important work has been completed, but the truth is there are many post-closing matters that still require the lender’s attention.

Often, the tasks that must be performed after a loan closing involve perfecting the lender’s collateral liens, and in many situations, lenders need the borrower’s cooperation in order to satisfy post-closing requirements.

However, borrowers are often eager to focus on managing their businesses, creating difficulty for the lender to redirect their attention back to the loan closing. Taking an opportunity during the closing process to define and communicate the responsibilities of each party, including post-closing expectations, can help simplify the cumbersome post-closing process for lenders.

A crucial step in an efficient post-closing process is letting borrowers know that their cooperation may still be required after a loan closes, which is why we recommend using a Post-Closing Agreement with all loan transactions.

These agreements outline specific requirements that need to be satisfied post-closing, and they provide an opportunity to manage the borrower’s expectations while informing them that they still have a responsibility to communicate and work with their lender after their loan closes. It is advisable that all post-closing requirements have specified deadlines listed in the agreement.

Another document we recommend lenders use is an Errors and Omissions Agreement. This document requires borrowers to provide additional information and execute additional documentation, as may be required by the lender after a loan closing.

The closing process presents several opportunities for mistakes to be made, including omitting certain documents from the closing document package, incorrect signatures on documents, and execution of outdated versions of documents.

The Errors and Omissions Agreement is a good way for all parties to agree to resolve these potential issues after closing.

An additional tool that lenders can use to help manage post-closing issues is the Loan Agreement. A good Loan Agreement clearly outlines each party’s ongoing responsibilities, and in doing so, helps manage the borrower’s expectations. Loan Agreements are particularly useful in more complicated transactions because the agreements can be tailored to fit various scenarios and include additional terms a lender may require.

The Loan Agreement may include events of default should the borrower fail to satisfy any post-closing requirements prior to the applicable deadlines.

Depending on the type of collateral involved in a transaction, there can be many different potential post-closing issues for a lender to track and resolve.

Real estate is a good example of a potentially complicated type of collateral to deal with post-closing because it involves ensuring mortgages get recorded properly, tracking receipt of recorded documents and final title policies, confirming the adequacy of title policies, and working with title companies to resolve any issues or unexpected exceptions that may appear on a final policy.

Automobile liens can also be especially tricky, and not only require the correct documentation from the borrower, but also may require substantial interaction with the DMV in the state where the vehicle is titled.

Additional post-closing responsibilities include review of executed loan documents, filing UCC financing statements, obtaining confirmation of UCC terminations, tracking financial reporting covenants, ensuring proper documentation is received in connection with draw requests, and following-up on collateral insurance expirations.

As complicated as the post-closing process can be, lenders can help ease the burden by utilizing Post-Closing Agreements,

Errors and Omissions Agreements, and Loan Agreements, all of which clarify the responsibilities of each party and help manage post-closing expectations with borrowers.

 

States Are Forcing Business Owners Into Technical Commercial Loan Default

States that are not allowing businesses to open are causing commercial mortgages and business loans to go into technical default even though they are not missing payments.

Most commercial and business loan documentation contains one or more financial covenants that will cause you to become in technical default including cash flow covenants, such as a debt service coverage ratio, a fixed charge coverage ratio, or an interest coverage ratio, leverage ratios comparing total debt to cash flow and liquidity covenants.

With continued shut downs of state and local economies many businesses will not survive.

What is technical default of a commercial mortgage?

A technical default will result in payment of the commercial mortgage or business loan to be made in full. If the business owner can not pay in full, the business and its assets are liquidated.

Some examples of commercial mortgage technical default.

Property Value
Lack of Cash Flow
Changing Type of Business
A Second Position Mortgage with Out A Subordination Agreement
Local Economic Factors
Force Majeure
Rise in Crime
Environmental Factors
Not Raising Rents or Rents Below Market Rates
The Business Not Being Properly Capitalized

Since business and life in general is about managing risk the economy should be opened sooner rather than later.

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Free Business And Real Estate Investing eBooks

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Welcome to Winston Rowe and Associates knowledge blog, scroll down to the right for posts about commercial real estate.

This is a list of free books about real estate investing, commercial real estate financing and business strategy.

We’re always on the lookout for great free books so bookmark this blog and check back for monthly updates.

These links are not affiliate marketing links, just publications that we feel may add value to people and businesses.

Commercial Real Estate Finance

The eBook Commercial Real Estate Finance, by Winston Rowe & Associates discusses the fundamentals of the different types of commercial property, the various options that are included with properties and the capabilities that you will have as a commercial property investor.

Real Estate Investing Articles

This is a link to 1226 real estate investing articles written by industry veteran’s.

25 Productivity Tips for Successful Business Owners

Productivity is critical to your success at work. Business owners, managers and executives all want to get the most from their employees. If you’re not performing as efficiently or effectively as others, your long-term job prospects could be in trouble.

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers

“Real Estate Investing: How to Find Cash Buyers and Motivated Sellers” teaches real estate investors and those interested in learning to invest in real estate how to define and target ideal cash buyers and motivated sellers. The book covers absentee owners, rehab investors, Section 8 landlords, and other buyer types. Some of the marketing topics include mailing lists, postcards, both online and offline marketing strategies along with examples. Anyone who wants to wholesale a house or is curious about flipping houses should pick this book to get educated on cash buyers and motivated sellers for their real estate investing.

Real Estate – Breaking Bad How to Flip Decaying Real Estate Properties for Profit

Tired of working 9 to 5? You should think of making money with real estate! Yes, the effort is well worth it! You just have to ditch the misconceptions and embark with all the passion you have in store for this amazing trip of rehabbing old houses and giving them a new look and a new owner.  Your reward? A nice profit!

Real Estate Forms Portfolio

A FREE and ready-for-download eBook consisting of a comprehensive collection of real estate-related forms for real estate investors.

Real Estate Secrets Exposed

This FREE e-Book sheds some light on the often mysterious and sometimes daunting world of real estate.

Use 1031 Real Estate Exchanges to Create Multiple Streams of Income

Discover how to use 1031 tax-free exchanges, tenants in common interests, and zero cash flow properties to create new sources of income. Learn how to offer bundled services and attract new clients. This FREE, ready for download eBook is perfect for anyone involved in real estate, taxes, mortgages, insurance, or law.  Download it now!

Make Money Through Real Estate Renovations

Download this FREE eBook and learn how a successful investor makes thousands of dollars from real estate renovations. Download it now!

Discover the Secrets of How to Fund Your Real Estate Deals with Private Lenders

Download this FREE e-Book, and discover the new secrets of funding real estate deals in the post-bubble real estate market, where traditional lending sources are getting very difficult to obtain. Download it today!

Real Estate Investing Strategy for Rehabs

This eBook is about residential rehabbing and the multiple strategies that can be used to maximize profits in this current economic climate. My goal has always been to share knowledge with folks that are truly interested in rehabbing and view it as not only for monetary gain but also see is as an “art and science” like I do. Happy Rehabbing!!

How to Be A Super Property Investor

A FREE, step-by-step guide that will help you become a super real estate property investor. Learn all the basic and some advanced investing techniques that have generated millions for property investors. Ready for download now!

Financial Terms Dictionary – 100 Most Popular Financial Terms Explained

This practical financial dictionary helps you understand and comprehend more than 100 common financial terms. It was written with an emphasis to quickly grasp the context without using jargon. Every terms is explained in detail with 600 words or more and includes also examples. It is based on common usage as practiced by financial professionals.

The Prince by Niccolò Machiavelli

Niccolò di Bernardo dei Machiavelli was an Italian diplomat, politician, historian, philosopher, writer, playwright and poet of the Renaissance period. He has often been called the father of modern political philosophy and political science.

The Science of Getting Rich by W. D. Wattles

This book is pragmatical, not philosophical; a practical manual, not a treatise upon theories. It is intended for the men and women whose most pressing need is for money; who wish to get rich first, and philosophize afterward. It is for those who have, so far, found neither the time, the means, nor the opportunity to go deeply into the study of metaphysics, but who want results and who are willing to take the conclusions of science as a basis for action, without going into all the processes by which those conclusions were reached.

Sun Tzu Art of War

Written in the fifth century B.C., Suntzu and Wutzu still remain the most celebrated works on war in the literature of China. While the chariot has gone, and weapons have changed, these ancient masters have held their own, since they deal chiefly with the fundamental principles of war, with the influence of politics and human nature on military operations; and they show in a most striking way how unchanging these principles are.

Make Extra Money Flipping Houses While On Vacation by Jason Medley

Reveals his simple and proven systems to automate, delegate and outsource nearly every function of his business except cashing his checks. He shows the exact steps that has allowed him to go on multiple vacations with his family throughout the year while having his system continue to flip houses for him.

Achieving Wealth Through Real Estate: A Definitive Guide To Controlling Your Own Financial Destiny Through a Successful Real Estate Business

Have you ever thought about making money with real estate? In Achieving Wealth Through Real Estate: A Definitive Guide to Controlling Your Own Financial Destiny Through a Successful Real Estate Business, author and entrepreneur Kirill Bensonoff takes you through the process of starting your own real estate business step-by-step, featuring his expert tips and tricks.

Business Loans Uncovered

Knowing if you qualify is one of the most important things to know when applying  for a loan of any type. Blindly applying for a loan and being declined increases the chances of you being declined again and again because you not only lower your credit score each time you apply, multiple inquires also serves a red flag to other lenders and as a result lenders put you in a high risk category and charge higher interest rates in the event of an approval Includes: ​Traditional Lenders, Government Sources, The 7(a) loan guarantee program, SBA Low Doc loan program, SBA Express loan program, Factoring, Venture Capitalists, Angel Investors.

50 Simple Secrets To Be A Happy Real Estate Investor

Discover the secrets used by successful real estate investors to create happiness in their lives and businesses. Naturally create more happiness for yourself by implementing time-tested secrets to happiness used by other real estate professional and investors just like you. Start to experience more productivity, satisfaction, and success immediately.

50 Simple Secrets To Be A Happy Real Estate Investor

Discover the secrets used by successful real estate investors to create happiness in their lives and businesses. Naturally create more happiness for yourself by implementing time-tested secrets to happiness used by other real estate professional and investors just like you. Start to experience more productivity, satisfaction, and success immediately.

Marketing Strategies for Real Estate Photography

One of the biggest problems that real estate photographers have once they have set up their business as a legal entity, obtained all the right equipment and perfected their technique is obtaining new clients.

Clients and customers are the lifeblood of any business, but how do you obtain new clients after starting your business?

By developing and executing a strategic marketing plan tailored to your business.

This short guide has been written to help real estate photographers develop their marketing plan and assist with winning new business.

It includes a series of digital and direct marketing strategies along with useful tips and lessons the author has learned from his own experiences that can save you time and money when growing your business.

A marketing action plan template has been included to help photographers execute the strategies learned in this guide book.

Books by Dr William Edward Deming

William Edwards Deming (October 14, 1900 – December 20, 1993) was an American engineer, statistician, professor, author, lecturer, and management consultant.

Educated initially as an electrical engineer and later specializing in mathematical physics, he helped develop the sampling techniques still used by the U.S. Department of the Census and the Bureau of Labor Statistics.

In his book The New Economics for Industry, Government, and Education Deming championed the work of Walter Shewhart, including statistical process control, operational definitions, and what Deming called the “Shewhart Cycle, which had evolved into Plan-Do-Study-Act (PDSA). That was in response to the growing popularity of PDCA, which Deming viewed as tampering with the meaning of Shewhart’s original work.

Deming is best known for his work in Japan after WWII, particularly his work with the leaders of Japanese industry. That work began in July and August 1950, in Tokyo and at the Hakone Convention Center, when Deming delivered speeches on what he called “Statistical Product Quality Administration”.

Many in Japan credit Deming as one of the inspirations for what has become known as the Japanese post-war economic miracle of 1950 to 1960, when Japan rose from the ashes of war on the road to becoming the second-largest economy in the world through processes partially influenced by the ideas Deming taught

10 Fundamentals Beginning Real Estate Investors Should Know

1. The Cup Is Always Half Full

New real estate investors are very nervous on the first deal and start to panic at every obstacle. These emotions are natural considering most are spending their life savings on an investment property. Never let your emotions get too high or too low because both can cost you time and money.

2. The Value Is in The Experience

Your first flip isn’t all about the profits. Many first-time investors won’t make a killing off of their first property, so it’s key to keep in mind that there’s also value in the time spent managing the acquisition and renovations, learning from mistakes and seeing the project through to completion.

3. Setting Aside Working Capital Is Key

Many new investors fail when they are hit with unexpected and major expenses or income loss such as significant repairs or a major tenant vacating. To avoid this, make sure to set aside enough working capital in reserves to account for these problems so that you can carry the property through the tough times.

4. Discipline Will Help You Stay on Budget

First-time investors are sometimes so eager to get started; they will abandon their set numbers. This may lead to overspending on the acquisition or on the improvements. My most disciplined clients won’t go over their set budget. What seems like a negligible amount can impact returns.

5. Return Calculations Can Be Misleading

In commercial real estate, it is very common to advertise cash on cash returns, capitalization rates, and internal rate of return for investment properties. I wish more early investors understood how easily manipulated those figures can be and that you could provide 10 seasoned industry professions the same data and come up with a wide range of IRR estimates

6. Lying Will Ruin Your Reputation

Reality TV shows are pure entertainment and do not accurately reflect investing, so don’t rely on them at all for your education. Get involved with people who actively invest in your local area.

7. You Won’t Get Far Without Mentors and Partners

There are successful investors out there, right now, with decades of experience, who would be happy to help you on your journey. Find a way to add value for them, and in return ask if they can help you in your real estate investing business.

8. Having the Right Team Is Priceless

Working with a well-seasoned professional team is key. Often, real estate investors are looking to rent out the property, but the first-timers don’t work with a team of professionals to think through cost estimates, financing options, profitability and different aspects of being a landlord or occupancy rates.

9. The Details Are in The Contracts

I can’t tell you how many people I have known, including myself early on, that just trusted the personality running the deal, and never understood what they were investing in.

10. Plans Are Useless, But Planning Is Indispensable

We see a lot of first-time investors purchasing investment properties. While there is a multitude of impactful factors, the end reason the project is being done is to make money. To keep everything on track and in perspective, create a Pro-forma (projected) profit and loss statement to determine the impact and timing of decisions and investments.

 

Commercial Financing In 30 Days No Advance Fees Winston Rowe & Associates

Real Estate Investing

Winston Rowe & Associates provides expert bridge funding with no upfront fees for commercial loans, office, hotel, industrial or retail properties.

They have service oriented professionals that give clients the due diligence and underwriting expertise required by today’s tougher lending standards.

Winston Rowe & Associates manages every step of the bridge financing process from document collection to commitment negotiation and closing.

Their best business practices process ensures that their clients receive lighting fast funding with the most aggressive rates and terms available.

Prospective clients can speak directly to a principle at Winston Rowe & Associates at 248-246-2243 or email them at processing@winstonrowe.com  or check them out online at http://www.winstonrowe.com

Commercial Bridge Loan Financing Solutions:

• Never an upfront or advance fee

• All commercial property types considered

• Funding in two weeks (with complete submission)

• All 50 states

• Loan amounts start at $500,000 with no upper limit

• Financing available for purchase, refinance and cash out

• The maximum loan to value is 65%

• The most competitive interest rates in the industry

Winston Rowe & Associates takes pride in being one of the few bridge loan investments banking platforms in the nation offering access to billions of dollars worth of capital specifically meant for commercial real estate financing.

Winston Rowe & Associates provides no upfront or advance fee commercial bridge loans in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Commercial Bridge Loans and Hard Money Financing No Upfront Fees

COMMERCIAL HARD MONEY LENDERS

 

Winston Rowe & Associates, a no upfront fee commercial bridge loan and hard money specialist offers borrowers an immediate financing alternative for short-term needs. Gap/Bridge financing, discounted mortgage buybacks, unpaid tax remittances, foreclosure workouts, bankruptcy resolutions (DIP) and short fuse opportunity financing.

Bridge Loan Financing Guidelines:

Never an upfront or advance fee
Financing available nationwide
Loan amounts range from $500,000 to $25,000,000.
Interest rates start at 10% interest only
Hard money loans can fund in two weeks with a complete loan file
Borrower must have a clearly defined take out (exit) in place
All commercial property types considered

At Winston Rowe & Associates, they offer their clients access to the most aggressive commercial real estate bridge (hard money) loans in the industry. Whether you are in need of short term financing, such as a bridge loan or hard money loan, or your needs are more long term such as construction or permanent financing, they will work with clients to structure a transaction that will meet or exceed your expectations.

Winston Rowe & Associates provides no upfront fee commercial bridge financing in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Commercial Business Loans

If you are looking for a Commercial Business Loan for Commercial Real Estate, Winston Rowe & Associates can help you.

Commercial Real Estate investors seeking financing can contact Winston Rowe & Associates directly at 248-246-2243

Commercial Property Types Considered:

Motels
Hotels
Apartments
Mixed Use
Resorts
Nursing Homes
Senior Apartments
Assisted Living Facilities
Hospitals
Shopping Centers
Truck Stops
Office Buildings
Automobile Dealerships
Day Care Centers
Golf Courses
C-Stores
Manufacturing Facilities

Their unparalleled service to its clients and is one of the fastest growing consulting firms in the commercial construction financing market. Their concise delivery is often imitated, but never duplicated.

Hotel Loans No Upfront Fees

Savvy Investors seeking Hotel financing are turning to Winston Rowe & Associates for their needs. They are a no upfront fee national commercial finance specialist with the experience clients need for fast funding of hotels for purchase or refinance.

They have an easy and straight forward streamlined underwriting process that enables their clients to finalize their transactions within 30 days or less.

Winston Rowe & Associates success is measured by their clients’ success, with their mission is to be clients source for the most appropriate – and advantageous – hotel financing that helps them achieve their goals.

Whether you are a seasoned investor or new to the market, Winston Rowe & Associates is there to help you explore your best options for hotel and hospitality financing.

Commercial Real Estate Loan Programs No Upfront Fees

Winston Rowe & Associates is a boutique commercial real estate mortgage consultant. They provide professional mortgage banking services with a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, without upfront fees.

They have commercial real estate loan programs for bank discount note financing (cram downs), hard money bridge loans and conventional purchase and refinance programs. Savvy commercial real estate investors turn to Winston Rowe & Associates when they are in time sensitive situations and need to fund their transactions fast.

Commercial Property Types Considered

Motels, Hotels, Resorts, Apartments, Senior Housing, Mixed Use, Nursing Homes, Assisted Living, Facilities, Hospitals, Medical Buildings, CCRC, Nursing Homes, Shopping Centers, Strip Malls, Truck Stops,  Office Buildings, and Industrial Parks.

They always welcome prospective clients with credit issues.

Refinancing Apartments, Offices, Shopping Centers No Upfront Fees

Winston Rowe & Associates is a boutique commercial mortgage consultant that utilizes a private banking approach for commercial property financing, without upfront fees nationwide.

They have a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, and a staff of seasoned, experienced professionals, that can have clients transactions funded within 30 days.

They can provide most client loan approval in 24 hours or less. They always welcome borrowers with income or credit issues.

Winston Rowe & Associates has a streamlined process for evaluating commercial real estate transactions that enables them to offer fast financing solutions to for the following situations:

Acquisition
Investment Purchase
Time Sensitive Close
Rehabilitation
Un-stabilized property
Unfinished construction
Bad Credit
Un-bankable property type
Foreclosure prevention
Chapter 11 / Debtor in Possession Exit Financing
Cash out (Case by case basis)
Bridge Finance
Hard Money Loans
Private Money Mortgages

Commercial Real Estate Mortgage, Loans, No Upfront or Advance Fees

Winston Rowe & Associates commercial lending programs provide an alternative to traditional bank financing, without the upfront fees that is ideal for borrowers seeking commercial real estate loans ranging from $2 to $100 Million.

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the commercial real estate mortgage business.

As a Nationwide commercial mortgage finance firm Winston Rowe & Associates has programs for up to 80% LTV financing to qualified investors/borrowers for all commercial real estate e types.

Winston Rowe & Associates custom programs are best suited for borrowers who want or require maximum leverage on commercial real estate loans for purchases, refinances or bank cram downs. Their innovative program features include; 48 hour pre-approvals, long terms and amortizations, quick 30 – 45 day closings, multiple pricing options, and zero upfront fees to their clients.

Winston Rowe & Associates Commercial Real Estate Mortgage Advantages Include

No upfront or advance fees
Loan to value 80%
Loan amounts from $1,000,000 to $50 million
Purchase
Bank cram down financing
Refinancing (with limited cash out)
Close in 30 days with a complete submission
Remodeling/Conversions
Nationwide

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate – and advantageous – commercial financing solution that helps you achieve your goals.

Winston Rowe & Associates Loan Programs

A typical Winston Rowe & Associates client that would be accepted has financing needs from $2 million to $50 million and revenues ranging from $1 million to $250 million with a proven track record of success.

Winston Rowe & Associates considers most commercial real estate types and businesses, because the commercial financial markets are changing daily. We review transactions and accept clients on a case by case basis.

Debt, Equity & Mezzanine Financing

Mezzanine or sub debt is often desirable for companies who do not wish to disturb existing senior debt facilities or for those seeking additional liquidity.

Winston Rowe & Associates has solutions for debt and equity financing and refinancing, first-time financing, leveraged buyouts, management buyouts, divestiture financing, financing for rapidly growing companies, and assisting in acquisitions and mergers.

Bridge Loans

A short-term loan that is used until a company secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short-term (up to three years) with relatively high interest rates and are always backed by some form of collateral such as real estate or inventory. The maximum loan to value is generally 50%.

Debtor In Possession (DIP) Exit Financing

Companies facing corporate restructuring, bankruptcy, Chapter 11, and financial restructuring, can turn to Winston Rowe for their exit financing. Clients must have a clearly defined and proven exit strategy based on current asset value and cash flow to qualify.

Bank Discount Note Financing & Refinancing

Sometimes known as a Bank Cram Down, in today’s banking climate many businesses have been approached by their current lender to discount their current commercial real estate mortgage. Winston Rowe has both short and long term financing solutions. The maximum loan to value is generally 75%

Winston Rowe And Associates Policies, Notifications and Disclaimers

Winston Rowe and Associates

Policies, Notifications and Disclaimers

Email, Communication, Telephone, Text, Written, Business or Personal Marketing Correspondence(s).

Data for business marketing is obtained from direct contact and open public sources available to anyone that has access to the Internet.

Email, business and verbal marketing correspondence for any commercial real estate financing solution(s) or business service(s) are an amalgamation or puffery of Winston Rowe and Associates, Winston Rowe and Winstonrowe.com Co and any other business, contact(s), or associate(s), or passer by’s and capital source(s) program(s), or service(s) and or business service(s) that may or may not be available from time to time.

Any and all email(s) and marketing correspondence, conversations are for discussion purposes only, not an offer to provide a loan(s) or business service(s) of any type.

Click on the links for a past and current copies of the Public Notice press releases, widely available to anyone and everyone that has access to the Internet also known as the world wide web can down load and read the said press releases.

2022 Public Notice, Winston Rowe and Associates

Important public notice updated for 2022 to all interested parties to all concerning Winston Rowe or Winston Rowe and Associates or Winstonrowe.com Co

ST. CLAIR SHORES, Mich. – Jan. 15, 2022 – PRLog — This is a public notice pursuant to whom Winston Rowe or Winston Rowe and Associates or Winstonrowe.com co is from time to time.

Winston Rowe or Winston Rowe Associates or Winstonrowe.com Co is not a lender, does not make loans of any type or credit decisions in connections with loans of any type.

Winston Rowe or Winston Rowe & Associates or Winstonrowe.com Co is a business name used for business trade name (mark) and business identity and is NOT A REAL PERSON LIVING OR DEAD.

HOW THE COMPANY NAME WAS ARRIVED AT:

The company name Winston Rowe & Associates is a play on words and was developed during the watching of T.V. a long time ago by combining Winston Churchill and T Rowe Price.

USE OF TRADE & COMPANY AND OR BUSINESS NAMES:

The use of trade, business names and company names as well as corporate identities, logos and marks is a well-established legal practice throughout business and history in the United States of America.

WINSTON ROWE & ASSOCIATES AND WINSTONROWE.COM CO BUSINESS DESCRIPTION:

Winston Rowe or Winstonrowe.com Co or Winston Rowe & Associates, is a national consulting, advisory and due diligence firm specializes in assisting clients as an advisor and consultant for business owners.

PRODUCTS & SERVICES NOTIFICATION:

Please go to https://www.winstonrowe.com for more information about Winston Rowe & Associates, products, services and policies. Products and services are subject to change at any time without notice.

Public Notice Updated, Winston Rowe and Associates

This is a public notice pursuant to whom Winston Rowe or Winston Rowe and Associates or Winstonrowe.com co is from time to time.

Winston Rowe or Winston Rowe Associates or Winstonrowe.com Co is not a lender, does not make loans of any type or credit decisions in connections with loans of any type.

Winston Rowe or Winston Rowe & Associates or Winstonrowe.com Co is a business name used for business trade name and business identity purposes and is NOT A REAL PERSON LIVING OR DEAD.

HOW A COMPANY NAME WAS ARRIVED AT:

The company name Winston Rowe & Associates is a play on words and was developed during the watching of T.V. a long time ago by combining Winston Churchill and T Rowe Price.

USE OF TRADE & COMPANY AND OR BUSINESS NAMES:

The use of trade, business names and company names as well as corporate identities, logos and marks is a well-established legal practice throughout business and history in the United States of America.

WINSTON ROWE & ASSOCIATES AND WINSTONROWE.COM CO BUSINESS DESCRIPTION:

Winston Rowe or Winstonrowe.com Co or Winston Rowe & Associates, is a national consulting, advisory and due diligence firm specializes in assisting clients as an advisor and consultant for business owners.

PRODUCTS & SERVICES NOTIFICATION:

Please go to https://www.winstonrowe.com for more information about Winston Rowe & Associates, products, services and policies. Products and services are subject to change at any time without notice.

Important notice updated for 2021 to all interested parties to all concerning Winston Rowe and Associates and Winstonrowe.com Co

SAINT CLAIR SHORES, Mich. – Feb. 25, 2021 – PRLog — Updated, the following is a public notice pursuant to whom Winston Rowe and Associates [winstonrowe.com co] is from time to time.

Winston Rowe and Associates and Winstonrowe.com Co is not a lender, does not make loans of any type or credit decisions in connections with loans of any type.

Winston Rowe (Winston Rowe & Associates) is a business name used for business trade name and business identity purposes and is NOT A REAL PERSON LIVING OR DEAD.

HOW A COMPANY NAME WAS ARRIVED AT:

The company name Winston Rowe & Associates is a play on words and was developed during the watching of T.V. a long time ago by combining Winston Churchill and T Rowe Price.

USE OF TRADE & COMPANY AND OR BUSINESS NAMES:

The use of trade, business names and company names as well as corporate identities, logos and marks is a well-established legal practice throughout business and history in the United States of America.

WINSTON ROWE & ASSOCIATES AND WINSTONROWE.COM CO BUSINESS DESCRIPTION:

Winston Rowe & Associates, is a national consulting, advisory and due diligence firm specializes in assisting clients as a advisor and consultant for business owners.

PRODUCTS & SERVICES NOTIFICATION:

Please go to https://www.winstonrowe.com for more information about Winston Rowe & Associates, products, services and policies. Products and services are subject to change at any time without notice.

PRESS RELEASE & BLOG, WEB SITE, META TAG AND PHRASES DISCLAIMER:

Winston Rowe & Associates is not a United States Securities Dealer or Broker, Depository Bank, Lender or U.S. Investment Adviser, Direct, Lender, Private Money, Lender, Banker, Mortgage Company, Commercial Lender, Commercial Bank, Hard Money Lender, Private Capital Firm, Private Equity Firm, Hedge Fund, Investment Fund, Mutual Fund, Stock Broker, Real Estate Agent, Money Finder or Banking Agent. Said English and non-English words and phrases can only be considered puffery and are NOT in any way making any warranty, guarantee, and or promises.

SEARCH ENGINE (SEO) COMPUTER PROGRAMS, COMPUTER CODE THIRD PARTY WEBSITE DISCLAIMER

The use of the English and non-English words or phrases in press releases or blog, forums, chat rooms, or in website titles and META tags, HTML, computer programs, computer code, machine code, third party websites, forums, news articles, chat rooms, tweets, search engines, search indexes, lists which include but are not limited to;  CAN only be considered SEO and puffery and are NOT in any way making any warranty, guarantee, and or promises.

2018 Public Notice – Winston Rowe and Associates

Important notice to all interested parties to all concerning Winston Rowe and Associates and Winstonrowe.com co

By: Winston Rowe and Associates

ST. CLAIR SHORES, Mich. – Dec. 12, 2018 – PRLog — The following is a public notice pursuant to whom Winston Rowe and Associates [winstonrowe.com co] is from time to time.

STATUS:

Winston Rowe & Associates [winstonrowe.com co] herein after known as Winston Rowe and Associate is NOT a United States Securities Dealer or Broker, Depository Bank, Pay Day Loan Company, Pawn Broker, Lender or U.S. Investment Adviser, Direct, Lender, Private Money, Lender, Banker, Mortgage Company, Commercial Lender, Commercial Bank, Hard Money Lender, Private Capital Firm, Private Equity Firm, Hedge Fund, Investment Fund, Mutual Fund, Stock Broker, Real Estate Agent, Money Finder or Banking Agent.

Winston Rowe and Associates and Winstonrowe.com co is not a lender, does not make loans of any type or credit decisions in connections with loans of any type.

Winston Rowe and Associates is a general business consulting firm.

Winston Rowe (Winston Rowe & Associates) is a business name used for business trade name and business identity purposes and is NOT A REAL PERSON LIVING OR DEAD.

HOW A COMPANY NAME WAS ARRIVED AT:

The company name Winston Rowe & Associates is a play on words and was developed during the watching of T.V. by combining Winston Churchill and T Rowe Price.

USE OF TRADE & COMPANY AND OR BUSINESS NAMES:

The use of trade, business names and company names as well as corporate identities, logos and marks is a well-established legal practice throughout business and history in the United States of America.

WINSTON ROWE & ASSOCIATES AND WINSTONROWE.COM CO BUSINESS DESCRIPTION:

Winston Rowe & Associates, a national no upfront fee non-investment consulting, advisory and due diligence firm specializes in assisting clients as a non-investment advisor and consultant for the structuring complex debt, private equity, private capital (hard money), and agency commercial real estate financing solutions.

NO UPFRONT FEE’S:

Please go to our website for http://www.winstonrowe.com

PRODUCTS & SERVICES NOTIFICATION:

Please go to http://www.winstonrowe.com for more information about Winston Rowe & Associates, products, services and policies. Products and services are subject to change at any time without notice.

PRESS RELEASE & BLOG, WEB SITE, META TAG AND PHRASES DISCLAIMER:

The use of the English and non-English words or phrases in press releases or blog, forums, chat rooms, or in website titles and META tags which include but are not limited to; Direct Lender, Lenders, Bank, Banking, Finance, Loans, Mortgage, Money, Private Banking Approach, Commercial Lender, Hard Money Lender and Refinancer. Are only English and non-English article titles, phrases and words DO NOT indicate in any way that Winston Rowe & Associates is a United States Securities Dealer or Broker, Depository Bank, Lender or U.S. Investment Adviser, Direct, Lender, Private Money, Lender, Banker, Mortgage Company, Commercial Lender, Commercial Bank, Hard Money Lender, Private Capital Firm, Private Equity Firm, Hedge Fund, Investment Fund, Mutual Fund, Stock Broker, Real Estate Agent, Money Finder or Banking Agent. Said English and non-English words, phrases, titles and META tags ARE NOT knowingly or willfully meant or designed to misrepresent, mislead or hoodwink persons, businesses, groups that wish to do business with Winston Rowe & Associates. Said English and non-English words and phrases can only be considered puffery and are NOT in any way making any warranty, guarantee, and or promises.

SEARCH ENGINE (SEO) COMPUTER PROGRAMS, COMPUTER CODE THIRD PARTY WEBSITE DISCLAIMER

The use of the English and non-English words or phrases in press releases or blog, forums, chat rooms, or in website titles and META tags, HTML, computer programs, computer code, machine code, third party websites, forums, news articles, chat rooms, tweets, search engines, search indexes, lists which include but are not limited to; Direct Lender, Lenders, Bank, Banking, Finance, Loans, Mortgage, Money, Private Banking Approach, Commercial Lender, Hard Money Lender and Refinancer are utilized for search engine optimization (SEO) only. Said English and non-English words and phrases, computer programs, computer code, machine code, CAN only be considered SEO and puffery and are NOT in any way making any warranty, guarantee, and or promises.

Public Notice – Concerning Published by Winston Rowe and Associates

Click on the above link for a copy of the Public Notice press release, widely available to anyone that has access to the Internet to down load this press release.

 

News, PR, blogs and Internet content published disclaimer pursuant to the First Amendment of the USA Constitution. For all interested parties.

By: Winston Rowe and Associates

DETROIT – March 6, 2019 – PRLog — To all concerning Winston Rowe & Associates [winstonrowe.com co] utilizes various sources from the Internet but not limited to. To develop news articles and press releases about various subjects. From time to time.

Said news articles and press releases cannot ever be deemed reliable or accurate and are only a nonprofessional opinion by the writer.

All content is published as an opinion.

Furthermore, publishing, speaking and writing is protected Free Speech as well as Freedom of the Press within the United States of America.

See The First Amendment to the United States of America Constitution.

“The First Amendment guarantees freedoms concerning religion, expression, assembly, and the right to petition.  It forbids Congress from both promoting one religion over others and also restricting an individual’s religious practices.  It guarantees freedom of expression by prohibiting Congress from restricting the press or the rights of individuals to speak freely.  It also guarantees the right of citizens to assemble peaceably and to petition their government.”

Published by Winston Rowe and Associates https://www.winstonrowe.com