real estate bridge loan investing in silver
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Real estate bridge loan investing in silver steven primo forex download

Real estate bridge loan investing in silver

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We focus on building solutions to empower real estate entrepreneurs to create more opportunities to build their own wealth and are excited to offer this in the markets that we serve," said Alex Shvayetsky , partner, New Silver. New Silver has a track record of working with recurring clients, like J.

They have given a new business, new to the industry, stellar guidance and have truly displayed the team mentality. They have a very efficient process start to finish and have proven that one of the best decisions we've made is partnering with New Silver! New Silver offers a variety of loan products to real estate entrepreneurs, including ground up construction, fix and flip loans, fix and rent loans, bridge loans and cash out refinance loans.

With New Silver, entrepreneurs can put their trust in over twenty years of data-driven real estate experience. Catering to both single and multi-family residential properties as well as small balance commercial properties, New Silver can help entrepreneurs fund their next real estate project quickly. Getting a hard money loan can be a lengthy and difficult process. That's why we created New Silver - hard money lending with the real estate entrepreneur in mind.

American Modern gives investors the peace of mind that comes with knowing your property is appropriately protected. The company offers insurance solutions tailored specifically for short-term and vacation rental property landlords. Comprehensive policies cover everything from damage caused by tenants to loss of income due to unoccupied units. CBIZ has years of experience insuring vacation rental properties, so the company knows what it takes to protect your investment.

Short-term rental policies are designed to cover all potential risks of renting out your property, including damage to the property itself, liability for injuries that occur on the premises, and loss of income if your property is uninhabitable due to a covered event. Farmers Insurance can be a good choice for insuring vacation rental property for several reasons. First, they have a long history of insuring rental property, so they understand the unique risks of this type of property.

They also offer a variety of coverage options that can be tailored to the specific needs of your rental property. In addition, Farmers offers competitive rates and discounts for landlords with multiple properties. Lastly, their customer service has an excellent reputation, and they are always available to answer any questions you may have about your policy. Foremost a Farmers Insurance Company has over 50 years of experience insuring vacant and tenant-occupied properties, and their team of experts understands the unique risks associated with short-term rentals.

The company is well known for its industry-leading coverage and claims process, which makes it a great option to consider for those with rental property. In addition, Foremost offers many discounts for landlords who insure multiple properties or who have their property professionally managed. Nationwide offers comprehensive protection for landlords with short-term and vacation rental property.

They are a well-respected company with a long history of providing quality coverage. Their policies are designed to protect your investment and give you peace of mind. They offer competitive rates and flexible payment options. You can customize your policy to fit your specific needs. As a landlord, you understand the importance of insuring your property.

But when it comes to short-term and vacation rentals, you need coverage specifically designed for this type of property. That's where Progressive Insurance comes in. The company offers comprehensive protection for landlords with short-term rentals, including coverage for damages caused by tenants and third-party guests.

In addition, policies include liability protection if a tenant or guest is injured on your property. While there are many different insurance options available, Proper Insurance offers a unique combination of features that may make it ideal for landlords. For starters, the company offers flexible coverage options that can be customized to meet your specific needs.

Additionally, Proper has a team of experienced underwriters familiar with the risks associated with short-term rentals and can offer competitive rates and comprehensive coverage. Investing in short-term rentals can be an excellent way to maximize returns on your properties. But like any other real estate investment, it is crucial to get the right insurance. Luckily, short-term insurance policies are available for this niche.

Numerous insurers have made it easier to manage your short-term rental insurance needs online. The above list is not exhaustive but provides some of the best insurers to consider. Once you decide to rent out a home, you'll need different insurance. New landlords sometimes do not realize that existing homeowners insurance coverage for a primary residence may result in a claim being denied once the property is turned into a rental.

Keep reading to learn how much landlord insurance you need for a rental property. This article will discuss the main types of landlord insurance coverage, how landlord insurance differs from homeowners insurance, and the best places to find landlord insurance for rental property.

Landlord insurance provides an extra layer of protection when you own and operate rental property. While all landlord insurance policies are different, there are 3 main types of coverage to consider:. Although this coverage provides protection for damages to your rental property, including personal property used to service the home, it does not cover damages from normal equipment breakdown or maintenance costs.

It also does not apply to any shared property. If you live in the home and rent an extra room, it would be best to consult your insurance agent and see whether that rented space can be covered under your homeowners coverage. The property insurance coverage only applies to non-owner-occupied rental properties. Liability coverage is critical when the tenant or a third party is injured on your property.

For example, let's say the railings on the property were faulty, and someone fell and got injured. If you are found liable for damages, your liability coverage can pay for medical bills and legal costs up to your coverage limit.

This coverage provides temporary rental income reimbursements should your property become uninhabitable. It could be fire, smoke, windstorm, water damage, broken water pipes, AC leak, a natural disaster, or other things beyond your control. However, the property needs to be occupied when it is declared uninhabitable for you to claim from the insurer. The specific amount of landlord insurance coverage needed varies from property to property and from one investor to another. In the worst-case scenario, you may wish to consider how much money it would take to rebuild your property after damage.

Factors affecting a landlord insurance premium include the type of structure insured and the deductible amount. Here are a couple of rules of thumb to follow when deciding how much landlord insurance you may need. First, you need to estimate how much it would cost to replace the rental structure. An easy way to know how much the building alone is worth is to look at your tax records or a recent appraisal made when the property was purchased.

The assessment will have the cost of the land separate from that of improvements buildings. That said, keep in mind that, unlike land, buildings depreciate, and the value on your tax records is not necessarily the correct representation of how much you would need for repairs. So instead, think about the present value and factor in inflation rates.

That's why it's crucial to work with a company that offers a variety of transparent insurance plans. Liability coverage and loss of rental income are harder to determine compared to property coverage, where it is easier to calculate the cost of construction materials. For example, how much would it cost to mend a broken leg and pay legal fees if someone fell on your property?

Or, how much rental income would be lost if your property was severely damaged and making the home habitable again took several months? The amount of liability and loss of rental income coverage you may require depends on factors such as the extent of an injury and liability in the event of a lawsuit and how much capital you are holding in a reserve account for when there is no rental income coming in. As a rule of thumb, it is best to consider taking liability coverage that is high enough to cover serious injury lawsuits and fits within your financial ability.

Also, how many tenants or properties you have will significantly affect how much liability coverage you need. The more tenants there are, the more potential risk there is and the more coverage you will need. If you have more units, the chances of a lawsuit increase, meaning you need more coverage. While both homeowners insurance and landlord insurance provide coverage for a home, they are used for different purposes. A homeowner policy is used for a primary residence occupied by a homeowner.

In some cases, coverage may also be available for a guest room rented out or short-term rental arrangements where you rent out the home when you are away on vacation. On the other hand, landlord insurance is a policy that provides protection for property not occupied as a primary residence, such as a single-family rental home, townhome or condominium, or a short-term vacation rental.

Another difference between homeowner and landlord policies is the cost of coverage. An excellent way to get a free instant quote online for landlord insurance is with Obie. Obie offers instant insurance specifically designed for landlords and real estate investors.

There are several ways to find the best landlord insurance coverage for your property. These include:. The internet never runs dry of information, including information on insurance matters. A simple online search will give you information about insurers like Obie , which offers landlord insurance. You can request a landlord insurance quote and obtain simple, affordable, and transparent coverage entirely online.

Best of all, there are no paper applications to deal with and no lengthy waits. Simply answer a few property questions and get the right insurance and coverage for single-family rental property, multifamily buildings with units, short-term rentals, and condominium units based on your specific needs. Another option for finding landlord insurance is through your current insurance agent or broker. This may be the path of least resistance because you don't have to do much research or compare numerous quotes from multiple carriers by yourself.

However, while this may be the easiest option, it isn't necessarily the best way to find landlord insurance. Some companies compete on price by giving you minimal coverage and minimal customer service if and when a claim is filed. Do you know a friend or relative who has converted their residential home into a rental? Chances are they already have landlord insurance coverage. They can share their experiences with insurers and lessons learned and might even recommend coverage or an agent they have used.

Networking with other individuals in the real estate industry can be an excellent opportunity to find the best landlord insurance. Visit property expos and look for groups with other landlords on social media to join. Landlord insurance is a must-have once your residential home becomes a rental. How much coverage you need, though, will depend on many factors. How much would it take to rebuild your house if it was ravaged by fire?

Or how much do you think it would cost in medical and legal fees if someone is severely injured on your property? Knowing this can help you estimate how much landlord insurance you need. It is also best to get a professional insurance company to help you find a policy that doesn't leave you exposed. Investing in real estate comes with a handful of responsibilities, including keeping your rental property in good condition and protecting the value of your investment.

While having the right landlord insurance policy in place is vital for owning a rental property, finding the best landlord insurance coverage can sometimes be challenging. This article is intended to make your research a little easier! Keep reading to learn more about finding the best landlord insurance and some of the top companies to consider when purchasing insurance for a rental property. At the end of this article, we'll cover some of the frequently asked questions real estate investors have about landlord insurance for rental property.

No paper applications, week-long waits for quotes, or back and forth with brokers. Finding the best landlord insurance for your rental property can be more complicated than looking for homeowners insurance because so many options are available. It's essential to spend enough time researching insurance coverage online, getting multiple quotes, comparing them side by side, and looking for discounts that can save you money and increase your potential return on investment.

Obie offers instant insurance built for landlords and real estate investors, so you can get the coverage you need for your specific property without spending countless hours trying to figure everything out yourself. Enter the property address and get an instant quote online for landlord insurance for properties with one to four units.

Obie provides full transparency into the insurance process, saving landlords and investors time and money. If you already have landlord insurance with another carrier, consider switching. Although Obie is a great way to find the best landlord insurance online, you may prefer to shop for quotes yourself.

Here are some of the top landlord insurance providers for rental property, listed in alphabetical order, according to research from Bankrate, Investopedia, The Ascent, and Value Penguin. Allstate Insurance Corporation was founded in The company is known for its affordable coverages, including landlord coverage.

Its coverage includes damages to the property's structure, additional structures, loss of income , medical protection, burglary, vandalism, and liability claims. It also consists of a building code policy that applies when you are fixing the unit, and there are applicable costs to meet building codes.

In addition, you can get coverage when your rental unit is undergoing renovations, or you are constructing a new rental unit. Additional coverage you can consider includes flood insurance and personal umbrella insurance. While you cannot get a quote online, there is an online search you can use to find a local agent to help you. You can also use its online tool to search for common and expensive claims in your area.

Knowing about potential claims can help you prepare better and add additional policies before purchasing your coverage. Most importantly, you can enjoy discounts that lower your insurance costs, such as bundling policies. Liberty Mutual Group is over years old and has made a name for itself since it was founded in , becoming the country's sixth-largest casualty and property insurer.

We live in the digital era, and Liberty Mutual saves you time by providing a quote for any insurance needs on its website. This service even allows you to bundle two types of coverage together. You can call for a customized quote that meets your specific needs for starters. Its landlord insurance provides coverage against the property's structure, loss of rent, and liability claims.

In addition, it has hour claims assistance. But perhaps what makes their option worth considering is that you can have an inflation protection add-on. Inflation protection add-on automatically increases your coverage over time to reflect rising costs of materials and labor. But, of course, any add-on to the standard coverage will come at an additional cost in your premium. It offers various financial services, including banking, investing, and insurance.

It offers several insurance coverages for homes and properties. Its rental dwelling policy is a good option to consider if you rent out a single or multi-family home unit. If you have a condo or an apartment unit, the rental condo unit owners' policy and insurance for landlords are great.

Whichever policy option you have, you will still enjoy coverage against structural damages, damage to additional structures attached to the property, personal property damages, theft, liability claims, and loss of income. The coverage also includes law or ordinance coverage, which protects against loss of value or the rise of costs arising from enforcement of an ordinance or municipality laws that regulate the repairing or the construction of damaged properties.

You can add more coverage to ensure you are protected against any additional risks. However, this will incur more expenses, raising your premiums perhaps more than anticipated. State Farm also offers online services, like getting an agent nearby, direct quotes, and paying your insurance bills automatically.

Its landlord insurance coverage is aimed at landlords with one to four rental property units like condos, apartments, and family homes single or multi. It provides the usual structural damage coverage and covers additional structures like garages and sheds, and covers theft and loss of income. In addition, if you are renting a furnished unit with furniture and appliances, the policy will provide coverage against damage to these.

Travelers can also help you find a professional agent close to you through their website. This can help you save time searching for a local insurance agent to work with. The above list of landlord insurance companies is by no means exhaustive. Other options to consider when looking for insurance for your rental property include:. If you plan to make money by renting out a home, homeowner's insurance will no longer apply. Apart from the covered risks that are more extensive with landlord coverage, it also matters who resides on the property.

Perhaps you have converted a room or two while still living on the property. But if you rent the entire property and no longer reside there, you should have landlord insurance. Although landlord insurance costs vary between insurers, some common factors affect your policy price:. Yes, landlord insurance has some exclusions. For example, although it covers damages to the property's structure, it does not cover repairs, updates, and maintenance costs. It also excludes:. The best landlord insurance is different for every real estate investor.

Choosing the best insurance policy for a rental property is about more than price. Consider coverage limits and exclusions, how customizable a policy is, and how transparent the entire process is. Real estate investors spend a lot of time, money, and effort finding the right rental property, screening tenants, and taking care of and making upgrades to the property to maximize return on investment.

A key part of owning rental property is having the right landlord insurance coverage to help protect your valuable investment. However, it can be challenging to find the right policy coverage at the best price, especially given the number of insurance carriers there are to choose from. Similar to a typical homeowners policy, landlord insurance for rental property comes in all shapes and sizes, with different pay-out options and types of coverage.

This article sheds more light on how much landlord insurance costs, the factors affecting the annual premium for landlord insurance, and the different coverage options available. Property Damage: Covers damages to the property's structure caused by natural disasters, vandalism, or intentional damage caused by a tenant due to negligence or during an eviction.

As a rule of thumb, covered costs can include medical expenses, legal fees, costs to settle a lawsuit, and funeral costs. Loss of Income: One of the main reasons investors purchase rental property is for the recurring income stream. But sometimes, things like natural disasters can leave the property uninhabitable.

Landlord insurance may reimburse a landlord for lost income when the property is being repaired, and a new tenant is located. Additionally, you could add extra coverage or riders to your policy to cover claims arising from flooding, water backup, natural disasters, personal items used in a rental property — such as furniture and appliances owned by the landlord — and more.

A common question that many beginning real estate investors have is whether landlord insurance is really necessary when a homeowners insurance policy is already in place. The answer is yes because the property is rented to somebody else instead of being used as the primary residence for the owner.

Although the two types of insurance coverage have many things in common, there are several items landlord insurance covers that homeowners insurance does not:. When shopping around for a landlord insurance quote, there are several factors insurers consider when calculating a premium, including:.

It is important to remember that the more comprehensive you need your landlord insurance to be, the pricier it will get. Therefore, it is crucial to go through the provided policy to ensure it covers the risks your property faces. Some companies compete on price by giving you minimal coverage that might save you a few dollars upfront but may cost you dearly when and if a claim occurs. Buying a landlord insurance policy might seem complicated, given the wide variety of coverage options available.

However, purchasing insurance written explicitly for a rental property is necessary for investing in real estate. A landlord insurance policy will help shield you against risks that could cost you a lot of money to repair damages on the property's structure and legal fees for claims against you. For example, let's say your tenant or a guest is injured at your property and decides to file a claim against you.

This could include their medical costs, settlement fees, legal costs, loss of income for missed work, and mental duress. Without the right landlord insurance coverage, you might have to pay for these claims from your hard-earned savings. Fortunately, a comprehensive landlord insurance policy with liability coverage will take care of these costs and save you from the possibility of losing your investment when faced with such incidents. That's just one example. A landlord insurance policy also protects against burglary, vandalism, theft by tenants, damages arising from natural disasters, and loss of rental income.

So you can rest easy and run your business knowing your investment is insured against a myriad of risks. As you can see, buying landlord insurance requires some time and energy. But here are a few tips to help you ease the process of choosing the best insurer:. There are three landlord insurance categories, often referred to as dwelling policies DP.

DP-1 are often offered at a low rate due to often excluding general liability, leaving gaps in policy coverage. DP-2 is more comprehensive and could extend to damages from natural disasters, while DP-3 is the most comprehensive and pricier. DP-3 covers every peril unless otherwise stated.

Ensure you are aware of what risks your preferred category covers and excludes. Do not settle for the first insurance company you stumble upon while researching. Get quotes from different insurers and compare the premiums and coverage. One insurer might have a pricier premium but provide you with more value that helps mitigate most of the risks.

The end goal is to have an affordable policy covering as many risks as possible. You can take the time to call several companies, or have Obie provide a quote from the many carriers they work with. Any type of insurance can be tricky to understand because there is a lot of detail. Somewhere among all the industry jargon, many landlords misunderstand some of the terms and conditions and basic descriptions of their policy, only to realize later that they have made a mistake.

The best landlord insurance broker will work hard to match you with the right insurance for your rental that best meets your needs. Depending on the landlord-tenant laws where a rental property is located, a landlord may be able to require a tenant to obtain a renters insurance policy before moving in. Sometimes known as tenant insurance, renters insurance is paid for by a tenant. It provides coverage for loss of personal property, liability for damage caused or a guest's injuries, and additional living expenses such as a hotel bill if a rental property becomes temporarily uninhabitable due to damage.

Having landlord insurance is an essential part of owning and operating rental property. While there are countless companies that offer insurance, very few specialize in insuring landlords. The best landlord insurance company will help you find the right policy for your specific needs, with affordable transparent coverage and customized pricing plans to help reduce risk and protect you from the unexpected.

Investors spend a fair amount of time searching for the best landlord insurance and reviewing various coverage options. However, the fact of the matter is that insurance policy language and fine print can be confusing even to the most experienced investors.

In this article, you will learn about the different types of insurance for real estate investors so you can decide which ones are right for your specific needs. A standard homeowners insurance policy and a landlord insurance policy for rental property have many coverages in common, but how the home is being used is what differentiates the two.

Landlord insurance provides coverage for liability and damages when a property is rented to a tenant. In contrast, homeowners insurance provides coverage for an owner-occupied primary residence. The challenge is choosing the right type of insurance for your rental property because every property and investor has different needs.

For example, a home located in a coastal area may require extra coverage for damage or flooding caused by a hurricane. Or, an investor with significant capital reserves may opt for a higher deductible to help keep policy costs low. The right insurance coverage is a critical part of owning and operating a rental property. Having too much insurance coverage may unnecessarily increase operating expenses and decrease potential returns, while the wrong coverage may lead to having a claim denied.

While every investment property and investor situation is unique, here are 10 types of insurance coverage to consider. Covers damages from fire and hazards, including water, lightning, smoke, explosion, storms - ice, sleet, and snow. However, one thing to keep in mind is whether the compensation from a claim will be enough to cover the damage.

Rising property values and increasing inflation could result in insufficient coverage the following year or even within a few months of buying the policy. That is why many in real estate investing opt for the total replacement cost of the property instead of its current cash value when the claim is made. Imagine a tenant, guest of a tenant, or repair person was injured at your property and decides to file a lawsuit.

As the property owner, you could be liable for paying out a significant amount of money to the injured party for medical expenses, missed work, and mental duress, among other damages. It protects you against risks of injury or damages that occur on your property. Liability insurance will cover the pay-out and legal costs if you are found liable for these damages. When purchasing landlord insurance, be sure to choose a high enough liability limit so that all costs are covered. A standard hazard insurance policy helps protect you against water damage on your property.

For example, it could be from a broken pipe. But what happens if your house floods due to heavy rains? Flood insurance is best and may be required if you have a mortgage if you have a rental property in an area designated as a flood zone or are worried a natural occurrence like a hurricane could lead to flooding. Additional coverage for sewer backup can usually be added to a landlord insurance policy at a minimal cost.

Sump overflow coverage is also recommended in geographies with basements. In many municipalities, the owner is responsible for maintaining any part of the sewer line that is on the property. A backed-up sewer can quickly render a single-family rental home uninhabitable and inconvenience all tenants in a multifamily building. Whether you are a real estate investor with a single property or an extensive portfolio, you likely rely on the rental income.

So, what happens if a disaster or peril covered in your insurance policy renders your rental property uninhabitable for a significant period? Loss of income insurance comes in handy here as it provides you with compensation for when you cannot rent the property following a catastrophic event, like a fire. In addition to losing rental income due to a disaster, you could also incur the same loss if you had a tenant skip rent payment for one reason or the other.

Unfortunately, things happen in life regardless of how much due diligence you do to ensure you let your property to trustworthy tenants. If the tenant fails to pay, you could find yourself without the cash inflows. A rent guarantee policy ensures that you receive reimbursement when such happens, so you do not experience an interruption in cash flows. A worker's compensation policy covers medical care, death, and disability benefits for employees injured at work.

It will also protect you as the employer if the employee files a case against you for the injury. But if you have employees in your business, consider talking to your insurance broker about adding worker's compensation coverage. If you invest in real estate by buying and renovating houses, you may require builder's risk insurance. Coverage options vary, but as a rule of thumb this insurance may cover claims such as property damage, vandalism, or injuries to crews renovating the home.

However, this additional special coverage may be well worth considering for extensive renovations and upgrades lasting longer than 60 days since coverage may be excluded by a regular landlord policy. Some investors grow their rental property portfolios to the point where they can perform general contracting work independently, such as creating a rehab plan and hiring subcontractors to perform individual pieces of the project.

General contractor insurance provides coverage for items such as pulling permits and individuals and companies working under the general contractor. There may be instances when a standard landlord insurance policy may not be enough to cover damages incurred. An umbrella policy provides extra insurance that kicks in when coverage from other policies ends. Getting an insurance policy is one thing, but getting it from an unreliable insurer could be almost as bad as having no coverage at all. One of the best ways to go about this is to work with a professional insurance broker who has access to industry-best rates for rental property and casualty plans to help ensure that your investments are protected.

In addition, insurance brokers have a fiduciary duty to you, meaning they are mandated by the law to have your best interest in their dealings, not the insurance companies. A second option is to ask other real estate investors. Hearing about first-hand experiences from others can help you determine whether a specific carrier is the best match for your insurance needs. Another very efficient way for real estate investors to find insurance is to search online.

The internet is a treasure trove of never-ending information, and you can find reviews from other investors and comparisons. For example, Obie is an excellent source for requesting a landlord insurance quote and obtaining simple, affordable, and transparent coverage entirely online. There are no paper applications and no lengthy waits.

While real estate can be a profitable investment, there are potential risks to keep in mind as well. Having the right insurance policy for your rental property is critical because having the wrong coverage could result in receiving a lower than expected reimbursement or even having a claim denied entirely. Your goals as an investor and the condition of your property will determine the type of coverage you need.

The above types of insurance for real estate investors are an excellent start. Still, it is crucial to work with a professional insurance agent to ensure you get coverage that matches your needs. Obie and Here have partnered to enable real estate investors to more easily expand their portfolios into the vacation rental market.

Obie believes that partnership is key to further simplifying the insurance process for landlords and real estate investors. Partnership with Here is a perfect compliment to this goal, as their mission is to make investing in short-term rentals approachable and attainable for all. By partnering together, Obie is able to insure properties with Here more quickly and efficiently.

This ultimately leads to better customer experience for Here customers. Here is a fintech company that has increased accessibility to the short-term rental space. Investors can expect high yield from the high cash-flow vacation market, while remaining fully passive through fractional ownership. This means lower cost of entry and less time spent managing investments, while still retaining the benefits of direct property ownership, such as depreciation and expense write-offs.

By removing many barriers to entry in the short term rental space, Here is empowering all people to step into real estate investing. Here makes investing easy with their 3-step process. Simply browse their online marketplace to select the SEC securitized properties you want to invest in, fund, and then relax. Here makes relaxing after you fund your investment especially easy.

Their team takes care of all operational responsibilities, including insuring each property through Obie, while you get transferred your returns from the property while also retaining the tax benefits of property ownership. Obie is providing support and ease to companies with a focus in tech-forward real estate solutions through partnership opportunities.

To learn more about how to reduce friction in the process of insuring your assets through partnership with Obie, click here. Investors can now get approved and close on a loan with New Silver in seven days and insure their asset instantly with Obie. Improving the experience of the investor is at the core of both our identities, so the partnership between Obie and New Silver is a natural fit.

With this partnership, investors experience a seamless lending and insurance process that removes many frustrations experienced otherwise and will help New Silver close more deals, quickly. New Silver is a private lender for the modern day real estate investor to secure capital. New Silver funds fix and flips, buy and holds, and new construction real estate projects. From their competitive rates to their impeccable speed and agility, New Silver is redefining the borrowing process.

Not only does New Silver make lending quick, but they also make it simple. Upon completion, you get approved instantly online with options to personalize your loan. Taking a once stressful experience and turning it into a painless 6-step process. New Silver has built technology to originate and underwrite short-term bridge loans with more efficiency. Their automated underwriting model is a proprietary tech advancement that allows for the speed you see in the loan process.

New Silver then securitizes those loans on the blockchain with capital from DeFi Decentralized Finance protocols. DeFi protocols use computer code to operate within the blockchain, reducing intermediaries and replacing traditional centralized institutions. The use of DeFi protocols helps New Silver further increase efficiency and reduce cost, directly improving the lending experience.

Obie is actively partnering with technology leaders across the proptech and fintech landscape to help independent investors close more deals and see greater returns. Contact our Partnerships Team by clicking here and learn more about how partnering with Obie can add value to your platform. Obie and Fund That Flip are working together to eliminate the insurance headaches associated with closing on a loan on your investment property.

One of the biggest challenges for real estate entrepreneurs is accessing fast, reliable capital to fund their projects and scale their businesses. Private money lenders can invest their money elsewhere with short notice, or the interest rates can be unsustainable.

Fund That Flip is a relationship-based, hard money lender. Because the company is powered by technology, application is easy and behind the scenes, things are happening fast. Plus, deals close in 5 to 7 days. Fund That Flip is using technology and relationships to help real estate entrepreneurs scale their businesses and transform communities. Obie works with lenders like Fund That Flip to alleviate insurance-related headaches for a quick and easy lending process for real estate investors.

We have saved so much time and money with Obie. We would recommend it to anyone. Obie simplifies the insurance experience by providing instant quotes. No back-and-forth with brokers or surprise costs at signing — the way insurance buying should be. Obie is teaming up with Roofstock to help streamline investment property transactions. Now Roofstock and Stessa users can get instant insurance quotes in minutes without ever leaving their platforms.

Roofstock is building the world's leading real estate investment marketplace. Their mission is to make ownership of investment real estate radically accessible, cost-effective and simple. Roofstock lets everyone from first-time investors to global asset managers evaluate, purchase and own residential investment properties with confidence from anywhere in the world.

Stessa, a Roofstock company, is a free software platform purpose-built to help investors track, manage, and report on their investment properties. Insurance is among the most cumbersome components of getting started in real estate, especially when it comes to optimizing coverage for individual portfolios and budgets. Investors on Roofstock and Stessa can now purchase insurance for their eligible investment property through Obie.

We teamed up with Roofstock because their trailblazing technology creates a seamless experience for purchasing, selling and managing properties. We are excited to be a part of the Roofstock customer journey - helping navigate the complex world of obtaining property insurance - without ever leaving Roofstock or Stessa. Ultimately, Roofstock is opening the doors for more people to build wealth through real estate. The entire team at Roofstock has been amazing to work with and we are extremely excited to grow with them and continue serving the real estate investor community.

With all the momentum and energy lifting the rental property industry, in particular single family rentals, proptech companies have emerged and partnered together to create an ecosystem that allows the individual investor to have a seamless end-to-end investment experience. Landlords have enough to worry about, from finding tenants to keeping up their property. Baselane is an all-in-one banking and financial platform for individual real estate investors and landlords, designed to help them save time, increase returns, and automate their finances.

Baselane offers banking, bookkeeping, rent collection, analytics, and more, in one simplified platform. This partnership provides a seamless and transparent way for investors to purchase or renew insurance policies on their rental properties. Baselane values its position as a one-stop-shop for financial management for landlords and real estate investors.

In addition, Obie and Baselane share a mission to simplify investing in and managing rental properties. Both companies aim to help their customers grow their investment portfolios and optimize their finances — together, they can now serve a larger market of landlords on property insurance and financial management.

For the world, as we entered the second year of the COVID pandemic, and for Obie, as we grew and expanded both our team and our product. Our mission from day one has always been to provide a fast, transparent, and affordable way to buy landlord insurance. To that end, we want to be as honest and open as possible with our customers, our employees, our partners, and our investors.

Join us as we reflect on our progress this past year. This year was an exciting year of growth for Obie. And from the business side, our growth was exponential. As our product grew, so did our brand name. More and more customers are choosing Obie, telling their networks about us, and renewing their policies. Customer satisfaction is one of our main goals.

And although customers can get instant quotes through our website without ever having to talk to anyone, our team goes the extra mile to provide exceptional customer service. Frank C. A real person answered the phone. I called back with questions 4 times and all 4 times Alex answered the phone and answered my questions thoroughly. Thank you, Obie Insurance! What a year for partnerships! We are thankful for every single person and partner who has spent time reviewing our product, brainstorming ideas, and inspiring us to do bigger things.

These partnerships — from property management tools to investment platforms — make it easier than ever for landlords and investors to obtain instant insurance. Last, but definitely not least, are the talented group of individuals whose passion and hard work make Obie what it is today. In the past year, we are proud to say we added 29 employees and created 13 new roles. At the beginning of the year, we were a small group of 12 people working from our office in Chicago, from an RV traveling the country, and from a handful of several other cities.

As our team grows, so does our capacity for recognizing the talent of our team members. In October we rolled out our Top Dog program — an employee appreciation program that comes with both bragging rights and fun prizes. As the fastest growing landlord insurance platform in the market, we finished strong, setting the stage for a successful and busy We are only at the beginning of Obie's journey.

You can expect to see new and exciting partnerships with companies and platforms who are the bedrock of the landlord space. And, you can expect technology that continues to improve the insurance experience with a growing team that puts clients at the forefront of everything we do after all, half of us are landlords ourselves. Winter is here. And if you are a landlord with an empty property, you might find yourself worrying. However, supply is also slimmer, which can work in your favor if your property is in a prime location.

A vacant home can be easy to overlook in terms of maintenance and care, especially if you own multiple units or properties. Stop by once a week or more, if possible and complete a few chores to keep your property in tip-top shape. Shovel the snow, dust the inside, and check that all appliances are working. You may be used to posting your listing on Zillow and leaving it at that.

Consider putting some money into advertising; Facebook advertising lets you post to specific locations, which can help you find tenants in your area. Make sure you have high-quality pictures of your property when you do choose to post the ad online. Focus on the inside if the outside is snowy and barren. Or, if you have pictures of the property in the summer, you can add those to show prospective tenants what your property looks like outside of winter.

In addition to photos, why not add a 3D video walkthrough? This can help out-of-town renters who are moving see your property. This can also save you time on individual showings — a big win if you are managing multiple properties. Does your property have a fireplace? Heated floors? A connected garage? These are all things to bring to the forefront of your rental listing in the cold winter months.

When you schedule a showing, be sure to turn up the heat too — prospective tenants want to imagine themselves in a well-insulated, cozy home. Even if you have set the heat down to save on costs, consider bumping it up a bit the day before a showing. If you are really struggling to attract tenants, why not sweeten the pot a bit?

Offer short-term lease agreements. This can help you avoid getting into a long lease with a subpar tenant and opens doors to tenants who only need seasonal housing. The downside to this is that you may be looking for new tenants in only a few short months. However, this could give you a chance to adjust rent during peak season to account for demand, offsetting the time your property sits empty.

Consider running a rent special. Be careful on this one. Strike the perfect balance of appealing to tenants while maintaining a healthy profit for yourself. Do you have current tenants who are looking to move when their lease is up? You may be able to compromise on a new lease if you reach out, saving both parties time and money. These tips should help you draw in a pool of qualified tenants.

Anyone renting out a property will need landlord insurance. Try Obie and get a quote in two minutes or less. Ah, the holidays. The season for relaxing, spending time with family, and enjoying some time off. Your tenants and property are always in the back of your mind. And when it comes to your tenants and the holidays, they are likely doing the same thing you are — staying inside, cooking, and having family and friends over.

While most tenants have good intentions, the holiday season brings an increased risk of accident — either to the tenants themselves or to your property. Unless your tenants are traveling out of town more on that later , they are likely cooking and baking up a storm in the kitchen.

Gingerbread cookies? Sign us up! Your insurance will cover accidental fire damage. Your insurance may also cover loss of rent. Wintertime means cold, wet weather. Hopefully your tenant is diligent about snow removal, unless otherwise stated in the lease. If he or she falls and is injured , your landlord insurance will protect you from being sued and will cover medical bills. Your tenants may not understand what you can and cannot put in a garbage disposal.

Turkey bones? Hard no. Hot grease straight from the pan? No way! And plumbing problems that prevent water or sewage from draining properly are usually an emergency. This one really depends on your policy and on the damage. If your tenant is using the garbage disposal as a garbage bin that is, throwing everything and everything inside , then you'll be covered if you have an additional water backup endorsement.

If you do not have a water backup endorsement, you may have to pay out-of-pocket or out of your tenant's security deposit to cover the damages. You know your tenant will be out of town for the holiday, leaving your rental property empty. So, if your tenant comes back to find a window broken and their TV gone, what do you do? Damage to your rental property — such as the broken window in this case — will be covered.

Your tenant goes out of town on vacation and uh oh, they forget to turn the heat up to keep the pipes from freezing. Frozen pipes lead to burst pipes, which leads to flooding, mold, and more. Luckily for both parties, landlord insurance will absorb the cost of repairing damages to the property if pipes freeze and burst.

Wait any longer and mold might grow — which may or may not be covered depending on your policy. This is a fun one that you may not discover until your tenants move out. While your lease may mention normal wear and tear is accepted, your tenants accidentally break down some drywall. Unfortunately, your tenant wrecking the walls is not covered. We all love a good holiday light show. But when lights are not attended to, or the wrong lights are used, your holiday light show might be a little too lit.

Whether inside or outside, holiday lights pose a fire hazard. Yes, thankfully for you and your property, electrical fires are covered. And since any trees or shrubs in your backyard are part of your property, landlord insurance covers damages to those too. However, the amount of reimbursement may vary depending on the cause and extent of the damage. We want you and your tenants to have a holly, jolly holiday season.

If you manage your property on your own, consider reaching out to your tenants with a quick holiday safety guide. You may know if your tenants are going out of town and hopefully you or your property manager can keep an eye out for any potential hazards e. So why not choose the fastest and easiest insurance option? Get your quote today. Considering buying a rental property? Smart decision! Investing in real estate is a great way to build another income stream and diversify your finances.

The only problem? You have no idea where to start. There are so many properties available and so much conflicting advice on how to buy a rental property. Owning a rental property can provide additional income. However, being a landlord can be time-consuming, expensive, and stressful if you don't know what you're doing. Finding, screening, and managing tenants can take time.

Then once you find tenants, you'll have to respond to any issues or concerns they have like a broken toilet or noisy neighbor , which could be a significant time commitment if you don't have a property manager. Owning a rental property additionally comes with some stress and uncertainty. There may be times when your property sits vacant. Other times, a rowdy tenant might cause damage that needs your attention immediately.

If you're already stretched thin in both time and money, being a landlord might not be the right choice at this point in your life. However, if you have determination and grit, owning a rental property can be a great option. Especially when buying your first rental property, you need a great team to help. Your team should include professionals like a real estate agent, real estate attorney, home inspector, appraiser, property manager, contractor, and more.

Your real estate agent is a helpful resource for finding top-notch professionals. A good real estate agent and investment team are key to being a successful investor. This may seem obvious, but you'll need to be in good financial standing to buy a property. If you have a lot of debt or other monetary commitments, it can be hard to find extra money to buy and manage your property.

Having a sizable down payment also means you'll have a lower monthly mortgage payment. After saving your down payment, you should look for a mortgage. Loans for investment properties are considered riskier by lenders. So, you have to meet higher requirements to qualify — like a good credit score, debt to income ratio, and personal savings. Once you meet the requirements, you can shop around for a mortgage with the most favorable terms like a lower interest rate.

You can also pay for your property in cash. This option can cut your expenses and make it easier to deal with vacancies because you have no mortgage payment. It can take a while to save up to buy a rental property in cash so this may not be feasible for everyone. Whatever method you choose to buy your rental property, you'll need to do some research before beginning the buying process. Choosing the right location can increase your profit, make it easier to find tenants, and minimize damage to your property.

The wrong location can doom your investment from the start. Do you want to buy a local rental property? Or do you want to buy a property in another city? Consider market trends — like whether the area is growing or shrinking in value. You should also consider whether the location has desirable amenities, such as good schools, close shopping, and outdoor activities.

This can give you an idea of how much your rental could make compared with the purchase price. If purchase prices are high and rental rates are low, you should probably avoid the area. Do you want a single family or multifamily property? Do you want a free-standing house, duplex, condo, townhouse, or some other property type?

As a first-time landlord, you might want to choose a smaller property type. Instead of buying a 10 unit multifamily property, you likely want to start with only a few units. You should evaluate each property that is a serious contender for profitability.

Otherwise, you could be stuck with a money pit of a rental property. To determine profitability, you first need to know what you could charge for rent. Then you need to subtract expenses from your expected rent.

Your mortgage, taxes, and insurance are one category of expenses to consider. You also need to take into account reoccurring costs — like pest control, landscaping, or a property manager.

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