Buy Properties Below Market Value

FLIP, the third book in the National Bestselling Millionaire Real Estate Series (More than 500,000 copies sold!) FLIP provides a detailed, step-by-step process to analyze each investment, identify the best improvements, accurately estimate the costs and intelligently oversee the construction. It takes out all the guess work and almost all of the risk. Here’s what industry experts are saying about FLIP: “Read this book before you flip that house! FLIP is an indispensable step-by-step guide to flipping houses that you will refer to again and again.”-Carlos Ortiz, Executive Producer, “FLIP That House” (TLC’s most popular real estate TV show) “At HomeVestors, we’re in the business of buying and selling homes for profit and I can attest that there are few, if any, who can rival Rick’s and Clay’s expertise when it comes to fixing up houses for profit. This book is a must-read for any investor.”-Dr. John Hayes, President and CEO of HomeVestors of America (the largest homebuy (more…)

The Fourteenth Edition of Real Estate Finance and Investments prepares students to understand the risks and rewards associated with investing in and financing both residential and commercial real estate. Concepts and techniques included in the chapters and problem sets are used in many careers related to real estate. The material in this edition is also relevant to individuals who want to better understand real estate for their own personal investment and financing decisions. The Fourteenth Edition is designed to help students learn how to evaluate the risk and return associated with the various ways of investing and lending. Upcoming students who are interested in this field can use this book as a guide to perform the right kind of analysis to make informed real estate finance and investment decisions.

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Yes, you really can sell your house fast without feeling like you are being taken advantage of. Here is the deal, my neighbor Jim just moved into the Atlanta, Duluth area only four months ago on a job transfer. His big challenge was selling his other house on the west coast. He was not able to buy another home until he had that one sold. It took him over 8 months to sell that house and during that time he was renting in a rather run down neighborhood in Atlanta. He did eventually get that old house sold and bought his next home right across the street from me. Jim and his family have been great neighbors now for almost four months, but then his company calls him with another opportunity with a big raise. What a great deal, but it requires Jim to have to plan another move just months after he bought his new $350,000 house in Duluth Georgia.

Can you imagine, relocating twice within four months, but even worse, having to move your family and belongings from two different cities into tow different cities in only four months? Ouch

Well, not really knowing the area, Jim asked me if I knew of a realtor in the area that would be able to sell his house fast without loosing his shirt. Turns out that Jim spoke with several Realtors and it wasn’t pretty at all. Including all the holding expenses, Realtor commissions and closing costs, etc, etc, would cost him thousands of dollars he did not have.

Jim had to make up his mind if he was going to take the job opportunity that had come up, he really wanted to but he wasn’t sure how he was going to sell his house in Dacula. That is when it happened. I did a Google search for “We Buy Houses in Atlanta Georgia” and found what Jim was looking for. A online “we buy houses” company that sounded fair and honest, but you never know, so I completed the online questionnaire on behalf of my new neighbor and used my telephone number. I didn’t know all the numbers on Jim’s Mortgage and such, but I explained to them what the situation was and asked if they knew of a solution for Jim and his new house.

We-Buy-Houses-Atlanta-Georgia.com called me back within 3 hours and did offer a solution. They would buy his house and get it off Jim’s credit so he could move on with his his life. Sound too good to be true? Well, it wasn’t. I called Jim to let him know what I found and he contacted them. They came over, looked at Jim’s house and his situation and guess what. Turns out these guys buy and sell houses all over the country and they had a beautiful house in the city he was moving and he closed on that one in less than a month.

How cool is that, honest, fair and genuinely good people. Don’t be afraid to use We-Buy-Houses-Atlanta-Georgia.com, after what I have seen I will use them myself when I ever decide to move. They really made it simple for Jim and I am glad I was able to help.

Are you thinking of hiring a real estate agent to sell your Duluth home quickly?

Selling a house is usually a expensive and complicated process. That’s why real estate agents make such big commissions (often thousands and sometimes tens of thousands of dollars) on a single home sale. And most successful agents in Duluth, Georgia usually have 5, 20 or 20 houses listed at any given time knowing that these houses will probably sell within the next 3 to 6 months or longer. Since most of the good agents have so many listings, it’s rare that they will spend the time, money and personal attention needed to sell your house quickly. If you don’t have much equity in your home, your home selling options are even more limited. You may have to write a big check at closing in order to sell your Duluth house and cover any negative equity, closing costs, taxes, etc in addition to your agent’s large commission check.

There is a better way to sell your Duluth house faster, easier and more conveniently than ever before!

If you don’t want to sell your Duluth house for sale by owner or through a real estate agent, there is a much better solution… Sell your home to us in 7 days or less! We buy houses in Duluth Georgia in 7 days or less and we want to buy your house! We are not real estate agents who want to list and sell your house for a commission. We are local professional home buyers who want to buy your Duluth house and can do so quickly, often in 7 days or less with no commissions to pay. We buy houses from people just like you, in neighborhoods just like yours, in any area, condition or price range in Duluth, Georgia and the surrounding areas such as Sugar Hill, Buford, Cumming and Dacula, Georgia. We buy houses in other towns and cities across Georgia such as Atlanta, Augusta, Macon, Savannah, Valdosta, Gainesville and Athens. We buy newer houses, older houses, pretty houses and even ugly houses that need major repairs. We specialize in finding creative solutions to ugly real estate problems and situations that real estate agents and other traditional and professional home buyers just won’t touch. We can pay you all cash, take over your monthly mortgage payments or lease-option your house immediately! We’ll handle all of the paperwork, make all the arrangements and can close within a few days if necessary. You’ll get a quick sale with no hassles so you can put your home selling worries behind you once and for all.

Do you want to sell your Duluth, Georgia home in 7 days or less?

We buy houses in Duluth Georgia in 7 days or less and we want to buy your house fast! To find out if your Duluth home qualifies for one of our fast home purchase programs, please take a moment to complete our Online Seller Questionnaire at www.we-buy-houses-atlanta-georgia.com. Tell us all about your Duluth house for sale and we will get back to you about buying your house ASAP. If your Duluth home qualifies for one of our fast home purchase programs, one of our local professional home buyers will schedule an appointment to come out and inspect your property, take some photos and make you one or more offers to purchase your home on the spot! Selling your Duluth, Georgia home has never been faster, easier or more convenient!

To sell your house fast in Atlanta Georgia please complete our Home Seller Questionnaire.

Tennessee property taxes which are collected at a local level are primarily the sources of funds for the local government of Tennessee. The counties and cities within the bounds of Tennessee rely basically on the property taxes collected in the locale. Social services like public libraries, public schools, and fire and police support are primarily funded by the collected Tennessee property taxes. The biggest bulk of these funds is channeled to the education sectors or the public schools.
The tax rates collected from residents of Tennessee are determined at the local level; of course, vary according to factors needed to be considered. However, the general tax rate in the place is not high. The rate or amount of Tennessee property taxes that you’ll have to pay, like in the usual cases in most sates, is primarily dependent on two major factors: millage rate and the market value of you home. A tax assessor assigned by the local government will estimate the market value of your home and will also tell you its computed value. After that, the property will be subjected to a reassessment mainly due to tax purposes once in every six years. A much higher value of the Tennessee property taxes at the time of the valuation, however, does not entail an increase in your tax.
At the time the local budget is already created, the tax department will then use the combined property values together with some revenue requirements to determine the accurate millage rate. Frequently, the computed millage rate will be based on 25 percent of the market value computed instead of computing the full market value of the subjected residential property. Meanwhile, commercial properties have 40 percent of the computed market value as the tax rate. When the local government is planning to increase the rates, a public hearing is required before approving the increase; meanwhile, they can opt to lower the rate any time.
Tennessee has the 40th spot on the property taxes paid by the residents, among the different states of the United States. In Tennessee, an average homeowner pays around $794 annually as Tennessee property taxes for having a home worth $114,000.
If you think that the local tax assessor estimated a very high market value of your home, you have the right to question his valuation. The appeals with tax assessors are usually discussed during the motnhs of May and June every year. If you are still resolved with the value presented by the tax assessor, you can bring your appeal to the county commissioners and even to the councilmen of your city in July. If it was proven that the market value estimate was too high, the Tennessee property taxes will be deducted.
Contrary to the ways of the other states, Tennessee does not have the homestead exemption offer for the homeowners. Perhaps, it is because the state does not impose taxes on wages and salaries; although there is a fixed 6 percent rate for bonds and stocks.
There are exemptions in Tennessee property taxes, but are only for the disabled, elderly, and veterans.

Introduction
Interest rates for savers generally follow inflation trends and statistics show that these gains are always positive unless you are very unlucky. The reason why so many people invest in Banks is because they are usually a safe bet. Indeed, often your savings will be guaranteed.
Money in a savings account is usually a safe investment but the return can sometimes be limited for the investor when compared to other options.
There are many opportunities for investment depending on the level of risk an individual is prepared to take. These forms of investment might include stocks and shares, endowment insurance policies, pensions etc. We are focusing our attention on the property market where our expertise is. Stability of Property Values
In real terms although property markets do suffer from peaks and troughs, property does increase in value in the long term. Recently in some areas, property prices have actually gone down, this is due to the economy which has an effect on supply and demand. An over supply of property can easily reduce property prices when the property market is struggling.
Property prices do go down but history has shown that they always recover and they are stable in the long term. Steady or significant increases in property prices are usually the norm.
Whilst there can be no guarantee that property prices will increase over say, a one year period it is generally accepted that a well maintained property in a reasonable area will appreciate in value.Interesting Statistics
The following statistics make interesting reading:

Most of the western world, if not the entire first world, seems to be reporting that property market price inflation is decreasing or stalled. In the worst-hit areas we even hear tales of a lowering of house prices and negative equity for some unfortunate new homeowners who jumped on to the property bandwagon at the peak of the recent property boom. High Street inflation never lets up, so itâ??s natural for property investors large and small to feel that the end of the world is nigh.

This state of mind is undoubtedly an over-reaction. The human psyche drives modern man to ensure he has a place he can call home in the shortest possible time after leaving his childhood days behind in the former family house. Fair enough â?? but does this man of our times actually have to own his home outright, in theory at best? And more tellingly, does this man have a god-given right to expect that with home ownership comes enough lifetimeâ??s wealth to be able to retire from working for an income at his chosen time? The latter scenario is a common desire, and it is based upon the premise that property values will always rise faster than other commodities.

We are now finding in Ireland and elsewhere that we have come to the end of a period where property value inflation was outstripping general living cost rises. But we should not be surprised because we have had these ups and downs before. The general trend though is that property prices commonly rise again fairly rapidly after periods of stagnation. Itâ??s all about supply and demand.

The demand for new homes or at least of people looking to move house will never cease. Why? Because many old homes become dilapidated for a start. Then we have the new young families who need their own space and cannot expand into the limited environs of parental homes. On top of that, the modern world economy relies upon many workers who must be mobile throughout most of their working lives, thereby prompting housing development and property transactions countrywide and often internationally. And donâ??t forget those that opt to upgrade or downsize by choice due to family or personal needs.

What about the supply side? The builders canâ??t build fast enough in boom times because handsome returns on their property investments are almost guaranteed. If landbanks are purchased just prior to a stalling of property sales prices, then naturally there is no rush to build and sell at reduced profit margins. So any oversupply rate reduces until it balances demand. This is the period being experienced in many parts of the US and Europe at present.

In Ireland currently, un-named property commentators repeatedly get column inches reporting that house prices have dropped by nearly 10% in just 12 months. This type of statement is more than likely associated with party politics prompted by the Irish governmentâ??s opposition rather than informed economic commentary.

Letâ??s take a quick look at what the â??Irish House Prices in Freefallâ? sensational headlines really mean when based on the 10% drop in a year statistic. The house price index is based on sales closure prices, not size of property or land acreage; these latter factors generally tend to grow on average at a moderate rate over each decade because we all want bigger and better homes regardless of our individual domestic needs. So bear in mind that the average price of a house per country tends to grow because the asset is getting bigger as well as reflecting local general economy inflation.

In Ireland last year, the average price of a house had risen incredibly to over â?¬300,000 from nearer to â?¬200k a decade earlier. That statistic is part of the local Celtic Tiger boom folklore which lending institutions rammed down our throats when selling home loans and risk-laden mortgage deals up until just a few months ago. The 2007 â?¬300k average home was a bit bigger and better than houses available in the year 2000, but it was obviously grossly over-valued in real terms. It didnâ??t cost that much more to build than the average house completed and sold in 2000, evidenced by the great numbers of new self-builders who wanted a share of the money-spinning action.

In mid-2008, the average price of a house in Ireland is â?¬275,000. This seems to be getting closer to a sustainable valuation (if you seriously want to sell, that is) for the average property size available which is typically 3 bedrooms, multiple bathrooms and all the latest mod-cons. A bonus in rural Ireland is that you might even get a generous half-acre of land thrown in.

So the â??sensationalâ? loss of over â?¬25,000 on average off every Irish homeownerâ??s wealth is not a true loss as such at all. It is just a realisation of long-term property asset value. Anyone who spent their invisible extra â?¬25k in less than 12 months was a greedy fool, and we shouldnâ??t have any sympathy for them if they donâ??t display the caution and prudence of serious property investors.

Anyway, it will not be long before the local property market detects the first signs of increased demand again. Sellers will start hiking up prices and the whole cycle will slowly start to revolve again in our favourite upwards direction.

So the conclusion is â??donâ??t panicâ? and take some time to reflect on why existing homeowners feel uneasy every time this cycle reaches its low point.

Property is a reasonably sound investment, and it gives the buyer the obvious immediate attraction of having somewhere to live (or work in the case of commercial premises). However there are other ways to exist comfortably which donâ??t involve organising your life around the demands of meeting hefty monthly mortgage repayments and fretting about why the value of your property doesnâ??t always rise at a consistent rate.

Many young people are opting to rent property. The so-called home-owning critics immediately shout that house rent is â??dead moneyâ?. To a degree, yes, but if renting frees up income to invest in markets which donâ??t fluctuate in boom & bust cycles, then isnâ??t the oft-struggling mortgage payer something of a hypocrite? And who actually owns the majority of private domestic homes anyway? If a homeowner misses a mortgage payment you soon find out that the big financial institutions cold-heartedly treat lenders as no better than tenants of real estate upon which their businesses are founded. And furthermore, as tenants with much less rights than conventional renters of property who have fair and equitable rental agreements with their landlords to rely upon in times of hardship.

Itâ??s interesting to note that in previous generations the majority of house dwellers were tenants, particularly in towns and cities. Most homeowners can probably quote that their parents or grandparents lived in rented accommodation, and that is a reason why they strive to ensure that they and their dependants have the security of home ownership. What security, if you worry about why your investment and lifestyle is not always as good as you dreamt? Our ancestors survived, without the disposable income levels of today, so perhaps the property rental option should not be dismissed so readily.

Maybe the biggest lesson to be learned by property investors when global economy growth recedes is that only a few property types are guaranteed to grow in value (in the longer term) at a rate generally in excess of other inflationary factors. These are the well-maintained properties in desirable locations whether they be urban or rural. Funnily enough, my experience tells me that these properties are likely to fall into the cheaper price category or the other extreme, the high-end luxury home. The middle range property, by its very nature, forms the bulk of property sale listings, so the seller struggles to promote his property above the multitudes of similar priced homes or sites.

I suppose it can be summed up as follows:

Property buyers, renters or vendors in all three of these categories can benefit greatly from registering with web-based property advertising portals such as my own site (www.Propertysteps.ie). The exclusive luxury homes and the lower-end smaller properties are instantly brought to the fore from hundreds of listings by easy-to-use search functions which detect price range and/or location. The more attractive middle range properties also benefit in that household features and property type listings enable the website browser to easily compare the best value for money of numerous properties in a chosen location.

In Ireland, where we are based, I can report that Property Agents say that websites such as ours have contributed greatly to stability in the mid-price range domestic property market. Sale closures in this category, for sensibly priced houses, are regular and commonplace, thereby propping up the market in general. This contradicts the doom & gloom reported in the media, no doubt created by â??worriedâ? homeowners who arenâ??t even active in the buying and selling of property. The lazy expectation that easy money can be made simply by buying and living in a home for life smacks of greed, not reality. These merchants of doom should be ignored.

We also read in the press about the owners of expensive houses for sale having to dramatically slash prices to arouse interest. Probably, not maybe, the asking price was unrealistic and based upon outdated market value. The eventual selling price of a luxury home will still have made the purchase a sound investment if it was bought at any time except the very peak of the recent boom. Again, I can report in Ireland that Agents say that there is still a waiting list for desirable upmarket properties. The best of these homes are sold via website mailing lists or by the uploading of the property brochure to Propertysteps.ie and similar internet property portals.

For a fraction of the cost of press advertising, our best value for money website gets quick results. Often you never even see a For Sale sign being erected for property in the more exclusive address category, yet new occupiers appear and everyone involved in the transaction is delighted. You donâ??t read about these everyday success stories in the media; it appears to me that only boom, doom or gloom stories sell newspapers when the local economy is discussed.

Everyday, new homes are listed throughout the country. While there are many factors that can impact how quickly a particular home sells, one issue is often overlooked by frustrated sellers. If a home fails to entice any buyers within one month, chances are the listing price is not right. Generally, the listing price should be in line with the current market value of the home. However, many sellers don’t realize that the market value of a home is impacted by many more factors than simple square footage and the quality of the appliances. If you need help determining the market value of your home and setting the right price, talk with your real estate agent and consider some of the tips outlined here.
One of the first steps a seller may want to consider when determining the appropriate property value is a comparison with recently sold properties. By comparing the square footage, lot size and overall amenities of your home to those that have already sold, you and your agent may gain some valuable insight into the true market value of your property and assistance in setting the asking price. Also, as you get closer to putting your home on the market, try to keep track of other properties listed in the area. By looking at current listings, determinations can be made about how well homes in the neighborhood are selling and how your assessment of your own property compares with similar sellers.
Regardless of how long you have lived in the home, take account of your personal investment. If you have lived in the home for several years, you have probably made a number of repairs or upgrades to the property. As you prepare to list your home, take notes on any such improvements and consult your personal records if necessary. By assessing the value of improvements made to the property, you will be able to work with your agent to determine how your investment affects the current market value of your home.
One of the best ways to determine how your home’s amenities impact the value is to make a detailed list of the property’s features. Your list should include all recent updates to the property, any items that might require repairs and an assessment of the home’s overall condition. After compiling your list, work with your agent to establish how each individual feature impacts the overall value of the home and the eventual asking price.
When trying to calculate the market value of your property, you should also account for the neighborhood. Consider how factors such as nearby schools and the proximity to desirable businesses or recreation areas might interest prospective buyers. Furthermore, depending on what type of home you own, you may want consider the home’s location within the neighborhood. A home located at the end of a cul-de-sac can have added value for families with young children hoping to avoid high traffic streets.
After you have analyzed the previous factors, home buyers should try to work with their agent to set the right price for listing. A list price that is either too high or too low could pose a number of problems for a home seller.
If the list price on your home is too high, you may not receive any serious offers. After your home has been on the market for 30 days or longer, buyers may also come to see your property as less desirable. Furthermore, buyers expect sellers to reduce prices and be more responsive to offers if the home has spent more than a month on the market.
On the other hand, if the list price is too low, you will not earn what you truly deserve. In some cases, home buyers might also assume that the house has a number of flaws or is otherwise undesirable when the list price falls too far below the market value. After working with your agent to determine the market value of your home, you should consider setting your list price as close as possible to home’s current market value.
As you prepare to sell your home, there are a number of factors to consider when determining the appropriate property value and listing price. You will have a good starting point if you are able to educate yourself about both local and national market trends. Then, by gaining an understanding of how your home stacks up to the rest of the market, you will have an opportunity to set an informed price that corresponds to the home’s true market value. Finally, be sure to work with your real estate agent and let his or her experience and knowledge guide your decision.

Even the most optimistic and upbeat property developers in Ireland must now be accepting that the sales values of new and refurbished properties returned in the residential market in 2006 and early 2007 were unsustainable. It is hard to believe that some of these practised entrepreneurs are a little shocked at the realisation that property prices cannot rise and rise at rates far in excess of general domestic inflation levels.

As a nation, Ireland should be proud that it was able to combat and overturn its historic residential housing shortage within a single decade since the year 2000. This achievement was even more commendable when one adds that the country also catered for thousands of their own returning Irish emigrants plus economic immigrants from fledgling eastern EU states spurred on by tales of Celtic Tiger riches for all. The building boom needed extra foreign workers to complete the developers’ ambitious plans in record time, and the workers in turn needed new homes to live in, temporarily at least in many cases.

The speed of building was great for the developer. Mass production leads to the lowest possible site costs and outgoings. The rapidly rising population of newcomers to the Irish state initially opted mainly for short-term leasing of new homes. Rental incomes for landlords and developers went into overdrive. In a booming economy, property values tend to get ascertained from the forecast rental capacity of a housing or commercial unit rather than a calculation based upon the cost of the land plus “bricks & mortar”. This scenario is fine if rent inflation stays in line with general price increases for the domestic consumer. But Ireland’s property market overheated and got out of sync with the general economy.

By 2004 & 2005, new house buyers had to accept valuations driven upwards by comparisons to potential rental income from equivalent tenants. The banks and mortgage brokers were happy to lend large sums for the purchases of property which seemed certain to have ever-increasing capital value. With big mortgages readily available, house sales in prime urban areas were closed at prices now an incredible three times higher than market rates of the late 1990’s. House prices in the outlying rural locations followed suit.

A national growth market was well established and builders large and small invested in development sites nationwide. The banks could freely lend to developers knowing that regular sales kept the cash circulating, and house-buyers were content to take on high mortgage repayments in the knowledge that their investment was sound (according to the lenders and their own economic commentators).

In hindsight, it is obvious that the “boom” had to end somewhere. When saturation point is reached in terms of supplying the housing demand, sales naturally decrease. Then extra sales are forced or encouraged by offering discounted sale prices. Before you know it (as first seen in Ireland last year) the market value for a commonly available property type falls for the first time in years. Most buyers are not fools, and the next wave of sales is influenced by the demands of customers seeking out improved bargain offers. The developers should not be shocked to realise that just as they were happy to support the rapid escalation of property prices (whilst lining their pockets) they are now the primary instigators of house price reductions and the much-needed re-stabilisation of the property market in general. They certainly cannot blame the consumers and lenders who bought into their grand schemes in previous years.

As an example I can summarise the exploits of one typical Irish property developer who, whilst remaining nameless, is honest enough to quote a few facts and figures. In 2003, after dabbling in a few small but successful self-build schemes, an opportunity presented itself to buy some land with imminent planning permission for residential homes. The land alone would be a good investment as it was forecast to almost double in value in a matter of 2 or 3 years when surrounding plots were developed. So the land is purchased and our investor is soon persuaded by local success stories to fund the building of a couple of upmarket large family homes.

By 2004 he can report that a total outlay of just over €500,000 per unit buys him a highly saleable asset worth €1 million when finally presented to the market in early 2005. A fantastic profit margin which would have been difficult to match anywhere in the property world. However, his financial advisors are quick to tell our developer that desirable high-end property values are forecast to rise by around 40% per annum for the foreseeable future. If he holds on to his new developments for a year or so, maybe getting some short-term rent into the bargain, these units costing half a million euros to build would zoom into the €1.5 million plus category during 2007, making him a millionaire (in theory). He could now borrow even greater sums and expand his property development empire.

When 2007 arrived, our developer was delighted to see similar-sized homes selling for as much as €2 million. He borrowed even more money and developed more sites, dazzled by his accountant’s reports of unexpected wealth. Almost undetected at first, the boom then faltered. A few sellers in the market needed quick cash and sold their assets at a little less than previous peak values. A trickle of cut-price offers became the market-place norm. Our “millionaire” developer had never actually sold a property in the boom years. His stock had to be re-valued at realistic 2008 rates, tax bills paid off and big loans repayments were eating away at his bank balance. He had no option but to dispose of a few units …… and quickly.

Not long ago, our developer and multiple property owner had been a typical key player in hiking up and relying on house valuations in a market of high demand. Now he is instrumental in seeking a much fairer price for his commodity. After a couple of sales, he is still a comfortably wealthy man. But he cannot afford any more investment in an uncertain market. So there will less building completions for a few years as he and his fellow boom-time developers cool off and invest in other places. When new home demand is high enough again in Ireland, the cycle will begin once more, only this time the pace of development will not be so hectic. Steady growth will lead to a much more stable and secure Irish housing market in years to come.

Residential building output in Ireland has fallen by one third in the last 12 months. That figure demonstrates how “over-developed” the property market had become, driven on by over-zealous financial investment. The market simply overheated in a fairly unique set of circumstances, so the corresponding cooling-off period will probably take a little longer than we all hoped. House sale price reductions have lessened on my website in the second half of 2008, so there is evidence that stability has commenced in the Irish property market. A sustained period of stable, sensibly priced Irish homes will help everyone in the longer term.

Written by

Susan Salkeld

Proprietor of Propertysteps.ie  -  where you can read more on property matters, or advertise property and related services located in Ireland or worldwide.