Investor Insights

Mayor Justin Bibb’s new executive order aims to combat lead poisoning in Cleveland with stricter abatement measures and enhanced lead-safe certification processes.

Yes, it’s true—Ohio is a tenant-friendly state when it comes to rental properties. During good times, this might not seem significant. But when issues arise, landlords who aren’t properly prepared can lose both time and money dealing with evictions and disputes. Here’s an unfortunate story about Craig, who learned the hard way about the importance of rental registration: Craig had always dreamed of becoming a successful landlord. He invested in a property in Cleveland, hoping it would provide a steady stream of income. For a while, everything went smoothly. His tenants paid rent on time, and the property was well-maintained. However, things took a turn for the worse when one of his tenants stopped paying rent. Craig tried to resolve the issue amicably, but after several months of missed payments, he decided it was time to evict. Confident in his decision, he headed to the local courthouse to file the necessary paperwork. There, the court clerk informed him that he couldn’t proceed with the eviction because he didn’t have an occupancy permit for his property. Craig was stunned. He had overlooked this crucial document, assuming it wasn’t necessary. The clerk explained that without an occupancy permit, his property wasn’t legally recognized as a rental unit and not in compliance with the Resident’s First ordinance. This meant he couldn’t legally evict his tenants or enforce any rental agreements.   Frustrated and disheartened, Craig realized he had lost several months’ worth of rent, amounting to thousands of dollars. Additionally, the time he spent trying to resolve the issue with his tenant and preparing for the eviction was wasted. Now, he had to go through the process of obtaining an occupancy permit before he could refile the eviction notice. The process of obtaining the permit was tedious and time-consuming. Craig had to ensure his property met all local housing codes and regulations, which required lead inspections and repairs. This added to his expenses and further delayed the eviction process.   As Craig navigated this challenging situation, he realized the importance of adhering to local laws and regulations. The experience was a costly lesson in the significance of rental registration and compliance. He vowed never to overlook such crucial details again, understanding that proper documentation was essential for protecting his rights as a landlord and ensuring the smooth operation of his rental business. In the end, Craig managed to obtain the occupancy permit and successfully evicted his non-paying tenant. However, the ordeal left him more cautious and diligent. He now ensures all his properties are fully compliant with local laws, recognizing that the time and effort spent on proper registration and documentation are invaluable in avoiding future headaches and financial losses. With the support of a property manager like Dwelling Network, Craig’s experience could have been different. We prioritize compliance with all local ordinances designed to protect tenants, but this proactive approach also safeguards landlords. By ensuring your property is registered with the city, whether it is Cleveland or a suburb, we can take swift action when tenants violate their rental obligations and avoid costly fines. Don’t let this happen to you. Check with your current property manager about your compliance status and take immediate steps to ensure everything is in order or inquire how Dwelling Network can help you get your properties back on track.

Owning rental property can be a lucrative investment, providing a steady stream of income and potential long-term appreciation. However, with ownership comes responsibility, and one of the most crucial responsibilities is ensuring that your property is adequately protected by having landlord insurance. Even if you own your rental property outright and have no mortgage, having landlord insurance is essential. Here’s why: 1. Protection Against Property Damage Rental properties are susceptible to various types of damage, including natural disasters (like floods, earthquakes, and storms), fire, vandalism, and accidental damage caused by tenants. Insurance can cover the cost of repairs or rebuilding, saving you from significant out-of-pocket expenses. For instance, recent high winds in Northeast Ohio, with gusts reaching up to 90 mph, caused extensive damage to properties, including downed trees and power lines. 2. Liability Coverage As a property owner, you could be held liable for injuries or damages that occur on your property. For instance, if a tenant or visitor slips and falls, you might be responsible for medical expenses and legal fees. Liability coverage in your insurance policy can protect you from these potentially devastating financial claims. 3. Loss of Rental Income If your property becomes uninhabitable due to covered damages, you could lose rental income during the repair period. Rental property insurance often includes loss of rental income coverage, ensuring you continue to receive income even when your property is temporarily out of commission. 4. Tenant-Related Risks Tenants can sometimes cause intentional or unintentional damage to your property. While security deposits can cover minor damages, significant repairs might exceed the deposit amount. Landlord insurance can help cover these costs, providing peace of mind. 5. Compliance with Requirements In some jurisdictions, landlords are required by law to havecertain types of insurance. Even if it’s not legally mandated, rental homeowner’s insurance is often required by home owner associations (HOAs), condominium associations, lenders and property management companies.  6. Peace of Mind Owning rental property comes with its share of uncertainties. Having comprehensive landlord insurance provides peace of mind, knowing that you are protected against a wide range of potential risks. This allows you to focus on managing your property and tenants without constantly worrying about unforeseen events. A Cautionary Tale: The Uninsured Property Owner Consider the story of Micah, a rental property owner who decided to forgo insurance to save on premiums. Micah owned a charming duplex in a bustling neighborhood, which he had purchased outright with his savings. For years, he enjoyed a steady rental income and had no major issues with his tenants.   One fateful night, a fire broke out in the property due to an electrical fault. Fortunately, the tenants were unharmed, but the fire caused extensive damage to the building. Without insurance, Micah faced the daunting task of covering the repair costs himself. Unfortunately, he did not have the financial resources to rebuild.   As a result, Micah was forced to sell the property at a fraction of its original value. The months following the fire were financially devastating, as he lost rental income and had to deal with the stress of selling a damaged property. This experience underscored the importance of having insurance, as it could have provided the financial support needed to rebuild and continue generating rental income. While it might be tempting to forgo insurance to save on premiums, the potential costs of not having coverage far outweigh the savings. Landlord insurance is a vital tool for protecting your investment, ensuring financial stability, and providing peace of mind. Whether you have a mortgage or own your rental property outright, having the right insurance coverage is a smart and necessary decision for any property owner.

Cleveland, Ohio, known for its rich history and vibrant culture, is also grappling with significant challenges in its affordable housing market. As home prices rise and demand for affordable housing increases, programs like Section 8 are facing numerous obstacles, affecting both tenants and property owners. The Current State of Cleveland’s Housing Market The Cleveland housing market has seen a notable increase in home prices over the past year. As of June 2024, the median sale price of a home in Cleveland was $125,000, up 7.8% from the previous year. Despite this increase, Cleveland remains more affordable compared to many other U.S. cities, with the median sale price significantly lower than the national average. However, this affordability is under pressure due to rising demand and limited housing supply. Challenges Facing Section 8 Programs Section 8, also known as the Housing Choice Voucher Program, is designed to assist low-income families, the elderly, and the disabled in affording decent, safe, and sanitary housing in the private market. However, several challenges are hindering the effectiveness of this program in Cleveland: Limited Availability of Suitable Properties: Many properties in Cleveland do not meet the Housing Quality Standards (HQS) set by the Department of Housing and Urban Development (HUD). Aging infrastructure and outdated amenities make it difficult for properties to qualify for the program. Lengthy Waiting Lists: The demand for Section 8 housing far exceeds the supply, leading to long waiting lists. Some families wait years before securing a voucher, which can lead to financial instability and, in extreme cases, homelessness. Bureaucratic Red Tape: Navigating the application process for Section 8 can be daunting. Applicants must gather extensive documentation, undergo background checks, and sometimes face interviews. Frequent changes in regulations add to the complexity, making it challenging for applicants to stay informed and compliant. Rising Rent Costs: Economic development and urbanization in Cleveland have driven up rent prices. This trend makes it harder for Section 8 voucher holders to find affordable housing, as landlords may prefer tenants who can pay market rates. Discrimination from Landlords: Some landlords in Cleveland are reluctant to accept Section 8 vouchers, either due to stigma or the perceived hassle of dealing with government regulations. This discrimination further limits housing options for voucher holders. Other Affordable Housing Programs in Cuyahoga County In addition to Section 8, several other programs and organizations are working to provide affordable housing in Cuyahoga County: CHN Housing Partners: This organization provides affordable housing and homeownership opportunities to low and moderate-income families. They offer single-family homes and apartments at affordable rates, along with various support services such as utility bill assistance and foreclosure prevention. Low-Income Housing Tax Credit (LIHTC) Properties: These properties offer reduced rents to eligible low-income tenants. Many apartment complexes in Cuyahoga County participate in the LIHTC program, providing a significant source of affordable housing. Emergency Rental Assistance Programs: Cuyahoga County offers several programs to help residents struggling to pay their rent and utility bills. These programs provide temporary financial assistance to prevent eviction and homelessness. Importance of Working with a Qualified Property Management Company Navigating the complexities of affordable housing programs and ensuring compliance with various regulations can be challenging for property owners. This is where a qualified property management company can make a significant difference: Expert Guidance on Renovations and Improvements: Property management companies have the expertise to advise on necessary renovations and improvements to meet Housing Quality Standards (HQS) and other affordable housing guidelines. They can help property owners prioritize upgrades that will make their properties eligible for programs like Section 8. Streamlined Rental Processes: Experienced property managers can streamline the process of renting to tenants with housing vouchers. They handle the extensive paperwork, coordinate inspections, and ensure compliance with all regulations, reducing the administrative burden on property owners. Tenant Screening and Placement: Property management companies can efficiently screen and place tenants, ensuring that voucher holders are matched with suitable properties. This helps reduce tenant turnover and maintain stable occupancy rates. Ongoing Property Maintenance: Regular maintenance and timely repairs are crucial for keeping properties in compliance with affordable housing standards. Property management companies can oversee these tasks, ensuring that properties remain in good condition and continue to qualify for housing programs. Maximizing Rental Income: By ensuring compliance and maintaining high occupancy rates, property management companies can help property owners maximize their rental income while contributing to the availability of affordable housing in the community. Conclusion The affordable housing market in Cleveland is at a critical juncture. While programs like Section 8 provide essential support to low-income families, the challenges they face are significant. Addressing these issues requires a concerted effort from policymakers, community organizations, and property owners to ensure that affordable housing remains accessible to those who need it most. By working together and leveraging the expertise of qualified property management companies, Cleveland can continue to be a city where everyone has the opportunity to find a safe and affordable place to call home. Invest in the affordable housing market in Cleveland with the help of Dwelling Network, a professional property management company that can handle all the regulations, compliance, and tenant issues for you. We have the experience and expertise to work with various programs, such as Section 8, LIHTC, HOME, and others. We can find you qualified tenants, collect rents, perform inspections, handle repairs, and keep you updated on the latest changes.

The thrill of purchasing a home can be matched with the daunting task of obtaining a mortgage. One of the most important initial steps is gaining pre-approval for a mortgage, which not only establishes your purchasing power but also signals to sellers your commitment as a purchaser. Before delving into the pre-approval process, let’s differentiate between being prequalified and being preapproved.   Prequalification for a loan signifies that you’ve received an initial estimation from a lender on the amount you might borrow, based on self-reported financial data, without extensive verification. This step is relatively swift and can be completed online or via telephone, but it doesn’t promise final approval or constitute an offer for a loan.   In contrast, preapproval requires an in-depth examination of your finances and creditworthiness. Lenders will confirm your income, assets, liabilities, and credit records to determine a more precise loan amount that you qualify for.   Preapproval stands as a quasi-guarantee to extend credit to you up to a certain amount. For those aiming to purchase a home, attaining preapproval should be your target. Let’s navigate the path to becoming pre-approved. 1. Gather Your Financial Documents Before you start the pre-approval process, you’ll need to gather several key financial documents. These typically include: Recent pay stubs W-2 forms from the past two years Federal tax returns from the past two years Bank statements from the past few months Documentation of any other sources of income Information on long-term debts like car loans or student loans Having these documents ready will make the process smoother and faster. 2. Check Your Credit Score Your credit score is a critical factor in determining your eligibility for a mortgage and the interest rate you’ll receive. Check your credit score and report to ensure there are no errors or issues that need to be addressed. If your score is lower than you’d like, consider taking steps to improve it before applying for pre-approval. 3. Research Lenders Not all lenders are the same, so it’s important to shop around and compare options. Look for lenders that offer competitive rates and good customer service. It’s essential to compare different lenders as they vary significantly. Look for those with competitive interest rates and excellent customer service. You might begin with your own bank or credit union but consider looking into online lenders as well.   Choosing the right lender can notably enhance your purchasing power in several ways: A recognized lender with a solid reputation can boost seller confidence when making an offer. A lender offering a diverse array of products, including assistance with down payments and closing costs. A lender proficient in accurate income calculation. A lender with reasonable and adaptable underwriting processes. A lender that provides competitive rates and fees.   Your ability to purchase can be greatly increased by a lender who can accurately manage the process from the start, communicate effectively and deliver loan options that are suitable for various situations, even the most difficult ones. 4. Lower Your Debts Lenders will look at your debt-to-income ratio (DTI) to assess your ability to manage monthly payments. If your DTI is high, consider paying down some of your debts before applying for pre-approval. This can improve your chances of getting approved and securing a better interest rate. 5. Submit Your Application Once you’ve gathered your documents, checked your credit score, and researched lenders, it’s time to submit your pre-approval application. This can often be done online, over the phone, or in person. Be prepared to provide detailed information about your finances and employment history. 6. Await Your Pre-Approval Letter After you submit your application, the lender will review your financial information and credit history. If everything checks out, you’ll receive a pre-approval letter. This letter will outline the amount you are approved to borrow, the types of loans available to you, and the estimated interest rate. 7. Start House Hunting With your pre-approval letter in hand, you can confidently start house hunting. This letter shows sellers that you are a serious buyer with the financial backing to make an offer. It can also give you a competitive edge in a hot real estate market. A Story of Success Aki and Jayden, a young couple who recently went through the pre-approval process. They had been renting an apartment for years and were eager to buy their first home. They started by gathering all their financial documents and checking their credit scores. They were pleasantly surprised to find their scores were higher than they expected, thanks to their diligent credit card payments.   Next, they researched several lenders and decided to go with a local credit union that offered competitive rates and personalized service. They worked on lowering their debt-to-income ratio by paying off a small car loan and a few credit card balances. With everything in order, they submitted their pre-approval application.   A few days later, they received their pre-approval letter, which outlined the amount they could borrow and the estimated interest rate. Armed with this letter, Aki and Jayden began their house hunt with confidence. They found a charming three-bedroom house in a great neighborhood and made an offer. Thanks to their pre-approval, their offer was taken seriously, and they soon became proud homeowners. Conclusion Getting pre-approved for a mortgage loan is a crucial step in the home-buying process. It not only helps you understand your budget but also strengthens your position as a buyer. By following these steps, you can navigate the pre-approval process with confidence and move one step closer to owning your dream home. Ready to find your dream home or thinking about buying an investment property to generate additional income? Our investor-agents are ready to support your real estate goals. Visit dwellingnetwork.com to get more information on starting the buying process. 

You need a licensed property manager in Ohio for legal and practical reasons. It’s not just a legal obligation, but also a smart way to safeguard yourself and your investment. Here’s why: 1. Compliance with State Law The Ohio Real Estate Commission treats property management as a real estate activity that needs a broker’s license. This means that key tasks of property management such as leasing, renting, and listing are activities that require a license. For example, if your handyman shows the property, which happens often, they can’t answer questions, negotiate or take money or they break the law. Only your W2 employee -not a 1099 contractor or better, a professional under a broker with an active Ohio license can legally represent you and your rental. And handymen watch out! The Ohio Real Estate Commission can fine you $1,000 per violation, per day for unlicensed activities. That means showing a property 5 times and negotiating a lease for an owner (6 violations) can cost you $6,000!   By hiring a licensed property manager, you make sure your property follows state rules, which can prevent legal problems later. 2. Professional Expertise Property managers in Ohio who have a license have received thorough training and education. All licensed real estate professionals complete four pre-licensure courses at a qualified institution, earn their certificate and succeed on a state exam. Also, they must undergo a background check. Brokers have more advanced educational and experience requirements that keep them updated on laws and practices and ensure they are actively working in the real estate market. This comprehensive preparation gives them the professional expertise necessary to manage your property efficiently and act on your behalf.    Here’s an example of what could go wrong when working without training and knowledge: You ask a friend to “look after” your property since you are an out-of-town owner. The tenant stops paying rent, so to protect you and your investment, your friend decides to go by the property when the tenant is away, puts their furniture out on the curb and changes the locks. You think this is a great solution since your finally get your property back and can move on to finding a new tenant and getting rental income. That is, until you are charged with an illegal eviction, forced to pay fines and damages to the tenant in the thousands of dollars!! Knowing and following the law regarding communication and fair housing practices, including eviction, is the difference that professional expertise can bring. 3. Greater Financial Accountability Ohio licensees have a higher standard than unlicensed individuals. Licensees have a fiduciary duty to their clients and are supposed to provide a service quality that reflects their training and ethical behavior. This means they are legally accountable for making sure your money is in the place they say it is and have a level of financial clarity. Money that your property manager collects for you is yours and must be kept in a trust account- shielded from your property manager’s creditors.   Why does this matter? Here’s an example: Fast & Easy Property Management signed a lease, collected $2,500 in security deposits and collects $2,500 in rent from your tenant on the 1st of each month. Everything is deposited in their personal bank account. They pay you your rent minus their fees on the 15th of the month. Everything is going well for a while, but this month Fast & Easy’s creditors take their assets for long overdue payments. Everything in their bank account is gone- including your rent and your tenant’s security deposit! Not only do you lose your rent that month, but you are also still responsible for giving back the tenant’s security deposit when they move out. 4. Resource Networks Licensed property managers often have access to a network of resources that can be very helpful in managing your property. This includes relationships with local real estate associations, access to industry information, and the ability to network with other professionals, including municipalities. These resources can help in maintaining your property’s competitiveness in the market.   For example, established relationships with reliable eviction attorneys, and even administrators at housing offices in each city help when it comes to smoothly processing things. For more sensitive issues of fines or addressing violations, relationships can make the difference in getting correct and prompt advice and guidance. Having a network of vetted contractors means that only screened professionals enter your property for repair, maintenance and inspection work. 5. Financial Benefits A licensed property manager can also enhance the financial performance of your investment. While many people can manage their personal finances, it is not easy to do proper accounting, record-keeping, and reporting for your property expenses, income, and distributions on a monthly and yearly basis in your ‘free time’. Additionally, planning for major improvements to prevent extensive damage and costly repairs requires carefulness and foresight. Licensed property managers have the skills and training to handle financial transactions, budgeting, and financial reporting, which are essential for keeping your property profitable. Conclusion The role of a property manager is crucial in ensuring the success of your rental property. In Ohio, licensing is a testament to a property manager’s commitment to professionalism and quality service. As a property owner, ensuring that your manager is licensed is a step towards protecting your investment and ensuring peace of mind. For more detailed information on property management requirements in Ohio, please refer to the official document provided by the Ohio Department of Commerce.

As a property owner, your investments are more than just bricks and mortar. They represent your financial security, future growth, and legacy. But how do you ensure that your real estate assets thrive? The answer lies in precise financial tracking.   In this blog, we delve into the critical role of accurate financial data in property management. We explore how proper tracking empowers property owners. Whether you’re a seasoned investor or a first-time buyer, join us on this journey to safeguard your investments and achieve lasting success. 1. Informed Decision-Making Profitability Assessment: Property owners rely on accurate financial data to determine the profitability of their rental properties. Regular tracking of income, expenses, and cash flow helps identify trends and evaluate performance. It guides decisions on keeping or selling properties. Capital Expenditure Planning: Setting aside money for maintenance, repairs, and improvements is crucial. Knowing when to replace a roof or upgrade HVAC systems helps keep a well-maintained property over many years.  2. Risk Mitigation Compliance and Audits: Property owners must comply with legal and tax requirements. Accurate and timely financial tracking ensures that all necessary documentation is readily available, reducing the risk of penalties or legal issues. Getting monthly reports and annual statements play a key role. Transparency with Stakeholders: Property owners may have stakeholders, such as investors, lenders, or partners. Transparent financial reporting builds trust and confidence with them by demonstrating responsible management and fostering positive relationships. 3. Operational Efficiency Rent Collection and Arrears: Timely financial tracking helps property owners monitor rent collection. Identifying delinquent tenants promptly allows action to be taken to resolve issues before they escalate. This helps minimize having past-due rent and ensures steady cash flow. Expense Planning: Accurate financial records enable property owners to track and plan for regular maintenance, landscaping, and other services. 4. Long-Term Strategy Portfolio Optimization: Property owners managing multiple properties can compare performance across their portfolio using financial tracking. They can determine where it is best to spend money, sell underperforming properties, and/or buy new ones.  Financial Forecasting: Precise data helps you project future income, expenses, and risks.  Conclusion In summary, accurate and timely financial tracking empowers property owners to make informed decisions, mitigate risks, operate efficiently, and plan for the long term. Whether it’s assessing profitability, complying with regulations, or optimizing their portfolio, property owners rely on precise financial information from their property manager to safeguard their investments and achieve success. Dwelling Network offers property management for investors who value both their finances and peace of mind. Get started with property management from Dwelling Network today.

Property Overview: Investing in real estate has always held a certain allure, akin to discovering a hidden treasure. Imagine stumbling upon a property priced under $80,000—a rare gem waiting to be transformed. Today, we delve into the details of a Dutch Colonial home located in Garfield Heights, Ohio. Not only did this property boast an affordable purchase price, but it also underwent a remarkable metamorphosis through strategic renovations. Join us as we explore how this investment opportunity unfolded, turning an aging house into a profitable asset. Location: Garfield Heights, a charming southeast suburb of Cleveland. House Type: 2,028 sq ft vinyl-sided Dutch Colonial, built in 1925. Purchase Price: A competitive $80,000. Opportunity: An enticing prospect for budget-conscious investors. Challenges: Aging primary systems (electrical, plumbing, HVAC), sub-optimal kitchen layout, and dated bathrooms. Renovation Highlights: 1. Exterior Transformation The exterior was a priority. We promptly addressed violations, focusing on safety and aesthetics: Cracked Concrete: The driveway and sidewalk were repaired, ensuring a safe and inviting entrance. Front Porch Restoration: The charming front porch regained its former glory with a new wrap-around railing. Now, it welcomes residents and guests alike. 2. Landscaping Enhancements Next, we didn’t stop at the house itself. Landscaping changes included: Defining Beds: Clearly defined flower beds added structure and visual appeal. Mulching: Mulching not only beautified the landscape but also helped retain moisture. Trimming Overgrown Shrubs: Pruned shrubs transformed the yard, creating a neat and well-maintained appearance. 3. Kitchen Overhaul Inside, the transformation began by clearing out all items and gutting the kitchen. Our focus was on modernizing the living spaces: Kitchen Overhaul: Cabinetry: Say goodbye to dated cabinets! We installed sleek Shaker-style cabinetry, including a full-height pantry for ample storage. Countertops: Granite countertops added elegance and durability. Backsplash: Subway tile backsplash brought a contemporary touch. Appliances: A suite of stainless-steel appliances, including a dishwasher and above-range microwave/exhaust, catered to modern lifestyles. Layout Reimagined: We reconfigured the layout, optimizing flow and functionality. 4. Refinishing the Original Hardwood Flooring As part of the meticulous restoration, we turned our attention to the original hardwood flooring that graced the entire home. Three Ample-Sized Bedrooms: Each bedroom now boasts gleaming hardwood floors. The warm tones and natural grain patterns create a cozy ambiance. Staircase: The staircase, once worn and creaky, received a fresh lease on life. Its steps now echo with a solid, reassuring sound. Living Room: Picture this: sunlight streaming through the windows, illuminating the polished wood. The living room floor invites you to kick off your shoes and relax. Formal Dining Room: Whether hosting a family dinner or an intimate gathering, the dining room’s hardwood floor sets the stage. It’s both elegant and practical. 5. The Unseen Hero: HVAC System Upgrade Finally, while the flooring steals the spotlight, there’s an equally crucial transformation that often goes unnoticed—the HVAC system. Here’s what we did: Original HVAC System: The aging heating, ventilation, and air conditioning (HVAC) system had faithfully served the house for decades. But it was time for an upgrade. Eco-Friendly Replacement: In the refreshed basement family space, we installed a new, energy-efficient HVAC system. It quietly hums, maintaining the perfect temperature year-round. Classic Charm Meets Contemporary Comfort: The result? A seamless blend of classic charm and modern convenience. Residents enjoy the coziness of yesteryears without sacrificing comfort. The Investment Breakdown The transformation was more than cosmetic—it was strategic. Here’s how the numbers stack up: Purchase Price: $80,000 Renovation Cost: $47,337 Total Initial Investment: $127,337 Estimated After Repair Value (ARV): $170,000 The total investment of $127,337 proved to be a strategic move, considering the new estimated after-repair value of $170,000. This impressive uplift in value positions the property as a lucrative asset, promising a potential return on investment that exceeds expectations.  Conclusion: For those looking to enter the real estate market without breaking the bank, this success story is a testament to the possibilities that lie within the realm of budget-friendly property investments. As the real estate market continues to evolve, it’s essential to keep an eye out for these hidden gems that have the potential to transform into valuable assets.  Check out more before photos listed on Zillow.com.  Dwelling Network can help you find a gem of your own and guide you through your personal investment success story! Find more information here: Services for Real Estate Investors.