Are you really "ready" to buy, or are you still just dreaming about it?

If you want to buy a house, you have to win a contract, often against a dozen or more other buyers.  

I have previously likened home buying in a seller's market to war.  Hopefully, that's a stretch. It should be easier and more fun than it is, especially in this market.  

Let's continue to use that analogy...

Only you can decide if you are truly "ready" to win the illusive Purchase War. If you feel after reading the first half, you are "ready", please read further to decide if we are a good match to work together.  

What exactly do I mean by "ready"?

There are two weapons Realtor®s ask you to bring to the battleground when making a purchase - documents are the first, but most importantly your time!  

Your first weapon will be two specific documents, needed up front. If you are a "Cash" buyer, you will need only one.  Most of us need to obtain a loan, and the second is related to financing.  

PROOF OF FUNDS should be provided to your Realtor® as early as possible. This is solid evidence of your source and ability to pay for a house, or the portion referred to as your down payment. Smart Realtor®s will want to see that evidence before doing very much, if ANY work on your behalf.  You might not know your Realtor® very well, and trusting someone with that information is a leap of faith.  We understand, but it is a reasonable requirement if we are to commit our time to you.  Your Realtor® is your general!

LOAN APPROVAL, your second weapon should be recently obtained. Your Realtor® will want that in place, before you begin to look at homes.  

Ask your Realtor® to introduce you to at least two Loan Officers with whom they have a proven track record.  Once you have pre-approved with one of them, you may also seek one with a Loan Officer of your choosing if you wish.

Why do Realtor®s ask buyers to pre - approve with their own Loan Officer? Because it will be difficult for your Realtor® to "sell" you to a seller, unless you have proven yourself creditworthy to someone your Realtor® trusts, who has already proven their own ability to close on time.  Your Realtor®'s confidence in your Loan Officer as well as your own ability to perform must be evident, for a Seller's Realtor® to feel confident in you as a buyer. 

The second weapon you bring to your purchase is YOU!

Your attitude is your body armor.  Your availability and accessibility are your big guns!

Do you have text on your phone? That will be important ammo!

You will want to be as accessible as possible. Can you remember to carry your phone, keeping it turned on, and answer communications in a reasonable time?

Do you have a scanner/printer at home? More ammo! If you don't, please make sure you have access while at work, and can be where you can reliably access phone service and/or email all day and evening from the time your Realtor® begins writing contracts on your behalf..  A flatbed scanner costs about $60 and is extremely easy to operate, so you will have less stress if you have one.  Can you use online signing?  Yes, in some cases, but Brokers don't always accept online signatures.

Are you willing to pay 20% over list price?  This is the reality in many parts of the East Bay area. If that sounds crazy, you may not be ready. Ask your Realtor® if this is true where you are interested in buying.  If so, you probably don't even want to look for properties within 25% of what you plan to spend.  Figure out what you are comfortable spending and go backwards. If you want to stay below $500,000, might not want to look for anything over $400k,  Low pricing by 20% or more is a crazy marketing strategy particularly common in Berkeley and Albany.  From 5% low to 5% high is more common, but that is less warlike!

Are you serious enough to take vacation from work if necessary?

Each individual offer might include 2-300 pages of information for you to review and sign off, before your Realtor® can write or present an offer on your behalf. This involves HOURS of time on your part.  Can you find time to commit to this process?  This is also a huge commitment on your Realtor®'s part!

Can you pay even more than first offered?  If there are more than three or four offers, your offer may not stand out enough for a clear win in the first battle. The fittest of the group may meet head to head for another round.  Usually this is just a price war, but shortening contingency periods, may also help to create a winning contract.

You may not win your first offer battle.  It might take sever offers before you really understand what it takes to get into contract. How aggressive are you willing to be, to win?

Are you willing to make greater than the traditional deposit? Perhaps as much as $50,000?

Are you willing to focus intently on the inspection process?  Within as few as five days after acceptance, you may put that huge deposit at risk.  There is little or no negotiation with sellers in the current market.  You will want to have enough time to invest in gaining knowledge of the property, but offering a shorter amount of time than others may be what it takes to win.

Escrow, your major battle, is not an "if I feel okay today" after work, kind of thing. Once you are in escrow, four weeks of what might feel like marathon combat, mostly during business hours will ensue.  The first and the last weeks, may be among of the most intense weeks of your life!

When you enter contract it is best to make your Earnest Money Deposit immediately. This tells the seller you mean business, and adds to the otherwise limited power you and your Realtor® will have during the Escrow period.  More than likely, someone else is waiting in line for you to fail.

(To put your mind at ease, your money is safe in Escrow, until we release all contingencies. It comes back very quickly, if you cancel your escrow.  The seller can't move forward with the next buyer while it is still there, so they want Escrow to give it back as quickly as possible.) 

If vacation is not reasonable, can your normal job be back-burnered for a week or more?

During your inspection period, you can probably expect to go to your future home several times that first week, defining what "as is", really means.  This may cost you $1,200 or so, perhaps more, in addition to your time.  If you don't like the information the inspections provide, are you able to walk away from that investment?   Even if there are inspections already available you will probably want to invest in your own.  Your inspections are your parachute!

Can you continue to do what you need on a daily basis to stay on schedule?  A while back I was in contract with a Buyer who offered just over listing price. During the escrow, a much larger offer came in - for $77,000 more than the original contracted price.  We prayed for the original buyer to fail!  If one deadline had been missed, the original contract would not have been honored. 

Do you have the resources to bridge the gap between appraised value and your offer?  You may have to if your property doesn't appraise for the value you offered. Houses often don't appraise for offered value, when in a rising market.  Consider this part of your strategic planning!

Throughout the whole process, you will have two fronts. Your Realtor® manages one, your Loan Officer the other.  After the contingency period ends, you will be focused primarily on your loan.  That is a battle for a different blog, but will remain a steady demand of your time and energy throughout the entire process, with a final push the last week.

If you do all of the above, you will conquer and will take possession of your own land and all of its improvements!

Or, you might just wait until the war is over, and then it won't be so tough... it might be at a cost to you of about $5-10,000 a month, added to the sales price of an average Bay Area home... but at least you won't need a warrior to win and it will definitely be easier on your blood pressure.

This analogy seems dramatic, but it is pretty accurate.  If you think you can manage all of the above, it's time to choose your Realtor®, your combination general and wingman!

As your Realtor®, why chose me?

If you have actually read this far, but don't believe what I have written, you can probably find another agent, willing either to sugar coat the process or who simply doesn't understand what lies ahead. Another agent may tell you what you want to hear just to win your trust and you may find yourself bidding against a buyer represented by a Realtor® like me.      

I must do a great job for you, nothing less. To begin with, I have a great team to help you prepare.  Once we have you ready, I will write the lowest offers I believe will win.  At the end, I want you to feel you paid the lowest possible price, for the best possible house.  Once in contract, I will do my best to protect you from the stress I describe above, as well as unnecessary drama from the listing side of the transaction. 

No Realtor® can guarantee to get you into contract.  I can guarantee that you will be considered seriously, if I make an offer on your behalf, even if you are a borrowing buyer bidding against cash.  I submit only strong offers which sellers and their Realtor®s love!  And most often, I do win, (if you really have done all that I suggest.)

I learned by bidding against more experienced Realtor®s, who actually knew how to write a contract. Once, I made about 24 offers for a buyer. That buyer was ME!!!  I didn't know what I was doing.  When it became personal, I learned quickly.  I am sitting in the home purchased in a previous seller's market as a result of my personal education.   Many other buyer's agents still have not yet figured it out what it takes to win.

I have a naturally competitive nature and you will want that in your Realtor®. I like to win for the sake of winning!  Other agents will be competing against warriors like me, if not me.  We warriors are the only ones winning right now.

I will ask for referrals when we are done, because that is how my business grows.  I won't get them, if you don't feel I did my job on all fronts.

Last question:

Are you ready to accepting the responsibility of hiring me as your Realtor®?

Wow, did I just really say that?

The lack of listings in this market has made it more difficult for Realtor®s to make a living. Not just me, all of us.

I only succeed by closing.  I have few problems getting buyers into contract. Unfortunately, keeping buyers in contract has become somewhat of an issue!

Much of my time in 2013, has been with buyers asking me to write offers when they were not truly ready to move forward.  They won, I opened escrow, and then they walked away from great homes, simply because the price it took to win, scared them off. They didn't fully believe the value would hang in there for the price it took to win. Sometimes we don't even get to the acceptance before the buyer got cold feet.  I can empathize with those buyers, but I can't continue to work with that type of buyer for free.

If we win a contract, you actually need to close. If you walk away simply because you can't stomach what you offered to win, I may ask you to pay me for my time. If you are not willing to consider my time that valuable, I am politely asking you to work with a different Realtor®! I am a professional, and I will do my job.  You are asking me to make a commitment of my time to you. I am asking you to make a commitment to me, that you will only use my time in good faith.

If you respect and value me enough to move forward, then let's get you ready. By then my velvet glove should be back from the cleaners!

Before you look for a new home...

Try imagining it!

Your realtor® can't help you, if you don't know what you want!

Let's start with some general questions.

1.  How long are you willing to drive to work?

2.  Is your home in a development with an HOA to maintain standards, or a house without the need for anyone's approval to make changes?

3.  Do you care if you purchase a new construction home (yes, you should have an agent for this), REO, short sale or regular sale?

4.  Are schools a personal consideration or only from a standpoint of resale?

5.  Where is the nearest park and/or schools?

6. Which is more important, budget or amenities?


Now mentally drive up to your new home -

1.  Is it in the city, suburbs, marina, beach or countryside?  Does it have acreage?

2.  Is it a single story or multi?

3.  Is it set back from the street or is it close up with a small patch of grass?

     a .Is there a garden in front?

     b. A driveway?

     c. Statuary?

     d. Portico or porch?

4.  Garage size? Location?

     a. Is there rv parking?

     b. Guest or street parking?

5.  What is the lot size and characterisics? level or sloped?

6.  Is it a corner lot or do you have neighbors on both sides?

7.  How old/new is the house? stucco or wood, or something else?

8.  Are the windows standard, bay, bow, stained glass?

9.  Is it move in ready or an equity builder?


Let's walk in the front door.

1.  It's floor plan style? Bungalow, rancher or something else?

2.  Are you in an entry hall? 

3.  Is there crown molding or more of a contemporary feel?

4.  What is the flooring? tile, hardwood or carpeting? Is it fairly consistant throughout or will you transition from one type to another as you move around the house?

5.  What is the first room you walk into?  Does the house have a formal floor plan or more of
    a great room, open concept?


Walk through the living areas of the home…How is it laid out? Are there views? Of what?

1.  Is there a formal dining room?

2.  Is there a family room? on what floor?

3.  Kitchen details... where is it relative to the living areas?

     a.  Is the kitchen a galley or separate room or does it open to the more social areas of the home?

     b.  Is there an island?

     c.  Granite counter tops or tile? what color is it?

     d.  Are the cabinets, white, light wood, cherry or espresso? Glass or solid doors?

     e. Is the cooking surface gas or electric?

     f. One or two ovens? are they a range or a separate unit?

     g. What other appliances? Compactor? Dishwasher? Fridge? Convection oven or microwave?

     h. Is there a nook or counter bar?

     i. In what room will you eat?

     j. Is there a built in desk/ work area?

4.  How many bedrooms and baths?  Are they on the same floor as the living areas?

5.  Is there a full bath on the main floor? A half bath? Both, or more?

6.  Are there hallways?

7.  Are there stairs? Up or down? Straight, curved or spiral?

      a. Where are they in the house?

      b. Are they open to the room from which they originate?  If so describe the rails- wood or wrought iron or something else?


Now walk into your master bedroom. 

1.  What floor is it on?

2.  Is it one room or does it have a sitting room, nursury, office or retreat? 

     a. What time of day will you have sun?

     b. Are there doors in addition to windows? If so to deck or yard? Are there views? Of what? 

     c. Are the closets walkin or wall? Is there one or multiple closets? Are they in the main room or more a part of the bath?

3.  Does the master bath have a door or open entry?

      a. Is there a full shower and a soaking tub, shower over tub combo or just a shower?

     b. A water closet?

     c. What is the counter surface?

4.  Does the house have a jr master as well?

     a. What floor is it on?

5.  Other bedrooms?

6.  Other baths?

7.  Where is the laundry?  Deep sink and/or counters?


Now let's walk outside.  How did you get there?

1.  Is the back yard mostly grass? Mostly rock? Planted garden? Covered patio? Deck?

2.  Is there a pond or other water feature?

3.  Patios? What are they made from, brick, rock, cement, paver tiles?

4.  Is there a back neighbor, green belt, dock or park behind your house?

5.  Is there a vegetable garden?

6.  What can you hear in the distance?  Is traffic okay? Trains? Fog horns?

7.  Is there a built in barbeque area? Fire pit? Built in bar?

8.  Is there a pool? A hot tub? Gazebo?

9.  Is there an out building? Man cave, storage shed, guest or pool house?

10. Do you have a dog run?

11. If the next door neighbor has dogs, what kind are they?


If you can answer all of these questions, or provide any other details, your realtor® should have no trouble finding you a home. 

The next question will be, can you afford what you find?  Be realistic about what you want, based on what you can afford!

Pricing Your Home Properly is Part of Being a Good Neighbor

Before iI was an agent, I inherited partial ownership of a beautiful home in the El Cerrito hills.  I would have loved to have moved in and raised my children there, but their dad was not interested in commutes that involved bridges.  Because we didn't move in, i learned first hand one of the most important lessons anyone involved in real estate needs to discover - whether as an agent or a seller.  Unfortunately, I was educated at a cost not only to myself, but to my neighbors as well.  

My co-owners  and I were not  up on supply and demand economics, and in our lifetimes, real estate had only generally gone up. We also only had personally experienced selling of our homes in rising markets.  Unfortunately, we chose to sell this lovely house at the bottom of the 90's market.  The house had been worth much more in the past than it was at the time we went to sell, and we didn't believe the agent who had the misfortune of representing us when she gave us her opinion of value.  We wanted to list at $425,000 and she wanted to list at $385,000.  We listed at $420,000.  Nine months, and a new agent later, we sold at $335,000.  The appraisal came in at $385,000.  We lost the $60,000 we might have had, if the correct price had been agreed upon at listing (translation: if we had listened to the agent).  We cost our agent a hundred hours of her time, as well as her marketing expenses.  Now, as an agent myself, I feel badly about wasting her time.  The neighborhood also paid a price in the lowering of the value of their homes in the process. 

So when your agent encourages pricing at a certain place, it might be good to consider that suggestion even if you don't like it.  Our agent was foolish to allow us to set the price.  She should have walked away when we would not listen to her.  I have been that same agent, and when I have allowed sellers to set the price, I have invested far more energy in the sales process than I would have, had I held my ground or walked away.  When I encounter this in my practice, it is smarter for me to find a different seller who trusts me enough to choose the proper price. 

Off the other side, one can also price too low.  A house on one street in a neighborhood in which I work, closed last week for $425,000.  I felt that this was a damaging price for the neighborhood, because other recent comparable homes had sold for around $465,000.  A lower sales commission was part of why it was discounted, because while an agent did do the paperwork, it was really a FSBO.  Only because I was very familiar with the buyer's senario did I have this information.  A few days ago, some sellers on the same street offered their slightly smaller house for $300,000.  Why?  It's a short sale and they don't care what it sells for. Tthey have no consequences beyond a spank to their credit, for a decade of using the home as an ATM. (tax records show the many times they refinanced over the years.) But it is devastating to the rest of their neighborhood, for them to offer their home $100,000 or more below comps.  It probably won't close at that price, but it messes up anyone else considering selling in the neighborhood.

I have a listing on a house purchased a few years back and have had it priced at an appropriate amount for short sale.  It is tenant occupied, and does not show well. While we wait for the tenants to move out, four offers have come in, and several other buyers have wanted me to write offers on their behalf. All of these were significantly under asking.  It would not be fair to the neighbors to sell it at the lower price, even though it might be possible.  The owners are not being pressured to sell and are willing to wait until the house can be marketed more fairly.    

In my opinion, in a declining market, the best price to list is about 5% below value, to generate traffic and create competition. in a rising market, pricing over current comps only adds to the frenzy.   You can do that, for your own short term gain, but now we have seen the international cost of feeding the frenzy.

Sellers, when you set your price, please try to remember it is not completely about you!  Setting too high a price will most assuredly cost you money in the long run.  It is also unfair to the professionals you ask to represent you.  However, setting too low a price hurts the people you will leave behind, and all of us in the long run.

In the end, you don't do surgery on yourself:  you ask a doctor.  Don't try to value your own home.  Ask your Realtor® to price your home, and everyone wins.

Why am I a Real Estate Agent?

Here is the story of what led me to become a real estate agent... and why I am still at it...

For the first 17 years of my life, my parents were dirt poor.  For whatever reasons, my father was not financially successful in his working years. My family struggled for some of the most basic of needs, even though my mother worked long before it was acceptable for women to work outside the home.  Yet somehow we managed to own our own home.  When I was nine, my mother's best friend got in over her head in a vacation property, and somehow my parents rescued her by becoming silent partners on a second home in the Sierras. They would not have done this if the conception of my "oops!" baby sister had been known at the time.  It was hard enough feeding 4 kids already, the oldest of which was 16. My mom could not even afford maternity clothes.  But the die had been cast.  At 10, I helped my parents on the phone, as we rented out our shared cabin most weekends. It paid for itself, making it affordable to enjoy it ourselves from time to time!

As far as I can tell, my family was the first poor family in my entire family's history that I can find.  Believe me when I say I have looked!  My grandparents owned 500 acres in Fairfax, CA, some of the most prime real estate in the country.  I spent every Sunday of my life, there, and I loved their house and property!   This land was funded with my paternal grandmother's inheritance.  My paternal grandfather's family was also well landed, at least from what I can prove, and extremely well landed from what I can speculate.  My mother's family was also landed- they were farmers.  I was raised with the fundamental value that land ownership is the foundation of wealth, and was clearly intrinsic to my family's definition of success. 

When I was 17, my grandparents sold their Fairfax property, and things rapidly changed for my immediate family.  Today their land is a protected area, now owned by the state of California. At the time, it was not worth a great deal of money considering its size and location.  Its ability to be developed, (the measure of land value to investors,) was minimal.  The town of Fairfax had closed the door to putting in utilities to make the property more desirable to potential buyers. So the state bought it at the price they wanted to pay, which was not very much!  That particular year the IRS allowed for lifetime gifts of $30,000, and from their proceeds, my father's parents gave my parents same, less the total amount of any previous cash gifts my parents over the past thirty years. Yes, my grandparents had actually kept track of every monetary holiday or birthday gift they had ever given anyone.

My mother was a financial genius once she had a little extra cash with which to work.  In the course of the next 2 years, she bought 6 single family houses, five of which were in Albany (aka Real Estate Heaven).  She gutted each of the six, and turned them into little craftsman dollhouses.  She had a knack for color and design.  Mom flipped two to increase her immediate cash flow and kept three for ongoing income.  The sixth was with my brother in Oakland, near Mills College, where I was in school, and it was his residence for several years.  They paid for his Parsons and Harvard educations with its proceeds when they flipped it, too.  She had also sold my childhood home in Albany, and bought a bigger home in the El Cerrito hills.  This was not for investment purposes but for her own comfort, and the house in El Cerrito grew in value at about the same pace as the one in which I was raised, so it was a wash, financially.  It sure made for a lovely setting during my late teens and young adulthood. 

Without the cash infusion from my grandparents, my parents would have passed less than 50% in assets to us kids, than they were able to as a result of their gift to my parents.  Each of us inherited our own home from her efforts, instead of sharing in just two.  Her timing was lucky, yes, but she was smart!  Mom started buying at the bottom of the first really big boom in the past 50 years.  Three years later, and she would probably not have had nearly the same success. 

My dad was a real estate agent, but not a very good sales person.  He did what we call CMAs (Competitive Market Analysis) for a fee, (normally a free product) and contributed a bit that way.   He called them a Professional Opinion of Value.  I am not sure what he did was legal, because appraisers do this but for a lot more money.  But dad was good with the stock market.  The first exposure I had to Berkshire Hathaway stock was that my dad owned one share, for which he paid about $3,400.  This came from my father's inheritance from his parents, which he only enjoyed for a few years before his own passing.  He spent the rest of it, anyway.  He was quite the giver of gifts and bought a fancy new car too. Typical windfall behavior.  But he enjoyed his generousity, and we all enjoyed it as well!

So when both my parents passed away in 1995, my  siblings and I, each inherited a pot of money, mostly in the form of  real estate.  Between us, there was no financial investment genius in evidence. Some of the brokers who had been in touch with my father introduced me to investments that were designed for high net worth, experienced investors only.  I was at that time very naive and they sucked me right in.  My only investment experience was in real estate, Nordstrom stock and a couple of mutual funds.  I immediately lost almost 10% of my inheritance with poor limited partnership investments.  I decided I had better learn how to manage money myself, learning quickly that I could not trust those other "professionals" to guide me. I took most of my share in the form of one of my mother's original investment properties,  the one with least value, so that I would have a roof over my head while I took the time to learn, how not to lose everything to vultures.  I also exhibited typical windfall behavior.

But I did become a Financial "Professional" myself.  What that means is that I decided to become a Financial Planner,  and as a beginner, they let me call myself  a "professional" without any real knowledge, and certainly without any specific education!  All I had to do was pass a 3 hour test, which I did quite easily, being a skilled test taker.  I passed a bunch more not so easy tests and made a lot of people a lot of money quickly, only to have it a lot of it evaporate in 2,000 with the stock market crash.  I chose early on to become a sector trader, and was able to build wealth for clients investing in oil and gold each before they became trendy, against a very uncooperative market.

During my career, I had developed a generic financial plan which had a four prong approach.  The most important one was owning real estate as an investment.  I had become an investor myself when I was 26 years old.  When I was 38, I had a marital net worth of  about 200K, in today's dollars, outside of my personal residence.  Not a great deal, but more than most, and this was prior to receiving my parents' inheritance.  So I guess I had some innate ability for which I should give myself credit, even then.  My husband also had the discipline to do a 401k when we were really young and it wasn't a popular idea yet.  I was already trying to duplicate my parent's plan, but didn't have a windfall to really launch me.  Yet.

The problem with financial planning as a career, is that unless you grow a large enough business to have a personal assistant, you are totally at the mercy of your clients' whims.  My most important birthday to date, was spent catering to a client's need for cash, as was my daughter's 21st birthday.  And too many other less significant days.  I felt like a complicated 24/7 ATM.  I wanted out.

I was walking my "client's " plan's walk, at the same time I counseled my clients about Real Estate investment to the extent that I could without a Real Estate license.  My personal investment goal up had been to obtain a certain amount in assets by 1/1/20001.  I did this quickly, but that was total value, not equity. 

My next goal was to have that same amount in actual net worth, a much larger undertaking!  In 2006, lack of real estate licensure continued to frustrate me when working with my clients.    Plus, over the course of the previous decade, I had personally generated nearly $90,000 in commissions for other real estate companies and Realtors.  THAT frustrated me, too!  I was giving away pots of  money that needed to stay in my pocket!  All i needed was an AA in real estate and a test to be licensed as a broker!  I loved the idea of the challenge!  Just at the time I entered school to acquire my license, my current marital net worth goal was achieved.  It wasn't enough to retire, but enough to feel safe and stable. Only about 20% more and we could actually retire, too... sigh... SO close, lol...

Today, of course, things are not at the level they were 4 years ago, when I became licensed.  My husband and I still own 4 acres in the mountains and I have separate silent ownership in two other properties.   Learned a few things through mistakes, I have to admit.  We bought with negative cash flow, and I would never recommend that today.  If I had taken the classes I have taken now, before I invested, I would have made much different choices. Even though I bought no real estate without at least 20% down, the market across the board is more than 20% down..  

So why, after losing everything in equity and then some, am I STILL in real estate as a career and as a significant part of my own financial future?  Why haven't I lost faith?

Because fundamentally, I still believe in the product!

I want to help others achieve financial health and wealth.  I can't rebuild my own with out helping others to achieve their dreams along the way!  Let's work together to build a future!  I bring to the table the lessons of more than 20 years of my own investment experience;  I have owned around 20 properties or more, either alone, with my spouse or other partners.  Add in the many transactions I've completed since I began actively selling Real Estate.  I actively chose not to take the broker's test, because it changes some liability issues, I don't want changed.  However, I did complete all the required classes (and then some) with a 4.0 GPA earning the AA.

I certainly want to help you fulfill your dream of home ownership!  Today, all it takes is 3.5% down, (and sometimes less, and less than average credit to buy a primary residence, really!  I would only recommend this as a foundational strategy in a home you plan to stay in for the long term, as prices may still decline going forward. This is how I bought my first condo.  It was financed at around 14%, and we still made money on it in just a few years. That wasn't in good times, either.

If you haven't dipped your toe in the water, you can work towards becoming a millionaire, by  investing in real estate now, while both prices and interest rates are still low.  Really, you have no excuse with this combination!  It could not be a better time!

Either way, you are, like my mother, getting started at the perfect time.

We can do this together!