Homes For Sacramento Blog -Rick Delgado

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 Three Things Mortgage Brokers Don’t Want to See

 You’ve finally found your dream property and are willing to put an offer in for the place! That’s incredible news, but you likely know of the steps that lay ahead of you. 

 If you need to get a mortgage in place for your new home, you are going to need to provide evidence that you can afford the down payment and future mortgage installments. This will usually be in the form of providing two months of bank statements that clearly show your incomings, outgoings, and any other recent transactions.

 Try not to worry, though! It always helps to bear in mind a few different things that your mortgage broker might be looking for. This will help you clear up your finances and get one step closer to…

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How to Securely Handle 'For Sale by Owner' Home Purchases

 So, you have found your next home and are ready to put in an offer and get the sale across the line. There’s one thing you are not sure about though - what should you do if the home has been put for sale directly by the owner? 

 Perhaps in the past, you have been used to dealing directly with developers, house builders, or estate agents which have placed homes for sale. Now though, you have to negotiate directly with the occupant of your target house. That can feel a little overwhelming, but it does not need to be.

 Here’s a quick guide of the main things to keep in mind when dealing with ‘for sale by owner’ home purchases.

 Consider whether you need an agent. 

 Just because the…

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Creating a positive rental experience for tenants and property owners hinges on a clear and concise agreement that explicitly communicates rental criteria and outlines terms and conditions. The best rental agreements include even the smallest details such as pet policies, notice-to-vacate terms, and property care expectations, which will set tenants up for success in the long run. The following best practices will help property owners and managers convey rental policies and procedures to potential occupants in a way that sets both parties up to succeed. Customize Your Rental Agreements The first step in drafting a rental agreement is to make sure that all necessary information is included. Even if using a generic template, inserting your own state's…

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Benefits of Online Faxing for Real Estate Contracts

 When fax capabilities first officially entered the market over 75 years ago, sectors that are defined by hard legal binding documentation rejoiced because it expedited the document sharing process that hinged on snail-mail or in-person delivery. It's no wonder that the real estate sector continues to rely on this mode of communication when it comes to sending and receiving contracts. With e-fax features now available, the benefits of online faxing are colossal, and sending contracts by fax is far more secure than sending documents over email. Here are some of the many advantages of using online faxing in the real estate arena. 

Encryption Capabilities 

When it comes to…

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The health and well-being of a property comes down to how effectively it's managed, and this tremendously multifaceted task requires an arsenal of knowledge that spans across people management, facilities, problem-solving, collections, accounts receivables, operations, and beyond. To do, or not to do; that is the question, and when owners finally take the leap in deciding to hand over properties to a company or person, a second decision awaits that impacts their investment significantly. Weighing the pros and cons of hiring a solo property manager versus a full-scale management company is a necessary step since both options have essential considerations that should be thoroughly analyzed. 

 Understanding the Property Management Role

 From a…

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Great news! You’re buying a new home. Before moving out of your old place and settling down in your new home, there are a few final checks you should consider in terms of plumbing and waterworks. 


Issues with plumbing might not always be readily visible to the untrained eye, so it is important for you to consult this article carefully before proceeding with your new home purchase. The last thing you want is to move into your new place and be met with leaks or burst pipes that cause flooding.


Here are some of the most important plumbing considerations to take a look at when buying a new home:


  • Conduct basic health checks on the water supply. You want to switch all faucets on and make sure that water comes out of…

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If you are reading this you probably have already read the previous blog post, 3 Things to Consider Before Buying Your First Rental Property. If you have not I would recommend skipping this post and then reading the previous post first. We will continue to talk about the aspects you should think about before first buying a rental property. I will walk you through an additional 3 things you NEED to think about before jumping the gun on your purchase. 


1.) Rental Property Expenses 

Rental property expenses is an essential element to consider when buying a property. Some states have higher property taxes then others which can be a deal breaker on whether or not a purchase is a good one. Think about speaking with a tax specialist before making…

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Thinking of a way to make passive income for your future? You've come to the right place! Rental properties are one of the top ways real estate investors create wealth and have the freedom to do the things they enjoy. Owning rental properties can seem like a difficult task at hand, especially for beginners in the business. Here are some ways to get started. 

1.) Get Rid of Personal Debt! 

One of the best things to do before purchasing your first rental property is to pay down personal debt. Personal debt includes anything from school loans, car loans, credit cards, etc. The key to a good start is a great foundation which is why the less bills the better! The more money you have to play with, the farther your money will go. During this time you…

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If you have been thinking about when the best time to sell your home would be, then you have come to the right place! Knowing when the right time to sell is can be confusing especially if you are unfamiliar with the real estate market or projected trends. To make it easy, here is a list reasons why 2020 is your year:

1.) Interest Rates Are Low

Low interest rates are perfect for new buyers entering the market looking for a new home. Selling your home in 2020 is the perfect time because buyers are more likely to buy a home with low rates. Of course there is suspected to be some fluctuations throughout the year, but for the most part interest rates for a 30-year mortgage are in the mid 3%. This also serves as a benefit to yourself if you are…

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With tax season upon us, it can be daunting thinking about taxes whilst managing your rental. If you are a landlord looking at where to start in the tax process this is the guide for you! Here are some tips that can make filing your taxes a lot easier! 

1.) Receipts! Receipts! Receipts!

For tax deductions it is important to make sure you have receipts to claim details of your property as an expense. Make sure you have your record of receipts, checks, and property bills in order. Make sure that the receipts are well detailed and offer a good explanation as to why they were used. Make sure you have additional proof to cover the receipts that may be a little ambiguous. A good way to keep organized it to create a filing cabinet for your receipts…

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