(858)457-KENT

Issue #349

In This Issue

1. Welcome / This Week's Special Offer
2. Gary's Real Estate Seminars
3. Homebuying Question
4. Homeselling Question
5. Investing or Financing Question
6. Hot Properties: New Listings BEFORE They Hit The Market
7. Thank You For Your Referrals

Welcome / This Week's Special Offer

Welcome To The Latest Issue
Hope you and your family had a great Christmas and have an even better New Years. …If your New Year’s resolution is to buy a home or real estate investment, be sure to reserve a seat for my free seminar Saturday, January 31st: “How To Buy A Foreclosure In San Diego.” …Check out this very cool housing complex in Montreal. No, it’s not Photoshopped. Here’s another view.

Another Real Estate Myth Debunked:
Myth: "Don’t replace carpet when you sell—homebuyers will just put in new carpet with their own colors anyway."

Reality: People buy on emotion and justify with logic. Homes with ugly, worn carpet don't get homebuyers nearly as excited as homes with the smell, feel, and look of brand new carpet. If they’re not excited, they'll just move on to the next home. Even people who want to put in their own colors. So if your carpet is awful, you’ll make money and sell faster if you put in new neutral carpet.

Top 10 Least Expensive U.S. Rental Markets
CNN/Money and Marcus & Millichap measured apartment rental markets. They don’t state it, but I’m assuming they measured all apartments, from studios to 3BR apartments:

1 $615 Tucson, AZ

2 $642 Columbus, OH

3 $643 Indianapolis, IN

4 $660 San Antonio, TX

5 $667 Salt Lake City, UT

6 $668 Kansas City, MO

7 $675 Cincinnati, OH

8 $711 Cleveland, OH

9 $724 Houston, TX

10 $740 Portland, OR

Join Our “Preferred Client Group” For The Best Values
I find great real estate deals every week. But too often we can’t match a client in time and someone else scoops it up. (My bank-clients won’t let me buy their properties, or I’d be my best client!)

So I developed my “Private Client Group”, a select group of people serious, qualified, and ready to grab a great deal on a home or investment when -- or before -- it hits the market.

If you’d like to be in the Preferred Client Group, you need to:

Pre-approve with our approved lender

Come in for a short sit-down counseling session

Commit to work with us

To join and get the jump on great real estate values, call us at (858)457-KENT or email us at PCG@GaryKent.com

Check Out Our Foreclosure Hot-List
Looking for a deal? 50+ of my REO (foreclosure) properties have discounts of 10% to a whopping 52% from their previous values. Click on www.Foreclosure-Hotlist.com to check out my brand-new Foreclosure Hot-List website. We’ll update the site regularly, so be sure to bookmark it and return frequently. And forward this link to a friend!

FREE MLS Online Search For A San Diego or Riverside Home
To search for a home right now, click here: Free MLS Homesearch

This Week’s Free Offer:
I’ll Finance Your Home Repairs For Free
Considering selling your home or other real estate? Is it a bit of a “fixer-upper” and you’d like to do some work but you’re in a cashflow crunch? Call me and I’ll be happy to discuss possibly loaning you the money until the home sells. I look forward to talking with you. Call me at (858)457-KENT.

Send This Free Newsletter To A Friend
Subscribe them with a quick email to TellAFriend@GaryKent.com with their email address in the subject line.

Remember to email your questions, comments, compliments, corrections, critiques, & rebuttals to Questions@GaryKent.com.

Gary's Real Estate Seminars

FREE Seminar @ UTC Mall – January 31st, 2009:
“How To Buy A Foreclosure In San Diego”
Fantasy vs. Reality: Discover the truth about foreclosures/REOs
-- Saturday, January 31st, 10AM-Noon --
Click for Seminar Flyer / Click to Reserve Your Free Seat

Dreamers Need Not Apply.
Sorry… This isn’t a phony get-rich-quick seminar on buying foreclosures (also called “REOs”) 50¢ on the dollar or buying zero down with bad credit and no job. That’s NOT reality.

When you attend, you'll discover the truth about:

Top 10 San Diego neighborhoods with the best REO deals today

How much banks negotiate off their price

5-step plan to getting a great value on a foreclosure in 90 days

Wise, timely words millionaire Baron Rothschild said in the 1800s

Traps in the small-print that banks make you sign

The #1 mistake people make when offering on an REO

How to get banks to pay EVERY PENNY of your closing costs

Auction tricks, traps, and pitfalls that I swear will shock you

Free email access to undervalued & foreclosure properties

The ugly truth about “short sales”…and it IS ugly

What to watch out for in an REO

Much more

Click for Seminar Flyer Click to Reserve Your Free Seat

HomeBUYING Question

"Question. We’re starting to look for our first home. When will you actually need money from us to buy a home?"

***ANSWER:
There are four times where you need to write checks:

1. Loan Application:
Your lender may charge fees to apply or check your credit. Should be under $100

2. Offer:
You’ll need to write a deposit check for .5% to 3% of the purchase price. It will typically be cashed the next business day after acceptance

3. During escrow:
You’ll need to pay for the appraisal ($400s) and home inspection ($300s).

4. Closing:
A couple of days before closing, you’ll need to wire or bring the balance of your down payment to escrow.

HomeSELLING Question

"Last week you explained how short sales work. You mentioned a short sale package that goes to a lender. What goes in the package? "

***ANSWER:
To show that you can no longer afford to keep the home, the bank requires a “short sale package” from you containing:

- A “hardship” letter
…explaining what has negatively changed in your financial situation that makes you unable to pay the mortgage. This generally must be involuntary, such as divorce, illness, loss of job, etc. Having your interest rate jump up typically also qualifies.

- Documentation of your hardship
…such as divorce papers, etc., if applicable.

- A completed financial statement

- Copies of last 2 pay stubs for all borrowers

- Copies of 2 years of federal tax returns, including all schedules
…to document your income

- Copies of 3 months of bank statements for all borrowers
…to show that you don’t have much cash on hand. If you have much over a few thousand $$$, the bank deny you or want you to contribute to the shortfall

If you’re thinking of doing a short sale, call me at (858)457-KENT and either I or an associate will be happy to help you.

Investing or Financing Question

"One of my new year’s resolutions is to start investing. Do you recommend stocks or bonds?"

***ANSWER:
With both markets being so hammered, either may be good to invest in. Not being a stock expert, you don’t really want me advising you about stocks.

But I can share with you 5 advantages that real estate has over stocks:

1. You can personally impact the value of your real estate. In other words, you can fix it up or raise the rents, and your value will go up. I don’t care how often you shop at Wal-Mart, you’re not going to increase the value of Wal-Mart stock

2. Real estate isn't an "efficient market" like stocks. Unless you're a stock wiz or well-connected (Martha Stewart), 99% of the info out there is already factored into stock prices. By the time you hear news that will impact a stock's value, it already has. But luck, hard work, smart negotiation, &/or the right connections can get you a "better deal" on a piece of real estate

3. To receive income from stocks (other than a small amount from dividends), you have to sell and pay taxes. But with real estate you can receive a positive cashflow. Even if your cashflow starts off negative, over time you can pay down the mortgage and raise the rents and get a positive cashflow.

4. You can "change horses" in real estate without paying taxes on your gain. Via a “1031 exchange”, you can sell one property and buy another without paying a nickel in taxes. I've personally done them and hundreds of my clients have too. You can't do that with stocks unless you’re trading inside your IRA.

5. There are other creative ways to avoid taxes. Under current tax laws, you can move into your rental property for 2 years, converting it into your personal residence, and then sell it and likely pay very little taxes.

Of course, real estate has its downsides, such as the hassle or expense of managing rentals. And many people have made a fortune in stocks. You need to invest in ways that fit your needs. And it probably makes sense to diversify.

Good luck.

Hot Properties: Call Now On These Hot New
Listings & Not-Yet-On-The-Market Properties

Call Now On These Hot New Listings & Not-Yet-On-The-Market Properties

THIS WEEK'S FEATURED PROPERTY!

Gorgeous Spanish
North Park Bungalow

BR/BA: 2/1

Sqft: 1,071

Price: $364,900

– North Park – Foreclosure! Cute Spanish bungalow in North Park! Offers 1-car garage, hardwood floors, granite in kitchen, cozy fireplace in living room & more! Find Out More
2BR/1BA, 1,071sqft
Last sold @ 550K >>> Now $364,900.

"COMING SOON"
(Click Contact Me to be contacted BEFORE these properties hit the market!)

– Carmel Mtn Ranch / Rancho Bernardo – Foreclosure! Attractive 1989-built house on golf course. Great neighborhood & schools! Contact Me
4BR/2BA, 1689 sqft
Recently appraised @ 484K+ >>> Now 300s?
– Chula Vista – Foreclosure! Spacious home on large 9300sqft lot, 4BR/2BA, 1600 sqft, plus detached room/granny flat! Contact Me
Last sold @ 507K >>> Now 300s?
– Clairemont – Foreclosure! Affordable N. Clairemont home w/ 2-car garage. Quick access to 52 freeway. Contact Me
4BR/2BA, 1176 sqft
Previously appraised @ 441K+ >>> Now $209,900!
– Clairemont – Foreclosure! Affordable starter home w/ large backyard, 1-car garage, quick access to 805 & 52 freeways. Contact Me
3BR/1BA, 1014 sqft
Last sold @ 435K >>> To be low 300s?
– Clairemont – Foreclosure! Fixer-upper 4BR/2BA house needs lots of help. No garage, large lot. Contact Me
4BR/2BA, 1635 sqft
Last appraised @ 489K+ >>> Now low 300s?
– Downtown – Foreclosure! Corner 3-year-new “Park Blvd East” condo near Petco Park w/ no common walls, views, granite. Contact Me
2BR/2BA, 980 sqft
Recently appraised @ 486K+ >>> 300s?
– Eastlake Area – Foreclosure! 5-year-new home w/ 2-car garage. More info to follow. Contact Me
3BR/2.5BA, 1756 sqft
Recently appraised @ 617K >>> Price TBD
– Eastlake Area – Foreclosure! Sharp 3-year-new townhome w/ 2-car garage, many extras. Contact Me
3BR/2.5BA, 1586 sqft
Last sold @ ? >>> To be low/mid-200s?
– Encanto – Foreclosure! Remodeled home w/ city views, 2-car garage, more. Contact Me
3BR/2BA, 1247sqft
Last sold @ 358K >>> To be 200s?
– Encanto – Foreclosure! Four units w/ lots of parking. Near trolley, shopping, schools. Contact Me
Last sold @ 510K >>> Now low 300s?
– Encanto – Foreclosure! Handsome, 70’s built 4BR/2BA, 1582 sqft house on huge 9500 sqft lot. Nice street. Contact Me
Last sold @ $467,500 >>> Now 300s?
– Escondido – Foreclosure! Very roomy end-unit “Villa Espanas” condo w/ FPL and quick access to 15 and 78 freeways. Contact Me
2BR/1.5BA, 1152sqft
Last sold @ 325K >>> To be 100s?
– La Mesa – Foreclosure! Mid-century home w/ hardwood floors on large 8000 sqft lot in great neighborhood w/ xlnt schools. Contact Me
(No info) >>> To be in the 500s?
– Lakeside – Foreclosure! Dirt-cheap condo ideal for investor or first-time homeowner. Contact Me
2BR/1BA, 728 sqft
Appraised @ 131K+ >>> To be in the 80s?
– Lakeside – Foreclosure! Spacious single family home on .28 acre lot with 2-car garage. Contact Me
3BR/1BA, 1719 sqft
Recently appraised at ??? >>> To be 200s?
– Linda Vista – Foreclosure! Large 4BR/2.5BA, 1987 sqft house. Corner lot, red tile roof, 2-car garage, more. Contact Me
Previously appraised @ 680K+ >>> Now 400s?
– National City – Foreclosure! Three bedroom house on huge 17,100 sqft lot. East of 805, south of E. Plaza. Contact Me
3BR/1BA, 1170sqft
Recently appraised @ 378K+ >>> To be 200s?
– National City – Foreclosure! 2-year-new townhome w/ 2-car garage, greenbelt view. Borders Bonita, near Plaza Bonita. Contact Me
3BR/2.5BA, 1734 sqft
Last sold @ $609,000 >>> Now high 300s?
– Nestor – Foreclosure! Sharp 6-year-new home w/ open views in quiet neighborhood. Large backyard. Contact Me
4BR/3BA, 2190 sqft
Last sold @ 489K >>> To be low 300s?
– Nestor – Foreclosure! Private, light & bright townhome w/ large rooms, spacious backyard, interior laundry, more. Contact Me
3BR/2BA, 1222 sqft
Last sold @ 365K >>> To be high 100s?
– Oceanside – Foreclosure! Tremendous curb appeal! Upgraded home on corner lot with mountain views. Contact Me
3BR/2BA, 1290sqft
Recently appraised @ 465K+ >>> To be 200s?
– Oceanside – Foreclosure! Enormous 6-7BR/3BA, 2203 sqft house on 9200 sqft lot. Ideal for very large family. Contact Me
Recently appraised @ 504K+ >>> Now 400s?
– Poway – Foreclosure! Handsome home w/ pool, tile roof, large patio. Huge kitchen w/ Corian-style counters. Contact Me
3BR/2BA, 1304 sqft
Last sold @ 510K >>> To be high 300s?
– Rancho Bernardo – Foreclosure! 1989-built single family house w/ dbl garage. South of Camino Del Norte & West of I-15. Contact Me
4BR/2BA, 1760 sqft
Recently appraised @ $602K+ >>> Now 300s?
New – San Marcos – Foreclosure! “Santa Fe Hills” home w/ wood floors & large yard. Xlnt neighborhd w/ community pool/spa. Contact Me
3BR/2BA, 1315sqft
Last sold @ 500K >>> To be low 300s?
– San Marcos – Foreclosure! Upgraded “Santa Fe Hills” home, kitchen w/ breakfast bar, fireplace, community pool/spa! Contact Me
3BR/2BA, 1315sqft
Last sold @ 384K >>> Price to be determined.
– Santee – Foreclosure! Huge remodeled 2-story home w/ 2-car garage.
Contact Me
4BR/3BA, 2214sqft
Recently appraised @ 522K+ >>> $300s?
– Sorrento Mesa – Foreclosure! Stunning 12-year-old home w/ 3-car garage, large yard, 1BR/1BA downstairs. Contact Me
4BR/3BA, 2432 sqft
Recently appraised at ??? >>> To be low $600s?
– Spring Valley – Foreclosure! Vintage home on HUGE .36 acre lot. Offers views, immense yard, and a country feeling. Contact Me
2BR/2BA, 1039sqft
Last sold @ 450K >>> To be 200s?
– Spring Valley – Foreclosure! Convenient bottom-floor unit near I-8 and La Mesa. Granite countertops. Contact Me
3BR/2BA, 1112 sqft
Previously appraised @ 325K+ >>> To be 100s?
– Spring Valley – Foreclosure! Heavy fixer upper w/ possible settlement issues. Good neighborhood. Contact Me
3BR/2BA, 1444 sqft
Last sold @ 460K >>> To be 100s?
– Spring Valley – Foreclosure! Affordable 2BR condo in gated Ashford Park complex. Offers cathedral ceilings, FPL, more. Contact Me
2BR/2.5BA, 1020 sqf
Last sold @ 314K+ >>> To be 200?
– Tierrasanta – Foreclosure! Remodeled townhome w/ garage, many upgrades, vaulted ceilings. Contact Me
2BR/2.5BA, 1068 sqft
Recently appraised @ 309K+ >>> To be 200s?
– University City – Foreclosure! Cute condo in “Verano” in the La Jolla Colony area. Quick access to I-5, La Jolla, UCSD, etc. Contact Me
1BR/1BA, 704 sqft
Recently appraised @ 310K >>> To be very low 200s?
New – Vista – Foreclosure! Stunning 2-year-new luxury home on .57 acres. 3 car garage, huge yard, many upgrades. Contact Me
4BR/3.5BA, 2588sqft
Last sold @ 861K >>> To be 600s…500s…???
– Vista – Foreclosure! Charming home on view knowl w/ wood floors, recent remodel, evening lights view, more. Contact Me
2BR/2BA, 1350 sqft
Last sold @ 417K >>> To be high 200s?
– Vista – Foreclosure! Giant .7 acre lot w/ cute 2BR, 898 sqft house built in 1940. Incredible potential. Contact Me
Last sold @ $472,500 >>> To be low 300s?

NEWLY LISTED (Your Property Here!)

– North Park – Foreclosure! Gorgeous Spanish 1936-built home: archways, hrdwd floors, FPL, crown molding, coved ceilings. Take A Look
2BR/1BA, 1071 sqft
Last sold @ 550K >>> Now $364,900.

MORE GREAT HOMES & INVESTMENTS (Your Home Here!)

	– Campo – Foreclosure! Huge home on 1.31 acres w/ barn, + 2 additional buildings. 2 kitchens, ideal for 2 families. Take A Look 4BR/2BA, 3601 sqft Last sold @ 465K >>> Now $395,000
	– Clairemont – Foreclosure! Spacious & sunny 1-level upper unit. Ideal for first-time homebuyer or investor. More Info 3BR/2BA, 1134 sqft Last appraised @ 489K+ >>> Now $193,900
	– Clairemont – Foreclosure! Starter house w/ FPL, big yard, California room, 2-car garage. Quick access to 52 & 805. Check It Out 3BR/2BA, 1032 sqft Last sold @ 529K >>> Now $329,900.
	– Downtown – Foreclosure! Ground-floor 2BR/2BA, 1143 sqft, “Symphony Terrace” condo w/ no common walls. Check It Out Last sol @ 425K+ >>> Now $299,900
	– Downtown – Foreclosure! Upgraded 3-year-new end-unit loft w/ stainless steel, granite. Complex has gym, rec room. Check It Out 1BR/1BA, 718 sqft Last sold @ $357,000 >>> Now $225,600.
	– East San Diego / Oak Park – Foreclosure! Ideal starter home or investment. Priced WAY under market! Contact Me 3BR/1BA, 1044 sqft Recently appraised @ 423K+ >>> Now just $189,900!
	– Eastlake Area – Foreclosure! 5-year-old former model “Willow Bend” townhome w/ 2-car garage. Take A Look 4BR/4BA, 1851sqft (No sale/appraisal info) >>> Now $269,900
	– Encanto – Foreclosure! Recently renovated 4BR/2BA, 1339sqft home on overize 7200 sqft lot. Check It Out Last sold @ 450K >>> A steal @ $179,900
	– Escondido – Foreclosure! Spacious, upgraded condo in “Vermont Villas” w/ basketball & tennis. Quick freeway access. Check It Out 2BR/2BA, 1,204 sqft Last sold @ 295K >>> Now $132,000!
	– Escondido – Foreclosure! 2 Detached homes on .58 acres w/ 2 double garages. Ideal for extended family or ??? More Info 4BR/4BA + 2BR/1BA Last sold @ $600,000 >>> Now $369,600
	– Escondido – Foreclosure! 3BR/2BA, 1,620sqft house on almost 1/2-acre! 2-car garage. More info to follow. See More Last sold @ $350,000 >>> Now $259,900!
	– Escondido – Foreclosure! Handsome 1985-built house w/ upgraded appliances, granite counters, new paint. Contact Me 3BR/2BA, 1636 sqft Last sold @ 470K >>> Now $299,900
	– Escondido – Foreclosure! Lovely 3BR/2BA, 1144 sqft house w/ 2-car garage. 6100 sqft lot. More info to follow. View Details Recently appraised @ 561K+ >>> Now $204,900!
	– Escondido – Foreclosure! Quiet 2BR/2BA upper-level condo w/ granite in kitchen & baths, tile flooring, garage! Take A Look Last sold @ 314,500 >>> Now $150,900
	– Fallbrook – Foreclosure! Upgraded home on 5.9 acres in gated, private, peaceful De Luz community. More Info 3BR/2.5BA, 1970 sqft Recently appraised @ apx 655K >>> Just $378,000
	– Fallbrook – Foreclosure! Lovely 3BR home on 5.51 acres w/ back country views & 2-car garage! Possible lot split. See For Yourself 3BR/2.5BA, 2046 sqft Last sold @ 604K >>> Now $535,000!
	Sold – Imperial Beach/Nestor – Foreclosure! Nice 4BR starter home w/ 2-car garage. MLS Search 4BR/2BA, 1573sqft Last sold @ 420K >>> Now $225,000!
	Sold– La Mesa – Foreclosure! Vintage 1930-built house on .27 acres. 2-car garage & many extras. MLS Search 3BR/2BA, 1338 sqft Last sold @ 450K >>> Just $294,900
	– Julian – Foreclosure! Charming older house on .24 acre lot. Needs some TLC. View Details 3BR/2BA, apx 1500 sqft Last sold @ 230K >>> Now $197,600?
	– Mission Valley – Foreclosure! Cute Mission Greens condo near golf course, YMCA, Fashion Valley mall. More Info 1BR/1.5BA, 882 sqft Last sold @ 309K >>> Now $184,900!
	– National City – Foreclosure! Upgr home w/ master suite, large yard, + new cabinets, countertops, stove. More Details 3BR/1BA, 1117 sqft Last sold @ 394K >>> Now $265,000!
	Sold – Nestor – Foreclosure! Cheap condo in nice area near schools. Seller may pay closing costs. MLS Search 3BR/2BA, 1071 sqft Last sold @ 325K >>> Now $94,900!
	– Nestor – Foreclosure! Huge heavy fixer-upper home on full lot w/ 2-car garage. Quick access to 5 and 805 freeways. Property Features 3BR/3BA, 2080 sqft Previously appraised @ 372K >>> Now $279,900
	Sold – Normal Heights – Foreclosure! Two units: 2BR + 1BR, total 1235 sqft w/ garage. MLS Search Last sold @ 565K >>> Now $259,900
	– Pacific Beach – Foreclosure! Gorgeous 2-story contemporary home with bay/ocean views, walk to beach! Property Features 2BR/1.5BA, 1530sqft Last sold @ 690K >>> Now $720,000
	– Pacific Beach – Beautiful 4-unit property 4 blocks to beach, 2 blocks to bay. $5,700/mo, $68,400/yr gross income. View Details 2BR + 2BR + 1BR + Studio Value range $975,000 to $1,025,000!
	– Phoenix AZ: 12 APARTMENTS – Great central location. Units are 4 3BR, 4 2BR, and 4 1BR. Just $649,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Phoenix AZ: 44 APARTMENTS – Lovely 3BR/2BA, 1967sqft home, .48 acre lot, pool. Just $2,350,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Ramona – Foreclosure! Cute condo just off Main Street in downtown Ramona. Take A Look 2BR/1BA, 884 sqft Recently appraised @ 231K+ >>> Now just $99,000
	– Rancho Bernardo – Foreclosure! Lovely, expansive single-story home in “Summers On The Green” community. See More Photos 3BR/2.5BA, 2228 sqft Last sold @ 650K >>> Now $519,900!
	– San Marcos – Foreclosure! Very affordable house in great community. 2BR house w/ 1-car garage w/ low maintenance yard. See For Yorself 2BR/1BA, 844 sqft Last sold @ 459K >>> Now $207,500!
	– San Marcos– Foreclosure! Handsome 2-story home on quiet street. Vaulted ceilings, open floorplan, many upgrades. Take A Look 3BR/2.5BA, 1580sqft Recently appraised @ 525K+ >>> Now $349,900
	– San Marcos – Foreclosure! Cozy house in over-55 Lake San Marcos 2BR, 1115 sqft house in Sun Park near tennis, golf, restaurants. Check It Out Last sold @ 382K >>> $260,000
	– Santee – Foreclosure! Vintage 3BR/2BA house on large 6969 sqft lot. More info to follow. Check It Out Recently appraised @ 425K+ >>> Now $255,000
	– Santee – Foreclosure! Affordable, updated “Riderwood Gardens” condo w/ garage. Check It Out 3BR/2BA, 1144 sqft Recently appraised @ ??? >>> Now $166,400
	– Serra Mesa – Charming newly renovated “Allure” condo. Offers granite in kitchen & baths, newer appliances, sunny patio. View Details 1BR/1BA, 602 sqft Just $129,500
	– Valley Center– Foreclosure! 3.3 acres! Gorgeous house w/ 2-car garage & panoramic views. Check It Out 3BR/2BA, 1,761 sqft Last sold @ $595,00 >>> Now $359,900!
	– Valley Center– Newer high-quality view home on 2.09 acres. Offers pool, 3-car garage, huge yard, orange groves. Contact Me 4BR/3BA, 2602 sqft Now $539,000!

Call me at (858)457-KENT to find out more or for a private showing. To find other homes, go to A Free MLS Homesearch.

Clicked on a property, but theres no info? It may be sold. Call me to double-check or discover other similar properties we have for you.

Thank You For Your Referrals

Referring a friend or someone you care about is the highest compliment you can give me. Thank you for all of your generous referrals!

Have a great week...

GARY KENT
"The Agent You See EVERYWHERE"
All-Time #1 Agent/Team In San Diego County for RE/MAX
23 Years Experience -- 3,300 + Homes Sold

Gary Kent Team --- RE/MAX Associates
(858)457-KENT --- (858)457-5368
GaryK@GaryKent.com -- http://www.garykent.com

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This free e-newsletter tells you how to be more successful with your real estate transactions. You receive it because you subscribed, entered your email address at my site(s), or were referred. By reading it, you agree you: 1) understand this is opinion & not advice; 2) will seek professional tax, legal, and real estate advice; 3) are solely responsible for use of content, 4) hold Gary Kent, Gary Kent Homes & Estates, Kent & Associates Inc., and RE/MAX Associates harmless. Questions may be paraphrased for clarity/brevity. Disregard this email if you have a listing or buyer-broker agreement. (c) 2008 Gary Kent, All Rights Reserved.