(858)457-KENT

Issue #350

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 had a great New Years. In these tough economic times, here’s a belated Christmas story to warm your heart.
…“What do you call 47 rich guys watching the playoffs?” The Denver Broncos. I heard this joke 4 weeks ago, but the punchline was supposed to be the Chargers! What a miracle finish. Good luck to the Chargers vs. the Colts tomorrow.
… Learn inside info that saves you time, money, and hassle when you buy a bank-owned home. Sign up for my free seminar 1/31: “How To Buy A Foreclosure In San Diego”.
…Thank you Norm M. for referring both your aunt and a friend to sell a home. Thank you Elsie S. for referring your granddaughter to buy a home.

Here’s An Easy New Year’s Resolution: Don’t Move To Detroit!
Sure, San Diego is in debt up to its eyeballs and the Padres are in a “rebuilding phase”. But we’ve got it good. Consider these honors that Detroit claims:

- Mayor Kwame Kilpatrick is sacked and in jail for perjury
- Known as “the nation’s murder capital”
- Their police crime lab was so inept that it was shut down
- No new school textbooks in 19 years
- 24.9% high school graduation rate, lowest in the country
- 2009 deficit projected to be $200M
- A whopping 60,000 vacant homes (some selling for $1!)
- Once gave keys to the city to Saddam Hussein
- Called “America’s Fattest City” by Men’s Fitness magazine
- Ranked as America’s most segregated city
- Has the highest heart attack rate per capita
- Has lost over half its population since 1950
- Detroit Lions become first NFL team to go 0-16 in a season

Top 10 U.S. Cities With Highest Disaster Risks
If you want to live safe from natural disasters, here’s some advice: avoid these 10 cities that are the most susceptible to natural disasters in the country. SustaineLane used data from Risk Management Solutions to risk from hurricanes, major flooding, catastrophic hail, tornado super-outbreaks, and earthquakes:

1 Miami, FL

2 New Orleans, LA

3 Oakland, CA

4 San Francisco, CA

5 Honolulu, HI

6 San Jose, CA

7 (tied) Los Angeles, CA

8 (tied) Houston, TX

9 Long Beach, CA

10 (tied) Tulsa, OK

10 (tied) Oklahoma City, OK

10 (tied) Columbus, OH

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:
ANDRE = Automated Notification of Distressed Real Estate
ANDRE is proprietary software we modified to help clients find the best values. Using our custom-designed algorithm, ANDRE regularly scans the MLS and flags the potentially distressed, undervalued, and foreclosure properties as soon as they hit the market.

Without ANDRE, it's impractical for homebuyers & Realtors to find these hidden real estate bargains. Even if someone knew what to look for, manually searching the MLS daily and reviewing every new listing basis is virtually impossible. ANDRE works so well, that during the beta-test, our office manager found several excellent values and actually purchased a property.

If you're interested, call my office at (858)457-KENT or email me at ANDRE-System@GaryKent.com.

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

"Will banks charge me a per diem penalty if escrow closes late due to them or the escrow company’s fault?"

***ANSWER:
No. Occasionally some overworked people at banks lose track of whose fault it was and try to charge it, but we talk them out of it.

HomeSELLING Question

"We're thinking of moving some time this year. When's the best time of year to sell? I've always heard it's the summer, but I value your opinion... "

***ANSWER:
Except for late December, it seems it's always a good time to sell a home here. But all other things being equal, the very best time to sell in San Diego tends to be February through May.

That's probably for two reasons:

#1: There's a double time lag from when a home goes INTO escrow…to when it closes...to when the media reports on local market activity. A home that goes into escrow in April typically closes May or June. Then in July the papers or news reports market activity.

#2: Unlike San Diego, most of the country actually has four seasons, some with cold snowy winters. In those areas, real estate activity is lowest in winter and highest in summer.

Investing or Financing Question

"If I am a first time homebuyer, can I qualify for down payment assistance in the form of grants or “silent second” loans?"

***ANSWER:
Perhaps. The few available programs have certain requirements, such as:

- Buying in certain targeted neighborhoods OR
- Income limits OR
- Having 3% for the down payment OR
- Having a particular occupation, such as a policeman or teacher (and perhaps teaching at a “targeted school”) OR
- …who knows what

If you’re interested in such a program, call my office at (858)457-KENT and we’ll put you in touch with our preferred lender.

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!

Spacious Remodeled
Santee Home

BR/BA: 4/3

Sqft: 2,214

Price: $399,000

– Santee – Foreclosure! Huge remodeled 2-story home w/ 2-car garage.
Find Out More
4BR/3BA, 2214sqft
Recently appraised @ 522K+ >>> $300s?

"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! 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?
New – Encanto – Foreclosure! Attractive 80’s built home w/ pool, spa, tri-level patio, granite kitchen, 2-car garage, more. Contact Me
4BR/3BA, 1907sqft
Last sold @ 560K >>> To be 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! 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?
– 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?
– 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!)

	– Clairemont – Foreclosure! Affordable starter home w/ large backyard, 1-car garage, quick access to 805 & 52 freeways. Take A Look 3BR/1BA, 1014 sqft Last sold @ 435K >>> $314,000.
	– National City – Foreclosure! Three bedroom house on huge 17,100 sqft lot. East of 805, south of E. Plaza. Take A Look 3BR/1BA, 1170sqft Recently appraised @ 378K+ >>> Now $166,400!
	– San Marcos – Foreclosure! “Santa Fe Hills” home w/ wood floors & large yard. Xlnt neighborhd w/ community pool/spa. Take A Look 3BR/2BA, 1315sqft Last sold @ 500K >>> Now $285,000!

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
	Sold – Clairemont – Foreclosure! Spacious & sunny 1-level upper unit. Ideal for first-time homebuyer or investor. MLS Search 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.
	Sold – Downtown – Foreclosure! Ground-floor 2BR/2BA, 1143 sqft, “Symphony Terrace” condo w/ no common walls. MLS Search Last sol @ 425K+ >>> Now $299,900
	Sold – Downtown – Foreclosure! Upgraded 3-year-new end-unit loft w/ stainless steel, granite. Complex has gym, rec room. MLS Search 1BR/1BA, 718 sqft Last sold @ $357,000 >>> Now $225,600.
	Sold – East San Diego / Oak Park – Foreclosure! Ideal starter home or investment. Priced WAY under market! MLS Search 3BR/1BA, 1044 sqft Recently appraised @ 423K+ >>> Now just $189,900!
	Sold – Eastlake Area – Foreclosure! 5-year-old former model “Willow Bend” townhome w/ 2-car garage. MLS Search 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
	Reduced – 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 $129,500!
	– 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!
	– 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?
	Back On Market– La Jolla – Foreclosure! Spacious 1-level condo in security complex. Birdrock area, 2 blocks to ocean. View Details 2BR/2BA 1387 sqft (No info) >>> Just $446,900
	Sold – Mission Valley – Foreclosure! Cute Mission Greens condo near golf course, YMCA, Fashion Valley mall. MLS Search 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!
	– 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
	– 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.
	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
	Sold/2 Offers – Pacific Beach – Beautiful 4-unit property 4 blocks to beach, 2 blocks to bay. $5,700/mo, $68,400/yr gross income. MLS Search 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
	Sold – Rancho Bernardo – Foreclosure! Lovely, expansive single-story home in “Summers On The Green” community. MLS Search 3BR/2.5BA, 2228 sqft Last sold @ 650K >>> Now $519,900!
	Reduced – 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 $202,500!
	Sold – San Marcos– Foreclosure! Handsome 2-story home on quiet street. Vaulted ceilings, open floorplan, many upgrades. MLS Search 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 @ $595,000 >>> 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!
	Back On Market – Vista – Foreclosure! Very affordable home w/ 2-car garage, full 6300 sqft lot, big yard. Contact Me 3BR/2BA, 1134 sqft Recently appraised @ 400K >>> Now $164,900

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) 2009 Gary Kent, All Rights Reserved.