3 easy steps to beat bloating and have a flat tummy

About twelve years ago, when I was a personal trainer, I saw a presentation called “Flatten Your Abs Forever.” I thought the guy was going to talk about exercises to develop a “washboard stomach” (6-pack, whatever you want to call it).

But he talked for 3 hours about why people have bloating and how you can’t have a flat belly unless you have good digestion. I will never forget what I learned that day and I would like to teach you everything.

There are three essential simple steps to achieving a sexy flat tummy and this article teaches you those same steps.

STEP ONE – Change your food!

The first step to getting a flat tummy is to get rid of inflammation-causing foods in your gut. Every time there is inflammation in her gut, her abdominal muscles tighten and her tummy swells, making her look 7 months pregnant (in men too!).

I’m sure you know the feeling. It is uncomfortable, often painful, and embarrassing. It drains your confidence and makes you want to hide.

Start by discarding the gluten, soy, and cow’s milk. The results will surprise you.

STEP TWO – Eliminate the bad bugs from your gut!

Sometimes even eliminating bad foods doesn’t work. Why?

Well, you may have “bad bugs” living in your gut, and when you eat, these bugs have a party. Many of them ferment the food you eat, causing your gut to become bubbly, gassy, ​​and bloated.

Bacteria like H. pylori (which I had), C. difficile, E. coli, Salmonella, and other common suspects, yeasts and fungi like Candida, and parasites of all sizes, shapes, and colors can be real nuisances.

These little critters set your stomach on fire, eat your food, and make your belly expand like a balloon.

To find out which bad insects lurk in your stomach and intestine, you need to take a stool test. The ones my standard doctors gave me are not that good. Get a test from a reputable specialized laboratory. There are 3 or 4 very good ones and they have distributors all over the world.

STEP THREE – Replace the good stuff!

If you don’t have enough stomach acid or digestive enzymes, you won’t be able to digest food properly. Bad bugs love this: the less you digest, the more they have to eat, and that can only mean three things: bloating, gas, and bloating.

Can you find out if it has low levels of acids and enzymes? Absolutely, a good stool test will give you this information, in addition to finding the bad bugs.

The “good bugs” (also known as “predominant bacteria” or “probiotics”) are also very important: they keep bad bugs away, support digestion, reduce inflammation, and generally keep the gut healthy. The latest research suggests that they can even affect emotional function!

If your good bugs have been killed by antibiotic treatments, drinking alcohol, or eating a poor quality diet, their absence can allow bad bugs in, keep you from digesting food, and cause your belly to burst.

A good stool test will also tell you about your “good bug” population!


Getting rid of bloating and achieving that flat tummy you’ve always wanted has as much to do with your inner health as it does with your outer appearance.

You can do all the crunches and crunches you want, but if your gut is bloated and gassy, ​​it will keep coming out and causing you discomfort and embarrassment.

Take 90 days of your life and implement the three steps that I taught you here. It’s worth it.

One more article on car insurance

What is car insurance?

Auto insurance is a purchased product that can also pay for damage to your vehicle or other people’s vehicles in the event of a car accident or non-accident related damages. Each state has its laws regarding the amount of auto insurance that each person must have in order to drive legally. Many different factors also influence auto insurance rates. It doesn’t even rely on multiple companies; It is up to the insurance industry to determine what auto insurance is and how much each person will pay for auto coverage.

What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that can get complicated very quickly if you are not so prepared for what you are entering. You need to know how rates are best calculated, what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.

What does auto insurance cover?

Auto insurance is used to protect you, the individual or a business or organization, from financial loss with respect to a motor vehicle. Financial loss can occur due to many reasons, and having car insurance can cover your losses in a number of ways.

Liability for property damage

Property damage liability is coverage against damage that you or someone who drives your vehicle with your permission does to someone else’s property. Costs can include the other vehicle, utility poles, fences, buildings, houses, businesses, or just about any type of structure that comes into contact with your car.


Collision coverage generally protects your vehicle from damage resulting from an accident with another vehicle, a pothole, a car rollover, etc. Collision coverage will pay to repair your vehicle, or if your vehicle was damaged in the accident, it will reimburse you for the value of the car by subtracting the deductible and, in many cases, other costs.


Auto insurance is a must, and this is widely evident from the fact that every state in the US has made auto insurance mandatory on all vehicles. Most of the time, this seems like an annoying exercise, but why wait until you are involved in an accident to find out how auto coverage takes care of your assets and you? High medical bills and escalating lawsuits make it worth protecting yourself and your precious vehicle with auto insurance.

Additionally, all jurisdictions have made it mandatory to have two auto insurance systems: the no-fault system and the tort system. The first type of insurance favor in most states dictates that your insurance company will pay injury claims regardless of who actually caused the accident. The amount to be paid is up to a specific limit, and if you are involved in an accident, your carrier is responsible for paying for the injury. Against this tort system, the injured party will have to bear the medical expenses of their package and then claim it from the at-fault driver’s insurance company as a reward.

With the large number of accidents and thefts occurring widely in the US, it is essential that all car owners purchase such insurance coverage to insure both the vehicle and its owner in times of need.

In the US, if you want to have a car on the road, you must have car insurance. Some states even have coverage minimums where you must have a certain dollar amount of coverage; this is generally called primary coverage.

How to get better car insurance in the USA

Auto insurance covers a car accident. The insurance company pays the owner for the financial loss in exchange for a small amount of money paid periodically. The amount paid annually is called a premium, and the contract you make with the insurance company is known as an insurance policy. The insurance company allows you to keep the contract and you become the policy holder.

Auto insurance may not be cheap. However, in unforeseen circumstances of loss or damage to your vehicle, compensation will seem like a godsend. Periodically shelling out large amounts of money to protect your car or your company’s cars can seem expensive. There could be a tendency to try to cut corners by making use of the minimum motor insurance packages. However, even minor car damage is too expensive; therefore, a minimal package may not give you extensive coverage when you need it most.

Types of car insurance in the US

The most common types of auto insurance available in the US are liability insurance, comprehensive and accident insurance, medical payments and personal injury protection, and uninsured motorist and insured motorist coverage. insufficient. Most modern companies offer them.

Liability insurance coverage pays for damages you cause to other people and their property. It pays the legal expenses involved and the expenses of the victim who goes to court to claim damages, within its limits of liability. In the event of an accident, your car repair costs are covered by collision insurance. Comprehensive insurance covers damage caused by incidents other than automobile accidents, such as natural calamities, theft, fire, vandalism, and hitting an animal.

In the event that the insured and the companion need medical treatment for bodily injury due to an accident, this is covered by the Medical Payments coverage. Personal Injury Protection will cover medical expenses and lost wages for you and your companion if you are injured in the accident.

Why do you need car insurance

The primary goal of any insurance is to protect the policyholder and their family against the consequences resulting from unexpected injuries or death and financial burdens in the event of these disasters. It is a contract between the related insurance company and you, in which you agree to pay the premium for the losses that the insurance company must cover in the event of accidents.

Auto insurance covers these three main areas:

Property coverage: refers to the damage or theft of your car

Liability coverage: relates to your legal responsibilities to other people who may be incapacitated as a result of the property damage loss.

Medical coverage: refers to medical treatments, therapy expenses, rehabilitation, loss of ability to work or even funeral expenses where there are faculties.

The job of car insurance

Auto insurance also protects you from uninsured drivers or motorists. In this case, the uninsured motorists or drivers do not have an insurance company to pay you for the damages that occurred, but fortunately you still have your insurance company to bear the losses.

Protect the bank that gave you the car loan to finance your vehicle. Because if a disaster happens to your vehicle, no one other than the insurance company will be able to loan or provide you with additional money to repair the car. Otherwise, you will have to repair the damage done to the car on your own, and this would prevent you from paying the periodic monthly loan payment on time. The consequences are that the bank will not lend you more money in the future, with the bad credit situation you are in at least for a considerable period of time.

Should I buy that two-family house?

Some people buy a two-family home because they hope to live in one apartment and rent the other to significantly lower their cost of living. While this is a great solution, for some, it is not for everyone. For some, they need more privacy and / or don’t want the responsibilities that come with being a homeowner. Other people buy two-family houses, for investment purposes, and it is essential and important, to start this process, with your eyes wide open, understanding of both the advantages and the disadvantages. While a well-regarded and well-priced property can be a fantastic investment opportunity, there are others that may not be for certain reasons. With that in mind, this article will attempt to consider, examine, review, and discuss these two scenarios and the process one should go through before committing.

1. Occupied by the owner: An owner-occupied two-family home is eligible, for very similar mortgage conditions and requirements, as a single-family home. Often this is about 0.5% or more, a lower rate than when the owner does not live there. What rate of return and other relevant concerns should be considered? Start by looking at cash flow, that is, the landlord’s out-of-pocket versus the rent charged. How will this compare to your costs if you bought a single family home? How comfortable will you be as an owner? Are you skilled, or will you need, to hire others, whenever there is a necessary repair, etc.? Do you have the type of personality that could handle some of the inherent stresses and strains involved? Will you be happy sharing the property, making sure your tenant takes proper care of the part they occupy and the potential challenges in terms of privacy and other issues?

2. No – owner-occupied: Start with a realistic assessment and analysis of income versus expenses. Will it generate enough cash flow to avoid financial problems and additional stress? Unless you are convinced that there will be a positive cash flow situation, you should generally avoid investing. Consider only about 75% of the realistic rental list, to account for vacancies and other unforeseen contingencies. On the expense side, add your mortgage payment (including principal, interest, real estate taxes, and escrow) to your monthly contributions on various reserve finds, for repairs, renovations, improvements, etc. If this is positive, proceed to a rate of return, or ROI / return on investment analysis. Consider the total cost of purchasing the property (purchase price plus initial renovations / improvements / repairs) and your annual rent. Look for at least a 6% return.

An investment property may be your smartest move, or a risky and reckless one! Follow these simple steps, from the beginning, and proceed accordingly.

What’s the Difference: Buying vs. Investing in Residential Property?

Are you looking forward to improving your standard of living? Everyone probably knows that buying a new home with modern features opens the way to the lifestyle of our dreams. We tend to choose a home built by a reputable builder in a better location that meets today’s conveniences. Therefore, when it comes to the advent of a new way of life, buying a new home is the first step that most of us tend to take.

However, is this the only thing you can expect from a residential property? Why not start investing in residential properties and enjoy the benefits of it?

With the purchase of an apartment, the ownership of the new house is secured. However, investing in residential property generates passive income. Whether you are investing in a residential apartment in Kolkata or elsewhere, choose a property that will potentially guarantee you a high rate of return.

You should check the growth quotient of the region where you plan to invest in a residential property. If the region lacks signs of growth or promise, this will become a long-term financial burden. On the contrary, a good investment, such as investing in residential flats in Kolkata in various regions (such as Madhyamgram, Serampore, Tollygunge, Rajarhat, EM Bypass, etc.) will generate income from mortgage payments, tax costs, repairs, etc. through tenants. It could become an essential channel for building wealth if you come up with the perfect wealth plan. your planning is going well.

Here’s what you need to know about buying and investing in a residential property.

Buying and investing: understanding the concept

Residential properties comprised of a defined area of ​​land consisting of apartments or a separate house built for individuals or families to inhabit. These should not be used for commercial or industrial purposes. These spaces are essentially reserved for occupational purposes and involve residential use for a long period of time.

On the other hand, an investment property can be a long or short term investment. If we consider the short-term duration, the concept of ‘turning around’ a house appears. In this case, the property is bought and remodeled or renovated and sold for a higher price.

Income can also be generated by owning the property and renting it to others, or by selling the property at a time when the value has appreciated. For example, if you buy a house in Kolkata close to the airport, good schools and universities, the property price will automatically be high.

Apart from that, these are the characteristics that differentiate the two:

Buying a residential property

Invest in a residential property

Choose the right property

It provides better standards of living along with meeting the requirements of family members.

Long-term investment

Full ownership

Possible challenges: lengthy bank payments, poor connectivity, poor location advantages, etc.

Generate passive income

It adapts to the growth of a region which, in turn, increases the value of a property for income from rental or property sales.

It can be a short or long term investment

The landlord enjoys ownership of the property

Possible challenges: Uneven income stream, property value could fall, liability for repair and maintenance costs, etc.

We can explain this by taking a metropolitan city as an example. For example, if you think of Kolkata, you will come across a large number of residential projects. Therefore, whether you are buying a home in Kolkata or investing in property, it is essential to do a full scan of the region you are specifically targeting. Whether in the north or south of Kolkata, it is always necessary to know which areas will give you the best advantages to meet your requirements.

Make all the arrangements, do your research, and treat yourself to the best living space. –

How to buy a flood insurance policy?

Flood insurance was not available until 1968 in the US, when Congress created the National Flood Insurance Program (NFIP) to make this coverage available to eligible communities through federal subsidies. The program is administered by the Federal Emergency Management Agency (FEMA). Any building on a permanent site, above ground, with walls and a roof, is eligible for coverage.

If your property is located in a flood zone, it is subject to standard flood policy premium rates, which are higher than the preferred rates.

To buy flood insurance, you don’t have to be in the flood zone. If you are not in the flood zone and want to insure your property in the event of a flood, you will be charged a preferential rate. This type of coverage is very affordable; the premium is a couple hundred dollars a year.

NFIP policies can be sold by private insurance companies through the FIA’s “Write Your Own” program. Under this system, the FIA ​​establishes rates, eligibility requirements, and coverage limitations. The participating company collects the premiums and the countries for the losses of these premiums. If the insurance company collects more in premiums than it pays in losses, the excess must be returned to the government. Most of the time, insurance companies that sell flood insurance also sell homeowners, homeowners, and other policies.

In order for flood coverage to be effective, an application for the NFIP must be completed and accompanied by the full payment of the gross premium for the policy. The payment cannot be divided into partial payments and there is no payment plan available.

Once payment is received, there is a thirty-day waiting period for the policy to take effect. The waiting period is canceled only if you are buying a home and need to present all supporting evidence of insurance at the time of closing. If your new home is not in a flood zone and your mortgage doesn’t require flood insurance, don’t expect it to be paid out of your escrow account. If flood insurance is required, you can request that a payment be released from your escrow account, as well as your hazard insurance.

Let’s say you have a home and you have a homeowner’s policy and a flood insurance policy. If you decide to sell your home, you can do it two different ways with flood coverage.

You can cancel the policy, provide HUD statements and receive a refund, or you can assign flood coverage to the new homeowner. Flood insurance can be assigned to the other insured with the title to the property. Some insurance companies require the prior insured’s written consent and others do not.

How much does it cost to develop a grocery delivery mobile app?

“Ah thank goodness … groceries are delivered just in time, all thanks to my grocery delivery app.” We breathe a sigh of relief when we have mobile apps so useful for doing little household things like shopping. Especially in the Covid19 situation, where we want minimal exposure, these mobile grocery delivery apps are blessings in disguise.

According to a recent CNBC survey, mobile grocery apps will increase by 50% and online grocery sales have increased and are expected to increase by 20% in recent years.

Recent expansion in the grocery delivery industry

Consumers still prefer to visit grocery stores and buy the food they need for their daily needs. However, there is a rise in on-demand mobile apps, grocery delivery mobile apps are thriving due to the COVID pandemic being the main reason.

Other reasons include:

It’s too slow to wait in long lines

  • Grocery supermarkets are busy places, especially on weekends and holidays, so it becomes a hassle for working professionals to shop for groceries.

  • Most of the time, we tend to buy unwanted items out of temptation, which is another reason for rising grocery bills.

Today’s e-grocery business is a growing business due to Covid-19. Your business can be very beneficial if you develop a grocery mobile app. Let’s go over some of the latest statistical data on online grocery stores:

Around 30 million users are forecast to prefer using mobile grocery apps by 2022.

Online grocery sales in 2019 were $ 22 billion, which is estimated to exceed $ 30 billion by 2021. According to company inside information, 10% of consumers shop online every day. days.

If you are considering developing a grocery app, this is the perfect time to seize the opportunity. Brands such as Instacart, Amazon, Publix, PeaPod, FreshDirect, Farmigo, and Costco have also joined the race for grocery app development.

Additional Benefits Your Business Gains With Your Own Branded Online Grocery Mobile App:

Reduced overhead

Improve customer loyalty

Increase convenience

Better inventory and order management

You have the opportunity to analyze your consumer’s buying patterns.

Increase your brand awareness

Provide a wide range of products and brands.

Market Leader Online Grocery App Income Model

Online grocery shopping is a suitable option for busy professionals. Also, in the COVID-19 situation, grocery delivery is the best option to avoid exposure to infections.

Before developing the mobile application, it is important that you gather information and review the online grocery application of the market leaders, which can help you get a fair view, knowing the loopholes to avoid.

Walmart grocery delivery

Walmart is a leading grocery store in the US Perhaps one of the fastest growing online delivery services in the world. Currently, it serves more than 1,500 cities around the world.

How the grocery app model works

The customer has to download the application or can place the order through the website. Items are categorized seamlessly for quick and easy ordering.


· Offers a free pickup option once you have selected the slot.

The shipping fee is negligible.

Offers subscription functionality offering unlimited groceries for just $ 13

Drop off spaces are available 24 hours a day, 7 days a week, 365 days a year.


Amazon is one of Walmart’s biggest competitors. Amazon not only delivers groceries, but also provides the customer with a wide range of products including household, electronics, apparel, OTC pharmacy, cosmetics, footwear, gardening, toys and games, etc.


Amazon offers a wide range of benefits in Amazon Prime membership

The biggest benefit is that it offers same day delivery, perhaps in less than 2 hours.

Products / groceries can be returned if they don’t like them, no questions asked.

Charge a minimal shipping fee / charges


It is a grocery pickup and delivery service provider that now covers about 85% of US households.


Charge $ 99 for annual membership

Shipping costs are very nominal, they vary according to the amount of your cart.

Delivery is free on orders over $ 35

The mobile app comes equipped with an “on demand” order feature and an “advance order” feature, allowing you to choose your convenient hours.

Must-Have Features in Your Online Grocery App

Simple sign-up process / Social authentication

List of products

Smart search

Grocery shopping reminders

Discounts and offers

Delivery scheduler

Delivery tracking

Quick reorder / reorder

Option to add to cart

Push notifications

Various payment options

Reviews and comments

Grocery Delivery App Development Cost

There are many factors to consider when it comes to developing a grocery delivery app and based on that, the cost is determined. Building a feature-rich grocery delivery mobile app is a complex process, the total cost is assessed by determining the complexity of the nature of the app and other primary factors such as:

Mobile application platform

App design

Essential Features

App size

Position tracking

Advanced and external features

My cart features

The rough estimate for the grocery delivery mobile app is:

To form a reasonable app, with the limited features and coding of Android, the cost involves:

Technology Documentation – $ 500 to $ 1500

UI / UX Design- $ 2000 to $ 3000

Front-end and back-end development: $ 7,000 to $ 25,000

Quality control and testing: $ 1,500 to $ 5,000

Taking overall costs into account, a regular grocery delivery will cost between $ 15,000 and $ 30,000 for a single pallet.

Final thoughts

COVID-19 will remain for a long time. Consumers are turning to the online grocery delivery shopping app instead of visiting the store in person. Otherwise, it is a total, convenient and quick time saver for shopping.

If you are planning to develop a grocery delivery app, now is the right time. However, you will be asked to research and study the revenue models of forerunners like Instacart.

Being a mobile app development company, we decided to write this blog post and provide you with information and informative features that you should have in your mobile app.

White Collar Crimes Invade the Foreclosure Market

The housing crisis in the United States is providing a ready victim market for foreclosure scammers and criminals who prey on unsuspecting Americans in dire straits. The unprecedented number of foreclosures in this nation is making promising white-collar scammers salivate. New foreclosure assistance companies and loan modification companies are emerging faster than you can count. Former mortgage brokers have now turned around and have suddenly become experts in loan modifications and foreclosure assistance. Everyone seems to be an expert in the foreclosure assistance market. Who will be the next victim? It could be you. Foreclosure scammers commit various serious crimes by perpetrating their crimes, including mail fraud, wire fraud, bank fraud, and providing false statements to federally insured lenders. Americans with a foreclosure problem receive five to ten phone calls every day, and the emails are too numerous to count. However, this is only half the problem. Bankers, scammers, and fake buyers are complicit in these crimes, but government law enforcement officials and even the FDIC are stepping back to allow it to happen. Case in point …

Waver Brickhouse, 69, fell behind on his $ 213,000 home mortgage and needed help. She had always been a churchgoer, but kept mostly to herself, living a lonely life and raising her four adopted children. In 1996, he bought his first home, and as economic times got tough, he fell behind on his mortgage payments in 2005. A white knight suddenly appeared, on the recommendation of a close friend, the white knight who was Home Savers Consulting. . The directors of Home Savers Consulting weren’t bankers, mortgage brokers, or real estate agents, but they were experts in foreclosure assistance, they said. Both Home Savers directors, Garth Celestine and Phillip Simon, had filed numerous complaints with New York City prosecutors, but no criminal charges were ever filed. Officials with the South Brooklyn Legal Services Foreclosure Prevention Project estimate that Mr. Celestine and Mr. Simon’s company had extracted more than $ 5 million in equity from the homes of unsuspecting individuals in just a handful of cases. How could this happen? How come people fall victim to these unscrupulous scammers? Here’s the tone …

Home Savers Consulting and its directors, Mr. Celestine and Mr. Simon, offered to refinance Ms. Brickhouse’s $ 213,000 home mortgage and make all payments for one year. This would allow Ms. Brickhouse the opportunity to use the money she normally used to pay off the mortgage to pay off her other debts. At the end of the year, Ms. Brickhouse was required to resume paying her mortgage payments and pay a small fee to Home Savers Consulting. Home Savers Consulting said they had found a “sponsor” who would assist Ms. Brickhouse in this transaction. Everything sounds good so far, doesn’t it? Well, keep reading.

In May 2007, Ms. Brickhouse attended a meeting for what she assumed was closing to refinance her home. He met with a representative from Home Savers Consulting, Indy Mac Bank, Yolanda Millett (the sponsor or fake buyer), and Ms. Millett’s attorney. The meeting was not a refinance at all. Without Ms. Brickhouse, everyone was there to sell her house and strip her of all her equity.

Ms. Millet, for her complicity as a fake buyer, received $ 8,000. Indy Mac Bank immediately awarded the new owner, Ms. Millet, a $ 380,000 mortgage that allowed Home Savers to withdraw $ 150,000 in equity from the home, the small fee that Home Savers Consulting was to receive. After the year ended, Ms. Millet returned the deed to Ms. Brickhouse along with the $ 380,000 mortgage. Now, instead of a $ 213,000 mortgage, Ms. Brickhouse faces a $ 380,000 mortgage! But the situation worsens.

Around the same time, Indy Mac Bank collapsed. The FDIC took over Indy Mac Bank and its large distressed mortgage portfolio, including the $ 380,000 mortgage on Ms. Brick House. FDIC representatives notified Ms. Brickhouse that she owed the $ 380,000 mortgage and wanted payment. Ms. Brickhouse, now realizing the fraud that was committed, refused and said he owed the $ 213,000 but not the $ 380,000 that was due to a fraudulent transaction.

Federal officials, in what I think is an astonishing statement, said they have no way of determining whether Home Savers Consulting committed fraud, and furthermore, they claimed that Indy Mac Bank was not involved! Not involved, you mean it! Court documents show that a representative from Indy Mac Bank was at the meeting, provided the $ 380,000 mortgage, and knew that Home Savers had no legal status and still did nothing. Equally incredible is the statement from federal officials who say they do not know if fraud was committed. Do these people really have a responsible job in our government? Apparently they do, but they certainly shouldn’t.

Ms. The Brickhouse case is still in limbo. Fortunately, he obtained legal assistance and all parties are trying to reach a reasonable and fair solution. Home Savers Consulting is still in business and federal prosecutors have yet to file criminal charges. Ms. Millett, for her part in the scam, stepped forward and admitted in an affidavit that Ms. Brickhouse “did not at any time believe that ownership of the property in question passed to me and that her intention it was never relinquishing ownership. “

The doors are wide open for get-rich-quick scammers in this hugely growing foreclosure market. Currently, federal officials are doing little to try to reduce this epidemic of loan modification companies that slip away overnight. However, the stupidity and absurdity of the FDIC officials, as demonstrated in the Brickhouse case, parallels the cruel and ruthless behavior of those who perpetrated the crime.

Building a Duplex: Tips and Tricks

Investment property in Australia is a hot commodity; Not only can you increase your real estate investment portfolio, but you can also use your investment property to earn additional income for your family. One of the ways to accumulate investment property is to buy or build a duplex or other dual-occupancy property. A double occupancy residence can be detached or semi-attached, such as an apartment above the garage or a separate building on a property. When it comes to building a duplex, the advice and suggestions of those who have been in your situation are of immense help before and after you begin the construction process.

Know the law

Building a duplex, or grandmother’s apartment, requires knowing a little about real estate law. You cannot build any structure without proper permits and you should never build any structure for investment purposes without first consulting with an accountant about the tax you must pay on the sale of the duplex or on the money you earn as rent for the duplex.

Meet all council building requirements

Additionally, your duplex must meet all structural, height, floor space, and other relevant and required restrictions before it can be built. This requires making a plan of the structure and including all the relevant details of the building. However, you can add an existing structure to make it a duplex or build a completely new structure on an empty lot.

What will you use the duplex for?

Before beginning the construction of your duplex, there are a number of other factors that you should consider. The first is what you plan to use duplex for. Many people often take advantage of these granny flats as a way to care for older family members.

The addition of a granny flat, or duplex, gives you the space and privacy you want, as well as the proximity required to care for your aging father or grandfather. Others use their granny apartments as an apartment for recent graduates looking to move house for a little more privacy; Since many graduates cannot afford a place of their own until school is over and jobs are secured, parents are allowing their children to stay in their duplex while they go to school. The situation is beneficial for both parents and their adult children.

Your other option is to rent the duplex to someone other than your family. This investment method generates income by renting your grandmother’s apartment to someone with a contract that requires you to pay a fixed amount of rent each month.

Why choose a duplex?

Duplexes add value to your home when you decide to sell. Adding a separate home is something buyers see as an improvement, which also allows them to use the structure for investment purposes in the same way that they do before choosing to sell their home.

These double occupancy homes are perfect for investment reasons, in-laws, visitors, older relatives, or your children when they are old enough to move out of their primary residence.

Tips and Considerations

Now that you have made the decision to build an apartment or duplex on your property, you should follow some tips and tricks. The first is that you always include the necessary accommodations to the duplex. You will get more money and more potential tenants based on the comforts of the duplex.

Furthermore, the structure cannot be considered a duplex if it does not have a bathroom, kitchen and living room. You can make the structure a “study” type building, which has a bathroom and kitchen and the rest of the living area is used as a living room, dining room and bedroom. However, the larger your duplex, the more potential tenants you will have. At least one bedroom will earn you much more in monthly rent than a studio duplex.

Another consideration is access to your home. If you are going to attach the duplex to your house and use it as a rental or investment property, you don’t want your tenants to have access to your house, which means that you have to make sure that the duplex has an exterior door of its own and does not have access. to your house.


Consider using building materials that are strong and visually appealing. Paint the duplex in a neutral color that most people will find attractive. If you plan to allow children or pets to live with their families, you might consider a hard floor, such as wood or tile, and avoid light-colored carpets that get dirty and stained easily.

Talk to the right professionals

Always get advice from the right people before building a duplex! Talk to your accountant, carrier, attorney, and mortgage broker. They will help you make informed decisions.

How to benefit by assigning "Subject to" Buying options for buyers with mortgage problems

For those looking to invest in real estate in today’s market, there is a unique way to make a profit without the need for cash or credit, and without the risks or headaches of owning rental properties. In this article, I’ll show you how you can place unsold homes under contract subject to the existing mortgage, and then assign the contract to a buyer who has failed to qualify for a mortgage. Your profit is on average around 5% of the purchase price.

This is NOT a mortgage assignment

One of the latest craziness circulating on the internet now, and in the email boxes of many investors, is a concept called Mortgage Allocation. For those unfamiliar with this, it will appear that you are simply assigning a mortgage from one person to another. Note that this is not the same as a mortgage assumption in which the lender legally transfers responsibility from the seller to the buyer. Rather, the assignment of a mortgage is nothing more than assigning the payments to the buyer, while the seller maintains the mortgage in his name. In the Mortgage Assignment program, the underlying transaction remains a sale subject to the existing mortgage. In any case, the seller of the property is still on the hook, as far as credit is concerned, if the mortgage is not paid. What you will be doing is finding sellers who are willing to sell their property subject to the existing mortgage and marketing that property to a buyer who has some cash, but cannot qualify for a mortgage under today’s stricter underwriting standards. .

Why you don’t need to be a real estate agent

One of the first questions that arises is how can you do this without being a real estate agent? Well it’s simple. What you will do is get the seller to agree that you place a call option on your property. You will market your interest in the property to other buyers. This is no different than marketing your own property to buyers as FSBO.

Understanding “subject to” offers

In a “Subject to” or “Sub2” agreement, you are purchasing the property subject to existing financing. This means that the existing mortgage will not be canceled. If there is equity in the home that the seller wants to retire, the buyer will need to have the cash on hand or the seller may agree to make the payments in the form of a second mortgage. Typically, a Sub2 deal is made when there is little or no equity in the property, because the seller is unable to pay the mortgage at closing, or pay fees and commissions, or both. The alternatives to this are a short sale or foreclosure, and neither is easy or pleasant.

The biggest problem one faces with Sub2 offers is something called an Expiration Clause. What this means is that when the property is sold, the lender has the right to cancel the mortgage, which means that the buyer would have to refinance the property of the seller facing foreclosure. However, in the experience of almost all Sub2 investors, not once has a mortgage been required on the sale. Many gurus teach all kinds of tricks to prevent the lender from being notified about the sale, including a Land Trust and Deed Agreement, but others will teach you to be honest with the lender and not lie or hide anything. The way a lender usually learns of the sale is not when the new deed is recorded, but when the homeowner’s insurance policy has a new owner. In my Find and Map package, I explain the expiration clause for sale in more detail and why it’s not something you need to worry about.

The seller’s dilemma

Right now, the market is perfect for Sub2 assignments. Many houses are now under water, which means that the seller owes more on the mortgage than the house is worth. There are sellers who can no longer afford their mortgage payments and are struggling to make their payments each month or are behind on their payments and face foreclosure. In Find and Allocate, I have a matrix that shows the various options a seller has for disposing of their property, along with the costs for each. If you can show a seller how you can get away from your property and make mortgage payments without hurting your credit, you have a motivated seller who is receptive to your offer.

The buyer’s dilemma

In the past, all you had to do to get a mortgage was to fog up a mirror. This means that you simply had to be alive! Banks and mortgage companies made loans to anyone who could complete an application. There were undocumented loans, declared income loans, and subprime homebuyer loans. The initial payments are as low as zero. Fast forward to today. Now, you must prove your income, provide two years of tax returns, bank statements, and have a credit score north of 680. What we have now are buyers who a few years ago could get a mortgage, but not now. . Therefore, you are in the perfect position to sell houses that cannot be sold to buyers that cannot be loaned, all simply by having the seller make a call option subject to the existing mortgage and assigning this agreement to a buyer for a assignment fee. The new buyer obtains the deed at settlement and pays the closing costs.

Find sellers

There are many ways to find sellers, including posting ads on Craigslist and newspaper classifieds. A sample ad may say “We buy houses with little or no equity. Avoid making more mortgage payments.” A great way to find sellers is to call real estate agents and ask them to provide you with leads from those who want to sell but can’t because they can’t get the cash to settle. You can offer the agent a referral fee. If the agent is honest and says they cannot accept a referral fee, you can still legally pay the agent by having the agent become your buyer’s agent. When you get the house under contract and then assign the contract to the final buyer, at the time of liquidation, the agent will receive his legal commission, depending on what he agrees to. In Find and Assign, I go over many other ways to find sellers for the Sub2 assignment program.

Find buyers

Of course, you need buyers to complete the deal and make money. You can find buyers by posting ads that say “Buy a home with no mortgage qualification. 10% cash required.” You can run these ads on Craigslist and newspaper classifieds. You can also call home loan officers and ask for tips on those who want to buy a home but cannot qualify for a mortgage. What you may have to do is simply give your information to these loan officers and ask them to give it to potential buyers. You can offer a fee to LO on any deal you make.

Drafting the agreement

There are two ways to do this. One way is to write a simple real estate sales contract, where after your name write “and / or assign”. In the purchase price section, you would write the price, then “subject to existing financing as detailed in Appendix A. In the appendix, you would list the balance of the mortgage or mortgages on the property and the existing monthly payment. Not needed. special forms. It’s just the wording you need to use. The second way is to write a purchase option on the house, using the same language theme. You would then assign the purchase agreement or option to the new buyer. If you use a purchase agreement purchase, you need to make sure you have the proper escape clauses that allow you to walk away from the deal if you can’t find a buyer. You don’t really want to buy the property, and that’s what the agreement says. With a call option, the seller is giving you the right to purchase the property, but you do not agree to do so. 90 day period, simply withdrawn.

When making these agreements, there are also some disclosures that must be signed by the seller, that is, disclosing the fact that the sale is subject to the existing mortgage and that the mortgage will remain in your name. It also discloses the potential of the Expiration Clause for sale. What I always suggest is that before you get started on this, find a real estate attorney who has done Sub2 deals before. You can find one the same way I do, on Craigslist! In Find and Assign, I tell you how I did this and what questions to ask. You may also need a title agency to close the deal, and I cover that in Find and Assign. Your real estate attorney should also know one to use.

Close the deal

All you really have to do is get the End Buyer to issue you a certified check for your assignment fee after doing your due diligence on the property, including a title search, inspection, etc. The title search will show you each and every link that is attached to the property, along with any judgments about the owner and any back taxes that are due. You can use any title agency to conduct a search. The fee would be around $ 60. You can either have the buyer do this or have the seller do it and make it available to potential buyers.

When you have a buyer for the property, you want to refer them to your real estate attorney to close the deal. In this way, you have done your part to bring the two parts together and earn your allocation fee. The key is to have a real estate attorney involved in these deals and not try to close a “kitchen table.” You don’t want the buyer’s seller to approach you because you didn’t disclose everything that you should have. If you do this correctly, you can earn a reasonable income by assigning only one or two properties per month. If you search online, you can find pretty much everything you need on forums and other sites. There are no special forms, apart from a Call Option, Call Option Assignment, Purchase Agreement and of course the CYA Disclosure Form. Other forms involved are an authorization to release information and perhaps a power of attorney. If you find a real estate attorney who has made these deals, this person can provide you with all the forms you need.

Learn more

In my Find and Assign package, I provide you with much more detailed information on how to perform Sub2 assignments. All of this is in one of the bonus packages in the form of a 42-page guide, plus all the forms and agreements you need, including a very detailed disclosure form. I teach you many ways to find sellers and buyers, and even show you how to get others to search for properties for you without cash upfront. Along with this, you get a PowerPoint package that you can use with vendors, along with other helpful tools and resources. No need to spend hundreds of dollars on courses or workshops. Once you understand how to find buyers and sellers, and know which forms to fill out, you can start doing this with very little cash. All you really need is the motivation and dedication to place ads online and what to say to those who call you from your ads. In Find and Map, you even get scripts and information to send to sellers and buyers.

Don’t go to close before doing this, or you will really regret it!

There is one thing most people don’t do that can cost you dearly before sitting down to sign the closing document. Learn from my bad experience.


You had the house inspected. Check. You calculated the amount you will need for the repairs. Check. You get all your paperwork from the title company and the mortgage company. Check. All ready to sign the closing papers? Incorrect!

What else is left to do? You should inspect the house one more time immediately before going to closing.

What happened to me

In July 2008, I made an offer on an investment house that I thought would be a good rental property. I negotiated a deal with the seller in which she would pay part of the closing costs. I hired a capable home inspector, who wrote a good property report. The closing was delayed a week because the lender asked me for more documentation. During that week, I did not go back into the house, although I did take a few steps to keep an eye on it.

After signing the papers on July 18, I immediately went to the house to start some repair work. Upon opening the door, I was overwhelmed by a powerful musty / musty smell. The carpet was wet and I heard the splash as I crossed the living room to the bathroom. I saw that the hot water was leaking and had flooded the house.

Leaky hot water heater creates a greenhouse environment

What’s worse, with the windows and doors closed, the hot water had created a humid greenhouse environment that was perfect for mold growth. And when I looked around, I could see mold on almost every wall, from top to bottom.

After a futile effort to try and clean up the mess, I called the agent representing me and the seller. She came to the house and immediately contacted the title company and the lender to stop the deal. I was lucky that the closure took place on Friday afternoon because the documentation would not be filed until Monday morning. The deal was stopped and I got my entire advance and down payment back, except for the cost of the home appraisal and inspection.

A hard lesson learned

If you had done the final inspection before going to closing, you could have saved a lot of time and effort.

I’ve been through a lot of closings and never did a final run before closing. But from now on, I will never fail to do so.

As an epilogue, when I went on vacation to Mexico after this episode ended, I made it a point to turn off the gas and water to the water heater at my personal residence.

I think I have learned my lesson.