St. Louis Realtor Podcast

In this episode REALTORS® Adam Kruse, Shannon St. Pierre, and Connor Klenke talk to Jeff Coffman of https://sub2empire.com/ about Subject-To investing, which is a method of purchasing properties while leaving the seller's loan in place. Find out how Subject-To investing helps to avoid paying closing costs twice.

Email questions to PODCAST@HermannLondon.com

Adam Kruse - https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre - https://hermannlondon.com/realtor/shannon-st-pierre/

Connor Klenke - https://hermannlondon.com/realtor/j-connor-klenke/

Jeff Coffman - https://sub2empire.com/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Theme Song by Trastornobeats

Produced by Joey Vosevich

2:40 Jeff was previously on episode 62 of the podcast talking about being the victim of serial squatters. Jeff gives an update on the situation

7:55 What if Jeff had squatters now during COVID while evictions are not allowed?

9:10 What is Subject-To investing? Is Subject-To investing a scam?

10:30 Is Subject-To investing the same as assuming a loan?

12:18 What is Jeff’s preferred method of Subject-To investing?

13:55 Taking the property in a trust vs. llc

15:30 It is recommended to get an attorney involved

16:00 What is the benefit of putting the property into a trust? Will the bank call the note due?

17:00 The number one way of avoiding the due on sale clause is simply to make payments

18:00 What kind of time frames does Jeff put into his agreements when it comes to when the seller leaves and the exit strategy?

19:00 There is currently a shortage of lumber and the cost has doubled

22:00 What are the risks to the seller? Do tax liens and utility liens stay with the house?

23:00 Personal judgments will not usually follow the house

23:30 Does the original home owner make money off of this deal?

24:20 Subject to investing is a way to avoid short sales and avoid damaging the seller’s credit

26:10 What are the ideal numbers to do a Subject-To deal? Jeff likes to stay in the 90% loan to value range

28:00 Jeff will make a deal with negative equity if the home will cashflow as a long term rental of at least $300 a month

29:10 What is the great retail divide?

31:00 Are there any loans Jeff stays away from? Jeff advises staying away from reverse mortgages because there are frequent occupancy checks.

32:00 Jeff is currently working on a 2 family property with a tenant in the lower unit. What are the details of the subject to deal on the property?

45:50 How does Jeff handle rehabs? How does Jeff structure his LLC deals?

49:00 Is there a title company Jeff prefers for his Subject-To deals?

50:30 What does Jeff’s team look like?

51:20 What is the benefit of Jeff’s wife getting her agent’s license?

53:20 How does homeowner’s insurance work when doing Subject-To deals?

58:00 What is the benefit of doing Subject-To vs an “as-is”?

1:00:30 It is good for agents to know this is an available option.

1:01:00  Join the Subject-To Real Estate Investing Mastery Facebook Group

In this episode REALTOR® Adam Kruse talks to Mary Kausch of https://www.alignmentpartnership.com/ about what it takes to be a great entrepreneur, boss, and team builder. Find out how Mary helped Adam communicate better with his co-workers and loved ones.

Email questions to PODCAST@HermannLondon.com

Adam Kruse - https://hermannlondon.com/realtor/adam-kruse/

Mary Kausch - https://www.alignmentpartnership.com/about/

ITUNES - http://goo.gl/rs1q9X

Blog - https://hermannlondon.com/resources/

Website - http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Theme Song by Trastornobeats

3:10 Mary has been a self-employed entrepreneur for over 29 years. How did she become so motivated?

4:00 How did bad bosses motivate Mary to start her own business?

4:39 What makes a bad boss?

6:00 Why was Adam worried about requiring agents to use a checklist when it came to turning in paperwork for each deal?

7:40 How does Mary decide what she is going to get done on any given day?

9:30 When does Mary plan what she is going to get done for the week?

11:05 Mary used to use Post-It Notes. She still uses a little book she always keeps on her.

12:43 Planning too many things to get done in a day is setting yourself up for failure

14:43 Mary doesn’t apologize for taking a break and unplugging

16:17 What does Mary do when she takes a 1 month retreat and why does she do it in July?

22:41How has the DISC personality assessment affected Adam’s life?

29:00 Adam compares the DISC personality assessment to painting a room

30:30 Adam learned how to work with Geri, his office manager, through the DISC assessment

34:32 How do different people learn in different ways?

37:08 Contact Mary at 314.409.6622 and Mary@AlignmentPartnership.com

40:40 What is emotional intelligence?

45:00 Adam finds that some agents need a script before making cold/warm calls to potential clients

50:38 6 P’s of the Leadership of Organizational Excellence

53:47 Why does Mary encourage businesses to join a Chamber of Commerce?

Try Deal Machine today here https://dealmachine.app.link/stlouis

Email questions to PODCAST@HermannLondon.com

Adam Kruse - https://hermannlondon.com/realtor/adam-kruse/

Matt Kamp - Email matt@dealmachine.com / phone 314.239.8050

ITUNES - http://goo.gl/rs1q9X

Blog - https://hermannlondon.com/resources/

Website - http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Theme Song by Trastornobeats

3:43 What is DealMachine and how does it help real estate investors?

4:32 Where did the idea for DealMachine come from? What does the term “driving for dollars” mean?

5:29 How does taking a picture of a property pull up contact information from public databases

5:55 How does DealMachine help investors contact absentee owners?

6:30 How does the free CRM (customer relationship management) in DealMachine help keep everything organized?

7:05 How does DealMachine’s list engine work?

8:05 Adam feels REALTORS® fall in 3 categories when it comes to getting new leads

11:50 Including a recent picture on postcards has a much higher response rate

12:38 A ballpoint pen written letter gets a higher response rate and can be ordered through DealMachine

14:00 Before software was available, driving for dollars was very inefficient for Adam

15:00 You can set up investment criteria ahead of time so only the most desired properties are highlighted

16:15 What is the difference between a cold call and a warm call?

18:35 What have become the most popular features of DealMachine?

21:20 How does the skip-tracing feature of DealMachine provide potential phone numbers for properties?

24:30 How much real estate investing has Matt Kamp personally done?

28:36 What is Matt Kamp’s contact information?

29:00 What do I become a DealMachine affiliate?

29:30 What states use Deal Machine the most?

Adam Kruse-https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre-https://hermannlondon.com/realtor/shannon-st-pierre/

Becca Davis, Customer Success Rep. for Blip - https://www.blipbillboards.com/

0:45 Adam introduces Becca Davis, Customer Success Rep. for Blip Billboards

1:20 Blip has about 1,400 digital billboards where customers can buy billboard space 7.5-10 seconds at a time

3:22 Blip considers themselves the AirBnB of digital billboards

4:07 Does Blip own the billboards?

5:30 Blip doesn't put up billboards but can help you get in touch with the right people

6:25 It's hard to find billboards on the East Coast outside the big cities

6:40 What makes a billboard different from a mural? Does a billboard owner have to pay taxes?

8:20 If a digital billboard can't fill their spots directly then Blip will fill the empty inventory

9:30 What is the user experience for using Blip Billboards?

10:53 The national average per 8 second Blip is $0.10

11:30 Clients can hire Blip to design the art for them

12:42 How does Blip Billboards track impressions?

15:01 A billboard should be part of a larger marketing campaign

15:31 What REALTOR calls to action work on a billboard?

16:30 There are multiple levels of approval for every design

17:50 What inappropriate things have been submitted to Blip?

18:40 Adam introduced Blip to his agents years ago

19:30 Have people submitted marriage proposals? Do billboards allow personal ads?

20:50 How do clients know when their ad will display? Can clients stop a campaign whenever they want?

24:16 What Blip analytics are available to the client?

25:45 What makes a billboard design good? Are phone numbers useless to put on billboards?

28:45 7 touches are needed to convert someone to your product

29:50 How can you and your friend both earn $75 with the Blip referral program?

Adam’s Blip referral link

blipbillboards.com/referral-program-start/?utm_source=promo&utm_campaign=tsmxtd&utm_content=hymeaw

31:36 Has Covid made Blip Billboards more affordable? Why should small businesses advertise more during a recession?

33:49 What kind of people have bought billboard space just for fun?

35:24 Does Blip have competitors?

37:30 Adam’s friend regretted signing a contract with a traditional billboard company

39:14 Email becca@blipbillboards.com if you have questions about Blip

Adam Kruse-https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre-https://hermannlondon.com/realtor/shannon-st-pierre/

Lindsay Walter - https://emotionalgrowthstl.com/staff/lindsay-highres/

Blog-https://hermannlondon.com/resources/

Produced by Joey Vosevich

Theme Song by Trastornobeats

0:45 Adam introduces Lindsay Walter, MA, LPC

1:13 Shannon is in the middle of a big move to a new town and her 9 year old daughter has not been taking it well

2:50 Shannon's daughter really doesn't like people coming into the house and looking through her room

4:00 Where to start the conversation about moving with your child

4:35 How do you make it so the kids know that the family is a team?

5:00 How did Shannon's daughter know that people were coming into her room?

5:58 Meet the child with empathy instead of jumping right into fix-it mode

8:00 Shannon's daughter is refusing to declutter

12:00 Shannon's daughter doesn't want to leave her underwear at the house when she is not there

17:28 Shannon's daughter hasn't really been able to say goodbye to her school friends because of the pandemic

19:30 Take pictures and videos with the child and put them into a digital scrapbook showing all the people and places that they loved

22:00 Have a goodbye moving day ceremony to thank the house for all the ways it served the family

23:30 How to acclimate to the new place.

27:30 There is a home inspection company that will verify that the home is monster free

30:30 Shannon's daughter loves this book where the only way to get rid of monsters is to kiss and hug them

31:30 What should parents be doing to the home so their child can succeed during quarantine?

36:36 Shannon feels that moving to an unfamiliar state and being forced to isolate is a recipe for disaster

39:00 Is it okay for children to bond with their friends over video conferencing apps?

42:30 What kind of families does Lindsay usually work with at Emotional Growth STL?

46:55 How do you teach a child coping skills?

48:30 How do you talk to a child who is having a meltdown?

53:28 Contact Lindsay by going to EmotionalGrowthSTL.com

In this episode, REALTORS® Adam Kruse and Shannon St. Pierre talk to Jeff Randall from Pennies in Your Pocket about estate sales. Find out why a professional estate sale is usually more profitable than a yard sale, even after the client pays the commission. Also, find out what kind of effect shows like Antiques Roadshow, Storage Wars, and American Pickers have had on the estate sales business.

Email questions to PODCAST@HermannLondon.com

Adam Kruse-https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre-https://hermannlondon.com/realtor/shannon-st-pierre/

Pennies in Your Pocket – https://www.stlouisestatesales.net/

https://www.facebook.com/PIYPestatesales/

ITUNES – http://goo.gl/rs1q9X

Blog – https://hermannlondon.com/resources/

Website – http://hermannlondon.com/

Facebook – https://www.facebook.com/HermannLondon/

Twitter – https://twitter.com/HermannLondon

Instagram – https://www.instagram.com/hermannlondonrealtors/

Address – 7350 Manchester Rd, St. Louis, MO 63143

Phone Number – 314-802-0797

Search For Homes on http://www.wizah.com/

Producer – Joey Vosevich

Theme Song by Trastornobeats

1:15 Adam introduces Jeff Randall of Pennies in Your Pocket

5:41 Why do people go to estate sales when they can get almost everything from Amazon?

9:20 How can en estate sale help with downsizing?

14:09 What's the difference between a yard sale and an estate sale?

18:18 What day of the week is the best to go to an estate sale?

19:56 Can I still have an estate sale while living in my home?

25:00 What types of items are usually left over at the end of estate sales?

27:35 Are estate sales good for finding tools and cleaning products?

31:45 How do estate sales advertise?

35:00 Is security ever needed at an estate sale?

36:00 Can estate sale employees buy items at the estate sale they are running?

40:16 How do estate sale employees learn how to appraise items?

42:00 What is the most valuable item Jeff Randall has ever sold?

43:24 Do REALTORS and investors ever reach out to estate sale companies to find out if a property is about to be for sale?

45:55 Does Jeff Randall watch shows like Antiques Roadshow, Storage Wars, and American Pickers

49:30 What collectibles are going to be valuable in the future?

55:00 Do younger people ever buy decorative furniture like hutches, buffets, and dining room sets?

57:38 Are estate sales held year round?

13:58 What kind of things does Habitat accept?

14:20 Habitat helps take out items from homes being rehabbed

16:01 Ted helped open the first St. Louis ReStore on Forest Park Blvd.

19:35 What’s different about the inventory at the West County and the city stores?

20:14 Inventory changes hourly. How do you know when new stuff comes in?

24:00 Call the store to check on inventory

27:33 It’s hard to keep roofing tiles and  window blinds on the shelf

28:40 Has anyone ever accidentally donated something like a bag of cash?

31:00 Are there ReStores all over the country?

31:40 Is donating tax deductible?

33:05 Is it first come first served?

34:33 What motivates Ted to volunteer?

37:00 What are the teambuilding events like?

43:00 Does Habitat ever build multiple homes in 1 neighborhood?

44:50 How long is the waiting list?

46:30 How old do volunteers have to be?

47:00 Make sure to send donations directly to Habitat Saint Louis if you want it to stay in the community

48:00 Go to Habitat STL’s trivia night in September

49:00 Habitat is the most worthy volunteer opportunity Ted knows of

Adam Kruse-https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre-https://hermannlondon.com/realtor/shannon-st-pierre/

Sam Baer of Servpro - https://www.servpronorthweststlouiscounty.com/

https://www.instagram.com/servproofnwstl/

https://www.facebook.com/ServProofNorthwestSt.LouisCounty/

Producer - Joey Vosevich

Theme Song by Trastornobeats

3:05 Does Sam watch true crime shows on Investigation Discovery Channel and Hoarders on A&E?

4:35 Sam Baer works for business development of Servpro of Northwest St. Louis County which owns Servpro Oakville/Mehlville, Affton/Webster Groves, and Clayton/Ladue.

6:15 What does Servpro do as an emergency response contractor?

11:05 What is biohazard?

12:25 Why does concrete need to be chipped out and removed if there is biohazard left on it?

14:30 If biohazard remediation is not done right then the homeowner will find out because of the smells

15:25 How long do you have to find a body before they become a biohazard?

16:24 The longer a biohazard sits the more expensive the remediation is

16:54 What training has Sam had to go through?

18:26 At what point in a biohazard discovery is Sam called in to help?

19:23 If the homeowner has a deductible, Sam can tell them what they can do to meet that deductible immediately to get the work started

20:20 How long can biohazard sit before Sam has to rip out the floor?

22:10 Itel is a company that can match flooring samples to help find a replacement

24:22 What is the worst thing that comes out of a body?

25:57 Is there a way to find out if there was a death in a home?

28:21 There is always an undeniable smell linked to biohazard

34:16 What happens when Sam finds evidence like shell casings or notes?

35:30 How does Sam document how he handles the homeowner’s personal items?

36:41 Why doesn’t Sam use harsh chemicals like hydrochloric/muriatic acid? Why does Sam prefer to use concrobium broad spectrum to clean?

42:03 Jon Don is the major supplier to restoration companies. They also offer training.

42:46 How can someone get their new home COVID cleaned?

44:20 Sam has just started to COVID clean restaurants

45:40 COVID cleaning involves fogging and wiping

46:10 Servpro learned a lot by COVID cleaning first responder vehicles

47:18 314-461-2020 is Sam’s direct number.

47:54 314-846-0600 is Servpro’s phone number

Adam Kruse - https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre - https://hermannlondon.com/realtor/shannon-st-pierre/

Alicia Sierra - https://hermannlondon.com/realtor/alicia-sierra/

ITUNES-http://goo.gl/rs1q9X

Theme Song by Trastornobeats

1:50 Adam introduces REALTOR® Alicia Sierra

2:20 What is house hacking?

3:05 The ultimate house hack is where the buyer would actually cash-flow while living in the house

5:17 There are special programs and grants available for first time homebuyers

7:40 Credit union 100% financing may only work on a single family residence but there may be a floorplan that leads itself to privacy like a walk out basement

8:48 There should be a homebuying course in highschool

9:08 Alicia is helping her 18 year old build credit now

11:05 Keep in mind what kind of landlord you want to be

12:18 When Adam bought his first house and had his friends move in there was some confusion about whether they should just pay the mortgage or pay market rate

16:27 If you know the terms of the loans then you can plan out your cashflow

20:40 What is holding people back from house hacking? What makes a person buy a house?

22:14 Why is there so much demand for turn-key properties?

22:30 Why aren’t buyers maxing out their pre-approvals?

23:30 Adam liked renting when he was younger because he didn’t have to care about the cracks in the house

27:53 You always have to ask “what if the house is damaged and there is no income”

28:15 Is it important to buy a house you can afford even without roommates?

29:58 The rental income should be a bonus and not something you have to rely on

30:15 What kind of house is best for house hacking?

32:30 Is the homebuyer willing to take on projects or do they want a turnkey property?

35:20 Get a boyfriend or girlfriend so you can charge them rent :)

36:30 Use a property manager if you don’t want the duties of a landlord

38:30 Talk to an attorney to be prepared for worst case scenarios

38:50 Get into the habits of an investor so hire a property manager and an attorney now

45:05 What is a construction loan?

47:15 Use your banker and REALTOR® to help strategize

50:50 How do you raise rent on tenants when they are paying way below market rate?

52:28 You can buy other investment properties while you are house hacking

1:01:09 Follow Alicia on Twitter @StandUpAgent, or call 3143259565, text cashflow to  3143104199 to get on the list

Kevin Kelly of https://snakebiteco.com/ and http://www.anti-agency.org/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/resources/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:42 Adam introduces Kevin Kelly, the owner of Snake Bite Co. and Anti- Agency

1:56 Adam helped Kevin buy a building 7 years ago

2:44 Kevin started Snake Bite Co. 6 years ago

3:06 Custom wholesale is a big part of Snake Bite Co.

4:05 Adam and Kevin did an event on Cherokee where Adam was giving away coozies while Kevin was selling his

4:40 Definition of Perfunctory

6:00 Snake Bite Co. started by making over designed bottle openers

8:35 Adam didn’t know whether to show Kevin commercial properties or funky houses

10:52 Kevin has filmed commercials in his home

11:50 The public office idea fell away after 2 years

13:37 Kevin had to strategize how to stop people from wasting his time by taking less meetings

15:03 Kevin has a system to his day that includes avoiding his phone and reading a book

16:30 Kevin’s problem with pop psychology self-help books and why he often prefers fiction

18:55 Going to a coffee meeting doesn’t mean you furthered your business

19:49 Kevin quit his 60 hour a week art direction job when he was 25

22:22 Adam has friends who works from home but are tracked by mouse movement and phone calls

23:35 “You won’t be happy until you work for yourself but I wouldn’t recommend it to anybody”

24:10 What are vacations like when you work for yourself?

26:18 What happens when no one expects you to be at the office?

29:58 “Being productive is a form of meditation”

31:44 Kevin never takes his laptop out of his office room

39:20 “Time is the most precious currency that people give away so freely”

39:40 Will the Corona Virus cause more people to work from home?

40:35 Kevin hates video conferencing but currently likes https://whereby.com/

42:15 Kevin used to lie and say Anti- Agency was 9-15 people but it was just him

44:00 Finding good employees is the hardest thing to do

47:44 Listen to the Anti- Podcast http://podcast.anti-agency.org/

In this episode, Realtor Adam Kruse and Realtor Shannon St. Pierre talk to Amrit and Amy Gill of Restoration St. Louis http://www.restorationstl.com/. Find out how they have succeeded in breathing life back into neglected neighborhoods like The Grove by developing the worst 10% of the properties.

Email questions to PODCAST@HermannLondon.com

Adam Kruse-https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre-https://hermannlondon.com/realtor/shannon-st-pierre/

Amrit and Amy Gill-http://www.restorationstl.com/

Facebook - https://www.facebook.com/HermannLondon/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:51 Hotel Saint Louis is their latest project

2:23 Everyone within their companies must know the mission statement

2:39 Their mission statement is to strengthen and enhance the communities they operate in by redeveloping neglected neighborhoods and making them great places to live, work, and play

3:08 Adam remembered seeing their double headed eagle logo spray painted on homes 14 years ago 

3:28 The first neighborhood they redeveloped was the loop and then they worked their way to the Coronado by SLU campus

4:58 A & A Contracting was their first company

5:39 How did they choose to start redeveloping The Grove neighborhood in St. Louis?

7:04 “Every building is like a person. Single and unrepeatable.”-Louis Sullivan

7:37  In 2003 they mounted an aggressive effort to save the Harris Teachers College

11:06 SLU wanted to buy up everything and tear it down. They would buy the drug houses around SLU and redevelop them.

12:02 The Grove started out as a defensive project in 2004 

13:10 Once people find out the Gills are coming, property values jump and speculators start to snatch up properties

14:20 They buy unoccupied properties 99% of the time

15:01 They will map out the entire neighborhood so they can focus on the worst 10% of the property

17:15 Rents in The Grove were around 50 cents a square foot when they started developing the neighborhood.

19:36 When the recession hit, the community banks they had construction loans with went out of business. The bigger banks tried to put liens against their properties

27:15 How do they operate their business differently since the recession?

42:30 How did Amrit and Amy Gill get started in redevelopment? What was the first building they ever bought? What happened when Amrit and Amy Gill tried to buy their first building in the Delmar Loop?

52:08 They worked with Pulaski Bank to create a program where people could cash their checks with no charges and no overdraft fees

56:42 What is the next area they will be redeveloping?

58:07 St. Louisans are down on St. Louis because of the decline of downtown

59:00 They will be expanding Hotel Saint Louis into The Chemical Building next door

1:01:00 To redevelop downtown St. Louis it must be made attractive to young people

1:04:08 If we care about St. Louis as a region and its place in this nation then we’ve got to make downtown a lot more vibrant

In this episode, Realtor Adam Kruse and Realtor Shannon St. Pierre talk to Jeff and Shelly Coffman of https://missourisellnow.com/ about their recent problem with professional squatters and the nightmare they put Jeff and Shelly through. 

In 2019 Jordan Harris and Barbarita Jimmerson took over Jeff and Shelly’s Hazelwood, Missouri rehab until KMOV investigative reporter Chris Nagus got involved and exposed Jordan and Barbarita on television. Find out just how manipulative these squatters were and how they got away with doing the same thing to at least 16 other property owners. 

If you have been defrauded by Jordan Harris or Barbarita Jimmerson, contact John Shields at the Missouri Attorney General’s Office at 314-340-3417.   

DISCLAIMER: IN THIS EPISODE THERE ARE A LOT OF LEGALITIES DISCUSSED. WE ARE NOT ATTORNEYS. CONSULT YOUR OWN ATTORNEY TO VERIFY ANYTHING DISCUSSED IN THIS EPISODE.   

Email questions to PODCAST@HermannLondon.com  

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Jeff Coffman -  https://missourisellnow.com/

Shelly Coffman - https://humbleseedcoaching.com/

2:00 KMOV did an investigative report on Shelly and Jeff Coffman’s squatter problem. Watch it here https://youtu.be/wnQ8OBOoe4I

2:28 Jeff Coffman got started in real estate investing in 2014 and was able to quit his day job in 2017. Shelly quit her day job in August of 2019.

3:30 Jeff enjoys doing Sub2 (subject to) deals. What is a Sub2 real estate deal?

8:30 How long did Jeff spend rehabbing this home?

9:30 Two months before the home was finished, Jordan saw the dumpster in the driveway, walked in the door, and told Jeff he was interested in buying the home. The house was not on the market yet.

10:30 Two days before the home was finished, Jordan Harris showed up to the house again and asked to put a contract on it.

12:07 Jordan gave Jeff a pre-approval letter and then spoke with Jordan’s lender

13:58 A few days later Jordan asked to take possession prior to closing. Jeff said no but wrote up a 30 day lease instead

14:50 Is buyer possession prior to closing on a property common?

35:50 During court, Jordan and Barbarita kept making a scene.

40:55 On December 29th movers were hired by Jordan. After Chris Nagus and the police showed up, one of the movers started broadcasting the situation on Facebook Live.

56:19 How did Jeff Coffman end up on KMOV?

59:08 Can you garnish someone’s wages for not paying rent if they were not on the lease?

59:40 How did Jordan and Barbarita use Realtors to find their next target? 

1:01:42 Jordan used religion to convince people to trust him. Jordan told Jeff, “God told me to turn down this street”.

1:02:50 How many people have been victimized

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:41 Adam introduces Realtor Shannon St. Pierre

2:21 This year’s Hermann London theme is “Someday is Today”. Quit putting off those things you've been dying to do.

3:08 So you've decided to become self-employed

3:44 How are escalation clauses used when there are multiple offers and how do different Realtors handle them?

6:22 Why do home-buyers send letters to sellers when trying to convince them to sell the house to them? 

9:08 Shannon and Adam are Realtors not CPA's or attorneys. Make sure you consult with your CPA and attorney first.

10:08 Contact Hermann London before deciding to quit your job and become a Realtor and ask any questions you have

10:56 What special things do I need to do to become self-employed?

11:11 What will a self-employed person need to do to have health insurance?

12:30 What should I ask my accountant and lawyer before becoming self-employed?

14:30 Do I need business insurance when becoming self-employed?

14:57 What is the very first thing I should do when starting a business?

15:50 What is my new business classified as to the government? Sole proprietor? S-corp? C-corp?

17:08 Should I file my LLC in Delaware or Nevada?

18:11 How is a W-2 employee different from an independent contractor?

19:34 Do I need an employee identification number (EIN) when becoming self-employed and to open a bank account?

20:24 What kind of checking account should I open when starting a business and how do I avoid bank fees?

22:44 When should I get an operating agreement when starting a business? What is an operating agreement?

25:34 Is it better to have a credit union or online checking account when starting a business?

26:58 What kind of credit card should I open when starting a business? Is there a difference between a personal credit card and a business credit card?

29:59 How do I keep track of my business expenses and should I pay for a Quickbooks subscription?

31:51 Do I need to keep a lawyer or accountant on retainer to run my own business?

32:30 How does Hermann London Real Estate Group help agents with all their legal forms?

35:19 When do I have to pay quarterly taxes when I become self employed?

36:57 Do you have to pay off tax liens before you can buy property?

38:05 How does becoming self-employed affect my ability to buy a house or get financing? Should I buy a house before I quit my full time job?

40:30 How much are the required classes to become a Realtor and are there discounts if you contact Hermann London first?

42:48 Agents often interview the brokerage to see if they want to work there

45:02 Hermann London focuses on retention of the agents they already have over recruiting

46:08 What will all of my expenses be to get started as a Realtor?

47:25 What are the three big things you get access to as a Realtor? What is the MLS? What is Supra?

1:00:00 Shannon has a very interesting listing coming up in Soulard that has solar, a greenroom, is automated, and has emergency lighting throughout. Call Shannon at 314-583-0070

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Producer - Joey Vosevich

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Theme Song by Trastornobeats

0:20 Adam introduces Realtor Shannon St. Pierre. Call Shannon St. Pierre at 314-583-0070

2:23 The Hermann London update

2:30 New agents have joined in the past few months

2:45 The big Hermann London business planning event is on Tuesday, January 14th

4:00 Why is firewalking on Adam’s bucket list?

5:50 Why is finding beauty in chaos on Shannon’s to-do list?

6:45 A gigantic beautiful house that Shannon’s fantasized about living in came on the market so she took Adam to go see it

8:15 There are agent comments in the MLS that the public can’t see. What things are mentioned in the hidden agent comments on the MLS?

9:25 Is it false advertising if there are photos of items that are specifically not included in the sale of a home? What happens if the sauna or stove are not included in the sale of a home but are in the pictures?

11:02 If something is not included in the sale of a house is it better to put it in storage or replace it before listing it?

15:05 Why do you need a Realtor when building a brand new house? When using a Realtor to build a home, how long should the agent be involved?

19:30 When you build a brand new home is it cheaper to get all the base level items from the builder and then have a handyman put in the custom stuff later?

20:38 It’s currently winter but it’s time to start thinking about the spring housing market

22:40 Trends to avoid in 2020

23:06 Are granite countertops a dying trend in homes? Are quartz and wood the new trend in countertops?

26:40 Are traditional wood grain cabinets a dying trend in homes? Are colored cabinets the new trend in homes?

28:43 Is open shelving and cabinetry a drying trend?

31:10 Are closed off kitchens a dying trend in homes?

32:12 What is a dirty kitchen and is it a new trend in homes? Is a dirty kitchen similar to a butler’s pantry where the actual food prep and dirty dishes are kept out of sight while entertaining?

35:16 Are dark paint and wood a dying trend?

37:10 What is the paint color of the year for homes?

40:11 Are do-it-yourself backsplashes and painted cabinets a dying trend? Should you avoid peel and stick backsplashes?

45:25 Why should you avoid the cheap laminated wood cabinets? 

46:34 Is ornately decorated items a dying trend?

47:18 Avoiding mismatched styles in your home

48:55 Property spotlight: Adam has 2 houses in Country Club Hills next to Norwood Country Club for sale for around $44,000. Contact Adam if you are interested.

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Alex Zemianek - https://www.jzpropertiesstl.com/about-jz-alexzemianek

ITUNES-http://goo.gl/rs1q9X

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:40 Adam introduces Realtor Shannon St. Pierre

0:48 Adam introduces Alex Zemianek

2:14 What is a short term vacation rental and what is Air BNB? What is an OTA (online travel agency)?

3:29 What is the homesharing industry?

5:38 How do you get your property on multiple short term vacation rental sites? What is homeaway.com and vrbo.com?

6:50 If your property is listed on multiple short term vacation rental sites how do you manage the calendar for all of them? How do you avoid a double booking on your short term vacation rental?

7:40 How did JZ Vacation Rentals get started?

10:10 Is it twice as much work dealing with the turnover of a short term vacation rental property compared to a long term lease? Who cleans a short term vacation rental property?

13:05 What type of people are attracted to short term vacation rental properties?

13:46 What does JZ Vacation Rentals do?

16:38 What does it mean to co-host a short term vacation rental property? What does it mean to professionally market and manage a short term vacation rental property?

19:57 What cities does JZ Vacation Rentals manage properties?

21:07 What are the benefits of direct booking with JZVacationRentals.com vs using AirBNB.com or Homeaway.com? Why is a direct booking cheaper?

23:50 How does the first phone call with a potential short term vacation rental host go?

27:27 What is Air DNA software and how does it help calculate short term vacation rental prices?

29:00 How does JZ Vacation Rentals make money subleasing someone else's property?

31:30 How does JZ Vacation Rentals handle profit sharing?

32:30 How can JZ Vacation Rentals offer to replace their fee or it’s free?

33:40 What is the triple sheet method and why do hotels use it? Why don’t guests trust big bed comforters?

34:50 What is a standard Air BNB rate?

36:00 What happens to the cleaning fees and taxes that a guest pays on a short term vacation rental?

37:48 How does St. Louis city currently feel about short term vacation rentals and AirBNBs? What is the STL STR (St. Louis Area Short Term Rental Association) https://stlstr.org/?

41:50 What is on the JZ Vacation Rentals YouTube Channel and https://jzgivesback.org/

46:00 Are there hotel lobbyists against short term vacation rentals?

46:53 Do short term vacation rental guests steal stuff? What is a short term vacation rental damage waiver?

53:58 Contact JZ Vacation Rentals by going to https://jzvacationrentals.com/, sending an email to info@JZVacationRentals.com, or by calling 314-449-6565

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:40 Adam introduces Realtor Shannon St. Pierre

1:15 Christmas decorating life hack: Buy color changing lights, put them up in October when the weather is nicer, and set them to Orange until November 1st when you can change them to red and green

2:03 Hermann London update-You missed out on the company picnic!

4:06 The business planning event is in January

4:25 It is party season! One of the mottos of Hermann London is “Go to the party!”.

5:18 It’s time to get an update from Shannon on her shotgun style Tower Grove rehab

6:30 Shannon took over someone else’s project and the framing was not up to code

7:40 Shannon bought the house in September of 2018 and she is now in the home stretch

8:50 Shannon started with the roof including taking down some trees which was a huge hit to the budget

9:50 Shannon was struggling with the layout in such a small space so she hired an architect

11:00 How hard and expensive is it to move the stairs in a home?

11:50 Shannon had a falling out with her contractor 

12:10 Can you pay a contractor less money if they don’t have the project done on time?

14:49 Shannon became her own general contractor

16:40 Is Shannon keeping a diary or notes for next time?

17:28 Shannon had to remove a sunroom that wasn’t up to code but a bunch of bricks came with it so there was a big hole in the house

22:05 Shannon had to finish the basement. Did it have to be dug deeper? 

22:50 Shannon added a bedroom to the basement and had to add an egress window

23:50 Shannon had to dig up some floors to add a bathroom to the basement

24:25 Some leveling was needed to get the basement floor level

25:48 Shannon used Thumbtack to find her carpenter and electrician

26:00 Shannon is still waiting on the front windows to be installed

28:00 Does Shannon think she will end up making money on the rehabbed house when it sells?

29:16 When will Shannon be officially done with the house and when will it be on the market?

29:40 What is the big main thing Shannon learned during her rehab?

30:15 How has Shannon’s husband dealt with all of this rehab stress?

31:28 How did Shannon’s kids like going to the rehab?

32:50 How did the inspections go?

34:15 It’s frustrating to get plans reapproved by the city

35:24 Is Shannon too attached to the home to sell it?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:40 Adam introduces Realtor Shannon St. Pierre

0:52 Does the housing market slow down during the winter?

1:51 Should a homeowner be afraid to sell during the winter? Are there more competitors during the winter?

2:20 What are the winter market home selling and buying myths?

2:40 Are winter homebuyers more motivated to buy a house?

3:46 Do homebuyers get a better deal in the winter?

4:27 Are home prices higher during the spring?

4:45 Adam has been working with some first-time homebuyers in the $150,000 price range and they’ve made 13 offers

5:48 How are buyers offering up cash on their first homes? What is proof of funds?

10:34 Should a real estate investor show the seller their cash-flow numbers in order to get a better deal?

11:55 Are the lenders anticipating that the interest rates will stay low?

12:43 How is  curb appeal different in the winter?

14:15 Adam bought his current house on December 23rd and got a great deal

15:01 Should you still decorate for the holidays when selling your house?

16:20 What should homeowners do to prepare for the winter?

18:14 Do contractors charge less during the winter?

19:44 Contact your realtor and go over what home projects you have planned to figure out which ones will actually aid in a quick sale

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

George DeMare-https://endeavorcapitalmortgage.com/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:46 Adam introduces George DeMare from Endeavor Capital Mortgage

1:10 You can also check out episode 41 about credit repair

1:42 Why does credit matter?

2:00 How does my credit score affect my homeowner’s insurance premium and credit card interest rate?

3:40 Should I check my credit score every year?

4:25 What is AnnualCreditReport.com?

5:00 Do credit reports show my credit score?

5:50 When buying a house how soon should I talk to a lender?

7:38 What factors affect my credit score?

10:20 Why do people use their credit card like it’s not their money?

11:19 35% of your credit score is your payment history

12:54 Will paying an old collection off help or hurt my credit score?

13:50 How long does it take for an old collection fall off of my credit score?

14:48 What is a charge off?

15:28 Does every creditor report to the credit agencies?

17:05 30% of your credit score is amounts owed a.k.a. your credit utilization rate

18:18 What is a rapid rescore?

24:40 Is it a good idea to pay down an auto loan faster?

26:25 15% of your credit score is length of credit history

27:55 What is the difference between a regular credit card and a secured credit card? Should a parent get their teenager a secured credit card?

30:00 10% of your credit score is new credit

30:40 What is a hard pull/ inquiry and does it drop your credit score? What happens if my credit is checked multiple times in a short amount of time?

31:50 What is a soft pull and does it drop your credit score?

34:45 Should I cancel a credit card that I’m not using?

37:25 10% of your credit score is the type of credit used

39:51 What is the highest credit score George DeMare has ever seen in 25 years?

41:16 What is OptOutPreScreen.com and how does it help cut down on the junk mail?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

The Valenza Team - https://hermannlondon.com/realtor/the-valenza-team/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:08 A market update. Why are sellers getting way more than asking price?

4:15 How did the Valenza team get involved in real estate?

5:22 When did the Valenzas open their restaurant Blues City Deli and Mellow’s Pizzeria?

7:20 How do Vinnie and Anne Valenza strategize about their real estate business?

8:28 Are Vinnie and Anne Valenza competitive with each other?

8:52 What are Vinnie and Anne Valenza’s individual strengths and how do they work well together?

11:00 How do Vinnie and Anne Valenza split up the duties of selling a home?

15:22 Telling clients what they need to hear vs. what they want to hear.

16:10 How do Vinnie and Anne Valenza balance work and the kids?

17:00 How did Vinnie and Anne Valenza choose The Hill neighborhood as their niche?

20:00 What’s up with all the new construction in The Hill neighborhood?

26:16 What are the best restaurants on The Hill?

27:44 What keeps Vinnie and Anne Valenza motivated?

29:01 What’s been your favorite deal?

31:20 Who lives under the Valenza roof?

32:15 Where are the Valenzas at their best?

33:00 What are the Valenza’s favorite blogs, books, or podcasts?

33:24 What are the Valenza’s guilty pleasures?

33:43 Who are the Valenza’s mentors and how have they thanked them?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Maureen-314-402-9445, MTMcMillan@ATT.net

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:05 Adam introduces Maureen McMillan

2:16 What is a federal historic tax credit?

2:41 When did Missouri begin giving state historic tax credits?

3:00 How are historic tax credits an economic development tool?

3:31 What are the historic tax credit guidelines?

4:25 What is a QRE (qualified rehabilitation expenditure)?

4:55 How much money is a historic tax credit worth?

5:05 Are state tax credits given in the form of a check? Are tax credits applied to income tax?

5:50 How do you sell state tax credits to a third party?

6:40 Can federal tax credits be sold? How long do you have to apply federal tax credits?

7:40 What is the National Register of Historic Places and what is a Registered Historic District?

8:56 Are historic districts only found in the city of St. Louis?

9:22 Why would people not apply for historic tax credits?

10:00 What does the secretary of the interior standards for rehabilitation do?

12:07 Can federal historic tax credits only be used for income producing properties?

12:35 Can state historic tax credits be used on strictly owner occupied properties?

13:36 How can you find out what historic properties are on the Missouri National Register?

14:14 What is a certified local district?

14:40 Contact Maureen at 314-402-9445, MTMcMillan@ATT.Net

15:25 Is the application process for historic tax credits competitive?

16:00 How is a period of significance established for a certified local district? What is a non-contributing resource?

16:48 To be eligible for state historic tax credits you must spend 50% of what you spent on the building on QREs

17:17 What is the formula to be eligible for federal historic tax credits?

19:30 When must the Department of Economic Development receive your application for historic tax credits? When do your expenses begin to count toward historic tax credits?

20:28 What is the application process for historic tax credits like? What is a warranty deed?

22:26 What is a historic district survey map?

26:50 There is a 2nd application phase for historic tax credits once your project is finished. What is a cost-compilation and a 100% cost-certification?

31:55 Can you have multiple projects at the same property?

44:07 Do you have to keep the floor plan the same?

46:21 Contact Maureen at  314-402-9445, MTMcMillan@ATT.net

47:00 For the Mortgage Minute, George DeMare of Endeavor Capital Mortgage talks about the Fastrack Mortgage Program (314-378-0331)

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:45 Adam introduces Shannon St. Pierre

0:51 Adam introduces Henok Tekle, long time listener of the podcast.

1:45 How to decide to sell a home or rent it. Will it cashflow? Will it at least pay off the mortgage? Will the property appreciate?

6:20 What is the goal when buying investment property? 

7:45 Can buying a building pay for a college education?

9:45 Is it possible to buy another home without selling the current home? Do you have enough down payment to not pay mortgage insurance?

12:08 What are general expenses to consider when buying a home? Mortgage payment, insurance cost, repairs, maintenance taxes, HOA fees, property management fees, vacancies, commission, advertising.

13:44 Should you always keep adding to the emergency maintenance reserve fund for a rental property?

15:44 What is a typical fee for an agent to rent out a property? What if a tenant stops paying before the lease is up? What is a renter guarantee? What is a lease breaking fee?

18:08 Are you okay with being a landlord? Are you emotionally attached to the home you used to live in?

21:20 Will the market go up or down? Should you cash out now?

24:00 Can you keep the current house and take out a HELOC to buy another property?

25:33 What makes a good renter? Credit score, criminal history, work history, employment verification, contact previous landlords, and bankruptcies? What are protected classes?

29:50 How do you deal with bad neighbors when trying to sell a home? 

41:25 How do you deal with all the leads that come with listing a property for rent? How does scheduling an open house save a lot of time when trying to rent out a property? What’s the best way to handle multiple rental applications, especially when it will cost the applicant money to apply?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:11 What does FSBO (for sale by owner) mean?

1:38 Adam worked for a company that targeted FSBO’s to try and get them to list with him

2:23 How do you convert a FSBO to using an agent?

2:52 What are the 4 main reasons people try to sell their homes on their own?

4:21 Selling a home on your own needs to be approached with absolute caution

4:41 How much less do for sale by owner homes sell for compared to using an agent?

5:30 There is a time and a place for selling a home on your own

6:12 Shannon St. Pierre sold her home on her own before becoming an agent and has some regrets about it

7:23 Shannon did a ton of preparation before selling her home on her own which is more than what most people do

8:05 While learning about how to sell her home on her own she could have had the house on the market already if she used a Realtor

8:40 Why are FSBO prices often wrong?

10:05 Why are Zillow Zestimate prices always wrong?

10:54 Why do people sell their houses as-is? How can a Realtor still help out with an as-is sale?

12:04 What simple etiquette do For Sale By Owner sellers constantly forget about?

14:30 Why are seller lead tours a huge turn off for home buyers?

15:46 Why do For Sale By Owner sellers get mad when they don’t understand what contracts mean?

17:08 Why are some buyers agents sometimes scared of For Sale By Owner sellers?

20:03 What is an Authorization to Show form and how does it help clarify who is paying the commission?

24:25 For Sale By Owner sellers are not bound by a code of ethics like Realtors are

26:00 What is a marital waiver when it comes to selling a home and title companies?

27:10 What kind of marketing is a For Sale By Owner seller missing out on?

27:25 When Shannon did her own For Sale By Owner she paid someone to list her home on the MLS and scheduled an agent open house.

31:16 Why do For Sale By Owners panic when they actually receive an offer?

33:00 What does it mean to be a dual agent and what does it mean to take a neutral standpoint when representing both the buyer and the seller?

34:30 Why do For Sale By Owner sellers end up hiring someone in the end anyway?

37:50 How limited is a For Sale By Owner seller when it comes to marketing?

39:00 Why do For Sale By Owner sellers disclose so much information and how does it affect the sales price?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:28 John Charlton from USA Mortgage gives his Mortgage Market Minute update on the 3 P’s of buying a home while still living in your current home. The 3 P’s are plan, plan, and plan. 1.) Financial game plan. 2.) Plan out your move with professionals. 3.) Execute that plan

1:40 Adam introduces his co-host, Shannon St. Pierre

2:25 What are 10 things sellers can do to maximize the sales price of your home?

3:15 Do Realtors do lunch and learn presentations to teach people about buying and selling homes?

3:20 Do companies do continuing education for their employees just as a bonus value add even if it has nothing to do with what the company does?

4:06 Is the weekend after the Super Bowl the big push for people to start buying houses?

5:22 What is a pre-inspection? How does it show a potential buyer that you take care of your house? How does a pre-inspection help a seller appropriately price a house? How does a pre-inspection help set buyer’s expectations?

12:10 Should you have a copy of the pre-inspection sitting out on the counter during showings?

12:30 Should a buyer who gets a pre-inspection expect the seller to not do their own inspection too?

13:10 What inspections should a seller do? Sewer lateral? Main building inspection? Radon?

14:07 What is curb appeal? Should you get your roof washed? 

15:26 How can you download the free Hermann London Home Staging Guide?

16:40 Does a home need to be white-glove clean when selling it?

18:00 Is it okay for a buyer to ask a seller to clean their home if it is already on the market?

20:40 What is the smell test when it comes to selling a home? Should you wash your curtains? Can painting help with how a house smells?

22:25 What is an ionizer and how does it help with smells?

23:52 Do Glade Plug-Ins make the smell of a house worse?

24:10 What does it mean to declutter a home when you are selling it? Should you rent a storage unit while trying to sell your house?

26:00 How does depersonalizing a home help sell it?

27:59 What repairs and updates are needed to sell a home?

30:19 Should a seller do updates if they don’t know what the buyer wants?

32:00 Is it okay to simply ask the paint store and carpet store what their most popular color is and buy that?

35:00 Why would you replace a perfectly good brass door knob with a brushed nickel one?

36:30 How can updates be considered subjective when it comes to selling your house?

37:15 Why should you talk to a Realtor before doing those subjective updates to your home?

39:03 How does staging and photos help sell a home?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:30 Mortgage Broker John Charlton of USA Mortgage gives his Mortgage Market Minute update on the rates and predictions for home prices for 2019. Contact John by calling 314-517-0262

1:49 Adam Kruse and Shannon St. Pierre introduce themselves.

2:35 Will interest rates and home prices go up in 2019?

2:45 There were 4 interest rate increases in 2018

3:18 Interest rates were 18% in 1980

4:05 Will there be less buyer competition if home prices rise?

4:15 Is it a buyer’s market or a seller’s market in early 2019? What is housing inventory in early 2019?

5:30 Did only turn-key houses sell fast in 2018? How well did outdated houses sell in 2018?

7:10 How does Adam use the words “pretty” and “updated” when describing homes?

8:10 Are there more savvy buyers who are willing to wait for a good deal?

8:45 Are wholesalers charging too much  for homes lately?

9:28 Is rehabbing homes starting to become riskier?

10:30 Does giving a credit instead of replacing and updating things like carpet and paint work when selling a home?

12:00 Can you go into the carpet and paint store and just ask for the most popular color?

13:09 Has the strong economy translated to real estate?

14:30 Why haven’t Adam and Shannon sold their latest investment houses yet?

16:00 Should Adam wait for the market to crash before buying more investment properties?

16:30 What are Freddie Mac and the Realtor Association’s predictions for 2019 and 2020?

17:10 How much have home values appreciated in 2018 and how much will it increase in 2019?

18:05 Will builders build more higher end new homes in 2019 or will they need to be more moderate?

19:49 What countertop is in the highest demand as of 2019?

21:00 What part of St. Louis will there be the most new homes built in 2019?

21:28 What is in-fill when it comes to real estate?

22:00 What is a spec as it refers to real estate?

23:30 If you are looking to buy in 2019 should you get your rate locked in now?

23:59 Contact Shannon at 314-583-0070 or Shannon@LivingTowerGrove.com

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Scott Ogilvie-http://ward24stl.org/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:44 Adam introduces Alderman Scott Ogilvie from Ward 24. They will be discussing 2 articles Scott wrote entitled A New Direction In 2019 from Ward24StL.org and The Non-Profit Paradox. 40% of Real Estate in St. Louis is Government Owned or Tax Exempt from NextStL.com

1:31 Scott Ogilvie introduces himself and gives his bio

1:38 Ward 24 includes Dogtown, Clifton Heights, Cheltenham, and Ellendale

2:20 What are some of the highlights from the past 8 years Scott Ogilvie has been in office

3:20 What is an alderman and what is process of becoming one? Why did Scott Ogilvie want to become an alderman?

4:20 What is constituent services? What are zoning variances?

5:04 What is the criteria to become an alderman?

5:30 What is Prop R and is it coming back up for a vote?

6:43 What do the other alderman think about Prop R potentially eliminating their jobs?

8:40 Why is Scott Ogilvie not running for re-election and why did he write a letter about it? 

9:26 Why are there a lot of problems in St. Louis city that can’t be fixed?

9:55 What was the reaction from the letter?

11:00 Why are more people interested in merging the St. Louis City and county?

13:10 How has the population changed in St. Louis city, county, and St. Charles in the past 40 years?

14:25 What are the cons to merging the city and the county?

16:10 What are the acute problems in the St. Louis areas?

16:36 Has anyone stepped up since Scott Ogilvie has announced he is leaving?

17:17 What is the learning curve like for a new alderman?

18:40 Were any things harder to accomplish than Scott Ogilvie thought they would be?

20:00 Why is real estate so hot in Ward 24 and Dogtown?

22:10 Do alderman know much about the real estate in their area?

23:42 What are the pros about becoming alderman of ward 24?

24:40 What does Scott Ogilvie think about LRA (Land Reutilization Authority) properties?

26:41 What makes the city want to have more people? The problems of growth are easier to deal with than the problems of abandonment

28:15 How much property in St. Louis is not contributing to the tax rolls? What types of properties don’t have to contribute?

34:14 What happened when Boston assessed all of their property in the non-profit zone?

47:06 What makes Scott Ogilvie smile about St. Louis?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:30 Adam and Shannon are live from La Mancha Coffeehouse across from Crown Candy talking to Zack Smithe and Joseph Bandelos

1:00 Zack and Joseph are building a shipping container home in Old North St. Louis

1:14 Joseph Bandelos caused some controversy when he built a shipping container home in St. Charles

1:28 Why build shipping container homes?

1:46 Is it cheaper to buy shipping containers?

2:20 Are there a ton of shipping containers available to buy?

2:41 When is a shipping container taken out of circulation?

3:26 Is it hard to turn a shipping container into scrap metal?

4:30 What was the approval process like?

6:06 What is involved with maintaining the structural integrity?

6:51 How many square feet is one container?

7:18 Is a foundation required even for a tiny home shipping container? Does it have to be on wheels?

7:52 How do you make a shipping container permanent?

8:15 How can stacking shipping containers make natural decks and carports? How high can you stack shipping containers?

9:27 Contact information Zachary.smithey@gmail.com, jbandalos@hotmail.com

10:21 Zach is working on efficient designs for affordable housing

10:31 The owner of the property who is having the shipping container built in Old North bought the land from the LRA

11:29 What kind of foundation was poured for the Old North shipping container home?

13:28 Can a shipping container house be blown away?

13:55 Adam wants a shipping container home on his property in Steelville. How hard is it to cut holes in the walls of a shipping container?

15:30 How do the overhanging parts of the shipping container home work?

16:20 How much welding is needed on a shipping container house?

18:20 The Old North shipping container home will be made up of 9 containers and be 2,800 square feet with 3 bed and 2.5 baths.

18:50 How hard was it to get a shipping container home financed by a bank? Why did the banks not want the home build in Old North?

20:15 Getting comps after more shipping container homes are built

20:30 A shipping container home often becomes a destination after it is built. Strangers take pictures and knock on the doors.

21:45 What is the general cost for an empty container? How much does it cost to prepare a container for a home?

23:10 What is the average worth per square foot of a finished shipping container home?

23:30 Did any other shipping container homes inspire the design of Zach’s house? What is the most challenging part of building a shipping container home?

25:15 What kind of floor does the shipping container come with? Why are pesticides used on the floors of a shipping container?

26:45 What are the different levels of conditions of shipping containers?

27:48 How do you make a shipping container rust proof and how do you paint it?

36:40 How will the next shipping container home be different?

39:10 The Old North house should be done in January/February

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Attorney Julie Ostrom-http://bos.law/attorneys/julie-k-ostrom

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:30 Adam and Shannon give a disclaimer explaining that this was an educational presentation held in the Hermann London conference room that they decided to record for the podcast.

3:41 Adam thanks Julie Ostrom of Beck Ostram Sweet for coming to Hermann London to share her knowledge

3:58 Julie introduces herself. She has been licensed to practice law since 2009 and her speciality is investment properties.

4:20 Why is it important to have a lease agreement?

4:30 Can you collect late fees without a written lease agreement?

4:40 Can you be reimbursed for attorney and court fees with a lease agreement?

4:56 Can you waive the right to a jury trial with a lease agreement?

5:19 How long should a lease be for?

6:03 What is a month to month tenancy?

6:40 What is a good termination clause?

7:23 Identify the monthly rent, the day that it is due, and the grace period in your lease agreement

8:10 What is rent abatement?

8:50 Use a lease agreement to identify who pays the utilities

10:14 There is a new rule as of August 28th, 2018 that says security deposits have to be kept in a seperate account that is FDIC insured 

14:24 Can you collect more than 3 months rent for a security deposit?

16:01 How soon must a security deposit be returned to the tenant?

17:14 Evictions

17:53 What are the two types of evictions in Missouri?

17:56 What is rent and possession?

18:03 What is an unlawful detainer?

19:40 How much does it cost to file for a rent and possession eviction?

20:15 What are the two types of servers in an eviction? What is posting service? What is in REM?

26:18 All landlords have an obligation to mitigate damages. A landlord is not allowed to double collect.

27:00 What can a court order tenants pay to a landlord

50:08 Encroachments

51:17 Do you have the right to trim anything that is encroaching on your property? What if you kill your neighbor’s tree?

52:08 Can you file a lawsuit to enter your neighbor’s property to fix your property? What is easement by necessity?

54:17  Do you have to take someone to court if they claim a survey is wrong?

55:20 How often are the surveys wrong

56:29 Call the law firm at 314-772-2889 jostrom@bos.law www.bos.law

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:29 Adam and Shannon are recording live from Shannon’s rehab/investment property in Tower Grove

0:54 How did Shannon find her investment property?

0:59 What was the buying process like for Shannon’s investment property?

1:35 How much did Shannon pay for her investment property in Tower Grove?

2:04 What work has Shannon done on her investment property so far? How much yard work did Shannon have to do on her investment property?

3:00 Is this Shannon’s first rehab?

3:40 Is it easier to buy a shell of a house or knock down a bunch of walls?

4:06 Will Shannon be selling her rehab property?

5:00 Talking about specific numbers and costs of a rehab will help others learn how to rehab

5:23 What is a HELOC (home equity line of credit)? What can you do with $100,000?

8:22 How did Shannon find out how much her rehab was going to cost?

8:44 Is plumbing the most expensive part of a rehab? Is it possible to get 2 HELOCs on the same house?

10:30 How far off can an appraisal be?

11:45 Is insurance expensive for a rehab?

12:20 How expensive is it to have a tree service take down a tree?

14:02 What are the holding costs each month?

14:41 What is Shannon’s timeline to have the rehab finished?

15:08 How often will Shannon be at the rehab property during construction?

16:55 How big is a shotgun house normally?

17:18 How much is Shannon is hoping to sell the rehab for? What is required to call a room a bedroom?

18:55 How much are the electrical bids that Shannon is getting?

20:14 Can contractors be paid less if they are not done by the agreed upon date?

21:40 Hiring a mix of super qualified contractors and regular handymen

22:30 What is a hold harmless agreement?

23:45 What problems has Shannon already had?

26:04 What does Shannon expect to be done in a month?

27:00 Does Ikea offer design services to help plan out a kitchen?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Doug Munsch and Emma Gilmore-https://straightupsolar.com/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:00 Adam introduces Doug Munsch and Emma Gilmore

1:41 How did Doug Munsch go from being a yoga instructor to working with Straight Up Solar?

2:45 How has Straight Up Solar grown since its founding in 2006?

3:25 How did Emma Gilmore get involved in the solar industry?

5:55 Why should someone get solar?

6:45 Is solar always installed on roofs? What are solar ground mounts?

7:30 Are there financial benefits to going solar? Is solar just about protecting the environment?

8:20 How is solar different in Missouri compared to other parts of the world?

9:45 Buying solar is comparable to buying a car

10:00 Is the price of solar constantly going down? 

11:50 What solar tax credits are available? What was proposition C?

15:50 How much money does solar save?

17:10 How long does it take to get your money back from installing solar?

18:40 Will a current piece of solar technology become outdated?

21:22 Where do most homes get their energy from? 

23:32 What are photovoltaic panels? What are agrarian systems? What are utility scale systems?

24:25 What are the environmental benefits of solar? 

27:14 How can people be more efficient with their energy usage?

28:15 What is the impact of solar panels on the life of the roof?

29:40 How are solar panels uninstalled and reinstalled?

30:30 How does solar basically work?

35:00 What is net metering when it comes to solar?

37:40 A Glendale homeowner had solar panels and an electric car charging station

38:50 How do real estate agents think about solar?

40:50 Contact Straight Up Solar at 314-218-2663 or 844-97-Solar

42:15 How does Straight Up Solar use Google Maps for the first solar consultation?

43:15 What does the solar calculator on Straight Up Solar’s website tell you?

44:07 What is energy independence? What is living off the grid?

43:25 Are there HOA rules regarding solar? How can you prepare your neighbors for your solar panels?

55:50 Do solar modules still produce energy when covered by snow?

57:35 What is group-buy, co-op, and community solar? What is a solar bulk buy?

1:00:00 What is a NABCEP certification?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Ted Wight-https://www.stlouis.style/

ITUNES-http://goo.gl/rs1q9X

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:45 Hermann London just had their mid-year business planning event. An agent won an award at a golf tournament. The property managers are incredibly busy. A couple new agents have joined the team. Call Hermann London if you are interested in joining the team (314) 802-0797

1:35 Adam introduces Ted Wight from Dielmann Sotheby’s.

2:50 How long has Ted Wight been a real estate agent?

3:25 How did Ted Wight get the reputation as someone who sells unique properties? How did starting the St. Louis Style Blog help Ted Wight become a successful realtor?

4:34 How did Ted Wight become interested in mid-century and contemporary homes?

5:06 How does having a niche help realtors become successful? 

6:08 Who are William Bernoudy, Harris Armstrong, Ralph Fournier, and Isadore Shank?

6:55 Why is it so hard to find mid-century/modern homes on the MLS

7:15 What is ModernSTL? 

8:45 What is so unique about Ted Wight’s marketing remarks/descriptions for his listings?

9:50 Moynihan & Associates may be St. Louis’ best landscape architect

10:30 How does Ted Wight research his properties? Who is Frederick Dunn?

12:20 How does the MLS’ character limit inspire creativity with marketing remarks?

16:40 Is there an age limit to being a real estate agent? When should a real estate agent retire?

18:10 How do helicopter rides help buyers get a feel for the area?

18:40 What real estate shows does Ted Wight watch?

19:45 What kind of a team does Ted Wight have? Does Ted use assistants and marketers?

20:25 Why does Ted Wight have 5 Instagram accounts and how does he manage them?

21:10 Ted manages Ladue Style, Clayton Style, CWE Style, and his personal Ted Wight Instagram

22:30 How often does Ted Wight post on his blogs?

22:38 Does Ted Wight outsource his marketing or does he have full time employees?

25:00 How many hours a week does Ted Wight work?

26:30 What happened when Ted Wight found a maggot covered bag of meat on the hardwood floors of a CWE condo that’s supposed to close soon?

28:38 What kind of advertising does Ted Wight do? Print advertising? Postcards? Video?

29:30 When does Ted Wight create a video for his listings?

31:15 Why are wealthy people a little quieter with their money in St. Louis compared to other cities?

32:56 Ted Wight lives in a William Bernoudy designed house that Bernoudy lived in

34:29 Contact Ted Wight at TedWightRealEstate.com, StLouis.Style

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:47 Adam introduces Caleb Lewis, a young apprentice investor that attended the 30 Under 30 panel hosted by the Young Professionals Network and the St. Louis Association of Realtors

1:00 The Hermann London Real Estate Group has been getting a lot of great feedback about the St. Louis Realtor Podcast

2:16 What is the St. Louis Association of Realtors now called St. Louis Realtors (SLAR)? What is the Young Professionals Network (YPN)?

2:30 Adam Kruse of Hermann London was the emcee/moderator for the 30 Under 30 event on June 14th, 2018 at the St. Louis Realtors building at 12777 Olive Blvd, St. Louis 63141.

2:36 YPN flew in 4 people that have won Realtor Magazine’s 30 Under 30 award

3:00 Why would a successful Realtor from another city share all their secrets to a group of St. Louis Realtors?

3:18 - The panel featured Jordan Salisbury, Isabel Affinito, Jennica Holmquist, and Michael Pennisi

4:54 What motivated Caleb Lewis to go to the YPN event and what is he doing in Real Estate?

5:46 Adam started the YPN event by asking rapid-fire yes/no questions to the panel

6:02 Do Realtors advertise on Zillow.com, Realtor.com, or Facebook.com?

6:10 Do Realtors do open houses, door knocking, or geographic farming?

6:32 What is a sphere of influence and how important is networking to a Realtor?

6:40 How many hours a week do Realtors work?

6:54 All of the Realtors at the YPN 30 Under 30 event were residential but there have been commercial Realtors there in previous years

7:00 How active does a Realtor have to be on social media?

7:40 Should a Realtor hire someone to help them out with social media?

8:02 Can a Realtor’s social media also show interesting aspects of their own life? Should a Realtor blog and vlog?

8:27 Should a Realtor hire an assistant and/or a transaction coordinator?

8:40 How should a Realtor pay their assistants and transaction coordinators?

9:55 What is the best use of a Realtor’s time?

10:30 What is a showing assistant and should a Realtor hire one?

22:24 What are Realtors going to do in the next year to change things?

23:00 How can a Realtor automate more of their tasks?

23:30 What things are changing in the real estate industry?

23:48 What are the details of the Zillow.com make me an offer feature?

25:46 How can Realtors prepare for another drop or downturn in the market?

27:16 What advice do successful Realtors have for someone who just got their license?

52:43 ‘4-Hour Work Week’ by Tim Ferris

52:56  ‘You Are a Badass’ by Jen Sincero

53:14 ‘How to Be a Bawse' by Lilly Singh/IISuperwomanII

53:24 ‘The 5 Second Rule’ by Mel Robbins

54:14 ‘Never Split the Difference' by Chris Voss

54:22 'Ninja Selling'by Larry Kendall and ‘Fanatical Prospecting’ by Jeb Blount

54:50 Podcasts Realtors should listen to are Impact Theory, Bigger Pockets, and The St. Louis Realtor Podcast

55:46 What is whole-tailing?

56:03 What is pre-habbing?

56:26 What kind of accreditations should Realtors get?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/  

Ben Nichols-http://www.nicholsrealtystl.com

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:44 Adam introduces Ben Nichols of Nichols and Associates Real Estate

1:55 What is Ben’s history in real estate? 

4:09 When did Ben decide to start focusing on foreclosures?

5:21 What is an asset management company and an asset manager?

8:14 Adam remembers when it was really hard to get retail listings

9:03 What is the procedure when obtaining a foreclosed property?

11:00 Is it interesting to go through the properties even before the property preservation company does?

12:16 What is relocation assistance and cash for keys? How does cash for keys help avoid paying homeowners associations, Missouri Sewer District, attorneys, court costs

13:16 What is broom swept condition?

14:00 How does a homeowner get foreclosed on after living in a home for 30 years?

14:10 What is a reverse mortgage? Why is appraising a reverse mortgage foreclosure so important?

16:05 Why do banks have a seperate account to pay for things that are not covered by the HUD and why do the listing agents have to float those fees?

18:00 What happens when a property is found vacant?

18:15 Is an asset manager allowed to immediately take any of the stuff he finds in vacant properties?

19:35 What kind of stuff does Ben find to be valuable when looking through a vacant property?

21:00 What kind of first time home buyer gifts does Ben give out from his collection of found stuff?

21:44 What is a personal property eviction?

22:10 When evicting, should all the property be thrown away?

24:20 Are personal items from a foreclosure still put out on the lawn?

26:10 What happens when there is a squatter in a property that’s been foreclosed?

28:10 Does Ben wear a bulletproof vest and carry a weapon?

28:40 What is a foreclosure?

29:18 What does it mean that Missouri is a 3 party ownership state? 

29:40 What does a foreclosing attorney do?

30:45 What is a sheriff sale when it comes to foreclosed properties?

31:55 Where do sheriff sales take place? Do sheriff sales take place on the actual courthouse steps?

32:30 How does a bank buy a property back from itself?

34:35 How do buyers get updated on notices of default?

35:30 How long with an REO (real estate owned) property sit on a bank’s balance sheet?

37:00 How can a lawyer delay an eviction even after the bank owns the property?

38:10 Why are people always mad at the bank when they get foreclosed on?

39:10 Is it true that property owners will retaliate against a foreclosure by pouring concrete down the drains?

41:00 Are there rules against stripping the house of everything before getting evicted?

41:30 What is a deficiency judgement?

1:00:28 You can reach Ben at NicholsRealtySTL.com

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Ben Dodd-https://www.freedomcreditsolutions.us/

ITUNES-http://goo.gl/rs1q9X

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:49 Adam introduces Ben Dodd, president of Freedom Credit Solutions, a credit remediation company

1:21 What does a credit remediation company do? What are trade lines

1:53 What does it mean to be an attorney backed firm?

2:38 What is credit and where did it begin?

3:20 What are the big 3 credit agencies? What do TransUnion, Experian, and Equifax do?

3:35 What is Fair Isaac and Company/FICO?

3:58 What does it mean to be a FICO certified professional?

4:25 Does credit now indicate positive and negative things about your finances?

5:00 How far can your credit drop if you have just one 30 day late payment on your credit card?

5:16 Are people born with zero credit or perfect credit?

5:46 How is a credit score established and how long does it take to establish credit?

6:30 Can you lose a credit score if you don’t use it?

6:50 Is it a good idea to open a credit card for your child?

7:20 Is it a good idea to close a credit card you are not using? What is debt to income ratio?

8:50 Is all credit different? 

9:48 Are Old Navy and other retail store cards considered to be credit cards? What is poor utilization of credit?

10:30 What is a bank backed revolving card?

11:02 A credit card can also be considered a cash-management card

12:28 How you pay and when you pay is a factor

12:40 What is trended data? Is it better to pay your credit card before the due date?

14:00 Does seasonal spending affect your credit?

14:25 People who pay their credit card on or after their due date is called a revolver

15:25 Paying online doesn’t mean the money is immediately transferred to the credit card company. It can take 7-10 days for money to transfer to the credit card company.

30:35 Ben filed suit against a collector

31:00 What is the difference between a medical invoice and a collections statement?

33:00 By the time you get a collections notice it is already on your credit score

34:25 How far can a credit score drop because of medical payments?

35:05 What is the credit score range?

35:40 Why don’t the three big credit scores match up?

37:40 What is a credit repair plan of action?

38:46 What is a great credit score? Why is it so hard to get a score in the 800s?

50:23 Should a landlord be reporting when a tenant is late on their rent?

52:05 What is the maximum late rent fee allowable by law in Missouri?

53:10 What is piggybacking and how did people used to pay to get good credit?

53:48 Is a divorce bad for credit? How do divorce attorneys accidentally ruin their client’s credit score?

57:30 314-606-8221 Ben@FreedomCreditSolutions.US

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:46 This week in real estate

1:03 Shannon is trying to find new investors outside of the St. Louis area. Shannon showed a California couple properties all weekend long

1:56 Did Shannon have a way for the California couple to keep track of the St. Louis properties they liked?

2:35 Why is the California couple using the buy-and-hold strategy to property ownership? What are the challenges to a buy-and-hold strategy?

4:00 What are the challenges of buying $5,000 homes?

5:25 How do Realtors cut through the monotony of looking at houses all day long so that buyers don’t get bored? Should a Realtor take breaks between houses? Should the buyer rate properties as they look at each house?

7:50 What kind of criteria do investors look for in a property?

8:30 Now that the California investors have met Shannon and gone on a tour of St. Louis, Shannon can now just send the numbers

9:27 Do sellers have to disclose a suicide? Do seller’s have to disclose a suicide if there was an insurance claim afterwards?

10:44 Does the history of a death travel with the property and does it have to be disclosed?

13:14 An agent got a lead that a seller only wanted what they owed on their house but it ended up being too good to be true.

14:23 What would cause a house to need $60,000 worth of foundation repairs?

14:49 After the inspections, a listing agent accidentally mentioned that a tree had fallen on the house but didn’t put it on the seller’s disclosure. The buyer wanted to back out and get a refund on the inspection.

16:59 What is a mutual release?

17:38 The gas company in St. Louis has been bad at finding all the problems during their first inspections.

18:58 What is a flame disturbance? 

19:21 What are those stars that are found on the sides of brick houses that are all over the city? What does it mean if the stars on the sides of the house are missing?

21:00 What is an abandoned conduit line?

25:40 Adam has a listing on a home and part of the agreement is that the seller will finish the basement. The buyer’s agent has not been very good at setting expectations.

29:30 How can a buyer’s personal life affect a sale?

33:12 Adam had a 1 week window between tenants and had a surprise during the final walk through.

36:44 Adam has a seller that wants a bodyguard at every showing to protecthis stuff. If there is anything of value, should it be moved out? Should an agent be at every showing to protect the seller’s stuff?

42:20 How are smart lockboxes and cameras helpful during showings if you are worried about security?

47:20 How does the Golden Spreadsheet for property investing Adam made work? What is roi, months to get down payment back, gross rent multiplier, cap rate, market appreciation, cash flow, equity, comps, and a diverse portfolio

49:58 Hermann London had a new agent meeting to help the newest agents get comfortable asking for help and training and so they will hold each other accountable.

53:42 Contact Shannon St. Pierre at 314-583-0070 Shannon@LivingTowerGrove.com

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Guest-Attorney Lisa D. Brown-https://www.facebook.com/lisalawonline/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:40 Adam bought a house in Jennings for $5,000, put $12,000 into it, and it will rent for $650 a month

2:00 It’s fun to buy a house low and completely fix it up because you know everything is up to grade

3:03 Shannon St. Pierre is looking for a seller in the Hill neighborhood

3:44 Adam has been having some sewer lateral issues lately and fixing them can be different between each municipality

4:44 Does Hermann London share buyer needs on the Hermann London Facebook page?

6:52 Adam has hired Lisa to create a will for him previously

7:54 What is the legal definition of probate?

9:07 What is intestate?

9:25 What is testate?

9:33 Who is your heir after you die?

10:08 What is a legatee, devisee, and beneficiary?

10:29 What is the legal definition of a will?

11:05 Does a will avoid probate?

12:05 Why does a will have to go to probate if assets have already been assigned?

12:45 What is a pod (payable on death) and tod (transferable on death) designation?

13:15 What is the definition of a trust and what is the main reason for a trust?

14:15 What is a grantor and what do they do?

16:20 Why didn’t Prince have a will and what is happening to his estate?

15:55 Why didn’t Prince have a will?

18:30 Adam had a friend who had 4 sisters and it took 11 years for probate to settle her dad’s estate

20:18 What’s the easiest way to put  a loved one’s name on a home without doing a refinance? Cohabitation agreement? Quick claim deed?

21:15 What is the purpose of adding someone’s name to a title?

21:37 What is a beneficiary deed?

22:25 Will adding a name to a title trigger an acceleration clause to the mortgage?

23:50 Young couples will often buy a house together but only one name will be on the mortgage

26:28 Should a married couple have their house in a trust?

30:44 How can someone gift money to their kids and not have it be a taxable event?

30:50 What is a gift tax?

59:35 How hard is it for a trustee to divide an estate up?

1:00:00 What is a personal property distribution list?

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Guest Laura Costello-https://www.stlouis-mo.gov/government/departments/sldc/profiles/Laura-Costello.cfm

ITUNES-http://goo.gl/rs1q9X

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:51-Adam Kruse and Shannon St. Pierre welcome Laura Costello from the L.R.A. (land reutilizationn authority)

1:04-What is the L.R.A. and how does it help with vacancy and abandonment in St. Louis

2:05 Were people just abandoning their houses in St. Louis

2:21 Did these people not have mortgages on these houses

2:28 What does Laura Costello do as director of real estate for the St. Louis Development Corporation which includes the LRA, LCRA (land clearance for redevelopment authority), port authority, and the planned industrial expansion authority

2:55 How do all those authorities fit into the St. Louis Development Corporation

3:25 Is the St. Louis Development Corporation an actual city department

3:45 Does all the revenue come from selling these properties

4:03 How does a property get to the LRA

4:20 How long does it take for a home to go to a tax sale

5:10 Dale Sweet is an expert in tax sales and you should go back and listen to that episode if you missed it

5:23 If a home doesn’t sell at tax sale it goes to the LRA

5:34 Getting the house confirmed by a judge that it was a good sale

5:44 There is a maintenance crew working all day long taking photos, boarding up, and winterizing properties

6:10 what is the time frame between the tax sale and becoming part of the inventory

6:30 Are some of the properties at a point where they need to be demolished

7:00 Tax sales have become so popular that it can be standing room only

7:26 What’s the difference between a land bank and land banking

8:30 St. Louis is the oldest land bank in the country

10:06 How many properties does the LRA own

10:20 Is Detroit a larger land bank

10:58 What’s the average price of a property that has a structure on it

11:45 If there are houses available for $1,000 why isn’t everyone buying them immediately

11:53 Can the bricks be worth more than the sale price of the home

11:59 Would you sell a property to someone who just wants to take the bricks

12:46 How do thieves get away with stealing bricks from houses right out in the open

13:12 What is the LRA’s goals with the properties and who do they like to sell to

13:37 Is it okay to buy and LRA property and turn it into a rental

33:26 What is the mow to own program

34:32 What is the garden lease program

36:10 What are the biggest challenges that the LRA faces

37:30 Why are there so many weird little slivers of irregular lots listed by the LRA and why don’t they just give them to the neighboring property owner

40:50 What is the process of recreating parcels of land

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Co-Host - Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:51 Self proclaimed real estate nerds, Adam Kruse and Shannon St. Pierre, give a market update

1:45 Agent Anne Valenza won the Hermann London marketing contest and won $1,000

2:53 Hermann London just got a billboard at Kingshighway and 44

4:16 The Association of Realtors trivia night

4:39 Cooking dinner for The Ronald McDonald House

5:02 There are a lot of people getting their real estate licenses because the market is so hot

5:32 Adam likes his agents to take a personality assessment to help them figure out the best way to market themselves

7:41 Shannon’s husband is using his DiSC personality assessment to update his LinkedIn account

8:19 Adam recommends Tony Robbins’ DiSC assessment https://www.tonyrobbins.com/disc/

9:22 Is it a frustratingly hot market? It is a seller’s market but is terrible for buyers

10:25 Is it crazy to buy investment properties right now?

10:45 It’s not a  crazy deal if the numbers work

11:15 If the numbers don’t work, make an offer that does make the numbers work

11:30 Even if the offer seems lowball, it works 1 out of 15 times for Adam

12:15 Investors should not be afraid to make offers on more than one property

14:00 Shannon gives market statistics. Sales are up 5% but listings are down 11% from January last year.

16:51 The average days on market is 36 days

18:00 Adam remembers years ago that the average days on market was 90 days

18:45 Months of inventory is at 2.9 but what exactly is months of inventory

19:00 Months of inventory is found by taking the total number of active listings on the market and dividing it buy the total number of sales in that same time period

23:00 Buying a house at the end of a lease can be very frustrating. Contact your Realtor 6 months out

25:25 Median home sales are up 4% from the previous year 

26:00 Shannon shares her experience with losing out on a listing with multiple offers. There were 17

28:00 What can buyers do to make their offer win? Adam does not recommend removing the inspection contingency

45:30 How do you know that the listing agent actually had a higher offer and didn’t write a fake offer

49:54 How can the buyer’s agent do a good job presenting the offer and influence the deal

52:00 Buyers and sellers don’t know the reputation of the agents. Does the reputation of the agent matter

54:21 Email Shannon at  Shannon@LivingTowerGrove.com

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Lender John Charlton https://www.facebook.com/TheMortgageGuySTL/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

3:00 Agent tips and tricks from a recent deal

4:00 Shannon is working on a lease/purchase deal

8:30 What’s the first thing to do when deciding to buy a house

9:00 How are the rates

13:30 The markets were already prepared for the tax reform bill

11:40 6.5 used to be considered a good rate

14:25 What is a 1031 like kind exchange

17:00 Closing costs credits and changes to the Realtor contract

18:00 John Charlton almost never sees a contract without concessions from the seller

19:00 Denver is a seller’s market and John almost never sees concessions

20:25 Special wording on the VA Rider

21:25 Banks don’t charge bank fees on VA Loans. It’s meant to be 100% free financing

22:33 A VA Loan is a sweet deal and all military personnel need to be looking into it

23:00 3% closing cost is a good benchmark unless the home is over $250,000

26:21 What are the credit thresholds

30:00 People with damaged credit need to know they can fix it. It’s an algorithm, not voodoo

30:30 Can you get a loan with no credit

31:15 The ideal buyer has a credit score higher than 750

31:50 What is the minimum credit score

32:03 Buyers want to know what they can afford

32:42 Don’t avoid talking to a lender if you have bad credit. They could be helping you fix it

33:13 A lender wants to know what the buyer is paying now and if current home fulfills needs

35:26 A Realtor doesn’t want or need to know how much the client makes

37:07 A safe harbor in U.S is 43% of income can go to a mortgage

39:49 What is a bridge loan

43:38 When is a reverse mortgage a good idea

45:20 Is it still a good time to refinance

46:32 How to get rid of PMI (private mortgage insurance)

47:00 Recasting a loan on a shorter mortgage

48:38 What is the rate difference between a jumbo loan and a 30 year fixed

50:57 Why do refinancing terms vary by lender

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Insurance Agent Tony Berra - https://www.libertymutual.com/anthonyberra

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:20 What are agents doing wrong

7:10 Some Realtors will avoid showing a property if they have to call and schedule it 2 hours in advance

8:36 Treat every listing the same no matter how much it costs

10:30 Put down the toilet seat when taking photos of the bathroom

12:00 Bad photos cost seller thousands

13:00 Theories on how many photos to post

15:15 Some agents share too much information about their sellers

18:09 Some agents refuse to show homes if the commission is below their normal percentage

22:24 Don't improperly set expectations

25:30 Don't promise things you can't deliver

26:43 No showings until open house

30:33 How to handle a buyer with a deadline

32:15 Respond to offers no matter how low

35:00 Educate the agent who is holding the open house

37:00 Why don't agents call back when a buyer is interested

41:12 How are sellers killing the deal

41:28 DIY fixtures that are outdated

42:45 Oiled bronze vs. brushed nickle fixtures

43:28 Peel and stick backsplashes

44:10 A bad looking outlet gives buyers a bad feeling

44:35 Smells

46:16 The seller is there during the showing

48:19 Pinterest DIY projects are not for everyone

51:16 Carpet in bathrooms

52:00 For sale by owner sellers do not know what is normal

54:51 Original windows

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Insurance Agent Tony Berra https://www.libertymutual.com/anthonyberra

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

3:40 What is personal property

4:04 Can you customize your coverage and is there a range

5:19 Insuring for the cost of rebuilding

5:30 Can the city make you rebuild

6:30 Rebuilding up to code on a house that was grandfathered in

7:20 Who takes over a property if the owners take the money and run

8:40 How much homeowners insurance do you need

9:50 Flood and earthquake insurance

11:57 Not all insurance companies offer earthquake

12:50 What homes are the most expensive to get earthquake insurance on

15:30 Not getting dinged on a zero dollar payout

17:00 After 11-12 years the roof's value starts depreciating

18:00 There is no penalty if the inspectors don't find anything wrong

19:27 What really effects premiums

21:50 What can lower your premiums

22:40 Liberty Mutual has an agreement with the National Association of Realtors

23:30 What's the discount on having a security system

23:40 How does a pool effect premiums

24:55 Criminals have sued because they were injured

25:21 Get an umbrella policy if you have a pool

25:29 Replacing knob and tube wiring

28:00 Lying about insurance is stupid

29:25 Bars on windows

31:13 Everything is pointed on an insurance score

32:33 Trampolines

33:13 Financial hardship discounts in Missouri

34:30 Recalculating the quote for a better rate

37:10 A neighbor's tree fell on my property

38:10 A neighbor's house catches on fire

39:00 Who gets the money first in a lawsuit

40:00 A sewer backup is in your control and you may need water backup coverage

41:30 Insuring vacant houses

43:00 Covering and inventorying jewelry, furs, and electronics

44:00 Home Gallery smartphone app

46:30 Is there a simple formula to estimate insurance

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Attorney Dale Sweet http://bos.law/attorneys/dale-sweet

Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/

Realtor Holly Laws https://hermannlondon.com/realtor/holly-laws/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:50 Adam introduces Shannon St. Pierre, Holly Laws, and Dale Sweet.

1:40 Dale’s office puts on free seminars about tax sales

2:25 Why would Realtors need to know about tax sales if they don’t get commissions

3:20 How do tax sales help to improve neighborhoods

4:34 What is a tax sale and how does a property end up on the list

8:52 Do tax sale properties have a mortgage

10:52 What are the 2 biggest tax sale myths

13:00 What is a quiet title

15:33 How expensive is a quiet title search

18:00 How can someone get on Dale’s free email list

18:55 How many tax sales are there every year

19:50 Is it possible to buy tax sales outside of the scheduled auction dates

21:20 Are the properties always empty

22:00 How do these properties get inspected and who handles evictions

25:00 What happens if a property is occupied by a renter already

27:55 At what point in the process does an attorney get involved

29:30 When is payment do at auction and what forms of payment are accepted

31:00 How to find these tax sale properties besides getting on Dale’s email list

32:20 Why is the street address misleading when bidding on tax sales

35:00 How does the mow to own program work

37:50 How is the opening bid determined

39:30 Why isn’t the opening bid closer to what the property is actually worth

40:25 What happens to the extra money after the property sells

42:00 What happens if the original owner comes back (right of redemption)

46:34 At what point does the winning bidder actually own the property

50:00 Is it common for the original owner to get the property back

58:00 Dale’s number one piece of advice for someone who has never done a tax sale

59:45 Why do properties come off the list at the last minute

1:03:08 Who lives under Dale’s roof

1:03:15 Where is Dale at his best

1:03:31 Favorite blog or podcast

1:03:48 What is Dale’s guilty pleasure

1:04:02 Who is Dale’s mentor and how has he thanked them

Guest-Brian Klarich http://www.abrents.com/

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:50 There is low inventory.

1:29 Hermann London’s goal is to sell $50 million in real estate this year

1:49 First annual Hermann London Easter Egg Hunt at Deer Creek park

2:28 There are a few Hermann London Realtors looking for agents to join their team

3:10 Adam has a summer intern from Mizzou

3:48 Adam introduces Brian Klarich from A+B Acquisitions

4:43 Adam and Brian own a company called ProperVest

7:09 Brian hates big real estate seminars

13:42 The real learning begins when you actually buy that 1st property

14:44 Brian’s 1st houses were problematic. Thank God he didn’t have a wife or kids at the time.

18:28 ProperVest is perfect for investors who are not experts in every aspect of real estate

22:25 The horror stories of a recently acquired 30 unit property that Brian is fixing up

26:21 What should someone do instead of going to a big seminar

32:08 The first time Adam and Brian met

37:22 Using ProperVest to diversify investments

38:30 Who lives under Brian’s roof

39:22 When is Brian at his best

39:40 What is Brian’s favorite blog or podcast

41:00 What is Brian’s guilty pleasure

41:35 Who is Brian’s mentor

46:40 Follow Brian on SnapChat under @SenatorEricJame

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Co Host-Shannon St. Pierre https://stlouiscityrealtor.com/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:53 Adam introduces Hermann London Realtor, Shannon St. Pierre

2:30 Gary Vaynerchuck’s views on Snapchat & how Realtors use social media

7:52 Adam made an offer on a single family home. Why didn’t the tenant buy it first

22:22 Adam has a passive-income goal of $10,000 a month

31:30 Setting up an LLC

34:08 Hermann London needs more properties even if it is inherited or burned out

34:55 A lender might call a loan if an owner moves out and make them refinance

39:30 How does a lender know if the owner moves out

41:30 Adam is a little frustrated that home prices are going up

43:28 Looking at past prices when making offers but forgetting about appreciation 

44:10 Can a Realtor use offers as comps when appraising

49:00 There was 1 house for sale in Maplewood/Richmond Heights School District

50:57 Beware of foreclosure websites especially regarding inspections

55:00 Adam firmly believes in the value of home staging. His brother & mom own Watson Home Staging

56:28 How to contact Shannon- cell: 314-583-0070 email: Shannon@LivingTowerGrove.com SC: @LivingTG Twitter: @STLCityRealtor

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Guest - Jo Rossi of https://x-bility.com/ 

Co-Host-Molly Kruse-http://www.studiomdesignery.com/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:01 The Hermann London bowling event is in February

2:07 Adam introduces Jo Rossi, the owner of X-Bility

2:20 Adam introduces his wife, Molly

2:30 The reason why Adam wanted to talk more about X-Bility 

2:50 Jo gives the basic rundown of what X-Bility can do for people

4:13 How did Jo get into life-coaching

5:14 What it means when “people’s light bulbs go off” during X-Bility courses

5:47 What is the biggest reward Jo gets out of coaching X-Bility courses

6:31 Why is change so scary to people

7:30 How can Realtors benefit from X-Bility courses

8:28 How does Jo feel about Anthony Robbins

8:49 If Jo is not a motivational speaker then what title does she go by

49:55  How to contact Jo, learn more about X-Bility, and save $100 off the course

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Guest - Nate K. Johnson of Real Estate Solutions https://www.livingstl.com/agent/nate-johnson/

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Instagram - https://www.instagram.com/hermannlondonrealtors/

Address - 7350 Manchester Rd, St. Louis, MO 63143

Phone Number - 314-802-0797

Search For Homes on http://www.wizah.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:05 Hermann London Business Planning Retreat on December 6th

1:18 Hermann London Sales Meeting and Holiday Party- on December 13th

1:51 Adam’s 4-family unit at 4922 Wise in The Grove is finally rehabbed and on the market

2:25 Adam introduces Nate K. Johnson

3:46 What is the St. Louis Association of Real Estate Professionals

7:26 How did Nate get Adam involved with volunteering with the different real estate associations

10:23 How does getting involved with the association help a Realtor’s business

12:25 What is the Smart Growth Advisory Board

14:35 What can a Realtor do when a city is thinking about allowing something like a Wal-Mart to be built

17:10 Are there any new changes coming to the industry

18:12 What does Nate do with the preservation board

24:14 How did Nate get started in real estate

25:14 Nate serves on the board of TrailNet.org

27:41 Nate owns his own brokerage called Real Estate Solutions

28:51 What are some challenges that come with owning your own company

30:15 Does Nate focus on a certain type of real estate

32:25 Does Nate have a certain way he likes to get business

33:43 Nate’s contact information

35:10 How does Nate balance work and family

40:51 Who lives under Nate’s roof

41:16 Where is Nate at his best

41:47 Does Nate have a favorite blog, podcast, or book

46:43 What is Nate’s guilty pleasure

48:03 Who is Nate’s mentor and how has he thanked them

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/ 

Guest - Martina Johnson, St. Louis Realtors Government Affairs Director https://twitter.com/MartinaEvaJ

Co-Host-Matt Simon

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Facebook - https://www.facebook.com/HermannLondon/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:49 Adam introduces Martina Johnson, the Goverment Affairs Director for the St. Louis Association of Realtors

0:59 Adam introduces Matt Simon, commerical Realtor at Hermann London

1:34 December 6th is the Hermann London Business Planning Retreat

1:40 December 8th is the St. Louis Association of Realtors Holiday Open House Party

2:32 October 20th is RPAC-Toberfest at Kirkwood Station Brewery from 4:30-6:30

3:13 October 24th is the Xplode Tech  Conference at River City Casino

4:11 November 10th is the St. Louis Association of Realtors Installation of Barry Upchurch

5:21 Why does the St. Louis Association of Realtors need a government affairs director

7:05 Call 314-576-0033 and ask for Martina if you are having a real estate issue in your municipality

8:33 Why should Realtors donate to the Realtors Political Action Committee (RPAC)

10:30 Who should Realtors vote for in the upcoming election

12:34 Why should people vote YES on AMENDMENT 4

20:43 Can landlords & property managers discriminate against sources of income like section 8

26:24 New HUD guidelines on background checks

29:47 New HUD guidelines on crime free housing ordinances

33:58 City of St. Louis public nuisance code changes

38:09 Security deposits musts be held in a separate trust account

40:16 What’s the best way for Realtors and brokers to stay informed with government affairs

42:02 Changes to commercial real estate

43:00 Who lives under Martina’s roof

43:55 Where is Martina her best

44:15 What is Martina’s favorite blog

45:11 What is Martina’s guilty pleasure

46:12 Who is Martina’s mentor and how has she thanked them

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/ 

Guest - Joey Vosevich  

ITUNES-http://goo.gl/rs1q9X

Facebook - https://www.facebook.com/HermannLondon/

Twitter - https://twitter.com/HermannLondon

Producer - Joey Vosevich

Theme Song by Trastornobeats

3:05 9/22 is the Hermann London company picnic

4:20 Two new Hermann London agents are actually doctors

5:24 A quick summary of the types of technology Hermann London uses

6:40 Making lists, staying organized, Google Drive, Google Keep, Evernote, & Trello

7:50 The podcast, Audacity, Adobe Audition, Podomatic, iTunes, OTranscribe, Wordpress, Youtube, royalty free songs, Reddit

12:30 Making calls, Mojo, Landvoice, MLS (Multiple Listing Service), MARIS (Mid-America Regional Information Systems, TheRedX

14:09 Getting listings to all of the real estate websites, MLS, Wizah

15:25 Social Media, Facebook, Facebook Live, LinkedIn, Twitter, Instagram, Snapchat, HootSuite, & SproutSocial 

16:00 The proper way to use Facebook, Facebook Ads, & Facebook Analytics

19:45 Databases, RealtyJuggler, TopProducer, SugarCRM, GMAIL, & Google Contacts

21:51 Property search, IDX (internet data exchange), IDXbroker, BoomTown, RealGeeks, & Wizah

24:45 Drones, DJI Phantom, Youtube.com, FAA regulations, virtual tours, & commercial property

29:30 Email Newsletters, MailChimp, Hermann London Blog, IFTTT (if this then that), Zapier, Google Analytics, CDOM (concurrent days on market), monetized Youtube videos, MarketVolt, ConstantContact, & spam laws

36:24 Printed marketing materials, flyers, postcards, letter head, sign-in sheet, editable Adobe Reader files, USPS (United States Postal Service), & EDDD (every door direct mail), 

39:40 Cloud storage, iCloud, Google Docs, & Google Photos

42:24 File review, formsRus, EchoSign, Docusign, PaperlessPipeline, & DotLoop

44:20 Supra Box by General Electric

47:12 iPad and tablet vs. printed documents

48:32 Technology can make agents lazy

49:32 CMA (comparative market analysis), Zillow, Realist, AVM (automated valuation method), & RPR (Realtors property resource)

51:40 Matterport Camera, Matterport online hosting, virtual tours, & giving a minimal amount of information so the buyer will like it and visit

56:20 Taking professional photos & DSLR camera (digital single lens reflex)

57:25 Reflective yard signs

58:08 Floor plan layouts with MagicPlan

59:58 New technology comes out every day

60:34 Use the best software to get the job done and don't settle for just one

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/

Guest - Attorney, Doug Hickel

Guest - Realtor, Matt Simon

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

0:43 Adam introduces Doug Hickel and Matt Simon to talk about commercial real estate leases

1:45 How did Adam meet Doug Hickel

3:36 How did Doug decide to become an attorney

4:00 What are the different categories of attorneys

5:03 What is a typical day like for Doug

5:38 Does Doug typically only do real estate

6:13 Who is Doug’s target client

8:06 What is a lease and what are the different types

10:14 When is a triple net lease used most often

11:17 How is leasing a store front in a shopping center different

12:04 What are common are maintenance charges (CAM)

12:51 Who controls the common area maintenance charges

14:21 Are there any clauses Doug focuses on regarding caps

15:57 How does it work when the lease requires the tenant to make all the updates

18:51 How common is it for a landlord to offer build-out expenses and tenant improvement allowances

20:02 How do you determine a fair rate increase to the common area maintenance

21:46 Is it common for a lawyer to do residential leases

23:08 Can a broker put a lien on a commercial property in order to receive their commission

24:17 What is the most complex commercial lease Doug has ever seen

25:52 How is the lease for a store in a mall different and what is percentage rent 

27:26 How common are personal guarantees for first time business owners

28:56 Has Doug ever seen a landlord have to go after a tenant and how is a commercial eviction different

29:55 How have Doug’s leases changed over the years

30:51 How do you find the right attorney for you

32:19 Is it valuable to work with a law firm with lots of different types of attorney

33:36 What is one of the strangest/most interesting leases Doug has worked on

35:48 What if the landlord  comes around too much and what are negotiated access rights

37:38 How do confidentiality agreements protect the landlord and the tenant and what to do if there is a breach

Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/ 

Guest - Erica, a First Time Home Buyer

ITUNES-http://goo.gl/rs1q9X

Blog-https://hermannlondon.com/podcasts/

Website http://hermannlondon.com/

Producer - Joey Vosevich

Theme Song by Trastornobeats

1:20 Coming soon listings are selling houses above asking before they are listed

2:10 Go to HaveUsOver.com to get your home prepared before you list it

2:36 Hermann London will be going to the Ronald McDonald House to cook for needy families

3:10 Adam introduces Erica, a listener of the podcast who just used Hermann London to buy her 1st home

4:26 Hermann London's goal is to make real estate experts out of their clients

4:55 The steps to buying a house

5:10 How did Erica find Adam and Hermann London Real Estate Group

6:00 What research did Erica do before contacting Adam

6:56 How did the 1st meeting between Erica and Adam go

7:55 How did Erica decide where to live and what kind of house she wanted

9:16 How did the pre-approval process go

11:19 Did Erica use any down payment assistance

12:58 How did the looking for homes process go

14:48 Who chose what houses Erica wanted to look at

17:08 How did Erica know when she found the right house

18:20 Did Erica bring a devil's advocate to look at the house

19:00 Erica would look up some of the sellers on social media

19:50 What was the most surprising thing about looking for house

21:29 Could the looking for houses process been better

22:05 What gave Erica the confidence to make an offer 

25:55 What inspections did Erica get and why did she have to do them on 2 different houses

28:08 How did negotiating inspections go

30:22 How much money did Erica have to bring to closing

30:55 Why is Erica still looking at houses

31:32 Did Erica make her roommate sign a lease

31:55 Was all the closing paperwork overwhelming

32:18 How did cleaning the house go

34:08 Will Erica hire movers

34:50 Do neighbors bring pie

35:55 Adam quizzes Erica to see if she has in fact become a real estate expert

39:02 Who lives under Erica's roof

39:25 When is Erica at her best

40:38 What is Erica's favorite podcast

41:03 What is Erica's guilty pleasure

41:49 Who is Erica's mentor

42:20 Was Erica nervous to be on the podcast