The Business Builder

	Co-operative Business Expansion Through Our Special Mentor Program
	Condemnation Appraising
	Environmental Appraising
	Environmental Screening
	Specialty Appraising-Golf Courses-Motels-Convenience Stores-Landfills
	Earn your local income while learning how to expand your business
	Qualify jointly to appraise all types of properties.
	You do the local work at which you are good.
	We do the oversight and expert witness work at which we are experienced.

Win-Win

	The attorney is in a prime position to expand his practice into specialty areas such as: Estates (IRS Federal Taxation)-Reduction in Owned and Payable Taxes Real Estate Tax Assessment Disputes-Assurance that taxes are Fair and Equitable. Class Action Litigation-Where there is a major contamination problem, there is a need for Qualified Legal Representation and skilled appraisal expertise.
	We can fill the gap between the legal complications and what is actually happening.
	Our principals can bring expertise that co-ordinates with the litigation problem.

Win-Win

	Estate
	Environmental Contingencies
	Business Valuations
	The Accountant is in a prime position to expand his practice into specialty areas such as: Estates (IRS Federal Taxation)-Reduction in Federal Taxes due to contingent liabilities Environmental Litigation-Reduction in Business Value due to Contamination Real Estate Tax Assessment-Assure that your client's taxes are Fair and Equitable
	Bridging the gap between Book Value, Liquidation Value, and Market Value.
	Our principals can bring expertise that co-ordinates with the valuation problem.

Win-Win

	Asset Management-Identify your Valuable & Hidden Assets
	Real Estate Tax Assessment Analysis-Pay Fair & Equitable Real Estate Taxes.
	Environmental Risk Analysis-Legal Contingent Liabilities May Exist.
	Environmental Damage Control-Before The Money Changes Hands.
	Environmental Hazards-OSHA-Compliance-Small Companies may need help.

Win-Win

	Ad Valorem Tax Assessment-Fair & Equitable Assessments
	Consultation with Staff Appraisers & Local Assessors
	Appraisal of Subject Property for Accurate Assessment
	Expert Testimony to Property Market Value Evidence

Win-Win

	Impacted Property-Now you have a place to get the help you need.
	Does Environmental Contamination Cause A Loss of Market Value?
	Does Environmental Contamination Cause A Loss in Market Time?
	Am I really liable for knowing about lead, asbestos, PCB's and other hazards?
	Market Value Losses from Various Sources

Win-Win

	Question: I'm buying a house close to a landfill, should this be a concern? Answer: There is evidence that a residential property located adjacent to a landfill may suffer some loss of value, however, there are individual cases where this is not true, such as where land and building lots are at a small supply. A market study can determine if this is the situation with your individual property.
	Question: My well has been contaminated with gasoline from a nearby gas station. Can this hurt the value of my property? Answer: Yes, it is quite possible that it may cause a l;oss in market value. In some cases, it may also cause a change in highest and best use. An example would be a meat market and child care center next to a gasoline station where the petroleum product leached under the businesses. This would almost certainly result in a problem for those businesses.
	Question: The house that we are thinking about buying is located on a lake that was recently contaminated with Dioxin. Could this cause a loss in property value? Answer: Case studies developed in the mid-1990's supported that property value will generally diminish when a contamination becomes public knowledge. In this case, the lake was contaminated and suffered restricted use for about 2 years. After it was cleaned up and released for use by EPA, the property values started to recover slowly. The extent of damage and the time frame for recovery is directly related to the individual situation.
	Question: What is PMI? Answer: Actually PMI stands for Primary Mortgage Insurance which is required by a lender when the mortgage you take out on your property has more than a 80% loan. The lender would prefer you have at least a 20% down payment. The insurance protects the lender and places them in a 80% loan to value ratio on your property. If you default, the lender would have collected the 10% down payment from you, the 10% of the insurance from the PMI carrier, and would be at a 80% risk. Consider this as a simple explanation. Your individual situation may very well be different.
	Question: Why is PMI knowledge important to me? Answer: The premiums for PMI insurance are paid by the borrower, and can amount to several hundred dollars per year in some cases. When the value of your property reaches an appraised value sufficient that 80% of the property value covers the balance on your mortgage, you may be able to get the PMI insurance premium taken off of your monthly payment. The law states that you would need an appraisal by a State Certified Appraiser. Check it out with your lender.
	Question: Can I talk to someone about a Real Estate Valuation problem? Answer: Yes, drop us an email message. We will answer it back by email or phone you.

Win-Win