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Buying Successfully
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EXECUTE WITH UTMOST SPEED &
KNOWLEDGE - The best advice comes from J. Moinian, one of the
pre-eminent Manhattan and national real estate owners (see: "Moinian Finds
'Weak Spot', Real Estate Weekly, Dec 15, 2004"; http://www.findarticles.com/p/articles/mi_m3601/is_18_51/ai_n8590258).
To quote from the article: " ... the Moinian Group was able to
buy the Sears Tower only because a bidder who had already shook hands on the
contract failed to close the deal quickly ... 'You can be the winner, but if
[there are problems with the contract] they have the next guy ready. You get
four to six hours to come up with a signed contract and the money.' he
said. In general, he advised potential investors to be aggressive, study the
properties they want to buy and be ready to complete fast transactions. 'In the
buildings that I bought, there is not an inch that I don't know' he said..."
Bottom Line: Do Your Homework, Act Like
Lightning.
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LINE UP FINANCING IN ADVANCE -
Secure all your financing in advance, so you can act quickly.
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CONVINCE SELLER YOU ARE THE MOST CAPABLE
& CREDIBLE BUYER; CLOSE AS QUICKLY AS POSSIBLE - Sellers want to
minimize the risk of the sale not going through -- they want to know the buyer
is financially capable and will execute quickly, with certainty. As a buyer,
you want to make sure you close the deal, not somebody else -- do your
homework, act quickly. Study the property extensively beforehand, line up
financing in advance, have a successful track record, inform the seller of the
extent your real estate holdings, etc. Take Mr. Moinian's advice; go to
contract quickly. Re 1031 exchanges -- if closing delays of many months are
required, it would be best to secure the transaction with a negotiated
non-refundable deposit; consult experts if you are not one yourself.
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VARIOUS ISSUES - Pricing methods: Return on Investment
(ROI); Selling Price/SF; Gross Rent or Income Multiplier (Selling Price/Gross
Building Rent or Income). Buildable
Square Feet: established by the Floor Area Ratio (FAR) for the zone, and
the lot's footprint; determine the available air rights, and if they have
been sold or not; determine what the building height restrictions are for the
zone. Seller's mortgage: is it
assumable; are there any pre-payment penalties; are there any defeasance or
other early retirement costs. Deposit:
5% - 10%; under what circumstances is it refundable; under what circumstances is
it non-refundable. Broker's Commission:
Determine whether Seller pays the Buyer's broker's commission or the Buyer pays
the Buyer's broker's commission (more common today than historically). Building: Delivered occupied with leases
in effect, or delivered vacant, or..; violations - what types, if any --
building code, environmental; easements; integrity of the major building
systems such as the elevators, furnace, oil tank, plumbing, electrical, roof,
etc.; other. Condominiums: more
straightforward approval process than for CO-OPs; check for common area &
general maintenance charges; assessment fees, including anything approved and
upcoming, but not yet in effect; real estate taxes; seller's NY City &
State transfer taxes; buyer's mortgage recording tax; etc. CO-OPs: approval by the board may take many weeks; check for
charges as for Condos above, plus the CO-OP "flip tax", which the
buyer must pay. 1031 Exchanges:
consult experts if you are not one yourself.