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Hey, Regular And Section 8 Landlords! Your Property Need A Little TLC But Don�t Have The Funds?
Are you a landlord with a property that could use a little tender loving care? Of course, who has money for this, right? With property values declining like they have been, good luck getting a bank to approve a repair loan. What should you do? Wait until the property values recover, and let your property rot until then?

Introducing the Property Improvement Program (PIP)

The Michigan State Housing Development Authority (MSHDA) has a program called the Property Improvement Program (PIP). PIP offers loans to landlords, who want to improve their properties. This is a special program that allows the landlord to borrow money for property repairs. The interest rates are low, but there is an even larger benefit to the property owning landlord.

This loan can be repaid over a twenty (20) year period,lida daidaihua slimming capsule at gnc?, making smaller monthly payments, which makes it easier to have a positive cash flow with a lower rent amount. There is not any penalty for repaying the loan early, either.

Perhaps, most importantly, there are no income requirements for a landlord.

Program Loan Requirements

Like all government programs, this loan has special stipulations.

First, you cannot take out a loan to improve an out-of-state property. The property must be in Michigan, and only the property owner can take out an improvement loan through this program. A property owner might be in the process of buying the home, but loan recipient must be the owner. The owner must be an individual, and not a company.

Next, your credit must be acceptable. Depending upon the loan amount, your credit score must be,lida daidaihua slimming capsule at gnc?, at least, 620. If your property is a multiple units,lida daidaihua slimming capsule at gnc?, you will need a 660 credit score or better.

Your property cannot have any more than eleven (11) units to qualify for this loan.

Finally, you are limited how much you can charge for rent for as long as you have to repay a balance on this loan. You cannot charge more than the MSHDA local community rental limit.

What property improvements will this Property Improvement Program (PIP) loan cover?

According to the MSHDA website, here are some of the allowable home improvements as of March 2010:

� Roof Repair/Replacement

� Kitchen and Bathroom Remodeling (including Built in Hard-Wired or Plumbed Kitchen Appliances)

� Attic and Basement Finishing, Room Additions

� Garage Repair/Construction, Carports, and Pole Barns

� Climate Control (Central Air Conditioning, Furnace Replacement, Solar Heating Systems,lida daidaihua slimming capsule at gnc?, etc.)

� Energy Efficient Improvements (Insulation, Siding, Window Replacement, Windmills, etc.)

� Carpeting

� Safety (Electrical Wiring Upgrades, Railings, Lead Paint Hazard Remediation, Indoor Sprinkler System, Fences)

� Walkway/Driveway Installation

� Indoor Fireplace

What do I need to do to get a Property Improvement Program (PIP) loan?

1. You need to decide how you want to improve your property,lida daidaihua slimming capsule at gnc?. (See above list for ideas.)

2. Find how much you will need to borrow. Get multiple estimates.

3. Talk with a MSHDA-approved Participating Lender or Community Agent about applying for a loan.

4. Gather Your Key Documents that your rep requests.

5. Complete the MSHDA Credit Application.

6. Purchase Title Insurance (if you do not have this, already).

7. Be prepared to pay upfront fees.

a. Loan Processing Fee: $100-$200

b. Origination Fee: $100 or 2% of Loan Amount

So, Mr. Regular or Section 8 Landlord, why are you waiting? Take advantage of this great opportunity now.

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lida daidaihua slimming capsule at gnc?

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