Real Estate Law – What Is A Preliminary Title Report?

As an Arizona real estate lawyer I have met with hundreds of people who have questions about real estate transactions they are involved in or considering getting involved in. Many of these questions surround the myriad of documents that are typically associated with the purchase of real estate. One of these documents is the Preliminary Title Report.

Most people who purchase real estate will review dozens of documents that they are expected to understand before closing the deal. The Preliminary Title Report is prepared by the title company selected by the parties and/or the lender who will be financing the purchase, and it constitutes an offer on the part of the title insurance company issue a title insurance policy covering the real estate at issue, subject to the exceptions stated in the report.

The exceptions really are the primary points of interest for the buyer who is evaluating a property, and buyers should reserve the right to cancel the transaction pending the opportunity to review and approve the title report and the stated exceptions. These exceptions may indicate potential problems with the property, so it is vitally important for the report to be carefully reviewed and understood as soon as it is received. The exceptions identified in a Preliminary Title Report are the same items that will be shown as exceptions to coverage in the title insurance policy upon closing, subject of course to changes that may occur before the time of closing (hence the designation as “preliminary”).

The report is issued in response to an application for title insurance,typically for the purpose of facilitating due diligence requirements and confirming the availability of a policy in a form and content approved by the parties to the transaction. In some instances a party may wish to understand what defects or problems exist associated with title to a certain property, but not necessarily in connection with a contemplated sale or purchase. If that is the case, instead of requesting a Preliminary Title Report, the party should consider a Condition of Title Report, which will identify the same items that would be listed as exceptions, and which is generally less costly.

Significantly, the Preliminary Title Report disclaims liability and typically states that it is being provided solely to facilitate the subsequent issuance of a title insurance policy. Prior to that issuance, the title insurer purports to assume no liability for errors in the report. In other words, any claim asserting a defect in title must be made under the title policy and not the Preliminary Title Report. The Preliminary Title Report includes a number of items, including the exceptions referenced above. These items include:

The legal interest interest in the property that is to be covered.
The legal owner of the estate or interest who is to be insured under the policy if and when it is issued.
The legal description of the parcel of land involved.
The exceptions, including liens, judgments, claims, encumbrances and other risks or potential risks, which will not be insured against if a title policy is issued.

Internet Moneymaking Opportunities in the Education Industry

Although it should come as no surprise, there are a variety of ways for schools and educators to make money online. While the opportunities are endless, one recent concept has emerged, and that’s the notion of selling goods and services through an educational auction and freelance network.

One of the more obvious ways that schools and educators can make money is by selling their unwanted materials and supplies online. The best way to get paid is through a trustworthy educational exchange website, where it’s free to list items, and a small fee is taken only when the item sells. You can sell items on behalf of the school, an individual, or a preschool or daycare.

If your colleagues are too busy to deal with selling their unwanted educational items, you can always assist them by listing their items for them, and then taking a percentage of their cut.

Educators and professionals can sell their services through the same educational networking website. By listing your areas of expertise, you can get hired to do the jobs that other educational professionals just don’t have the time to complete.

You don’t have to limit your moneymaking potential to selling goods and services – you can also make money by being an affiliate. The gist of being an affiliate is that you indirectly promote the educational exchange site by sharing the link with interested parties and vendors. You receive money whenever your referral results in a transaction during the first year.

Why shouldn’t schools and teachers make money in any way they can? You certainly can’t depend upon your state and local government for additional help. Beyond selling magazines and submarine sandwiches to raise money, there has to be other avenues.

You can generate revenue by thinking creatively and showcasing your goods and services on the Internet. You’ll find an entire pool of buyers online that you never knew existed. When you specifically use an educational exchange auction site, you can buy and sell almost anything related to the field of education.

Whether it’s janitorial supplies, puzzles, or televisions, there is a school or classroom that needs exactly what you have. You simply have to connect with the schools that need your old electronics or gym equipment. Perhaps you even have something brand new that you never used. Whatever you’ve got, take the time to list your items for free on a reliable educational networking website as soon as possible. Don’t wait any longer to earn some extra money.

Eleven Key Attributes of a Good Property Manager

Property Management is a career profession. The industry allows for employment growth, continual learning experiences, and the opportunity to work with diverse people and income groups. The Property Manager can work either directly for an owner of real estate properties, or for a property management company, contracted by an owner or legal entity to care for the real estate over a specific period of time.

The Property manager has a fiduciary relationship with the management company and property owner. A fiduciary relationship is one that is based on a mutual trust and complete confidence in one another.

The Property Manager is provided an owner’s real estate portfolio to manage to its “highest and best use” in exchange for an employment contract or salary. Real estate assignments for the property manager includes apartment buildings, condominiums, hotels, storage facilities, shopping centers, office buildings, government subsidized properties, rooming houses, abandoned buildings and plots of vacant land, to name a few.

I have managed almost all of the above types of properties for over twenty years. I have managed public and private housing, for non-profit organizations, for the federal government, and for private developers and real estate investors. I also owned my own property management company for eight years. I now teach, speak, and write about property management standards and techniques. Here are some crucial skills, which I know from first hand experience, must be accepted as required attributes and learned skills in order to be a good property manager.

1. Must Know and Stay Current on Local Ordinances and State Laws

Managers are required to perform their work according to the laws of the land. The government (city, state, and federal) dictates how real estate is to be managed, from requiring a real estate license (depending on the state), to the use of the real estate (such as rent control laws). From proper trash removal to how and where we must keep security deposits, the manager has to keep abreast of the many legal requirements of managing real estate. If a mistake is made or a task is forgotten, it could cost the owner his or her property, and/or a management company’s reputation, loss of the account, or even the loss of real estate licenses.

2. Must Be Highly Ethical and Honest

Property Managers work on the Honor Code when they handle other people’s money. By collecting rent, security deposits, laundry machine money et al, the property manager holds a fiduciary relationship with the property owner and/or management company. The owner entrusts the property with thousands of dollars each month, plus the value of the real estate itself. The manager is hired to perform at his or her highest level of integrity. On a daily basis, the property manager’s good judgment and sense of what is right and wrong is called into play.

3. Must be Detail Oriented and Organized

Managers collect the rent daily, and must ensure that each rent is paid and posted to the tenants’ account as received. Financial records detailing each and every rent transaction are kept, either by rent cards, or on the computer. Lease expirations and renewals, rent increase letters, and rent invoices must be mailed on time. lines for court appearances must be kept, and clients must receive their written monthly report of operations. A skilled property manager is able to multi-task, keep site files organized, and prioritize repairs and assignments.

4. Must Have Good Communication Skills

Managers must be able to communicate with people from all walks of life, cultures, ethnicities, and personalities. Managers must be able to articulate their cases in front of judges, talk to the owner, negotiate with vendors as well as speak appropriately with tenants, who are often frustrated, upset, or angry. A good manager must be able to stay calm, and communicate in a professional manner. Familiarity speaking in other languages is always a plus.

5. Must have Good Computer Skills

Computer competency is a technical skill, like driving, typing, etc. The use of email, mail merge, and faxing through the computer is at the heart of property management today. This is especially true if the property is on one part of the city or state, and the home office is a distance away from the site. If a manager does not have a solid command of the computer and its basic programs, such as Microsoft Word and the spreadsheet Excel, you may be hard pressed to find an administrative position in this field.

6. Should Like Working with the Public

If everyone paid the rent on time by the fifth day of each month, the manager would not have rent collection work to do. If a property never had problems, such as toilet overflows, lost keys, or defective smoke detectors, a property manager would have little to do. Therefore, it is important that a manager enjoy dealing with people with problems. A manager should at least like helping tenants with dignity, and in a responsible manager. If you do not like being interrupted several times a day with a dilemma to solve, this type of job may not be for you.

7. Must Be Patient and Have a Sense of Humor

There is some pressure involved working with the public. There are days when nothing seems to go right, and if you happen to have a headache that day, it could be a long 9 to 5. A calm personality or a good sense of humor will take you a long way in property management. If you tend to be high-strung, anxious, or become angry or impatient while working with tight deadlines or with people with problems, you may want to re-consider taking on this profession.

8. Must Like to Read and Conduct Research

There are many types of leases, agreements, forms, and other legal documents that must be signed between tenants, the manager, government agencies, the site attorney, and/or the owner. Real estate and governmental regulations change; the manager must be willing to read up on them and stay current. Documentation must be read and checked before submitted to tenants, agencies, the owner, etc. If you do not like to read in order to keep up with the latest trends, legal and industry changes and terminology used, you will not be able to properly do your job.

9. Must Have a Strong Sense of Duty and Commitment

Ensuring that the tenants under your control are treated with respect, have heat and hot water, are not subjected to or committing illegal activities or disruptive behavior of their neighbors, are some of the managers’ duties. Tenants depend on the manager’s sense of obligation to the property and the families or professionals who live in it. The manager may not always have the funds to do everything all the time, but what can and should be done, such as keeping the building clean, and having a sense of urgency to get work completed in a timely manner.

10. Should be Flexible-Minded

Property Management is a fluid profession, in that it follows economic, governmental, industry, and societal changes that impacts how a property is managed. Managers who still like the “good old days” of mistreating tenants and making rental applicants jump through unnecessary hoops to get an apartment (or the opposite, by not checking anything), will find him or herself out of touch, and maybe out of a job. The ability to accept changes of law, obey fair housing laws, have a positive, or at least a neutral, attitude about people who are different, and above all, to be open-minded, is a key element of a successful manager.

11. Must Be an Excellent Follow-Up Person

A manager can never assume that a repair or rent payment plan will happen on its own. Our mantra is: “Follow Up, Follow Up, Follow Up!” This is one of the most critical skills of a good property manager. The ability to multi-task, keeping several balls in the air without dropping any of them is challenging, and difficult at times. The ability to successfully multi-task is often rewarded both financially and in promotion decisions.


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