{"teamId":"11303","campaignId":"1057","seriesId":"16735","from_email":"rentfrank@gmail.com","email_subject":"You ever think about a condo?","attachment":"","email_message":"<table width=\"100%\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"background-color:#fff;\">\r\n\t<tbody><tr>\r\n\t\t<td class=\"paragraph\" style=\" padding: 15px;\">\r\n\t\t\t<div class=\"show-action-on\" style=\"width: 96%; display: none;\">\r\n\t\t\t\t<i class=\"fa fa-pencil-square-o\" onclick=\"EditText('t1');\"><\/i>\r\n\t\t\t<\/div>\r\n\t\t\t<span id=\"t1\"><div>\r\n\tHey {first_name},<br>\r\n\t <\/div>\r\n<div>\r\n\tToday I want to talk to you about 10 common misconceptions about owning a<\/div>\r\n<div>\r\n\tcondominium. Don't buy a condo if you believe any of the following:<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t<span style=\"color:#0000ff;\"><strong>1. I have total freedom to renovate and decorate.<\/strong><\/span><br>\r\n\t <\/div>\r\n<div>\r\n\tKeeping in mind that you don't actually own the electrical\/plumbing\/anything on the<\/div>\r\n<div>\r\n\tother side of the drywall, you may not be permitted to make major alterations. Any<\/div>\r\n<div>\r\n\tmajor reno, like tearing down walls or adding a second bathroom, will require board<\/div>\r\n<div>\r\n\tapproval. In terms of d\u00e9cor, they may even have regulations over window covering<\/div>\r\n<div>\r\n\tcolors or what you're allowed to hang on your front door.<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">2. My balcony will be my BBQ haven.<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tBarbecues are usually banned in condos because fire rules don't allow propane tanks<\/div>\r\n<div>\r\n\tto be transported in elevators. So unless that balcony has an existing natural gas<\/div>\r\n<div>\r\n\tline, you likely aren't going to be doing any bbq-ing.<br>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">3. The condo board pays for big expenses - not me.<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tActually, you are the condo board. While you may not have an official role on the<\/div>\r\n<div>\r\n\tboard, as an owner, you own a certain percentage of the condo. Part of the fees you<\/div>\r\n<div>\r\n\tpay go toward a reserve fund to pay for things like a new roof. Thus, the board is<\/div>\r\n<div>\r\n\tusing your money when they spend this reserve. And if there isn't enough money in<\/div>\r\n<div>\r\n\tthe fund to pay for repairs, they'll either increase the condo maintenance fees or<\/div>\r\n<div>\r\n\tcharge you a lump sum payment.<br>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">4. I don't need insurance \u2013 my condo fees cover it.<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tTrue, but the insurance included in your fees covers only the building itself. You still<\/div>\r\n<div>\r\n\tneed to buy content insurance for all of your personal belongings ie. your fridge,<\/div>\r\n<div>\r\n\tyour stove, and the like.<br>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">5. My 80 lb German Shepard will be living with me in my condo<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tPractically every condo has rules restricting pets \u2013 from number and<\/div>\r\n<div>\r\n\tkinds of animals, to size. Most commonly, we see a two-pet maximum and a size<\/div>\r\n<div>\r\n\trestriction for dogs (often 25 pounds). If you don't want to give up your pets, let me<\/div>\r\n<div>\r\n\tknow about them before you buy.<br>\r\n\t <\/div>\r\n<div>\r\n\t<span style=\"color:#0000ff;\"><strong>6. I'd rather own a house because condo fees are too expensive.<\/strong><\/span><br>\r\n\t <\/div>\r\n<div>\r\n\tOwning a condo is almost always cheaper than owning a house. House owners have<\/div>\r\n<div>\r\n\thigher utility bills and insurance payments. They need to pay for water, garbage and<\/div>\r\n<div>\r\n\tsewers, and should budget 3-5% in annual maintenance and repair costs.<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">7. Condo board meetings are irrelevant to me.<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tFalse! Sure, condo living means being at the mercy of the other owners and the<\/div>\r\n<div>\r\n\tcondo board. But as an owner, you do get a vote at the meetings \u2013 make it count if<\/div>\r\n<div>\r\n\tyou don't agree with rules they may pass. Just be prepared if they may not clean the<\/div>\r\n<div>\r\n\twindows as often as you'd like, or they increase fees to pay for facilities you don't<\/div>\r\n<div>\r\n\tuse. Regardless, there's a ton of relevant information that impacts your day to day<\/div>\r\n<div>\r\n\tlife\u2026.so stay active.<br>\r\n\t <\/div>\r\n<div>\r\n\t<strong><span style=\"color:#0000ff;\">8. All condo fees are created equal.<\/span><\/strong><br>\r\n\t <\/div>\r\n<div>\r\n\tInclusions in maintenance fees vary. Some condos include all utilities, while others<\/div>\r\n<div>\r\n\tinclude only hydro. Some include cable TV, and some have separate fees for parking<\/div>\r\n<div>\r\n\tand lockers. Moreover, while most buildings charge owners based on the size of their<\/div>\r\n<div>\r\n\tunit, older buildings usually have the same fees regardless \u2013 a bonus for bigger units<\/div>\r\n<div>\r\n\tand an unfortunate reality for smaller ones. <br>\r\n\t <\/div>\r\n<div>\r\n\t<span style=\"color:#0000ff;\"><strong>9. If I have a problem in my building, I should post it on social media.<\/strong><\/span><br>\r\n\t <\/div>\r\n<div>\r\n\tIt's tempting to air out your concerns on social media. But your post about the<\/div>\r\n<div>\r\n\tbroken elevators or noise on the street might impact the value of your condo down<\/div>\r\n<div>\r\n\tthe road - and hurt you when it comes time to sell.<br>\r\n\t <\/div>\r\n<div>\r\n\t<span style=\"color:#0000ff;\"><strong>10. I have an unobstructed view.<\/strong><\/span><br>\r\n\t <\/div>\r\n<div>\r\n\tViews change all the time. So unless your condo has air rights,<\/div>\r\n<div>\r\n\tdon't get too attached to your view. That park across the street may become another<\/div>\r\n<div>\r\n\tbuilding sooner than you think.<br>\r\n\t <\/div>\r\n<div>\r\n\tIs condo living for you? As always, I'd be happy to chat about the pros\/cons of buying a<\/div>\r\n<div>\r\n\tcondominium.<br>\r\n\t<a href=\"https:\/\/app.agencyelephant.com\/glu\/calendar\/2420\/my_calendar\">My Calendar<\/a><br>\r\n\t <\/div>\r\n<div>\r\n\tCheers,<br>\r\n\t <\/div>\r\n<div>\r\n\t<div class=\"col-md-12 whole_width\" id=\"add_whole_width\" style=\"width: 450px; margin-top: 15px; margin-bottom: 20px;\">\r\n <link href=\"https:\/\/maxcdn.bootstrapcdn.com\/font-awesome\/4.7.0\/css\/font-awesome.min.css\" rel=\"stylesheet\" type=\"text\/css\">\r\n <div class=\"fileupload fileupload-new col-md-4 file_width\" id=\"add_file_width\" style=\"width: 140px; float: left;\" data-provides=\"fileupload\">\r\n <div id=\"fileupload-new img-thumbnail\" style=\"\">\r\n <img class=\"profile_img_preview\" src=\"https:\/\/app.agencyelephant.com\/glu\/assests\/images\/game_icon\/pacman\/user_img.png\" style=\"width: 120px; height: 130px\">\r\n <\/div>\r\n <div class=\"fileupload-preview fileupload-exists img-thumbnail\" style=\"\"><\/div>\r\n <\/div>\r\n <div class=\"col-md-8 details_width\" id=\"add_details_width\" style=\"width: 300px; float: none; display: inline-block;\">\r\n <div>\r\n <strong style=\"float:left;\"><i class=\"fa fa-user\"><\/i> <span id=\"show_first_name\" class=\"item_list\">Xiangang (Frank)<\/span> <span id=\"show_last_name\" class=\"item_list\">Zhang<\/span><\/strong><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-globe\"><\/i> <span id=\"show_company\" class=\"item_list\">Intergrity Property Financial Services<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-briefcase\"><\/i> <span id=\"show_title\" class=\"item_list\">Loan Officer<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-mobile\"><\/i> <span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\">248-479-6738<\/span><\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-envelope-o\"><\/i> <span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\">rentfrank@gmail.com<\/span><\/span><\/span><br>\r\n <div class=\"editable-form\" style=\"clear: both; float: left; \">\r\n <i class=\"fa fa-link\"><\/i> \r\n <a data-original-title=\"Edit your website\" data-pk=\"1\" data-type=\"text\" href=\"www.ipfsmortgage.com\" id=\"firstname\" class=\"editable editable-click editable-unsaved\" style=\"background-color: rgba(0, 0, 0, 0);\">www.ipfsmortgage.com<\/a>\r\n <\/div><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-info-circle\"><\/i> <span id=\"show_additional_info\" class=\"item_list\">NMLS# 809254<\/span><\/span><br>\r\n <\/div>\r\n <\/div>\r\n <\/div> <br>\r\n\t <\/div>\r\n<div>\r\n\tPS \u2013 Have you considered buying a home with an in-law suite or basement apartment? Do<\/div>\r\n<div>\r\n\tyou want to make rental income but worried the unit may not have the required permits?<\/div>\r\n<div>\r\n\tUp next, I'll weigh out the risks and rewards of purchasing a secondary suite and how<\/div>\r\n<div>\r\n\tbuying an illegal apartment impacts you.<\/div>\r\n<\/span>\r\n <\/td>\r\n <\/tr>\r\n <tr id=\"canspam\">\r\n <td>\r\n <table width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\" bgcolor=\"#e8e8e8\">\r\n <tbody>\r\n <tr>\r\n <td class=\"paragraph\">\r\n <div class=\"show-action-on\" style=\"display:none;width: 100%;\">\r\n <i class=\"fa fa-pencil-square-o\" onclick=\"EditText('subscription_panel');\"><\/i>\r\n <\/div>\r\n <p id=\"subscription_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);margin-top:10px;margin-bottom:10px;padding-left:10px\"> To unsubscribe from all future emails {unsubscribe}<br>\r\n To update your contact information please {contact_info_update} \r\n <\/p> \r\n <\/td>\r\n <\/tr>\r\n <tr>\r\n <td class=\"paragraph\"> \r\n <table width=\"100%\">\r\n <tbody>\r\n <tr style=\"width:100%;\">\r\n <td style=\"width:80%;\">\r\n <div class=\"show-action-on\" style=\"width: 100%; display: none;\">\r\n <i class=\"fa fa-pencil-square-o\" onclick=\"EditText('info_panel');\"><\/i>\r\n <\/div>\r\n <p id=\"info_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);padding-left:10px\"> \r\n <b>This email is sent to {email} by:<\/b><br>\r\n Intergrity Property Financial Services, 2555 Crooks Road, Ste 220, Troy, MI, 48084, USA<br>\r\n <!-- You are receiving this email as a user and subscriber of Intergrity Property Financial Services, <br>\r\n We periodically send newsletters with tips , tricks and updates on Intergrity Property Financial Services, -->\r\n <\/p>\r\n <\/td>\r\n <td style=\"width:20%;\"> \r\n <\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/td>\r\n <\/tr>\r\n<\/tbody><\/table>","templateId":"719015700447475d94fb4b7260711303"}