S. Nicole Dash -Loan Officer NMLS- 1486063

Owning vs. Renting: 3 Similarities & 3 Differences

Trying to decide between buying a home or renting? Both options have their pros and cons! Here’s a quick breakdown to help you weigh your decision:

Similarities:

Provides a roof over your head: This is the main goal, no matter which path you choose!

Requires monthly payments: You’ll have a recurring cost each month, either rent or mortgage.

Needs maintenance: Upkeep is necessary, whether it’s fixing a leaky faucet as a renter or mowing the lawn as a homeowner.
Differences:

Financial investment: Buying builds equity, while rent goes towards the landlord’s investment.

Flexibility: Renting allows you to move easily, while buying ties you to a location (usually for several years).

Customization: Homeowners can modify their space (with permission!), while renters typically have limitations.

What’s right for you? It depends on your lifestyle and goals. Consider your financial situation, how long you plan to stay in one place, and how important customization is to you.

Wanna buy a 🏡?

Let’s talk Taxes and Insurance:

Factor in Potential Cost Increases When Budgeting for Your Home Purchase

While calculating your monthly housing budget, remember that property taxes and homeowners insurance premiums are likely to rise alongside your home's value, especially for new constructions. Don't base your decision solely on the current monthly payment.

Here's why:
* Rising Property Taxes and Insurance: As your home's value appreciates, you can expect your property taxes and insurance premiums to increase as well. This is because these costs are often based on a percentage of your home's assessed value.

* Budgeting for Potential Increases: To avoid surprises, factor in a potential increase of $500 to $1500 for future property taxes and insurance premiums. This is especially important if you're buying in a high-appreciation area.

* Example: Let's say your current monthly payment is $1375, which includes a $125 monthly insurance premium. If your premium and property taxes increase by $133 per month within 1-3 years of buying the house, your total monthly payment would increase to $1508.

By considering these potential cost increases, you can create a more realistic budget for your home purchase and ensure you're financially prepared for the long term.

Shaneka Dash
Licensed Mortgage Professional
NMLS #1486063
(470) 825-5353
[email protected]
IG~

Need a pre approval call me I got VZW

If your service out email we or hit me on WhatsApp

Don’t let the loss of service cause you to lose out on your dream home

Shaneka Dash
Residential loan originator
470.825.5353
[email protected]
IG~

THIS GROWTH IS CUSTOM MADE 💅🏾🫶🏾

You were my cup of tea, but I drink champagne now 💋

🚨First time homebuyers and/or Investors gem

5012 Millers Glen, Stonecrest 30038
FMLS #: 7288328
GAMLS #: 10212924

Listed by Marcia Coleman

To everyone that has shared this year with me in any capacity……I thank you 🙏🏾

Thank you for the love, blessings and/or lessons.

To my business partners/ associates
Thank you for the referrals & your continual support

🥂 🍾 cheers to what’s to come, may it be all we’ve prayed for 🫶🏾

Conventional down payment and/or closing cost assistance

Requirements:

🗝️ First time homebuyer
🗝️Qualifying income up to 140% AMI
🗝️ 1-2 unit property in specific MSA
🗝️ Homebuyer education course required

Property Eligibility lookup tool:

https://sf.freddiemac.com/working-with-us/affordable-lending/borrowsmart-access-income-and-property-eligibility-tool

📌No pricing exceptions allowed

Shaneka Dash
Residential loan originator
470.825.5353
[email protected]

……and sometimes you win because you don’t play‼️💞

Breakdown of the Teacher Next Door Grant

Product Talk Ep. 2 - Teacher Next Door Teacher Next Door Program - What is it?

Don’t kill your dream…. Joins us and find out the things
not to do to hurt your home buying process

The housing market is on 🔥🔥🔥

The house you love can be shown today and gone TODAY!!!!

There is no room for delay, securing a pre approval is crucial and Is not as easy as a push of a button.

Let us coach you on how not to delay your homebuying process.

https://www.eventbrite.com/e/homebuyer-miseducation-tickets-598015850507

Shaneka Dash
Residential loan originator
470.825.5353
[email protected]
IG~
⭐️ 5 star rated with Experience.com

The housing market is on 🔥🔥🔥

The house you love can be shown today and gone TODAY!!!!

There is no room for delay, securing a pre approval is crucial and Is not as easy as a push of a button.

Let us coach you on how not to delay your homebuying process.

https://www.eventbrite.com/e/homebuyer-miseducation-tickets-598015850507

Shaneka Dash
Residential loan originator
470.825.5353
[email protected]
IG~
⭐️ 5 star rated with Experience.com

My South Carolina buyers are not playing

I’m so excited for my Renovation client getting to create her dream home

If you’re looking to get pre approved give me a call

Avis Davis has the perfect investment property available or starter home

🏡🗝️SC HAS A NEW HOMEOWNER 🏡🗝️

Congratulations to the Campbell family 🎉

Shaneka Dash
Residential loan originator
470.825.5353
[email protected]
IG~
⭐️ 5 star rated lender with Experience.com

https://www.eventbrite.com/e/the-gift-that-keeps-on-giving-real-estate-investments-tickets-526538259107

Are you looking for a way to give yourself a gift that keeps giving?

This Valentine's Day, give equity. Learn about investment loans and the 7 steps to building your business!
Learn how to fix and flip a deal in 60 minutes.

Profit from Property Academy Mastermind. It’s all about generational wealth this year!

So give yourself a gift this Valentines Day, that keeps giving. Looking for an easy way to build generational wealth? Well you're in luck, we have the fix.

Join my team Tuesday February 21st

https://www.eventbrite.com/e/tapping-into-your-video-mojo-tickets-522995783467

With guest speaker Ginger Bell Telly award- winning filmmaker, Emmy Award-winning co producer, video content producer, marketer, educator and edumarketer.



In this session, you will learn:

• Step 1: How to Identify Topics

• Step 2: How to Develop Eye-Catching Headlines

• Step 3: How to Formulate a Video Script

• Step 4: How to Engage with Your Audience

• Step 5: How and Where to Post Your Videos

• Step 6: How to Leverage Your Video Content on

YouTube, Social Media and Email

• Step 7: How to Create a Video Action Plan



As a thank you for attending COMPLIMENTARY HEADSHOTS will be offered after the seminar

Join us for a Brunch & Learn 11/4 @ 10am to discuss how to sell and list in a shifting market. Also provided will be an industry and economic update. Please RSVP to https://brunchlearn-shifting.eventbrite.com

Brunch & Learn The market has shifted, are you prepared?

Hosted by Danesha Freeman Ritzberg Realty International

Stop being irresponsible and start investing your money 💰 in commercial real estate!

Then use your assets to pay for your liabilities.

Think about this:

If you invest in a residential property with a residential loan the most amount of units you can get are 4 and possible for anyone who plays spades ♠️ 🤣 so let’s say the mortgage is $3000/month and the rent on each unit is $2000/month on a year lease so you gross $8000/month and you net $5000/month which is $60,000/year that’s not including any utilities, maintenance, taxes or insurance.

Now let’s get into a commercial property profits let’s say you get 4 commercial units let’s say your mortgage is $8000/month and rent on each unit is $5000/month so that’s $20,000/month gross and you net $12,000/month which is $144,000/year and with commercial real estate you can require your tenants to pay the taxes, insurance and maintenance.

Which one sounds like a better deal to you? What would you do with an extra $144,000 a year?

You don’t want to miss this FREE event on October 14th at 12pm. Register today. Link in the below

First-Time Commercial Investor Seminar First Time Commercial Investors Seminar

The key is not to prioritize what’s on your schedule but to schedule your priorities.” – Stephen Covey

Time is beyond our control, the clock keeps ticking regardless of what’s going on with your life, true time management is prioritizing and maximizing on the time you have.


Shaneka Dash
Residential loan originator
470.825.5353
[email protected]