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From YouTube: Bloomington Home Improvement Fair: How to Improve Your Home for Maximum Return on Sale
Description
Bridge Realty
A
My
name
is
Carla
DiMaggio
I'm,
a
real
estate
broker
here
in
Bloomington,
with
bridge
Realty,
Amana
Bloomington
resident
as
well.
I
will
be
in
Bloomington
for
10
years.
I
live
in
East,
Bloomington
and
also
I'm.
A
member
of
the
Bloomington
forward.
2040
committee
and
I've
been
licensed
real
estate
broker
for
13
years
I'm.
Also
a
little
bit
of
a
blogger
I.
A
Have
this
website
stitched
at
dr.com,
which
I
use
you
know
to
target
renters
that
wants
to
want
to
transition
from
renting
into
owning
their
own
home
and
get
it
sold
em
income,
which
is
landing
page,
that
I
have
for
home
sellers,
so
I've
been
blogging
about
real
estate.
Real
estate
is
my
passion
and
I'm.
A
A
I
did
it
for
six
years,
along
with
my
wife
and
today,
we're
going
to
cover
12
factors
to
consider
about
how
to
improve
your
home
to
get
the
best
rate
of
return
of
your
investment,
and
there
are
very
simple
topics.
I
know
that
most
of
you
guys
are
going
to
be
able
to
to
relate
to
all
of
this.
So
the
first
thing,
one
of
the
things
that
we
need
to
consider
is
budget
and
timing.
A
You
know
the
thing
that
most
people
they
need
to
consider
is,
first
of
all,
before
you
even
consider
to
get
your
house
ready
for
the
market
and
everything
imagine
that
you
guys
are
planning
to
purchase.
Another
property
mother
is
here
on
the
stair
or
you.
If
you
plan
to
relocate,
try
to
get
your
finances
in
order
to
get
approved
for
the
new
mortgage.
Sorry,
you
guys
are
gonna,
be
you
know,
applying
for
usually
playing
for
a
mortgage.
A
Some
things
you
know
most
buyers
they're
already
expecting
to
do
some
of
the
labor
when
they
purchase
the
property,
but
not
that
much.
Okay,
the
Twin
Cities
real
estate
market.
Is
you
know
if
you
can
see
it?
It
has
a
curb
meaning
that
the
peak
of
the
season
to
put
your
property
for
sale
is
right
here
and
that's
because
the
the
inventory
that's
what
most
people
are
trying
to
get
our
house
ready
for
the
market
and
that's
when
most
buyers
are
ready
to
purchase
homes,
so
between
March
and
May?
A
Does
a
pig
see
how
they
the
two
lines
intersect
right
here,
which
is
the
properties
that
are
on
the
market
and
the
buyers
that
are
available?
You
know
able
to
purchase
your
property
they're
already
financed
and
ready
to
purchase
your
property
in
this.
You
know
something
that
we
see
on
the
market
in
Minneapolis
year
to
year.
The
best
way,
the
best
time
to
get
you
properly
in
the
market
is
right.
Here
does
when
you
were
you
gonna
get
the
most
for
your
Hmong
writer.
A
Then
later
you
know
we
we
tend
to
have
a
little
more
inventory,
but
less
able
values
and
then
we'll
go.
You
know,
I'll
go
September
and
October,
it
does
when
we
have
less
buyers
and
still
they
mentor
is
there.
So
that's
when
people
tend
to
drop
the
prices
on
their
property
a
little
bit,
so
they
can
get
them,
get
a
property
so
before
before
the
first
snowfall.
So.
A
Still
it
doesn't
matter,
you
know
if
you,
if
you
have
a
good
real
estate
broker,
taking
care
of
a
vessel
of
your
home
they'll,
be
able
to
price
the
property
correctly,
so
they
can
get
it
so
fast,
now,
who's
the
prospect
buyer.
This
is
this-
is
really
important
because
there's
different
types
of
virus
here
in
Bloomington,
most
of
you-
probably
are
blooming
to
homeowners.
A
Here
in
Bloomington
we
have.
The
properties
are
an
East
Bloomington
which
are
built
between
1950s
and
60s
in
West
Bloomington.
Our
bill
7
is
a
TSN
up.
So
you
need
to
know
what
type
of
buyer
you're
gonna
target.
We
have
three
different
types
of
buyers:
the
turnkey
buyers
that
they
just
want
to
purchase
a
property
completely
done.
They
don't
want
to
do
anything
with
it
and
those
two
will
keep
buyers.
They
tend
to
be
more
like
millennial
buyers.
They
don't
want
to
do
anything.
A
They
want
to
just
get
the
property
ready
to
live
in
then
we
have
the
other
type
of
buyers
with
our.
They
said
that
there's
were
equity
buyers.
Those
type
of
heirs
is
still
they
are
not
willing
to
spend
that
much
money
and
we're
gonna
go
on
the
next
slide
to
show
you
why
they
biggest
when
I
spend.
You
know
a
little
bit
of
money
just
to
get
mine
or
cosmetics,
just
to
made
a
property
more
personalized
for
them
or
personal
for
them
in
their
family,
and
then
we
have
investors
which
are
they
they.
A
The
people
like
me
to
you
know
that
try
to
purchase
properties
are,
you
know,
foreclosed
properties.
Sorry,
oh
bank-owned,
in
order
forum
for
us
to
fix
him
and
flippin,
but
most
of
the
work
that
we
do
like
myself.
It's
not
that
much
work.
You
know.
Basically,
we
just
apply
a
few
cosmetics
here
and
there
you
know
switch
appliances,
pull
granite,
countertops
and
that's
it.
You
know.
So
it's
very
important
that
you
know
your
prospect.
Buyer-
and
this
is
very
important.
Remember
it
doesn't
matter
how
much
money
you
put
into
your
home.
A
So
this
is
the
the
picture
of
the
buyers
available
to
purchase
the
property,
the
tricky
buyers.
It's
only
43%
cosmetic
buyers,
53%
investors
4%.
Now
it's
very
important
cosmetic
buyers.
Statistically
they
only
spend
$4,500
to
improve
the
properties
of
they
just
purchase
right
after
many
days
right
after
they
purchase
a
property,
that's
the
most
that
they
spent
forty
five
hundred
or
so
they
don't
spend
that
much.
Basically,
they
want
the
property.
Also,
you
know
to
be
ready
for
them
to
occupy.
A
A
Now,
who
is
the
prospect
biter?
This
is
really
important.
You
need
to
know
when
you
list
your
property.
What
type
of
financing
virus
are
you're
targeting?
Okay,
conventional
finance,
buyers,
FHA,
VBA,
conventional
Rica
or
203k,
for
you
guys
that
are
not
you
know
familiar
with
these
type
of
investments
or
our
mortgages.
Conventional
buyers
are
the
type
of
IRAs.
Are
you
know?
Their
credit
scores
are
above
650,
okay,
so
those
are
the
type
of
virus
that
have
you
know
good
score,
but
not
that
good,
but
still
enough
to
get
in
qualify
for
a
conventional
loan.
A
Conventional
loan
for
most
buyers
appeal
to
because
conventional
it
carries
a
soft
mortgage
insurance
with
a
decent
credit
or
no
mortgage
insurance
with
excellent
credit
and
most
lenders
they're
willing
to
pay
upfront
50%
of
the
mortgage
insurance
for
the
buyers.
So
a
lot
of
buyers,
they
wanna
go
conventional.
They
get
the
same
benefits
of
an
FHA
without
the
hassle
of
the
mortgage
insurance.
Okay,
now
FHA
buyers.
A
There
are
the
type
of
errors
that
have
a
little
bit
of
a
spotty
credit.
You
know
if
it's
a
virus,
you
know
they
can
get
qualified
for
a
mortgage
with
a
585
code.
So
it's
a
federally
insured
loan
which
allow
buyers
to
qualify
with
a
fully
faulty
credit,
but
it
carries
a
mortgage
insurance
for
the
life
of
the
loan.
A
Okay-
and
they
know
that
you
know
that
it's
something
that
they're
gonna
have
to
pay
for
the
life
of
the
loan,
because,
of
course,
the
lender
wants
to
make
sure
that
they,
the
investment
that
they're
putting
into
the
property,
is
gonna,
be
secured.
Just
in
case
if
the
buyer
defaults
the
mortgage,
but
under
FHA
loan.
You
know
you
need
to
make
sure
that
the
proper
is
ready
for
FHA
buyers,
FHA
buyers
here
in
Bloomington
a
month
for
25
percent
of
the
loans
being
serviced
to
purchase
property.
A
So
we
sell
a
lotta
buyers,
a
lot
of
buyers,
and
you
have
to
understand
that
most
of
those
buyers
they
have
come
through
a
recession,
a
lot
of
those
barriers.
They
have
Dean
credit,
but
they're
still
purchasing
homes
for
FHA
is
very
strict
on
the
on
the
way
they
they
write.
Those
loans,
their
homes
needs
to
be
perfect,
meaning
the
on
on
all
those
homes
are
built
in
1950s
1960s.
A
Otherwise,
the
the
buyer
is
not
going
to
get
financially
finance
approved
for
the
home
and
the
thing
about
it
is
that
once
once
your
home
gets
tagged
with
an
FHA
inspection
deficiency
that
FHA
appraisal
is
going
to
follow
your
home
for
six
months.
So,
even
if
you
cancel
the
purchase
agreement
with
this
buyer,
that
FHA
appraisal
with
those
tags
are
gonna
stay
in
your
property
for
six
months,
it
doesn't
matter
who
the
Linares
Sunset
Beach
is
any
federally
insured
loan
he's
gonna
stay
there.
A
A
A
A
Basically,
what
it
is
is
is
a
rehab
loan.
He
said
it's
a
more
difficult
loan
to
get
approve
of,
especially
since
this
is
an
FHA
loan.
So
what
it
means
is
that
the
buyer
gets
financed
for
the
for
the
dwelling
for
the
property,
but
also
has
to
get
a
secondary
finance
in
FHA
to
fix
the
property.
Okay
and
the
buyer
has
to
have
contractors
ready
with
beads.
They
need
at
least
three
bits
per
contractor,
whether
it's
an
electrician
plumber,
you
name
it.
A
A
There
are
FHA
203k
because
they
can
hold
your
property
under
contract
for
purchase
for
three
months
or
more,
and
if
that
contract
goes
south,
then
you
just
being
wasting
three
hundred
four
months
over
your
time
and
and
and
you
have
to
start
all
over
again
trying
to
get
new
clients
Plus.
On
top
of
that,
if
you
didn't
fix
the
property,
you
know
the
way
FHA
gallons
wanted
it.
You
know
they
can
stick.
You
know
the
property
with
those
red
tags
and
it's
gonna
be
there
on
your
fault.
You
know
only
property
fault
for
six
months.
A
So,
even
if
you
have
another
FHA
buyer,
when
they
do
their
appraised
of
the
pressure
is
going
to
look
at
your
property's
already
been
tough
for
those
repairs
and
they're
gonna
make
sure
that
you
have
fixed
those
filters.
Okay,
all
those
things,
and
also
if
you
have
a
lower
rate,
let's
check
you
know
you
need
to
check
your
mortgage
trader.
Some
of
those
rates
are
assumable,
whether
it's
if
it's
your
convention
and
if
you
have
a
really
low
rate.
A
That's
our
that's
a
big
selling
point
for
your
property,
because
that
means
that
the
new
buyer,
if
it
has
a
credit
to
assume
the
loan,
they
can
assume
the
loan
with
that
with
that
interest
rate.
Okay.
So
it's
really
good
that
you
take
a
look
at
your
writer.
If
you
have
an
FHA
loan
chances
are,
is
up
is
assumable
and
some
of
the
conventional
loans
are
assumable
too
as
well.
A
A
Here
in
Bloomington
we
have
the
TOS
which,
which
is
time
of
cell
inspection.
When
you
decide
to
lease
your
home
for
sale
on
a
market,
you
have
to
get
a
time
of
sale,
meaning
that
the
city
of
Bloomington
is
going
to
send
an
inspector.
You
have
to
already
inspection.
It's
gonna
cost
you
like
hundred
ninety
five
dollars,
something
like
that
and
they
blew
me.
Tony
specter
is
gonna.
Look
at
your
house
and
inspect
your
home,
but
the
only
thing
that
they're
gonna
concentrate
is
on
code
violations.
A
Okay,
they're,
not
gonna,
look
at
your
electrical
system
or
your
plumbing
system
or
your
HVAC
system,
they're
gonna
consider
just
and
code
violations.
If
you
have
any
code
by
you,
lations
they're
gonna
tell
you
need
to
fix
this
disease
in
there.
That's
the
only
thing
that
the
you
know
the
city
of
Bloomington
cares
for
code
violations.
Now,
then,
we
need
to
address
also,
if
you
have
any
open
pyramids
on
the
property
from
previous.
A
Improvements
that
you
were
doing,
you
need
to
close
those
permits,
whether
it's
electrical
you
know
plumbing
HVAC.
We
need
to
close
those
permits,
and
now
we
have
a
Minnesota,
the
the
new
inspection
which
is
not
mandatory,
but
most
buyers
are
getting
their
radon.
Inspection.
Radon
is
a
big
thing
right.
You
know
in
Minnesota,
most
buyers
are
doing
radon
inspections
when
they
purchase
a
home.
Because
radon
is,
you
know,
really
toxic
Maram,
it's
a
poisonous
gas
and
is
more
toxic
than
smoking
cigarettes.
So
everybody
is
doing
radon
inspections.
A
So
my
advice
to
you
before
you
put
your
you
home
for
someone
on
the
market
just
mitigate
all
those
kinks,
because
they're
gonna
come
back
to
you
and
I
always
advise
my
clients.
You
know
not
only
don't
only
rely
on
the
on
the
time
of
selling
inspection.
Do
your
own
private,
private
inspection
before
before
you
put
your
home
for
sale
and
market.
The
reason
being
is
because
the
buyer
who's
gonna
purchase
your
Harmon
is
gonna.
A
Do
their
own
instruction
and
they're
gonna
come
back
at
you
with
those
items
either
you
fix
them
or
they're
gonna
try
to
knock
down.
You
know.
Ten.
Fifteen
twenty
thousand
dollars
of
the
listing
price,
so
my
best
advice
is
you
guys,
take
care
of
all
of
that
beforehand
and
it
looks
even
better
for
the
prospective
buyer
that
you
have
already
take
take.
A
You
know,
take
your
don't
your
due
diligence
used
to
take
care
of
all
those
things
and
you're
being
completely
honest
and
forward,
and
you
disclose,
in
everything,
also
I
use
that
inspection
myself
to
refit
anything
that
the
buyer
might
come
back
on
their
own
private
inspection.
If
the
buyer
comes
back
with
something
about
the
electrical
panel.
Look
here
is
our
own
inspection,
a
challenger
inspector
to
challenge
my
on
on
the
electrical
panel.
We're
not
going
to
fix
this.
A
A
To
me,
the
most
important
thing
is
just
to
fix
all
the
kinks
that
came
up
on
your
inspection,
because
your
kitchen,
my
need,
you
know
some
remodeling,
but
there
are
some
things
that
you
can.
You
know
really
just
leave
it
as
it
is
and
sell
the
property
without
putting
that
much
money
into
a
kitchen
or
a
bathroom
and
stuff
like
that.
You
know
in
this
culture
also
always
disclose.
What's
wrong
with
your
property,
when
you
list
your
property,
you're
gonna
sign,
you
know,
fill
in
the
disclosure
they
service
disclosures,
which
you're
gonna.
A
Let
the
buyer
know
everything
that
you
have
done
with
your
property
as
far
as
repairs
or
things
that
are,
you
know,
be
near
enough
repairs.
You
have
to
let
you
know
the
buyer,
not
because
the
statute,
the
statute
of
limitations
for
lawsuits
in
Minnesota,
is
two
years
after
you
sold
your
home
any
fewer.
A
A
Negotiation
Avinash
on
sell,
meaning
that
once
you
take
care
once
you
have
to
taking
care
of
all
of
that,
you
always
gonna
have
the
upper
hand
when
it
comes
to
selling
your
property
you're
already
prepare.
You
have
medically,
you
know
mitigate
all
the
Kings
everything
that
was
wrong
with
the
property.
You
already
fix
it
and
I'm
talking
about
I'm,
not
talking
about
remodel
in
the
kitchen
I'm,
taking
just
talking
about
mitigating
the
kinks.
If
you
have
any
coal
by
elations
or
the
roof
needs
replacement,
just
replace
the
roof.
A
You
know
those
are
part
of
the
things
that
you
should
be
focusing
on
your
harmony
with
as
a
maintenance.
It's
just
basic
manners
know
your
competition
see
what
potential
buyers
will
see.
Most
buyers
nowadays
believe
me:
they
do
their
research.
They
at
least
twenty
thirty
homes
before
they
decide
to
put
an
offer
on
yours
before
they
decide
on
your
home
is
because
they
have
already
looked
at
least
three
homes,
whether
it's
on
the
internet
or
physically,
and
they
know
what
they
want.
They
know
exactly
what
they
want.
A
See
the
active
homes
on
the
market
around
your
neighborhood.
If
you
you
can
don't
you
know
download
my
my
my
app,
you
can
test
me.
Your
phone
number
and
I
can
send
you
the
link
for
the
app.
This
will
allow
you
to
see
all
the
homes
that
are
on
your
neighborhood
and
also
see
you
know
all
the
listing
information
and
everything
which
is
a
very
useful
to
visit.
A
A
A
A
I
have
no
service,
but
if
it
takes
me
with
this
stuff,
you
can
you
can
you
can
see
all
the
homes
are
for
sell
on
the
neighborhood
click
on
the
home,
you
can
see
the
whole
listing
information
pictures
of
the
home
inside
and
out.
Everything
is
really
neat.
Really
really
neat
now
get
a
broker
market
market
analysis
opinion.
This
is
very
important.
A
Have
your
broker
your
real
estate
agent,
to
give
you
a
price
opinion
of
your
property,
as
is
before
you
fix
it
and
then
one
after
ok,
it's
really
important
that
you
get
to
know
how
much
a
property's
worth
the
way
it
is.
First
before
you
try
to
sink
in
any
money.
Okay-
and
also
you
know,
get
them
to
give
us
suggest
a
list
of
home
improvements
that
you
can
do.
That's
what
I
do
with
all
my
clients.
I
give
me
a
loss.
You
know
every
time
that
I
go
in
see
their
their
properties
always
sold.
A
You
know
you
need
to
fix
this.
You
need
to
think
that,
because
I'm
already
thinking
I'm
already
thinking,
you
know
what
type
of
a
buyer's
I
want
to
target
this
property
with
and
I
want
to
target
conventional
buyers.
I
wanna
target
FHA
I
want
to
target
the
VA.
You
know
the
more
buyers
I
have
you
know
available
for
that
property.
They
said
you
know
the
faster
I
can
sell
the
property,
the
more
money
I
can
get
for
the
property.
A
A
Before
you
start
doing
anything
your
property,
what
you
know
what
I
always
I'd
advise
my
clients.
You
just
start
packing,
get
rid
of
all
the
clutter
and
make
make
room
for
you
to
start
working
on
your
home.
In
the
end,
I
mean
you're.
Gonna
have
to
do
you
know
of
that
work
sooner
or
later,
so,
better
start
packing
and.
A
Have
an
open,
you
know
their
room
open
so
that
you
can
paint
you
can
do
all
the
world
on
it.
That
needs
to
be
done
without
having
all
that
clutter
and
also
I
always
have
I'm
at
you
know
tell
me
class,
if
you
can,
you
know,
spend
you
know
a
few
hundred
dollars
at
Home
Depot
luminaries
and
get
some
shelving
units
that
you
can
put
on
your
garage
to
pack
up
all
the
boxes
and
everything
I'll
leave
off
Shelby
units,
their
buyers,
love
space,
a
storage,
space,
writers,
love.
A
So
once
they
see
that
on
the
garage
they
have
some
shelving
units
for
storage,
they'll,
love
it
and
also
he's
gonna
help
you
just
to
get
rid
of
all
the
clutter
instead
of
your
house
and
just
put
her
on
the
garage
you
know
and
and
and
says
you
some
money
from
renting
our
storage
or
one
of
those
parts.
Just
use
use
your
garage,
so
you
can
store
everything
in
there
now
we
person
differ
and
different
maintenance.
A
Priorities,
inspection
deficiencies
is
really
important.
All
the
inspection
deficiencies
they
need
to
be
addressed
first
before
you
move
into
anything
else.
Okay,
if
you
have
any
radon
on
your
home
once
you,
you
know,
you
have
the
results
on
inspection
get
rid
of
the
rater.
You
know
you
have
to
meet
to
do
a
radon
mitigation.
It's
going
to
you
about
$550,
to
do
the
radome
irrigation
and
about
three
days,
but
believe
me,
you're
gonna
have
to
do
it.
I.
A
A
People
care
for
that
la
if
you
have
any
broken
furnace
or
a/c
fix
it,
the
roof
if
he
needs
repair,
if
he's
in
really
poor
conditions,
trust
me
you're,
gonna,
get
tagged,
I
mean
they're.
Gonna
tell
you,
you
know
what,
though
I'm
gonna
knock
down
ten
fifteen
twenty
thousand
dollars
of
the
purchaser
I
mean
just
to
replace
the
roof.
Okay
and
for
a
property
that
is
about
2,000
square
feet.
A
It's
probably
gonna
cost
you
like
a
G's
to
replace
the
roof
and
buyers
are
gonna,
always
try
to
negotiate
lower
more
than
that
holes
in
the
walls
just
patch
all
the
holes
in
the
walls.
All
the
doors
are
not
functioning.
Well,
let's,
let's,
let's
fix
him.
The
electrical
H
HVAC
employment
make
sure
that
your
HVAC
system,
your
furnace,
has
been
inspected
and
make
sure
that
it
has
the
tag.
The
inspector
tags
right
there,
because
the
the
the
the
home
buyer
inspector
is
gonna.
A
Look
at
those
times
when
was
the
last
time
that
a
furnace
got
inspected.
So,
if
he's
been
inspected
in
the
furnace
system,
work
and
good
working
condition,
it
doesn't
matter.
The
furnace
is
Tony
your
stall.
As
long
as
the
furnace
is,
you
know,
ticking
like
a
Swiss
clock,
just
leave
it,
it
works
if
the
air
condition
is
been
inspected
and
it's
an
older
condition
and
15
years
old
just
leave
it.
It
works.
You
don't
have
to
replace
it.
A
Oh
and
also
this
very
plan
on
providing
a
home
warranty,
most
first-time
homebuyers
and
empty
nesters,
which
are
the
the
biggest
pool
of
buyers
given
in
Bloomington,
for
some
reason
is
first-time
homebuyers
and
empty
nesters,
and
there
are
downsizing
from
a
bigger
home
to
a
smaller
home.
They
want
a
home,
a
home
warranty
for
the
for
the
home.
They
don't
want
to
deal
with
it
any
any
day.
A
Any
issues
on
the
on
the
h
back
on
the
air
conditioning
or
the
furnace
or
the
water
heater
or
the
appliances
plan
on
getting
a
home
warranty
is
gonna.
Cost
you
about
$350
for
a
one
year
home
warranty
but
you're,
giving
the
you
know
the
buyer,
a
peace
of
mind
that
you
know
something
happens.
There
are
no
I
mean
don't
have
to
spend
any
money
on
them.
A
A
A
Remember
buyers
nowadays
they
want,
especially
through
some
homers
day
one.
You
know,
I'll
list
the
areas
of
the
house
where
the
family
gathers,
which
is
the
kitchen.
They
want
the
kitchen
to
be
completely
up
there.
They
want
granite
countertops,
they
wanted,
they
did
the
tile
backsplash.
They
won
the
a
solid
steel
sink.
They
want,
they
sterling
steel
appliances.
A
They
want
the
nice
light
fixtures.
They
want
all
that
body
feel
if
your
kitchen
does
any
damage
improvement,
then
just
focus
into
on
where
you
have
focus
on
the
cabinets
that
you
have
just
replacing
the
hardware
and
the
cabinets
just
repaint
the
cabinets.
You
know
replace
the
hardware
if
the
kitchen
has
one
of
those
formica
countertops
okay
and
it's
a
nice.
A
If
one
of
us
all
from
metal
countertops,
you
can
either
choose
from
shiny
in
the
character
fro
to
a
butcher
block
countertop
with
one
of
those
would
butcher
block
characters
which
are
a
little
bit
cheaper
or
replacing
the
for
American
who
the
brand
new.
You
know,
Formica
with
that
with
a
you
know,
new
style
of
:
that
will
that
will
help
your
lap.
A
If
you
want
to
go
with
granite,
countertops
and
backsplash,
you
know
in
average
a
kitchen
that
is
been
a.
You
know,
updated.
It's
gonna,
give
you
a
list
fifteen
to
twenty
thousand
dollars
more
on
the
resolve
out
of
your
home,
but
then
again
I
mean
you
have
you
have
to
know
where
to
apply
that
money?
A
If
the
kitchen
needs
a
completely
overhaul,
where
you
need
to
tear
down
cabinets
and
get
rid
of
all
the
countertops
and
get
rid
of
the
linoleum
on
the
floor,
and
you
want
to
put
like
hardwood
floor
or
tile
I'll
say
you
know
his
Bloomington
is
now
he's
not
a
market
for
that
he's.
Not
gonna
he's
not
gonna
pay
up.
Okay,
so
you
need
to
know,
and
you
need
to
have
a
a
real
estate
agent.
That
knows,
the
market
does
want
to
pay
off
further.
Okay
me
and
my
home
in
Bloomington,
Oligocene
enemies.
A
Bloomington
I
have
the
linoleum
on
my
floor
holla.
If
it
is
just
replace
the
linoleum
I
mean
I,
wasn't
gonna
pull
and
you
know
tile
or
hardwood
floors,
because
I
know
when
I
sell
the
property
I'm
not
gonna,
get
the
money
back.
I
did
replace
the
countertop.
I
did
pull
granite
and
backsplash,
but
I
keep
the
existing
cabinets.
I
kept
the
16
cabinets.
A
All
I
did
is
just
replace
the
hardware
on
all
the
cabinets
in
painting
and
paint
the
whole
kitchen
by
the
way
and
put
a
nice
like
you
know,
nice
light
fixtures
and
fixtures,
and
everything
in
that
said.
You
know
because
I
know
that
that
was
gonna
increase.
You
know
the
body
of
my
property
and
not
drain
my
pocket.
You
know
and
lose
that
money
because
putting
our
floors
on
my
kitchen
or
expensive
tile,
I'm
not
gonna,
get
that
money
back
okay
and
in
Bloomington,
especially
if
Bloomington
the
kitchens
are
not
that
big.
A
You
know
there
are
small
kitchens.
They
are
not
that
big,
so
don't
spend
that
much
money,
okay,
people
that
are
buying
in
East
Bloomington
and
was
born.
They
already
know
what
to
expect
there.
They
already
know
the
style
of
construction,
most
East
Bloomington,
aber
whose
arias
you
know
those
Ramblers
two-car
garage,
three
bedrooms,
one
a
hot
bath,
two
baths:
they
already
know
what
looks
better.
Okay,
oh
so.
A
To
keep
the
more
simple
you
know,
you
can
keep
the
cameras
clear
of
clutter
new
appliances.
If
you
need
to,
if
you
have
really
out
there
appliances
from
the
70s,
changing
changing,
ok,
get
matching
appliances,
stainless
steel
appliances,
you
can
go
to
appliance,
Mart,
I,
have
purchase
appliance
up
our
appliance
by
a
brand
new.
They
may
have
a
ding
here
or
there
what
I
preaches
in
pro-league
20%
40%
of
the
whittle
Bali.
You
know,
granite
counters,
there's
a
good
banner
that
I
like
to
recommend
and
it's
called
twin
city
discount
granny.
A
They
they
they're
fairly
cheap
on
the
chronic
prices
so
and
they
don't
install
everything
for
you
all
of
them.
Up.
Take
cabinet
hardware,
like
I,
told
you
update,
not
non-obtrusive
like
features
and
eating
kitchens.
So
those
are
things
that
you
can
do
working
with
the
existing
canvas
that
you
have
on
your
kitchen
and
just
you
know,
wrap
you
know
ramp
it
up
a
little
bathrooms.
The
same
thing.
You
can
eat
a
lot
of
your
money
and
you
need
to
know
what
the
market
standards
are
for.
A
You
know
for
bottom,
so
again,
I
mean
you
need
to
through
some
properties.
So
you
can
see
what
people
are
doing
on
the
on
the
bathrooms,
especially
on
the
on
the
basement.
Bathroom
most
people
are
completely
overhauling
and
updating
the
best
man
bathroom
some
properties
here
in
Bloomington.
They
are
doing
a
completely
brand
new
bathroom
and
that's
a
huge
selling
point
I
did
that
in
my
home
running
bathroom
everything
I
just
got
it
everything
everything
and
I
made.
A
Did
it
the
whole
thing
running
I
know
that
there's
gonna
be
a
good
selling
point
on
my
home.
You
know,
but
then
again
I
mean
you
have
you
have
to
to
to
to
know
where
to
apply
your
money.
If
your
basement
is
not
finished
and
you
and
you
have
as
long
as
you
have
a
clean,
basement,
unfinished
clean
basement,
and
you
have
two
three
bedrooms
upstairs
one
one,
one
bathroom
one
and
half
bathroom,
let's
just
market
you
properly
like
that
and
let
the
new
owner
you
know
finish
your
basement:
they
the
way
they
want
it.
A
You
don't
need
to
do
your
best
man,
so
they
again,
you
can
work
with
what
you
have.
You
know:
spot
clean
and
uncluttered
the
bathrooms
paneer
shower
curtains,
new
likes
light
fixtures.
New
mirrors
update
the
binary
counter.
All
of
us
so
just
try
to
make
it
more
appeal
of
a
more
chic.
If
you
come
in
your
bathroom.
This
is
one
thing:
if
you
have
on
your
bathroom
upstairs
they
all
60s,
50s
70
tile
on
your
bathroom,
don't
paint
over
it.
A
If
you
don't
want
to
put
like
you
know,
replace
the
tile
prop
put
brand-new
tile,
you
know,
repaint
everything
change,
you
know
the
showerhead
everything
and
put
granny.
You
know
on
the
on
this
thing,
get
a
new
sink
stand
everything!
If
you
don't
want
to
do
all
that,
you
want
to
save
some
money.
You
just
use
what
you
have
on
your
bathroom.
If
you
have
tile
because
I
know
most
homes
in
Bloomington,
they
have
this
5060
tile.
A
That
is
like
pink,
color
or
yellow
color,
don't
paint
over
the
tile
people
hate
them
just
leave
the
tile
the
way
it
is
just
clean,
the
tile
completely
Andry
grout
it.
So
it
looks
like
you,
deterrent
purpose
and
try
to
choose
a
better
color
for
the
walls,
so
that
you
can
offset
the
color
of
the
tile
so
that
it
looks
that
you
did
on
purpose
in
concentrate
better
and
just
put
in
a
brand
brand
new
light
fixture
and
clean.
A
They
are
they
sink
or
you
can
go
to
go
to
Home
Depot
and
get
a
brand-new
brand-new
sink.
That
is
gonna
cost
like
$300
and
just
put
it
there.
You
know-
and
that's
it
you,
you
know,
revamp
your
your
bathroom.
This
looks
nice
paint.
This
is
this
is
the
number
one
objection
for
all
homebuyers
paint
I
have
how
I
have
had
a
lot
of
clients
walking
away
from
a
perfect
property.
A
A
A
And
choose
this
type
of
color
just
to
accessorize.
You
know
the
couch,
the
pillows
pillows,
so
you
can
offset
a
little
bit
a
neutral,
the
neutral
color
and
it
will
look
nice.
Believe
me.
It
will
look
nice
most
buyers
that
they
see
these
type
of
colors
on
the
property
they
were
wow.
This
is
really
nice.
Look.
It
looks
like
a
spa.
You
know
so
stay
away
from
bright
colors.
You
know
had
a
buyer
that
took
him
to
see
this
property
in
Edina,
beautiful
property
hotel,
but
the
dining
room
had
this.
A
A
A
Again,
keeping
your
home
a
good
curb
appeal
is
gonna.
Is
it's
gonna
go
a
long
way
when
it
comes
down
to
price
in
your
home?
Believe
me,
a
curb
appeal
is
extremely
important.
You
know,
because,
as
soon
as
the
client,
the
prospect
buyer
sees
that
the
home
they
already
imagine
what
interior
is
gonna
be
robbery.
They
already
know
that
if
you
were
there,
if
it
took
that
time
to
take,
take
take
care
of
the
curb
appeal
they
know
the
interior
is
gonna,
be
nice
as
well.
Okay,.
A
Nor,
if
stains
in
car,
apparel
or
linoleum,
if
you,
if
you
have
any
of
that,
try
to
fix
it.
Okay,
you
need
to
change
the
whole
carpet.
You
can
hire
a
professional
to
clean
and
we
stretch
the
carpet
horrible
floors.
Try
to
get
them
finished
on
a
on
a
soft
shine.
Now
one
of
the
top
portion
that
is
gonna.
A
A
This
is
something
that
we
offer
I
offer
to
all
my
clients,
free
pre
market,
home
inspection
report.
So
the
reason
why
you
do
that
also
is
because
he
helps
me
as
a
listing
broker
to
have
all
the
tools
necessary
to
solve
your
problem.
Okay,
I!
Don't
want
any
surprises
from
the
buyer.
You
know
to
come
up
with
their
own
inspection
and
being
blind
blindsided
were
you
know
we
weren't
prepared
for
that.
A
So
I
tried
to
offer
to
all
my
clients,
free
premark,
a
home
inspection,
fully
list
of
suggested
repairs
and
improvements,
and
a
suite
of
professional.
You
know
photographer
and
mediator
is
very
important
to
have
their
right
pictures
for
your
home
on
the
market.
A
picture
tell
a
story,
that's
how
they
get
does
how
they
get
the
appointments
for
your
house,
booked
on
MLS
I'm
Boka,
showing
if
the
client,
the
prospect
buyer
sees
the
property.
You
know
that
the
pictures
nice
pictures
on
your
property
with
nice
finishes.
That's
how
they're
gonna
book
the
lead.
A
You
know
the
the
appointment
to
see
the
property,
so
I
offer
this
for
free
with
a
listing
agreement.
And,
of
course,
you
know
are
your
pricing
analysis
and
a
compromise
come
to
is
free
with
no
obligation
before
you
decide
to.
You
know
what
to
do
with
your
property.
Okay,
and
if
you
have
any
questions,
all
feel
free
feel
free
to
go
ahead.
A
It's
a
lot.
It
is
yeah,
it
is
yeah
yeah
yeah,
the
others.
You
know
you
know
radon
is
everywhere
not
just
in
his
he's,
not
just
in
Bloomington,
but
remember.
The
Bloomington
Bloomington
is
sitting
on
top
of
a
huge
aquifer.
I
think
is
the
biggest
aquifer.
I
think
Bloomington
is
sitting
on
top
of
the
biggest
aquifer
in
the
Twin
Cities,
if
I'm
not
mistaken.
So
all
the
pressure
from
you
know
also
from
the
aquifer,
plus
all
the
dead
trees.
You
know.
A
A
Mean
Essaouira
think
it's
it's
it's
all
over.
It's
all
over.
You
know,
but
yeah,
it's
it's
if
you're
gonna
do
pretty
home
inspection
for
your
home
to
their
radon
inspection
altogether,
the
the
home
inspection
for
your
home,
plus
the
radon
inspection
is
gonna
cost
you
about
550.
If
you
have
radon
on
your
home,
it's
gonna
cost
you
another
five
fifty
to
mitigate,
but
you
know
all
properties
have
radon.
Let
let
me
be
clear:
all-purpose
Quran
is
just
that
the
radon
levels
levels
need
to
be
I.
A
A
This
is
the
home
inspector,
is
gonna
charge
a
350
for
the
home
inspection
plus
it
was
150
to
do
the
radon
test.
So
it's
about
500,
550,
okay,
the
home
inspector.
You
can
hire
any
inspector.
You
want,
okay,
but
but
that's,
but
that's
about
the
price
that
you
know
they
go
okay
and
to
mitigate
their
rhythm.
You're.
Gonna
have
to
hire
a
radon
mitigation.
Company
is
probably
how
much
they
charge
you
550.
A
A
Clients,
Tenten,
you
know,
notice
on
houses,
is
dead,
trees
or
trees
that
have
some
sort
of
parasite
or
whatever
you
know.
If
they're
all
trees,
you
run
the
race
due
to
get
the
buyer.
To
tell
you
know,
remove
the
tree,
you
know,
but
he
can.
He
can
get
really
expensive
and
in
my
humming
in
his
Bloomington
I
have
one
of
those
big
tall
trees.
A
You
know,
I
have
a
couple:
maple
trees,
they're
huge
I,
got
lucky
that
Xcel
Energy
tagged
my
trees
for
removal
because
they
are
so
close
for
the
food
to
the
power
line
and
they're
all
tree,
so
they're
gonna,
remember,
but
otherwise.
I
was
looking
to
spend
about
nine
thousand
dollars
to
remove
the
trees.
A
A
Pose
to
replace
the
sighting,
no
no
sighting
and
roof
art,
you
know
basically
deferred
maintenance.
It's
just
me
knows
that
you
have
to
do
you
know
I
mean
there's.
No,
that's
a
good
market
for
me
that
you
can
that
I
will
certainly
use
you
know
brand
new
siding.
A
rate
of
return
is
new
windows,
energy
efficiency,
windows,
doors,
sliding
doors.
You
know
in
my
house,
I'd,
replace
everything.
All
the
windows
and
doors
are
replacing.
You
know
I
had
it,
they
all
wood
windows
and
doors
that
you
know
they.
A
They
they
type
that
you
know
you
know.
On
winter,
you
get
some
so
much
condensation
that
they
get
salty
shot
with
the
frost
and
ice
and
everything
you
cannot
open
forever.
So
I
replace
everything
that
yeah
that
that
that's
a
a
returning
business,
okay,
but
because
that's
not
ready
for
maintenance.
That's
an
upgrade!
Okay
for
the
windows
and
roof
I
mean
a
siding
and
roof
gutters
soffit
fascia.
A
Oh,
oh
yeah,
well
with
their
several
I,
mean
there's
Pella
windows,
yeah
yeah
in
a
navy
when,
with
a
particular
one
and
I
didn't
brought
the
the
information
they're,
really
good,
they're,
really
good
and
I
can
I
can
I
can
give
you
the
information.
If
you
give
me
your
phone
number
and
I'll
Holly
my
email,
you
their
information,
oh
they're,
really
good.
A
A
A
A
The
Fed
wants
to
make
sure
that
if
the
buyer
ever
defaults
on
the
mortgage,
there
are
going
to
be
able
to
activate
insurance
in
case
they
have,
to
you,
know,
short,
sell
the
property,
but
they
put
an
FHA.
The
the
the
mortgage
is
usually
you
know,
stick
on.
You
know
on
the
right
of
the
marriage
for
the
life
hold
on
conventional.
However,
you
know
they'll
get
rid
of
the
mortgage
insurance
once
you
pay
up
twenty
percent
of
the
law.
That's
conventional
gas!
Commission!
That's
why
most
buyers
that
they
have
decent
credit.
A
They
want
to
go
conventional
because
they
get
to.
You
know
the
same
grade
or
better
than
than
FHA,
but
they
don't
have
to
stick
with
it
with
it
with
ami,
for
you
know,
for
the
life
of
the
loan
and
some
lenders,
they're
willing
to
pay
upfront
50%
of
the
MI,
and
when
you
close,
you
can
pay,
you
know
you
can
pay
off
from
the
other.
Fifty
percent
or
just
write
it.
You
know
until
you
pay
up
20
percent
of
your
loan
and
though,
and
they'll
they'll
automatically
they'll,
take
it
off
twenty
percent.
A
You
know
20
be
20
percent
equity
to
represent
it
doesn't
matter.
If
it
does,
it
doesn't
matter
if
you,
if
you,
whichever
occurs
first,
whether
whether
you
pay
up
twenty
percent
of
the
mortgage
or
you
have
20
percent
for
a
whichever
occurs.
First,
okay,
you
can
have
a
professional
appraiser
to
appraise
your
property
and
submit
their
pressure
to
the
lender
and
that's
a
you
know:
I
mean
if
you
borrow
a
hundred
thirty
thousand
dollars,
even
if
you
own
any
thousand
dollars
build
properties
worth
one
hundred
three
hundred
forty
knots.