This is for the how class. I am looking for  someone in the real estate. I will give all classes up front and you can do them all or do them by the week but each week will be need on friday. I will post quiz and you will have only 24hours to post answers back. if not then no payment will be given and contract will be voided. I will go into more detail once i have selected some one. Again if not in the real estate please do not contact me. You will mess up any future chances.

I will pay a bonus if work is done by feb 13 2016

Discussions To participate in the following discussions, go to this week’s Discussion link in the left navigation.

1. Real Estate Production   Real estate construction is a volatile process determined by the interaction of the user and capital markets. What signals do real estate producers use to manage this process? What other factors affect the volatility of real estate production? Respond substantively to at least two of your classmates’ posts.  

2. Real Estate Agents View, The Man Selling Billions In Real Estate . Discuss three of the most important qualities a real estate agent must possess to succeed in real estate according to Cortazzo. Can agents succeed without these qualities? Support your response with information from Cortazzo’s interview. Respond to at least two of your classmates’ posts.

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Text

1. Chapter 4: Government Controls and Real Estate Markets

2. Chapter 7: Valuation Using the Sales Comparison and Cost Approach 

3. Chapter 8: Valuation Using the Income Approach

Article

1. Riddel, M. (2011). Are housing bubbles contagious?  A case study of Las Vegas and Los Angeles home prices. Land Economics, 87(1), 126-144. Retrieved from EBSCOhost database.

Multimedia

1. Wall Street Journal. (2011, October). California and the banks [Video file]. Retrieved from http://online.wsj.com/video/opinion-california-and-the-banks/24E3E2DA-EBA9-4BB1-95DA-ED2C09817BA9.html

2. Wall Street Journal. (2011, June). Markets hub: Bad mortgages weigh on banks [Video file]. Retrieved from http://online.wsj.com/video/markets-hub-bad-mortgages-weigh-on-banks/431F472C-8299-4789-94EB-1F113526C4C8.html

Recommended Readings 

1. Seiler, M.J., Seiler, V. L., Harrison, D. M. and Luchtenberg, K. F. (2009). The role of profit, law and ethics in residential real estate investments.  Journal of Real Estate Practice and Education, 12 (2), 157-171.

2. Brinkmann, J. (2009). Putting ethics on the agenda for real estate agents. Journal of Business Ethics, 88, 65-82. 

Discussions To participate in the following discussions, go to this week’s Discussion link in the left navigation.

1. Property Tax   The property tax has been criticized as an unfair basis for financing public schools. Areas that have high property values are able to pay better schools than area having lower property values.  Thus, there is an inequality of educational opportunities that tends to perpetuate educational and social disadvantages for those who live in low-income areas.

Do you agree or disagree? How could school financing be modified to provide more equal funding among all regions of a state? Respond substantively to at least two of your classmates’ posts.  

2. Zoning & Property Value Discussion    The main argument traditionally advanced in the favor of zoning is that it protects property values.  Do you believe this contention? If so, how does zoning protect property values?  If you do not believe the contention, why not? Respond substantively to at least two of your classmates’ posts.

Quiz To complete the following quiz, go to this week’s Quiz link in the left navigation.

Week Two Quiz This quiz consists of 10 questions. The amount of time the quiz will take to complete will vary by individual.

Assignment To complete the following assignment, go to this week’s Assignment link in the left navigation.

Case Study Read the case study: “Are Housing Bubbles Contagious? A Case Study of Las Vegas and Los Angeles Home Prices” and watch the supplemental videos: California and the Banks Markets Hub: Bad Mortgages Weigh on Banks In a three- to four-page paper (not including the title and reference pages), develop an analysis that includes:

a. A summary of the case including the key players and background information.

b. A description of the scope of real estate bubbles. (Are housing bubbles contagious?)

c. An analysis of the real estate bubble issue and ethical considerations.

d. At least one recommendation on how the real estate industry, homebuyers, and other stakeholders can help in avoiding real estate bubbles. Real estate principles must be used as support.

You are encouraged to incorporate course material and additional readings (i.e., journal articles, books, etc.) into your analysis to strengthen the content of your paper. Your paper must be formatted according to APA style as outlined in the Ashford Writing Center and include at least two scholarly sources in addition to the textbook.

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Recommended Readings

Karikari, J. a. Voicu, I. and  Fang, I. (2011). FHA vs subprime mortgage originations: Is FHA the answer to subprime lending? Journal of Real Estate Finance and Economics, 43, 441-458.

Discussions To participate in the following discussions, go to this week’s Discussion link in the left navigation.

Foreclosure For your own state, determine whether:

1. It is a judicial or nonjudicial foreclosure state

2. The standard home loan is based on a deed of trust or a mortgage.

3. There is a statutory right of redemption and, if so, how long.

4. Deficiency judgments are allowed against defaulted homeowners.

Based on this information, can you judge whether your state is relatively lender friendly or borrower friendly? Explain. For assistance answering these questions, please use foreclosureassistance.com and foreclosures.com. Respond to at least two of your classmates’ posts. 

Real Estate Broker & Marketing   How do you think the real estate marketing function will change in the future? Do you believe real estate brokers will play a more important or a less important role in the selling and buying process? Why? Respond to at least two of your classmates’ posts.

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Discussions To participate in the following discussions, go to this week’s Discussion link in the left navigation.

Financing   Please give three examples of upfront financing costs associated with residential mortgage.  Next, what rule can one apply to determine if a settlement (closing) cost should be included in the calculation of the effective borrowing cost? Respond to at least two of your classmates’ posts.   

Mortgage Borrowing   A homeowner is attempting to decide between a 15 year mortgage loan at 5.5 percent and a 30 year loan at 5.9 percent.  What would you advise? What would you advise if the borrower also has a large amount of credit card debt outstanding at a rate of 15 percent? Respond to at least two of your classmates’ posts.

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Discussions To participate in the following discussions, go to this week’s Discussion link in the left navigation.

1. Financial Risk & Leverage

Please answer the following questions on financial leverage, value and return:

1. Define financial risk.

2. Should the investor select the origination LTV that maximizes the expected return on equity? Explain why or why not. 

3. Distinguish between recourse and nonrecourse financing. Give an example of each. 

Respond to at least two of your classmates’ posts.   2. Owners, Tenants & Leases   What factors tend to make both owners and tenants prefer longer-term leases, all else being equal?  Why might a tenant prefer a lease with a higher effective rent than an alternative leases with a lower effective rent? Respond to at least two of your classmates’ posts.

Final Paper To complete the following assignment, go to this week’s Final Paper links in the left navigation. The Final Paper should demonstrate a basic understanding of ethics in real estate, legal aspects of real estate, financial aspects of real estate, real estate and the economy, and the real estate valuation process. This essay should demonstrate your understanding of the course concepts as well as the implications of new knowledge of real estate principles. The focus of the Final Paper requires that you synthesize your learning and reflection in the context of the course outcomes.

Focus of the Final Paper

Submit an eight- to ten- page paper (not including the title and reference pages) on one of the topics below. You must integrate readings, class discussions, work/life experiences, and what you have learned about real estate principles.

· Subprime Lending

· Appraisal Industry

· Mortgage Industry

· Land Use in the United States

· Eminent Domain

· Property Tax and the Real Estate Market

· Foreclosures and the Real Estate Market

· Government Mortgage Programs (Fannie Mae; Freddie Mac; FHA; VA)

· Insurance and the Real Estate Market

· Mortgage Bankers

· Mortgage Brokers

· Real Estate Agent/Brokers

· Building Industry

· Home Mortgage Lending

· Mortgage Backed Securities

· REIT (Real Estate Investment Trusts)

· Taxes and Real Estate

· Real Estate Developers and the Real Estate Market

The paper must address each of the following and its impact on your chosen topic:

a. Describe the importance of ethics in real estate.

b. Discuss legal analysis in real estate including property rights.

c. Explain the financial aspects of real estate.

d. Evaluate real estate market dynamics.

e. Discuss the real estate valuation process. 

Research

Students must incorporate at least five scholarly sources; two sources must be journals in addition to the text. Students should consider using the websites that are listed as recommended reading for this course as well as other credible sources from the Ashford University’s Library databases that may support their writing.

Writing the Final Paper

The Final Paper:

1. Must be eight to ten double-spaced pages in length (not including the title and reference pages), and formatted according to APA style as outlined in the Ashford Writing Center.

2. Must include a title page with the following:

· Title of paper

· Student’s name

· Course name and number

· Instructor’s name

· Date submitted

3. Must begin with an introductory paragraph that has a succinct thesis statement.

4. Must address the topic of the paper with critical thought.

5. Must end with a conclusion that reaffirms your thesis.

6. Must use at least five scholarly sources; two sources must be journals in addition to the text.

7. Must document all sources in APA style, as outlined in the Ashford Writing Center.

8. Must include a separate reference page, formatted according to APA style as outlined in the Ashford Writing Center.

*Note: Students should be aware that Ashford University instructors may utilize anti-plagiarism resources to determine the originality of submitted written work. These tools compare students’ work with texts available in internal databases and through Internet searches.