Capistrano Beach, CA

Even in paradise, we get periodic reminders that the forces of nature are stronger than we are. The power of the ocean has to be respected at all times, even as we revel in its beauty.

A winter storm in New Zealand has brought excitement and danger to south Orange County beaches this week. Swells up to 20 feet and strong rip currents have resulted in the death of a 24-year-old man in Huntington Beach, as well as the shipwreck of a drug cartel boat further north near Malibu.

The high surf warning will expire at 5pm this evening. More normal surf conditions are expected over the Labor Day weekend, along with our trademark perfect weather.

Enjoy the long weekend! I will see you on the beach trail!

If you do, I am sure that you are aware that next Wednesday, September 7, is the big day! Are you ready?

Even if you are not emotionally ready, you still need to stock your little cutie-pie with all of the items on the school supply list for kindergartners.

Just in case you haven't gotten around to this yet, I am attaching the list at the bottom of this post. Be forewarned, the school supplies at your favorite store can empty out fast at this time of year, so try to get there early!

Here is the list of supplies requested for kindergartners at Palisades Elementary in Capo Beach. Everything needs to be clearly labeled with your child's name.

• 1 package of good quality handheld erasers
• Crayola brand colored pencils (12 or 24)
• 10-12 small glue sticks(Scotch brand is recommended)
• 1 dozen #2 Ticonderoga/beginning pencils with eraser
• 2 Boxes of Crayola brand crayons (16 or 24)
• 1 ream colored copy paper
• Standard size backpack (with your child’s name printed on the inside)

In today's market it is often times difficult to get financing, particularly on high end properties. I am a Realtor who specializes in beach front property in South Orange County, Capistrano Beach to be more specific. There is one way to get around lending constraints and that is a real estate transaction structured with Seller Carry-back Financing. Seller Carry-back financing is when a homeowner takes a portion of their equity and uses it to act as a second lender.

Seller Carry-back Financing typically only happens in 1-2% of real estate transactions. However, I work specifically with an area in which 15-20% of the transactions include Seller Carry-back Financing. I was recently involved in one, on Beach Road in Capistrano Beach, California. The property sold for 3.2 Million and of that 1.7 Million the seller Carried Back. We structured the transaction so that the seller would get 5% on this money over a 5 year term. I have been involved in many of these transactions and they have several benefits, some of which include:

Payment of Capital Gains Dispersed

Because there is not a large lump sum of profit, the full Capital Gains are not paid all at once. The seller will pay Capital Gains only as they receive the revenue.

Better Than Average Interest Rate

ROI- Better than Average Interest Rate on Return

Some Bank accounts have as little as a 1% return rate. The interest rate can vary per deal, but usually it is upward of 5%. Why make 1% on your money when you can make 5%?

No Appraisal Required

Often times an appraisal can be a deal killer. If the buyer and seller agree on a price, but the lender does not think the property is worth that much the loan will be denied. With Seller Carry-back Financing an appraisal is not required like it is on a standard kind of loan.

Money Saved

With Seller Carry-back Financing money can be saved in several places. There is not the cost of the appraisal. With the high end transactions I am used to dealing with the appraisal is typically around $1000. There is also no title policy required on the lender side. A title policy will still be required for the seller, but not a concurrent lender policy.

Termite Work- Optional

If there is termite work that needs done on a house the lender will require that this be done before the close of escrow. With Seller Carry-back Financing Termite Work can be requested, but is not mandatory.

If you would like more information on structuring real estate transactions with Seller Carry-back Financing or are interested in viewing some listings I have that are offering this, then please don't hesitate to call or e-mail me.

35165 Beach Rd Capistrano Beach, CA

HOME FOR SALE IN CAPO BEACH

It's time to BUY in Capo Beach~ BUY IN CAPO BEACH - It currently is an adjoining 3 bedroom, 2 bathroom homes on a very large lot with parking for 6-8 cars. 2 Bedrooms on the with a view that is amazing. One side renovated in 2008 and one side renovated in 2005. Extensive exterior work completed in 2010. Lots of options can include use as one home, use one side and rent the other, rent both sides or tear down and build a beautiful new home on one of the largest lots on Beach Road. Fully furnished with all furniture and utensils and nice beach furniture. All you have to do is bring your wardrobe. This is the best value to come on Bach Road in years! Located in the exclusive gated guard, community of Capistrano Beach. Private road and quiet private beach ensure total peace and quiet.... 35165 Beach Rd Capistrano Beach, CA

CALL LAUREN SELINSKY FOR A PRIVATE SHOWING OF 35165 BEACH RD CAPISTRANO BEACH, CA 92624 HOME FOR SALE IN CAPO BEACH READY FOR YOU TO BUY NOW! WHAT ARE YOU WAITING FOR? PRIVATE, OCEAN FRONT PROPERTY~ CAN'T GET BETTER THAN THIS........ BUY IN CAPO BEACH

FOR SALE:

35165 Beach Rd Capistrano Beach, CA

I found myself at loose ends this weekend, so I decided to visit open houses in my area. My purpose was to learn more about the neighborhood, but what I got was another type of education - the chance to see other agents at work.

At house number one, I had the experience that I expected. The agent came to meet me as I entered. She was pleasant, knew the history of the house, and was familiar with the comparable homes in the area. Her style was similar to mine, so naturally I thought she was great.

House number two was described in the listing as "panoramic view, ocean view". Great! Buyers love a nice view. I showed myself through the house, as the agent was watching TV and texting. After looking in every room, I got her attention and asked where the view was. "Out front," she replied. Bewildered, I looked toward the front of the house. "Out in the street?" I asked. "Pretty much," was the answer. Hmm - that is why I preview houses before taking clients there!

On to home number three. The agent in attendance was not the listing agent, but that's OK. It is a common practice that enables sellers to have more open houses. He didn't know much about the house or the neighborhood but he was polite, and he gave me a flyer.

House number four was not far from where I live. Since I claim to be an expert in this area, I make sure to preview every house that comes on the market. It was an older home, not too attractive from the street, but the owners had done some remodeling inside so it seemed pleasant and cozy. When I introduced myself, the agent commented that he was surprised I came in, as the house looked so terrible from the street. He gave me a flyer while informing me that the place is greatly overpriced and he didn't believe that anyone would ever buy it because it is in such poor condition. I didn't know what to say.

I don't know how much commission the sellers of these homes have agreed to pay, but I do know that each seller gave up their afternoon at home so that the agent could present their property to the public.

ARE all agents the same? Should a seller select a realtor solely by the amount of the commission? Which agent would you trust to sell your home?