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It is common for new investors, who are active real estate to start with a traditional method like buying and holding single-family rentals. This is done through methods such as BRRR (Buy, Renovate, Rent, Refinance, Repeat). In addition, some advanced investors, with access to more capital, invest in commercial real estate. They invest in properties such as apartments, storage, or strip malls as an option too. Here, the investor buys the property and manages the asset by fixing it up or renting it to a tenant. It is popular for most investors to start off as residential real estate investors. Eventually, they graduate to larger commercial real estate investing deals. However, many non-institutional investors rarely consider the option of investing in Real Estate Notes.

What is a Mortgage Note?

According to Rocket Mortgage: “A mortgage note is a document that you sign at the end of your home closing. It contains all the terms of the agreement between the borrower and the lender and accurately reflects all the terms of the mortgage. In other words, when you buy a home, the mortgage note is the document that states how you’ll repay your loan, and it uses your home as collateral. Read on for more information on what a mortgage note is and how your repayment plan affects who owns it.”

The Founder of Marvelous Maids, Kellogg MBA, ex-Deloitte Consultant, and Active Real Estate Investor, Hereford Johnson III believes that the popular Real Estate Investing forum, Bigger Pockets, explains note investing best: ” investors purchase the secured debt and become the lender, after which they are entitled to receive payments from the borrower.  Generally speaking, note investors purchase notes at a discount to the remaining principal balance.”

Is it important to understand the Mortgage Note?

Yes, there is an entire world of Note investing and it’s important to understand. It is not just for noobie investors, but for everyday people who own a primary residence. There are people who are on the verge of going through a foreclosure. However, they may not be aware that they have the ability to work out a new payment structure if their note has been sold to a new lender. Most lenders do not want their note to default, so they are more than willing to be flexible on payment options from their debtors.

Buying a note can be simple. The overarching idea is that the lender is vested in the home. However, they are not the responsible party for maintaining the property, taxes, or insurance. What happens is that they simply collect a Principal and Interest payment (P&I) each month until the note is satisfied. Essentially, the lender becomes the bank as they are buying the debt and interest that is left to be paid. If the borrower does not pay the lender, the lender can have first rights to the deed and title of the property and/or potentially land.

Think about it this way…

For example, a bank is auctioning a note from a property. It is valued at $300,000 at 7% over 30 years. The remaining original balance on that note after a few years is $235,000, still at 7%.

On the other hand, the bank wants to clear this note off their books for whatever reason. Let’s say that maybe they no longer feel confident in the borrower’s ability to pay off the debt, or maybe they want to raise capital. So, the bank decides to take a loss in an auction and sells the note to you for $200,000.

Now, for ease of calculation of this example, let’s say that you do not finance taking over this loan, and pay the bank $200K in cash. You now have spent $200K for an asset worth $300K (pending the borrower defaults). And then if the borrower does not default, they will end up paying you $35K plus interest over time $235K [the original debt] – $200K [what you paid for the note]).

We would like to thank Seascape Capital in the inspiration of this blog post.

Perception is reality is a good rule of thumb that every business owner should take to heart. It is because of the impression of clients and staff can drastically impact your brand. You can have 99% of highly rated staff for your business. However, one minor poor impression from a client (or potential clients) can result in a bad online review. And just like that, it can also lead to less revenue for your business.

It is essentially important for professional services to deliver their best work. However, in reality, it doesn’t stop there. The busy and unpredictable activities that occur in every office everyday can easily disrupt the perfect order initially set in place. And a messy workplace does not leave a good impression on your business. That is a fact!

Luckily, there’s a quick fix for the office mess. That is why there is commercial cleaning services like us. Our highly rated office cleaning in Naperville will make every workplace shine.

What is commercial cleaning?

Commercial cleaning is a service offered by commercial cleaning services companies. This companies are contracted to carry out cleaning jobs depending on what is required or requested by establishment owners.

According to Business Blogs, there are 4 main reasons why commercial cleaning is important. It ensure a great first impression [for the companies], it makes the employees more productive, commercial cleaning services are more thorough [to make the office clean], and it keeps the workers happy.

In addition to that, the services of commercial cleaners will help a business to operate smoothly and efficiently.

What does a commercial cleaning company do?

Commercial cleaners are hired for a variety of services. They can perform light, general cleaning, as well as deep cleaning. These services could be booked on a one-time or regular basis. 

A general office cleaning entails routine of upkeep tasks done daily or weekly. It includes, but not limited to, the following tasks: dusting and wiping surfaces, mopping the floor, emptying garbage cans, restocking toilet paper and towels, etc.

Aside from everyday light cleaning, every office occasionally needs heavy-duty cleaning, such as detailed carpet cleaning.

Marvelous Maids of Naperville

Marvelous Maids of Naperville addresses frequent “touchpoints†helping commercial cleaning customers save up to 20% on consumables.

Their proven Sanitation System drastically reduces the risk of viruses.

With professionally cleaned company premises and healthier workspace, you’ll have happier, more motivated employees, attract serious clients and business partners, and help your company grow. 

The most dependable commercial cleaning service in Naperville

Are you searching for amazing commercial cleaners in Naperville? My Marvelous Maids provide premium cleaning services that will make your office sparkle. We’re a reputable cleaning company Naperville that businesses and homeowners can’t do without. 

The janitors you’ll be working with are trustworthy, skilled, and thorough. These professionals are also great at helping hosts clean their Airbnb rental in between guests by providing the most efficient Airbnb cleaning in the area. 

Aim high in an office space that commands respect. Your business will thank you for it. 

Contact us without delay and get the best customer service there is!

Keeping a home clean is a daunting task because it’s grueling, time-consuming and needs to be done often. To make matters worse, cleaning each area of the home properly requires experience and skill, especially when it comes to spots that require a slightly different cleaning method such as curtains.

Learning how to keep curtains clean is important if you want to preserve their appeal and avoid damaging the material. Luckily, with the help of some advice, freshly scented, stain-free curtains will grace your windows. 

However, if you hate the idea of washing curtains yourself because there are many other things you’d rather be doing, find a suitable alternative. Some experts in home cleaning in Lisle may handle curtain cleaning, but it’s always best to discuss it with your team beforehand. If their services don’t include this task, the pros still may give you a few helpful tips. 

Can I wash my curtains?

Should curtains be washed or dry cleaned?

Choose the cleaning method to use on your curtains wisely by considering the material they’re made from. While you can safely wash heavy materials and garment fabric materials in a washing machine, soft and sheer curtains require hand washing so as not to wrinkle.

Also, there are some types of fabrics, such as velvet, which have to be dry cleaned because of how sensitive they are. Always check the label to pick the cleaning technique that best suits your curtains.

How often should you wash window curtains?

Generally, it is advisable to give your curtains a good wash every 6 months at least. However, washing or dry cleaning isn’t enough to keep your curtains pristine at all times. You should also take care of their routine upkeep. Shake them to remove dust every time you clean the house. Also, try vacuuming them top to bottom once a month to get rid of the dust that’s accumulated. Another option is to put them in the dryer on the air fluff cycle, which uses no added heat.

Who are the most trustworthy home cleaning experts in Lisle?

Would you like to have your curtains taken care of while you relax? A lot of Lisle locals have figured out who they can trust when it comes to pristine cleanliness. Turn to My Marvelous Maids, and we’ll match you with the #1 experts in home hygiene in your area. You can stroll through  Community Park without a care in the world while your cleaning specialists eliminate every trace of staining, bacteria, and dirt from your home.  

Your cleaning team will tackle everything with care, disinfect all of your rooms, and remove bacteria and viruses that cause food poisoning from your countertops without a trace. The cleaners we send also know how to maintain a clean toilet or any other area of the house. Reach out to us and forget about cleaning troubles for good!

When it comes to cleaning, bathrooms are the places where most homeowners find themselves toiling away the hardest. There are many areas in a bathroom that need careful attention, from tile grout to shower taps. They want their toilets sparkling clean and odorless as possible.

However, germs tend to accumulate in this room of the house very quickly, which can be harmful to the health of your family. So, it’s no wonder you may be looking for dependable and time-saving ways to keep your toilet bowl pristine with minimum effort. 

Fortunately, you can find the best advice on sanitizing your toilet quickly and easily. If all else fails, first-rate pros in house cleaning services in Lisle will take the work off your hands. Expert house cleaning is worth every penny because your home will shine like never before, with zero effort on your part!

How often do you need to clean your toilet?

It’s widely known that thoroughly disinfected proper sanitation facilities are a necessary condition for good health. Generally, wiping down the tiles, scrubbing the shower and the sink, and other tasks that make up regular bathroom maintenance are best done at least once a week. Of course, take into account the number of people using the bathroom. You will need to clean more often if your family is bigger.

When it comes to cleaning the toilet, it should be dealt with even more often than other bathroom areas. This is due to toilets being the most germ-infested area in our homes. When a toilet is flushed, the water droplets that contain bacteria land all around. Prevent detrimental health effects by scrubbing your toilet two or three times a week.

How do I get my toilet bowl white again?

The best way to steer clear of stubborn toilet stains is regular cleaning. Prevent limescale deposits and lasting staining from developing by scrubbing at your toilet a few times a week. You can routinely use the same type of cleaning agents as you would if there is visible staining: apply baking soda and white vinegar or a mix of Borax and lemon juice onto your toilet. On top of that, you can clean with a scouring gel.

Where do I find unparalleled house cleaning services in Lisle?

Are you at the end of your tether wondering how your curtains can stay clean, trying to get your bathroom sparkling, and worrying about house maintenance in general? Hiring the best professional cleaners in the business is a foolproof method to get a perfectly disinfected home. You can even get rid of limescale in your bathroom completely with the help of outstanding cleaning professionals. 

At My Marvelous Maids, we’ll match you with the most experienced cleaning pros around. They will combat every kind of mess with dedication and expertise. Let your expert cleaners take care of the chores you hate. While your bathroom is getting the royal treatment, you can spend quality time with your family at the Children’s Garden or just put your feet up. You’re just a call away from having the home of your dreams!

Our house is a safe haven. This is the best place for us to relax and unwind after a long day of work. And there is nothing more awesome than to have a clutter-free home, right?

But we’ve all been there: you dedicate lots of time and effort to make your home spick and span, but before you know it, you’re swamped with clutter again! Somehow, piles of clothes have made their way onto your living room sofa, there are children’s toys scattered all over the floor and you’re completely overwhelmed. If you know what it feels like, you need sound advice on how to declutter your space efficiently and easily.

Read up on tips for having an immaculately neat home and apply them diligently. Dependable maid services in Lisle can lend a helping hand, too. Your home will shine the way it never has before! 

How can I reduce clutter in my home?

Most homeowners encounter the issue of running out of storage space. The answer is in changing your consumption practices and acquire good new habits:

• Shop wisely: People tend to buy impulsively, especially in the sales, which results in a home full up to the brink with unnecessary items. Go shopping with a shopping list and follow it to the letter.
• Use the things you already have: Forego buying new stuff and go closet shopping instead. Do a fun DIY project and repurpose the items you own. You’ll be surprised by the great things you forgot you owned.
• Clear out what you don’t need: Be honest with yourself: how many of the things you own do you actually use? Take a good look at your possessions and discard the ones that you never touch, either by donating or throwing them away.

How do you keep surfaces at home clutter-free?

You know how home cleanliness is beneficial for the health and happiness of the whole household but how do you take care of it fast?

• Be organized: Make a to-do list and take it seriously.
• Make it fun: A great tune will set the pace for vigorous decluttering!
• Include the whole family: Are you wondering if your children should do housework? They sure should! You can fight mess more readily if you tackle it together.
• Hire a professional: Cleaning pros know their way around a messy home. They’ll take care of it swiftly and skillfully. Find out about the chemistry behind cleaning products your cleaning specialists might use.

Which company provides exceptional maid services in Lisle?

Do you want to find out how to have a clean house on a tight schedule? No more mess and disarray from now on! Getting your home to look presentable is now a piece of cake, thanks to the premium service provided by My Marvelous Maids. We work with the leading cleaning expert in the area, so we’ll be more than glad to match you with them. 

You can spend all day checking out the prized collections of The Museums at Lisle Station Park and return to a sparkling residence. Your new expert cleaners will be dedicated to delivering the highest standards of service. Let the top-notch results they’ll achieve amaze you!