The Top Property Management Newsletter and Events for April 2024

April Newsletter
Surviving the Eclipse (and Other News!)
Your Property Management Newsletter Inside!

Polaris Property Management welcomes you to our March Newsletter, packed with exciting updates, comprehensive resources, and the very latest from the real estate industry.

Bringing you a round up of the latest news, ideas and tips to maximize your experience as a landlord or REALTOR®.

Investing in property is a significant endeavor, and having the right property management partner by your side is crucial for  your success.

Polaris Property Management in Indianapolis is committed to supporting your investment goals by providing top-notch property management services tailored to your unique needs. We prioritize open communication, transparent processes, and a customer-centric approach, ensuring your satisfaction every step of the way.

Surviving the Eclipse: A Practical Guide for the Paranoid

(with Top Safety Tips You Can’t Afford to Ignore!)

 

When it comes to the solar eclipse, it can be easy to let your imagination run wild. So, if you’re one of those who are even half-convinced that an eclipse is an alien conspiracy, or a sign of an impending Armageddon, then consider this your survival guide. We’re donning our tin foil hats (instructions included below) and taking you through the hilariously practical steps necessary to survive the eclipse, paranoia and all.

 

Don’t be an Astral Anomaly: Understanding the Basic Science of an Eclipse

It’s time to kick this cosmic soiree into gear by grasping the celestial event we all love but rarely ever understand – the good ol’ eclipse. With its roots in the Greek language, the term ‘eclipse’ means ‘abandonment’. In simple terms, an eclipse is nature’s Bingo! It’s the moment when the sun seems to have been ghosted by the moon in broad daylight or when earth decides to play the third wheel and casts its shadow on the moon at night. Charming, isn’t it? But stay with me here because there’s more to an eclipse than a dance of shadows.

During a solar eclipse, although the moon covers the sun almost perfectly, it still leaves the sun’s outer layer, or ‘corona’, exposed, thus unleashing tremendous solar radiation towards Earth. Incidental exposure to this intense light can fry your retina quicker than a summer barbecue party.

Now that doesn’t sound like a fun way to enjoy a spectacular cosmic event, does it?

How to Spot Alien Abductions During the Sun’s Temporary Hiatus

One of the most common fears surrounding eclipses is the sudden increase in alien abduction reports. Fun fact: They’re unfounded, but who are we to question fear and logic?

So, how do you avoid a fate worse than being subjected to alien probes? You stay vigilant, always ready to spot suspicious activities like non-blinking lights or sudden crop circles in nearby corn fields.

Consider your quirky neighbor’s odd behavior a potential sign of alien disguise. Paranoid much? Nah, just covering all bases in the face of extraterrestrial exploit.

 

Star-Gazing not Scar-Making: Dodging the Eclipse Eye-Danger Like a Space Cowboy

You don’t need to be a Space Cowboy to master the art of eclipse viewing. Marvel at the cosmic spectacle all you want, but remember, staring directly at the sun is as safe as trying to pet a wild grizzly with a salmon in your hand. Yes, it’s that dangerous!

The sun sends invisible ultraviolet and infrared rays Earth’s way. While these may sound like funky disco moves, they hold the power to cause ‘solar retinopathy’, a serious eye condition that could lead to vision loss.

The lesson here? If you can’t nix the gazing, go for the gear. Yes, gear. Arm your eyes with solar viewer glasses, not sunglasses! Remember, this is not a beach weekend, it’s an interstellar showdown. So, let’s equip ourselves correctly.

 

Block the Blaze: Choosing Your Armor Against the Solar Siege

Ever heard of eclipse glasses? They’re the Iron Man suit for your precious peepers. Rated with a solar filter of 14 or above, these super-shades are your best defense against our flaming solar foe. Too much? Okay, just remember, these glasses are your BFF during an eclipse.

They allow you to enjoy the stellar spectacle without risking your vision. Warning: trying to witness the eclipse through smoked glass, polarized lenses, X-ray film, or other DIY projects will not end well, trust me.

Alternatively, you can try your hand at building a simple pinhole projector – old school style! Or get really fancy and grab a solar telescope. Both can give you a safe viewing experience. However, if you are like me, someone who gets lost between a hammer and a doorknob, your safest bet is to watch it on the television! Stay safe, folks, and may your retinas survive to see another day!

 

Crafting Your Moon-Blocking Tin Foil Hat: A DIY Project for the Slightly Unhinged

If you think traditional eclipse glasses are “too mainstream”, then you might appreciate the tres chic look of a homemade tin foil hat.

Perfect for blocking lunar rays, this hat also doubles as a fashion statement that screams, “I walked right off the set of a B-grade sci-fi movie.” Simply take a sheet of tin foil, mold it into a beanie-like shape, ensuring it completely covers your head (ears included). Think of it as a Jack Sparrow bandana, only shinier.

Pro-tip: Use extra layers for additional lunar ray protection and increased paranoia satisfaction.

 

The Art of Panic Buying for an Eclipse: Essential Items Besides the Fashionable Eclipse Glasses

Preparing for an eclipse isn’t just about the eclipse glasses. Let’s be honest, they aren’t very fashionable anyway. Thus, presents the perfect opportunity for panic buying. What do you need? Multigrain tortilla chips (they look like mini suns), three gallons of bottled water (because who knows how a solar blackout might affect your water supply), and a life-sized cardboard cut-out of Neil Armstrong (why not at this point?).

My neighbor has already stocked up on Sun Chips, Milky Way bars, Starburst candy, Moon Pies and bottles of Sunny Delight. Toss in a glow-in-dark zodiac map as well. Suddenly your living room has become a paranoia-approved, eclipse-watching haven. Congrats!

Creating a playlist for the unique experience of an eclipse can add a dramatic and memorable soundtrack to the event. Here’s a curated list of 10 songs from various genres that could complement the awe-inspiring moments of an eclipse:

  1. Eclipse” by Pink Floyd – This classic rock song from the album “The Dark Side of the Moon” perfectly captures the ethereal and otherworldly vibe of an eclipse.
  2. Total Eclipse of the Heart” by Bonnie Tyler – Although it’s more about love than the celestial phenomenon, this powerful ballad’s title and emotional intensity make it a fitting choice for an eclipse playlist.
  3. Black Hole Sun” by Soundgarden – The surreal and slightly eerie sound of this grunge hit offers a fitting backdrop for the darkening skies of an eclipse.
  4. A Sky Full of Stars” by Coldplay – This uplifting and luminous track can provide a stark contrast to the darkness of an eclipse, celebrating the celestial beauty and wonder.
  5. Here Comes the Sun” by The Beatles – As the eclipse ends and the sun reappears, this classic song can mark the moment with joy and warmth.
  6. Bad Moon Rising” by Creedence Clearwater Revival – With its iconic opening and memorable melody, this song can add a touch of foreboding excitement to the eclipse experience.
  7. Moonshadow” by Cat Stevens – This gentle and reflective song can offer a moment of calm and introspection during the eclipse.
  8. Dancing in the Dark” by Bruce Springsteen – Capturing a sense of yearning and energy, this track can invigorate the playlist as the eclipse progresses.
  9. Starlight” by Muse – With its grandiose sound and cosmic themes, “Starlight” is an anthem that can amplify the awe of the eclipse.
  10. Shadows in the Moonlight” by Anne Murray – To add a touch of country flavor, this song’s lyrical beauty and soft melody can provide a serene backdrop to the eclipse.

Surviving the apocalypse…ahem eclipse, can indeed be a challenging task, especially for the slightly unhinged, conspiracy theory-loving people among us. But armed with your alien detection skills, special tin foil headgear, and a well-stocked panic room, you’re not just equipped to survive the sun’s temporary hiatus, but to absolutely thrive.

Besides, remember, it’s a solar spectacle after all, so don’t forget to kick back, relax, and watch the end of the world…oops, sorry, simply the solar eclipse!

So, there you have it, three golden rules of surviving an eclipse and guidelines for fun. Keep them in mind for the April 8th cosmic event and avoid becoming a Darwin Awards nominee. It’s not the kind of ‘stardom’ you want to achieve.

Keep the gazing safe, the humor alive, and the safety goggles on; after all, we do live in a world where beauty is in the eye of the beholder, or in this case, the beholder with intact retinas.

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for 11th Straight Year
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Understanding the Factors: How to Select an Ideal Location for your Rental Property

Deciding on the perfect location for a rental property isn’t always straightforward. A multitude of factors comes into focus such as the local real estate market, proximity to amenities and the long-term growth potential of the area. Understanding these parameters will help you make a deliberate decision that will, in turn, maximize your returns.

Evaluating the Local Real Estate Market: A Comprehensive Overview

Before investing in a rental property, your first factor for consideration should be a comprehensive understanding of the local real estate market. Start by looking into the supply and demand dynamics in the target area. This includes assessing the average rental rates, vacancy rates, and how long properties stay on the market. High rental rates coupled with a low vacancy rate implies a strong renters’ market.

Another critical factor to evaluate is the absorption rate of the market- i.e., how quickly a market can absorb the supply of properties. If it’s relatively speedy, this is a positive sign. One should closely monitor any upcoming developments. Projects such as new schools or shopping malls can influence the demand and prices of rentals in the future.

Lastly, familiarize yourself with the various laws and regulations in the area. These typically cover landlord-tenant relations, zoning, and often also include building codes and regulations regarding rental increases. Working with a local real estate agent or attending real estate investment seminars can help you understand these nuances better.

Importance of Accessibility and Neighborhood Amenities in Property Renting

Beyond the price, tenants are likely to consider other factors like accessibility and neighborhood amenities before renting a property. Good transport links, proximity to shopping complexes, parks, schools, hospitals all play a big role. Renters appreciate anything that enhances convenience. A walkable neighborhood with easy access to public transportation is highly attractive.

Therefore, don’t forget to evaluate the quality of local schools if your target market involves families. Access to recreational facilities like gyms, swimming pools, even bike lanes can be “pull factors.” Jobs and employment opportunities nearby can attract renters too. A common strategy many use is to invest in areas around hospitals or universities.

However, the perfect neighborhood doesn’t insinuate automatically high rents. Striking a balance between your buying cost and the rental income you can charge is necessary to have a profitable venture.

Exploring the Long-Term Financial Prospects: Assessing the Growth Potential of your Rental Property Location

Lastly, it is equally essential to visualize the long-term prospects of your property. This essentially refers to the growth potential of the neighborhood. Remember, if the area appreciates over time, your property value will too. To assess whether this growth is expected, you must monitor signs of regeneration and investment in infrastructure in the area. Are there new businesses moving in? Is there a plan for a new transit system? Such indications signify growth.

Besides, look into economic trends like job growth and population growth. A significant rise in these indicates more people moving in, which means a heightened demand for rental properties. In areas that have had steady economic growth over the years, it is a safer bet that there will be a continuation in the housing market’s health.

Exemplifying the Factors: How to Select an Ideal Location for your Rental Property

When diving into the process of selecting the perfect location for your rental property, it’s crucial to understand how each factor plays a role. Let’s explore these factors through an example scenario:

1. Demographics and Target Audience

Imagine you’re considering investing in a rental property in two different neighborhoods: Downtown City Center and Suburban Haven. Downtown City Center boasts a young, bustling population of urban professionals seeking convenience and proximity to work and entertainment. In contrast, Suburban Haven is known for its family-friendly environment with excellent schools and spacious parks.

2. Job Market and Economic Stability

You research the job market in both areas and find that Downtown City Center is thriving with numerous job opportunities in tech, finance, and creative industries. The area is experiencing steady job growth, attracting young professionals from across the country. On the other hand, Suburban Haven has a stable economy supported by local businesses and industries such as healthcare and education.

3. Rental Demand and Vacancy Rates

Analyzing rental demand and vacancy rates, you discover that Downtown City Center has a high demand for rental properties, with vacancy rates consistently below 5%. The area’s vibrant nightlife, dining scene, and cultural attractions make it a sought-after destination for renters. In comparison, Suburban Haven maintains a healthy rental market with moderate demand from families seeking quality schools and safe neighborhoods.

4. Rental Regulations and Landlord-Friendly Laws

Delving into rental regulations, you find that Downtown City Center has landlord-friendly laws that allow for flexible rent increases and streamlined eviction processes. The regulatory environment is favorable for property owners, providing a level of security and control over their investments. Similarly, Suburban Haven has fair landlord-tenant laws that balance the rights of both parties while ensuring a stable rental market.

5. Property Taxes and Operating Costs

Considering property taxes and operating costs, you calculate that Downtown City Center has higher property taxes and utility expenses compared to Suburban Haven. However, the area’s higher rental rates and lower vacancy rates offset these costs, resulting in favorable cash flow for savvy investors. In contrast, Suburban Haven offers lower property taxes and operating costs, contributing to a more affordable investment option with steady returns.

6. Amenities and Infrastructure

Assessing amenities and infrastructure, you note that Downtown City Center offers convenient access to public transportation, trendy cafes, upscale restaurants, and cultural attractions. The area’s well-developed infrastructure and walkable streets appeal to young professionals seeking a vibrant urban lifestyle. Meanwhile, Suburban Haven boasts spacious parks, top-rated schools, and family-friendly amenities like community centers and playgrounds, catering to the needs of families and commuters.

7. Future Development and Appreciation Potential

Examining future development plans, you learn that Downtown City Center is undergoing extensive revitalization efforts, including new commercial developments, public spaces, and transportation upgrades. These initiatives are expected to drive up property values and rental demand in the coming years, offering promising appreciation potential for investors. Similarly, Suburban Haven is experiencing growth in population and infrastructure investment, positioning it as a desirable location for long-term real estate appreciation.

By carefully considering the demographics, job market, rental demand, regulations, operating costs, amenities, infrastructure, and future development of each location, you can make an informed decision to maximize the success of your rental property investment.

Selecting the perfect location for your rental property involves several factors that need careful consideration. Understand and analyze the local market, balance costs and benefits, and be conscious of the area’s potential growth. With these considerations in mind, you’re well on your way to securing a gratifying rental property investment.

Maximizing Profitability: How to Accurately Calculate ROI in Real Estate Investing

 

Investing in real estate promises several advantages, not least of which is the potential for significant financial gain. However, accurately calculating the Return on Investment (ROI) is crucial in assessing both the viability and profitability of real estate ventures. In this blog post, we will explore the concept of ROI, discuss the methodology used to accurately calculate this figure, and ultimately, present powerful strategies designed to maximize ROI and boost profitability in real estate investing.

Understanding the Fundamentals: Breaking Down the Concept of ROI in Real Estate Investing

Before delving into calculation methodology, it’s essential we first understand the crucial concept of ROI. In the simplest terms, ROI measures the efficiency or profitability of an investment. In real estate investing, the ROI represents the ratio of a property’s net return to its cost. This calculation will reveal how well or poorly an investment performs, guiding both your present and future investing strategy.

Traditional ROI calculations rely on two vital pieces of information: the initial investment cost, which includes the purchase price, closing costs, and renovation expenses; and the proceeds from your investment, which could be rental income, or the profit from selling your property.

The Golden Rule: Detailed Methodology for Accurately Calculating ROI

Once you comprehend the concept of ROI, the next step is to nail down the method of calculating it accurately. Assuming you know your total investment and the proceeds generated, calculating the ROI can be quite straightforward. Here’s how:

First, you need to calculate the Net Profit. This is achieved by subtracting the total investment from the total return. Then, to find the ROI, you divide the Net Profit by the total investment, and express this figure as a percentage.

However, a precise calculation should also consider ongoing expenses such as taxes and maintenance costs, possible future renovations, fluctuating property values, and potential vacancies. Real estate investing often involves multiple variables and the savvy investor understands the importance of considering all potential costs and income to ensure an accurate ROI.

Power Play: Strategies to Maximize ROI and Drive Profitability in Real Estate Investing

Now that we know how to calculate ROI, the ultimate goal is to maximize it. Here are some strategies to help accomplish this:

Firstly, buy at the right price. The initial purchase price plays a significant role in determining potential profits. A lower purchase price correlates to a potentially higher ROI. So, by acquiring a property below market value, you can increase your chances of lucrative returns.

Secondly, prioritize renovations with a higher ROI. Remodeling can significantly increase property value, but it’s important to focus on improvements that yield the highest return. Those trendy countertops might be appealing, but investing in updated electrical systems or a new roof could be more worthwhile.

Another strategy is to increase rental income, where possible. This could involve raising rent, minimizing vacancy rates, or implementing ancillary income streams such as coin-operated laundry or vending machines.

Lastly, controlling operating expenses is key to boosting profitability. Efficient property management, preventative maintenance, and timely resolution of property-related issues can help fend off unnecessary expenses and ultimately increase ROI.

Accurately calculating ROI and implementing strategies to enhance it is indeed crucial to successful real estate investing. Armed with this knowledge, investors can now make informed decisions, maximize profitability, and truly leverage their investments in the real estate market.

 

Beyond the Fine Print: A Storyteller’s Guide to Understanding Insurance for Real Estate Investors

Real estate investment can be a meticulously intricate concept to grapple with, and insurance is one labyrinthine corner that often leaves investors scratching their heads. While insurance jargon may seem like an alien language to many, this story-teller’s guide aims to shed some light and simplify the often elusive domain of real estate insurance.

Chapter One: Unraveling the Mystery Behind Insurance Jargon: A Prologue for Real Estate Investors

Imagine unearthing an ancient manuscript, only to find that it is scribed in a language you cannot decipher. This is what the world of insurance often feels like for real estate investors. But fear not, this guide offers your personal translation key. Phrases like “actual cash value”, “replacement cost”, “deductible”, and “liability coverage” are not as intimidating as they seem. Once you understand these phrases’ relevance in your investment strategy, you have your first key to unlocking the insurance chest.

Certainly! Understanding insurance jargon is crucial for real estate investors as it not only affects the risk management strategy but also has significant implications for the financial performance of their investments. Here’s an introductory exploration of this topic.

Understanding the Basics: Types of Insurance for Real Estate Investors

Property Insurance: Protects against damage to the property itself due to hazards like fire, storm, or vandalism.

Liability Insurance: Covers legal claims against the property owner for injuries or damages occurring on the property.

Landlord Insurance: A combination that typically includes property and liability coverage, but also loss of rental income.

Title Insurance: Assures that the title to a property is free from defects that could affect the ownership.

Flood Insurance: Specifically covers damages from flooding, which is often excluded from standard property insurance policies.

Deciphering Insurance Terms

Premium: The amount you pay for your insurance policy, typically quoted annually or monthly.

Deductible: The out-of-pocket cost you agree to pay before your insurance coverage kicks in.

Coverage Limits: The maximum amount an insurance company will pay for a covered loss.

Exclusion: Specific situations or circumstances that are not covered by the insurance policy.

Endorsement/Rider: An addition to the standard policy that provides extra protection or covers a specific item.

Actual Cash Value vs. Replacement Cost: Actual cash value accounts for depreciation, while replacement cost does not.

Key Considerations for Real Estate Investors

Risk Assessment: Evaluate the types of risks your property is exposed to, including location-specific dangers like earthquakes or floods.

Cash Flow Implications: Premiums and deductibles should be factored into the property’s cash flow analysis.

Liability Protection: As an investor, you should ensure sufficient coverage against potential lawsuits.

Policy Limits: Ensure that coverage limits are adequate to rebuild the property in case of a total loss.

Claim Process: Understand the claims process to ensure timely settlement after a loss.

Legal Requirements: Some types of insurance may be required by law or by mortgage lenders.

Strategic Use of Insurance in Real Estate Investing

Asset Protection: Use insurance to protect the value of your property and safeguard against significant financial loss.

Leverage: Some investors may choose higher deductibles to lower premiums, using saved cash for other investments.

Negotiation Tool: An excellent insurance policy can be a selling point when negotiating leases or sales.

For real estate investors, insurance is not just a necessary expense but a critical component of their investment strategy. Understanding and using insurance effectively can protect your investment, provide peace of mind, and enhance the overall return on investment. It’s advisable for investors to consult with insurance professionals to tailor their coverage to their specific investment profile and goals.

Chapter Two: Mapping the Coverage Terrain: Navigating an Ocean of Policies for Property Investors

Now that we’ve decoded the language, it’s time to take a dive deep into the sea of policies available to property investors. From landlord policies, homeowners’ insurance, to umbrella policies that offer wider coverage, the insurance ocean appears endless and intimidating. But just like a seasoned sailor knows his way around the sea, a savvy real estate investor must learn to navigate through these options to find the one that suits their unique investment goals, financial capacity and risk tolerance level the best. Choosing appropriate coverage is akin to plotting the right course – it can be the deciding factor between successful voyage or a shipwreck.

Picture this: You’re the captain of a ship sailing the vast ocean, where each wave represents a different aspect of the real estate world. Your ship, sturdy and reliable, is your property investment. To navigate these waters safely, you need a map — a guide that helps you understand the swirls and tides of insurance policies that can either buoy you up or, if ignored, sink you. So, let’s hoist the sails and map out the terrain of insurance coverage that’s as vital to property investors as a compass to a mariner.

The Voyage Begins: Setting Sail with the Basics

As any seasoned captain knows, preparation is key. Before setting sail, you must understand the fundamental policies that will keep your vessel safe.

Property Insurance: Think of it as the hull of your ship, the basic protection against leaks and damage. It’s there to ensure that even when the skies grow dark and the seas turn rough, your investment stays afloat.

Liability Insurance: This is your ship’s railing, there to prevent anyone aboard — or even those just passing by — from taking an unexpected tumble into the briny deep, and leaving you responsible for the rescue.

Flood and Earthquake Insurance: These are the special reinforcements for your hull, tailored for those voyages where you know you’ll encounter the roaring earthquakes or the deceptive calm before a flood.

 

Charting the Policies: Understanding the Terms

Navigating insurance policies can be as challenging as reading ancient mariner maps, but with a little translation, you’ll be speaking the language like a native.

Premiums: They are your investment into the safety of your journey. Paid like the dues at a harbor, they keep you in good standing with those who guarantee your safe passage.

Deductibles: In the event of a mishap, this is your portion of the repairs before your crew of insurers steps in to handle the rest. It’s like keeping a reserve of timber to patch up minor holes yourself.

Coverage Limits and Exclusions: These are the boundaries of the seas you can safely travel. Venture beyond these, and you’re sailing without a net — your insurer won’t cover what lies in uncharted waters.

Navigational Strategies: Using Insurance Wisely

No wise captain ever set sail without a strategy, and insurance is a critical part of your navigation plan.

Balancing Cost and Protection: Like balancing the weight on a ship for optimal speed and safety, you must find the right balance between your premiums and your level of coverage.

Understanding the Climate: Just as a captain must understand the seasons and weather patterns, you must grasp the environmental and economic factors that affect your property.

Knowing When to Dock: Sometimes, it’s prudent to anchor and review your policies. The insurance landscape changes, and what served you in calm seas may not hold up in a storm.

Safe Harbors: The Role of Advisors

Every captain needs a good navigator, and in the world of insurance, advisors and brokers are your North Star. They help translate the complex language of policies, point out the potential storms of liability, and ensure your coverage is as complete as the stars in the sky.

The Journey’s Reward: Peace of Mind

At the end of the voyage, when your ship is docked safely with its cargo intact, you’ll find that the true treasure is the peace of mind that comes with knowing you’ve navigated the complex waters of insurance with the skill of an old salt. Your investments are safe, not because the seas were kind, but because you were prepared for their fickleness.

So, there you have it, a chart to guide you through the ocean of policies. With this knowledge, you’re ready to set sail with confidence, knowing that come high water or rolling waves, your property investment is secure, and so is your peace of mind. Safe travels, my friend, may the winds be ever in your favor!

 

Chapter Three: A True Tale of Triumph: Real-Life Insurance Success Stories from the Realm of Real Estate Investment

True stories of triumph often serve as an excellent source of inspiration and evidence that success is indeed attainable. In the realm of real estate investment, there are several such tales of victories where insurance policies have come to the rescue, protecting investors’ assets, mitigating risks, and saving large sums of money.

One such anecdote involves a real estate investor who had invested in a residential property. A natural disaster caused significant damage to the property, but thanks to foresight in selecting a comprehensive insurance policy, he managed to recover the loss entirely. The payout from the insurance company covered the repair costs and even the lost rental income during repair time. Thus, a potentially cataclysmic event was transformed into a minor setback, thanks to smart insurance decision.

In essence, understanding insurance may appear as a formidable challenge, but with the right knowledge and approach, it can become a powerful tool in your investor’s arsenal. Whether it’s decoding the insurance language, selecting the best policy for your investment, or learning from real-life success stories, the journey through insurance maze is a vital part of the real estate investment narrative. So brace yourself to traverse through this story-telling guide and emerge as a more informed and confident real estate investor.

 

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