Chapter 19 – Commercial and Investment Properties 1

• License requirements for commercial real estate.

• Considerations for different types of investmentproperties.

• How rent is calculated on commercial space.

• How commercial leases are structured.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Loan Products-Investment Monies (1 hr) (Remedial)

· The Role of the Secondary Market 

o Freddie Mac 

o Ginnie Mae 

o Fannie Mae 

· What are convention Loans? 

· What are government backed loans? 

Residential Leasing Terms (1 hr) 

· Property leasing steps 

· The application processes 

· Identification fees screening and selecting Tenants 

· Screening Services 

· Legal History of the tenant 

· Personal Investigation 

· Rental history of the tenant 

· Financial Status of the tenant 

· Credit Reports 

· Income Verification 

· Reaching a Decision Risk Management (2 hrs) 

· How Lenders and investors manage Risk on investments? 

· Types of investments 

· Types of Ownership 

o Stocks 

o Loans 

· Investment risk 

o Safety 

o Liquidity 

· Benefits/Negatives of real estate investing 

o Appreciation 

o Leverage 

o Tax Benefits 

o Lending Risks 

o Risk of Default 

o Risk of Loss ·

 The underwriting process 

· Foreclosure

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

KW

Law of Agency (3.75 HRS)

Fiduciary Relationships/Agency/Listing Agreement
Obedience
Loyalty
Disclosure
Confidentiality
Accountability
Reasonable, Skill, Care and Diligence

Agent Authority
General
Special 
Universal
Agent/ Broker Relationship
Creation of Agency
Broker/Agent Compensation
 
Termination Of Agency
Completion 
Expiration of Terms
Operation Of Law
Mutual Agreement
Revocation
 
Agency Alternatives
Single Agency
Seller’s Agent
Buyer’s Agent 
Subagent
Broker’s Agent

Dual Agency 
Written
Informed
Consensual
In Advance
Designated sales Agents
Undisclosed Dual Agency 

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 20 – Commercial and Investment Properties 2

• Characteristics of real property investment.

• How risk affects property investment.

• The components of the cash flow model and how it isapplied to most investment opportunities.

• How to evaluate the income potential of an investmentproperty and determine its value to an investor.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Implicit Bias

What is bias?

• What is conscious bias vs. unconscious (implicit) bias?
• Testing our assumptions
• A brief review of the factual and legal basis for requiring all New York rea
• estate professionals to take this training.
• What is a stereotype and how does it fit in the definitions of bias?

Types of Implicit Biases:

• Race and ethnicity
• Age
• Gender
• Accent
• LGBTQ
• Ability
• Affinity
• Beauty
• Name
• Weight
• Disability
• Adultification

Effects of bias:

• Misunderstanding and loss of customers
• Customer dissatisfaction
• “Black eye” for the entire real estate industry

What are Microaggressions and how can we deal with them when we commit one.

Implicit Bias in Real Estate, Government and the Real Estate Industry.

What can we do to respond and address our own implicit biases.

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 6 – Deeds

• The purpose of a deed.

• Essential elements of a valid deed.

• How to distinguish among the different forms of deeds.

• About a property’s legal description.

• Methods of transferring title.

Chapter 6-A – Real Estate Closings

• The purpose of the public records system.

• The significance of a marketable title.

• The documents necessary for closing.

• Which closing costs are paid by a buyer and by aseller.

• How to calculate prorations.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Assessment Exemptions & Taxes (2 hrs) (Remedial)

· Understanding the various tax exemption programs 

o STAR 

o Seniors 

o Veterans 

o Plot 

· Understanding the licensee’s role 

Cultural Competency (2 hrs) 

· What is Culture and Cultural Competency? 

· What is Culture? 

· Aspects of Culture Elements of Culture 

· Levels of Culture International Culture International 

· Cultural Change Cultural Change 

· Practicing Cultural Competency 

· Working with Diverse People 

· Handling Buyer’s and Seller’s Biases Agent’s Responsibilities

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

Cultural Competency For Real Estate

1. What is Cultural Competency?
2. Who IS the World?
3. How the norms of differing cultures can lead to confusion and misunderstandings in business and personal relationships?
4. Stages of cultural competency.
5. Develop culture-specific appropriate responses.

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 11 – Human Rights and Fair Housing

• Describe the evolution of fair housing laws.

• Identify examples of discrimination.

• Explain federal Fair Housing Laws and practices.

• Define elements of the Americans with Disabilities Act.

• Utilize acceptable advertising guidelines.

• Identify implications of violation fair housingmandates.

• Describe the elements of New York State law related tofair housing.

• Recognize the authority of the New York Civil RightsCommission.

https://zoom.us/j/3237166005

For most sessions we line up guest speakers (subject to availability) with expert knowledge in various real estate areas to make a presentation to the class. You will be notified who will be presenting once the classes start. Prior presentations included the following: HPD lecture on LL#1; Financing and Debt; Environmental Remediation; Realty Information System www.rissoft.com (software application); and a interactive overview of operational management issues included with a NYC field trip (see prior class pictures).

Topic I: Communications Skills and Understanding Property Management For Commercial, Residential (Condo/Co-op), Medical, Industrial, Government, Hotel/Resort, Special Use & Infrastructure Projects

Topic II: Operations Management, Public Relations, Trades & Workforce

Topic III: Building Compliance, Legal, Authority and Contractual Issues

Topic IV: Debt-Equity Load and Real Estate Computer Software Systems

Topic V: Budgets, Cash Flow, Financial Statements and Bookkeeping

Topic VI: Field Trip, Green Building (LEED), Marketing & Urban Planning

Topic VII: Leases, Landlord – Tenant Law and Risk Management

Topic VIII: Conservation, Security and Safety Protocols & Zoning Issues

The course participant can make a verbal request of the Instructor to be involved with preparing an optional course paper that can be graded with a letter or numeric grade for the purpose of obtaining a educational reimbursement from an employer or employment program for career development.

THESE CLASSES ARE ONLY ONLINE, AND NOT IN PERSON

Salvador Rozenberg is an experienced professional with a diverse background in architecture, civil engineering, community development, construction, education, leadership, real estate, teaching, urban planning, and youth development. He is interested in senior leadership development, business development, urban design, and data architecture roles in industries such as healthcare, economic development, education, and engineering. Salvador is based in New York (NY) and prefers locations in the Tri-State Area and Florida. He possesses strong skills in leadership, project management, data analysis, and interpersonal communication.

This course covers basic fair housing principles which salespersons and brokers are expected to know and practice. The course also examines the Federal, State, local and regulatory codes that shape fair housing as we know it.

Students will gain a deeper understanding of the law by reviewing historical origins and social objectives. The course begins at the time in America when we had "unfair housing," in other words, people living in the forced servitude of slavery. The historical account continues through the Civil War, the Civil Rights era, and the Women's and Disabilities movements to the present day. Landmark Supreme Court cases are also covered in detail, along with examples of enforcement in the real estate industry. This timeline is intended to clarify, amplify and dramatize the laws we follow in real estate practice.

In licensing classes, students were required to memorize fair housing laws and court decisions. In this class, they learn why and how these historic strides were made. Techniques for upholding fair housing law also will be discussed in detail.

Among the many topics, this class will include:
Fair Housing Concepts
Brokerage practices
What Housing is Covered under Fair Housing?
Definitions: "Protected Groups", "Profiling" etc.
Megan's Law
History and Legislation
Federal Laws
Supreme Court Cases
Plessy v. Ferguson, Buchanan v. Warley, Brown v. Board of Ed., Shelley v Kraemer, Jones v Mayer
NY State Legislation and Local Laws
ADA Americans with Disabilities Act
NYC Fair Housing Protections
How Real Estate Licensees Can Support Fair Housing

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

IPRG

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

Chapter 12 – Contracts and Contract Preparation

• Basic concepts of contract law.

• The essential elements of a valid contract.

• How the statute of frauds applies to contracts.

• How contracts may be terminated.

• What information is needed to prepare a sales contract.

Chapter 12-A – Leases

• How to distinguish among the different types ofleasehold estates.

• The purpose of different types of lease options.

• How covenants affect lease contracts.

• How leases may be terminated and when it is acceptableto begin the process of eviction.

• The difference between rent control and rentstabilization.

https://zoom.us/j/3237166005

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

For most sessions we line up guest speakers (subject to availability) with expert knowledge in various real estate areas to make a presentation to the class. You will be notified who will be presenting once the classes start. Prior presentations included the following: HPD lecture on LL#1; Financing and Debt; Environmental Remediation; Realty Information System www.rissoft.com (software application); and a interactive overview of operational management issues included with a NYC field trip (see prior class pictures).

Topic I: Communications Skills and Understanding Property Management For Commercial, Residential (Condo/Co-op), Medical, Industrial, Government, Hotel/Resort, Special Use & Infrastructure Projects

Topic II: Operations Management, Public Relations, Trades & Workforce

Topic III: Building Compliance, Legal, Authority and Contractual Issues

Topic IV: Debt-Equity Load and Real Estate Computer Software Systems

Topic V: Budgets, Cash Flow, Financial Statements and Bookkeeping

Topic VI: Field Trip, Green Building (LEED), Marketing & Urban Planning

Topic VII: Leases, Landlord – Tenant Law and Risk Management

Topic VIII: Conservation, Security and Safety Protocols & Zoning Issues

The course participant can make a verbal request of the Instructor to be involved with preparing an optional course paper that can be graded with a letter or numeric grade for the purpose of obtaining a educational reimbursement from an employer or employment program for career development.

THESE CLASSES ARE ONLY ONLINE, AND NOT IN PERSON

Salvador Rozenberg is an experienced professional with a diverse background in architecture, civil engineering, community development, construction, education, leadership, real estate, teaching, urban planning, and youth development. He is interested in senior leadership development, business development, urban design, and data architecture roles in industries such as healthcare, economic development, education, and engineering. Salvador is based in New York (NY) and prefers locations in the Tri-State Area and Florida. He possesses strong skills in leadership, project management, data analysis, and interpersonal communication.

https://us02web.zoom.us/j/5526351915

Highline Residential

Among the many topics, this class will include:

Commercial Real Estate Brokers
· How does one become a broker? 
· Interviewing 
· A day in the life 
· The city's top brokers & case studies 
Business Development
· Who, when and how to call
· Getting the Tenant Exclusive Representation Agreement 
· Getting a Sublease Agency Agreement 
· Getting the Brokerage Agreement Signed 
The Lease Process
· Quick Overview & Timeline 
· Establishing your client's needs 
· How to find the candidate spaces 
· Organizing an inspection tour 
· Putting in a lease proposal 
· Negotiating business points 
Managing the Lease Process
· Managing your client, landlord, attorney's and architect
Addressing Special Client Needs
· Understanding specifics about the client's industry 
· Typical office user 
· Start-up Company Deal & Space Specifics 
· Trading Firm Deal & Space Specifics 
· Hedge Fund Deal & Space Specifics 
· Law Firm Deal & Space Specifics 
· Non-profit Deal & Space 

https://us02web.zoom.us/j/5526351915

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

Chapter 15 – Municipal Agencies

• The administrative divisions within New York State.

• The roles and responsibilities of municipal agencies inNew York State.

• How these agencies can help you as a real estateprofessional.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

For most sessions we line up guest speakers (subject to availability) with expert knowledge in various real estate areas to make a presentation to the class. You will be notified who will be presenting once the classes start. Prior presentations included the following: HPD lecture on LL#1; Financing and Debt; Environmental Remediation; Realty Information System www.rissoft.com (software application); and a interactive overview of operational management issues included with a NYC field trip (see prior class pictures).

Topic I: Communications Skills and Understanding Property Management For Commercial, Residential (Condo/Co-op), Medical, Industrial, Government, Hotel/Resort, Special Use & Infrastructure Projects

Topic II: Operations Management, Public Relations, Trades & Workforce

Topic III: Building Compliance, Legal, Authority and Contractual Issues

Topic IV: Debt-Equity Load and Real Estate Computer Software Systems

Topic V: Budgets, Cash Flow, Financial Statements and Bookkeeping

Topic VI: Field Trip, Green Building (LEED), Marketing & Urban Planning

Topic VII: Leases, Landlord – Tenant Law and Risk Management

Topic VIII: Conservation, Security and Safety Protocols & Zoning Issues

The course participant can make a verbal request of the Instructor to be involved with preparing an optional course paper that can be graded with a letter or numeric grade for the purpose of obtaining a educational reimbursement from an employer or employment program for career development.

THESE CLASSES ARE ONLY ONLINE, AND NOT IN PERSON

Salvador Rozenberg is an experienced professional with a diverse background in architecture, civil engineering, community development, construction, education, leadership, real estate, teaching, urban planning, and youth development. He is interested in senior leadership development, business development, urban design, and data architecture roles in industries such as healthcare, economic development, education, and engineering. Salvador is based in New York (NY) and prefers locations in the Tri-State Area and Florida. He possesses strong skills in leadership, project management, data analysis, and interpersonal communication.

Chapter 16 – Real Estate Taxes and Assessments

• The purpose of property taxation.

• Who may be exempt from property taxes.

• How properties are assessed and by whom.

• How to calculate property taxes.

• How equalization affects property taxes.

• The process property owners follow to challenge assessments.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

This tutoring class can only be taken online, and not in person.

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Chapter 6 – Deeds

• The purpose of a deed.

• Essential elements of a valid deed.

• How to distinguish among the different forms of deeds.

• About a property’s legal description.

• Methods of transferring title.

Chapter 6-A – Real Estate Closings

• The purpose of the public records system.

• The significance of a marketable title.

• The documents necessary for closing.

• Which closing costs are paid by a buyer and by aseller.

• How to calculate prorations.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

We R New York

Chapter 5 – Easements and Liens

• Differentiate types of easements and who benefits fromthem.

• How easements may be created.

• The difference between easements and licenses.

• The difference between encumbrances and encroachments.

• Various types of liens.

• The impact of liens on property.

• Adverse possession and the requirements necessary for it.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

This tutoring class can only be taken online, and not in person.

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Chapter 7 – Estates and Interests

• The elements and characteristics of real property.

• What constitutes real property and personal property.

• The difference between freehold and leasehold estates.

• Alternate ways people can take ownership of realproperty.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Chapter 8 – Land Use Regulations

• How restrictive covenants are created and terminated.

• The purpose of zoning and how it is classified.

• Regulations related to the subdivision of land.

• How land use regulations are enforced.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Loftey

Diversity Equity & Inclusion Training/History (2 hrs) (Remedial)

· Overview of Diversity, Equity, and Inclusion 

· Inclusion DEI in the Workplace 

· History of Fair Housing and NAR Fair Housing and NAR Today 

· Article 10 of the Code of Ethics Equal Professional Services Model 

· Communicating Effectively with Multi-Cultural 

Historical Overview of Fair Housing (1 hr) 

· The History of U.S. Anti-Discrimination. 

o Laws Pre-Civil War Reconstruction Era 

o Reconstruction Era: Jim Crow Laws Early 1900s 

o Depression Era: FHA Creation and Impact 

o Post-World War II Progress End of the Jim Crow Laws 

o Civil Rights Act of 1968 

· Breaking the discriminatory Cycle 

Assistance Animals and Service Animals (1 hr) 

· Federal and State Law Overview 

· Federal Anti-Discrimination Acts Fair Housing Act Rehabilitation Act Americans with Disabilities. 

· FHA Compliance for Assistance Animals

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Mix and match any of our 3.75-hour and 7.5-hour classes to make up your required 22.5 hours.

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Commercial Leasing Terms (2 hrs) (Remedial)

· Commercial Leasing Commercial Tenant Applications 

· Identification screening commercial tenants 

· Evaluating Commercial Applicants. 

· Commercial lease provisions 

Financial Analysis for Commercial Transactions (2 hrs) 

· Characteristics of real estate 

· Cash flow analysis 

· Tax Benefits of investing in real estate 

· Like-Kind exchange · Individual vs. legal entities 

· Commercial lease contracts

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Agency

Chapter 7 – Estates and Interests

• The elements and characteristics of real property.

• What constitutes real property and personal property.

• The difference between freehold and leasehold estates.

• Alternate ways people can take ownership of realproperty.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Implicit Bias (2 hrs) (Remedial)

· Implicit Bias Definitions 

· Definitions of Bias 

· Socialization and Implicit Bias Ingroup and Outgroup 

· What is Bias Affinity? 

· How to protect against lawsuits achieving diversity and inclusion, What Brokers Can Do? 

Recent Development (2 hrs) 

· Provide samples of recent developments in real estate 

· Recent developments in real estate industry that impact 

· Latest real estate trends 

· Challenges faced in the real estate industry

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

Law of Agency (3.75 HRS)

Fiduciary Relationships/Agency/Listing Agreement
Obedience
Loyalty
Disclosure
Confidentiality
Accountability
Reasonable, Skill, Care and Diligence

Agent Authority
General
Special 
Universal
Agent/ Broker Relationship
Creation of Agency
Broker/Agent Compensation
 
Termination Of Agency
Completion 
Expiration of Terms
Operation Of Law
Mutual Agreement
Revocation
 
Agency Alternatives
Single Agency
Seller’s Agent
Buyer’s Agent 
Subagent
Broker’s Agent

Dual Agency 
Written
Informed
Consensual
In Advance
Designated sales Agents
Undisclosed Dual Agency 

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 8 – Land Use Regulations

• How restrictive covenants are created and terminated.

• The purpose of zoning and how it is classified.

• Regulations related to the subdivision of land.

• How land use regulations are enforced.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Chapter 10 – The Valuation and Process and PricingProperties

• Differentiate between comparative market analysis andappraisals.

• Discuss the definition of market value.

• Explain the difference between value, price, and cost.

• Explain how and why a SMA is used.

• Explain the salesperson’s role in the valuation processand pricing properties.

• List the three approaches to determining value.

Chapter 10-A – Real Estate Math

• Measure square footage and acreage.

• Calculate commission.

• Calculate the net to seller.

• Calculate annual interest.

• Calculate percentage of profit and loss.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Cooper & Cooper

Mr. Jordan Cooper, Partner: Jordan was a Top Producer at a large real estate firm for several years prior to co-founding Cooper & Cooper with his brother, Jeremy.  Jordan served as an investment banker at Goldman, Sachs & Co. in the Financial Institutions Group.  His deal experience includes several high-profile transactions, most notably the $3 billion demutualization & IPO of Prudential Insurance, and the $30 billion acquisition of Associates First Capital by Citigroup.  Jordan graduated Summa Cum Laude from Harvard University with a degree in Economics.

Highline Residential

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Chapter 9 – Construction Basics

• Which building codes direct construction in New YorkState.

• The requirements to complete a construction project.

• The major systems that run a home, including heating,cooling, plumbing, electrical, and waste systems.

• The mandated guarantees and warranties for newconstruction and renovations.

Chapter 9A – Environmental Issues and Property Concerns

• What New York State environmental law requires.

• Why the EPA was established and what it does.

• What constitutes wetlands and why they are protected.

• How to recognize common environmental hazards and howto deal with them.

• The real estate professional’s obligations related toenvironmental issues.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Implicit Bias

What is bias?

• What is conscious bias vs. unconscious (implicit) bias?
• Testing our assumptions
• A brief review of the factual and legal basis for requiring all New York rea
• estate professionals to take this training.
• What is a stereotype and how does it fit in the definitions of bias?

Types of Implicit Biases:

• Race and ethnicity
• Age
• Gender
• Accent
• LGBTQ
• Ability
• Affinity
• Beauty
• Name
• Weight
• Disability
• Adultification

Effects of bias:

• Misunderstanding and loss of customers
• Customer dissatisfaction
• “Black eye” for the entire real estate industry

What are Microaggressions and how can we deal with them when we commit one.

Implicit Bias in Real Estate, Government and the Real Estate Industry.

What can we do to respond and address our own implicit biases.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Chapter 9 – Construction Basics

• Which building codes direct construction in New YorkState.

• The requirements to complete a construction project.

• The major systems that run a home, including heating,cooling, plumbing, electrical, and waste systems.

• The mandated guarantees and warranties for newconstruction and renovations.

Chapter 9A – Environmental Issues and Property Concerns

• What New York State environmental law requires.

• Why the EPA was established and what it does.

• What constitutes wetlands and why they are protected.

• How to recognize common environmental hazards and howto deal with them.

• The real estate professional’s obligations related toenvironmental issues.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Chapter 2 – Law of Agency

• Describe ways in which an agency relationship iscreated.

• Identify legal forms of agency in New York.

• Define different types of agency relationships.

• Explain circumstances that may terminate the agencyrelationship.

• Identify the fiduciary duties an agent owes to aclient.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Among the many topics, this class will include:

1. SHORT SALE DEFINED

2. FORECLOSURE PROCESS

3. CREATING SHORT SALE LEADS

4. LENDER’S MOTIVATION IN SHORT SALES

5. SELLER DISCLOSURE REQUIREMENTS

6. SEVEN STEPS TO SHORT SALE PROCESSING

7. HUD-1 SETTLEMENT STATEMENT

8. PROPERTY VALUATION

9. ANALYZING LENDER ASSESSMENT

10. SHORT SALE vs ASSET RETENTION 
    COMPARISON

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Among the many topics, this class will include:

1. BPO Defined

1. 1. BPO-vs-Appraisal
   2. BPO-vs-CMA
   3. BPO-vs-MSR
   4. Interior Inspections
   5. Exterior/Drive-by Inspections
   6. AS-IS Valuation
   7. Fair Market Valuation
   8. AS-IS Repaired Valuation
   9. Probable Sales Price
   10. Suggested List Price
   11. BPO Risk Management
   12. Typical BPO Fee Structure

1. PURPOSE – Why BPO’s Are Ordered
   1. Short Sales
   2. REO Marketing And Pricing Strategies
   3. Bulk Institutional Sales
   4. Relocation
   5. Pre-Foreclosure Evaluation
   6. Legal Disputes: Matrimonial, Business and Tax Appeal
   7. Mortgage Fraud
   8. Seller Pre-Marketing

1. Methodology and Guidelines
   1. Selecting Comparables-Sold and Listed
   2. Bracketing
   3. Calculating Adjustments
   4. Determining Condition
   5. Functional Obsolescence
   6. Environmental, Structural, Mechanical and Cosmetic Issues
   7. Percentage of Homeowners -vs- Renters
   8. Percentage of REO’s -vs- Homeowners
   9. Percentage of New Construction
   10. Percentage of Short Sales
   11. Urban, Suburban and Rural Settings
   12. Neighborhood Geographic Boundaries
   13. Narrative Regarding Subject And Neighborhood
   14. Proper Photos

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Corcoran is so much more than a full service real estate firm. We're a group of talented people with a passion for finding the best way of living. People who make every effort to help you live who you are. This philosophy guides everything we do at Corcoran to help our clients find homes where they can come to life. For 45 years, we haven't just been around the block. We've been around nearly every block of New York City. In 2003, we expanded into the Hamptons and South Florida. Today we are affiliated with over 2,200 independent agents, have 25 offices and sales that have reached more than $21 billion annually.

Chapter 1 – The Independent Contractor or Employee

• Differentiate between employees and independentcontractors.

• Identify the criteria that must be met to be classifiedas an independent contractor.

• Describe state and federal laws related to independentcontractors.

Chapter 1-A – Real Estate License Law

• List the different types of real estate licensecatergories.

• Identify the types of real estate brokers licenses.

• Explain the requirements to become a real estate brokeror salesperson.

• Explain a broker’s responsibility to the salesperson.

• Identify acts that could warrant the suspension orrevocation of a license.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Chapter 10 – The Valuation and Process and PricingProperties

• Differentiate between comparative market analysis andappraisals.

• Discuss the definition of market value.

• Explain the difference between value, price, and cost.

• Explain how and why a SMA is used.

• Explain the salesperson’s role in the valuation processand pricing properties.

• List the three approaches to determining value.

Chapter 10-A – Real Estate Math

• Measure square footage and acreage.

• Calculate commission.

• Calculate the net to seller.

• Calculate annual interest.

• Calculate percentage of profit and loss.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Join Zoom Meeting - https://zoom.us/j/9425292516

A Notary Signing Agent is a Notary Public who is hired as an independent contractor by either a real estate lender, a closing agent (i.e., a title or escrow firm), or a signing service to ensure that loan documents are delivered to and signed by a borrower, then notarized as necessary and returned for processing in a timely manner. **A Notary Signing Agent is very different from a closing agent. Closing agents prepare and complete documents and perform other tasks needed to complete real estate transactions. Signing agents do not draw up documents, disburse funds or provide title abstracts - they serve as impartial witnesses for signings

Learn about "ENJOA (Electronic Notary Recordkeeping)

- Appointment And Qualifications
- Public Officers Law
- Powers And Duties Executive Law
- Real Property Law
- Restrictions And Violations Judiciary Law
- Executive Law
- Penal Law
- Definitions & General Terms
- PRACTICE EXAM GIVEN

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Chapter 4 – Law of Agency

• Other Types of Disclosure and Antitrust Laws

https://zoom.us/j/3237166005

Implicit Bias

What is bias?

• What is conscious bias vs. unconscious (implicit) bias?
• Testing our assumptions
• A brief review of the factual and legal basis for requiring all New York rea
• estate professionals to take this training.
• What is a stereotype and how does it fit in the definitions of bias?

Types of Implicit Biases:

• Race and ethnicity
• Age
• Gender
• Accent
• LGBTQ
• Ability
• Affinity
• Beauty
• Name
• Weight
• Disability
• Adultification

Effects of bias:

• Misunderstanding and loss of customers
• Customer dissatisfaction
• “Black eye” for the entire real estate industry

What are Microaggressions and how can we deal with them when we commit one.

Implicit Bias in Real Estate, Government and the Real Estate Industry.

What can we do to respond and address our own implicit biases.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

https://zoom.us/j/3237166005

IPRG

Cultural Competency For Real Estate

1. What is Cultural Competency?
2. Who IS the World?
3. How the norms of differing cultures can lead to confusion and misunderstandings in business and personal relationships?
4. Stages of cultural competency.
5. Develop culture-specific appropriate responses.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

Chapter 17 – Condominiums and Cooperatives

• What a condominium is, how it is developed, and how itoperates.

• Considerations which condominium purchase andownership.

• Requirements for the sale and purchase of cooperatives.

• How condos and co-ops differ.

• How a condop is created.

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

This course covers basic fair housing principles which salespersons and brokers are expected to know and practice. The course also examines the Federal, State, local and regulatory codes that shape fair housing as we know it.

Students will gain a deeper understanding of the law by reviewing historical origins and social objectives. The course begins at the time in America when we had "unfair housing," in other words, people living in the forced servitude of slavery. The historical account continues through the Civil War, the Civil Rights era, and the Women's and Disabilities movements to the present day. Landmark Supreme Court cases are also covered in detail, along with examples of enforcement in the real estate industry. This timeline is intended to clarify, amplify and dramatize the laws we follow in real estate practice.

In licensing classes, students were required to memorize fair housing laws and court decisions. In this class, they learn why and how these historic strides were made. Techniques for upholding fair housing law also will be discussed in detail.

Among the many topics, this class will include:
Fair Housing Concepts
Brokerage practices
What Housing is Covered under Fair Housing?
Definitions: "Protected Groups", "Profiling" etc.
Megan's Law
History and Legislation
Federal Laws
Supreme Court Cases
Plessy v. Ferguson, Buchanan v. Warley, Brown v. Board of Ed., Shelley v Kraemer, Jones v Mayer
NY State Legislation and Local Laws
ADA Americans with Disabilities Act
NYC Fair Housing Protections
How Real Estate Licensees Can Support Fair Housing

https://us02web.zoom.us/j/5526351915

Chapter 18 – Property Management

• Licensing requirements for property managers in NewYork.

• What skills are necessary to be a successful propertymanager.

• What comprises the management agreement used to set upand support property management.

• Which budgets and reports property managers mustdevelop and analyze.

• How to effectively advertise, market, and lease managedproperties.

Take Erik's Classes Here - https://us02web.zoom.us/j/7016646690

Law of Agency (3.75 HRS)

Fiduciary Relationships/Agency/Listing Agreement
Obedience
Loyalty
Disclosure
Confidentiality
Accountability
Reasonable, Skill, Care and Diligence

Agent Authority
General
Special 
Universal
Agent/ Broker Relationship
Creation of Agency
Broker/Agent Compensation
 
Termination Of Agency
Completion 
Expiration of Terms
Operation Of Law
Mutual Agreement
Revocation
 
Agency Alternatives
Single Agency
Seller’s Agent
Buyer’s Agent 
Subagent
Broker’s Agent

Dual Agency 
Written
Informed
Consensual
In Advance
Designated sales Agents
Undisclosed Dual Agency 

https://us02web.zoom.us/j/5526351915

Highline Residential

Chapter 19 – Commercial and Investment Properties 1

• License requirements for commercial real estate.

• Considerations for different types of investmentproperties.

• How rent is calculated on commercial space.

• How commercial leases are structured.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

Among the many topics, this class will include:

This course will cover the laws concerning residential and non-residential tenancies in New York. It will address the rights and obligations of owners and occupants. The course will analyze lease provisions of rent-regulated apartments and commercial properties. The termination of the landlord-tenant relationship including legal proceedings will be discussed in detail.

THESE CLASSES ARE ONLY ONLINE, AND NOT IN PERSON

Salvador Rozenberg is an experienced professional with a diverse background in architecture, civil engineering, community development, construction, education, leadership, real estate, teaching, urban planning, and youth development. He is interested in senior leadership development, business development, urban design, and data architecture roles in industries such as healthcare, economic development, education, and engineering. Salvador is based in New York (NY) and prefers locations in the Tri-State Area and Florida. He possesses strong skills in leadership, project management, data analysis, and interpersonal communication.

Among the many topics, this class will include:

This course will cover the laws concerning residential and non-residential tenancies in New York. It will address the rights and obligations of owners and occupants. The course will analyze lease provisions of rent-regulated apartments and commercial properties. The termination of the landlord-tenant relationship including legal proceedings will be discussed in detail.

THESE CLASSES ARE ONLY ONLINE, AND NOT IN PERSON

Salvador Rozenberg is an experienced professional with a diverse background in architecture, civil engineering, community development, construction, education, leadership, real estate, teaching, urban planning, and youth development. He is interested in senior leadership development, business development, urban design, and data architecture roles in industries such as healthcare, economic development, education, and engineering. Salvador is based in New York (NY) and prefers locations in the Tri-State Area and Florida. He possesses strong skills in leadership, project management, data analysis, and interpersonal communication.

Chapter 20 – Commercial and Investment Properties 2

• Characteristics of real property investment.

• How risk affects property investment.

• The components of the cash flow model and how it isapplied to most investment opportunities.

• How to evaluate the income potential of an investmentproperty and determine its value to an investor.

https://us02web.zoom.us/j/515824493

Password: 123456

Kristen is also a dedicated educator. She wrote the 1st environmental building course accepted by NY Dept. of State. At the request of State University of New York, she created a  Corporate Sustainability curriculum, the first of its kind to be offered at a major university.

This tutoring class can only be taken online, and not in person.

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Chapter 16 – Real Estate Taxes and Assessments

• The purpose of property taxation.

• Who may be exempt from property taxes.

• How properties are assessed and by whom.

• How to calculate property taxes.

• How equalization affects property taxes.

• The process property owners follow to challenge assessments.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

We R New York

Chapter 15 – Municipal Agencies

• The administrative divisions within New York State.

• The roles and responsibilities of municipal agencies inNew York State.

• How these agencies can help you as a real estateprofessional.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

This tutoring class can only be taken online, and not in person.

Take Don's Classes Here - https://us02web.zoom.us/j/9930381930

Donald began his lucrative career in 1980 as a mortgagebroker, arranging real estate loans for residential and commercialclients.  Through the years, he hasworked extensively in the mortgage, property management, and real estate industriesin New York City.  In 2006, he became alicensed mortgage and real estate instructor, who has authored and obtained NYDepartment of State approval for over twenty different courses, with topicsincluding Real Estate Salesperson/Broker Licensing, Tax Liens, and Real EstateInvestment Strategies.  Most notably, heco-authored the NMLS-approved textbook for the New York State-Licensed MortgageLoan Originators on the topic of continuing education requirement, which waspublished by Hondros Learning in 2013.

Donald’s approach to education integrates real-worldexperiences from his rich background and expertise in the fields of Mortgage,Property Management and Real Estate.  Heteaches a variety of disciplines such as the Real Estate Salesperson LicensingCourse, Mortgage Loan Originator Licensing Course, and various ContinuingEducation courses.

Chapter 11 – Human Rights and Fair Housing

• Describe the evolution of fair housing laws.

• Identify examples of discrimination.

• Explain federal Fair Housing Laws and practices.

• Define elements of the Americans with Disabilities Act.

• Utilize acceptable advertising guidelines.

• Identify implications of violation fair housingmandates.

• Describe the elements of New York State law related tofair housing.

• Recognize the authority of the New York Civil RightsCommission.

Take Vincent's Classes Here - https://us02web.zoom.us/j/2258533528

Chapter 18 – Property Management

• Licensing requirements for property managers in NewYork.

• What skills are necessary to be a successful propertymanager.

• What comprises the management agreement used to set upand support property management.

• Which budgets and reports property managers mustdevelop and analyze.

• How to effectively advertise, market, and lease managedproperties.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Implicit Bias

What is bias?

• What is conscious bias vs. unconscious (implicit) bias?
• Testing our assumptions
• A brief review of the factual and legal basis for requiring all New York rea
• estate professionals to take this training.
• What is a stereotype and how does it fit in the definitions of bias?

Types of Implicit Biases:

• Race and ethnicity
• Age
• Gender
• Accent
• LGBTQ
• Ability
• Affinity
• Beauty
• Name
• Weight
• Disability
• Adultification

Effects of bias:

• Misunderstanding and loss of customers
• Customer dissatisfaction
• “Black eye” for the entire real estate industry

What are Microaggressions and how can we deal with them when we commit one.

Implicit Bias in Real Estate, Government and the Real Estate Industry.

What can we do to respond and address our own implicit biases.

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 17 – Condominiums and Cooperatives

• What a condominium is, how it is developed, and how itoperates.

• Considerations which condominium purchase andownership.

• Requirements for the sale and purchase of cooperatives.

• How condos and co-ops differ.

• How a condop is created.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.

Agency

Cultural Competency For Real Estate

1. What is Cultural Competency?
2. Who IS the World?
3. How the norms of differing cultures can lead to confusion and misunderstandings in business and personal relationships?
4. Stages of cultural competency.
5. Develop culture-specific appropriate responses.

Take Vince's Class Here - https://us02web.zoom.us/j/5179624609

Chapter 12 – Contracts and Contract Preparation

• Basic concepts of contract law.

• The essential elements of a valid contract.

• How the statute of frauds applies to contracts.

• How contracts may be terminated.

• What information is needed to prepare a sales contract.

Chapter 12-A – Leases

• How to distinguish among the different types ofleasehold estates.

• The purpose of different types of lease options.

• How covenants affect lease contracts.

• How leases may be terminated and when it is acceptableto begin the process of eviction.

• The difference between rent control and rentstabilization.

Take John's Classes Here - https://us02web.zoom.us/j/9425292516

John has been in the Real Estate and Finance industry since 1989.He started his finance career at American Funding a Brooklyn based mortgage Brokerage company.  He became the manager for the Sheep’s head bay branch and Developed American Funding’s Commercial Department.  It was John’s love of the complexity of commercial Finance that move him to seek out Commercial financing companies.  He became a Managing director at Marine Merchant international bank based in Long Island to learn more about commercial and business loan financing.  From there John moved to become a branch manager for GHMC, and then built a commercial Branch for All Money Mortgage Bankers before finding his home at Diversified financial.

He started Diversified Residential and Commercial Services 11 years ago after his partners retired, and holds his NY Real Estate Brokers license since 2004 and His Pennsylvania Brokers license since 2012. Diversified is a  Full service real estate brokerage company and also a Commercial and residential mortgage brokerage company.  John has financed 100’s of Millions of dollars of properties in 39 of the 50 states in the country, with his largest financing transaction to date of $22,800,000.