Bài viết bởi James Chae — Đồng sáng lập, Expert Sapiens
Môi giới bất động sản được cấp phép · Hàn Quốc25 năm kinh nghiệmSeoulHomes.kr
Chuyên môn trên nền tảng: Tư vấn bất động sản · Rà soát lần cuối Tháng 4 2026
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Real estate is one of the largest financial decisions most people ever make — and one where the advice you get is often compromised by commission structures. This guide helps you find a truly independent real estate expert who will tell you what you need to hear, not what moves the transaction forward. The National Association of Realtors (NAR) requires members to disclose material conflicts of interest, but commission-based compensation structures can still create subtle misalignments worth understanding before you engage an advisor.
The largest real estate professional body in the US — verify agent membership and credentials.
Official US Government guidance on the home buying process, including working with advisors.
Dùng các câu hỏi này trong cuộc gọi làm quen hoặc buổi đầu tiên để nhanh chóng đánh giá mức độ phù hợp và chuyên môn.
1.Have you advised on properties similar to this one — same type, price range, and market?
Vì sao điều này quan trọng: Real estate is intensely local and type-specific. A residential advisor may be poorly positioned to advise on commercial; a suburban market expert may not understand urban dynamics.
2.What comparable sales or rental data would you use to evaluate this property, and what do they show?
Vì sao điều này quan trọng: Gets you into the actual analysis immediately. How they answer reveals whether they're working from data or instinct.
3.What's the biggest risk in this deal that I might be underestimating?
Vì sao điều này quan trọng: Independent advisors who see deals regularly know where buyers and investors typically get hurt. This question surfaces those risks directly.
4.If this were your money, would you proceed — and on what terms?
Vì sao điều này quan trọng: Forces a direct opinion. Advisors who hedge everything aren't giving you what you're paying for.
5.What would you negotiate differently in this deal, and what's your basis for that?
Vì sao điều này quan trọng: Negotiation guidance is often the highest-value output of a real estate consultation. This tests whether they have specific, defensible views.
Real estate consulting sessions are direct and numbers-focused. Your expert will review the specific property, market, or decision you're facing — analyzing comparable sales, cash flow potential, risk factors, and negotiation strategy. You'll leave with a clear-eyed view of the opportunity, not a sales pitch.
Cap Rate (Capitalization Rate)
Cap rate (capitalization rate) is a real estate metric that measures a property's annual net operating income as a percentage of its purchase price. It is one of the most widely used tools for comparing investment properties and estimating potential returns.
Loan-to-Value Ratio (LTV)
Loan-to-value (LTV) is the ratio of a loan amount to the appraised value of the asset securing it. LTV = Loan Amount ÷ Property Value × 100. Lenders use LTV to assess risk: the lower the LTV, the more equity the borrower has and the lower the lender's risk. Most commercial real estate lenders cap LTV at 65–80%; residential at 80–97%.
Due Diligence
Due diligence is the process of thoroughly investigating a person, company, or asset before entering into a significant transaction or agreement. It is most commonly associated with mergers and acquisitions, investments, and real estate transactions.
1031 Exchange
A 1031 exchange (named after IRS Code Section 1031) allows real estate investors to defer capital gains taxes when selling an investment property by reinvesting the proceeds into a like-kind replacement property. Properly executed, it can defer taxes indefinitely.
Bài viết bởi James Chae — Đồng sáng lập, Expert Sapiens
Chuyên môn trên nền tảng: Tư vấn bất động sản · Rà soát lần cuối Tháng 4 2026