Download My Option Agreement…
Man, you guys sure love to swipe our stuff!
I mean, based on the gratitude galore we got from sharing one of our favorite motivated seller postcards recently, it seems pretty clear that the old “Swipe and Deploy” is something we should keep rolling with.
So let’s do another one…
Today’s handy-dandy resource is one of the core essentials every investor should have in your tool-belt–the Option to Purchase Agreement, or “option contract” as it's often called.
But I gots to tell ya — just having this form in your bag of tricks isn't enough… You’ve got to understand it's purpose and how to effectively wield it. Which is exactly why I made you this little video about it.
The essentials on option contracts
In this video you'll learn:
⇢ What an option agreement really is (and what it's not)
⇢ Who exactly is obligated (and who is not)
⇢ Common uses and best practices for deploying this in your day to day business
⇢ Why I don't typically recommend “lease options” as a buying strategy
⇢ Stuff like “equitable interest”, “principal interest” and your “bundle of rights”
⇢ What you can and can't do with an option
⇢ How to fill it out, step by step
If you don't care to know all that, then just feel free to download the form and add it to your arsenal (see below). But for those who want to learn the ropes on how to use this thing, this video will help you wrap your mind around what this is and how to best use it.
Press play…
Video Transcription:
Hey, what's up guys? JP Moses here. AwesomeREI.com—real estate investing for awesome people.
Today, I want to share with you a document that is critical in our real estate business. It is the right tool to pull out at the right time when a purchase contract just doesn't quite make sense. It's the option agreement.
You need it in your business, and I'm going to give you mine—the one that we use in our business—with a small disclaimer that you need to run it by an attorney and make sure it's kosher for your area.
Now, why am I doing this?
#1: These documents are important, and I want to share them with you. We like to let you swipe and deploy our stuff. It's part of our culture here at AwesomeREI. So we're gonna let you swipe and deploy this option agreement and your business.
#2: You need to understand how and why to use it and when to use it.
So, what I want to do first is walk you through what an option contract is:
- Why do you need it?
- When do you use it?
- How do you use it?
And then we're gonna walk through the document itself—I'm actually gonna show you how to fill it out. Now if you want to get the document, you're going to need to go to this post on our website, scroll down and leave a comment on the page. After you leave the comment you will get our document—a little give and take.
So you've got to go there and you gotta engage with us. Just leave us a comment. Details are on the page. After you leave a comment, you'll get access to my Option Agreement. You can swipe it, deploy it, and use it in your own real estate investing business to your heart's content.
Okay, let's jump in and take a look at my Option Agreement or The Real Estate Auction Contract.
Before I run through the document and it's very simple agreement, I'll show you exactly how to fill it out and tell you what I think are the best practices for doing so.
First, I'm going to run through what an option is. I don't want to assume anything. I know some of us are already interactively using options and maybe this is just going to be another form in your arsenal…
Others are coming right into this thinking, ‘I don't even know what the difference is between an option and a contract. What the heck is this so that I know how to use it?!’ So I'm going to cover that so you're armed and equipped to be able to swipe and deploy this little goody.
But first I gotta give you the standard disclaimer—it's always true, and I always try to remember to say it:
I am not an attorney. Even more importantly than that, I'm not your attorney.
Please consult your own legal counsel before you apply this. Just consider it for entertainment purposes until you consult your own attorney. Do your own due diligence. This is your business. Treat it like a business. What I'm going to describe may or may not work exactly the same way for you. Do what you need to do and get your docs checked out.
Okay, so the Real Estate Option Contract defined…
A real estate option agreement is a written contract between two parties—
the optionor, which is the seller of the property, and the optionee, which is typically the buyer or the potential buyer—in which one party buys the right to have the first chance of purchasing a piece of property at a specific price at some point in the future.
Now there's a reason that the right is in italics. I'm emphasizing you are not buying the property, necessarily. You're buying the right to buy the property. Therefore, it is your option. Get it?
So point #1: It’s the buyer's option not obligation to buy.
The seller, however, in a standard option contract like the one you're about to see, does have an obligation to reserve the property for you. And that is something called a Unilateral Agreement.
For those of you who've been through any kind of Realtor training or contract law class, you've heard of a Bilateral Agreement and a Unilateral Agreement. Bilateral means it is obligating to both parties the optionor the optionee in this case, or the buyer and the seller.
Side Note: If you ever get confused, just remember that the optionor is the give-or of the option, and the optionee is the receivee, the person receiving the option.
Okay, an option agreement typically is a Unilateral Agreement, meaning only one person, only the optionor—the giver of the option—is obligated to reserve that property under the terms of that option agreement for you.
For X amount of time, you don't have to buy—you have the option to buy during the term of the option agreement. Also, standard contract law applies even though this is not a purchase agreement or a purchase contract, it is still a contract.
So any of the standard stuff in a contract like a contract expiration date, for example. In Tennessee, a contract has to have an expiration date in order for it to be valid. If it doesn't, then it's not a valid contract. Legal consideration has to be exchanged for a contract to be viable. So keep that in mind—standard contract law applies to the option contract.
Also the option can be extended, it can be assigned, and it can be amended unless expressly prohibited.
Okay, if you're wholesaling, a lot of people will write their name as the buyer and then write “and/or assigns” afterward, which a lot of folks seem to think is what gives them the right to possibly assign that contract over to somebody else…
I'm not going to get into what assigning is if you don't know, but really by default, any contract is already assignable. It's extendable, it's amendable by default unless it expressly prohibits it. So keep that in mind
And as I said already: consult your attorney with whatever contracts you decide to incorporate into your real estate investing endeavors.
And, I would suggest you take a contract law class. I did that when I became licensed. And I've been through seasons. I'm not currently licensed. I was licensed for a number of years and there's pros and cons. That's a whole different conversation in and of itself…
But I remember when I first got licensed back in 2004, and one of the classes I took was a contract law class taught by a real estate attorney at the local Board of Realtors. It was two and a half hours, one long afternoon, and I learned a lot about what a legal and binding agreement makes. I recommend it. It's not exciting, but it's a good investment of a couple of hours and you don't have to be.
A lot of people don't know this, but you don't have to actually be a Realtor in order to take classes at your local Board of Realtors. You can just pay a fee. Usually it's a little higher fee than the members of the board, but you can just pay a fee and attend one of those classes. So look into that. That's my recommendation.
Common uses of an Option Agreement. Well, getting equitable interest with little or no risk. Now, an equitable interest is legal interest in a property, and it's something that you need in order to be able to market a property for sale before you actually buy it. I know this may sound a little technical. But this is important.
When I went to the Realtor school, this is the way it was explained to me: Property ownership is not one thing.
It's best to not think of property ownership as just one big right that you have. Instead, you should think of property ownership as a bundle of rights, kind of a bundle of sticks…
Imagine that you're holding a bundle of sticks under your arm. Maybe there's two dozen sticks under your arm. And each stick is a different aspect of property ownership. One stick might be mineral rights, one stick might be rights of easements—there's different aspects to property ownership and, cumulatively, the bundle of sticks—the bundle of aspects of ownership form this thing that we call property ownership.
Now I'm talking specifically to wholesalers here, you know the deal: You want to put a property under contract of some sort and you want to flip that thing before you even close on it.
You can't legally do that unless you have one of those sticks from that owner’s bundle. And the way you get one of those sticks in your possession is to get a contract or an option on the property, secure that, and then you now have equitable interest.
So it gives you the ability to get that equitable interest with really little or no risk to yourself. It's less risk than if you had a Purchase Agreement in place and you can market it for resale. As I said, you are a principal in the transaction. That's why you have that right. So it is a lower risk than a Purchase and Sale Agreement.
A lot of times, you'll hear the option used in conjunction with a lease called a lease option. And typically, a best practice for a lease option is: You have a lease and separately have an Option Agreement. I think it's a great way to sell property in a lot of cases.
It's kind of a rent-to-own type scenario where you can rent a property to somebody, give them a two-year option, and then maybe give them some rent credits that count toward their down payment.
And “owner financing substitute” or “owner financing light” is maybe one way to think about it. It's not a method that I particularly recommend for buying, because I think you don't have enough control in the transaction, unless it's a very short-term lease option. (I wouldn't recommend a long-term lease options for investors, but that's just me.) And I do think it is a solid exit strategy—lease options, specifically.
One great approach to using an option is:
- Find a good deal
- Tie it up with an option (and I mean tied up ethically). Get your equitable interest in return for having an option agreement in place, but always be honest when you put an option on a property—don't make the owner believe that you're going to be closing with certainty, that you’re going to be buying this property. Just be honest and say:
“You know, I'm not sure if this is going to be a deal or not. I have a network of investors I work with, and I’ve got to talk to a number of them and see if any of them are interested in partnering with me on this. So give me an Option Agreement so that'll give me time and the equitable interest that I need to be able to shop this around to my partners and see who's interested.”
I think that's a real honest, ethical way to go about it.
Side Tip: If your seller is nervous about letting you tie up the property with an Option Agreement, one of the things that you can do to skirt around that is to incorporate a secondary offer cancellation with a right of first refusal clause. Basically, that's a clause that in so many words is going to say:
“Mr. Optionor/seller property owner guy, let's do it this way. Give me the Option Agreement so that I have the equitable interest I need, but if somebody brings you another offer and it's better than my offer, then I will give you the option to cancel the Option Agreement. I'll give you the choice to cancel our Option Agreement as long as I get a right of first refusal to match that person's price.
So if I got an option for $100,000 on your property and somebody comes along and offers $101,000, you can't just take their offer. You have to come to me and say, ‘Hey, I haven't been marketing the property, but somebody brought me an offer for $101,000,’ and then I have to either match that and close or we can just part ways. Match their new offer or release them.”
It really can be a great way to help mitigate the seller's risk in those situations. This gives the seller the peace of mind that they need, and it gives you the equitable interest that you need to be able to go out and make a killer deal.
So having said that, let's jump in and I'm just going to blast through this agreement. It's very short and concise. It's not going to take long to go through.
So here we are with our Option to Purchase Agreement. Now I should say this is a standard option. It's a simple plain English option. This Option Agreement is made between the following parties, and of course, you're going to fill in the giver of the option. You're going to fill in their full name and after that, they’ll be ‘referred to as the optionor of the property. And under that is the optionee, that's the receiver of the option.
Next it reads: The following items are applicable to this agreement:
- The optionor agrees to grant an option to purchase to the optionee, the land and improvements known as XXX, which is where you put the full street address with city, state and ZIP.
- Optionor agrees that he/she will not attempt to enter into any other negotiations or returns for the sale of this property with any other party while this agreements in effect. If optionor receives any other independent offers on this property option, you will be notified immediately. (This is not quite the clause I was telling you about that gives the right of first refusal, but it’s close. It lets them know that you don't want them to going out marketing the property, but if somebody brings an offer, you’ve got to be notified immediately.)
And a lot of times, I can just verbally tell them that at that point I'll either match their offer or release them. And then sometimes, I'll actually put that part in writing if I feel like I need to.
- Upon agreement, the option would begin on the date of XXX and end on the date of XXX.
Meaning, you might sign this agreement today, but the option might not take effect until tomorrow for whatever reason. Basically, you need to have a definite starting and ending date for your option period… a couple of years, couple months, whatever seems to make sense on your transaction. So that's going to be your beginning date and the end date of your option.
- Purchase price will be XXX, and payable by certified funds at settlement.
Now let me say this—even though you're putting some of the details that you would put in a contract into this option, if you decide to come back and exercise your option to purchase, then you actually still have to put a Purchase Agreement in place.
So this is like a holding document in a sense. It's not a replacement for a Purchase and Sale Agreement later on. And it basically says, if you do go to contract, XXX is the amount of the property ($100,000 or whatever that you decide) to secure the option.
- Optionor grants optionee access to the above property for showing to prospective buyers,
contractors or appraisers.
Of course that's important! If you put an option on a piece of property, you’ve got to have access to the property.
- Optionor must maintain proper insurance on the before mentioned property.
Clearly it's important that they keep their insurance in place. I don't want them to think that I'm insuring it. They still own the property, so they should keep it insured.
- If the optionee purchases the property, the optionor will pay all closing costs.
Now this is obviously slanted in my favor, and usually what I'll do is I'll strike through that as an act of goodwill and say, “You know what? Let's just say that we'll split the closing costs or I'll pay the closing costs.”
It makes me look good to scratch through that one and say “optionee will pay all closing costs” or scratch through this word and write “optioned” and just let them know I'm willing to do that.
- Optionor grants this option for the consideration of $10 and other valuable consideration.
This is just basically a formality. This is the consideration that you're going to be putting down now depending on the deal and what you're negotiating and how savvy your seller is. You may have to put a thousand dollars option consideration down. This is what you risk.
Whatever you put down is what you have at risk. It's not an earnest money deposit, meaning, if you don't exercise your option, you don't get this back. This is a fee that you are paying for the privilege of holding an option on this property for xX amount of time.
Now $10 typically works with mom-and-pop sellers when you say, “I don't know if I have a deal here or not. I need to talk to people about whether or not they're going to be able to partner with me on this. Give me an option so I have the ability to go do that.”
Then I say, “$10 is a formality,” and I hand them a $10 bill. If you're dealing with some guy who owns a crap-ton of land like a few acres at the bottom of a planned interstate exit, then you're gonna have to put some down for a more serious option consideration.
It's not a deal killer, you’ve just got to see if it makes sense for the deal.
Fun Fact: I learned that there's other things besides money that can be legal consideration for an agreement like this. In fact, in Tennessee, love and affection can be considered legal consideration. I'm not sure how you document that, but it is legal.
The last thing you're gonna want to do, of course, is have the optionor or the owner, and you, sign and date the contract. And typically, rather than just having their names in cursive, I'll write out in manuscript underneath the cell phone numbers for each person.
And really that's it. What I love about this agreement is it's simple, it's plain English, it's all in one page. It's very unintimidating and not filled with legalease. So I like it for that reason too.
Now there's other option agreements out there. There's one you can get from your Board of Realtors that's probably 10 pages long and full of all kinds of bloat. So you could just use that standard Option Agreement and just scratch out what you don't like and add in what you do like and make it what you want it to be.
But ours is a simple one that you can use. And I hope this has been helpful to you.
If you have any questions at all, anything, please leave a comment. I love answering these questions, so leave us a comment with any questions or comments or remarks.
If you've had experience using an option and you have any comments that you want to throw in on your experiences, please do that as well. Thanks guys, JP out.
How to download my Option Agreement
First off, I’d like to ask a small favor:
Would you please “Like” our Facebook page if you haven’t done so already?
We actually posted the video above on our Awesome REI Facebook page, so if that’s how you got here, and you already “Liked” us there – well thanks for being awesome!
Otherwise, before swiping my Option Contract for your own arsenal, I’d be thankful as a monkey with a peanut machine if you’d kindly hit the “Like” button on our little Facebook widget thingy. Doing this will most definitely make you awesomer and probably better looking too.
Next, do this…
Ok, so how do you get your little paws on my Option Agreement? Easy peasy. Just leave a comment below sharing ONE THING you'd like us to give you in a future “Swipe & Deploy” post, and then Chuck Norris will hand it to you.
Nope, not kidding.
We all love to score a good tool or resource like this, right? Be it a form, contract, marketing piece, script or “what-have-you”… Something that’s already been time-tested and proven to work.
So here’s how this goes:
Step 1. Engage with us by sharing (in the comments below) at least ONE THING you’d personally really love to see us give away in the future as a “Swipe and Deploy” like this. We’ll take every single suggestion into consideration.
Step 2. Once your comment’s posted – viola! Chuck Norris congratulates you with a free download of my Option Contract.
So what are you waiting for?
Let’s do this. Leave your comment below. And don’t forget to be awesome.
Great Information. Thank You so much.
I love to see how to get help with loan that can help with your deal .
JP you always offer great RE tools for Investor success! Gratitude!
The option to purchase is great! But is there such a thing as first right of refusal when you sell, but would like to re-purchase the property if your buyer ever wants to sell?
Completed the completed the course, but will be reviewing again. Thank you so much for the clarity! I agree with some of the others above–a session on tax advantages would be terrific.
Some recourses on how to calculate repairs, upgrades. That’s what scares me, the most. Everything else is pretty “clear cut”. :o0
I’m Looking Forward to More Enlightening Videos From You Guys.. Definitely Helps Me Understand Things More!
Really Nice. Rental Property agreement
Thank You
So useful when you have a rental property that the tenant wants to have a purchase option. Or when you are the buyer/renter who is hoping to eventually purchase.
Great information and good training for success. So many different area’s of dealing with real estate. Now on to finding the deals.
I now know what to do with my option to purchase,thanks for explaining so well can you please send me the option to purchase agreement thanks again
Great I’m so excited on getting this going I just purchased it today and I feel like I’m.late for the game ,ready to learn everything needed .so please send me my option to purchase agreement.thanks so much. Also I am in bham Al.i wasn’t sure if you needed that info
Your posts and downloads are a major upgrade to what I have been doing. Perhaps add some contract materials for wraps?
clear and concise!
I bought this course a little while ago and put it down. I am now ready to delve into it and work it in order to make some substantial money for my family.
Looking forward to the opportunity…..
I enjoyed reading your materials on Option to Purchase Agreement vs Purchase Agreement which you stated, “by default, any contract is already assignable. It’s extendable, it’s amendable by default unless it expressly prohibits it.” And I believe the reason we weren’t granted immediate downloads access because you knew we would not read the materials but, instead, we would jump straight to downloading the materials. Thanks for the step-by-step instructions. What I would like to see is a better way of retrieving scripts, and other downloadable materials in order, to start making offers.
Great info 4 a beginner like me! Thanx!!! Keep it coming!!!
Always love your information and I look forward to use this.
A step by step roadmap to do deals might be a good giveaway considering those who have never really done any real estate transactions before, considering all the information that you and Cam provide.
Great information! Thank you so much JP.
I am looking forward to learning and earning some money. I want to do everything correctly, so i will be asking a lot of questions. Thank you for making this fun!!
You guys are awesome!
This template is awesome!
Great insight to the contacts.
This template is awesome! Thank you and God bless you.
I love how simple and straightforward this is
Great information looking forward to using it
I appreciate your education your quite the character.
Hi. I just recently purchase Cameron Dunlap and Awesome REI last month. I’m still trying to get things in order and process everything. I have yet to make offers here in GA but I’m doing my due diligence with Real Estate Attorney’s/Agents as to what’s require to use for Purchase and Sale Agreement docs. After watching your video on the step by step application of P&SA, would like to get a copy of it if possible. I’m excited and nervous but ready to make my first deal. Thank you for all that you’re doing to help folks like me to get started in investing in Real Estate.
I am not happy with all your ridicules lead on’s All you do is lead me from one site to another I keep going in circles but guess what NO download links to be seen! Give me a clear link to click or Be honest up front that there are no free downloads!!!
You are the best in Rei Buisness
One thing that I’d like to see in a future “Swipe & Deploy” post is an email template for people like me who utilize MailChimp to market to people, especially towards Motivated Sellers and Motivated Cash Buyers 🙂 I also just learned Systeme.IO (AI funnels), so maybe some online funneling marketing material might be useful for us newbie tech-y wannabes 🙂
Would like to get immediate downloads for all the needed contracts please
I can’t wait to get started using it. I’ve been looking forward to this.
I can’t wait to get started. This opportunity could not come
at a better time. I always wanted to get into real estate
and now i’m doing it.
Working on deal now. Information thus far has been nothing short of helpful! Thank you all!
Gotta love your style of sharing the wealth of knowledge you give freely. Especially the DAD jokes
This is a simple form to use and easy to understand. Thank you!
71 years old, pretty much computer illiterate, with no real estate experience, and excited about this new chapter in my life. Thanks so very much for the help that these templates offer! You, sir, are awesome!!
you guys are great thanks for sharing
Lot’sof good info, thank you so much
Thank you JP for all the awesome resources, I’m ready to “SCALE.”
HI JP, Was going through emails deleting them when I came across your Awesomerei site. I always wanted to read them but work got in the way.
Really appreciated your Options Contract. I will be tuning in now that I know more about real estate, it is making more sense to me now. I wasn’t able to down load but maybe I will try again another time.
Sincerely,
Rhonda Taylor
Hi JP,
I would be interested in motivated seller scripts that I can use to close deals. Thank you, Darius
Where is the Option agreement
Thanks JP
Love all of your info – soooo helpful!
Thank you phone script (for those who forget to do this at the close of a deal).
Thank you so much. I just got my printer connected after trying for weeks. I am so far behind downloading these goodies. Thank you again. I need all the downloads you provided and more. LOL
Hi you guys are really awesome for helping people .
and Im glad I chose this program simple and easy lots of supports
thank you.
Great info. If you have a Subject To template that would be great
Been (self)learning every bit of info I can absorb about REI the last few months, and am very appreciative of the tools/templates y’all have basically (without shoving it in my breakfast every morning) handed me things I was having trouble getting my bacon wrapped around; for that I’d like to say Thanks Team, looking forward to our next check in lol
Not sure yet I’m just doing my 1st. deal.
The information is priceless! Is there a step by step check list we use to cross our Ts and dot our Eyes LOL?
Thanks for the document, this will be awesome
Helpful, concise information on LO agreement. Would appreciate “subject to” agreement if you have one to recommend. Thank you.
Thanks JP. you and your team are always on target.
Nice and simple agreement
Contract Law class is a great idea, thx,
Don’t know what an options contract is, but I want one. In fact, I want it all, and I want it now! Thanks JP, you are an exceptional being, and very generous I might add. Good Job.
I’m part of 2 programs with Awesome. Hit me up there, JP!!!
Looks like great info. Looking forward to using this. Thanks so much!
Good to use for investing
JP, I’m learning so much from AWESOME! Thanks!
never really understood how and when to use an options agreement before this. Thanks, JP!
Good information. I appreciate the thorough discussion.
Thank You! Definitely awesome team.
you guys got everything covered, keep up the good work.
looking forward to using it on my deals
excellent video explains a lot
I was wondering if you had any other investors in the Houston TX area. As a newbie, it would be nice to have someone to squad up with
Looking fwd to using it
Thanks Dudeski, looking forward to using it in the near future.
Nice Option Agreement, looking forward to using it in the near future, Thanks.
I’d love to know how a mom with no money can do what you do without previous real estate knowledge and very shy nature? Like I need step by step break down
thanks for the template.
Love the free resources. ‘Subject to’ documents with instructions attached would be a great help.
The info you share is invaluable
Thank you, I always enjoy your valuable insight and willingness to help! Options are always a plus it gives the buyer a choice in the process of purchasing their home rather then them looking to other buyers to see other available options.
I’m sure you have shared this but what would be the best way to find motivated sellers, and your approach as some people may be motivated but not willing or somewhat un approachable sort of speak due to their circumstances ?
Thanks for the download. Actually was needing an option agreement for a deal im working on so perfect timing
Your articles are always AWESOME ! They are engaging.
Info on Tax Advantages RE investment can provide – how to qualify, how much they can save you, etc
Thanks very much…
JP and the Awesome REI Team, thank you all for aiding in keeping our REI Arsenal locked and loaded with useful & very valuable information.
Great info.
Can you still do wrap around mortgage
Thanks for giving us this option contract!
very helpful video on real estate options. Easy to understand.
Another great tool for investing
Well explained, in detail.
Illustrate the Formula used in computing profit levels on Large, Medium or Small Repairs to determine After Repair Value of a potential Property Investment
Good stuff…im learning
What I’d like to see in the future is a link to print the entire presentation including the modules, resources, best practices, etc. in one very neat package. Thank you.
Great information! I’d love to hear information on working with an REO Listing Agent.
Great information! For future topics, I’d love to have someone take me through the process of vetting out potential tenants. Thanks!
now is the time for all good men to come to the aid of the party
First I would like to say thanks for all the great information, wisdom, insight. one more tool I would like to add would be an Assignment Agreement
Thanks for sharing. Great insight.
Would love to see more on how to overcome discrepancies and hold back during the negotiation process.
I love to see how to get help with loan that can help with your deal .
Thanks JP this is nice to get the help you need, when you need it.
Truly. Awesome.
Thank you for sharing. One thing that will help is how to ARV when there a few or no comps.
God bless you and your team!
Hi! I love all the emails you guys send us,
Maybe what would be good is if you guys can give us the best seller leads in our area.
Love all your emails and videos
Really, really, REALLY, really awesome website JP… Can’t think of anything to add!
Is Taxation an issue? How do you and do you need to worry about it? For me…. so far so good.
Thanks for all of this JP.
Anything about RE Tax advantages, and how to qualify for them – documentation needed, etc
I’d like to see all of the Tax Advantages (claimable write offs) a residential RE Investor can use that you are aware of, with the necessary disclaimer, of course…
I follow all you show us cause
I know it is great for us. You seem to care that we do good. Can’t wait to see what is next.
I’d love to know how a mom with no money can do what you do without previous real estate knowledge and very shy nature? Like I need step by step break down
I’m a female vet with PTSD (cognitive issues) and thought it would be a step by step/personal assisting. So, I’m anxious to see.
Hi Sybil, you are not alone l need help as well, really need someone to talk to in this real estate activities. l am looking for a study buddy.
Kindly please reach out l am open and we can do this together. Thanks much Amma.
I’m satisfied you guys are great
Thank you so much JP.