CT Real Estate Today - November 2023 Edition

In This Month’s Edition Pg. 10 - High Mortgage Rates Dampen Home Sales, Decrease Demand From First-Time Buyers

Pg. 14 - Winter Snow Removal Responsibilities for Landlords and Tenants in Connecticut

Pg. 16 - What to Look for in a Property Management Company

Pg. 24 - How to Protect Yourself as an Independent Landlord or Property Management Company

November 2023

Published by:

Table of Contents Publisher’s Message A Message From Bob DeCosmo, President Of CTPOA

News And Views From The Capitol Charting CT: How Does 2023 Voter Turnout Compare to Previous Years?

Realtor Report High Mortgage Rates Dampen Home Sales, Decrease Demand From First-Time Buyers

Insurance Insights Home Insurance Rates Surge Nearly 15% at Farmers, USAA

Property Management Tips & Tricks Winter Snow Removal Responsibilities for Landlords and Tenants in Connecticut

Helping Property Owners Since 1994

Published by: CTPOA

Financially Speaking What to Look for in a Property Management Company

CTPOA’s Mission: Educate our members on the Best Practices.

Get Energy Efficient

Increase profitability.

Ways Landlords Can Cut Costs in the Winter Months

Provide access to Core Services.

The Legal Corner What Every Landlord Needs to Know About Fair Housing Discrimination Complaints and the CHRO Process

Vendor Spotlight

Advocate for Property Owner Rights.

Meet Our Team: Bob DeCosmo

How to Protect Yourself as an Independent Landlord or Property Management Company

Carmine DeCosmo

Tenant Screening Tips & Tricks

Chelsea Sayegh

Sample Criteria For Accepting or Rejecting a Rental Applicant

Melissa DeCosmo Paul Jenney

PO Box 4795 Waterbury, CT 06704 800-369-6153 info@ctpoa.com

By Bob DeCosmo Advocate For Property Owner Rights Election outcomes matter! Yet in this year’s election, voter turnout was anemic at best. In my hometown of Waterbury, 73% of registered voters stayed at home one election day! Turnout percentages were even lower in many towns. One must ask the question, WHY? If you happen to own, manage, or rent apartment units, this past session at the Connecticut General Assembly should have been an eye-opener. It seems like those activists that seek to

derail the housing market threw everything at housing providers including the kitchen sink and toilet bowl. With proposals including rent control, eviction record sealing and a moratorium on evictions from December through March 1st, the rental housing providers were under attack.

Who led this attack? It was clear from posting on the internet and social media that it was led by the CT Socialists of America. Fortunately, there were many legislators that don’t believe in “Robbin Hood Politics” and people should work hard and save to get ahead and not try to redistribute the wealth that others have sacrificed to achieve.

The housing providers need to understand that things will get worse unless they get organized

and take direct action by getting involved in the legislative process at the Capitol and becoming politically active when it comes to elections.

The CT Property Owners Alliance has been a leading voice for housing providers since 1996 and is now paving the way for housing providers to become more engaged and defend themselves. In January, the CTPOA will be promoting a “Super-PAC” called the Property Owner Defense League (PODL) and intends to help those legislators that supported the

04 / Publisher’s Message

housing provider community in their effort to get re-elected. The PAC will also seek to target one

extreme legislator that supports the Socialist agenda and seek to help them retire early from the Legislature.

While there are many legislators that lean hard left, it will be impossible to go after all of them, but we intend to send a clear message that this is America, a country build on freedoms and property rights, and we will not tolerate a radical political agenda that has never worked anywhere it’s been tried.

Here’s a bit of info about Political Action Committees.

•

Political Action Committee (PAC) — A popular term for a political committee organized for the purpose of raising and spending money to elect and defeat candidates. Most PACs represent business, labor, or ideological interests.

•

Super PACs (independent expenditure only political committees) are committees that may receive unlimited contributions from individuals, corporations, labor unions and other PACs for the purpose of financing independent expenditures and other independent political activity and cannot coordinate their efforts with candidates.

•

An independent expenditure is an expenditure for a communication that expressly advocates for the election or defeat of a clearly identified candidate.

•

RPAC vs. PODL -Unlike a super PAC, the RPAC is a traditional PAC with a $5,000 per person cap on donations and cannot accept money from corporations or unions. On the other hand, RPAC may contribute directly to a politician or political party, whereas super PACs are limited to spending independently of such campaigns.

•

Super PACs do not fight issues, only can influences the outcomes of elections.

In January, we will begin a series of fundraising events to support the Property Owner Defense League’s effort to protect the housing providers from this radical political agenda. Housing Providers

must get involved as it’s clear they face a large attack as seen in this quote.

Democrats held a super-majority this session and had the opportunity to boldly address this emergency, despite obstruction by the Republican minority. Tenants and our allies demanded a rent cap and good cause eviction protections to give us immediate relief and stability while we tackled the housing emergency head-on. Hundreds of us stayed up all night at the Capitol to testify about the urgency of taking on a housing system that’s unaffordable, unsafe, and unfair; rooted in legacies of racism and exclusion; and that is displacing many of us from our homes and communities.

05 / Publisher’s Message

We were out on the streets of our cities and towns, in our community spaces, and in our apartment buildings talking to our neighbors. Polling showed the vast majority of voters agreed we should stabilize rent and take action to address exclusionary zoning. This was the chance to cap the rent, empower tenants, and begin to shift the immense resources and wealth of our state towards guaranteeing affordable and stable housing for all.

The tenant-led housing justice movement is here to stay, and next year our movement will be even stronger. We will organize in our buildings and cities to protect each other as we continue to fight for housing stability for all, so that all of us can put down roots in the communities we

love.”

June 8, 2023, Co-Authored by CT-DSA and CT Tenants Union

06 / Publisher’s Message

Register at CTPOA.com/events

Charting CT: How Does 2023 Voter Turnout Compare to Previous Years By: José Luis Martínez, from ctmirror.org About 709,000 of 2.1 million Connecticut registered voters cast a ballot in this year’s municipal elections,

bringing the turnout rate to 33.29% with almost all precincts reporting, according to preliminary data submitted by towns to the Secretary of the State’s Office.

Last time Connecticut had municipal elections in 2021, the turnout rate was 32.1%, and it’s hovered around there

since 2017.

This year's municipal turnout rate on par with previous years, still lower than other types of elections.

rates below the state's rate of 33%.

And only 17 towns had over half their eligible voters cast a ballot. Among those are Greenwich, East Haven, Litchfield and Bethany, which all had races for mayor or first selectman.

Dozens of towns had less than a third of voters head to the polls in the '23 municipal election.

Four of the biggest cities in the state had mayoral elections, but none of them had even a quarter of voters show up to the polls. Bridgeport had a turnout rate of 19.98% this year, compared to 9.71%

Of the 166 towns for which there is data last time there were municipal elections, from this year's election, 63 had turnout although there was no contest for 08 / News & Views From The Capitol

Hartford and Bridgeport see decrease in mayoral race turnout, New Haven and Waterbury see increase.

Stamford, which did not have a mayoral race this year, did had over a quarter of voters show up to the polls at 29.41%.

When it did have a mayoral race in 2021, 40% of voters cast a ballot.

Thirteen towns saw their turnout rates decrease by 10 or more percentage mayor that year. Last time voters chose a mayor in 2019, the turnout rate was 21.98%.

In Hartford, there was a larger decrease in turnout since the last mayoral election. This year's mayoral race had a turnout rate of 13.74%, and in 2019 it saw 18.14% of voters show up to the polls. And New Haven, which saw mayoral elections in both 2021 and 2023, had about the same turnout rates,

points since the 2021 municipal elections, with Roxbury and Guilford seeing the biggest drops, although both towns had top-of-ticket races in 2021, in contrast to this year.

And 18 towns saw their rates increase by 10 or more percentage points. East Haven had the biggest increase, going from 36.83% in 2021 to 68.71% in 2023, with both years having contests for first selectman.

with a slight increase this year pushing

Changes in 2023 voter turnout from

it up to nearly the quarter mark at

2021 are mixed, influenced by top-of-

24.58%. Waterbury also saw an

ticket races, local issues.

increase, inching it closer to a quarter of voters going to the polls.

09 / News & Views From The Capitol

High Mortgage Rates Dampen Home Sales, Decrease Demand From First-Time Buyers By: Swapna Venugopal Ramaswamy, from usatoday.com Mortgage rates approaching 8% and a

“As has been the case throughout this

lack of housing inventory are continuing

year, limited inventory and low housing

to keep potential homebuyers −

affordability continue to hamper home

especially first-time buyers − out of the

sales,” said NAR Chief Economist

market.

Lawrence Yun. “The Federal Reserve

Existing-home sales fell 2% in September to 3.96 million, down 15% from one year ago, according to a report

simply cannot keep raising interest rates in light of softening inflation and weakening job gains.”

from the National Association of Realtors Mortgage rates and housing market released Thursday.

This week, mortgage rates averaged

Meanwhile, median existing home sales

7.63% for a 30-year conventional loan

price dropped from $404,100 in August

this week, according to newly released

to $394, 300 in September. However, it

data Thursday by Freddie Mac.

was up 2.8% higher than one year ago, marking the fourth consecutive year-over increase.

10 / Realtor Report

“Mortgage rates continued to approach eight percent this week, further

impacting affordability,” said Sam

29% in August. Last November, the

Khater, Freddie Mac’s Chief

annual share of first-time buyers was

Economist. “In this environment, it’s

26, the lowest since 1999, when NAR

important that borrowers shop around began tracking the data. Before the with multiple lenders for the best

pandemic, first-time buyers typically

mortgage rate.”

accounted for close to 40% of the

First-time homebuyers, for whom

transactions, says Yun.

down payment is often one of the

Cash is king and multiple offers are

biggest barriers, should also ask their

still common

lender about down payment assistance, advised Khater.

With higher mortgage rates driving out borrowers, all-cash sales accounted

It’s not just the homebuyers feeling the for 29% of transactions in September, impact of rising rates. Incoming data

up from 27% in August and 22% in

suggests home builders are feeling

September 2022. This has hit first-

the pinch, too, according to Khater.

time buyers who have to compete with

Housing inventory Total housing inventory registered at the end of September was 1.13 million units, up 2.7% from August but down 8.1% from one year ago (1.23 million).

Unsold inventory sits at a 3.4-month supply at the current sales pace, up from 3.3 months in August and 3.2 months in September 2022.

all cash offers, with no built-up equity.

Close to 26% of the homes were sold above the list price, indicating that multiple offers are still being submitted. Though the competition seems to be slowing down: One year

ago, 28% of the homes sold above list price, and in August, 31% of the homes were sold above this price.

First-time buyers were responsible for 27% of sales in September, down from

11 / Realtor Report

Home Insurance Rates Surge Nearly 15% at Farmers, USAA By: Joey Silitro, from kiplinger.com The average home insurance rate

effective rate increases in the double

climbed 8.8% in the first eight months of

digits, S&P said. Farmers lead the way

2023, report shows.

with a 14.8% increase, narrowly

Farmers Insurance Group and the

exceeding USAA’s increase of 14.7%.

United States Automobile Association

While most states are seeing significant

(USAA) increased home insurance

rate increases, others are seeing

premiums by nearly 15% this year,

insurers completely pull out following

higher than all other major insurers,

devastating weather events, Kiplinger

according to a recent report.

previously reported. Earlier this year, for

The national average hike in homeowner

premium rates was about 8.8% through August, according to the October 3 S&P Global Market Intelligence report.

Through September 1, the owneroccupied homeowner policies of Farmers and USAA posted year-to-date

12 / Insurance Insights

example, both AAA and Farmers abandoned home and auto coverage in Florida and State Farm stopped business and personal property coverage in California.

According to the S&P report, Farmers raised rates across 43 states, about 65% of which had a calculated weighted average change of more than 10%. This includes effective rate hikes of 25.3% in Illinois, a 25.1% in Texas and a 23.8% in Tennessee.

USAA increased rates across 44 states, about 60% of which had a calculated weighted average change of more than 10%, S&P said. This includes a whopping 36.6% effective rate increase in Arizona, 34.7% in Colorado and 30.1% in Tennessee.

Progressive recorded the largest yearto-date effective rate change in any state over the first eight months of 2023 with a 57% increase in North Carolina, S&P said. The increase became effective on June 19 for the company's renewal business.

Macroeconomics at play

seen a higher-than-average rise in homeowners insurance rates,” S&P said. “Between 2018 and 2021, the countrywide yearly average change was in the 3% range but jumped to

about 6% in 2022."

Homeowner insurance is required by most mortgage lenders and is typically included in your mortgage payment. It is designed to protect both you and the lender. There are several ways to help you save on your policy, including

bundling your homeowners insurance with your auto policy as well as taking advantage of discounts, such as

“Macroeconomic conditions continue to paperless documents. plague US personal lines-focused insurers as the past two years have

13 / Insurance Insights

Winter Snow Removal Responsibilities for Landlords and Tenants in Connecticut By: CTPOA In Connecticut, the property owner is legally

•

responsible for removing snow and ice from

from common areas of the property.

their property. However, landlords can pass this responsibility on to their tenants in the lease agreement for single family dwellings, but not multifamily properties.

If the lease agreement does not specify who is

•

Have a plan in place for removing snow

Consider hiring a snow removal contractor.

Tenants: •

If you are responsible for snow removal,

make sure to remove the snow from the

responsible for snow removal, then the landlord sidewalks and driveway in a timely manner. is responsible. If the lease agreement does

Many communitie require it to be removed with

specify that the tenant is responsible for snow

24 houses after the snow ended.

removal, then the tenant is responsible.

Here are some tips for landlords and tenants in Connecticut regarding snow removal:

•

Be careful when shoveling snow to avoid

injury.

•

If you are unable to remove the snow

Landlords:

yourself, consider hiring a snow removal

•

contractor.

Be clear in the lease agreement about who

is responsible for snow removal.

If you have any questions about snow removal

•

responsibilities in Connecticut, you can contact

Provide your tenants with information about

local snow removal ordinances.

the Connecticut Department of Consumer Protection.

14 / Property Management Tools & Tips

Registration is encouraged at CTPOA.com/events

What to Look for in a Property Management Company By: CTPOA

Here are some specific things to look

has experience managing properties

for in a property management company

similar to yours.

in Connecticut: •

•

•

Local Presence: It can be helpful to

Knowledge of Connecticut Landlord-

choose a property management

Tenant Law: Connecticut has specific

company that has a local presence in

laws governing landlord-tenant

Connecticut. This will make it easier

relationships. Make sure that the

for them to respond to maintenance

property management company you

requests and other issues in a timely

choose is familiar with these laws

manner. Also, they should have a

and can help you comply with them.

working relationship with the local code enforcement officials.

Experience with Connecticut Properties: Connecticut has a

•

Membership in Professional

diverse range of properties, from

Organizations: Membership in

single-family homes to multi-family

professional organizations such as

apartments to commercial buildings.

the Connecticut Apartment

Make sure that the property

Association or CT Property Owners

management company you choose

Alliance can demonstrate a property

16 / Financially Speaking

management company's commitment to quality and professionalism.

Here are some additional tips for choosing a property management company in Connecticut: •

Ask for referrals from other property owners in your area.

This is a great way to get firsthand information about the different companies that are available.

•

Read online reviews of property

management companies. This can give you a good idea of what other property owners have experienced with different companies.

•

If you are looking for a reliable and experienced property management company in the Meriden or New Britain area, Ironclad Property Management is a great option. In the Danbury area and Fairfield County, Pro Property Management is an excellent company.

Get everything in writing. When you

In Southeast Ct, Moxie Management is

sign a contract with a property

a good choice. These firms offer a wide

management company, make sure

range of services to meet your needs,

that all of the terms and conditions

including tenant screening, rent

are clearly spelled out in writing.

collection, maintenance, and

This will help to avoid any

accounting.

misunderstandings later on.

17 / Financially Speaking

Ways Landlords Can Cut Costs in the Winter Months By: CTPOA Winter can be a tough time for landlords in

expenses for landlords. You can reduce

Connecticut. The cold weather can lead to

your hot water usage by installing low-flow

increased energy costs, maintenance issues,

showerheads and faucet aerators, and by

and snow removal expenses. However, there

encouraging your tenants to take shorter

are a number of things that landlords can do to

showers. You can also lower the thermostat

cut costs in the winter months.

settings on the hot water heater to save

•

•

include adding insulation, caulking air leaks, •

Change your HVAC filters regularly. Dirty

and sealing windows and doors.

filters can make your HVAC system work

Weatherizing can help to reduce your

harder, which can lead to higher energy

heating costs by up to 20%.

bills. Change your HVAC filters at least once a month during the winter months.

Install energy-efficient appliances. When old appliances need to be replaced, choose

•

money.

Weatherize your properties. This can

•

Get professional HVAC maintenance. A

new ones that are Energy Star certified.

professional HVAC technician can inspect

Energy Star appliances use less energy

your HVAC system and make sure that it is

than standard appliances, which can save

running efficiently. They can also identify

you money on your utility bills.

and fix any potential problems before they

Reduce your hot water usage. Hot water heating is one of the biggest energy

18 / Get Energy Efficient

lead to costly repairs.

Here are some additional tips for cutting costs

clean and

on winter maintenance:

free of

•

debris, and

Purchase snow removal supplies in

that your attic

bulk. This can save you money on snow

is properly

shovels, salt, and other snow removal

ventilated.

supplies.

•

Hire a snow removal contractor. If you have multiple properties, it may be more cost-effective to hire a snow removal contractor than to clear the snow yourself.

•

Be proactive about preventing ice dams. Ice dams can cause water damage to your roof and interior walls. To prevent ice dams, make sure that your gutters are

•

Inspect your properties regularly for signs of damage. The sooner you identify and

repair damage, the less expensive it will be to fix.

By following these tips, landlords can cut costs in the winter months in Connecticut without sacrificing tenant comfort or safety.

What Every Landlord Needs to Know About Fair Housing Discrimination Complaints and the CHRO Process By: CTPOA As a landlord, it is important to be aware of

religion, national origin, sex,familial

your rights and responsibilities under fair

status, disability, source of income and

housing laws. Fair housing laws prohibit

several more categories.

discrimination in housing on the basis of

race, color, religion, national origin, sex,

•

housing for someone in a protected

familial status, disability and several other

class.

categories..

If you are a landlord in Connecticut, you are

Setting different terms or conditions of

•

Providing different services or amenities to tenants based on them being in a

subject to the Connecticut Fair Housing Act

protected class.

and the federal Fair Housing Act. These

Harassing tenants.

laws prohibit you from discriminating

•

against tenants or potential tenants on the

What is the CHRO process?

basis of being part of a protected class.

The Connecticut Commission on Human

What is fair housing discrimination?

Rights and Opportunities (CHRO) is

Fair housing discrimination can occur in

responsible for enforcing fair housing laws

many different ways, including:

in Connecticut. If you believe that you have

•

Refusing to rent or sell housing to someone because of their race, color,

20 / The Legal Corner

been discriminated against in housing, you can file a complaint with the CHRO.

The CHRO will investigate your complaint

•

and try to resolve the matter through mediation. If mediation is unsuccessful, the CHRO may hold a hearing to decide

laws and policies.

•

Be consistent in applying their fair housing policies and procedures to all

whether discrimination has occurred. If the

tenants and potential tenants.

CHRO finds that discrimination has occurred, it can order the landlord to take

Train their employees on fair housing

•

Keep accurate records of all housing transactions.

corrective action, such as paying damages to the tenant or providing the tenant with

If you are a landlord in Connecticut, it is

housing.

important to be aware of your rights and

Tenants have a right to request

responsibilities under fair housing laws. By

reconsideration if they are unhappy with

taking the steps outlined above, you can

the outcome of the case. The landlord has help to ensure that you are treating all 21 days to decide to take the case to civil tenants and potential tenants fairly. court if the CHRO investigation finds that

there is a reasonable to believe discrimination has occurred

Additional resources: •

Rights and Opportunities (CHRO):

What should landlords do to avoid fair housing discrimination complaints?

Connecticut Commission on Human https://portal.ct.gov/CHRO

•

U.S. Department of Housing and Urban

Landlords can take a number of steps to

Development (HUD): https://

avoid fair housing discrimination

www.hud.gov

complaints, including: •

Educate themselves about fair housing laws.

•

Develop and implement fair housing policies and procedures.

21 / The Legal Corner

How to Protect Yourself as an Independent Landlord or Property Management Company By: TheGuarantors

The National Equity Atlas estimates the total

tenants will ensure you weed out any

rent debt in the country to be around $15

instances of poor payment history or criminal

billion. That statistic becomes more

activity, and allow you to enter into new

troublesome when you consider that of the 44 agreements with less risk and greater peace million rental units in the U.S, 55% are owned of mind. by independent landlords.

This blog will outline 4 ways independent

2. Get a lease guarantee

landlords can protect themselves against non -paying renters including a variety of industry- Another effective solution for protecting yourself against rent default is with Rent leading services from TheGuarantors.

Coverage from TheGuarantors, which can 1. Conduct background checks

serve as a renter's cosigner and guarantor if they do not meet your property's application

The best way to avoid dealing with non-

requirements.

paying renters is to never get involved with them in the first place. Completing thorough

Rent Coverage provides a lease guarantee

background checks on your prospective

by allowing renters to buy an insurance policy

24 / Vendor Spotlight

that covers you in the event they can’t pay

questions ahead of payment deadlines. It also

rent. That’s right: they buy it, you get the

ensures you’re made aware of any issues or

coverage at no charge to you. Before a renter repairs needed in the house or apartment as signs a lease, invite them to apply to

early as possible.

TheGuarantors. You are able to select how many months of rent you would like to be

4. Work with our mitigation team

reimbursed for if the renter defaults, up to the amount of coverage you specify.

Working with us has more perks than just insurance products. If a renter stops paying

They get the apartment they want, and you

rent our mitigation team can step in and work

get the peace of mind you need.

with the renter. Not only does our team speak 6 different languages, they’re authorized to

Enroll your property today and invite any new negotiate with your renter if you choose, renters to purchase a lease guarantee.

decreasing the likelihood of eviction or default.

3. Keep communication regular Don’t wait to take control of your rentals.

This option is as simple as it is vital. When

Enroll your properties today and invite new

you agree to a renter staying in your property, renters to purchase a Rent Coverage lease it is critical that you remain in regular contact guarantee or Deposit Coverage security to ensure they feel comfortable asking any

deposit replacement.

Sample Criteria For Accepting Or Rejecting A Rental Applicant By: Paul Jenney, Compliance Officer with TenantTracks This is not intended to Replace Legal

5. Any records of criminal activity that that

Advice, we suggest you consult your

property owner would deem puts the

own attorney when creating your tenant

property, its owner or other residents at

selection criteria

risk, including, but not limited to, sex

1. All information on the application is correct; any factual errors are an automatic rejection.

offences, violations of the US Patriot Act covered by the Office of Foreign Asset Control or other international judicial authorities, arson, domestic violence, any

2. The application is signed and dated and other crimes of violence, weapons has authorized the property owner to violations, etc. Criminal records may be conduct a background check.

reported indefinitely under the FACTA

3. Any criminal record of drug dealing, drug update of 2003.

trafficking, manufacture, or distribution are

6. Eviction History. How long ago is

an automatic rejection.

acceptable? How many evictions? The

4. Any record of prostitution, illegal

reason for the eviction? The FCRA only

gambling, or any other crime that would

allows TenantTracks to report eviction

violate State laws regarding illegal use of a

records for seven (7) years. (Create your

rental property are an automatic rejection.

own policy and stick with it)

26 / Tenant Screening Tips & Tricks

7. Landlord History. TenantTracks may

the rental market tanks and you lower

only report information obtained from

your score requirement to attract more

owners and management companies for

potential renters (and accept more risk)

seven (7) years including notices to quit,

and vice versa, if you get more

noise issues, cash for keys, etc. How

applicants, you raise the score

many? How recent?...again; (Create your requirement. own policy and stick with it)

9a. If you are accredited to receive a full

7a. Landlord References. If they are a

credit report, then how many thirty (30),

career renter, I would ask for the last

sixty (60), ninety (90) day late-payments

three at minimal, and then call the second do you allow? How many collection two. They have nothing to lose by giving

accounts? How many charged off

the truth, but grill them about the

accounts (unpaid debt)

information, last addresses they gave on that application (might be hiding something), and did they pay the rent on time/in full/how many late-payments, any problems. This may seem like

10. IF employed, how long should they have been there? Can you independently confirm this? I recommend calling the HR

Department and faxing/emailing a release to provide you with the information, as an

“Landlording 101”, but this is helpful information on how they will perform as your tenants.

alternative you can ask for a copy of the applicant’s last tax return, if not employed, ask for proof of income.

8. If your property is carpeted, do they own a vacuum cleaner? It's a strange criterion, but you want to protect your

investment so it IS a fair question to ask.

9. Credit History. What is the minimum

Have a potential tenant you need screened? Visit tenanttracks.com for all your tenant screening needs!

Vantage Score to be accepted? This will vary by property. We recommend that the criteria is signed and dated and can be updated as market conditions change e.g.

Know Who You Are Renting To!

27 / Tenant Screening Tips & Tricks

What’s Happening Near You? The Statewide Events and Meetings calendar is a resource for local landlords and property owners to meet up, network and grow your real estate opportunities.

Get Involved, Stay Informed.

November 2023 Sun

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R.E.N.E.

CTPOA

NEI GHAR

Events & Meetings & Networking

CT Real Estate Investors Association (CTREIA)

Connecticut Property Owners Alliance (CTPOA)

Real Estate Networking Event (R.E.N.E)

Next Meeting: Nov. 14th

Next Meeting: Nov. 16th

Next Meeting: Nov. 2

Time: 6:00 PM - 8:00 PM

Time: 1:00 PM

Time: 6:30 PM EST

Where: CTREIA Where: Zoom Webinar 415 Silas Deane, Suite 304A Contact: (800) 369-6153 Wethersfield, CT 06109 About: Landlords, learn Contact: (860) 265-4414 how to avoid fair housing About: Whether you're discrimination complaints interested in real estate as a and protect your business. side hustle or you are wanting to finally leave What is the CHRO? the corporate rat race, An Overview of Fair CTREIA’s proven Coaching Housing Laws Program will give you the knowledge and The Protected Classes, tools to become a real Both State and Federal estate investor. This is your first step!

Live Q & A Register here!

Register here!

Where: Pinstripes 100 N Water, Suite 33 Norwalk, CT 06854

Contact: Bogdan Stef About: Real estate networking event !

Leave our event with a -mail list of participant

We call for investors, b and hold, money lende insurance, wholesaler rehabbers, house hac flippers etc.

Register here!

e g

28th

300

Connecticut Property Owners Alliance (CTPOA)

The NEI Real Estate Investor Meetup (NEI)

Greater Hartford Association of Realtors (GHAR)

Next Meeting: Nov. 29th

Next Meeting: Nov. 30th

Next Meeting: Nov. 30th

Time: 6:00 PM - 8:00 PM

Time: 6:00 PM - 9:00 PM

Time: 6:00 PM - 10:00 PM

Where: Taino Smokehouse 1388 E Main Street Meriden, CT 06450

Where: Back Nine Tavern 245 Hartford Road, New Britain, CT 06053

Where: Hartford Golf Club 134 Norwood Road West Hartford, CT 06117

Contact: (203) 915-3803

Contact: (860) 561-1800

fanide Contact: (800) 369-6153

About: Landlord Insurance About: Ashleigh Martin, Protect Your Property and Your CPA and owner of AEM Peace of Mind Accounting, joins us for the a full e November 2023 NEI Real ts.

• Networking & dinner Estate Investor Meetup.

buy ers, rs, ckers,

•

Understand landlord insurance and coverage including rebuilding home and liability insurance

•

Live Q & A

Register here!

About: Help us recognize 2023 Directors, Committee Chairs, Committee Members, GHAR Past Presidents, REALTOR® of the Year and Emeritus Members.

Get valuable insight into year-end tax planning, new LLC rules for 2024, common accounting Member Price $65.00 / Non mistakes, and much more! -Members $85.00 and includes appetizers, dinner Register here! and open bar.

Register here!

Name

Contact

Service

BestWay Mortgage, Brandon Parenti

Phone: (203) 441-4059

Mortgages & Loans

Website: Click here!

(Professional Services)

Pro Property Management

Phone: (203) 909-6333

Property Management Services

Website: Click here!

(Professional Services) The Law Office of Yona Gregory

Phone: (860) 443-9662

Attorney / Evictions

Website: Click here!

(Professional Services)

The Brodrick Law Firm

Phone: (203) 758-8822

Attorney / R.E. Closings

Website: Click here!

(Professional Services)

Phone: (888) 610-4710

Tenant Screening

Website: Click here!

(Professional Services)

Tammy Enquist Canfield: Comparion Insurance Agency

Phone: (203) 695-3893

Insurance

Website: Click here!

(Professional Services)

ServiceMaster Restore

by Recovery Solution

Phone: (860) 735-4704

Restoration

Website: Click here!

(Maintenance & Tradesmen)

Eversource Energy

Phone: (800) 592-2000 Website: Click here!

Energy Efficiency Provider (Suppliers & Wholesalers)

Phone: (720) 706-8902

Rental Insurance

Website: Click here!

(Professional Services)

TenantTracks

The Guarantors

Premier Real Estate Investment Group

Phone: (860) 335-0681

Cesar L. Sousa, Real Estate Attorney

Phone: (203) 583-8299

Real Estate Multi-Family

(Professional Services)

Website: Click here!

Attorney / Personal Injury (Professional Services)

PosiGen

Phone: (866) 767-4436 Website: Click here!

Solar Panels/Green Energy (Maintenance & Tradesmen)

Pet Screening

Website: Click here!

Tenant Screening (Professional Services)

Nick Minicucci: New England Residential Finance, LLC

Phone: (203) 509-2717

Mortgages & Loans

Website: Click here!

(Professional Services)

Landlord Collection Agency

Phone: (800) 369-6153

Collection Agency

Website: Click here!

(Professional Services)

Junk Bear

Phone: (860) 378-2801

Rubbish & Hauling

Website: Click here!

(Maintenance & Tradesmen)

First World Mortgage: Jesus A. Carrero

Phone: (203) 715-0961

Mortgages & Loans

Website: Click here!

(Professional Services)

The Miranda Team Home Inspections

Phone: (203) 490-7855

Home Inspections

Website: Click here!

(Professional Services)

Name

Contact

Service

Marion Szarzynski, HomeBridge Mortgage Loan Originator

Phone: (203) 768-5098

Mortgages & Loans

Website: Click here!

(Professional Services)

Brenda Tate, Photographer

Phone: (860) 631-7622

Real Estate Photography

Website: Click here!

(Professional Services)

Jeff Zappone, Loan Officer at CrossCountry Mortgage

Phone: (203) 592-3602

Mortgages & Loans

Website: Click here!

(Professional Services)

Dawn Cabral, Broker/ Owner, GRI, SRES at West View Properties LLC

Phone: (203) 228-7564

Real Estate Residential

Website: Click here!

(Professional Services)

Dana M Guiliano

Phone: (203) 419-5857

Attorney / Evictions

(Professional Services)

Venoal M. Fountain, Jr., Partner at Hirsch, Levy & Fountain, LLC

Phone: (203) 336-3144

Attorney / Evictions

Website: Click here!

(Professional Services)

Attorney Emanuele A. Mangiafico

Phone: (860) 827-8064

Attorney / R.E. Closings

Website: Click here!

(Professional Services)

Reckmeyer & Reckmeyer, Law

Phone: (860) 333-5677

Attorney / Evictions

Website: Click here!

(Professional Services)

Ranciato Public Adjusters Group, LLC

Phone: (888) 298-9014

Public Adjuster

Website: Click here!

(Professional Services)

Name

Contact

Service

BRRRR Loans

Phone: (215) 290-5108

Mortgages & Loans

Website: Click here!

(Professional Services)

Phone:

Property Management Services

Ironclad Property Management

Website: Click here!

(Professional Services)

About the CTPOA Vendor Program Let the Connecticut Property Owners Alliance help promote your business to the Real Estate and Property Owner community through our Vendor Affiliate Member Program!

Your company will be listed in our priority vendor database for all CTPOA members. Our events will allow you to display your promotional materials on our vendor tables, interaction with prospective customers and grow your presence on social media. CTPOA makes it easy for you to gain more customers without spending valuable time searching for them.

To sign up to be a CTPOA Vendor, click here!

P. (800)369-6153

F. (888)900-9773

E. info@ctpoa.com

www.ctpoa.com

CT Real Estate Today allows you to hit your target audience for all things real estate.

Contact us at info@ctpoa.com

ADVERTISE WITH US!

Becom

V

The Conne composed o REALTORS improve the bu

Follo

me a CTPOA Member!

Visit: https://ctpoa.com/

ecticut Property Owners Alliance is of experienced property managers, S and landlords working together to usiness conditions for rental property owners.

ow CTPOA: https://www.facebook.com/CTPOA/

About Us Advocates For Property Owners The Connecticut Property Owners Alliance is composed of experienced property managers, realtors and landlords working together to improve the business conditions for rental property owners. The Alliance saves its members money on essential real estate services, reviews and testifies on pending legislation & law changes and offers its members workshops and meetings on topics that impact landlords.

Why The Property Owners Alliance Was Formed The Alliance strives to ensure your success in real estate by: •

Saving you money on essential real estate services

•

Informing you of law changes impacting your business

•

Providing workshops and meetings to help you become a better educated and prosperous rental property owner.