All posts by Suzette West

Suzette is the designated broker and general contractor for our company. She has been a real estate licensee since 1996, and has many years of experience specializing in the area of real estate investment. She is what the investor community would call an "investor-friendly" broker who is also an investor herself. She understands real estate investment, how to analyze investments, and how values can change with shifting market cycles. She has first-hand experience of how investors must constantly assess their current business models and strategies in real estate in order to stay abreast of changes, and adjust for new market realities. She knows that ignoring new market realities can increase an investor's risk of experiencing a decrease in deal flow and profit which; can put the best laid real estate investment plans to rest for good. To help her investor clients avoid this, she educates and facilitates the path forward, which is a huge benefit the investor clients she works with. In her own real estate projects, Suzette and her team look for truly quality real estate opportunities that are priced well for the condition and market location. Her systems for sourcing opportunities, analyzing profit potential, estimating repairs, managing renovations, as well as marketing and leasing, all work to ensure that her projects are profitable. She currently holds a Bachelors of Science degree in Real Estate from Marylhurst University. She is a certified business model analyst, and is currently pursuing an Executive MBA in Finance from Washington State University. She is an asset to any team she is working on. Whether that team is her own or she is on an investor-client's team, her enthusiastic dedication to excellent service and world class team-building makes her invaluable to the clients she accepts.

1282 Retsil Rd E, Port Orchard 98366

Large and spacious completely remodeled home.. Walk to Annapolis foot ferry and commute by foot to Bremerton / Seattle via the ferry system for a low cost / low stress commute. Master bedroom features a 5-piece master bath with tiled walk-in shower and walk-in closet. Laminate flooring upstairs and wall-to-wall carpet downstairs. Extra living space downstairs includes space for family room and a home office space. New carport in process of being installed.

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1282 Retsil Rd E, Port Orchard WA 98366

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A Lot of Home for the Money!

This 3 bedroom 1 bath home has 1328 sq ft of living space, and has a lot to offer for the money. Features include a remodeled kitchen and bathroom, new finishes throughout, new stainless steel appliances, and new flooring throughout. Benefits include a central location within minutes to freeway, PSNS naval base, shopping, the downtown area, ferry to Seattle, and the West Hills STEM academy for pre-school through 8th grade. Home warranty provided. MLS# 923696


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Tips For Managing A Large Real Estate Portfolio In Your Self-Directed IRA | Quest IRA, Inc.

Real estate is a perennially popular investment type for individuals to pursue within their self-directed IRAs. The ability to invest in real estate – both developed and undeveloped properties – can provide an investment and risk profile that generally can’t be mirrored with traditional stock market investments.But holding real estate within a self-directed IRA can also require a greater level of investment involvement as compared to those other asset classes.With stocks or mutual funds, the only invest

Source: Tips For Managing A Large Real Estate Portfolio In Your Self-Directed IRA | Quest IRA, Inc.

The Five Cs of Credit in the Apartment Building Mortgage Lending Business

The Five Cs of Credit in the Apartment Building Mortgage Lending Business

“Loan underwriters often refer to the five Cs of credit when evaluating and underwriting loan applications. What are the five Cs and how do they affect mortgage lending on apartment properties? The five Cs are: capacity, capital, character, collateral and conditions. We will attempt to explain each of these items and their effect on apartment lending credit decisions.”

Source: The Five Cs of Credit in the Apartment Building Mortgage Lending Business

What Sets Seasoned Investors Apart

“They understand that market position is paramount to having great investments. When too many investment dollars are chasing the same product, it often indicates that the market positioning is coming to an end. Instead of adjusting their investing criteria and settling for less, these investors simply adjust where they invest. They know that real estate is all about location. To an investor, that means the location that is most economically viable to buy right today and which will provide the longest duration of sustainable cash flow and equity growth.SIBKIS—to the seasoned investor, this means seeing the big picture and not deviating from the intended outcome. Keeping it simple means establishing your criteria and sticking to it. It means making only minor adjustments to the strategy, but never adjusting the investing criteria.”

Larry Arth for Personal Real Estate Investor Magazine

Source: Seasoned Investors See It Big and Keep It Simple

How Banks Make Money; and How You Can Too



Banks Make Money from Interest Paid by Borrowers




“For most banks, loans are the primary use of their funds and the principal way in which they earn income. Loans are typically made for fixed terms, at fixed rates and are typically secured with real property; often the property that the loan is going to be used to purchase.”


How Loans Work


How Private Lending Works


Private Lending is the Key to Making Money Like Banks Do



For more information about private lending:

Click to download your free copy of our private lending report that explains more about private lending, and how it works.

The Private Lending Report

3803 Anderson Hill Rd SW, Port Orchard WA 98367

Beautifully remodeled rambler on 0.45 acres includes a new roof, deck, freshly refinished hardwood floor, new carpet in bedrooms and vinyl in bathroom; as well as fresh interior / exterior paint, and new appliances. Minutes to Hwy 16, McCormick Woods, and shopping. Plenty of parking space for extra cars or RV / Boat parking.


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Sweeping Changes to Closing Process Taking Place August 1st

Man's Hands Signing Document


Real estate is in a constant state of flux. With advances in technology, industry changes can happen faster than they ever did before. Such changes are happening again in real estate.

The Voice of Real Estate, an industry news reporting arm of the National Association of Realtors announced sweeping changes brought about by the Consumer Financial Protection Bureau that will affect the closing process nationwide. These changes include the retirement of the HUD-1 closing statement, the Good Faith Estimate, and Truth In Lending. They will be replaced by two new forms: the Loan Estimate and the Closing Disclosure. All paperwork must be finalized no later than 3 days prior to closing. If last minute changes are made, it could trigger the three-days to start over again.

Also covered in this latest news piece:

  • New proposed rules concerning the use of drones in real estate
  • Foreign investors increasingly interested in American commercial real estate


Talking Straight in Real Estate



The first of the 13 behaviors of trustworthy people and organizations is “Straight Talk.” As described in the book “Speed of Trust” by Stephen MR Covey:

“Straight talk is honesty in action. It’s based on the principles of integrity, honesty, and straightforwardness…it means to tell the truth and to leave the right impression” (Covey 2008, p. 137).

What it Means to Talk Straight in Real Estate

This means being transparent in all dealings. Ideally, when something is wrong with a loan or real estate transaction, the people involved will communicate in the spirit of mutual respect and consideration instead of dodging phone calls, and ignoring emails. It means talking through the issues in search of a solution, if one is available. If a solution cannot be found, then an honest discussion of the circumstances is in order, as well as a discussion of the steps required to resolve the situation.

Too often businesses throw clients and customers away when they do not fit the “perfect mold” of an ideal business situation. Uncovering and discussing obstacles and challenges in a straightforward way shows that a business cares about the success of its people. How else can a person succeed if they are kept ignorant to the things that are holding them back?

To break through the challenges, customers need to know what they are up against. Talking straight is the only way to make these problems known, so that customers can become aware of the issues, tackle the challenges head on, and ultimately overcome them. Honorable professionals are not afraid of talking straight, because they know it is the right thing to do and they recognize the power it has to help a customer discover the source of their problems and succeed. The value of talking straight is the trust that binds and builds over time. It happens naturally when people begin to realize results, as they work through the challenges with mentors and coaches who truly care about them, and value their business.

The Opposite of Talking Straight

“The opposite of straight talk is to lie or to deceive. Such behavior creates a huge tax on interactions—either immediately or at some later time when the deception is discovered” (Covey 2008, p. 138).

Nothing kills trust faster than a liar. These are the people who would say and do anything to extract the next dollar from customers. They make promises that they can’t–or never intend–to keep. They hide behind the legal jargon of their contracts to get away with not providing the value they promised. They are very time-focused and not results-oriented. When the going gets tough, they tend to fall silent and hide instead of rolling up their sleeves to play an assertive role in helping customers get at the core of the issues that are in the way. Instead, these so-called “professionals” believe their time is worth paying for regardless of whether—or not—they are successful in bringing about the results needed; such as, a “mentor for life” who goes missing in action at the first sign of a challenge, or a lease option “guru” who traps people into expensive contractual obligations, but who fails to create accountability or deliver real value; which is to solve the problem they were supposed to help solve.

Instead, they will sit on the phone and bull-shit with the customer for the allotted time without providing any real value to run the clock and bill against time wasted. By the end of the contract period, the customer is no better off than before. It is hard to understand how such a person can live with themselves after conducting business this way; because to someone who is a real and honest professional, nothing is more satisfying than the feeling of helping customers get the results they want and need.

The Counterfeits of Talking Straight; More Trust-Destroying Behaviors

The counterfeit of talking straight includes “beating around the bush, withholding information, double-talk (speaking with a ‘forked tongue’), flattery, positioning, posturing, and the granddaddy of them all: ‘spinning’ communications to manipulate the thoughts, feelings, or actions of others” (Covey 2008, p. 139). These are all telltale signs of untrustworthy people and organizations. They are so scared of being pinned down or caught in a lie that they start to dance around the hard questions. They cannot be straightforward about the issues at hand; because the truth is as ugly as it seems. Take for example; a lender who crams junk fees into its compensation structure, and who creates convoluted reasons for justifying them.

One such lender asserted that a borrower would have to pay a $1,600.00 “risk fee” in addition to 5 points plus customary closing fees for every loan they would fund, if the borrower did not pay a one-time fee of $1,700.00 to join it’s so called “exclusive” 100% loan program. The lender told this borrower that they would not be allowed to use gap funding (even from their own credit lines) if they did not pay the $1,700.00 to join its 100% funding program. It was a slimy manipulative tactic to extract fees from the borrower knowing that the borrower was under contract and had a time-sensitive obligation to close on a property within 30 days.

As with any industry, there are good and bad players on the field; however, there is a way to discern the difference between the two, and it begins with straight talk.