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5425 N. Oracle Rd. #135

Tucson, AZ 85704



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Looks sweet right. Beautifully remodeled and not an inch overlooked with NEW kitchen, New Bathrooms, Granite counters in all baths and kitchen, stacked stone gas fireplace, 20” tile throughout, new carpet in bedrooms, new fixtures and fans in every room, new AC, and mature landscaping. It was nestled in a neighborhood overlooking the 4th fairway of Canada course at Conquistador Golf Club. This house even had special features including a private master suite patio access to back patio with pergola covered hot tub. Kitchen island even included a beautiful new wine fridge and sink. This was truly one of the nicest remodels we’ve ever done…but it was full of surprises. Olympic Place set the tone for the future of how we fund our projects. It was owner financed. Meaning, the owner held the note for over $200,000 while we fixed it up. We gave up a little more profit but in the end saved on our monthly cost while freeing up other financial resources. Sellers willing to take on the role of ‘owner financier’ represent only a small fraction of all sellers less than 10%! That’s because the deal is not without legal, financial, and logistical hurdles. But by taking the right precautions and getting professional help, sellers can reduce the inherent risks.Elevate Your Credit Score
The importance of good credit is a fact of life. Banks and credit card companies decide whether to lend you money and what interest rates you will pay based on your credit score. Be prepared to examine past choices and change your money habits if necessary. Decisions you make today will impact your future options! There are a few things you should avoid before and during the load process. Some of these things may seem obvious but we’ve seen it all!

-Don’t buy a new car! (unless you want to live in it)
-Don’t apply for a new credit card! (it needs to wait)
-Don’t get behind on payments! (rent, child support, & credit cards need to be current)
-Avoid changing jobs! (job changes can be good, it could delay your request for a loan)
-Don’t close any credit accounts! (It can affect your score negatively)
-Don’t spend your savings! (You’re gonna need cash for that down payment)
-Don’t move money without a paper trail! (lenders need documentation)
-Don’t go furnish your new home before you own it! (wait until closing)The average credit score for purchase mortgages has reached an all-time high of 755. The median credit score in the U.S. is about 720; the average score is 695. Though a high credit score isn’t required to qualify for a mortgage, prospective buyers with lower credit scores generally will receive less favorable terms than those with higher scores. So learn your digits.

FREE Annual Credit Report: http://www.

Credit Scores for a fee:
Equifax (1-800-685-1111)
TransUnion (1-800-916-8800)
Experian (1-888-397-3742)

ABCs of Home buying videos, guides you through the credit and home buying process:

Home Loan Learning Center Information:

Read (and Understand) the Fine Print:
Consumers have more ways than ever to buy a home. Know your rights. Homebuyers should understand their mortgage contract and be on the look-out for scam artists and predatory lenders.

Exterior – Polybutylene underground water mains are usually blue, but may be gray or black (do not confuse black poly with polyethelene pipe). It is usually 1/2″ or 1″ in diameter, and it may be found entering your home through the basement wall or floor, concrete slab or coming up through your crawlspace; frequently it enters the home near the water heater. Your main shutoff valve is attached to the end of the water main. Also, you should check at the water meter that is located at the street, near the city water main. It is wise to check at both ends of the pipe because we have found cases where copper pipe enters the home, and poly pipe is at the water meter. Obviously, both pipes were used and connected somewhere underground.

Interior – Polybutylene used inside your home can be found near the water heater, running across the ceiling in unfinished basements, and coming out of the walls to feed sinks and toilets. Warning: In some regions of the country plumbers used copper “stub outs” where the pipe exits a wall to feed a fixture, so seeing copper here does not mean that you do not have poly.Polybutylene is a form of plastic resin that was used extensively in the manufacture of water supply piping from 1978 until 1995. Due to the low cost of the material and ease of installation, polybutylene piping systems were viewed as “the pipe of the future” and were used as a substitute for traditional copper piping.One of the biggest problems facing real estate professionals is what to do about homes with polybutylene. Some agents will not show a buyer a home with poly. If you’re representing a buyer, you wouldn’t want to sell your client a home with poly without them being made aware of the problems with poly.-don’t blame others
-own your mistakes
-communication matters
-you need allies!
-share credit & recognize
-honor deadlines
-delegate the right jobs to the right people!
-know your strengths & weaknesses
Create a positive environment and you’ll achieve your work goals much easier.1. Put on safety glasses and work gloves, and then cut around the seam of the wall where it connects to the side wall. This cuts through the drywall tape, making for a neater repair.
2. Use pry bars to remove the trim.
3. The nails in the top plate will probably be pretty tough. An old-time nail puller is the best way to remove stubborn nails.
4. Next, go to work with the reciprocating saw. Cut through the top plate on either side of a vertical support stud. Remove the chunk of the 2-by-4 top plate and use a pry bar to remove the two sections of the top plate.
5. Cut along the base of the wall, horizontally, with the reciprocating saw. Once done, have a friend help you lift and remove the wall.
6. Pry the base plate from the floor using a crowbar.
7. Vacuum up the mess using the shop vacuum.
8. Smooth the edges of the cutout area on your permanent wall a drywall rasp.
9. Cut and install a patch using a power drill and drywall screws. Cover the joints of the patch with drywall tape.
10. Throw some drywall mud in a mud bucket and cover up the area using a drywall knife.Every home in need of flipping has a story. Sometimes we get to know the owners and other times it’s anyone’s guess. PJ and I are both treasure hunters. He likes to find houses and I like the vintage and nostalgic finds of the past that randomly show themselves as we acquire a new property. Most often than not, belongings are left behind by overwhelmed family members of lost ones or flooding or rats. Olympic place will always be remembered in our home at Christmas time for a treasure trove of ornaments were found in the garage before the workers had a chance to toss them. Boxes and I do mean boxes of glass vintage ornaments carefully wrapped must have been overlooked by family members, however, not the case. Another man’s trash is truly another’s treasure!  

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About The Author
PJ Wilkins

With decades of experience building and renovating homes, starting Team Social Real Estate AZ has allowed me to provide the best service to those looking to purchase or sell their home here in Tucson.  We've tracked down the best agents, resources and partners to negotiate the right deal, find the right programs, and get you living where you want!  I've always been a problem solver, a fixer, an active doer, and super social. I would rather call a friend who's an expert than use google. Real Estate is a perfect mix for me of working with people in a constantly changing environment while never running out of problems to solve.  Allow Team Social Real Estate AZ at HomeSmart Advantage Group, help you navigate the complex Tucson market and educate you on all that's available! It's easier than you think.

1 Comment

  1. This is a very good tips especially to those new to blogosphere, brief and accurate information… Thanks for sharing this one. A must read article.

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