Next AASEW Meeting – The Ins & Outs of Evicting – March 18th

The next AASEW meeting will focus on theThe Ins & Outs of Evicting.”

The meeting will be held on Monday, March 18th, 2013 at 7:00 p.m. at the Best Western Hotel located at 1005 S. Moorland Road in Brookfield.

The speakers will be Attorney Tristan Pettit of Petrie & Stocking S.C. and Detective Jon Nilsen of the Milwaukee County Eviction Squad.

Atty. Pettit will discuss the top reasons that the courts dismiss landlord’s evictions and Det. Nilson will speak to us about how the execution of a writ of restitution works and what the Sheriff’s Department does to remove tenants that refuse to leave our rental properties after being ordered by the court to vacate.  Det. Nilsen will also tell us what we can do as landlords to provide the Sheriff’s Department with the necessary and vital information that they need in order to safely complete the eviction process.

Attorney Tristan Pettit focuses his practice on representing landlords and property management companies throughout SE Wisconsin.  Atty. Pettit is the presenter of the AASEW’s popular Landlord Boot Camp and also drafts the landlord-tenant forms that are sold by Wisconsin Legal Blank and used throughout the state.  Tristan is in eviction court in Milwaukee County every week representing many members of the Association and other landlords and property managers.

Detective Nilsen has been with the Milwaukee County Sheriff’s Department for 29 years and a Detective since 1995.  He has served in various capacities within the Sheriff’s Department including being a member of SWAT team for 14 years, the mounted unit, working as a bailiff in the courts, and patrolling the freeways. Since 1995 Detective Nilsen has worked with the eviction squad.

This meeting is free for current AASEW members and $25 for everyone else.

Hope that you all can make it.

 

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GUEST POST: The Importance of Rentals In Milwaukee

Below is a very thought provoking guest post from fellow blogger (and friend and fellow AASEW Board Member) Tim Ballering:

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The Journal is reporting:

Over the next three years, Barrett said raze orders in the city are expected to grow to 1,600 homes, with a cost of $24 million.  ”We have a very severe problem right now,” Barrett said.

No kidding we have a “severe problem ”  This a problem that continues to grow rather than moderating.  The number of abandoned and foreclosed houses was bad nine months ago and with fresh snow on the ground you can see even a greater number of unoccupied properties than ever before. At least here on the Southside of Milwaukee these numbers are far worse than what is being reported by the city.

How much of the $24 million of anticipated razing costs could be avoided by making it more favorable to rehab properties and restore them to the tax rolls?

Perhaps the city would do better by working with, instead of against people willing to invest their own money, time and effort into putting foreclosures back in service.  I’m not even suggesting a hand up, just not the current beat down attitude. Not only would there be less spent on bulldozing, but more of the tax base would remain plus the positive economic impact for the community due to spending by owners to maintain and operate this housing.

Between taxes and the sewer and water bills the city gets  at least $5-6 million per year from 1600 functional properties. In the three year period Barrett defines this is a potential of $18 million in city revenue if the buildings were returned to occupancy. Add this to the $24 million to bulldoze and you are north of 40 million dollars.

Can every property that is deemed to be worthy of razing able to be salvaged, of course not.  But many that are in the pipeline today can be.  Every day that a property sits unattended is a day closer to the wrecking ball being the only option for that property.  There are many properties sitting vacant today that are worthy of repair, but will not be so six months or a year from now.

Additionally every time someone like you or I take on the challenge of putting properties back in service the local economy sees a benefit through the wages and materials we pay to get the job done.  All but one of my employees live in the city.  While the money you spend at the Home Depot doesn’t stay in Milwaukee,  the person who is employed by the Home Depot lives in the area and spend their wages here.

A downside for us, but an upside for the community is a greater amount of housing stock available holds rents down.  A more competative market also forces owners to do more to properties to get and keep them rented.

Once the property is back in service ongoing maintenance similarly impacts the local economy in a positive manner. It is estimated that repairs and improvements to rental properties represent $90 -120 million a year in the city of Milwaukee alone.   (These numbers are derived from our company’s experiences, the experiences of other long term owners that I’ve discussed this with and data from the Census Bureau’s Property Owners and Managers Survey.  Our data and that of many other owners indicate a slightly higher number than the Census)

Our company has the capacity and had the will to do 10-12 such projects a year without any government monies.  Heck if the environment was more favorable I could see us doing two properties a month.  We have not made an offer in MIlwaukee since November due the unfavorable policies adopted by the city. See my prior post on buying foreclosures in Milwaukee.  I talk to a lot of other owners with similar capacities that say the same thing.

Milwaukee acts like they are the only girl at the dance – as though real estate investors need to accept their petty obstructions and poor treatment because they are the only game in town.  But there are many other places to invest that treat owners much better.  One of our members is doing a big rehab in Beloit.  When I asked his project manager how it was going with the city he said they were unbelievably nice and truly seem they want to see the project succeed.  We are actively looking at the South Florida market today.

A few notes:

These 1,600 properties must be city owned or near to being city owned.  If they were bank owned the city could and would force the banks to demo the properties on the bank’s dime.  A growing trend is banks that  simply walked away from the mortgage rather than be subjected to the bad side of city regulations and fees. In another instance I spoke to an owner who the bank sued- he thought he lost the properties to foreclosure only to find out later that it was a money judgment only suit.  This adds to the zombie housing effect.  And you though only borrowers walked away.  ;-)

Our police chief is in the news speaking about the link between foreclosed and abandoned housing and crime.  I am certain he is correct on this.  But the Milwaukee Police do not do what they should in cases of property vandalism. See my prior post on property vandalism and the lack of police response.  This vandalism accelerate the rate of properties that are no longer viable for rehab.

 

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East Side Landlord “Think Small” Seminar Event on March 13th

Make plans to attend the fourth East Side Landlord Think Small event hosted by UWM!

This event is free and open to all interested landlords, with a special focus on Milwaukee’s East Side.

This spring’s event promises to be very engaging with featured presenter Attorney Tristan Pettit, who focuses his practice on representing landlords and management companies in landlord-tenant law matters.

Topics will include screening potential tenants and recent updates to landlord-tenant laws in Wisconsin.

As always, there will be networking time to share ideas with fellow attendees, Q&A time with the presenter, and light refreshments will be served.

Event Details

Date: Wednesday, March 13, 2013

Location: Chapman Hall on the UWM Campus, 2310 E Hartford Ave, Regents Room (2nd Floor)

Time: 4:30pm-6:00pm

Please RSVP to Heather Harbach at harbach@uwm.edu.  Your registration helps us in our planning for this event. Please feel free to share this with other landlords that might find this session interesting! If you have further questions, please contact Heather Harbach, UWM Neighborhood Relations Liaison by e-mail at harbach@uwm.edu or by calling 414-229-4451.

Hope To See You There!

 

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So Let’s Talk About . . . Companion/Comfort Animals In Rental Properties

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I have been promising that I would blog about this topic for months (could it possibly be over a year even) and the time has finally come.  So let’s talk about companion/comfort animals in rental properties.

Background:

I will use the terms comfort animals and companion animals interchangeably throughout this post.

So we are all on the “same page” a companion animal is an animal that is NOT specifically trained or certified but rather provides a tenant with a disability with emotional support.  Specifically trained and certified animals that assist people with disabilities is beyond the scope of this post.

Wisconsin does not have a specific statute related to comfort animals.  Many people improperly think that sec. 106.50(2r)(4)(bm), Wis. Stats.  entitled “Animals Assisting People with Disabilities” applies to companion animals.  It does not.  That section deals only with specially trained and certified animals that help people with mobility, vision or hearing impairments.  Comfort animals are not specially trained and/or certified and they do assist people with disabilities afecting more than just mobility, hearing and vision.

So what is the applicable Wisconsin law dealing with companion animals or comfort animals if they do not fall under this provision?  Comfort animals are dealt with under a much more broad section of fair housing law dealing with “reasonable accommodations” which can be found at sec. 106.50(2r)(4), Wis. Stats.

A “reasonable accommodation” is a request made by a tenant for a change in a landlord’s rules, policies, practices or services that are associated with housing when such accommodation is necessary to afford an individual equal opportunity to use and enjoy housing.

For example, a request by a tenant to keep a companion animal is a request for a reasonable accommodation to a landlord’s “no pet” policy.

The Law:

It is considered to be discriminatory to refuse to allow a tenant’s request to keep a comfort animal if they meet the following requirements:

1.   The tenant meets the definition of having a disability under Wisconsin or federal law (“an individual with a physical or mental impairment that substantially limits one or more major life activities, a person regarded as having such an impairment, or a person with a record of such an impairment”).

2.   The accommodation must be necessary to afford the disabled tenant an equal opportunity to use and enjoy the rental property.

3.   There must be an identifiable relationship (or nexus) between the tenant’s disability and the request.

So in the case of a request for a companion animal, the tenant must demonstrate a nexus between their disability and the function or service that the companion animal provides.

A landlord may request reliable disability-related information from a tenant that is necessary to: (1) verify that the tenant meets the definition of having a disability, (2) describes the needed accommodation, and (3) shows the relationship between the two.   If the disability is open and obvious then the landlord should not request verification of the disability from the tenant.

The tenant’s specific disability need not even be disclosed – just the fact that the tenant has a disability is sufficient.

A tenant’s request for a reasonable accommodation may be oral or in writing and the actual term “reasonable accommodation” need not be used.  The request can even be made by someone on the tenant’s behalf.

Practical Effects:

In case you are wondering, the threshold that a tenant must meet in order to be able to keep a comfort animal is very low.

It is not even required that the tenant’s doctor confirm that the tenant has a disability.  HUD and DOJ’s Joint Statement on Reasonable Accommodations Under The Fair Housing Act (May 17, 2004) states that a doctor or “other medical professional, a peer support group, a non-medical service agency, or a reliable third party who is in a position to know about the tenant’s disability” may provide the verification of the tenant’s disability.

As mentioned previously, a tenant’s comfort animal need not be specially trained or certified.  A comfort/companion animal can be any type of animal that the tenant wants.  It could be the dog or cat (or mouse, rat, lizard, fish, . . .  ) that the tenant owned prior to becoming disabled.  It could be the stray dog that the tenant found walking down the alley last week.  It could be a cat that the tenant’s mother no longer wants in her house.  It could be the rat that the tenant bought at the local pet shop.

I have read articles, case law, and been involved in cases in which all kinds of animals have been requested to serve as a tenant’s companion animals . . .  a miniature horses (because it would live longer than a dog and the tenant’s mental health disability would be exacerbated by the death of another dog that wouldn’t not outlive her), 5 cats (each one allegedly assisted the person with a different aspect of their disability), snakes (tenant was allergic to dander), and pit bulls (why . . . . just because).  There is no limit on the type/breed, size, or age of a companion animal.

So if the tenant wants a Bull Mastiff as their companion animal even though they live in an efficiency apartment and a much smaller dog could serve the same purpose, they can do that.

A landlord can deny a tenant’s request for a companion animal if it:

1.  Poses a direct threat to the health or safety of others unless the threat can be eliminated or greatly reduced.

2.  Results in substantial physical damage to the property of others unless the threat can be eliminated or greatly reduced.

3.  Poses an undue financial burden and administrative burden.

4.  Fundamentally alters the nature of the housing provider’s operations.

For example, a landlord could exclude a tenant’s comfort animal if that animal’s behavior poses a direct threat because it attacked another tenant.

In order to make a decision to deny a tenant’s reasonable accommodation request to keep an animal that poses a direct threat to others safety, you will be required to go through a very fact intensive analysis.  You cannot just refuse the tenant’s pit bull comfort animal just because you might believe that all pit bulls are inherently dangerous.  There must be a direct threat not just a speculative risk.   Even if the animal was once dangerous, if the tenant takes the animal to obedience training, administers medication, or purchases the animal equipment (like a muzzle) which causes the animal to no longer be dangerous, then it may no longer be reasonable to exclude the animal.

I have worked with many landlords and management companies in analyzing whether a tenant’s request for a reasonable accommodation to keep a companion animal should be granted.  Without a doubt the single most difficult concept for my clients to accept is that a comfort animal IS NOT A PET.

I find it easier for landlords to understand this concept if they think of the comfort animal as an assistive device such as a wheelchair, crutches,  or pain medication.  By thinking this way, many landlords will be better able to keep themselves out of trouble.  Let me explain provide an example.

One of my clients generally understood that he had to allow his tenant to keep a comfort animal but he was wondering if he could at the very least require the tenant (and the companion animal) to live in the one building in his apartment complex that allowed pets.  It was a very innocent question and one that I sure many landlords might have themselves.

The answer is a resounding “NO.”  Why is that?

Remember, a companion animal is not a pet.  Again, think of the companion animal as an assistive device such as a wheelchair.  Would it be acceptable to require all tenants that use wheelchairs to live in one building together?   Would it be OK to require all tenants that are prescribed antidepressant medication to live on the same floor?  Of course not.  Well the same goes with the tenant with the companion animal.

Since comfort animals are not pets a landlord is also not allowed to make the tenant that has one enter into a Pet Agreement or pay a monthly pet fee or even a pet deposit.

Having said that, a tenant that has a companion animal is still responsible for the animal’s behavior and any damage that it may cause.  For example, the tenant must still pick up after the companion animal.  The tenant must still keep the comfort animal on a leash and prevent it from jumping on or harming others.  The tenant must still prevent the comfort animal from making excessive noise or damaging the rental property.

If a tenant does not take responsibility for the actions of their companion animal a landlord has every right to serve that tenant with the appropriate notice to correct breach or vacate and evict if them if needed.  Since comfort animals are not specially trained or certified poor behavior is often an issue.  I have had to evict several tenants with companion animals as a result of their poor behavior.   In one case the companion animal which happened to be a dog repeatedly escapeed from the rental unit and ran free in the common areas of the building.  Another case the animal (a dog again) bit another tenant.  Another, involved a dog that crapped all over the lawn and the tenant refised to pick up after it.

Conclusion:

The popularity of comfort/companion animals is not waning.  I expect that landlords and management companies will be getting more and more requests as more people are being diagnosed and treated for mental health issues for which a companion animal may prove helpful.  Not to mention that many war veterans are returning with PTSD, depression, and/or anxiety, for which comfort animals are being prescribed.  And there will always be those tenants that just want to have a pet without having to pay a pet fee or move to a rental unit that allows pets, so they buy a pet, play the system, and “disguise” their pet as a comfort animal.

If you have not already dealt with a request by a tenant for a reasonable accommodation to your “no pet” or “limited pet” policy, I am certain that you soon will.  As such, it is very important that you educate yourself on the applicable laws so that you can properly handle such a request from a tenant and not run afoul of federal or state laws.

If you would like to learn more about comfort animals, reasonable accomodations, and fair housing (discrimination) law considering attending the AASEW’s upcoming LANDLORD BOOT CAMP on February 23rd, 2013.

 04-30-13 UPDATE:  HUD has issued a Notice on Assistance Animals and Reasonable Accomodations For Persons with Disabilities.  See my post on this.

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It’s Not Why Should You Join the Apartment Association of SE Wisconsin . . . It’s Why Wouldn’t You?

By Joe Dahl (President of the Apaartment Association of Southeastern Wisconsin, Owner of Milwaukee Metro Management, and guest blogger)

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Why Join the AASEW?

Since becoming President of the Apartment Association of Southeastern Wisconsin (AASEW) earlier this year and traveling around southeast Wisconsin promoting the group, I am continuously asked by prospective members “Why should I join the AASEW?”

I admit that my first reaction is often to turn the question around and ask the prospective member, “why wouldn’t you belong to the largest trade organization in our industry which has been tirelessly advocating for landlord rights and businesses in general?”  I want to ask them if they are aware that the AASEW has saved landlords and the rental industry in general millions of dollars by fighting unfair laws and ordinances. The AASEW has been at the forefront of issues ranging from lead paint to property recording fees and were the only organization to fight against the city of Milwaukee’s Residential Rental Inspection (RRI) program, spending almost $100,000 dollars while lobbying and litigating against this unconstitutional program.

However more often than not, I politely explain to the prospective member at least 5 reasons that they should join the AASEW.

1.   There Is Strength In Numbers

Have you seen the video of the 2.3 million toothpicks against the tiger? If not, you should as the story is a good analogy for our industry.  We have over 40,000 landlords in Southeaster Wisconsin.  Individually, none of us have a chance against the tiger (= state/local government).

The City of Milwaukee’s Residential Rental Inspection program is a great example of this. I have not met one landlord who agrees with this program. Even if your rental units are in great shape and have no significant deferred maintenance – by the way I own and manage rental units in both of the targeted areas and have received only minor violations — I am sure that you take issue with having to pay a government employee to come into your property to look for code violations. However the “tiger” is strong and hungry (i.e. broke) so he turns to his number one prey for sustenance — landlords.

As mentioned above, the AASEW fought this ordinance from the start.  We talked and lobbied city officials and when that failed, we assisted affected owners by funding a lawsuit.  Unfortunately in the end, we did not have enough strength to resist the attack, and we lost.

The proper approach to defeat this type of legislation is multifaceted and will require greater strength and more involvement by landlords in the future.  Going forward however, we first need to support the aldermen who — just like us — were against the RRI program.  Second, we need to educate the politicians about the economic impact that landlords have in SE Wisconsin.  I’m fond of saying if we were in the business of manufacturing widgets, politicians would be tripping over one another to throw both money and praise on us.  That certainly is not happening currently.

This year I will be asking the AASEW’s Board of Directors to authorize a comprehensive analysis of the economic contribution our industry makes in this region, and more importantly the pejorative impact that excessive fees and punitive ordinances have on our ability to hire employees, grow our small businesses, and contribute to the financial well-being of Wisconsin.  The resulting report from this analysis will then be distributed to every politician in the area.

Third, we need to become more organized and efficient at getting out the vote.  Which alderman/legislator is most unsympathetic to our cause?  How many units do we control in his/her district? How do we get the message out to our customers (tenants) that a certain politician is not acting in their best interests?  How do we mobilize tenants to express their dissatisfaction at the polls? We must hold the “tiger” accountable, and remember that he will not stop unless he is forced to stop.

In two years the RRI program will be reviewed for possible city-wide expansion.  I promise you friends, that if you think the “tiger” is going to limit his hunting area to just the current pilot areas of Lindsay Heights and the UWM areas, you are soon going to be the “tiger’s” dinner.  We must organize now for this imminent expansion and stop the “tiger” in his tracks!

2.   Bad Laws Travel

Many of my colleagues with property outside of the Milwaukee area do not see the value of joining the AASEW as many of the most repressive ordinances and aggressive enforcement occur in Milwaukee. To this I frequently remind them that the Residential Rental Inspection program had its roots in an ordinance passed in Minneapolis, Minnesota.  Our esteemed commissioner of the Department of Neighborhood Services at the time admired greatly the efforts of our northern counterparts in “holding landlord’s accountable.”  Similar ordinances to Milwaukee’s are already popping up in other parts of Wisconsin.

Unfortunately Milwaukee is often the testing ground for such new laws, and if we are not organized enough to be in a position to stop them here, other areas will suffer as well. I assure you that what happens in Milwaukee does not just stay in Milwaukee – it can impact all of Southeast Wisconsin

3.   Education

We are fortunate to have the premier landlord-tenant law attorney in the state of Wisconsin on the AASEW’s Board of Directors.  Attorney Tristan Pettit’s reputation for vigorously defending landlords is laudable and the respect that he garners from his peers and the court’s is undeniable.  Tristan is a landlord himself and recognizes that the best way for us to protect ourselves is to educate ourselves.  Every owner/operator should attend the AASEW’s Landlord Boot Camp and rental property management companies should send each of their managers to this all-day seminar.  Tristan and other AASEW board members constantly evaluate our curriculum to ensure that our members have access to the most current information so that it can positively impact their businesses and bottom lines.

4.   Discounts

The AASEW is actively working on implementing ways to leverage rental property owners and managers’ group purchasing power in order to lower our individual costs.  Possibilities include providing members a discount card that they can present to vendors in order to receive a discount and other innovative ways to implement group purchasing power.  For an example look at some of the ideas of AASEW board member Tim Ballering.

5.   Mentoring

Every successful landlord has had someone who gave them a guiding hand or some good advice along the way.  I can say without a doubt that the reason that my business is as successful as it is is because I was fortunate enough to have a mentor named Dennis Miskowski who taught me the fundamentals of the trade.

Having the ability to turn to such a successful landlord for advice saved me a lot of wasted effort and energy.  Mindful of what he has done for me, I have taken an interest in mentoring others and will not hesitate to field questions from young energetic (and at times naïve) landlords about the nature of our business.  One of my favorite things about the AASEW is that it is a venue for those who have received to give back to others.  Conversely, it provides those who are new to the business and hungry for information an opportunity to meet others who are already where the newer landlord wish to go.

There are countless other reasons to join the AASEW, but after I talk about the reasons above, most interested members are tired of hearing me talk (and probably of reading this post) and decide to join the AASEW in order to shut me up.  I encourage you to get active in the AASEW and help make Wisconsin a better place for landlords to do business.

All the best.

Joe

joe@milwaukeemetromanagement.com

 

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5th Annual Landlord Boot Camp Is Just Around the Corner – February 23, 2013 – Register now.

 

Landlording can be pretty complex, with a seemingly never ending myriad of paperwork, rules, landlord-tenant laws and simple mistakes that can cost you thousands.

The Apartment Association of Southeastern Wisconsin’s Fifth “Landlord Boot Camp” can help you navigate these treacherous waters and learn how to run your properties with greater profit and less hassles.

Who:  Taught by Attorney Tristan Pettit, who drafts the landlord tenant forms for Wisconsin Legal Blank.

Attorney Tristan Pettit has given similar landlord-tenant law seminars to fellow attorneys, landlords, and property manager organizations that charge their members $300-$400.    This is your opportunity to learn all of the same information at a huge discount through the Apartment Association .

When: Saturday, February 23rd 8:30 AM – 5:30 PM —- Registration opens at 7:00 AM

Where: Clarion Hotel 5311 S. Howell Avenue, Milwaukee [Map]

Included: 100 plus page manual to help you put what you learn into practice.

Price:

Early Bird  – Sign up before Feb. 13th, 2013 and save

  • Members           $159
  • Non-Members   $249

Regular Registration after Feb. 13, 2013 but before Feb. 20th, 2013

  • Members           $259
  • Non-Members   $349

Sorry, no registrations accepted after 5 PM Feb. 20th, 2013

Specials: Not a member?  Pay just $1 more and enjoy a full 10 months of AASEW membership.

Wisconsin landlord-tenant laws are constantly changing.  To help keep you up to date we offer prior attendees a $50 discount.

Read prior attendees’ testimonials.

What you will learn at the Apartment Association’s 2013 Landlord Boot camp

Landlord Boot Camp covers everything that you need to know about residential Landlord Tenant law in Wisconsin, as amended by Act 143, including:

  1. How to properly screen prospective tenants.
  2. How to draft written screening criteria to assist you in the selection process.
  3. How to comply with both federal and state Fair Housing laws including how to comply with “reasonable modifications”  and “reasonable accommodations” requests.
  4. How to legally reject an applicant.
  5. What rental documents you should be using and why.
  6. When you should be using a 5-day notice versus a 14-day notice, 28-day notice, or 30-day notice and how to properly serve the notice on your tenant.
  7. Everything you wanted to know (and probably even more than you wanted to know) about the Residential Rental Practices (ATCP 134) and how to avoid having to pay double damages to your tenant for breaching ATCP 134.
  8. When you are legally allowed to enter your tenant’s apartment.
  9. How to properly draft an eviction summons and complaint.
  10. What to do to keep the commissioner from dismissing your eviction suit.
  11. What you can legally deduct from a security deposit.
  12. How to properly draft a security deposit transmittal / 21 day letter.
  13. How to handle pet damage.
  14. What to do with a tenant’s abandoned property and how this may affect whether or not you file an eviction suit.
  15. How to pursue your ex-tenant for damages to your rental property and past due rent (and whether it is even worth it to do so).
  16. An ample question and answer period.  This alone is worth the admission.
    . . .  and much more.

You get all this for less than you would pay for an hour of an attorney’s time.

Last year’s AASEW Landlord Boot Camp was filled to capacity.  So much so we even had to turn a few people away.

You can sign up online at here or call the Association at (414) 276-7378 or email us at  membership@apartmentassoc.org today to reserve your spot.

Remember that “landlording” is a business — so take the time to educate yourself on how to better manage your business and avoid costly errors!

 

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Next AASEW Meeting: “Do You Have Proper Insurance For Your Rentals” – January 21, 2013

Join us at the AASEW‘s next monthly membership meeting on January 21, 2013 at 7 pm at the Best Western Hotel (1005 S. Moorland Road, Brookfield).

The presentation will be entitled “Do You Have Proper Insurance For Your Rental Property?”

Bob Dummer of P&C Insurance and Dan Schani of Dan Schani  Insurance Agency will be the featured speakers.

If you’re like me, the topic of insurance sounds pretty boring … that is until you are standing in front of the burned shell of one of your properties.  Then the only thing you can think about is insurance.

Rather than hoping you made the right decisions for cost effective insurance, take an hour and learn from some of the best in the industry.  How do I know they’re a couple of the best?  I’ve worked with both.  Bob is my primary insurance agent.  Dan is a former AASEW board member.

- Tim Ballering, Affordable Rental Associates, LLC

Meeting is free for current AASEW members, $25 for guests or expired members

Hope to see you there.

T

 

 

 

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