You May Not Need as Much as You Think for Your Down Payment

Some Highlights

Many people believe you need to put down 20% of the purchase price when you buy a home. But recent homebuyers actually put down far less on their purchase.

And with programs like FHA loansVA loans, and USDA loans, some qualified buyers are able to put down as little as 0-3.5%.

Let’s connect to make sure you have a trusted lender and can find out if you’re ready to buy a home sooner rather than later.


Free Buyer Guide

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45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Ensuring Healthy Air and Water Quality in Your Home

Since the Pandemic, many homeowners have spent more of their time inside their homes, whether for entertainment or work. IAQ (indoor air quality) and water have, thus, become increasingly focused, especially during the winter. As we spend more time indoors, our health can become negatively impacted by contaminants in our residence that we are not aware of yet should be. If you are experiencing acute symptoms such as allergies, frequent colds, nasal congestion, fatigue, dizziness, nausea, or fever only when present at home, it could be due to certain toxins in the air and water. Here are some steps to identify and address a current issue and some easy preventative measures to preserve the air and water quality in your home and protect your health.

Air Quality

Let’s start with the air. You may be aware through smell that something isn’t right, yet some toxins may exist in large quantities that you are not privy to because they cannot be smelled, seen, or tasted. Mold and tobacco have a distinctive odor that can easily tip you off. Yet, carbon monoxide and radon are dangerous examples of colorless, odorless, and tasteless contaminants that can cause illness or death without warning if you don’t take steps to prevent onset. Let’s look at some safe and affordable ways to safeguard indoor air.

CO2 and smoke detectors

Everyone should have these installed in or near the bedroom or wherever they sleep. These can detect carbon monoxide and smoke and alert you with an alarm to awaken you, as necessary. Check functionality and change batteries at least twice per year.

Check for signs and symptoms of mold

If a moldy smell is not removed after cleaning, you could have an infestation that needs to be addressed by a mold specialist. Check for black spots, leaks, and damp areas.

Air filters and purifiers

Change your filters every three months or more frequently if you have pets, allergies, or a recent construction that could emit paint fumes and dust particles. Use a filtered or electronic air purifier which helps remove most of the dust particles, mold spores, and other airborne allergens. Opt for an electronic one as it is more efficient and put it in the bedroom where it will benefit you most.

Ventilation and humidity level

Use an exhaust fan while cleaning, cooking, and showering. Have a few house plants that will absorb some CO2 in the air. Keep the relative humidity in the home between 30 and 50%.

Regular cleaning schedule

It’s easy to neglect areas tucked away or not in frequent use. Dust regularly and carefully clean all crevices that could collect bacteria and mold. Spot clean mold before it becomes unmanageable. Be mindful of diluting strong cleaning products or use environmentally friendly products.

Drinking Water Quality

As important as the air is your drinking water. You can evaluate your water’s safety by a simple senses test. Strong indicators of contamination or poor quality are cloudiness, color, and a rotten egg or fishy smell. Toxicity in water can come from bacterial contamination and overtreatment with chemicals. Ingestion over time can lead to symptoms such as dehydration, diarrhea, high blood pressure, and muscle weakness. More serious complications include gastrointestinal, nervous system, reproductive issues, liver and kidney failure, and bone damage. If the water smells or tastes bleachy or metallic, it has an overabundance of chlorine or metals. If you suspect your drinking water may be contaminated, it’s best to stop drinking tap water and consult your utility company for safety measures. In the meantime, here are some helpful guidelines and common-sense steps to monitor and ensure your home’s water quality.

Be a smart consumer

You can obtain water quality reports from your local utility company that provide information about any toxins and health risks they pose. Check with your state’s EPA for any news about hazards and actions to improve water quality. You may consider investing in formal testing and analysis by a lab or special monitoring device for extra assurance.

Perform DIY water test

If you use a private and unregulated water source, you can contact a local water testing organization or the Water Quality Association to obtain a testing kit. Testing for lead should be done over time as it may not initially be detected.

Install a water-infiltration system

This is especially important if your home is over 20 years old and the plumbing shows signs of corrosion. This system can remove lead and other contaminants. Ask your water company or a plumber if you need a professional evaluation.

Bottom Line

Maintaining indoor air quality and drinking water in your home is an ongoing process that should be prioritized for your health. Through safe and affordable means, you can protect and preserve those two life-giving elements in your home that we often take for granted. It’s important to assess your home’s environment regularly and to keep track of any unusual changes or chronic symptoms.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


The Top Reasons for Selling Your House

Many of today’s homeowners bought or refinanced their homes during the pandemic when mortgage rates were at history-making lows. Since rates doubled in 2022, some of those homeowners put their plans to move on hold, not wanting to lose the low mortgage rate they have on their current house. And while today’s rates have started coming down from last year’s peak, they’re still higher than they were a couple of years ago.

Today, 93% of outstanding mortgages have a rate at or below 6%. That means a strong majority of homeowners with mortgages have a rate below what they’d get if they moved right now. But if you’re a homeowner in that position, remember that mortgage rates aren’t the only thing to consider when making a move. Your mortgage rate is important, but there are plenty of reasons you may still need or want to move. RealTrends explains:

“Sellers who don’t have to move won’t be moving. The most common sellers will be: Homeowners downsizing . . . people moving to get more space, [households] looking for better schools…etc.

So, if you’re on the fence about selling your house, consider the other reasons homeowners are choosing to make a move. A recent report from the National Association of Realtors (NAR) breaks down why homeowners have decided to sell over the past year:

The Top Reasons for Selling Your House | MyKCM

As the visual shows, the most commonly cited reasons for selling were the desire to move closer to loved ones, followed by moving due to retirement, and their neighborhood becoming less desirable. Additionally, the need for more space factored in, as did a change in household structure.

If you also find yourself wanting a change in location or needing space your current house just can’t provide, it may be time to sell.

What you want and need in a home can be reason enough to move. To find out what’s right for you, work with a trusted real estate professional who will offer advice and expert guidance throughout the process. They’ll be able to lay out all your options – giving you what you need to make a confident decision.

Bottom Line

When deciding whether or not to move, you have a lot to consider. There are plenty of non-financial reasons to factor in. Let’s connect today to weigh the benefits of selling your house.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Kitchen Trends for 2023

Are you tired of facing another year looking at the same humdrum colors, designs, and surfaces in your kitchen? Do you feel materials need to be updated? Like others, you spend much time here prepping, cooking, and entertaining. Consider redecorating for the new year! Peruse the following kitchen design trends for 2023 that many designers are predicting or currently observing as popular. Let these invigorate your drive for change and help you decide what appeals to your needs, wants, and budget.

Bright colors versus neutral

Decadent and saturated colors for the walls and cabinetry, such as blue, green, red, and brown, have become preferred over gray and white. Also, vibrant patterns such as Art Deco are becoming the rage and layering with multiple colors such as two-toned cabinets and backsplashes. Statement lighting, instead of a subdued ambiance, is preferred to accent the environment further.

Mixing and matching countertops

It’s become customary to install different surfaces for practicality and diversity. For example, a marble counter for baking and a butcher block for preparation and serving. Granite is another option, yet it is becoming outdated and being replaced by quartzite and porcelain. These are preferred over speckled granite surfaces because of their subtlety and ease of keeping clean. Differing metals can be used side by side for an interesting contrast.

Open Space

The kitchen is becoming increasingly popular for entertainment, creating more demand for additional space for food preparation. Open shelving is being replaced with lower drawers, and walk-in pantries are preferred over bulky kitchen islands for out-of-the-way prep and clean-up. Alfresco kitchens with a neighboring vegetable and herb garden allow us to eat fresher in a natural setting. Those who cannot afford to expand their kitchens physically are getting creative by adding durable tables that can be used as countertops and for seating.

Sustainability

Sustainability—a desire for simpler times in a complicated world is creating a push for organic materials and efficient appliances. Surfaces made with brick, stone, patina, and rattan bring a sense of warmth and countrified living as opposed to the sleekness and sterility of steel and plastic. For that matter, wood cabinetry with artisan details is considered quaint and inviting again, as are curtains and other fabrics which add a soft contrast to harder elements. Smart appliances such as Wi-Fi-connected programmable cookers and induction ovens cook quickly and retain heat to save on energy costs.

Utilitarian yet stylish

Although there is a growing need for more practicality and earthiness in kitchen design, the desire for upscale style has not diminished. Plush, state-of-the-art appliances prominently displayed without the appearance of bulkiness and dysconnectivity have gained importance, such as with backless stoves and hidden electrical outlets.

You have options for redecorating your kitchen, and the design world is full of trending suggestions for the new year. Whether you go bright and bold, warm and rustic, or combine the two, you can find the perfect décor to re-design the kitchen of your dreams for 2023.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Experts Forecast a Turnaround in the Housing Market in 2023

The housing market has gone through a lot of change recently, and much of that was a result of how quickly mortgage rates rose last year.

Now, as we move through 2023, there are signs things are finally going to turn around. Home price appreciation is slowing from the recent frenzy, mortgage rates are coming down, inflation is easing, and overall market activity is starting to pick up. All of that’s great news for the housing market this year. Here’s what experts are saying.

Cristian deRitis, Deputy Chief Economist, Moody’s Analytics:

“The current state of the housing market is that it is certainly in transition.”

Susan Wachter, Professor of Real Estate and Finance, University of Pennsylvania’s Wharton School:

“Housing is going to ease up. I think 2023 will be a turnaround year.”

Lawrence Yun, Chief Economist, National Association of Realtors (NAR):

“Mortgage rates have fallen in the recent past weeks, so I’m very hopeful that the worst in home sales is probably coming to an end.”

Robert Dietz, Chief Economist and Senior Vice President, National Association of Home Builders (NAHB):

“. . . it appears a turning point for housing lies ahead. In the coming quarters, single-family home building will rise off of cycle lows as mortgage rates are expected to trend lower and boost housing affordability.”

Bottom Line

If you’re thinking about making a move this year, a turnaround in the housing market could be exactly what you’ve been waiting for. Let’s connect to talk about the latest trends in our area.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Make Your Home Pet-Friendly

You can have a beautiful home while making it safe and comfortable for your pets, your family, and young children. Keeping a house clean, odor-free, and elegant can be difficult when you have a four-legged creature running around. However, with attention to your pet’s comfort and making it easy on yourself, you can maintain a tidy and attractive home that serves both animal and human needs. Here are some ways you can make your home safe and accessible for pets while also protecting it from damage, dirt, and allergens.

Vacuum Regularly

It may feel like a burden to have to pull out the vacuum more often than if you didn’t have a pet. However, shedding fur can build up very quickly, creating an allergic environment. Invest in a good vacuum that can suck up hair from carpets, floors, and furniture. Consider a system that vacuums for you such as a Roomba specifically designed to handle pet hair.

Bathe and Groom

Shampooing, brushing, trimming, and clipping regularly will keep your cat or dog clean longer with less shedding and wear and tear on your furniture, rugs, floors, and upholstery.

Choose Your Fabrics and Flooring With Pets In Mind

Use stain-resistant and washable fabrics—Use synthetic fabric resistant to stains, mud, smells, and bacteria. Choose materials that are easy to clean, such as leather or washable cotton blankets, bedsheets, and mattress pads.

Choose flooring over wall-to-wall carpeting—A carpet is difficult to keep clean due to its absorption of stains and odors. If you prefer carpet, choose a low pile that’s easier to clean and won’t snag your pet’s toenails, causing an unraveling. It’s simpler to clean up a pet accident from a bare floor, especially hardwood floors. They are easy to mop and vacuum, yet a caveat is they are not resistant to scratch marks from a large dog. Ceramic tile is the most resistant to stains and scratches, while porous stone isn’t.

Create a pet-friendly space

Provide an accessible doorway for your pet to come in and go out. The floor should be easy to clean when tracking in dirt. There should be a closet, cabinet, or drawer to keep pet accessories and food. If you have the space in your yard, create a contained area with toys to keep your pets amused in the warm weather. Rubber toys are a good substitute for rawhide bones which are messy and unhealthy for dogs. It gives your dog something to chew on other than the furniture, and they won’t be subjected to harmful nitrates. A scratching or climbing post for your cats will allow them to exercise while distracting them from jumping on and clawing furniture. If you must keep your pet in a crate overnight, make it comfortable with enough padding. If the container is unsightly, you can build a top cover to make it a bench seat.

Inspect All Areas

Inspect all areas for danger to your pets—Check for and remove any hazards that could lead to choking, electric shock, and suffocation. Just like you would protect young children, the same applies to your pets. Keep poisonous items, medications, and human food out of an animal’s reach. Research safe plants to purchase and avoid feeding foods that are harmful to your pet by checking the ASPCA database. Keep a tight lid on your garbage pail and place toilet lids down if you use an automatic bowl cleaner. Secure electrical cords and pull strings on blinds and curtains.

Prevent falling injuries—Install sturdy screens, and don’t leave ladders out that your pets may be tempted to climb.

Your pets are like family members, yet you should still be able to preserve your home’s inner and outer assets. With these cleaning, grooming, and safety tips, you can cater to your pet’s comforts and well-being while maintaining beauty, functionality, and cleanliness in your home.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


The Power of a Positive Playlist with John Chester

In this episode, I speak with John Chester about all the different ways music can affect you, your mood, and your life. John is a podcast host on the OBBM Network. Not only that, but he is also an author, speaker, and licensed music therapist. He hosts the “Power of Positive Playlists” podcast, where you can discover what you already have to get what you really want. Listening to music for entertainment is normal. Listening for motivation is productive. Listening to enable a bad habit is harmful. People have invested a lot of time looking to music to overcome the traumas of life, and that is why he created the “Power of Positive Playlists.”

Music can help heal a weighted down mind. Take a listen to this powerful episode.
_______________________________________
John Chester: Ivor Chester
Podcast: Power of a Positive Playlist Podcast
Book: Itty Bitty Book of Positive Playlists
Instagram: @ivorchester
Twitter: @ivorchester3
YouTube: @ivorchester8465
Email: jivor3@gmail.com
Phone: 214-606-8625
_______________________________________

Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Should You Rent Your House or Sell It?

If you’re a homeowner ready to make a move, you may be thinking about using your current house as a short-term rental property instead of selling it. A short-term rental (STR) is typically offered as an alternative to a hotel, and they’re an investment that’s gained popularity in recent years. According to a Harris Poll survey, 28% of homeowners have considered using a rental service to temporarily rent out their home for additional income.

Owning a short-term rental can be a tempting idea, but you may find the reality of being responsible for one difficult to take on. Here are some of the challenges you could face if you rent out your house instead of selling it.

A Short-Term Rental Comes with Responsibilities

Successfully owning and renting a house takes work. Think through your ability to make that commitment, especially if you plan to use a platform that advertises your rental listing. Most of them have specific requirements hosts have to meet, and it takes a lot of work. A recent article from Bankrate explains:

Managing a rental property can be time-consuming and challenging. Are you handy and able to make some repairs yourself? If not, do you have a network of affordable contractors you can reach out to in a pinch? Consider whether you want to take on the added responsibility of being a landlord, which means screening tenants and fielding issues, among other responsibilities, or paying for a third party to take care of things instead.”

Not only is there the upfront time and cost of owning a short-term rental, but there are also risks that could come up for you down the road. Investopedia warns:

“Risks of hosting include renting your place to rude guests, theft or damaged property, complaints from neighbors, and potential regulatory violations depending on your location.”

There’s a lot to consider before taking the leap and converting your house into a short-term rental. If you aren’t ready for the work it takes, it could be wiser to sell instead.

Your House May Not Be Ideal for Your Rental Goals

Not every house ends up being a profitable short-term rental either. One of the biggest factors is where your home is located. The less likely your neighborhood is to be a travel destination, the fewer requests you should expect from potential renters—and that impacts your bottom line. An article from the National Association of Realtors (NAR) advises:

“When it comes to the viability of profitable STRs . . . consider factors like location, amenities, and whether the property is appealing. Most people seek STRs in locations where they vacation, so proximity to attractions is important. Likewise, the property should cater to a variety of travelers.”

It’s smart to do your homework and learn how much rentals in your area go for, how much business they get throughout the year, and how this compares to your goals.

Bottom Line

Converting your home into a short-term rental isn’t a decision you should make without doing your research. To decide if selling your house is a better alternative, let’s connect today.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Lower Mortgage Rates Are Bringing Buyers Back to the Market

As mortgage rates rose last year, activity in the housing market slowed down. And as a result, homes started seeing fewer offers and stayed on the market longer. That meant some homeowners decided to press pause on selling.

Now, however, rates are beginning to come down—and buyers are starting to reenter the market. In fact, the latest data from the Mortgage Bankers Association (MBA) shows mortgage applications increased last week by 7% compared to the week before.

So, if you’ve been planning to sell your house but you’re unsure if there will be anyone to buy it, this shift in the market could be your chance. Here’s what experts are saying about buyers returning to the market as we approach spring.

Mike Fratantoni, SVP and Chief Economist, MBA:

Mortgage rates are now at their lowest level since September 2022, and about a percentage point below the peak mortgage rate last fall. As we enter the beginning of the spring buying season, lower mortgage rates and more homes on the market will help affordability for first-time homebuyers.”

Lawrence Yun, Chief Economist, National Association of Realtors (NAR):

The upcoming months should see a return of buyers, as mortgage rates appear to have already peaked and have been coming down since mid-November.”

Thomas LaSalvia, Senior Economist, Moody’s Analytics:

“We expect the labor market to remain robust, wages to continue to rise—maybe not at the pace that they did during the pandemic, but that will open up some opportunity for folks to enter homeownership as interest rates stabilize a bit.”

Sam Khater, Chief Economist, Freddie Mac:

“Homebuyers are waiting for rates to decrease more significantly, and when they do, a strong job market and a large demographic tailwind of Millennial renters will provide support to the purchase market.”

Bottom Line

If you’ve been thinking about making a move, now’s the time to get your house ready to sell. Let’s connect so you can learn about buyer demand in our area the best time to put your house on the market.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.


Homeownership Builds Your Wealth over Time

Some Highlights

If you’re thinking of buying a home this year, be sure to factor in the long-term benefits of homeownership.

On average, nationwide, home prices appreciated by 288.7% over the last 32 years. That means homeowners grow their net worth significantly in the long term.

Homeownership wins over time. Let’s connect so you can start your homebuying journey today.


Free Buyer Guide

Free Seller Guide

45 Easy Ways to Sell Your Home Faster

Robin McCoy is a Texas Realtor with Keller Williams Realty. License #0582766
RobinMcCoyRealty.com | 214.226.3770 | RobinMcCoy@kw.com


The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Robin McCoy Realty Group and Living in DFW does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Robin McCoy Realty Group and Living in DFW will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.