a creative real estate...

A C r e a t i v e R e a l E s t a t e C o l l e c t i v e

Mary Jane “MJ” Codey | Sales PartnerLicensed since 2005Broker Assoc. license in 2009

C: 201.424.2738 | O: [email protected] | www.silverandoak.com

Vanwah “Van” Maragh | Sales PartnerLicensed since 2018


Maria Druhora | Sales PartnerLicensed since 2017


Judith Gottlieb | Sales PartnerLicensed since 1998


Reagan Barron | Sales PartnerLicensed since 2016


Mital Amin | Sales PartnerLicensed since 2006Broker Assoc. license in 2015


MEET OUR TEAM

Meet Reagan,

Reagan got her start in real estate as an investor 12 years ago when she purchased her first multi-family investment property. Since then she has been scouring the master plans and zoning requirements of local towns to find the information that will get the deal and get it done, fast. Thanks to years of wrangling contractors, town officials and neighbors, Reagan has become a tough and graceful negotiator. Her red tape-busting know-how of processes, and an overall cool and calm attitude, always prevail.

Specializing in sourcing and selling off-market properties, Reagan is a valuable asset for both sellers and buyers. She provides a unique skill of analyzing deals through multiple exit strategies, maximizing ROI for her clients in the fastest way possible. As the local, we lean on Reagan’s knowledge and strong relationships to dig up the deals and creative spaces. The daughter of a well-known interior designer, design is something Reagan has lived and she brings that creativity into each transaction. Filling gaps as project manager and designer for her clients on many occasions, she brings that entrepreneurial spirit to her client relations and loves a like-minded risk taker with big ideas.

Reagan loves to travel and languages, speaking Spanish. She is very active in her church community and her weekends are spent with her husband and two young children in Red Bank or most certainly somewhere along a shore-line.

HometownRed Bank, NJ

InterestsFamily, Beach/Boat Life, Gardening, Working Out, All forms of Art

The Oakie WayBeing the member of a really unique family. So much talent and creativity in this group of people that I can count on consistently. Blessed

Connect147 Broad StRed Bank, NJ [email protected]

PROPERTY PRESERVATION

Since maintaining and preserving property is a crucial part of the REO process that directly affects the property’s value, we offer a network of local contractors available to our listing clients. Our contractors can perform nearly any task — from a simple trash out to a full rehabilitation. We only work with bonded, licensed and insured contractors who are proven masters of their trade. Whether you utilize a national contractor or one in our network, we manage the entire process and ensure the work is completed to the client’s specifications.

MARKETING

Our REO Marketing Plan includes a combination of web, print and email marketing. Buyers tell us that one of their biggest frustrations with other REO brokers is that they could never reach anyone on the phone. We have an inside sales team to answer all inbound calls personally to ensure that every inquiry gets an instant response. We utilize high level CRM software to organize our leads and help us stay in front of potential buyers, alerting them to new listings and price adjustments. Our responsive, proactive approach promotes buyer loyalty and an above average lead conversion rate.

Current clients include: Specialized Asset ManagementNationstar/ XomeDakota Asset ManagementWells Fargo/ PASAMIP ManagementPhoenix Asset ManagementRMS

References: Available upon request

Over 10 years of REO experience250+ sales/year

Silver and Oak Realty has long-standing relationships with a number local, regional and national banks and financial institutions. These institutions rely on our REO services to manage their properties and execute profitable turnarounds throughout New York, New Jersey and Pennsylvania and its suburbs.

The REO Division of Silver & Oak Realty specializes in the analysis, management and marketing of bank, corporate and government owned real estate. Our positive and proactive culture combined with our use of technology has made us one of the Tri State elite REO Brokerages. Our team of office and field personnel, led by Broker/Owner Mital Amin, is well informed on the client requirements and the performance metrics that we are all measured by. We treat our relationship with our clients as a partnership and work hard to achieve our common goals. We are a high performance company. Accountability and good communication are at the top of our list of core values.

We have two location in New Jersey and a location in Pennsylvania and New York we service all zip codes in the following counties:

Mercer, Monmouth Ocean, Hunterdon,Bergen, Burlington, Cumberland,Union, Hudson, Essex, Queens, Bucks County,Montgomery, Philadelphia.

VALUATION

Valuation is one of — if not the most — important parts of the Foreclosure and REO process. That’s why we provide a written BPO Performance Process to ensure our BPOs are as detailed and informative as possible.

The REO Division

1+ ONLINE ADVERTISING, 2+ ASSET CREATION,3+ SOCIAL MEDIA, 4+ PRINT & PR, = OH MY!

Your properties presence is amplified online. Each week, our agents’ internal client base is notified of new listings and open houses via email marketing campaigns. Your home is published on all top tier ILS websites including Trulia, Zillow, Hotpads, Realtor.com, Streeteasy & more. Our ILS listings are curated to each unique property to ensure the best look, descriptions and mood.

The hallmark of S+O brand is asset creation. Without it we would not be able to paint the best possible picture for your buyer. Quality is KEY! S+O partners with renowned photographers/videographers. We create wngaging editorial style videos and Matterport tours that showcases homes in the most favorable light. There is no detail missed when it comes to the assets we create for you.

We employ aggressive direct mail campaign, raise interest in the neighborhood, and host weekend open houses to advertise your home. We custom tailor our property statements to meet the specific needs of your property. Our listing have an unparalleled online distribution network and our PR team will get you noticed.

With a strong local following we always reach the right target audience. Our Oakies understand the importance of all social platforms such as Facebook, Instagram, Pinterest, Youtube, Houzz & more. We regularly maintain and engage wit your buyers. We know they want to be the first to access new information, so we are the first to deliver.

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AREAS OF COVERAGE BY AGENT

Mital Amin Vanwah “Van” Maragh

Mary Jane “MJ” Codey Maria Druhora

Reagan Barron

Judith Gottlieb

BUCKS

MONMOUTH

MIDDLESEX

UNION

ESSEX

OCEAN

BURLINGTON

MERCER

CAMDEN

GLOUCESTER

PHILADELPHIA

MONTGOM

ERY

SUFFOLK

WESTCHESTER

NASSAU

ROCKLAND

BERGEN

HUDSON

MANHATTAN

BRONX

STATEN ISLAND

BROOKLYN

QUEENS

AREASOF COVERAGE

Silver + Oak offers our REO clients an elevated level of asset valuation, marketing, staging,

design and construction services typically reserved for luxury retail clients. Our proven

strategy of bridging this gap between luxury retail services for our bank assets has resulted

in shorter days on market, reduced expenses, more clarity and dramatically higher returns

for our REO clients. Unique added value services such as light project management and

occupant relocation are only a couple examples of the sellers unparalleled benefits our

clients have access to.

84 Cross St. Little Silver, NJExit Strategy: Fix and Flip10 DOM, 16% ROI S+O Services Provided For Client: Sourced Property/Deal Analysis, Design, Project Managed Renovation, Staged, Marketed, Sold

WATCH VIDEO

84 Cross St. Little Silver, NJ 3 bed 2 bath

Purchase Price $456,000.00Renovation Costs $60,000.00Lender Rate 0%Annual Property Tax $10,286.00Annual Property Insurance $1,200.00Utilities/Month $200.00Initial Closing Costs $9,600.00Resale Closing Costs $8,750.00RE Agent Commission 5%Resale Price $668,000.00

3 4 5 6 7 8 9 10 11 12Purchase Price $456,000 $456,000 $456,000 $456,000 $456,000 $456,000 $456,000 $456,000 $456,000 $456,000Initial Closing Costs $9,600 $9,600 $9,600 $9,600 $9,600 $9,600 $9,600 $9,600 $9,600 $9,600Renovation Costs $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000Additional Contingency (10%) $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000Property Insurance $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200Utilities $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 $2,200 $2,400Estimated Project Cost $532,500 $532,800 $533,100 $533,400 $533,700 $534,000 $534,300 $534,600 $534,900 $535,200

Resale Price $668,000 $668,000 $668,000 $668,000 $668,000 $668,000 $668,000 $668,000 $668,000 $668,000Estimated Project Cost $532,500 $532,800 $533,100 $533,400 $533,700 $534,000 $534,300 $534,600 $534,900 $535,200Property Taxes $2,572 $3,429 $4,286 $5,143 $6,000 $6,857 $7,715 $8,572 $9,429 $10,286RE Agent Commission $33,400 $33,400 $33,400 $33,400 $33,400 $33,400 $33,400 $33,400 $33,400 $33,400Resale Closing Costs $8,750 $8,750 $8,750 $8,750 $8,750 $8,750 $8,750 $8,750 $8,750 $8,750Estimated Profit $90,779 $89,621 $88,464 $87,307 $86,150 $84,993 $83,836 $82,678 $81,521 $80,364ROI Pre-Debt 17% 17% 17% 16% 16% 16% 16% 15% 15% 15%Lender Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Net Profit $90,778.5 $89,621.3 $88,464.2 $87,307.0 $86,149.8 $84,992.7 $83,835.5 $82,678.3 $81,521.2 $80,364.0ROI 17% 17% 17% 16% 16% 16% 16% 15% 15% 15%

Months

17 Skyline Dr Englewood NJExit Strategy: Whole-tail, flip with no renovationDays on Market: 15ROI %: 17%S+O Services Provided For Client: Sourced Property/Deal Analysis, Cash For Keys, Project Management, Marketed, Sold

TAKE 3DTOUR

CONNECT WITH US:@SilverandOakRE

/SilverandOakRE

[email protected]

www.SilverandOak.com

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