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Brian and Dana hardy

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From Success in Marketing and Interior Design to Success in Real Estate As relatively new independent business owners with HomeVestors® of America, Inc., Brian and Dana Hardy have much to look forward to if their very first sales call is any indication of future success. The Hardy’s currently live in Fort Myers, Florida, but bought their HomeVestors franchise based on the recommendation of a friend in Oregon, while still living in Portland, Maine. The year was 2021. Soon thereafter, the Hardy’s made the decision to relocate to sunny Florida. Success Before HomeVestors A life-long entrepreneur, Brian, 40, started his first design and marketing company at the age of 18 in Fort Lauderdale, Florida. Among the businesses that he has successfully owned and operated are a trade show exhibit house, a full-service sign company and a fully-automated printing company. Brian then created FizzPop Media, a marketing agency and web development company that he still runs today, whose niches are the building and bio-tech industries. Dana, also 40, dabbled in interior design while working a normal 9-5 job, before getting involved in real estate. She studied interior design and photography at Drexel University and apprenticed under an accomplished interior designer. She later branched off into the graphics and design industry. “Those experiences combined, helped give me the confidence to venture out on my own to get clients and to also do the design work for our fix-and-flip real estate business,” explained Dana. Tiring of the nine-to-five routine, she gravitated toward real estate full-time, hoping to use her background to stand out from her peers. While in Maine, she was a Real Estate Broker. Off to a Good Start The Hardy’s bought their first franchise in Portland, Maine, before transferring the franchise to Florida. Their skill sets came in handy and proved to be very complementary to each other. Dana manages the real estate side of Tree City Properties LLC, including valuations, title, and design while Brian focuses on acquisitions and oversees the various contractors. However, when necessary, they still get their hands dirty and do some of the rehabs themselves. Already experienced as real estate investors doing fix-and-flips, they got off to a fast start, buying their very first house from their very first phone call. This first sale made the Hardy’s firm believers in the HomeVestors system. As Brian explained, “Do not prejudge any calls, go on every call, and get in as many living rooms as you can.” Sage advice for anyone new to real estate. His other advice, offered as a lifelong entrepreneur: “Don’t be afraid to take risks and don’t overthink everything.” Brian and Dana ended 2021 with five acquisitions. As Dana explained and Brian agreed, “From day one, we stuck to the HomeVestors formula. We followed the HVA systems, advertising, and marketing strategies… which was tough, considering we own a marketing agency. Their systems work.” Moving Forward The Hardy’s have their sights on two new goals: vacation rentals and spending more marketing and advertising dollars in Florida to acquire ten properties per year. And, doing all this while still running a successful media company. Homevestors What exactly does it mean to be a HomeVestors® business owner? Owning a real estate business is life changing and naturally comes with risks! When you become a HomeVestors business owner, you get immediate access to motivated seller leads, financing resources for qualifying purchases and repairs, one-on-one coaching with your local Development Agent, proprietary software for analyzing properties and deals, and access to a nationwide network of coaches and peers. Your house-buying business is yours and you run it as your own venture with a focus toward your individual business goals. If you are interested in a franchise, call 855-454-4518, email Sales@homevestorsfranchise.com or visit www.homevestorsfranchise.com. Each franchise office is independently owned and operated.

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Create a Marketing System for Any Budget

Make the Best Use of Your Marketing Dollars to Create a Major Impact By Kori Covrigaru As the end of the year is coming to a close, your budget may be running low, or the looming recession might have your CFO reducing budgets for 2023. Now, you must decide how to get the most from every marketing dollar. When working with a reduced budget, utilize this four-pronged approach to marketing: Analyze, Streamline, Automate, and Delegate. Analyze Your Current Marketing What brings returns on investment (ROI)? Once you understand which marketing activities bring in leads, conversions, and sales, you will know what to prioritize. To begin, set up goals in your analytics platform. Utilize tools such as Google Analytics or Hubspot to track which activities influence leads and conversions. The key to proper tracking is setting up a conversion page. In GA4, you can set up event conversions in the Configure tab. Toggle the event as a “conversion” to track those actions. Every marketing activity you test should be tracked for effectiveness. For example, PlanOmatic conducted a study in North Carolina to track the effectiveness of 3D tours for reducing days on market in SFRs. It found that adding a virtual tour to a listing decreased days on market in Charlotte by 8.1 days. Assuming it costs $100/day to hold a vacant SFR, adding a 3D virtual walkthrough saved $810/listing in this particular market. That is a substantial return on investment. What activities bring the most exposure? While ROI is important, exposure matters, as well. Which activities bring your business the most impressions and brand awareness? Analyze your listings. PlanOmatic found that listings with these features get more impressions and conversions:  •         Professional Photography  •         Virtual Tours  •         Floor Plans In short, review those listings! Which ones get the most exposure? What do they have in common? In that analysis, you will find the magic formula for reducing your days on the market and increasing your ROI. Streamline Your Marketing Processes After reviewing your marketing activities, you will understand which ones are worth keeping for 2023. Now it is time to streamline. First, test & choose a project management platform to organize all marketing activities. To be an asset, you will want the platform to:  •         Automate recurring processes  •         Assign tasks internally and externally  •         Share resources Second, review your marketing activities from a birds-eye view. How can you streamline them? Look at each task individually and study the SOP. For example, PlanOmatic uses one appointment to get assets for photography, virtual tours, and floor plans. So, in just one appointment, they can get three major components of your listings done at once. Automate Marketing Tasks Review this checklist to help identify where you could be automating your marketing tasks:  •         Are you automating email nurturing?  •         Are you manually adding social media posts to each platform?  •         Are there APIs that could automate marketing processes?  •         Are you manually assigning tasks to your team?  •         Are you using syndication services for listings?  •         Are there any manual steps in your lead-to-renter process? How many processes are you currently conducting with manual steps? If you have identified at least one process with manual steps, look closely. Can you automate them? Before working with PlanOmatic, many marketing departments manually downloaded photography assets, uploaded them to their listing syndication site, and published them. With PlanOmatic, a simple API integration automates most of this task, saving many hours each month. Delegate Through Outsourcing Finally, it is time to review what tasks can be outsourced. With lower spending, maybe you do not usually consider outsourcing, but it is the right direction if potential subcontractors:  •         Have tools you cannot access.  •         Have a skill that your team does not.  •         Can do the task faster than your team. If you are unsure what to outsource, try the Eisenhower Matrix. Look at the list of activities you created when analyzing your current marketing. Add the marketing activities that provide the biggest impact on the Eisenhower Matrix. Anything added to the Urgent/Not Important column should be delegated. This quadrant is a great place to start when deciding what to outsource. Many marketers will face tight budgets for 2023, but that does not make it impossible to run successful marketing campaigns! Utilizing this four-pronged approach, you can determine the best use for your marketing dollars and create a major impact.

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Preparing for Rain While the Skies are Blue

Now is the Time to Take Control By Rebecca Smith After a long run upwards, the real estate market seems to have reached an inflection point. Interest rate increases have certainly had a dampening effect, but it remains to be seen whether the inexorable rise in asset values is temporarily paused or if we are now on a downward trajectory just as steep as the way up. The market may be a roller coaster ride for the next year, so should we be preparing for another buying frenzy or bracing for a stream of defaults and foreclosures? The real estate owned (REO) market has been relatively dry over the last two years, but changing conditions could leave lenders, servicers and agents unprepared for a flash flood. Let’s explore the forecast for the REO market and how to prepare for what may be coming. Clouds on the Horizon Today, there are indications that the real estate market which has enjoyed an enormous run-up in the COVID era is now headed toward a correction, the severity of which is unknown. Recent data shows that the record rates of appreciation during the pandemic appear to be waning quickly. August price appreciation slowed to 12%, compared to 15.4% in July according to the homegenius Home Price Index from homegenius Real Estate. The slowing market is a natural result of the Federal Reserve’s aggressive action to combat inflation. Over the course of 2022, the Fed raised interest rates 3.25%. As a result, mortgage interest rates have skyrocketed to their highest in 15 years. In response, the sentiment of homebuilders and homebuyers has turned sharply pessimistic. The Wells Fargo Housing Market Index which measures the outlook of homebuilders has plummeted in recent months from 76% positive in April of this year to just 43% in October. The Chief Economist at the National Association of Homebuilders (NAHB) is sounding the alarm declaring that the nation has fallen into a “housing recession.” This is confirmed by the value of the nation’s largest home building companies. According to the S&P Homebuilders Select Industry Index, which includes home-manufacturing giants such as Masco and Owens Corning, shares have fallen more than 30% this year while the broader S&P 500 has fallen 24%. But No Downpour. . . Yet In the midst of all this gloom, homeowner defaults are ticking up slightly. However, most are pre-COVID or COVID-related defaults, which were paused during the pandemic, finally coming through the pipeline. As of yet there has been no indication of a major storm on the horizon. In fact, the Mortgage Bankers Association reported mortgage delinquencies dropped to the lowest rate ever recorded in the second quarter 2022. Unlike the fallout of the Great Financial Crisis of 2008, most homeowners are not under water on their mortgages. According to ATTOM data from the second quarter 2022, because of the appreciation in home values, 91% of homeowners facing foreclosure now have positive equity in their homes. If they get into trouble, they could still sell and avoid foreclosure. Dark clouds but no storm means we are in a “wait and see” phase. Servicers, banks, owner/operators, vendors, and agents are trying to determine how best to prepare for what is to come. Analysts do not believe we’ll see pre-pandemic REO volumes until possibly the latter part of 2023 with defaults trickling in from now until then at a steady pace. But it’s important to remember that borrowers who find themselves in trouble, perhaps because of a job loss or other life changing event, usually take about 12-18 months before they exhaust all other options (savings, friends and family assistance, etc.) and face a foreclosure sale. Prepare Now and Take Control The last time the real estate market was hit with a wave of defaults and foreclosures was during the Great Financial Crisis of 2008. Back then, few servicers were ready to handle the enormous volume, leading to the emergence of a small industry of outsourcers to take up the slack. As the market gradually stabilized and REO properties were disposed of over time, most of those outsourcers moved on, consolidated or exited the business. Normalized volumes allowed servicers to handle the flow of REOs on their own and many took this function back in-house. So far so good. But if the volume increases again, will they still be able to process REOs with the current staffing, or will they find themselves overwhelmed? This is a good time to ask the question. Servicers are already seeing an influx of homeowners requiring loss mitigation assistance and, as a result, have their hands full carefully navigating legal and regulatory requirements as set forth by regulatory agencies. In such an uncertain time for the market, it would be prudent to make a plan now to handle higher volumes of REOs. That could mean reviewing and streamlining your current in-house capabilities or talking now with an experienced outsourcer. Only a few nationwide outsourcers remain in the market, and they’ve demonstrated enough strength and knowledge to survive when the market was lean and can be expected to have the resources to quickly ramp up capacity. For example, the homegenius family of companies, including its affiliate Radian Real Estate Management LLC, maintains a nationwide network of over 40,000 vendors including contractors, property managers, and real estate agents that can help investors acquire, rehabilitate, and market investment properties. In addition, RREM provides full-service asset management capabilities that can help servicers get the best execution on their properties and potentially mitigate losses after a foreclosure sale. Many things could change in the coming months and beyond. As persistent inflation continues to resist the Fed’s containment efforts, we will likely see interest rates increase further. This will directly impact mortgage rates and contribute to the reality among homebuyers and sellers that we are nearing a peak in house prices. In such a market, residential real estate will continue to offer challenges for investors and servicers who can deploy professional asset management capabilities and skilled experience

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The State of Real Estate Insurance

Investors Need to be Pro-Active Entering 2023 By Shawn Woedl If I could sum up the property insurance market in one word, it would be chaos. If you have been an investor for the last couple of years, you have undoubtedly had a challenging property renewal for your portfolio. You may have dealt with required increases to insurance value or experiencedpremium increases (or both) regardless of your loss history or account profitability. The last couple of years have been challenging, and it does not look like the next 12 to 24 months will be any better. Before Hurricane Ian hit, Florida homeowners were already paying the highest premiums in the country — nearly three times the national average. The state is increasingly difficult and expensive to insure and claims from the recent hurricane will only continue this trend. The aftermath of COVID is still being felt in the United States: rising interest rates, rising inflation, rising material costs, and almost every industry is experiencing labor shortages. These higher material costs and labor shortages are affecting claims payouts for carriers. This may lead to rate increases and even canceled policies or carrier insolvency. Additionally, longer repair periods leave investors missing out on potential rental income. Climate Catastrophes Hurricanes Contrary to popular belief, hurricanes and tornadoes are not occurring more frequently. They are, however, more severe. NASA reports that global warming has caused seas to rise, leading to a higher storm surge and resulting in more intense rainfall and an increase in coastal floods. Tornadoes Even though the total number of tornadoes per year has remained relatively stable, recent years have shown changes in their patterns. Tornado events are becoming more clustered, and evidence suggests that tornado patterns have shifted geographically. The number of tornadoes in the states that make up Tornado Alley continue to fall, although tornado events are on the rise in Mississippi, Alabama, Arkansas, Missouri, Illinois, Indiana, Tennessee and Kentucky. Wildfires Wildfires have been occurring in new territories as well. These fire events are largely taking place in areas of the country that, historically, have been lower for insurers, and therefore were afforded lower insurance costs. Property rates in western states are a fraction of what they are in the Midwest or Southeast. Unfortunately, just one extreme event can drastically affect a carrier or program’s profitability, causing them to halt business in these areas. Catastrophes Drive Up Property Rates According to National Centers for Environmental Information, there were 20 individual billion-dollar weather and climate disasters. What stands out is the diversity of disasters: a winter storm across the deep South and Texas, a wildfire event impacting seven states, flood events in California and Louisiana, tornado outbreaks, etc. And let’s not forget Hurricane Ida, the most expensive hurricane to make landfall in Louisiana since Katrina in 2005. 2022 did not provide any relief for these property markets. The same triggers were seen across the globe again this year. And just when we thought we would make it through the hurricane season without significant landfall in the United States, Hurricane Ian hit Florida. Damage estimations range from $42 to $258 billion. The insurance trend we have seen in Florida over the last few years will continue as claims arise from the hurricane. Climate catastrophes have driven up property rates for everyone, regardless of geographic location or individual loss history. Why are we seeing this trend? Reinsurance carriers are increasing their reinsurance rates for primary insurers. Unfortunately, primary insurers (yourcarriers) then pass that cost on to the end buyer, which is all of us. Looking Forward  The aforementioned factors all contribute to what is shaping up to be a chaotic 2023 property market. Although situations will differ, initial numbers for 2023 renewals show a 30-35% increase in property insurance costs on clean risks. “Clean” means your portfolio has had no property losses and is not located in a region prone to catastrophes such as wildfire, hurricane, or convective storm areas.  If you have had losses and/or your property is in a catastrophe-prone area, you could potentially see a 60-70% increase on your property this upcoming term. We are experiencing a hard property market, and in times like these, you should always shop annually for your insurance. You will get much more out of shopping for benefits, policy structure, and included coverages than you will for price. There is not that much fluctuation between property carriers. The most you can save is pennies on the dollar. Insurance agents that are selling on cost alone are struggling right now. Those that can find benefits and comprehensive coverage for the same cost are of more value to you. A good insurance agent will work with you to find ways to keep your costs stable. If you are comfortable taking on a little bit of additional risk, you and your agent can look at increasing your property deductible, changing your policy form from Special to Basic, and switching to actual cash value coverage instead of replacement cost coverage. Remember, if any of your properties have a lender, you will be required to stay within their insurance lending guidelines. You must check with your lender and insurance agent before you make or request these changes and understand any added risk. Your insurance agent should be an expert and be able to guide you in the right direction while providing you with the positive and negative implications of any changes to your property policy. I also stress the importance of being as proactive as possible with your renewal. Do not wait until the last minute to aggressively shop your coverages and costs, as markets will be limited. Your agent should certainly be ahead of this, but if not, you need to make sure they start shopping your renewal 60 days out. Lenders start requesting renewal proof of coverage from your agent around this time as well.  As an investor, you want the best terms, applicable benefits, and the broadest coverage form. In a hard market, this will be to

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Ogden, Utah

The “Junction City” Market Leads the Way as the Market Shifts By Carole VanSickle Ellis Ogden, Utah, boasts a “wild” city motto: Still Untamed. That motto, adopted in 2016, refers to the area’s unconventional roots. As Roger Brooks, whose company rebranded Ogden six years ago, explained to a bemused audience at the time, “While we replaced bootlegging, prostitution, and gambling with skiing, kayaking, and mountain biking, Ogden’s soul will always remain untamed.” Since that time, the Ogden real estate market adopted the motto as well. Average home prices in June 2016 hovered just over $250,000; in June 2022, that number was just shy of $450,000. Then, things began to change, and Ogden’s untamed market geared up for another round of wild, post-pandemic swings. By September 2022, Ogden home prices were falling as the national housing market began to soften in response to the Federal Reserve’s rate-hiking policies. Median list prices hovered just over $370,000, a 17% decline in home values that stands out compared to the reaction of other markets around the country where demand has softened but prices have yet to decline. In Ogden, the city’s massive, pandemic-fueled boom is starting to wind down, with Realtor.com reporting more than a quarter of all listings posted at least one price reduction during Q2 2022 and ranking Ogden sixth on its “10 Cities Where Sellers are Slashing Home Prices the Most.” “With buyers pulling back, homes linger for a longer time on the market and more homeowners have to slice prices to get a deal done,” said George Ratiu, senior economist for Realtor.com. He added, “Price cuts are hitting hardest in markets which have been on a hot streak during the pandemic – cities which saw an influx of buyers looking for quality of life, more space, and affordability.” Ratiu also cited Ogden’s “fast ramp-up in prices due to the inadequate supply of housing” as a source of the price-slashing now and noted that the city experienced higher appreciation during the COVID-19pandemic through June 2022 than the national 26.6% increase over the same period. In September, Moody’s Analytics appeared to concur; it ranked the Ogden-Clearfield metro area as the “most overvalued market in the state” with overvaluations in excess of 50%. “Soaring prices were largely due to out-of-town homebuyers moving in during the pandemic, competing with locals for a limited supply of homes,” observed Redfin analysts in a report published in July of this year. At peak, prices in Ogden reached $500,000, 57.2% higher than they were in May 2020. Now, the trend is starting to reverse. In response to that reversal, savvy sellers are suddenly willing to be flexible on their pricing, said Redfin chief economist Daryl Fairweather. He observed, “There are two kinds of sellers in today’s market: Those who already know the market has cooled, and those learning about the cooling market as they go through the selling process.” For real estate investors in Ogden, both types of sellers may be more willing to make a deal in order to sell quickly if they are beginning to be concerned about the market shifting downward. Not Just a “Zoomtown” Although the Ogden market certainly benefited from pandemic-induced buying over the past two years, the area itself appears poised to weather the post-pandemic softening with a fair amount of resilience. Prior to 2020, Ogden had already been experiencing migration into the city from nearby Salt Lake City and Provo, with more than 8,600 people moving to Ogden from SLC between 2014 and 2018. Because Ogden, SLC, and Provo are all connected by commuter trains, light rail lines, and interstates, movement between the cities is relatively smooth and painless, making it less likely that calls for employees to return to local offices will result in high-volume departures. The city has also dedicated resources to developing its own “Silicon Slopes,” bringing in tech growth during the pandemic as tech startups looking for access to the outdoors and relatively affordable (compared to Silicon Valley) space in which to grow began considering Ogden when putting down roots. Although the nomenclature “Silicon Slopes” typically refers to the Provo/Salt Lake City/Park City area, Silicon Slopes Ogden is the city’s deliberate effort to expand the area and be included in the region. In 2020, The Brookings Institution named Ogden one of its “lifestyle cities [likely] to see accelerated tech growth in 2020,” and this prediction was borne out over the following two years. Sara Mees, one of the city’s business development managers, said at the time in response to the Brookings research, “We have seen two trends. One of them is from smaller software companies that have been founded and grown here in Ogden…. A number of them have been pretty successful at scaling growth here, [and] the other is related to shifts at Hill Air Force Base.” She continued, “A lot of new programs [at the base] have a significant software development component.” The result was that many software companies and aerospace defense contractors began seriously considering expanding to Utah, and Ogden experienced a 7% growth in tech-related jobs between 2019 and 2020. Between 2020 and 2022, that growth continued, with the city’s tech incubator, Catalyst Campus, facilitating connections between local startups and other tech businesses and the Air Force. Catalyst Campus is based in Colorado Springs, Colorado, and opened its Ogden branch in 2021. In 2022, it partnered with local Weber State University and the city to secure $20 million from the state of Utah to build a Sensitive Compartmented Information Facility (SCIF) to store sensitive work from external surveillance. An additional $65 million in private investments and $30 million in “local funding” will contribute to the effort as well. The facility will improve security for companies in the incubator hoping to work with the Air Force and makes them more attractive as contractors. “We wanted to remove the barrier of having to go on base, so all these small businesses who don’t have classified environments to work in now do,” explained Catalyst Campus

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Assistance Animals

Legal Obligations When Managing Rental Housing By Victoria Cowart In operations, we all feel pressured to have a certain depth of knowledge on critical topics. This pressure rises to another level when the subject touches the work of our on-site, centralized, supervisory, and corporate team members. That pressure increases to a whole new level when it touches the lives of our applicants, residents, and possibly even our guests with disabilities. And if that was not enough, this particular topic makes up approximately 60% of HUD complaints. With that, the pressure for operational knowledge and excellence rises fourfold. I am speaking of the rights of our disabled applicants and residents, and yes, those disabled guests “associated” with our residents, to request reasonable accommodations. These rights are afforded to the disabled by the Fair Housing Act (FHA) and the Fair Housing Amendments Act (FHAA). But let’s stop there for just a moment. What is a reasonable accommodation? An accommodation is defined as a change, exception, or adjustment to a rule, policy, or practice in your rental housing—but “reasonable.” That is a more subjective point of consideration. So, what is our obligation when managing rental housing while considering the FHA and the FHAA? Let’s start at the beginning. We are legally required to consider all requests for reasonable accommodation, and the requests do not have to come in a particular format or contain specific language. So far, this sounds straightforward. But how do we begin to understand what to do with these requests? In 2020, HUD released its first Notice regarding this topic in seven years. It is the HUD 2020–01 Assistance Animals Notice. It offers the industry excellent guidance, language, and opportunities to improve our work in this subject area. The new Notice did offer the industry clarity on the common language. The over-arching language to use in this topic is “assistance animals.” There are two types of assistance animals: service animals and support animals. Each of these two types of assistance animals requires a different approach when we process the requests. You can think of them as different paths we will travel based upon the type of assistance animal requested. Let’s travel along the first path, that of the service animal. The definition of a service animal is an animal trained to do work or perform tasks for the benefit of the disabled. Throughout the country, except in California, a service animal is simply three things: a dog, trained for a task, for the disabled. In California, other animals can be service animals. Support vs. Service Let’s dig further into the specifics of the processes. For a service animal, we are permitted to ask two questions. Those two questions are: is the animal necessary for a person with a disability, and what work or task has the animal been trained to perform? We can then evaluate those answers to see if they indicate an actual service animal. Occasionally, the answer will lead you to engage further in the interactive process. HUD defines an interactive process as a good-faith dialogue between you and the requester. This dialogue may reveal a possible support animal. This could be the case when a requester says yes to the disability question. Still, their answer to the task question makes it evident that the animal has not had any training to ameliorate one or more of the symptoms associated with the disability. Remember, though, it is impermissible to require any documentation supporting a service animal request. You are not to obtain, or to even ask for, training certificate(s) or documentation from healthcare providers. That said, if the first answer is “yes”; and the second answer is, “Yes my service animal has been trained to wake me during night terrors,” you have a service animal. Conversely, if the first answer is “yes”; and the second answer is, “Yes my service animal sits in my lap and comforts me during intermittent explosive outbursts,” you likely have a support animal. That leads us to our second type of assistance animal, the support animal. Support animals may be animals that perform a task. But because they are not a dog (in states other than California), by definition, they become a support animal. Support animals can also be animals who provide therapeutic emotional support, hence the ESA that we hear about most frequently. On this path, we are permitted to seek documentation from the requester — unlike in the service animal process. We are permitted to look for five things in that documentation. HUD says we have a right to reliable documentation, from a healthcare provider, with an indication of personal knowledge and *confirmation of disability and disability-related need for the requested support animal. Let’s stop for a moment and visit the confirmation of disability. You have a right to require this documentation to include confirmation of the disability only when the disability cannot be visually confirmed or when the individual is not on record or regarded as disabled. So, what does that mean in practice? It means your frontline team members should let you know if they were able to visually confirm that the requester is disabled. If that is the case, you are not looking to confirm the disability in the documentation. Likewise, if the individual is receiving disability benefits or income, as noted in their application, they are considered to be on record or regarded as disabled. Again, if that is the case, you are not looking to confirm the disability in the documentation. Responding to the Request So, with a request for a support animal, you can request documentation. You can look for the items noted above, including the specificity of whether or not to confirm the disability and the documentation in accordance with HUD’s Assistance Animals Notice. If you find the documentation is missing one or more of the items you are allowed to have, you should consider continuing the interactive process and requesting the information in accordance with HUD’s Notice. Please be prompt in your

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