Judith L. Brown

Real Estate Professional

 

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IMPLIED AGENCY - An agency relationship created by the conduct of the parties rather than by an express agreement.

IMPOUND ACCOUNT - A fund collected and maintained by a lender to assure availability of funds for taxes and insurance when these bills on the secured property come due.

Impound Account: (escrow account): A reserve for taxes and insurance kept by the lender to which the borrower pays along with regular principal and interest payments.

IMPLIED CONTRACT - A contract created by conduct rather than by words or writing.

INCOME - The amount of money paid in dollars for use of property.

INCOME PROPERTY - Any real estate capable of generating rental income.

INCORPOREAL RIGHTS - Intangible rights or non-possessory claims to real estate.

INCURABLE DEPRECIATION - In appraisal, the concept that a deficiency of property either cannot be corrected or is not worth correcting.

INDEPENDENT CONTRACTOR - A person representing another, with more freedom and autonomy in performing the task than would be given to an employee.

INDEXED LEASE - A lease that calls for adjustments on the basis of price or inflation indexes.

INFORMAL REFERENCES - A description of property insufficient to constitute a legal description. Usually street address or assessor's parcel number.

Ingress: A means of entering.

INHERITANCE - Upon the death of an owner of property, the right to pass the ownership rights on to anyone of the decedent's choosing (or by state laws of intestacy in the absence of a will).

INSURED - A loan which has a federal government insurance program protecting the originating lender (and assignees) such as FHA, FmHA, RECD. Also in conventional loans wherein the lender is insured by a private mortgage insurance company.

INTEREST - A charge paid for borrowing  money. (See mortgage note)

Interest Rate: The percentage of the loan balance charged by the lender for use of the money.

 INTERVAL OWNERSHIP - A situation whereby a number of owners of a single unit of real estate are allocated their respective rights to possession based on periods of time. Also called timeshare ownership.

INTESTATE - Having died without a will.

INVOLUNTARY ALIENATION - To lose title to property against one's will.

IRV - Abbreviation for the graphical formula of Income, Rate and Value


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