Pinnacle Team Newsletter
Inside
this
issue:
Three’s Company
Nadine 1
Hello Friends,
April brings us great things
- baseball in Chicago,
warmer weather, new and
improved El stations, and a
Find Your 2
Place in recovering real estate
Chicago market.
We are feeling great about
the status of the market
and definitely seeing
Cashing in on 3
eBay
movement. The Pinnacle
Team is excited about this
growth and what the spring
and summer seasons will
bring.
Healthy 3-4 On that note, we’ve
Condo
Associations decided to grow our team
Tapas Las 4
Nadine Shehaiber
Ramblas
Nadine comes to
@properties after working
with Coldwell Banker
Residential Brokerage for
Pinnacle
five years in the southwest
5-6
Team Listings suburbs.
Nadine’s background in
technology, real estate,
sales and management
consulting, along with an
outgoing personality and
enthusiasm, has led to a
successful and award-
winning career.
Nadine makes a significant
investment in the
to prepare for the
upcoming market change.
Ryan and I brought on a
new team member, Nadine
Shehaiber, in March. We
feel that she’s going to be
a great addition to our
already thriving team. We’ll
introduce Nadine in more
detail below… Welcome
Nadine!
For this month’s
newsletter, we decided to
reach out to some of our
clients for tips and
information that would be
of value to you. We are
very grateful to Brad
Lazarus, Kathy Gillespie,
properties she sells. She
works with her sellers to
optimize the presentation
of their home, identify their
target market, develop a
strategic marketing plan,
analytically assess market
value, and prepare all
marketing materials
including brochures,
photography, and virtual
tour photography.
Nadine is originally from
Dubai, in the UAE and
came to the US twelve
years ago. She attended
Loyola University in
A p r i l 2 0 0 9
and Shirley Feldmann for
this month’s contributions.
If you have any friends or
family that would
appreciate the following
information, please forward
the newsletter or send us
their email and we will be
happy to send them a
copy.
Thank you so much for
your business and interest
in our newsletters.
Have a great April and be
well!
Ryan, Sarah & Nadine
Chicago. She has also
taken management level
courses in real estate,
international business and
finance at Northwestern
University. Nadine
currently lives in the west
loop. She is fluent in
Arabic, English, and
Spanish.
For more on Nadine,
please visit: http://
www.atproperties.com/
agent/nadineshehaiber
Find Your Place in Chicago Page 2

Building on existing public-
private partnerships, the City
of Chicago and its partners
have assembled a variety of
resources to maximize
benefits for homebuyers and
communities. The incentives
are available to homeowners
across a spectrum of
incomes to purchase a home
that is right for them. The
partnership between the City,
philanthropic partners such
as the Partnership for New
Communities, developers,
and lenders makes “Find
Your Place in Chicago” a
historic initiative that offers a
great opportunity for home
buyers. Below are details on
a few of these outstanding interest you pay on your
incentives. To learn more, mortgage each year.
visit TaxSmart is also available
www.findyourplaceinchicago. for home improvement loans.
com. TaxSmart can be used by
eligible homebuyers citywide
TaxSmart Mortgage Credit to purchase one to four unit
Certificate buildings – single family
If you’re buying a home in homes, condominiums,
Chicago, you can save townhomes or 2, 3, or 4 flats.
thousands of dollars in Applicants must meet income
federal income taxes with and purchase price
TaxSmart, a mortgage credit guidelines. Homebuyers in
certificate program offered by non-target areas must be first
the City of Chicago in -time homebuyers or have
partnership with local not owned a home in the last
lenders. TaxSmart turns your three years.
mortgage into one that gives
you a federal income tax
credit equal to 20% of the

Income Limits

Non-Target Area Target Area

Written by
1 Person Household $60,320 $72,384
Brad Lazarus

2 Person Household $75,400 $90,480 Omega Advisors, LLC

brad@omegafeeonly.com
3+ Person Household $86,710 $105,560

Lender Incentives • A 30-year fixed-rate areas. Depending on their

The City of Chicago is
working with partner lenders
to offer special mortgage
products to buyers of Find
Your Place in Chicago
homes. Most developments
are eligible for this incentive.
Harris Bank will offer the
following incentives to
buyers:
• For households purchasing
a home in a target area: a
grant of $1,500 to help cover
closing costs
• For households with an
annual income equal to or
less than $57,280*
purchasing outside of a
target area: a grant of $500
to help cover closing costs
mortgage with 3-5% down
depending on credit score.
NOTE: Buyers are not
required to purchase a
mortgage through a partner
lender. They may still receive
other incentives if they
purchase a mortgage
through another lender.
Employer-Assisted
Housing Grants
Through Employer-Assisted
Housing (EAH) programs,
various public and private
employers in Chicago and
the suburbs offer housing
assistance grants or
forgivable loans to
employees who buy homes
in certain geographical
employer’s EAH program a
buyer may benefit from
programs that:
• Provide down-payment and
closing-cost assistance in
amounts ranging from $2,500
to $10,000.
• Leverage additional
matching funds from the
State of for eligible
households, depending on
household income.
• Prepare them for
homeownership with a step-
by-step homeownership
education course.
• Help resolve poor credit
history.
 Page 3

Cashing in on eBay
Whether you are
organizing for a move or
just spring cleaning here
are some tips on
putting extra cash in
your pocket. eBay is a
great venue for turning
your cast offs into cash.
Here are some recently
completed listings:
Coach "Carly"
Handbag $350
7 For All Mankind "Edie"
Jeans $90
JCrew Argyle Cashmere
Sweater $152
If you don't already have
an Ebay account, the
process is fairly simple.
Log onto https://
scgi.ebay.com/ws/
eBayISAPI.dll?
RegisterEnterInfo and
get started!

As a long time eBay Power Seller ,I have some insider tips that may be helpful:
Written by
1. Name brand items are the most sought after and easiest to sell
Kathy Gillespie
2. Be honest with your descriptions, and make full disclosure of any flaws
Whimrose Projects eBay
store 3. Give all measurements of the item you wish to sell

gillespiek@yahoo.com 4. Start listings on Sundays at 5 p.m. PST

5. Start your listings at $9.99 to get the bidding started - early bidding is key

For crafty upscale fashion 6. Check your listings everyday, and answer questions ASAP
projects visit Kathy at:
www.froogal.blogspot.com 7. Ship as soon as possible after payment is made and be in contact with buyer

8. Don't forget to leave positive feedback to encourage customers to do the same

Healthy Associations
Written by
Shirley Feldmann
Association Advocates, Inc.
Shirley@associationadvocat
esinc.com
In today’s competitive
real estate market, a
smart buyer will be
assessing more than just
the size, amenities,
location and cost of their
new home. A well-run
association with stable
finances and efficient
management procedures
will quickly surface to the
top as a better
investment—for both
sellers and buyers alike.
Every association should
be run efficiently like the
multi-million dollar
corporation that it is. If
not, it could negatively
impact all owners by
decreasing the value of
what may be one of their
largest investments.
Take the approximate
value of each unit in the
association and add
them together to get an
idea of the value of the
property. For example, a
20-unit association at
$250,000/each would
have an approximate
value of $5 million, which
could be considered a
large business to
manage in any industry!
An association managed
like a well-run business
will provide a better
return on investment.
Improperly managed
associations run the risk
of budget shortfalls,
unanticipated special
assessments,
inconveniencing owners
and developing a poor
industry reputation.

Associations, cont.
Checklist for a Well-
Managed Association:
• Regular and organized
board meetings with agendas
• Typed, well written and
concise minutes
documenting board decisions
• Decisions are made by the
Board and not by a
consensus of all owners
• Budget is not unrealistically
low and includes a monthly
transfer to Reserves
Tapas Las Ramblas
Sarah Lawrence
This wonderful tapas
restaurant is brought to you
by a former partner of Twist.
After studying in Spain for a
summer in college, I became
intimately familiar with good
tapas-style eating. While
there are many tapas options
in the city, I found Twist (in
Lakeview/Wrigleyville) to be
my all time favorite for its
quality, price, and ambience.
A friend who lives in
Andersonville turned me onto
Tapas Las Ramblas, and
now it’s right there up there
on my list of favorite tapas
spots.
Tapas Las Ramblas has a
menu with wide variety.
Some favorites among my
group of 4 included: baked
goat cheese, grilled
• Healthy Reserves held in a
separate interest-bearing
account
(Note: If low Reserves, it is
possible that a large repair
project was recently
completed.)
• Maintenance Plan is in
place for annual and long-
term needs
• Well-maintained common
areas
• Rules & Regulations are in
place and enforced
consistently
• Low delinquencies and
strict enforcement of
Collections Policy
vegetables, bacon wrapped
dates, and grilled lamb
chops. We finished the meal
with the carmelized banana
and ice cream, which was
heavenly.
This restaurant has it all – it
sits amid the hot
Andersonville strip, has a fun
and inviting atmosphere, is a
great value, has great
service, and serves
consistently delicious fare.
You can expect to pay about
$25 - $30 a person with
alcohol.
The neighborhood:
Andersonville, an old
Scandinavian neighborhood,
lies just north of Uptown.
Its borders are loosely
defined by Lawrence Avenue
Page 4
• High owner-occupancy
• Responsive,
communicative and
knowledgeable Board &
Property Manager (if
applicable)
Association Advocates Inc.
helps homeowners protect
their investment and
specializes in Board & Self-
Management Training,
Developer Turnovers,
Management Searches &
Transitions, and Project &
Loan Management. To learn
more about how Association
Advocates can help your
association or for many free
resources available, visit:
www.AssociationAdvocatesIn
c.com
on the south, Peterson on
the north, Broadway on the
east, and Damen on the
west.
Andersonville is comprised of
restaurants, boutiques, bars
and both walk-up condos and
single family homes.
There are currently 65 2
bedroom/2 bath units on the
market that range from
$229k to $479k, with the
average being $350k.
There are currently 47 single
family homes on the market
that range from $449k to
$2M, with the average being
$700k.
5101 N. Clark
773.769.9700
www.tapaslasramblas.com
Page 5
Pinnacle Team Listings
NEW! 4022 N. Monticello, Unit G - $174,900
Beautiful 2 bedroom garden unit on a tree
lined street in popular Old Irving! This
fabulous split floor plan condo gets great light
and features hardwoods throughout, w/d in
unit, Jacuzzi tub w/ glass door, and plenty of
closets w/ additional storage in building. Street
parking is a breeze, the trains are a short
walk, and the expressway is just minutes
away. Great outdoor space out back door.
Well managed bldg. http://
www.atproperties.com/listing/7171825
NEW! 720 Fairmont, Westmont - $449,900
Like new construction, 4 bed/2.5 bath
townhome. Located on a quiet cul-de-sac, it
boasts gorgeous high end finishes throughout.
Huge, open, fully finished basement with rec
room and bedroom. Main level master suite
with walk in closet. Family room with fireplace,
eat-in kitchen w/ stainless steel appliances,
separate dining room. Second floor has 2
bedrooms with a full bath and office area. A
must see! http://www.atproperties.com/
listing/7182513
th
NEW! 10832 S. 76 , #2J - $169,900
Gorgeous, bright and exceptionally
maintained 8 yr young condo has it all! 2 bed,
2 bath, huge family room with fireplace,
spacious in-unit laundry room, large closets, 1
car att. Garage with storage space, and
additional parking in back. All oak kitchen with
island. Open, airy floor plan w/ beautiful view
of trees. Enjoy the outdoors on extra large
balcony! Quiet area, newer building. http://
www.atproperties.com/listing/7179806
2629 N. Dayton, #1N - $599,900 - Open
House 4/19 11:00 - 1:00
2100 square foot 3 bedroom/3 bath duplex
down in a fantastic location. Living room with
fireplace opens to kitchen. Kitchen with
granite and stainless with eat-in area and
breakfast bar. Oak floors throughout main
level. Master with walk-in closet. Lower level
with huge family room with fireplace, 3rd
bedroom, bath, laundry room with side-by-side
W/D and tons of storage. Includes a private
deck and garage. Convenient walk to
everything! Freshly painted and carpeted.
http://www.atproperties.com/listing/7154914
PRICE REDUCTION! 3443 N. Lincoln, #4B -
$419,900
This is a 4-year-old condo that looks brand
new! With 2 bedrooms and 2 bathrooms, this
stunning condo has it all – open floorplan with
a huge kitchen that boasts granite and
stainless steel. Other amenities include a
wood-burning fireplace, balcony, side-by-side
washer dryer, rooftop deck, and heated
garage parking. This particular niche of
Lakeview has exploded in the last couple of
years and is now surrounded by great
restaurants, new condo buildings and a brand
new Paulina El stop just a block away.
http://www.atproperties.com/listing/7132766
SOLD in 13 DAYS! 1148 W. Roscoe, #3W
This extra wide, sunny 2 bedroom/2 bath unit
is in an unbeatable location and only steps to
the Southport corridor, Wrigley, and public
transportation. Built in 2005, this unit has it all
- a kitchen that boasts stainless steel, granite
and a large island, open living/kitchen combo,
large bedrooms, in-unit W/D, balcony, great
storage, and garage parking. http://
www.atproperties.com/listing/7154898
Page 6
Pinnacle Team Listings
PRICE REDUCTION! 5140 N. Albany, #2 -
$280,000
Welcome home! This 1400+ sq ft 2 bed/2 bath
condo offers everything, including hardwood
floors throughout, washer/dryer, garage
parking, etc. The separate dining rooms is
perfect for entertaining and the living room is
expansive with loads of windows and natural
light. Deck access through kitchen. Located in
a cul-de-sac, this location is close to Lincoln
Square and steps from a great park. The large
gated lot is a dog owner’s dream. Check out
the room sizes! http://www.atproperties.com/
listing/7145078
4434 N Racine, #1N $384,900 - Open House
4/19 1:00 - 3:00 pm
This exquisite, 1700 sq. Ft. 2 bedroom, 2.1
bath condo features a spacious layout,
contemporary finishes & classic vintage charm
thru-out. New gourmet kitchen opens to formal
dining room w/ original built-in hutch & walk-in
pantry. Back deck extends off kitchen/dining,
great for entertaining. Bright sunroom leads to
huge living room w/ fireplace & attached
bookcases. Both bedrooms feature private
baths. washer/dryer in unit, garage parking &
private storage are included! FHA Financing
Available! http://www.atproperties.com/
listing/7118582
PRICE REDUCTION! 6400 N Sacramento 5
Units $139,400 - $199,400
These wonderfully finished 1 & 2 bedroom, 1
& 2 bath condos offer luxury and affordability.
The intimate 16 unit building offers parking
included in the price, storage, and an elevator.
Each condo is finished standard with double
ovens, marble baths, Kohler fixtures, granite
counters, central heat & air, oak floors, 42”
cabinets, and Jacuzzi tub. Exceptional value!
FHA Approved!
http://www.atproperties.com/listing/7118931
http://www.atproperties.com/listing/7118958
http://www.atproperties.com/listing/7118942
For our commercial investors, we also have a
storefront for sale:
http://www.atproperties.com/listing/7118973
PRICE REDUCTION! 1528 W Jonquil, D3
$289,000
This amazing 2 bed/2 bath condo is just under
1500 square feet. Built in 2005, this 6 unit
building is on a beautiful tree-lined street on
Chicago's northern edge. Just steps from the
beach, the red/purple line, Evanston, and
Jarvis Square, this Rogers Park find is one of
the best deals in Chicago! Featuring
hardwood floors throughout, cherry cabinets,
and garage parking - this condo is ready for its
new owner! FHA Financing available! http://
www.atproperties.com/listing/7098410
PRICE REDUCTION! 1060 W. North Shore,
#1 - $224,900
Rare opportunity to live lakeside! Vintage
charm with modern updates and only 60 steps
to the beach. Large 1 bedroom with sunroom
that could double as an office/guest room.
Separate dining room and large living room
that is wired for surround sound. Hardwood
floors throughout, updated kitchen with newer
cabinets, and stainless steel appliances. Tons
of build-ins throughout. Two custom closets in
master. Parking included. FHA Financing
Available! http://www.atproperties.com/
listing/7096852