Since 1994 Elías Perchik and his team of professionals develop and commercialize properties in Argentina, Uruguay and the United States.
The manager Elías Perchik with a wide experience and capability knew how to read and foresee the Argentine Market necessities, and was successful in the demand of new dwellings in the North Zone of Buenos Aires surroundings. He placed "The Floridian Development Group" as the leader enterprise in Housing sale in private quarters in Argentina.
He has constructed more than 400 residential houses, and furthermore he designed, projected and constructed 4 private quarters.
His experience concluded with 10 years as developer in Miami and its surroundings with more than 8 finished and sold projects not to mention 14 new current undertakings.

In 2007, Elías Z. Perchik, Ana Steinman, joined their experiences to create RematesMiami.com, an organization for the development and commercialization of real estate undertakings. The enterprise has a solid reputation by offering unique business opportunities for potential investors and buyers.

George Fraguio was formerly Vice President / Branch Manager for Indymac Bank and has held management positions at Countrywide Home Loans and JP Morgan Chase. His experience with developer business and his most current navigation of deteriorating markets with Indymac give him a unique perspective on the market. We are leveraging his skills and contacts to establish new lender contacts and to drive our new end loan strategy. Mr. Fraguio has experience in real estate development, having held the position of Director of Marketing for Miami´s Urban Development Group, a workforce market developer. Mr. Fraguio adds value by demonstrating a proactive approach in dealing with ongoing lending adversity that challenges developers and real estate professionals at large. Mr. Fraguio is currently End Loan Specialist at Fortune International Equity. Remates Miami has engaged Mr. Fraguio as an added value to assist its clients in the mortgage process. For more information contact George at 305-742-4937 or at gfraguio@fortune-network.com

Jacqueline F. Rodriguez with offices in Miami and Weston, South Florida, is an specialist in assisting private companies of different industries, bringing services of fiscal managements, tax consultant, financial management, analysis of system rendering and put it into practice, internal controls, strategic planning of business, besides traditional accounting, payrolls and tax services.
To satisfy the demand imposed on by companies of quick growth in an environment expressly inconstant, a professional has to be more than an accountant and also be an adviser, situations resolver and strategist.

In the corporate world, quality and integrity are important factors to construct self-confidence and to assure client´s success in a favorable and effective manner.

Jacqueline F. Rodriguez has five years experience in private sector and ten years in public sector as public accountant and tax adviser.

She has a master in tax matters, university career in accounting and system information and certificate of honors program of the Florida International University. She also sustains a license of Florida State and is affiliated to different institutions such as: Florida Institute of Certified Public Accountants, Golden Key National Honors Society, Rotary Club of Weston, American Woman´s Society of Certified Public Accountants and the Association of Certified Fraud Examiners.
Among the main services that accountant Jacqueline Rodriguez offers, we call attention to the following:

• Tax services
• General account services
• Consulting services
• Litigation support
• Auditory compilation, revision and service.

Bars Insurance, LLC, operates as an independent broker of private and commercial insurances, established for the necessity of clients´ services of the Latin America community.
The main purpose of Bars Insurance is to improve clients´ concept of aggregate value, creating long term commercial relations, based on each individual necessities.

The knowledge and wide experience offered by Bar Insurance allows the company to implement specific results, discovering new opportunities to expand customers business.

Sandra Berstein: sales executive with five years experience in local market fulfilling the necessities of real estate searching in South Florida.

Ana D. Steinman: Licensee as real estate agent and also receiving the certificate of Notary Public in Florida.
Ana is living in USA since 1988 and she has a wide experience in real estate transactions.
She obtained two licenses in the State of Florida: the corporative, (CQ1029382) and the broker (BK3199149) ones.

Marina is the sales representative for Remates Miami in Argentina and Chile.

Marina has a wide experience on investments for the Real Estate Market in Florida. Marina has been working as a consultant for several companies and also advising individuals.

Marina earns a degree from the University of Buenos Aires, School of Architecture and she specialized in marketing and design for Real Estate projects.

The key to a successful investment is based on choosing the right moment to invest. Said choice is more an art than a science but there are fundamental principles which have consistently produced favorable results. Usually, the existence of a "fund" in the Real Estate Market is relatively imperceptible until months later, as well as the retraction phase takes months to consolidate in the investor´s mind. To wait too much to invest may mean that the prices of the real estate properties again rush ahead and the opportunity to enter the Market with a relatively low "floor" with regards to prices may be lost. On the other hand, to enter too early in the cycle may mean to wait until the next expansion period.
Between this two options, however, the option to enter with a low prices "floor" and wait is usually more desirable since a real estate property thus acquired allows more easily to generate a cash flow that may amortized the maintenance costs and the debt service relating the property , for instante, through rent.
On the other hand, if the property will not be destined to commercial use but to personal use, the investor may more comfortably evaluate his capital investment at medium or long term with favorable return indexes during the expansion phase.

Some differences between U.S.A. real estate market and similar markets in other countries of South and Central America are:

• Most of the real estate operations are carried out by means of credits arranged through the banks. This allows to carry out statistics and true estimates in order to make comparisons.

Tax on properties in some municipalities reaches percentages up to 2% of the total evaluated by the county. To this, the cost of the insurances required by the bank that is going to grant the loan must be added. And, in case of apartments, the cost of expenses or maintenance cost produced in the building must be added.

There are two financial possibilities to acquire the real estate property.
Of course, the first and easiest is to do it in cash.
The second is to apply for a credit from a bank or financial entity
The steps are the following:

• If you have the cash, the most convenient would be to transfer the money from your account in U.S.A. to the company involved. If you still do not have any bank account here, the way would be to send the money to the company involved that would be in charge of proceeding with the deed (closing), this is a sort of escrow with the only aim of executing said deed. The company involved will take care that all the documents be in order and that there be no pending debt from the past. This operation will take no more than 7 days once the corresponding contracts are signed (preliminary sales contracts). In said contract the offer and conditions of purchase are specified.
• The second case, purchase of the real estate property by way of a bank credit.

It is not necessary to be a resident to be granted a credit in the United States.

Most of the banks that grant credits to foreigners finance 70% of the value of the property
Usually, bank credits periods may be up to 30 years.
Nowadays, interest rates oscillate from 6,50 to 7,75 of annual interest, depending on the bank.
The requirements of such banks are the following:

• Passport in force, which includes visa to enter into the United States, may be a tourist visa here called B1 or B2.
• Reference letter from an accountant of your home country, issued on original heading paper.
• If you have a bank account in U.S.A. with enough money to afford 30% of advance payment plus expenses that would be the best, that money must be proved at least with a minimum stay of 2 months prior to the deed.
• In case you do not have a bank account here, you should send the money to the company through transference.
• Photocopy of other documents from your home country or tax payed on your residence place.

• Invest ment funds (for real estate properties in La Florida)
• Share participation in real estate projects
• Fix return on investments in already rented real estate properties.