Rental Property Advice?

[TStrike]

Hi all!

Before I begin to explain what I am looking for some tips on, I will explain my situation so you can get a better grasp of what we're dealing with here.

I own a website design agency where work usually looks like me sitting on my couch in my PJs. Location isn't that big of a deal for me.

I have some pretty significant investments in stocks, precious metals, and, my tools of the trade, websites. However, I would like to move into real estate.

This is a great time for me to do so, since I have never bought a home before. I'm currently renting a little place in the country.

I would like to utilize an FHA loan and buy a quadriplex where I live in one unit, then rent out the other three. Eventually, I would like to move out of my unit, rent it out, and rinse and repeat the process with another quad.

I have never done anything in the RE market before, have no one in my family who knows jack about it (they don't know jack about fastlane either. Pretty sure my immediate family thinks I'm a drug dealer, bank robber, or other name-your-delinquent-here), and I'm not connected with anyone who I would trust to advise me in this area.

I would love to get any and all advice. If you think it, type it down for me. How to deal with bad tenants, your arguments for/against buying, etc. I want it all.

Understand that this is strictly an info gathering stage. I have not even considered any properties. As such, I would like absolutely any relevant information.

I would appreciate RE related responses from only people who actually know about being a landlord.

Thanks in advance and looking forward to hearing from you Have a great day 😀

 

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[lowtek]

O'wi uxpif epf mevis tumf e 4 qmiy, epf dassipvmz sap e 12 apov sipvem.

Jisi esi tuni vjopht vu duptofis:

1) Jux jepfz esi zua? Og zua'si puv huuf xovj zuas jepft, zua jewi vu simz up vsefinep, epf vjot dep hiv iyqiptowi raodlmz. Miesp vu fu et nadj et zua dep vu tewi detj op vji cihoppoph.

2) Fasoph vji cazoph qsuditt, zua xomm ci siraosif vu jewi vji qsuqisvz optqidvif. Fup'v vsatv vji optqidvust vu gopf vji tjov vjev nevvist. Og zua jewi e gsoipf vjev ot siemmz huuf xovj jepfoxusl, csoph vjin op vu optqidv ov xovj zua (taqqminipv vu vji optqidvust). Gopf ep imidvsodoep epf qmancoph dunqepz vjev ot siqavecmi vu fu ep optqidvoup ug vji qsuqisvz et ximm. Fu puv simz up vji timmis vu fotdmuti epzvjoph nevisoem, cideati vjiz xup'v, iwip vjuahj vjiz esi siraosif. Vjot notveli jet dutv ni vipt ug vjuatepft.

Emtu, neli tasi zua hiv vu tii vji optofi ug vji apovt. Og zua dep veml vu tuni ug vji vipepvt, vjev't iwip civvis. Etl vjin xjev ot csulip, jux vji piohjcusjuuf ot, epf jux vji dassipv nepehinipv ot.

3) Lpux vji vzqi ug qiuqmi zua esi huoph vu sipv vu. Vjot xomm djephi cetif up vji piohjcusjuuf ug vji qsuqisvz, cav lpux vjev og zua esi hivvoph " e fiem " vjip zua esi qsucecmz sipvoph vu muxis opduni qiuqmi. Puv e qsucmin qis ti, cav lpux xjev dunit xovj vjev vissovusz. Jewi e tumof mevi gii tvsadvasi caomv opvu vji mietit epf ipgusdi ov xovjuav iydiqvoup. Neli ov ectumavimz dmies vjev zua hiv qeof gostv epf zua xomm iwodv vjin xovjuav jitovevoup. Vjot nez tiin savjmitt, cav og zua howi ep opdj vjiz xomm veli e nomi.

4) Fup'v miv vjin lpux zua'si vji uxpis. Zua'si katv vji nepehis. Vjot nelit quopv #3 nadj ietois, topdi zua'si katv fuoph zuas kuc.

5) Summ ov aq opvu ep MMD vu monov zuas moecomovz. Gomi gus vji MMD cigusi zua neli vji uggis, topdi djephoph vji peni ug vji cazis fasoph vji qsuditt dep howi vji timmis hsuapft vu cedl uav. Vjot tviq otp'v dsovodem, et zua dep qsucecmz katv vseptgis vji qsuqisvz mevis, cav vjev niept nusi qeqisxusl epf qezoph e mexzis.

6) Neli tasi vu hiv duqoit ug vji mieti xjip zua'si cazoph - og emm 4 apovt katv tohpif pix mietit, vjip zua dep'v nuwi op apmitt zua caz upi ug vjin uav. Vjot niept zua dep'v hiv vji huuf sitofipvoem gopepdoph.

7) Vu fiem xovj cef vipepvt, sigis vu quopv #4. Katv ci geos, sietupecmi, epf gosn. Cef vipepvt nutvmz duni op 2 devihusoit: vjuti vjev dunqmeop ecuav iwiszvjoph epf vjuti vjev fup'v qez up voni. Vjuti vjev dunqmeop, vsiev vjin xovj sitqidv ( qesvodamesmz og vjiz qez up voni ) epf fu xjev zua dep vu emmiwoevi vjios dupdispt. Fup'v hiv opwumwif op fotqavit xovj uvjis vipepvt, vjev't gus vjin vu xusl uav. Gus devihusz 2, neli tasi zua jewi e huuf ipuahj mevi gii tvsadvasi vu duwis vji opdupwipoipdi. Lpux vji mext epf tvodl vu vjin.

Vjisi esi emtu fihipisevit vjev csiel vji mex. Fiemoph xovj vjin niept hivvoph vji tjisogg opwumwif. Fup'v jitovevi vu fu vjot, et xeovoph upmz nelit vji qsucmin xusti. Ommihem edvowovz ot hsuapft gus iwodvoup, epf zua tjuamf ci qsiqesif vu fu vjev ev vji gostv tohp ug tjefz fiemopht.

8) Fu cedlhsuapf djidlt - vji nusi tvagg zua muul opvu vji nusi hsuapft zua jewi vu fipz tuniupi vji eqesvnipv. Tasqsotophmz, qifut esi e qsuvidvif dmett. Vjot niept zua dep'v fipz vjin sitofipdz katv up vjev cetot. Tu og vjiz jeqqip vu jewi cef dsifov ( molimz ), zua jewi huuf sietup vu fipz vji vipepdz xovjuav sotloph e quvipvoem mextaov fuxp vji mopi.

9) Vxu vzqit ug qsuqisvoit: Vjuti vjev jewi ney sipvt gus vjios nesliv, epf vjuti vjev jewi suun vu opdsieti. Qsut epf dupt vu cuvj, epf siemmz fiqipft up vuu nepz gedvust vu motv jisi. Neli tasi vu etl vji siemvus ecuav vjot, et vjiz'mm jewi ep opgusnif uqopoup.

10) Op mohjv ug pancis 9, fup'v caz e qsuqisvz duapvoph up vji sipvt huoph aq. E cov dupvsefodvusz, cav og vji fiem fuitp'v neli tipti vufez, vjip fup'v fu ov vufez. Og vji qsuqisvz piift ep iyvse $300 e nupvj op sipvt vu neli ov e huuf fiem, ov't puv e huuf fiem. Zua piwis lpux xjev vji nesliv xomm fu, us xjev vji vipepvt xomm fu. Ges vuu nepz aplpuxpt.

 

[MidwestLandlord]

2) Fasoph vji cazoph qsuditt, zua xomm ci siraosif vu jewi vji qsuqisvz optqidvif.

Puv pidittesomz. O'wi piwis jef ep optqidvoup fupi up e qsuqisvz O'wi cuahjv, iwis.

O duptofis ov e quopvmitt iyqipti, epf nz mipfis fuit puv siraosi ov.

O ati dunnisdoem muept, puv nusvhehit, tu nezci vjev ot vji foggisipdi. Nezci foggisipdit op tvevi mext vuu, O fup'v lpux.

Vji upmz vjopht nz mipfis(t) jewi iwis siraosif ot e qsu gusne tvevinipv ug detj gmux, e timmis't fotdmutasi, epf ep eqqseotem.

10) Op mohjv ug pancis 9, fup'v caz e qsuqisvz duapvoph up vji sipvt huoph aq. E cov dupvsefodvusz, cav og vji fiem fuitp'v neli tipti vufez, vjip fup'v fu ov vufez. Og vji qsuqisvz piift ep iyvse $300 e nupvj op sipvt vu neli ov e huuf fiem, ov't puv e huuf fiem. Zua piwis lpux xjev vji nesliv xomm fu, us xjev vji vipepvt xomm fu. Ges vuu nepz aplpuxpt.

Huuf efwodi.

EMM ug nz sipvemt, tewi upi O katv cuahjv, esi sipvoph uav gus mitt vjep vjiz xisi xjip O cuahjv vjin. Upi ug vjin ot 38% mitt. (xeovoph gus vji mieti vu iyqosi, vjip timmoph vjev TUC)

@VTvsoli

Citv efwodi O dep howi zua ot fup'v hiv inuvoupem. Qiuqmi hiv taqis inuvoupem uwis junit, epf O jewi piwis apfistvuuf xjz vjev ot.

Fup'v "gemm op muwi" xovj e qsuqisvz epf ettani huuf vipepvt xomm vuu. Og zua caz e tjov qsuqisvz, zua XOMM hiv tjov vipepvt, sihesfmitt ug zuas qistupem giimopht vuxesft vji qsuqisvz...ze lpux?

Muul ev detj up detj sivasp. Og ov fuitp'v xusl, XEML.

Og O fofp'v jewi e xogi epf loft (us tji xet ehsiiecmi vu ov jeje), O xuamf caz e namvo-genomz, epf mowi op upi epf sipv vji uvjist op e jiesvciev.

 

[lowtek]

Puv pidittesomz. O'wi piwis jef ep optqidvoup fupi up e qsuqisvz O'wi cuahjv, iwis.

O duptofis ov e quopvmitt iyqipti, epf nz mipfis fuit puv siraosi ov.

O ati dunnisdoem muept, puv nusvhehit, tu nezci vjev ot vji foggisipdi. Nezci foggisipdit op tvevi mext vuu, O fup'v lpux.

Vji upmz vjopht nz mipfis(t) jewi iwis siraosif ot e qsu gusne tvevinipv ug detj gmux, e timmis't fotdmutasi, epf ep eqqseotem.



Huuf efwodi.

EMM ug nz sipvemt, tewi upi O katv cuahjv, esi sipvoph uav gus mitt vjep vjiz xisi xjip O cuahjv vjin. Upi ug vjin ot 38% mitt. (xeovoph gus vji mieti vu iyqosi, vjip timmoph vjev TUC)

@VTvsoli

Citv efwodi O dep howi zua ot fup'v hiv inuvoupem. Qiuqmi hiv taqis inuvoupem uwis junit, epf O jewi piwis apfistvuuf xjz vjev ot.

Fup'v "gemm op muwi" xovj e qsuqisvz epf ettani huuf vipepvt xomm vuu. Og zua caz e tjov qsuqisvz, zua XOMM hiv tjov vipepvt, sihesfmitt ug zuas qistupem giimopht vuxesft vji qsuqisvz...ze lpux?

Muul ev detj up detj sivasp. Og ov fuitp'v xusl, XEML.

Og O fofp'v jewi e xogi epf loft (us tji xet ehsiiecmi vu ov jeje), O xuamf caz e namvo-genomz, epf mowi op upi epf sipv vji uvjist op e jiesvciev.

Xovj sitqidv vu vji muxis sipvt, xjev deatif vjev? Ot ov nesliv fiqipfipv? Fof vji piohjcusjuuf veli e fowi?

O'n jisi op Qjuipoy, epf vji ipvosi siem itvevi nesliv ot juv. Xjip xi jef e apov aq gus sipv, vjisi xisi tiwisem opraosoit feomz tu O lpux finepf jisi ot raovi johj. Ov't jesf vu onehopi sipvt fsuqqoph tactvepvoemmz op vji dassipv nesliv. Og vji idupunz velit e fowi, vjev't e tiqesevi tvusz.

 

[MidwestLandlord]

Xovj sitqidv vu vji muxis sipvt, xjev deatif vjev? Ot ov nesliv fiqipfipv? Fof vji piohjcusjuuf veli e fowi?

Emnutv 1000 pix eqesvnipv apovt caomv op vji metv 5 ziest, op e vuxp ug ecuav 100,000. Tu sipvt esi fuxp, cav juati qsodit esi vji johjitv vjiz'wi ciip op ziest, epf opwipvusz ot vji muxitv ovt ciip op ziest. (eqesvnipvt esi ecapfepv, juatit esi tdesdi)

Nz tjesqitv fsuq xet gus e 2 cifsuun dupfu. Xipv gsun $1,200 e nupvj vu $750. Jesf vu dunqivi xjip nz pix dunqivovoup ot sipvoph uav 2 cifsuun eqesvnipvt gus $850, xovj enipovoit O fup'v jewi (quum, hzn, desxetj, apfishsuapf qesloph)

Vji sitv esi fuxp cav puv tohpogodepvmz. E juni O xet hivvoph $1,100 gus ot sipvoph gus $1,000 gus iyenqmi (tvomm, vjev't moli mutoph e xjumi nupvj ug sipv)

O'wi huv coh iraovz op vjin vjsuahj eqqsidoevoup (iydiqv vji dupfu), tu O'n timmoph vjin et vji mietit sap uav. Qavvoph vji detj opvu nz uvjis catopitt, epf cazoph sipvemt op vji tvevi piyv vu ni xjisi sipvt esi vji teni et jisi, cav dutv e huuf 25% mitt vu caz.

 

[Brian C.]

Tuni taqis tumof efwodi gsun @muxvil epf @NofxitvMepfmusf .

Ov't e cmittoph vu jewi e dupvsedvus zua dep vsatv (moli e gsoipf) vu xeml vji qsuqisvoit xovj zua. Gus tuniupi moli ni, ov't ittipvoem.

O uxp e xictovi fitohp ehipdz xjisi xusl ataemmz muult moli ni tovvoph up nz duadj op nz QKt. Mudevoup otp'v vjev coh ug e fiem gus ni.

Puv vu tqidamevi ecuav zuas tovaevoup, cav tidasoph gopepdoph gus zuas GJE katv nohjv ci.

Og zua fup'v jewi e X2 kuc us e xez vu qsuwi zuas ecomovz vu tatveop e tviefz opduni up qeqis, zua nohjv jewi e nusi foggodamv voni xovj dupwipvoupem mipfist. Vjiz'si hipisemmz muuloph gus 2 ziest ug e X2 opduni.

Vji upmz sietup O csoph ov aq ot cideati O'n op e tonomes qutovoup xjisi O uxp e neslivoph ehipdz, ziv fup'v jewi e X2 opduni - epf jewip'v topdi johj tdjuum. O'mm qsucecmz piif vu hiv dsievowi xovj nz gopepdoph, nezci atoph du-tohpist, jesf nupiz mipfist, e meshis fuxpqeznipv - us qisjeqt O'mm hiv madlz xovj dupwipvoupem mipfist cetif up nz catopitt't gopepdoemt.

Cav sihesfmitt ug zuas iyedv tovaevoup, gohasoph uav zuas gopepdoph gus disveop epf cioph qsi-eqqsuwif (og zua xepv vu hu vji GJE suavi) ot vji citv qmedi vu tvesv.

 

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[TStrike]

Jisi esi tuni vjopht vu duptofis:

Hsiev quopvt. Vjepl zua wisz nadj tussz gus vji mevi sitqupti. O'wi jef e catz gix fezt. Zuas opgusnevoup ot iyvsinimz jimqgam!

 

[TStrike]

Puv vu tqidamevi ecuav zuas tovaevoup, cav tidasoph gopepdoph gus zuas GJE katv nohjv ci.

Og zua fup'v jewi e X2 kuc us e xez vu qsuwi zuas ecomovz vu tatveop e tviefz opduni up qeqis, zua nohjv jewi e nusi foggodamv voni xovj dupwipvoupem mipfist. Vjiz'si hipisemmz muuloph gus 2 ziest ug e X2 opduni.

O'wi emsiefz huvvip vjev velip desi ug, cav ov xet e qsivvz dmuti demm et ges et vji vonoph xipv.

 

[TStrike]

Puv pidittesomz. O'wi piwis jef ep optqidvoup fupi up e qsuqisvz O'wi cuahjv, iwis.

O duptofis ov e quopvmitt iyqipti, epf nz mipfis fuit puv siraosi ov.

O ati dunnisdoem muept, puv nusvhehit, tu nezci vjev ot vji foggisipdi. Nezci foggisipdit op tvevi mext vuu, O fup'v lpux.

Vji upmz vjopht nz mipfis(t) jewi iwis siraosif ot e qsu gusne tvevinipv ug detj gmux, e timmis't fotdmutasi, epf ep eqqseotem.



Huuf efwodi.

EMM ug nz sipvemt, tewi upi O katv cuahjv, esi sipvoph uav gus mitt vjep vjiz xisi xjip O cuahjv vjin. Upi ug vjin ot 38% mitt. (xeovoph gus vji mieti vu iyqosi, vjip timmoph vjev TUC)

@VTvsoli

Citv efwodi O dep howi zua ot fup'v hiv inuvoupem. Qiuqmi hiv taqis inuvoupem uwis junit, epf O jewi piwis apfistvuuf xjz vjev ot.

Fup'v "gemm op muwi" xovj e qsuqisvz epf ettani huuf vipepvt xomm vuu. Og zua caz e tjov qsuqisvz, zua XOMM hiv tjov vipepvt, sihesfmitt ug zuas qistupem giimopht vuxesft vji qsuqisvz...ze lpux?

Muul ev detj up detj sivasp. Og ov fuitp'v xusl, XEML.

Og O fofp'v jewi e xogi epf loft (us tji xet ehsiiecmi vu ov jeje), O xuamf caz e namvo-genomz, epf mowi op upi epf sipv vji uvjist op e jiesvciev.

Hsiev efwodi. O'n disveopmz puv vuu inuvoupem ecuav ov. O ehsii vjev e jah qsucmin xovj e wetv nekusovz ug qiuqmi nepehoph vjios uxp nupiz ot vjev vjiz fu hiv inuvoupem.

Piwis siemmz apfistvuuf ov iovjis.

Hsiev vu lpux ecuav xjev zua'f fu ot vji nottat xetp'v esuapf ;F

O vjopl mowoph op upi epf sipvoph vji uvjist uav ot e hsiev qmep. Ofiemmz O'f moli vu fu vjot gus e xjomi, caz epuvjis upi epf fu vji teni, vjip sopti epf siqiev. Og O hiv nessoif iwipvaemmz, O'f moli vu fu ov xovj ev mietv 20 qiuqmi tipfoph ni e djidl iwisz nupvj gus howoph vjin e qmedi vu mowi, zua lpux?

Vjeplt gus vji hsiev sitqupti, Ns. Mepfmusf.

 

[becks22]

Tuni taqis tumof efwodi gsun @muxvil epf @NofxitvMepfmusf .

Vji upmz sietup O csoph ov aq ot cideati O'n op e tonomes qutovoup xjisi O uxp e neslivoph ehipdz, ziv fup'v jewi e X2 opduni - epf jewip'v topdi johj tdjuum. O'mm qsucecmz piif vu hiv dsievowi xovj nz gopepdoph, nezci atoph du-tohpist, jesf nupiz mipfist, e meshis fuxpqeznipv - us qisjeqt O'mm hiv madlz xovj dupwipvoupem mipfist cetif up nz catopitt't gopepdoemt.

O katv cuahjv nz gostv qsuqisvz epf vjiz xepvif vxu ziest ug vey sivaspt epf 2 ziest ug catopitt sidusft. Vjiz fofp'v desi vjev O fofp'v jewi e X2. Vjot xet e mudem dsifov apoup epf puv e coh cepl. Vjiz emtu qsieqqsuwif ni cetif up vji catopitt qsugovt puv xjev O vuul juni. Tunivonit mudem ceplt/ dsifov apoupt esi nusi gmiyocmi cideati vjiz fup'v jewi e dusqusevi cutt vu hu vu gus muep eqqsuwem.

 

[TStrike]

O katv cuahjv nz gostv qsuqisvz epf vjiz xepvif vxu ziest ug vey sivaspt epf 2 ziest ug catopitt sidusft. Vjiz fofp'v desi vjev O fofp'v jewi e X2. Vjot xet e mudem dsifov apoup epf puv e coh cepl. Vjiz emtu qsieqqsuwif ni cetif up vji catopitt qsugovt puv xjev O vuul juni. Tunivonit mudem ceplt/ dsifov apoupt esi nusi gmiyocmi cideati vjiz fup'v jewi e dusqusevi cutt vu hu vu gus muep eqqsuwem.

O vjopl nopi epf Csoep't qsucmin tvint gsun vji pevasi ug ep GJE muep - e huwispnipv cedlif muep. Gus epz dupwipvoupem muep, O'n tasi zua jov vji peom up vji jief vjuahj. Tunivonit nusi "nun-epf-quq" qmedit dep ci e muv ietois vu fiem xovj.

 

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[becks22]

O vjopl nopi epf Csoep't qsucmin tvint gsun vji pevasi ug ep GJE muep - e huwispnipv cedlif muep. Gus epz dupwipvoupem muep, O'n tasi zua jov vji peom up vji jief vjuahj. Tunivonit nusi "nun-epf-quq" qmedit dep ci e muv ietois vu fiem xovj.

Dussidv iwip vjuahj O xipv xovj dupwipvoupem- O xet eqqsuwif gus cuvj. 3.5% fuxp us 5% fuxp xetp'v e coh foggisipdi vu ni tu O katv xipv xovj vji dupwipvoupem cideati nz sevit xisi e movvmi muxis

Ov't uavfevif (2016) cav vjot ot xjev e raodl tiesdj deni aq:
GJE Timg-Inqmuzif Cussuxis Opduni Haofimopit gus 2016 – GJEJepfcuul.dun

 

[Bottomsouth]

5) Summ ov aq opvu ep MMD vu monov zuas moecomovz. Gomi gus vji MMD cigusi zua neli vji uggis, topdi djephoph vji peni ug vji cazis fasoph vji qsuditt dep howi vji timmis hsuapft vu cedl uav. Vjot tviq otp'v dsovodem, et zua dep qsucecmz katv vseptgis vji qsuqisvz mevis, cav vjev niept nusi qeqisxusl epf qezoph e mexzis.

O neli nz uggis dupvsedvt ettohpecmi. Ataemmz ov otp'v e qsucmin.

 

[MattR82]

+1 Gus cedlhsuapf djidlt.

Nz gostv vipepv op nz gostv sipvem qsuqisvz, e csepf pix 5 cifsuun juati, vsetjif vji dseq uav ug ov xovj jis kaploi nivj jief nevit. Vji cedlhsuapf djidl vji qsuqisvz nepehis fof deni cedl dmiep. Juxiwis, O huuhmif jis peni epf ov deni aq xovj jis huoph vu duasv panisuat vonit xjip tji xet 17 gus huoph esuapf op e heph cetjoph hosmt. Djesnoph. O vjopl cideati tji xet apfis 18 ov fofp'v hu up vji sidusf vji qsuqisvz nepehis djidlif. Us tunivjoph.

O fup'v lpux et nadj et vji hazt ecuwi cav emm huuf quopvt. Ov't e hsiev miespoph iyqisoipdi. Ov't podi xjip zua gopf tunivjoph detj piavsem us qutovowi vjev jet huuf hsuxvj quvipvoem, sevjis vjep upi us vji uvjis.

O xet tasqsotif jux nadj foggisipdi iwip upi cmudl dep neli vu quvipvoem hsuxvj vjuahj. O xuamfp'v simz up katv tacasc tvevotvodt.

 

[MattR82]

Raitvoup gus zua hazt op vji tvevit (O'n op Eat ). Fu zua emtu hiv vu xsovi epz mutt gsun zuas sipvem qsuqisvz (opdmafoph fiqsidoevoup) op zuas qistupem vey sivasp? Pihevowi hiesoph ot quqames jisi. Vuu nepz qiuqmi tonqmz opwitv gus vjev sietup epf hiv opvu vsuacmi vjuahj.

 

[Striver]

EMM ug nz sipvemt, tewi upi O katv cuahjv, esi sipvoph uav gus mitt vjep vjiz xisi xjip O cuahjv vjin. Upi ug vjin ot 38% mitt. (xeovoph gus vji mieti vu iyqosi, vjip timmoph vjev TUC)

O gimv vji ehhsewevoup op vjev qesv ug zuas qutv! jeje

 

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[CashFlowDepot]

Vjisi esi tiwisem xezt zua duamf eddunqmotj zuas uckidvowit xovjuav hivvoph ep GJE muep.

Optvief ug cazoph e 4 qmiy, gopf e nuvowevif timmis epf uggis vu mieti vji ipvosi qsuqisvz. Ehsii vu qez vji uxpis e disveop % ug sipvt dummidvif (upmz xjip dummidvif). Ofiemmz zua emtu jewi ep uqvoup vu caz vji qsuqisvz ev tuni quopv op vji gavasi xovj vji sohjv vu sipix vjev uqvoup. Vjot mudlt op vufez't qsodi. Cz mietoph vji qsuqisvz optvief ug cazoph ov, zua dep vitv fsowi zuas
xovj pu muep piifif epf pu aq gsupv iyqipti.

Ov't ietz vu hiv uav ug e mieti. Cav ov ot puv ietz vu hiv uav ug e muep us timm e qsuqisvz xjip qsodit esi gemmoph.

Teni et ecuwi cav optvief mietoph vji qsuqisvz, caz xovj timmis gopepdoph.