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  <title>PropertyProsRated guides</title>
  <link>https://propertyprosrated.com/</link>
  <description>Independent property cost guides and how-tos.</description>
  <language>en-us</language>
  <item>
    <title>What a Home Inspection Covers (and What It Misses)</title>
    <link>https://propertyprosrated.com/guides/what-a-home-inspection-covers/</link>
    <guid>https://propertyprosrated.com/guides/what-a-home-inspection-covers/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>A home inspection covers structure, roof, and major systems -- but not everything. Learn what inspectors check, what they skip, and when to waive is too risky.</description>
  </item>
  <item>
    <title>Security Deposit Limits by State: What Landlords Can Charge</title>
    <link>https://propertyprosrated.com/guides/security-deposit-limits-by-state/</link>
    <guid>https://propertyprosrated.com/guides/security-deposit-limits-by-state/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Security deposit limits vary from no cap to two months' rent depending on your state. See the rules for 14 states, return timelines, and landlord compliance tips.</description>
  </item>
  <item>
    <title>Rent vs. Buy: How to Run the Numbers for Your Market</title>
    <link>https://propertyprosrated.com/guides/rent-vs-buy-calculator-guide/</link>
    <guid>https://propertyprosrated.com/guides/rent-vs-buy-calculator-guide/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Compare the true costs of renting vs. buying in your market. Includes break-even math, hidden ownership costs, and a step-by-step calculator walkthrough.</description>
  </item>
  <item>
    <title>Realtor vs. FSBO: What Sellers Actually Save (and Lose)</title>
    <link>https://propertyprosrated.com/guides/realtor-vs-for-sale-by-owner/</link>
    <guid>https://propertyprosrated.com/guides/realtor-vs-for-sale-by-owner/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>The real math on FSBO vs. hiring a realtor after the 2024 NAR settlement -- commission rates, net proceeds, legal risks, and who should sell without an agent.</description>
  </item>
  <item>
    <title>Property Manager vs. Self-Managing: Cost and Time Compared</title>
    <link>https://propertyprosrated.com/guides/property-manager-vs-self-manage/</link>
    <guid>https://propertyprosrated.com/guides/property-manager-vs-self-manage/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Compare the real cost of hiring a property manager -- fees, leasing charges, markups -- against what self-managing a rental actually demands in time and money.</description>
  </item>
  <item>
    <title>How to Stage Your Home to Sell (Without a Stager)</title>
    <link>https://propertyprosrated.com/guides/how-to-stage-your-home-to-sell/</link>
    <guid>https://propertyprosrated.com/guides/how-to-stage-your-home-to-sell/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Practical DIY home staging tips that help sellers reduce days on market and attract stronger offers -- organized room by room, no professional stager required.</description>
  </item>
  <item>
    <title>How to Screen a Tenant: A Landlord's Practical Guide</title>
    <link>https://propertyprosrated.com/guides/how-to-screen-a-tenant/</link>
    <guid>https://propertyprosrated.com/guides/how-to-screen-a-tenant/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Learn how to screen tenants legally and effectively -- from rental applications and income verification to background checks and Fair Housing compliance.</description>
  </item>
  <item>
    <title>How to Read a Lease Agreement Before You Sign</title>
    <link>https://propertyprosrated.com/guides/how-to-read-a-lease-agreement/</link>
    <guid>https://propertyprosrated.com/guides/how-to-read-a-lease-agreement/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Know what to look for in a rental lease before you sign. Rent terms, deposit rules, maintenance duties, red-flag clauses, and what you can negotiate.</description>
  </item>
  <item>
    <title>How to Buy Your First Home: A Step-by-Step Guide</title>
    <link>https://propertyprosrated.com/guides/how-to-buy-your-first-home/</link>
    <guid>https://propertyprosrated.com/guides/how-to-buy-your-first-home/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>A plain-spoken, step-by-step guide to buying your first home -- from checking your credit score to closing day, with real timelines and total costs explained.</description>
  </item>
  <item>
    <title>Fixed-Rate vs. ARM Mortgage: Which Is Right for You?</title>
    <link>https://propertyprosrated.com/guides/fixed-rate-vs-arm-mortgage/</link>
    <guid>https://propertyprosrated.com/guides/fixed-rate-vs-arm-mortgage/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Fixed-rate vs. ARM mortgage: understand how each works, what payment shock means in practice, and which structure fits your timeline and risk tolerance.</description>
  </item>
  <item>
    <title>Down Payment Requirements by Loan Type (2026)</title>
    <link>https://propertyprosrated.com/guides/down-payment-requirements-by-loan-type/</link>
    <guid>https://propertyprosrated.com/guides/down-payment-requirements-by-loan-type/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>FHA, conventional, VA, and USDA down payment minimums explained with real program rules, eligibility, and what you actually need to close in 2026.</description>
  </item>
  <item>
    <title>Condo vs. Single-Family Home: A Buyer's Honest Comparison</title>
    <link>https://propertyprosrated.com/guides/condo-vs-single-family-home/</link>
    <guid>https://propertyprosrated.com/guides/condo-vs-single-family-home/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Compare condos and single-family homes on cost, HOA fees, maintenance, financing, and resale value so you can decide which purchase fits your situation.</description>
  </item>
  <item>
    <title>Closing Costs Explained: What Buyers Actually Pay</title>
    <link>https://propertyprosrated.com/guides/closing-costs-explained/</link>
    <guid>https://propertyprosrated.com/guides/closing-costs-explained/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Closing costs typically run 2-5% of your loan amount. Here is every fee buyers pay at the table, who pays what, and how to reduce the total.</description>
  </item>
  <item>
    <title>Closing Costs by State: What Buyers Pay in Each Market</title>
    <link>https://propertyprosrated.com/guides/closing-costs-by-state/</link>
    <guid>https://propertyprosrated.com/guides/closing-costs-by-state/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>Average closing costs vary from under 1% to over 3% of the purchase price depending on your state. See what buyers typically pay and why the gap is so wide.</description>
  </item>
  <item>
    <title>Average Days on Market by State (Current Data)</title>
    <link>https://propertyprosrated.com/guides/average-days-on-market-by-state/</link>
    <guid>https://propertyprosrated.com/guides/average-days-on-market-by-state/</guid>
    <pubDate>Sat, 06 Jun 2026 12:00:00 GMT</pubDate>
    <description>How long does it take to sell a house? See typical days on market by state, what drives faster and slower timelines, and how to read your local number.</description>
  </item>
  <item>
    <title>What Is Escrow in Real Estate? Two Meanings Explained</title>
    <link>https://propertyprosrated.com/guides/what-is-escrow-explained/</link>
    <guid>https://propertyprosrated.com/guides/what-is-escrow-explained/</guid>
    <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
    <description>Escrow means two things in real estate: the closing process and the mortgage account that pays your taxes and insurance. Here is how both work.</description>
  </item>
  <item>
    <title>Townhouse vs. Condo vs. Single-Family: A Buyer's Comparison</title>
    <link>https://propertyprosrated.com/guides/townhouse-vs-condo-vs-single-family/</link>
    <guid>https://propertyprosrated.com/guides/townhouse-vs-condo-vs-single-family/</guid>
    <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
    <description>Condos, townhouses, and single-family homes differ in what you own, HOA fees, and financing. Here is the comparison first-time buyers need before making an offer.</description>
  </item>
  <item>
    <title>Title Insurance Explained: What You Pay For and Why</title>
    <link>https://propertyprosrated.com/guides/title-insurance-explained/</link>
    <guid>https://propertyprosrated.com/guides/title-insurance-explained/</guid>
    <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
    <description>Title insurance costs $500 to $3,500, paid once at closing. Here is the difference between the lender and owner policies, who pays for each, and what is optional.</description>
  </item>
  <item>
    <title>Seller Concessions Explained: Credits, Limits, and Asking</title>
    <link>https://propertyprosrated.com/guides/seller-concessions-explained/</link>
    <guid>https://propertyprosrated.com/guides/seller-concessions-explained/</guid>
    <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
    <description>Seller concessions are credits toward your closing costs, capped at 3 to 6 percent by loan type. Here is when to ask for them and whether a price cut helps more.</description>
  </item>
  <item>
    <title>Rental Property Taxes: What Landlords Can and Cannot Deduct</title>
    <link>https://propertyprosrated.com/guides/rental-property-taxes-landlord-guide/</link>
    <guid>https://propertyprosrated.com/guides/rental-property-taxes-landlord-guide/</guid>
    <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
    <description>Landlords can deduct mortgage interest, repairs, insurance, and depreciation on Schedule E. Here is how each works and the passive activity rules that cap losses.</description>
  </item>
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