Practical Real Estate Law

by Hinkel, Daniel F.

• ISBN13: 9780766816831
• ISBN10: 0766816834
• Edition: 3rd
• Format: Paperback
• Copyright: 2000-01-11
• Publisher: CENGAGE Delmar Learning

Summary

Practical Real Estate Law is a vital tool in instructing paralegal students about the intricacies of real estate transactions. Students and instructors will find just the right mix of theory and practice for both residential and commercial concerns. The text features detailed instructions in carrying out such important transactions as closings, sales and mortgage loans secured by real estate. The text is designed not only to serve as a study guide but also as a reference tool for paralegals in practice with the inclusion of checklists, tips, advice and residential- and commercial-specific real estate forms.

Table of Contents

Preface	xiii
Introduction to the Law of Real Property	1	(17)
Real Property Law	2	(4)
Laws That Govern Real Property Transactions	2	(1)
Real Property versus Personal Property	2	(1)
Physical Elements of Real Property	2	(3)
Ownership of Real Property	5	(1)
Case: Ex Parte Brown	6	(1)
Methods of Acquiring Ownership to Real Property	7	(2)
Inheritance and Devise	7	(1)
Gift	7	(1)
Contract and Sale	7	(1)
Adverse Possession	7	(2)
History of American Real Property Law	9	(3)
Modern-Day Estates in Real Property	9	(3)
Role of Legal Assistant in Real Estate Legal Practice	12	(3)
Ethics: Introduction	15	(1)
Summary	16	(1)
Key Terms	16	(1)
Review Questions	17	(1)
Case Problems	17	(1)
Practical Assignments	17	(1)
Concurrent Ownership	18	(18)
Types of Concurrent Ownership	19	(5)
Joint Tenancy with Right of Survivorship	19	(1)
Tenancy in Common	20	(2)
Tenancy by the Entirety	22	(1)
Community Property	22	(2)
Agreements of Cotenancy	24	(1)
Checklist: Agreement of Cotenancy	25	(5)
Concurrent Ownership and the Role of the Legal Assistant	30	(1)
Ethics: Unauthorized Practice of Law	30	(1)
Summary	31	(1)
Key Terms	31	(1)
Review Questions	32	(1)
Case Problems	32	(4)
Condominiums and Cooperatives	36	(33)
Condominium	37	(3)
Birth of a Condominium	37	(1)
Articles and Bylaws of Condominium Association	38	(2)
Case: Forest Villas Condominium Association, Inc. v. Camerio et al.	40	(2)
Practice Tips for the Legal Assistant	41	(1)
Cooperative	41	(1)
Checklist: Condominium Checklist	42	(1)
Differences between Condominiums and Cooperatives	42	(1)
Time-Shares	43	(1)
Ethics: Legal Assistant Correspondence	43	(1)
Summary	44	(1)
Key Terms	44	(1)
Review Questions	44	(1)
Case Problems	44	(1)
Practical Assignments	45	(1)
Appendix	45	(24)
State Condominium Act Requirements for Declaration	45	(3)
Condominium Declaration	48	(9)
State Condominium Code Requirements for Condominium Plat	57	(2)
Articles of Incorporation	59	(3)
Condominium Association By-Laws	62	(7)
Survey and Land Descriptions	69	(30)
The Survey	70	(1)
Preparation of Surveys and Survey Standards	70	(2)
Land Descriptions	72	(10)
Government Rectangular Survey Description	72	(4)
Platted Description	76	(1)
Metes and Bounds Description	77	(5)
Practice Tips for Reviewing a Survey	82	(2)
Ethics: Competency	84	(1)
Summary	84	(1)
Key Terms	85	(1)
Review Questions	85	(1)
Practical Assignments	85	(1)
Addendum of Sample Surveys and Legal Descriptions	85	(14)
Platted Description Survey	86	(1)
Metes and Bounds Description	87	(1)
Metes and Bounds for Use of Interior Angles	88	(1)
Metes and Bounds Survey---E. Ponce de Leon Property	89	(1)
Metes and Bounds Survey---Mohawk Trail Property	90	(1)
Metes and Bounds Survey---Dickey Estate Property	91	(1)
Metes and Bounds Survey with Legal Description---Willow Creek Property	92	(1)
ALTA/ASCM 1997 Survey Standards	93	(3)
Survey Review Checklist	96	(3)
Public Regulation and Encumbrances	99	(28)
Public Regulation	100	(2)
Zoning	100	(1)
Building Codes and Subdivision Regulations	101	(1)
Environmental Protection Laws	101	(1)
Case: Shackford & Gooch, Inc. et al. v. The Town of Kennebunk et al.	102	(4)
Power of Eminent Domain	105	(1)
Taxation	106	(1)
Federal and State Income Tax Liens	106	(1)
Private Encumbrances	106	(3)
Judgement Liens	106	(1)
Mechanics' and Materialmen's Liens	107	(1)
Mortgages and Trust Deeds	108	(1)
Easements	108	(1)
Restrictive Covenants	108	(1)
Ethics: Abandonment of Work	109	(1)
Summary	109	(1)
Key Terms	109	(1)
Review Questions	109	(1)
Practical Assignments	110	(17)
Easements and Licenses	127	(16)
Easements	128	(3)
Creation of Easements	129	(2)
Checklist: For Preparation of an Easement	131	(2)
Case: Russakoff v. Scruggs	133	(3)
Termination of Easements	136	(1)
Licenses	136	(1)
Practice Tips for the Legal Assistant	137	(1)
Ethics: False Witness	137	(1)
Summary	138	(1)
Key Terms	138	(1)
Review Questions	138	(1)
Case Problems	138	(1)
Practical Assignments	139	(1)
Addendum: Forms and Exhibits	139	(4)
Sanitary Sewer Easement and Ingress and Egress Easement	139	(3)
An Electric Power Company Right-of-Way Easement	142	(1)
Contracts	143	(15)
Requirements of a Valid Contract	144	(5)
Legal Capacity to Contract	144	(4)
Mutual Agreement	148	(1)
Consideration	148	(1)
Lawful Purpose	148	(1)
Written Agreements	149	(1)
Remedies for Breach of a Real Estate Contract	149	(2)
Specific Performance	150	(1)
Money Damages	150	(1)
Rescission	150	(1)
Liquidated Damages	151	(1)
Real Estate Broker	151	(1)
Case: Southeastern Land Fund, Inc. v. Real Estate World, Inc.	152	(2)
Listing Agreements	154	(1)
Open Listing	154	(1)
Exclusive Listing	154	(1)
Exclusive Right-to-Sell Listing	154	(1)
Ethics: Commingling of Client Funds	155	(1)
Summary	155	(1)
Key Terms	156	(1)
Review Questions	156	(1)
Case Problems	156	(1)
Practical Assignments	157	(1)
Preparation and Review of a Real Estate Contract	1580	(61)
Sydney's Real Estate Contract	159e	(1)
Elements in a Real Estate Contract	160	(24)
The Parties	160	(1)
Consideration	160	(1)
The Agreement	161	(1)
The Property	161	(1)
The Price	162	(1)
The Method of Payment	162	(2)
Quality of Title	164	(1)
Possession of the Property	165	(1)
Closing or Settlement	165	(1)
Closing or Settlement Documents	166	(1)
Proration, Closing Costs, and Financial Adjustments	167	(1)
Condition of the Property and Risk of Loss	168	(1)
Earnest Money	169	(1)
Brokers	170	(1)
Survival	171	(1)
Assignment of Contract	171	(1)
Time Is of the Essence	172	(1)
Warranties of the Parties	172	(1)
Contingencies	173	(1)
Definitions	174	(1)
Default	174	(1)
Notice	174	(1)
Entire Agreement	175	(1)
Applicable Law	175	(1)
Additional Provisions	175	(1)
Offer and Acceptance	175	(1)
Execution	176	(1)
Special Commercial Contract Issues	176	(1)
Description of the Property	177	(1)
Representations, Warranties, and Covenants	177	(1)
Purchaser's Inspection or ``Free Look''	177	(1)
Closing Documents	178	(2)
Rent Prorations	180	(1)
Lease Commissions	181	(1)
Security Deposits	181	(1)
Seller's Covenants Regarding Operation of Property	182	(1)
Hazardous Materials	182	(1)
Indemnification	183	(1)
Seller's Disclaimer of Warranty	183	(1)
Options	184	(1)
Contracts and Computers	184	(1)
Checklist: For Preparation or Review of Commercial Real Estate Contract	185	(3)
Ethics: Illegal or Fraudulent Activity	188	(1)
Summary	188	(1)
Key Terms	189	(1)
Review Questions	189	(1)
Case Problems	189	(1)
Practical Assignments	190	(1)
Addendum	190	(29)
Contract for Purchase and Sale of a Home	191	(5)
Contract for Purchase and Sale of Large Tract of Vacant Land	196	(6)
Contract for Purchase and Sale of Retail Shopping Center	202	(16)
Option to Purchase	218	(1)
Deeds	219	(32)
Historical Development of Deeds	220	(1)
Types of Deeds	221	(2)
General Warranty Deed	221	(1)
Limited (Special) Warranty Deed	222	(1)
Case: Lunsford v. King	223	(1)
Quitclaim Deed	223	(1)
Basic Requirements of a Valid Deed	224	(1)
Written Instrument	224	(1)
Competent Grantor	224	(1)
Identify of the Grantee	224	(1)
Words of Conveyance	224	(1)
Description of the Property	224	(1)
Consideration	224	(1)
Signature of Grantor	224	(1)
Witnesses of Deeds	225	(1)
Delivery to Grantee	225	(1)
Preparation of a Valid Deed	225	(2)
Caption	225	(1)
Premises or Preamble	225	(1)
Granting Clause	225	(1)
Description	226	(1)
Habendum	227	(1)
Warranty Clause	227	(1)
Testimonium	227	(1)
Completing Sections of a Deed	227	(3)
Preamble	227	(1)
Granting Clause	228	(1)
Description	228	(1)
Testimonium	229	(1)
Practical Exercises in Deed Preparation	230	(4)
Correction of Deeds	234	(1)
Reformation and Cancellation of Deed	234	(1)
Practical Tips for the Legal Assistant	235	(2)
Grantor	236	(1)
Grantee	236	(1)
Legal Description	236	(1)
Witnessing a Deed	236	(1)
Ethics: Falsification of Documents	237	(1)
Checklist: For Preparing a Deed	237	(1)
Summary	238	(1)
Key Terms	238	(1)
Review Questions	238	(1)
Case Problems	238	(1)
Addendum	239	(12)
General Warranty Deed---North Carolina	240	(2)
General Warranty Deed---Texas	242	(2)
Warranty Deed (Joint Tenancy)---Illinois	244	(1)
Limited Warranty Deed---Georgia	245	(1)
Quitclaim Deed---Georgia	246	(1)
Quitclaim Deed---California	247	(1)
Executor's Deed---New York	248	(2)
Administrator's Deed---Georgia	250	(1)
Financing Sources in Real Estate Transactions	251	(17)
Sources of Mortgage Loans	252	(3)
Savings and Loan Associations	252	(1)
Commercial Banks	252	(1)
Mutual Savings Banks	253	(1)
Life Insurance Companies	253	(1)
Credit Unions	253	(1)
Pension Funds	253	(1)
Mortgage Banking Companies	253	(1)
Issuers of Mortgage-Backed Bonds	254	(1)
Types of Loans	254	(1)
Conventional Loans	254	(1)
Insured or Guaranteed Loans	254	(1)
Private Mortgage Insurance	255	(1)
Secondary Market	255	(1)
Federal National Mortgage Association	256	(1)
Government National Mortgage Association	256	(1)
Federal Home Loan Mortgage Corporation	256	(1)
Permanent and Construction Loans	256	(2)
Interest	257	(1)
Payment Plans	257	(1)
Ethics: Overbilling	258	(1)
Summary	259	(1)
Key Terms	259	(1)
Review Questions	259	(1)
Case Problems	259	(1)
Addendum	260	(8)
Loan Amortization Schedule	260	(8)
Legal Aspects of Real Estate Finance	268	(47)
Promissory Note	269	(5)
Endorsement	270	(1)
Payment	271	(1)
Prepayment	272	(1)
Case: Acord v. Jones	273	(1)
Usury	274	(1)
Execution	274	(1)
Practice Tips for the Legal Assistant	274	(1)
Guaranty	274	(1)
Checklist: Preparation of a Note	275	(1)
Mortgages, Deeds of Trust, and Security Deeds	276	(39)
Requirements of a Mortgage	276	(1)
Parties to a Mortgage	277	(1)
Secured Debt	277	(1)
Secured Property	278	(1)
Assignment of Mortgage	278	(1)
Transfer of Property Encumbered by a Mortgage	278	(1)
``Subject to'' versus ``Assumption''	279	(1)
Cancellation or Satisfaction of Mortgage	280	(1)
Second Mortgage Loans	280	(2)
Foreclosure and Other Mortgage Remedies	282	(1)
Foreclosure	282	(1)
Remedies Other Than Foreclosure	283y	(1)
Waiver of Default	284y	(1)
Debtor's Remedies or Defenses to Foreclosure	284y	(1)
Injunction	284y	(1)
Suit for Conversion	284	(1)
Bankruptcy	284	(1)
Ethics: Confidentiality of Client Information	285	(1)
Summary	286	(1)
Key Terms	286	(1)
Review Questions	286	(1)
Case Problems	287	(1)
Practical Assignment	287	(1)
Addendum	288	(1)
FNMA Residential Fixed Rate Note	288	(3)
FNMA Residential Adjustable Rate Note	291	(3)
Commercial Loan Note	294	(4)
Payment Guaranty	298	(2)
Florida Mortgage	300	(3)
North Carolina Deed of Trust	303	(2)
FNMA Residential Deed to Secure Debt	305	(7)
Georgia Commercial Deed to Secure Debt	312	(3)
Mortgage Forms and Provisions	315	(29)
Residential Mortgage Provisions	316	(8)
Commercial Mortgage Provisions	324	(3)
Assignment of Rents and Leases	324	(1)
Security Agreement	324	(1)
Books, Records, and Financial Statements	325	(1)
Hazardous Waste	325	(1)
Nonrecourse or Exculpation Provisions	326	(1)
Miscellaneous Commercial Loan Documents	327	(3)
Security Agreement and Financing Statement	327	(2)
Assignment of Rents	329	(1)
Construction Loan Agreement	329	(1)
Role of the Legal Assistant	330	(1)
Ethics: Misrepresentation	331	(1)
Summary	331	(1)
Key Terms	332	(1)
Checklist: Preparation of a Mortgage	332	(1)
Review Questions	333	(1)
Case Problems	333	(1)
Addendum	334	(10)
Assignment of Leases and Rents	334	(3)
Construction and/or Development Loan Agreement	337	(7)
Title Examinations	344	(24)
Bona Fide Purchaser for Value Rule	345	(2)
Recording Statutes	347	(1)
Case: City of Richland Hills v. Bertelsen	348	(1)
Practice Tips for Ordering a Title Examination	349	(2)
Information Needed to Do an Examination	350	(1)
Examining Title to Real Property	351	(6)
Place to Search	351	(1)
Period of Examination	351	(1)
What to Search	351	(2)
Reviewing the Various Instruments in the Chain of Title	353	(1)
Other Things to Examine	353	(2)
Preliminary Title Report	355	(1)
Title Examination Example	355	(2)
Title Defects and Problems	357	(6)
Record Title Holder	357	(1)
Breaks in the Chain of Title	358	(1)
Errors in Prior Recorded Deeds	358	(1)
Name Variances	359	(1)
Improper and Missing Power of Attorney	359	(1)
Sales Contracts, Options, and Leases	359	(1)
Unsatisfied or Unreleased Mortgages	359	(1)
Notice of Lis Pendens	360	(1)
Easements	360	(1)
Restrictive Covenants and Conditions	360	(1)
Mechanics' and Materialmen's Liens	361	(1)
UCC Financing Statements	361	(1)
Judgement Liens	361	(1)
Tax Liens	361	(1)
Title through Estates	362	(1)
Role of a Legal Assistant and Practice Tips	363	(1)
Record Rooms Embrace New Technology	364	(1)
Ethics: Document Falsification	364	(1)
Summary	365	(1)
Key Terms	365	(1)
Checklist: Ordering or Performing a Title Examination	365	(1)
Review Questions	366	(1)
Case Problems	366	(2)
Title Insurance	368	(57)
Owner's Policy	370	(3)
Insuring Provisions of an ALTA Owner's Policy	371	(1)
Exclusions from Coverage	372	(1)
Case: Title & Trust Company Of Florida v. Barrows	373	(7)
Schedule A	375	(2)
Schedule B	377	(3)
Mortgage or Loan Policies	380	(4)
Insurance Provisions	381	(1)
Miscellaneous Provisions	382	(1)
Endorsements	382	(2)
Construction Title Insurance	384	(1)
Claims Procedures Under Title Insurance Policies	384	(1)
Commitments for Title Insurance	384	(4)
Practice Tips for the Preparation and Review of a Title Insurance Commitment	385	(1)
Practice Tips for the Preparation and Review of a Title Insurance Policy	386	(2)
Ethics: Personal Conflict of Interest	388	(1)
Summary	388	(1)
Key Terms	389	(1)
Checklist: Preparation of a Title Insurance Policy	389	(1)
Review Questions	390	(1)
Case Problems	390	(1)
Acknowledgement	390	(1)
Practical Assignment	390	(1)
Addendum	391	(34)
Owners' Policy---ALTA	392	(6)
Owner's Affidavit	398	(1)
Completed Owner's Policy of Title Insurance	399	(2)
Loan Policy	401	(6)
Zoning Endorsement	407	(1)
Comprehensive Endorsement	408	(1)
Survey Endorsement	409	(1)
Access Endorsement	410	(1)
Contiguity Endorsement	410	(1)
Usury Endorsement	411	(1)
Utility Facility Endorsement	412	(1)
Subdivision Endorsement	412	(1)
Title Commitment	413	(4)
Title Opinion	417	(3)
Title Examination Form for Practical Assignment	420	(2)
Title Commitment Forms for Practical Assignment	422	(3)
Real Estate Closings	425	(39)
The Environment	426	(1)
Anatomy of a Real Estate Closing	427	(11)
File Creation	428	(1)
Information Gathering	428	(1)
Reviewing the Real Estate Contract	428	(1)
Contact with Seller, Purchaser, and Broker by the Legal Assistant	429	(1)
Checklist: Closing	430	(3)
Ordering the Title Examination	433	(2)
Ordering the Survey	435	(1)
Ordering Hazard and Fire Insurance	435	(1)
Obtaining the Termite Clearance Letter or Bond	436	(1)
Reviewing the Title Examination	436	(1)
Satisfaction of Loans and Liens	436	(2)
A Legal Assistant's Review of the Mortgage Loan Commitment	438	(4)
Parties	438	(1)
Loan Amount	438	(1)
Interest Rate	438	(1)
Term of Loan	439	(1)
Repayment Terms	439	(1)
Prepayment Terms	439	(1)
Security	439	(1)
Appraisal	439	(1)
Insurance	439	(1)
Escrow	440	(1)
Title Insurance	440	(1)
Survey	440	(1)
Compliance with Law	440	(1)
Financial Documents	440	(1)
Documents	440	(1)
Defaults and Late Charges	441	(1)
Commitment Fee	441	(1)
Loan Expenses	441	(1)
Closing and Commitment Expiration Date	441	(1)
Disbursement of Loan Proceeds	441	(1)
Acceptance of a Loan Commitment	441	(1)
Assignability	441	(1)
Checklist: Loan Commitment for a Residential Loan	442	(1)
Checklist: Loan Commitment for a Commercial Loan	443	(5)
Special Provisions in a Construction Loan Commitment	448	(1)
Hazardous Waste	448	(1)
Leasehold Loans	448	(1)
The Closing and Aftermath	449	(2)
Disbursing, Recording, and Transmitting Final Documents	450	(1)
Final Closeout by the Legal Assistant	450	(1)
Checklist: Real Estate Closing	451	(2)
New Technology for Document Production	453	(1)
Ethics: Conflicts of Interest	454	(1)
Summary	454	(1)
Key Terms	455	(1)
Review Questions	455	(1)
Practical Assignments	455	(1)
Acknowledgements	455	(1)
Addendum	455	(9)
Sample Contract for Closing Checklist	456	(3)
Mortgage Loan Commitment	459	(5)
Government Regulation of Real Estate Closings	464	(20)
Real Estate Settlement Procedures Act	465	(3)
Transactions Subject to RESPA	465	(1)
Exemptions from RESPA	466	(1)
Required Disclosures and Prohibitions of RESPA	466	(2)
Truth-in-Lending Act	468	(4)
Disclosures for Closed-End Real Property Transactions	468	(2)
Exempt Transactions from Truth-in-Lending	470	(1)
Right of Rescission	470	(2)
Adjustable Interest Rate Disclosures	472	(1)
Types of Loans Covered by ARM Disclosure Requirements	472	(1)
When Must ARM Disclosures Be Made?	472	(1)
Content of the Disclosure	472	(1)
Subsequent Disclosures	473	(1)
Index Requirements	473	(1)
Interest Rate Cap	473	(1)
Checklist: Disclosure Forms	473	(1)
Ethics: Communication with Parties Represented by an Attorney	474	(1)
Summary	474	(1)
Key Terms	475	(1)
Review Questions	475	(1)
Case Problems	475	(1)
Acknowledgement	475	(1)
Addendum	475	(9)
HUD-1 Settlement Statement	476	(2)
Truth-in-Lending Disclosure Statement	478	(1)
Rescission Model Form (General)	479	(1)
Nonrescind Statement	479	(1)
Initial ARM Disclosure Format---H-4 © Variable-Rate Model Clauses	480	(1)
Initial ARM Disclosure Format---H-14 Variable-Rate Mortgage Sample	481	(2)
Subsequent ARM Disclosure	483	(1)
Real Estate Closing Forms and Examples	484	(57)
Affidavits	485	(12)
Title Affidavit	485	(1)
Hazardous Waste Affidavit	486	(1)
Affidavit of No Change	487	(1)
Same Name Affidavit	487	(1)
Similar Name Affidavit	488	(1)
Foreign Person Affidavit	489	(1)
Federal National Mortgage Association Affidavit	489	(1)
Sale and Transfer Documents	489	(1)
Deed	490	(1)
Bill of Sale	490	(1)
Assignment of Warranties	490	(3)
Assignment of Leases	493	(1)
Assignment of Contracts	493	(4)
Loan Documents	497	(1)
Miscellaneous Real Estate Closing Documents	497	(14)
Corporate Resolution	497	(1)
Agreement Regarding Survival of Loan Commitment	497	(1)
Indemnity of Fees	497	(2)
Attorney's Opinion	499	(1)
Compliance Agreements	500	(2)
1099-B Report Form	502	(1)
Settlement or Closing Statement	502	(9)
Residential Closing Example	511	(1)
Checklist: Residential Closing Example	511	(5)
Title Examination	511	(1)
Title Commitment	511	(1)
Survey	511	(1)
Corporate Resolution	512	(1)
Foreign Person Affidavit	512	(1)
Owner's Affidavit	512	(1)
Transfer Tax Certificate	512	(1)
Warranty Deed	512	(1)
Bill of Sale	512	(1)
Termite Letter	512	(1)
Truth-in-Lending Disclosure Statement	513	(1)
Borrower's Affidavit	513	(1)
Promissory Note	513	(1)
Deed to Secure Debt	513	(1)
Hazard Insurance	513	(1)
Settlement Statement	513	(3)
Ethics: Case Problem	516	(1)
Summary	516	(1)
Key Terms	517	(1)
Review Questions	517	(1)
Case Problems	517	(1)
Practical Assignments	517	(24)
Leases	541	(36)
Common Law and Leases	542	(1)
Commercial Lease Provisions	542	(15)
Parties to Lease	543	(1)
Premises	543	(1)
Use	543	(1)
Term	544	(1)
Possession and Commencement of the Rent	544	(1)
Rent	544	(1)
Percentage Rent	544	(3)
Gross versus Net Lease	547	(1)
Rent Escalation Clauses	548	(1)
Maintenance and Alterations of Premises	549	(1)
Insurance	550	(1)
Damage or Destruction to the Premises	550	(1)
Obligation of Repair	551	(1)
Condemnation and Eminent Domain	551	(1)
Default	551	(1)
Landlord's Remedies for Tenant's Default	551	(1)
Landlord's Right to Perform Tenant's Obligations	552	(2)
Landlord's Lien	554	(1)
Grace Periods	554	(1)
Tenant's Remedies for Landlord's Default	555	(1)
Quiet Enjoyment	555	(1)
Surrender the Premises	555	(1)
Estoppel Certificate	556	(1)
Memorandum of Lease	556	(1)
Limitation on the Landlord's Liability	556	(1)
Assignment, Subletting, or Mortgaging of the Leases Premises	557	(3)
Special Sublease Issues	558	(1)
Provisions Normally Contained in a Sublease	559	(1)
Lease Guaranty	559	(1)
Checklist: Preparation of a Residential Lease	560	(1)
Checklist: Preparation of Commercial Lease	561	(2)
Ethics: Legal Needs of the Poor	563	(1)
Summary	563	(1)
Key Terms	563	(1)
Review Questions	563	(1)
Case Problems	564	(1)
Addendum	564	(13)
Estoppel Certificate	565	(1)
Short-Form Memorandum	566	(1)
Subordination, attornment, and Nondisturbance Agreement	567	(3)
Guaranty of Lease	570	(2)
Home or Apartment Lease	572	(2)
Small Commercial Retail Space Lease	574	(3)
Glossary	577	(8)
Index	585