The Bay Area Black and Gold Club originated with three guys and a 1987 Mean Joe Green Hall of Fame Iron City beer can. Back in 1992, a friend of Walt Pelc, named Dave, was coming to Tampa for a visit. They both met up at a local pub Called Murphy's and talked over old times while admiring a Mean Joe Green Iron City beer can, which Dave brought from Pittsburgh as a gift for Walt. Another Steeler fan in the bar, Steve Burrows, happened to notice the can and joined the conversation and the three decided that Briedy's Pub in Northdale would become their local hangout to watch the Steelers play right here in Tampa. Founding members of Bay Area Black and Gold Club The founding members of the Bay Area Black and Gold Club, Steve, Walt (Peck) & Mike. As word quickly spread to other local Steeler fans, the club steadily grew to about 150 members in just one season. Briedy's Pub was to change owners after the season but the newly established "Bay Area Black and Gold Club" decided to remain for one more year. The club then voted to relocate in 1994 to its current home, O’Brien's Irish Pub. The Tampa Tribune and the Pittsburgh news have recognized the Bay Area Black and Gold Club and the mayor of Pittsburgh has even dedicated a December game to us in recognition of our dedication to the Steelers. We try to let our “Pittsburgh family” know what we are doing here in the Tampa Bay area for those of us fans from the homeland of Pittsburgh as well as fans from outside of the 'Burgh.
Our Parent company, AOT Telecom was created for serving the business community that is looking for Voice and Internet Services, a true independent, non-biased approach and search for their telecommunications needs. Our organizations goals are to cut through the confusion, be fully disclosed about all options from Telecommunications Providers and eliminate any sales spin. AOT Telecom, has forged relationships with over 60 core Voice & Internet Service Providers and including Resellers and Regional providers our total is over 200 carriers. As a Customer Advocate you will be assured of getting the Best Options for your specific needs at the Lowest Cost with our Non-Biased approach. We have helped set up Hundreds of Clients and Thousands of Circuits in the Telecom Industry from T1s to Fiber, SIP Trunking and other Dialer Services. Our Clients save on average 30-50% over their current Solution and we have even reduced the Telecom Bills up to 80% for some. Since 2006, Mr. Adams has been helping Businesses Nationally & Internationally with their Communications needs and has served hundreds of small and mid-sized companies. Spending 5 years in the 2-Way Radio arena led to a natural progression to Landline Telecommunications the last 14 years, designing and implementing hundreds of Installations. His focus has always been to delight the Customer Experience and to improve their bottom line.
HSW is an integrated earth science and engineering firm providing proactive, innovative, and cost-effective solutions for Environmental, Water Resource, and Civil/Land Development projects. HSW has distinguished itself as a leader in the engineering and environmental industry by adhering to its philosophy of strategic, long-range, management of environmental issues. This successful philosophy revolves around a project organizational structure that includes one of the firm’s principals to maintain strict quality assurance, effective communication and senior leadership. HSW has successfully applied innovative strategies to technical and regulatory issues nationwide, resulting in substantial cost and time savings. This approach assures our clients of the best possible service and value and is a key reason that over 90% of our work comes from previous customers. This same approach has also been integrated into our Water Resources and Civil/Land Development Practices. Incorporated in the State of Florida, with offices located in Tampa, Orlando, Sarasota, and Gainesville, Florida, HSW was founded in 1988 by three professionals with experience in earth science, environmental, and engineering disciplines. Staff members have backgrounds in engineering (chemical, civil, environmental, electrical, and mechanical), geology, hydrogeology, soil physics, hydrology, hydrologic (groundwater and surface water) and solute transport modeling, chemistry, ecology, toxicology, GIS and mapping. All professional and technical staff members, including the principals, maintain focus on their areas of practice and client relationships. HSW provides expertise in the following three service areas: Civil/Land Development HSW specializes in facility and site design and development and utilities master planning including a full suite of engineering services and associated surface/storm water management analysis, permitting and design; storm water and hydraulic modeling; roadway design, wetlands delineations and assessment, wildlife surveys, and mitigation. As combined effort of the civil and environmental work, HSW provides specialized engineering in the design and construction oversight of military training facilities, both domestic and foreign. These facilities include maneuver ranges, training support centers, command training centers, live fire shooting facilities and ranges (small arms, heavy weapons, and armor), and urban and combat assault facilities. Emphasis on outdoor facilities is on environmental sustainability. Water Resources Our staff is also experienced with the planning, management and development of water supply needs/sources; water treatment and water conservation programs such as safe aquifer yield determination, establishment of minimum flows and levels, water distribution system design and optimization, watershed modeling and flood area delineation, storm water conveyance, environmental remediation evaluation, design & optimization, environmental forensics, nutrient and sediment transport, and estuarine systems. Environmental HSW staff have extensive experience performing pre-acquisition site assessments (Phase I, Phase II, and III ESAs); determination of complete characterization of groundwater, soil, sediment, and surface water contamination; design, construction, and maintenance of remediation systems; design and implementation of groundwater and surface water monitoring programs; preparation of permit applications; performance of statistical trend analyses of water-quality and water-level data sets; ground- and surface-water flow and fate and transport modeling; Title V and Non-Title V air emission permitting; wetlands delineation and mitigation programs; and expert testimony in litigation cases.
The Bay Area Black and Gold Club originated with three guys and a 1987 Mean Joe Green Hall of Fame Iron City beer can. Back in 1992, a friend of Walt Pelc, named Dave, was coming to Tampa for a visit. They both met up at a local pub Called Murphy's and talked over old times while admiring a Mean Joe Green Iron City beer can, which Dave brought from Pittsburgh as a gift for Walt. Another Steeler fan in the bar, Steve Burrows, happened to notice the can and joined the conversation and the three decided that Briedy's Pub in Northdale would become their local hangout to watch the Steelers play right here in Tampa. Founding members of Bay Area Black and Gold Club The founding members of the Bay Area Black and Gold Club, Steve, Walt (Peck) & Mike. As word quickly spread to other local Steeler fans, the club steadily grew to about 150 members in just one season. Briedy's Pub was to change owners after the season but the newly established "Bay Area Black and Gold Club" decided to remain for one more year. The club then voted to relocate in 1994 to its current home, O’Brien's Irish Pub. The Tampa Tribune and the Pittsburgh news have recognized the Bay Area Black and Gold Club and the mayor of Pittsburgh has even dedicated a December game to us in recognition of our dedication to the Steelers. We try to let our “Pittsburgh family” know what we are doing here in the Tampa Bay area for those of us fans from the homeland of Pittsburgh as well as fans from outside of the 'Burgh.
Founded in 2015, Cooperative Real Estate is founded on the belief that average real estate agents and brokers can be trained and coached by others to become the dominant performers in their respective areas. Take a look under the hood of Cooperative Real Estate and see why we are "technically" the best real estate company on the planet.
Tampa, FL - Welcome to AHL Hard Money If you've got the equity, we've got the loan! Good credit, bad credit, less than perfect credit or no credit? We are your one stop shop for all of your Florida hard money, subprime and equity based residential and commercial real estate loan needs. With our office based out of Tampa, Florida, we can assist you with any real estate loan transaction in any of the Florida counties and cities. If you want to purchase or refinance a residential or commercial property, let us assist you with getting the funding you need. If you are a Realtor, Real Estate Auction Company or Real Estate Investor, we can assist your potential customers with the financing for their purchase that they may not be eligible for through conforming bank loans, FHA and conventional lending sources. We have been very successful at closing Bank REO's and short sales for customers purchasing primary residences and investment properties. If you have some credit issues, but have compensating factors, you can still qualify for a purchase. If you are overwhelmed by credit card debt and low credit scores, but you have a property with equity; you can still qualify for a refinance. Also, we offer specialized programs for high profile borrowers with unique needs and situations. If you are a professional athlete (NFL, NBA, NHL,MLB, etc.), celebrity or entertainer with a Florida Trophy Home, we can assist you with the discretion that you are looking for. Contact us today to discuss your Florida hard money loan and sub prime loan needs. We have a large network of banks, lenders and private investors, which allows us to make many loans that others cannot. Hard money loans and sub prime loans are our specialty and we strive to structure a loan that fits your needs. WHAT'S HOT!! Foreign National Investment Properties up to 50% - Purchase or Refinance Investment Properties - 5 or Less Units up to 50% Owner-Occupied Purchase up to 70% of the Purchase Price (Cannot have any current mortgage delinquency, recent short sales or recent foreclosure) Owner-Occupied Refi Debt-Consolidation up to 70% of the Appraised Value THE BASICS: We do 1st Mortgages ONLY. Loan amounts from $10,000.00 on up. Maximum Loan To Value range of 50% - 70%, depending upon each transaction. (Ex. For purchases $100,000.00 purchase price & $125,000.00 current value - maximum loan amount of $50,000.00 - $70,000.00 based off of the purchase price OR for refinances $100,000.00 current value - maximum loan amount of $50,000.00 - $70,000.00). The 70% LTV's are lender loans and 50% LTV's are private investor loans. No Upfront Origination Fees. Close on most transactions in 14 days or less. PROPERTY TYPES: Residential: Single Family Residence, Multi-Family, Trophy Homes, Condos, Townhouses and Mobile Homes/Manufactured Homes: Single-wide and Double-wide (no age or maximum acreage requirements, but must own the land it is on). Commercial: Office Complexes, Retail Strip Centers, Mixed-Use, Apartment Complexes, RV Parks, Mobile Home Parks, Hotels/Motels, Restaurants, Nightclubs, Convenience Stores, Self-Storage Units and Churches. Industrial & Marine: Case by case basis. Call For Details. LOAN TYPES: Purchases: Foreign Nationals, FHA & Conventional Fallout, Short Sales, Bank Owned REO'S, Real Estate Investors, Blanket Loans/Cross-Collateralize Properties and ARV (After Repaired Value - case by case). Note: Loan Amounts are based off of the Loan To Value of the Purchase Price, not the Current Market Value. Refinances: Foreign Nationals, Free and Clear Properties (No mortgage on the property), FHA & Conventional Fallout, Blanket Loans/Cross Collateralize Properties, Debt Consolidation, Discounted Mortgage Payoffs and Settlements, Payoff Credit Cards, Payoff Delinquent Property Taxes, Property Tax Deed Sales, Payoff IRS/State/County Liens, Payoff Judgments, Bankruptcy Buyout, Purchase Additional Investment Properties, Working Capital, Settle Credit Card Balances and/or Collections, Foreclosure Bailout (case by case) or you just want to get some cash out. LOAN DOCUMENTATION: Full Documentation: Required for a large majority of the loan transactions. Lite Documentation: Single Family Investment and Multi-Family Investment properties for Tampa Bay surrounding area and South Florida. No Ratio: Single Family Investment and Multi-Family Investment properties in Florida. OCCUPANCY TYPE: Owner-Occupied Residential: Full Documentation ONLY. The Debt To Income Ratio must be below 50% (Ex. You make $4000/month gross, then your payment for Principal, Interest, Taxes, Insurance, Credit Card Payments, Installment Loans, Student Loans, Child Support, etc. cannot be great than $2000/month). A lower Debt To Income Ratio may be required, depending upon your gross monthly income. Escrow accounts MUST be set up for Property Taxes and Homeowners/Flood Insurance. Second Home: A bona fide Second Home. Must make sense as a secondary residence (distance from primary, resort, waterfront, lakefront, etc.) Non-Owner-Occupied/Investment Properties: Residential properties used strictly for investment/business purposes. Non-Owner-Occupied and Owner-Occupied Commercial: Commercial property used for investment/business purposes or Owner-Occupied business purposes. SPECIALTY LOANS: Land/Lot/Acreage/Farmland Loans: Up to 50% maximum loan to value, MUST own a primary residence with a minimum of 50% equity, a first mortgage lien will be placed on the land/lot/acreage AND a junior lien will be placed on the borrower's primary residence. The maximum loan amount is $100,000.00. The loan proceeds can ONLY be used for debt consolidation or bona fide payoffs, which must be paid for at the closing. A maximum of $1000.00 will be directly disbursed to the borrower at closing. There is absolutely NO flexibility to this loan structure. THINGS WE DON'T DO: Second Mortgages, Personal Loans, ARV ( After Repair Value), Credit Lines, Home Equity Line of Credit, Business Loans or Un-Secured Real Estate Loans. Call with question 813-658-0911
Our Parent company, AOT Telecom was created for serving the business community that is looking for Voice and Internet Services, a true independent, non-biased approach and search for their telecommunications needs. Our organizations goals are to cut through the confusion, be fully disclosed about all options from Telecommunications Providers and eliminate any sales spin. AOT Telecom, has forged relationships with over 60 core Voice & Internet Service Providers and including Resellers and Regional providers our total is over 200 carriers. As a Customer Advocate you will be assured of getting the Best Options for your specific needs at the Lowest Cost with our Non-Biased approach. We have helped set up Hundreds of Clients and Thousands of Circuits in the Telecom Industry from T1s to Fiber, SIP Trunking and other Dialer Services. Our Clients save on average 30-50% over their current Solution and we have even reduced the Telecom Bills up to 80% for some. Since 2006, Mr. Adams has been helping Businesses Nationally & Internationally with their Communications needs and has served hundreds of small and mid-sized companies. Spending 5 years in the 2-Way Radio arena led to a natural progression to Landline Telecommunications the last 14 years, designing and implementing hundreds of Installations. His focus has always been to delight the Customer Experience and to improve their bottom line.