Calendar icon February 6, 2023

How Do I Know What Air Filter To Buy?

Pleated filter? Fiberglass filter? Electrostatic filter? Which one is for me?

 

Pop quiz. What is the best way to rid your indoor air of pollutants like mold, pollen, and bacteria?

  1. Napalm your entire home
  2. Walk around the house waving a disinfecting wipe through the air
  3. Vacuum the air with a shop vac
  4. Purchase the right air filter

If you chose D, you are correct. If you chose any other option, then we need to have a separate conversation.

An air filter plays a critical role in keeping the air in your home clean. In fact, it’s the most important item to your home’s air that you can purchase, and since your indoor air can be up to five times more polluted than the air outside (and no one likes breathing pollutants), you need a high-quality air filter.

There are a lot of different varieties of air filters that you can purchase. Given that the average person ranks air filters right around different types of cement and how cardboard is made on the list of things that interest them, it’s not surprising that many don’t know what makes a quality air filter “quality.”

Luckily, all you have to do is read this one article, and you’ll have the answer to that question. Then all you have to do is sign up for Second Nature once, and you’ll never have to think about some air filters ever again.

What type of air filter should I get?

Filters can only be made so many ways. For home filters, you have three options. You can buy a pleated filter, you can buy a fiberglass filter, or you can buy a washable reusable filter. Each type has its disadvantages, and two of them have their advantages, so let’s take a closer look at what those are.

Pleated

Pleated filters get their name from their filter media, which is the material inside the frame that is responsible for the actual filtering. A pleated filter’s media is folded like an accordion to maximize surface area. Previously made of cotton, the pleated filters of today are built with synthetic polymers that allow for effective filtering while minimizing the impact on airflow.

The advantages of pleated filters include their high filtering efficiency. High MERV filters are almost always of the pleated variety. The pleated filters work to capture an extremely high percentage of large particles and a much higher number of small particles than competing filter types.

Pleated filters are low effort and high functionality. The only thing you ever have to do is remember to change them out, and they’ll keep pulling gunk out of your air.

Fiberglass

Fiberglass air filters are the cheapest on the market, sometimes costing less than a single dollar. There is a reason they are so cheap, and it is because they are garbage. Yes, fiberglass filters are garbage. Fiberglass filters are the weakest option and are recommended by the National Air Filtration Association only as “prefiltering” devices because of how ineffective they are. Simply put, they are bad at their job.

There’s a myth that fiberglass filters are better for your HVAC system because they allow for more airflow. While they do allow for that, advancements in HVAC and filter technology have made the difference immaterial. The extensive amount of pollutants they allow to flow through can actually make them more dangerous to your system than the pleated variety.

The reason why fiberglass is often recommended is that people don’t remember to change their filter. As a pleated filter loads with pollutants, it can eventually decrease airflow to a critically low amount. Fiberglass doesn’t do this because of how woefully ineffective it is at actually catching particles. So as long as you’re regularly changing your filters, there is not a single advantage to the fiberglass option.

Washable Electrostatic

Washable electrostatic filters are metal-frame filters that are designed to be washed and reused instead of replaced. The price range for these is wide, with the most expensive ones entering the $90 range.

The advantage with these filters is their longevity. While they do eventually wear out, they can be reused for multiple years before that happens. The disadvantage is that you do need to wash them routinely and let them dry completely before reinserting. This can eat into your busy schedule as they don’t dry instantly, and if your washable filter doesn’t fully dry, mold growth can be a real issue.

Washable filters also do a poor job collecting large particles. Because static electricity is really the only filtering mechanism they use, they struggle to attract the larger particles that are more difficult to pull with a charge. Thus, washable filters tend to work in reverse of fiberglass as they let larger particles through and filter out smaller ones.

What quality of filter should I get?

After you know what type of filter is right for you, you need to know what rating is right for you. Filters can be rated on three separate scales. The scale used by us at Second Nature and the official folks at the National Air Filtration Association is the MERV scale, which stands for minimum efficiency reporting value.

The MERV scale runs from 1-16. Second Nature offers filters rated at MERV 8, MERV 11, and MERV 13, which are our Essential, Essential+, and Health Shield, respectively. Anything below an 8 is something that probably shouldn’t be in your home. Anything above a 13 is not necessary except for maybe in an extreme case, which is why we offer the range we do.

Other filter scales include FPR and MPR, which stand for Filter Performance Rating and Microparticle Performance Rating. FPR was a scale developed by The Home Depot for the brands that it sells. The scale ranges from 4-10 and includes a color code for each range. MPR was developed by 3M and, it ranges from 300 to 2800. The scale is based on the filter’s ability to capture particles under 1 micron in diameter and is only found on 3M Filtrete filters.


Here we have provided a conversion chart with MERV vs. FPR vs. MPR so you can understand what you’re getting if you decide to purchase from somewhere that rates their filters with one of those less popular scales.

merv, fpr, and mpr comparison chart

Deciding on what MERV rating is right for your home is a decision that must be made based on a handful of personal factors.

Are you an allergy sufferer?

More than 50 million Americans have some type of allergy. Allergies are everywhere, and if you’re among the millions of Americans who suffer from them, your filter can help you keep those nasty allergens out of your home.

The severity of your allergies will help determine just how critical filtration is for your home. If you have a significant allergy to something that is prominent in your area, you’re going to want to increase your indoor air quality with a Second Nature Health Shield filter (MERV 13) or equivalent level. More minor allergies or allergies to something that doesn’t exist in massive quantities around your home may allow for a drop down to a Essential+ filter (MERV 11).

Do you own pets?

Owning a dog or a cat introduces a whole new threat to your indoor air quality: dander. Dander is small flakes or bits of skin that fall off your furry friend when they shed, and some people are violently allergic to it.

If you are among that group, a Health Shield air filter is a must. Pet dander is small, and a MERV 8 filter is likely not sufficient for you allergy sufferers out there, and that fiberglass nonsense certainly is not. Essential+ and Health Shield will both be effective versus pet dander. If you’re allergic, get the MERV 13 Health Shield. If you’re not allergic, but you own pets, the Essential+ will work well for you.

Do you live in a polluted area?

Air outside your home will become air inside your home. It is inevitable. No matter how much weatherstripping you install or how well-sealed your home is, there will be particles floating around outside that will get inside. This is particularly important to remember if you live in areas that see a lot of air pollution from things like smog. Those of you in California, as you certainly know already, can get hit pretty heavily with photochemical smog in the summer. The state is often also hit with smoke pollution during wildfire season, which also runs through the summer and fall.

The particles that make up smoke are itty-bitty, smaller than a tenth of a micron. For perspective, you would need at least 3,000,000 of those particles lined end to end to equal one foot. If you frequently encounter smoke or smog around your home, a Health Shield (MERV 13) is recommended.

Still not sure what filter to get? Take our short quiz!

  1. Do you have allergies to pollen, dust, mold, or dust mites?

A. Yes, severe allergies (add 2)

  1. Yes, mild allergies (add 1)
  2. No (add 0)
  3. Do you own a dog or cat?
  4. Yes (add 1)
  5. No (add 0)
  6. Are you allergic to pet dander?
  7. Yes (add 1 if answer to #2 is A, 0 if B)
  8. No (Add 0)
  9. Do you live in a polluted area?
  10. Yes, very polluted (Add 2)
  11. Yes, slightly polluted and no smoke or smog pollution (Add 1)
  12. No (Add 0)

Answers

What size air filter should I get?

As the saying goes, there are three things you can’t pick: your parents, your name, and your filter size. That’s a real saying that we did not just make up eight seconds ago.

Simply, you need the filter size that fits in your air return. You can typically find that size on the side of the air filter that you already have in use. This size will be the nominal size, which means it is rounded from its actual size. This is the size you click on at secondnature.com.

If you don’t have a reference point from an old filter, you’ll need to use a tape measure and measure your vent. These measurements will be the exact size, and you’ll need to add ¼” to both length and width to get the nominal size.

If you have a filter that is four inches thick or thicker, you have a whole house filter. There is no rhyme or reason to how these filter sizes are rounded. Luckily, all you’ll need at secondnature.com is the actual size of the filter.

Buying an air filter isn’t always easy, and knowing what air filter to buy is the hardest part. However, if you have read this far, you’re good. So congratulations! Here’s an air filter gold star. You can print it out and tape it to your shirt if you want. You’ll probably get a lot of strange looks, but that’s not your problem.

Keep learning

Chambers Theory Endorses Second Nature’s Resident Benefits Package

Chambers Theory is a world-renowned property management team with clients in more than 30 countries worldwide. They specialize in serving the U.S. military, State Department, and Foreign Services families. Their motto “Real Estate With Intelligence” is more than just a saying. It’s on full display through the introductory videos for landlords and residents on their website in seven languages (Spanish, Portuguese, Italian, Vietnamese, French, Croatian, and English) - all spoken fluently by their own property management (PM) team. Since its founding in 2018, Chambers Theory has been achieving extraordinary performance benchmarks. They’ve led the marketplace in delivering the “Golden Triangle of Success” to their clients, which means the lowest vacancy, the highest average rents, and the highest quality of tenants of any property management firm in its same service area. They’ve also donated over $100,000 to local charities and community organizations, while also leading the way in promoting sustainability practices in real estate and property management services. Their outstanding team attributes their success to their ability to develop and utilize their emotional intelligence skills to capacity to care with all their interactions with both landlords and residents. That’s why they fully endorse the Resident Benefits Package at Second Nature! Find out more about what a Resident Benefits Package is, its benefits, and how it can help create a Triple Win for you, as well as your residents and investors. Related: The State of Resident Experience Report

Calendar icon July 18, 2024

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Investor Experience Platform™️ IXP™️

An Investor Experience Platform™️ (IXP) in property management is a suite of products, services, and benefits offered by property management companies to property investors. Just like a resident benefits package is a way to drive value for residents, investors, and property managers, the IBP™️ is an innovative approach to property management that focuses on driving value for an investor's assets and turning that value into profit for the property management company. In this article, we’ll dig into the different features that an Investor Experience Platform™️ can include, and how those benefit not just investors, but property managers and residents, too. What Is an Investor Experience Platform™️ (IXP)? As stated above, an Investor Experience Platform™️ (IXP™️) is a comprehensive suite of services that offer property investors higher quality property management, stability, and profit. An IBP™️ typically includes concierge-level services beyond basic property management – such as property insurance policies, eviction guarantees, rent guarantees, maintenance plans, asset performance reports, etc. These services are aimed at maximizing the investor’s assets, stability and convenience, profitability, and peace of mind in managing their properties. They're commonly managed through an investor experience platform to securely manage and monitor the performance of these assets online, which we'll discuss later. The first step to outlining an IBP™️ is to define what your basic management fee means and covers. If the answer is, it’s collecting rent, handling maintenance, and general communication – does that include maintenance coordination or is that a separate fee? Does it include asset reporting or is that an additional service? In your management agreement, define what the management fee is, what it covers, and how much it is. An IBP™️ can be an effective tool for articulating the new and differentiated things that an investor wouldn’t be able to do on their own and that you are offering beyond basic property management. Articulate your unique and differentiated services (IBP™️) and use that as a tool for positioning and charging for what it’s worth. What’s Included in An Investor Experience Platform™️? An Investor Experience Platform™️ should include a range of solutions to help deliver consistency, insight, and asset protection to a property owner’s portfolio. After all, professional property managers don’t have to be functional managers of a home – they can be strategic partners in the management of financial assets. You might hear services similar to the IBP™️ called an “owner benefit package,” but at Second Nature, we believe that the “investor” term is useful in encouraging a longer-term mindset, and emphasizes the economic value professional property management can bring. According to Eric Wetherington, VP of Strategic Initiatives at PURE Property Management: “As property managers, we need to think more like asset managers. This client made an investment, and we should be guiding that client through managing that investment, not just collecting rent.” To build and manage a winning IBP™️, property managers need an Investor Experience Platform that unlocks scalable product and service customization, digitized onboarding, accounting policy automation, and more. In addition, Investor Experience Platforms provide transparency and convenience for your investors. Here are some of the most valuable services that property managers can offer through an innovative Investor Experience Platform™️. Property insurance program Similar to offering a renters insurance program through an RBP in the lease agreement, property management companies can offer an insurance plan to investors to cut costs and ensure the safety of their assets. Most management agreements will include the requirement that the investor carries insurance on the property and that the property manager is additionally insured. But what if you as the property manager could help manage that for the investor – at scale? Property Insurance for investors should have dynamic pricing based on individual investors’s property portfolio and needs. The benefit beyond flexibility is the savings they’ll see on their premiums while also getting insurance that’s tailored to the needs of their specific property class. At Second Nature, we work primarily with single-family rental properties and small multi-family residences. Property Insurance Programs can bring scale that will drive economic value for the investor over what they could get retail on their own. They’d still have the option to go get their own insurance that meets requirements, but they can pay you a small fee to manage it for them. Rent guarantee An IBP™️ can include a number of financial guarantees to protect property investors and drive ancillary revenue for PMCs. A rent guarantee, or rent protection, ensures a consistent rental income to investors by protecting them against resident defaults or non-payment of rent. If a resident fails to pay rent, the property management company covers the unpaid amount and takes necessary steps for eviction or collection, providing financial security and minimizing the risk for property owners. Rent guarantees work for professional property management companies that have enough properties to balance the loss of rent if a resident doesn’t pay. The risk is low and the additional profit from fees for this guarantee can have a very high ROI, while driving satisfaction and stability for the investor. Plus, if you’re using services in an RBP to help incentivize on-time rent payments, you’ll rarely find yourself out in the cold. Eviction protection guarantee An eviction protection guarantee also goes beyond the normal scope of property management services and can be used as a secondary source of revenue. Eviction Protection is a service provided by property management companies to property investors that offers additional security and financial protection in the event of an eviction. Under this guarantee, the property management company assumes the costs associated with the eviction process, including legal fees and court expenses. It helps alleviate the financial burden on property investors and provides peace of mind by ensuring that they are safeguarded against potential losses resulting from resident evictions. The eviction guarantee helps protect property owners from the complexities and potential costs associated with evictions, ensuring a smooth and efficient resolution to tenant-related issues. Pet guarantees & other guarantees A pet guarantee is a service offered by property management companies to property investors that aims to address any potential issues related to allowing pets in rental properties. It typically involves implementing policies and procedures to ensure responsible pet ownership, such as thorough pet screening, pet agreements, and collecting additional pet deposits or fees. The pet guarantee may also include services like pet damage insurance or assistance with pet-related issues during the lease term. It provides property investors with a framework to accommodate residents with pets while minimizing risks and maintaining the condition of the property. For many residents, finding a pet-friendly apartment increases retention and profitability. They’re willing to stay longer and pay more for a pet-friendly place. And–get this–pet damage is less likely to happen than damage from kids! It’s not a huge risk to the asset, but can provide a big benefit in terms of satisfied, longer-term residents. Maintenance plan Home warranties are a four-letter word for property managers. They’re a massive headache to deal with, and yet there’s high demand for them among property investors. Because of that, most property managers charge a fee for home warranties, for each they have to file. Imagine if there was a world where home warranties weren’t needed. Here’s the thing: Professional property managers already have the vendor network and the know-how to coordinate maintenance jobs. What they don’t usually have is a product that’s priced to give the investor the experience they want. Let’s say right now an investor is paying $50 a month for a cheap home warranty. The warranty only covers 40% of issues and it creates all these extra people and friction in the middle. For anything moderately significant that goes wrong with a property, PMCs generally must contact the investor for permission to get work done. It’s all a massive hassle and loses time in maintenance requests that leave residents frustrated. What if there was a product that costs, say, $150 to $200 a month but it actually covered everything? Instead of having sudden expenses and emergencies, this maintenance plan smooths out the experience and makes it more predictable for the investor. For PMs, it means taking the initiative on fixes without waiting for approval. Imagine a world where you didn’t have to get owner approvals for 95% of maintenance issues – because they’re already budgeted for and already paid for. For residents, it means better maintenance, and faster. Another Triple Win! Asset performance reports Another piece focuses on property managers as asset managers. Think about any investment app, like Robinhood, Acorns, etc. You can log in to these apps any time, 24/7, and see how your stock and investments are performing. In most investment classes, you can see in real time how your assets are performing. Why shouldn’t property investors have that as well? An IBP™️ can include exactly that: a dashboard or online portal that shows investors regular reports on how their property is doing. They could get updates on the value of their home over time, the home price appreciation, rent price over time, and project rent growth, typically maintenance costs and how they’re doing against that, and more. Resident Benefits Package Another piece to include in your IBP™️ is to highlight the benefits of your resident benefits package to your investors. Explain how features like a filter delivery program protect their assets and reduce HVAC repair costs. Show how a renters insurance program can ensure coverage and protection. Give numbers on how credit reporting incentivizes on-time rental payments and helps ensure financially stable renters. Explain how a movie-in concierge saves both time, headache, and money. Each of the pillars of an RBP is critical to encouraging better resident behavior, increasing renter retention and lease renewal rates, reducing vacancies, and more – all primary goals for a property investor. A note about Rent Advance Programs There’s been due buzz about “Rent Advance” offerings, though many advise caution when approaching this financial product. It works in some ways like cash advance programs, which can satisfy urgent needs, but not be more valuable for anyone long term. The way it works is PMs offer to send a year of rent upfront to the investor in a big chunk, and collect monthly from the resident. The investor typically pays a 5-10% premium on the advance, which can be their entire expected return. So the question becomes, where do they put that cash to get a better return instead? Another thing to think about is who would actually use this product. Investors who don’t have enough cash on hand? How does that benefit anyone in the long run? What happens when there’s a big maintenance bill later? Does this encourage better decisions and practices by the investor? To date, there’s been pretty low adoption of this program, which is another sign it may not be hugely beneficial to everyone involved. But plenty of innovations start that way, evolve, and find traction. One case where it might be a value generator is if an investor is looking to take a cash advance and put it toward a down payment for another house. That would benefit the property manager as well, promising more business, and the PM could offer a lower rate for getting more properties to make the financing more attractive than hard money loans or other alternatives. The jury is still out here, it’s an interesting one to track. How Can Investors and Property Managers Benefit From an Investor Experience Platform™️? Investors and property managers can benefit from an Investor Experience Platform™️ in several ways. They’re also great for residents in the sense they build more stability and quality into the renting process. Here are just some of the benefits of an IBP™️. Enhanced investor attraction An Investor Experience Platform™️ provides incentives and advantages that can attract more investors. Financial guarantees and protections against the risks associated with evictions or late payments can increase stability, while services like a maintenance plan can ensure premium care of their property assets without increasing their workload. By offering attractive perks, property managers can differentiate their offerings and generate greater investor interest. Increased investor retention Both IBP™️s and RBPs help build loyalty with residents and investors. By fostering a strong relationship and demonstrating ongoing value, property managers can build trust and loyalty among investors, and retain them over the long term. IBP™️s help establish the stability, transparency, and asset growth for a real estate investment that an investor hopes to achieve. Improved property performance An Investor Experience Platform™️ can also contribute to improved property performance. For example, by offering discounted property management fees or access to professional services at reduced rates, property managers can help investors optimize their returns and reduce costs. Additionally, incentives such as rent guarantees or eviction protection can mitigate risk for investors and attract more capital to the property. Streamlined communication and transparency A well-designed Investor Experience Platform™️ facilitates effective communication and promotes transparency between property managers and investors. This can involve regular reporting on financial performance, property updates, and the sharing of relevant market insights. Transparent and consistent communication builds trust and confidence among investors, fostering a positive and long-lasting relationship. Competitive advantage A comprehensive Investor Experience Platform™️ can give property managers a competitive edge in the market. When investors have access to exclusive benefits and advantages, they are more likely to choose a property managed by a company that offers a compelling package – and to recommend it to others. Say hello to increased investment inflow and a stronger market position for your PMC. Should You Make an Investor Experience Platform™️ Mandatory? The first thing most property managers ask us when we’re talking about an RBP or an IBP™️ is: Should I make this mandatory for all investors or do I make it a flexible opt-in/opt-out program? Unlike RBPs, where best practices are more proven and established, different PMs are taking different approaches with their IBP™️s. Some have a mandatory level of service set at a flat price. Others may say they’re fine offering a base level of service without these differentiated products, giving investors the choice to simply pay a baseline management fee and opt out of the IBP™️ premium service. Some may offer a baseline to all investors and then give them the chance to opt in for premium IBP™️ services. There are a lot of ways to do it. With the RBP, we’ve found that making it mandatory does not generate nearly as much pushback as people expect – and can be a strong value add overall. Final Thoughts About an Investor Experience Platform™️ The Investor Experience Platform™️ is an innovative way to generate ancillary income and create more value for investors and residents. Similar to Second Nature’s premier Resident Benefits Package, the IBP™️ can deliver high-quality service for investor experience – and help create a triple win for investors, residents, and property management companies. The IBP™️ reinforces the value of a professional property management company for investors and helps differentiate you from the crowd. Stay tuned to learn more about the latest in the IBP™️ space, or learn more about how a resident benefits package can launch a whole new level of value for your PMC.

Calendar icon July 17, 2024

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