Calendar icon February 6, 2023

What MERV Rating Should I Use?

Is a MERV 8 filter, MERV 10 filter, or MERV 13 filter right for your home?

 

As you may know, we at Second Nature offer a selection of three differently rated air filters: Our Essential (MERV 8), Essential+ (MERV 10), and Health Shield (MERV 13). So, which one is right for you?

As you try to make this decision, you'll need to answer several important questions: What if I have allergies? How different is each MERV rating? What's the best filter if I have a pet? Will any of these filters make my HVAC system work less efficiently? Who got sent home on The Bachelorette last week?

In this week's blog, we have the answers to all of these questions and so much more. Don't be MERVous. After you finish reading, we guarantee you'll know what you need to know about MERV ratings so you can make an informed decision.

Already know what you need? Go ahead of check filters off your to-do list right now!

To kick things off, we'll give you a basic rundown of everything MERV.

  • What exactly is MERV?
  • How does the MERV rating system work?
  • What's pressure drop?
  • Essential MERV 8 Filter
  • Essential+ MERV 10 Filter
  • Health Shield MERV 13 Filter

What is MERV Rating?

MERV, otherwise known as Minimum Efficiency Reporting Value, is a system used to evaluate the efficiency of an air filter based on how effective it is at catching particles of varying sizes. Basically, the higher the MERV rating, the higher the air filtration capabilities of a particular filter.

How does the MERV rating system work?

Well, MERV ratings range from 1 to 20, with 1 being the lowest level of filtration, and 20 being the highest. Filters that are MERV 16 through 20 are usually only found in hospitals, cleanrooms, and nuclear power plants. The home air filters you're looking for have a MERV rating anywhere between MERV 5 and 13. We, however, do not endorse any filter that has a MERV rating lower than a MERV 8, and filters below MERV 5? We don't even talk about those.

Filters rated below a MERV 5 are basically the wet socks of air filters. Please don't use them and embarrass your air return like that. Your indoor air quality deserves better.

MERV ratings are determined by a filter's effectiveness at filtering particles of different sizes. Specifically, we're talking about 12 differently sized particles from 0.3 to 10 micrometers (µm) in diameter that were created in a laboratory environment. For reference, a human hair is about 50 µm, and the smallest particles that can be identified by the human eye are about 40 µm. These 12 particles are then divided up into three different size ranges (E1, E2, and E3), and four subranges that exist within each range. The first range, E1, includes particles sized 0.3 to 1.0 µm. E2 includes particles sized 1.0 to 3.0 µm, and E3 encompasses particles sized 3.0 to 10.0 µm.

The next step in the MERV ratings test? Each filter will go through six tests per particle size (72 tests total) to determine its MERV rating. In each test, the total number of particles in the test will be counted before being sprayed through the filter, and then counted again after. The end count compared to the total amount of particles is then converted into a percentage representing how many particles were successfully filtered out of the air. The worst percentage out of the six tests is selected as the official measurement used to determine a filter's MERV rating. That's where the minimum in MERV comes from. If we didn't use the worst score, it would just be called ERV, which is nowhere near as cool of a name.

Check out this chart below for more on E1, E2, and E3 particles:

 

Now, on to pressure drop!

What's pressure drop?

In simple terms, pressure drop is basically air resistance. Your air filter is a literal barrier between your HVAC system and your vents, and that slows the ability of air to get pulled through your vents to your actual system. How much your HVAC’s air flow is slowed by a filter is equivalent to its pressure drop.

Pressure drop varies based on the MERV filter. Filters that are more tightly woven make it harder for air to pass through. This creates a decrease in air flow and a higher pressure drop. As long as you have an air filter installed in your air return, there's no way to avoid pressure drop.

Even MERV 1 - 4 fiberglass filters have a pressure drop, though it is minimal. These cheap filters will have little impact on air flow at the expense of having little impact on air quality. The reason that pressure drop is so low for a fiberglass filter is because it is extremely porous and as a result, ineffective at filtering. Finer particles will have no problem at all getting through a fiberglass filter, and those that are larger will be filtered out less effectively than by a pleated filter.

Really fiberglass? C' mon, you literally have one job.

Pleated filters that are MERV 8 to 13, unlike fiberglass, can both filter out small particles effectively and diminish pressure drop (this here is as close to MERVana that you can get). Even though pleated filters do have a slightly higher initial pressure drop, it is not so significant as to cause any harm to your HVAC system, as long as you’re changing your filters regularly.

Be aware that as time goes on, more dirt, dander, mold, and dust will be trapped by your filter, reducing air flow and therefore increasing pressure drop. So, make sure you’re replacing your air filter regularly to prevent this from happening. A filter replacement every two to three months will do the trick to make sure your HVAC system sees no decrease in functionality.

Ok, now that we've got all of that covered, it's time to meet the MERV filters.

Essential MERV 8 Filter

First up, it's Essential, our MERV 8 filter.

What does an Essential filter out of the air? It takes care of all the basics: pollen, dust, dust mites, mold, and bacteria.

Who should own a Essential? Homeowners who don't live near smoke pollution and who don't share a household with any allergy-suffers or pets.

What's the filtration efficiency? To be classified as a MERV 8 filter according to NAFA (National Air Filtration Association), a filter must filter out at least 70% of E3 (3.0-10.0 µm) particles and 20% of E2 (1.0-3.0 µm) particles. Essential actually exceeds that requirement. In addition to 70% of E3 particles, it also filters out 30% of E2 particles and 1.9% of E1 (0.3-1.0 µm) particles. Since it is a MERV 8 filter, it isn't designed to catch the smallest of small particles that fall into the E1 category, like pet dander. In addition, after conducting standard dust tests, it was found that Essential had an arrestance rate of 81.5%. This means that 81.5% of dust particles fed into the MERV filter were successfully filtered out of the air.

Okay, so how about pressure drop? Our pressure drops tests were conducted at pretty standard air flow rates for the average HVAC system. At these rates, we found that Essential's initial pressure drop is around 0.024". This is very low, and barely different from the pressure drop of a MERV 1-4 fiberglass filter.

Try Essential

Essential+ MERV 10 Filter

Next, we'd like to introduce our Essential+ filter. This is our MERV 10 and mid-level MERV filter.

What does a Essential+ filter out of the air? Everything that the Essential does, so pollen, dust, dust mites, mold, and bacteria. In addition, you can say goodbye to that pet dander that's been floating around.

Who is a Essential+ perfect for? Pet owners, of course! Also, anyone who has mild allergies or is just looking for additional filtration.

How efficient is it? MERV 10 filters should remove at least 85% of E3 particles, 65% of E2 particles, and 20% of E1 particles from the air. Our Essential+ filter removes a minimum of 87.9% of E3 particles, 65.6% of E2 particles, and 24.4% of E1 particles. You know nothing much, just going above and beyond as usual. In the standard dust tests we conducted, Essential+ had a total particle arrestance of 92.5% (Sorry Lite, Micro's got you beat).

What about pressure drop? Our Essential+ filter has an initial pressure drop that's slightly higher than the Essential+, but not by anything significant as it comes in at about 0.03 WG. This is no surprise as this filter does provide an extra level of filtration.

Try Essential+

Health Shield MERV 13 Filter

Last, but most definitely not least, we have our Health Shield MERV 13 filter. This filter has our highest MERV rating.

What does a Health Shield filter out of the air? The answer to this, my friend, is a whole lot. For starters, it filters everything that a Health Shield does, which includes pollen, dust, dust mites, mold, bacteria, and pet dander. Then, it also filters out cooking oil smoke, smoke, smog, AND virus carriers. What else is left? We sure can't think of anything.

Who should own a Health Shield filter? Homeowners with more than one pet in the home and those who have severe allergies.

People that live in heavily polluted areas or experience smoke pollution in the summertime will benefit from a Health Shield, as smoke particles are very small and hazardous to your health.

How about efficiency? As specified by NAFA, to be labeled as MERV 13, a filter must successfully remove at least 90% of E3 particles, 85% of E2 particles, and 50% of E1 particles. Our Health Shield filter removes a minimum average of 97.2% of E3 particles, 85.5% of E2 particles, and 50.2% of E1 particles. As you can see, this filter is extremely effective. In standard dust tests that were conducted, our Health Shield filter had a total particle arrestance of 98.1% (Looks like we have a winner).

How's the pressure drop looking? Since it does provide the highest level of filtration, the Health Shield filter has the highest initial pressure drop at about 0.053 WG, which still should not pose any threat to your HVAC system.

Try Health Shield

Well, there you have it. Now you're a MERV ratings expert and the time has come to choose your fighter. Will it be Essential, Essential+, or Health Shield? Make your choice here.

 

Just an FYI, but filters ranging from MERV 1 through MERV 4 typically only remove less than 20% of E3 particles. One more time for the people in the back, anything under MERV 5 = very bad.

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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