Hard value adding is simply the garden variety paint job or cosmetic improvements to the Real Estate in question.
Be sure you're clear on all the terms and that you know what the payment will be, how often it might change, how high it can possibly go, and what will happen if your payments are capped but the interest rate is not.
Real estate agent can be a person as well as a firm that helps you in selling/buying real estate.
The ability to match your needs with El Segundo neighborhoods and properties, experience in negotiation of price closing details and experience in El Segundo real estate closing procedures.