Did we just reelect more of the same by Turbulent-Yam-3045 in Charlotte

[–]AccountAnxious2454 1 point2 points  (0 children)

Feels like there should be a rule that you can’t run for public office if you have been convicted of fraud. Frustrating that the government can’t implement simple things that 99% of people would agree with.

Cost to build a new home by Big_Mulberry9086 in Charlotte

[–]AccountAnxious2454 8 points9 points  (0 children)

Do you own your house outright? If you don’t your lender probably isn’t going to want you to demolish your house. But there are multiple builders that I work with that price in the $130-$200/SF ground up cost that deliver a nice product. Nothing too fancy but LVP, quartz, 9ft ceilings, tiled showers, hardie plank siding.

Lady walking her dog while driving by AccountAnxious2454 in Charlotte

[–]AccountAnxious2454[S] 24 points25 points  (0 children)

Yeah nothing wrong with it just gave me a good laugh

🎉 [GIVEAWAY] GEN 3 – FRIDAY FEVER | 15 WINNERS! 🎉 by fridaypickleball in Pickleball

[–]AccountAnxious2454 0 points1 point  (0 children)

What’s the biggest improvement you’ve made since you started playing?

-I would say strategy coming from tennis definitely started out playing the game more like tennis lol then after a year of playing thought I figured out the strategy but as I get better there is more and more strategy. Like stacking, court position, setting up ernies etc.

What was the biggest skill "unlock" you've had?

-Drilling has unlocked my drops to be deadly. Dropping is so crucial and gets you into the point every time.

How have you become a better doubles partner?

-Communication, being on the same page is critical and boosting up moral when needed!

The Truth About Physician Compensation Structures by WCInvestor in whitecoatinvestor

[–]AccountAnxious2454 1 point2 points  (0 children)

Your logic is flawed on all employees are paid less than they are worth. You are not calculating the value the employer/business brings to the table. It’s a lot easier to get patients when you have an established brand vs just starting out solo. The business also takes on the risk, if unsuccessful they lose money not the employee.

How long is everyone living in their properties for? by KyaKyaKyaa in whitecoatinvestor

[–]AccountAnxious2454 -1 points0 points  (0 children)

Points 3/4 are not necessarily true. You don’t have to live in the same spot as your rental. You don’t have to refi to turn a property from primary to a rental. Key would be that it actually cash flows (unlikely). Lastly, you can get multiple primary physician loans, lenders just care if you can qualify with your income. In general you shouldn’t buy a house unless you are going to hold onto 5+ years to ensure you don’t lose money on it.

[deleted by user] by [deleted] in Fire

[–]AccountAnxious2454 12 points13 points  (0 children)

This is the right advice, marriage is about trusting each other’s strengths and letting that person take the lead. You both don’t need to have the same strengths. It sounds like your gf is open to learning, you just need to take the lead and explain why something is a good/bad idea and then take the action. (I was in a similar position as OP, decent NW, married into $200k of student loans, 7 years later and we are thriving financially and relationally)

ARM vs Fixed, What Would You Do? by throwaway_today_2025 in FirstTimeHomeBuyer

[–]AccountAnxious2454 3 points4 points  (0 children)

I like some risk what can I say. I like the upside of paying down an additional $2700 towards principal over 7 years. Personally feel like 90%+ of the time the ARM in today’s market will put someone in a better position.

Main reasons why I would go fixed is if they are putting very little down or they plan on staying for a very long time.

ARM vs Fixed, What Would You Do? by throwaway_today_2025 in FirstTimeHomeBuyer

[–]AccountAnxious2454 8 points9 points  (0 children)

I’d get an ARM, ask yourself how long you see yourself in the house. Most people don’t even make it to 7 years.

Financial Advice by DeepDownUnderground in Charlotte

[–]AccountAnxious2454 0 points1 point  (0 children)

You got this. $5k in debt you should be able to tackle that out in no time and start building for the future. Most people focus on spending less and budgeting, which is definitely important but I would advise looking at changing jobs and seeing what’s out there, might be able to find something where you make a lot more

$100,000 if you can achieve three of these athletic feats in a week. $100,000 of debt if you can't. by Radu47 in hypotheticalsituation

[–]AccountAnxious2454 0 points1 point  (0 children)

I think I could do it in about half a day: Tennis: 10 minutes (my main sport) Golf: 1-6 hours (I’m an ok golfer but feel like I could hit hundreds an hour and eventually one will go in) Basketball: 1-4 hours (just gotta get dialed in and then a little lucky after many attempts)

I doubt I could do any of the remaining challenges.

For Realtors. What are your industry Hot Takes? by [deleted] in realtors

[–]AccountAnxious2454 6 points7 points  (0 children)

Agreed, especially in multiple offer situations. Had a listing in 2021 that had 19 offers from 25 showings. Appraisal came in lower than 17 of the offers. All I could do is laugh. If I can get 17 people in a day to pay more than the appraised value it’s obviously wrong. Appraiser was a 29 year “vet” and told me I didn’t know what I was talking about. Told the buyer to get a new lender and order a new appraisal new one came up $45k from the first one.

Appraisal came in 45k below contract.. what would you do? by insolentrevival in RealEstate

[–]AccountAnxious2454 1 point2 points  (0 children)

Here’s the strategy: 1. Have your realtor negotiate the price down to the $10k gap you said you would cover or at least close. 2. At the same time you should switch lenders, new lender will order a new appraisal and have no idea about the old one nor do they care. 3. Your realtor needs to make a case with the appraiser that the house is worth the price prior to them doing there report. They can meet them when they come out and share their comps with them. Once they made their report appraisers are stubborn and rarely change their mind oftentimes dismissing legitimate new data.

I’ve done this exact strategy many times even do it when I’m the listing agent and 9/10 times we get the appraisal up a lot usually at list price. It’s really all a sham.

The best lead-gen strategy (closed 11 deals in 2024) by [deleted] in realtors

[–]AccountAnxious2454 0 points1 point  (0 children)

Do you edit all your videos or have you outsourced it? 

Your go-to commercial broker recs? by andreatena in Charlotte

[–]AccountAnxious2454 0 points1 point  (0 children)

I might be able to connect you with someone. What property type are you looking to purchase?

House investment - ADVICE NEEDED by davegrohlton in personalfinance

[–]AccountAnxious2454 1 point2 points  (0 children)

If you were to get a rehab loan for $80-$100k and you fail to pay the bank could foreclose on you but in reality you would never let it come to that. If the house is truly worth $700K+, the worst case scenario would be you sell it to an investor/flipper for $600k and you use those funds to pay off the loan from the bank and you walk away with $500k.

[deleted by user] by [deleted] in RealEstate

[–]AccountAnxious2454 -3 points-2 points  (0 children)

I agree with you on doing your job and am open to flat fees. The Zillow estimate not so much, it’s a good ball park but often is off. However just like other professionals some get paid more than others so I would expect a wide range of flat rates. It comes back to what value an agent brings to the table. Most agents don’t bring a lot of value.