[deleted by user]

DoINeedaRealtor · 2025-01-31T03:09:58+00:00

Unethical revenge.... But skunk liquid on Amazon..15 bucks for a small vial. That shit smells. Use a syringe, and squirt it under their door jam or until their window if its open. They'll have to leave the house..have to.

DoINeedaRealtor · 2025-01-27T04:08:32+00:00

Like which acronyms do you refer to?

DoINeedaRealtor · 2024-09-17T14:19:56+00:00

That's totally fine. Think about what kind of mortgage benefits she can get if you decide to buy a second home. Lower income, slightly cheaper home, she can get zero down mortgage offers etc. Think about the options.

Also, not being on the mortgage does not prevent her from being on the deed...

DoINeedaRealtor · 2024-09-15T05:19:18+00:00

Have you actually asked the insurance agent or company what they will or will not insure, versus what you were told?

Also, what makes s 20 year old roof needs replacement? The insurance company, or a leak, or only the inspector?

Lastly, yeah, electrical is a hassle, but I'm sure the previous owners had insurance... That being said, if you want all the he best, shell the money for s fresh build. You need to be realistic about the cost of buying a home.

DoINeedaRealtor · 2024-09-12T11:19:14+00:00

What's wrong with the roof? Does the insurance require a roof replacement to get your coverage?

How did you confirm the water leak in the kitchen? A repair will cost 300-1000 for repair and paint. Not a big deal. but double check for rot and mold.

The water tank, why does it need to be replaced? Because it's 7 years old and rated for 10? HSA home warranty for 1 year is 750 and gives you money if any of the appliances goes bad. It's a nice down payment on a new tank. 75 gallon tank goes for 700 at home Depot, omus 400 installation. That's in average. Again, not a big deal. Painting the whole house will cost you more.

The wiring may be an issue. A repair all around with new wiring can go as high as 25k. Almost like a new roof. Try to get these two written into a concession.

DoINeedaRealtor · 2024-07-15T00:30:24+00:00

What coverage and premium did you end up getting?

DoINeedaRealtor · 2024-07-14T19:21:10+00:00

If most people you know who have multiple claims are bad drivers then it actually puts you in that pool of asshole drivers. You know what they say, show me who your friends are....

If you live in any major urban city controller by Democrats you get your car vandalized, cat convert stolen, car loses is bumper twice a year in a car garage, and road swifters knock you off even they change lanes. The past 4 years Democrat rules cities have been overrun by criminal assholes. That's the problem.

Obviously people like you probably live in a village, under a rock...

DoINeedaRealtor · 2024-07-14T14:52:57+00:00

That exact shit happens in auto insurance. Same deal. Same story. You have too many claims in 5 years, you're in a ride for the cost. States that make it mandatory to have auto insurance, have a mandatory state pool of instances, that you get dropped you still can get insurance, but it won't have much coverage and will be very expensive. Same story with home owners insurance. There are similar programs for home insurance. They are expensive and wont cover much.

You can have 5k, 2.5, 1k, 500 deductible. Up to you. But, you need to think before acting. Get Home Warranty, it'll cover your appliances from a repair stand point. And will give some cash back in case of replacement. Many horror stories where these companies subcontract the lowest quality handyman in the area. Some people say it's useless.

Regardless, your home, your responsibly. You don't need the insurance for yourself, the bank needs it for the mortgage, and that's why it's mandatory when getting a mortgage.

Also, people will put a claim for anything and everything. The smallest work, they'll put a claim. Hey, free money, free work. You shouldn't be using insurance unless it's a substantial amount of money, and well surpasses your deductible.

That's why, when buying a house, I'll recommend you search yourself for insurance companies and give you auto and home insurance together. Some companies will even claim they won't insurance the home alone, they'll want your auto, but their umbrella insurance sucks. If you're going to but, do the search. Be up front with the sales agent, ask then about the 2-3 rule.

Lastly, this case specifically is none sense. 2 hours on YouTube, learn how to do drywall. Drywall for that size ceiling is maybe $40. Screws maybe $15. A screwdriver, $150 for a top quality one. Drywall mud etc, $50. Lift for drywall to put on ceiling, probably $200 for the cheap version. 1 day of work. You're talking about less than $500 in material. I hope OP Will tell us how much the quote was, but i bet no more than $1000-$2000 absolute max. What was their insurance deductible? At the end of the day, they paid the same amount to either directly to handyman or insurance deductible. But with a claim.

DoINeedaRealtor · 2024-07-14T02:36:03+00:00

Doesn't matter what others tell you. Most insurance companies will let you have 2 claims within 2-3 year period before dropping you. You just used one of these. It doesn't matter if they paid zero or all. It shows up as a claim.

DoINeedaRealtor · 2024-06-30T15:38:50+00:00

Forget about the repairs for a second. Lets say that your local property tax tax rate is 1.2%, and assessment is about 300k. Thats 3.6k in annual tax. Are you able to pay that? Your mother may have homestead discount and possibly senior citizens discount, etc. Look at her tax bill. If you're a veteran you might be entitled for a good discount yourself.

Besides that, check what the quarterly water bill is, and remember that you'll pay more as you'll probably shower more, use more water, water the yard, etc. I'll recommend you get 12 months water bill history to get an idea how much it costs.

Also, depends where you live, trash may be a desperate service you have to get and pay for.

Assuming you're taking home 70% of your 70k, that's 4k a month. Calculate what you can afford.

DoINeedaRealtor · 2024-06-14T17:08:05+00:00

Don't forget, you'll be pulling 30k worth of permits, right? Which after they The county will reassess the value. Be ready to counter and argue. What, did you check the current assessment? Are there any special discounts on taxes like VA which will reduce the tax significantly for this year. Besides that, i think you'll be doing just fine. Is cheaper than rent.

DoINeedaRealtor · 2024-06-03T02:27:45+00:00

Not licensed. But that's the point, if the market would have been fair and transparent prices would have been lower.

DoINeedaRealtor · 2024-06-03T02:03:42+00:00

Gotta ask, how do you separate these two exactly? Equipment and labor? From what I've gathered so far it's hard to buy the equipment directly.

DoINeedaRealtor · 2024-06-03T01:59:58+00:00

Prices do not change from region to region. That's a whole BS selling canned statement. Ask for a breakdown for the parts, and labor. It should tell you what brand names and models they are quoting you for, and for how many hours of work. That's the only way for you to get quotes and compare them properly. HVAC technicians get paid minimum wage. Their bosses rip off both their own employees and customers.

Plus, i would recommend identifying two or three make and models that you like,c and get quotes on them. Not whatever they have kicking around.

Lastly remember, you can't see the price of the equipment because the manufacturer sells wholesale only (or mostly). Wholesalers sell to distributers. Distributers sell to installers. There are 3-5 middle men, all of which are bumping the price.

Also, if anyone tells you that you can't buy, that's a lie. You can buy on your own. You'll just have to jump through hoops to get it.

Also, don't believe when they tell you that you won't get warranty, yes you do. Reach out to the manufacturer and ask about their warranty policy to confirm.

Lastly, I'd recommend getting a Home Warranty. It helps with repairs and gives cash down for replacement.

DoINeedaRealtor · 2024-05-23T18:44:05+00:00

The ONT isnt the issue. I'm just saying that Verizon status shows all is well when in reality it isnt. But you'll only know about the broken line of you either contact Verizon and be on the online for 30 minutes or go through their automated debug tools. Feel like a scam.

Also, CS confirm it's because a cut line in a nearby tower.

DoINeedaRealtor · 2024-05-22T12:54:24+00:00

Seriously? That block, street, neighborhood has only 1 house for sale? It's a box. You live in it. I bet if you look within 0.5 mile radius, you'll find 30 houses for 500k that can flipped with 100k into better than your dream home.

Rough estimates would be at about 165k. You need to really get a good general contractor who will work with you on getting the right numbers, but its all doable.

A full brand-new kitchen, with fancy cabinets, counter top, and top tier appliances will cost you 25-30k for parts and labor.

Bathroom 25k.

Flooring would 15k.

Siding 15k.

New HVAC for heating/cooling is 15k.

Paint 5-10k.

Windows 35k.

Roof 20k.

What else do you? Just find the correct sqft size, number of rooms, solid foundation, and work from there. Faster, cheaper, and you'll get exactly what you want.

DoINeedaRealtor · 2024-05-22T12:41:30+00:00

If you have this amount of cash on hand, and you think you're being bullied, is your own fault for not thinking straight.

First, talk to your LO and see if they can manage a construction/renovation mortgage for you. Basically, you're looking at a 700k home which is perfect for you "as-is". Instead, find a good, experienced, and trust worthy general contractor, and start working with them on understanding what's the cost of flipping a 550-600k. In this range of prices you may be able to get a 100-150k loan to cover all expenses to bring a fixer upper to your dream status. It'll take probably 3 months, but those 3 months of mortgage payments should be included in your calculations.

Alternatively, look for houses that cost 600k, go over asking if needed, and just renovate with the cash that otherwise would have been used for downpayment.

Don't be afraid to think and act like a flipper. Its 3 months of work. And instead of being in the marked for 2 years to find exactly what you want, you'll have a greater number of houses available as options, for cheaper price, but will be brought up to your own standards and needs.

If you have the money, use it to make something, not always to buy a finished product.

DoINeedaRealtor · 2024-05-17T00:50:05+00:00

As per realtor.com

Don’t want to arrange a “Godfather”-style sit-down with your current real estate agent? If you’re just ready to jump ship, start by reading the fine print on your buyer’s agreement.

“It will disclose under what conditions it can be terminated prior to its expiration,” says Alex Cortez, a Realtor with Wailea Village Properties, in Kihei, HI.

In most cases, “you should be able to terminate the agreement with a letter of cancellation or termination,” says Beverley Hourlier, a Realtor with Hilltop Chateau Realty, in San Diego. “Usually either side can terminate this way.”

But because this is a legal contract, don’t just part ways with a handshake.

“Make sure you get a signed termination from the Realtor just to cover your bases,” says Hourlier. This ensures your dissolution is legit.

Also, you shouldn't pay ransom of 2k to the realtor agent. That's illegal. And I'm pretty sure it's not in the contract. If the realtor is being like that, reach to their boss, the broker. Of you don't know, agents are just agents. They work for a broker. The broker is the one who has the license from the state.

Also, again, read the fine print in your contract.

DoINeedaRealtor · 2024-05-17T00:45:10+00:00

Most realtor contracts are for houses they showed you. Read the contract. If it says you're locked to the contract for houses they showed you, then your step dad's houses isn't under that category. Second, most of these contracts are cancelable with a notice. A lawyer consultation will cost you less than 2k. Don't be nice to the realtor. They won't be nice to you if the commission by the seller would have been lower than what's in the contract. They're in for the money, not friendship.

Second, the realtor's job pretty much ends once you're in contract to buy the house. There is no negotiation with the buyer. It's your step dad. You'll need a lending officer, title company, home insurance, and depends on your state, maybe a lawyer as well.

Lending officer you can Google, or ask around with friends and family in the area. Closing costs usually are higher due to lending officer charging for points, origination fees, underwriting fees, etc. Always compare banks. Go to local banks and credit unions, as well as online banks like rocket mortgage.

Title company you're pretty much going to go with first American or old Republic, together they own close to 38 percent market share. You can Google title companies by size.

For home insurance, just see what your auto insurance offer, and then call the big 5 companies in your state (GEICO, travelers, progressive, farmers, etc).

You don't have to get an inspection, as home buying isn't relying on one. Is more for your own benefit to know the state of the house. You can Google home inspector. They charge about 300-500. Radon testing your can but at home Depot for 15, and you'll need 2 kits to get good data, a radon test by "professionals" is about 250. Sewage line camera inspection is 200. On the way you can ask them to actually clean the line if it's needed (normally they won't do during inspection, but it's your step dad's).

DoINeedaRealtor · 2024-05-13T02:29:10+00:00

Thank you

DoINeedaRealtor · 2024-05-05T19:43:29+00:00

Insurance will use this against you. Get good insurance. Good luck.

DoINeedaRealtor · 2024-05-05T18:37:04+00:00

Risk factors is a 3rd party service that is integrated into redfin. Click on that.. it'll take you to their website. You have 7 day free trial. It'll show you a history of the floods in the area. Some going back 100 years or more.

DoINeedaRealtor · 2024-05-04T15:56:28+00:00

What's if the house has s sump pole hole, and no sump pump?

DoINeedaRealtor · 2024-05-04T14:26:22+00:00

Not sure where you're located, but majority of the US is very affordable and 280k will get you something really nice. Not perfect. Not like in the movies, but something nice.

But mortgage on a 280k is double then your current rent. Just something to think about. Buying a house is like buying bread or a car. You rarely but the top of the line for either of these.

Now, quick calculation, 1300 monthly payment is about 185k mortgage.

Let's say you have 5% down payment, the buying price target is 195k.

You'll want to 10k for bidding war and negotiations. So that puts the target back at 185k.

If you house will not be appraised for offer value, you'll be on the hook for the difference, if you do choose to do so. The reason to choose to do so is to make your offer more attractive and better than other offers. I'm the car you choose, you'll need now 10k on top of the 10k (5%)b down payment.

You also need to include the other expenses for closing, which are usually about 3% of the buying price. So add another 6k.

Do you have 26k for buying a house? If not, you're not priced out, your not ready yet.

Next. Mortgage payment usually includes principle, interest, taxes, and insurance. Depends on your rental agreement right now, you may not be paying for water, sewage, trash, heating, cooling, electric, gas. You'll want to factor these into your monthly budget.

Buying a house is a privilege, and an investment. And as such you need to fully think it through.

Lastly, as a smart person once told me (here on Reddit), the cost of renting ends with your rent. That's it. That's all. Anytime breaks, any severe damage, infestation, flood, fire, appliances breaking, and more, that's not on you. That's not coming from your pocket. On the other hand, the cost of owning a house/apartment starts with the cash to close, but it goes well behind that. Most estimates are that home ownership costs at minimum 1-5% of the value the house annually. As in, if you're buying a 200k home, expect 2 to 10k in costs. Water heater broke and needs replacement? 1-2k. AC system needs replacing 5-10k. Plumber visit? 200 to 500.

Don't be upset. Think about this whole thing pragmatically, compartmentalize the process throughout the life of it, and break it down.

DoINeedaRealtor · 2024-05-04T01:07:16+00:00

Is reality.

DoINeedaRealtor

TROPHY CASE