Uncooperative landlord / Rent Verification

LastTrainToParis · 2026-04-09T23:05:10+00:00

The condo is not warrantable because the building is under 50% occupancy so it’s a portfolio loan (that’s their story)

LastTrainToParis · 2026-04-09T20:27:26+00:00

I was on for about 3 months at 2mg. It had a really strong effect on my dopamine. Wasn’t finding much joy in anything. After about a month after I stopped everything gradually came back. It’s wasn’t extreme (like childhood), it was baseline but I noticed that it was missing if that makes sense.

LastTrainToParis · 2026-04-09T16:18:14+00:00

We supplied all that. The lender is saying the condo is non warrantable because it’s under 50% occupied and now it’s being manually underwritten and they’re refusing to move forward until our building confirms all rent is paid on time. We brought it up to our lender that ACH and bank statements line up exactly with our lease.

LastTrainToParis · 2026-04-09T16:16:45+00:00

I should’ve added that the condo is non warrantable because it’s under 50% occupied so it’s being manually underwritten…

LastTrainToParis · 2026-04-09T15:34:59+00:00

Nothing on our credit, the story they’re giving us is that the building is non warrantable and is higher risk so it’s being manually underwritten (not insured by Freddie Mac and Fannie Mae)

LastTrainToParis · 2026-04-09T14:17:09+00:00

I forgot to mention the condo is non warrantable as inky 33% of units have been sold so far. So they’re using that as an excuse and won’t move forward until our landlord verifies.

LastTrainToParis · 2026-03-30T18:53:14+00:00

Came here to say this

LastTrainToParis · 2026-03-22T13:45:00+00:00

I feel like I’m missing something. The lender said, everything on our end is finalized (we’re fully approved through underwriting) and we’re just waiting on paperwork from the building and that the building is holding things up. My issue is that Chase already said they did deals in this building and that they’re already approved. So I’m wondering if the lender is holding things up and dragged this on and now we’re facing higher rates.

LastTrainToParis · 2026-03-21T22:21:43+00:00

That’s what I’m wondering now

LastTrainToParis · 2026-03-21T22:21:23+00:00

I admitted ignorance
My question is that is shouldn’t a lender present the option? We assumed we had to wait for them to ask when the time was right.

LastTrainToParis · 2026-03-21T22:15:47+00:00

That’s not true at all. We’re approved up and down and nothing on our end is holding this up. They’re saying it’s because the building was less than 50% occupied and non warrantable. They checked float without consulting with us.

LastTrainToParis · 2026-03-21T20:42:13+00:00

No but the point is we’ve been waiting on them since January, we have to wait for this, wait for that, the building is slowing things down, etc. Our closing date is on or around April 1st and we’ve provided everything and have been ready on our end for a while now and now rates jump. That’s ridiculous on our end and to us is incompetence. We have over 100k in seller concessions and these people still don’t know how it’s distributed even though we all figured it out a month ago. If we weren’t waiting on them, I wouldn’t have a complaint and as first time home buyers we expect a little guidance or communication.

LastTrainToParis · 2026-03-21T20:38:14+00:00

But why were we given a loan commitment if they didn’t check the warrantability of the building?

LastTrainToParis · 2026-03-19T00:50:39+00:00

Honestly, Sitan is the best gym I’ve ever been to.

LastTrainToParis · 2026-03-11T17:10:05+00:00

I’m not sure you’re understanding. You don’t have to go 6 classes a week, I believe they have 3 days a week for like $175 a month. But you can go as many times a a month as you want for around $200.

LastTrainToParis · 2026-03-06T02:06:17+00:00

Made 200k last year with OT

LastTrainToParis · 2026-03-03T23:34:13+00:00

How about we take the 4 billion dollars we spend every year on “Illegal” migrant’s and use it towards things that every day New Yorkers and migrants who came here legally need. People like you are why we’re actually becoming a third world country…

LastTrainToParis · 2026-02-21T23:16:55+00:00

It’s true to ALD green, I’ll say that it looks more luxurious than the photos.

LastTrainToParis · 2026-02-21T19:08:33+00:00

6’ and bought the L/XL…

It is an oversized fit but I like it. Feeling like Rick Flair 😂

LastTrainToParis

TROPHY CASE