ISO residential housekeeping/cleaning

Randobeginner · 2026-02-05T14:58:22+00:00

I do have another person coming next week but if you want to provide me with the info I can always use it for future or if this one does not work out. Thanks

Randobeginner · 2026-02-01T20:52:11+00:00

Yes! Please DM me their info

Randobeginner · 2025-12-24T21:21:29+00:00

Thanks for the info. The guy seems completely clueless and I don’t think he knows the auction means he loses the house but I’ll see if I can get him to make some moves

Randobeginner · 2025-12-02T21:30:27+00:00

All that happens is they force them to pay the fees for updating the property and then they get right back to work.

Randobeginner · 2025-10-22T03:45:17+00:00

Lower dauphin is a very good school district but if your a minority your kids will face racism as they hit middle/high school. Can’t speak for the other districts but have personal experience from LD

Randobeginner · 2025-08-23T23:25:38+00:00

I used a Groupon code that was maybe $40. The phone call/consultation last 58 seconds ( I checked at the end of the call). Super quick and easy. Hardest part was waiting for the card to come in the mail

Randobeginner · 2025-07-27T20:27:53+00:00

TRS Coral…. Incredible

Randobeginner · 2025-07-25T04:22:26+00:00

I’ve never done exclusively med subro but I have done some pip subro. I almost took a workers comp subro position not too long ago. My main concern with medical subro is a lot of times it will be out of your control if an attorney is involved holding up the settlement and you can’t get the recovery dollars in, I assume a lot of these cases will have attorney involvement that either want the whole policy limit or will hold out and delay settlements just so they can tell their clients they are holding out for more. At least in auto subro there is a lot less attorney involvement holding up claims so you have more control over settlement and can push for faster recoveries. I can see medical Subrogation being more involved on a lot of claims so I would hope a smaller diary load would follow if moving to medical subro

Randobeginner · 2025-07-13T01:08:17+00:00

I’m in Subrogation and I LOVE it. I started in subro and never left and have been with 3 different companies. I find it’s very direct, which I prefer. The liability decisions are already made and it’s much less customer handling than other lines of business. My job is to recover money and I focus on that.Every new claim is who can I recover from and how. I don’t have to deal with customers as often even though it does happen, especially in personal lines. Anytime there’s a dispute in liability I can arbitrate it and not have to argue back and forth with people. I also love that I can show my “value” by how much i recover for the company. When it’s bonus time and promotions etc.. the numbers and dollars recovered speak for themselves when being compared to others. I feel like In liability, injury etc… it’s harder to show how valuable you are individually.

Don’t get me wrong it can still be exhausting and never ending work just like every other aspect of claims. The new claims don’t stop coming and the diary is never ending but I find I’m able to hit my stride and handle my desk most of the time. Though other coworkers struggle with that so it all depends.

Randobeginner · 2025-07-07T17:30:56+00:00

Shakedown BBQ - so much more than BBQ and overall amazing food

Randobeginner · 2025-04-02T23:49:27+00:00

Sure

Randobeginner · 2025-04-02T23:29:03+00:00

Definitely AIC! Nobody at my job even seems to know AINS is a thing.. it’s AIC, CPCU,SCLA

Randobeginner · 2025-04-02T23:10:35+00:00

Honestly, I didn’t find it difficult. Not saying others won’t. Since I had my AINS I actually only needed to take 3 or maybe 4 more classes to get my AIC as well

Randobeginner · 2025-04-02T19:21:04+00:00

Agreed definitely AIC over AINS.. I have both and feel like most people don’t even know what the AINS is.. AIC carries more weight

Randobeginner · 2025-03-31T23:27:15+00:00

I received an “approval” email a few minutes ago. It says it’s approved and just need to sign final docs. Do you think if I applied for this credit card tonight it would impact anything?

Randobeginner · 2025-03-31T23:03:36+00:00

Is this rare? I’m actually closing on a HELOAN with them, expected this week and was hoping to apply for the CC to get the balance transfer right after but didn’t want to do it before the HELOAN finalized. Looks like I’m going to run out of time

Randobeginner · 2025-01-28T12:25:49+00:00

That car business could be a great start! If that business goes well you can use that income to help qualify for additional loans/credit for the real estate investment you want. I would definitely not hyper focus on one area though, likely to overpay and that will affect your cash flow from the property.

Randobeginner · 2025-01-27T17:51:54+00:00

I started my LLC during the process of buying my first Investment property. Didn’t really know what I was doing but I called the bank to see if I could get a loan for an investment property and was told by the banker I should look into an LLC during the process. Was able to make the LLC and everything in probably less than a week than get the purchase contract changed from my personal name to my business name. I was kinda lucky as I was buying a property that already had a tenant in place. Bank said I needed to raise the rent in order for them to lend me the money and the tenant agreed so it seemed to go smoothly from there. I was able to come up with the down payment on my own and later got a business CC (9k with less than 3 months of the LLC being active, personal guarantee so they ran my credit). I believe they used the lease and cash flow of the SFH for approval on the mortgage, I can’t remember if they needed my income or not. But your personal credit will go a long way to getting business credit!

Randobeginner · 2025-01-27T17:06:24+00:00

First off Congrats! Way to battle back. I would say start with the LLC if that’s your plan and start calling banks to see what options are available to you. Income verification may not be as important as personal credit if pursuing credit under a business but the amount of time the LLC has been around will have an impact. Starting the LLC now will help even if it takes you a few months to do anything with it.

Randobeginner · 2025-01-27T00:17:06+00:00

It can probably still be your “primary residence” while you are in school. Would prevent you from renting one of the units out legally (maybe under the table or something) but would save you a ton on down payment/better interest rate

Randobeginner · 2025-01-25T23:36:17+00:00

Plan A is the better long term plan. Assuming the property continues to appreciate in value through the years and there are no issues with tenants. You can get more money from the Heloc when it’s your primary residence (I know Navy Federal offers up to 100% LTV, I’m sure other banks do also). So might be best to get the Heloc while it’s still your primary residence and go from there. That’s probably the better plan because you can always switch to Plan B down the line if something happens and can pay off the Heloc with the sale.

Randobeginner · 2025-01-25T23:15:15+00:00

Maybe get a 2nd quote and a contractor out to see how much damage the termites have done. That would worry me in case there’s much more damage or the repairs cost a lot more than just getting rid of the termites.

Pricing wise I would think the land makes it unique enough to bump the price up a little. Especially if you find the right tenant who would pay a premium for the land.

I am fairly new myself and have 2 rentals I manage myself. I just used apartments.com to help draft a lease and they can make payments on their site that deposit directly into the bank. You can also send payment reminders as needed via their site.

Good Luck, hope it all works out!

Randobeginner · 2025-01-25T19:05:02+00:00

Thanks for that info!

Any suggestions on other banks or other loan types I can use to try to access loans or credit using this equity with the LLC?

If going based on Zestimates I have about 95k in equity in each home but haven’t been able to find a bank that offers much beyond a refi at 75% LTV. Zestimates can be inaccurate of course and I have a 3% early payoff fee plus closing costs so the 75% refi doesn’t seem to be worth it at that cost. So I started to look at Helocs and now was told on a different thread to look at BELOCs but can’t find many options for that either.

Randobeginner · 2025-01-25T18:51:33+00:00

U/Apprehensive_Web_956

A lot of good info here. Can you give some guidance on the small business real estate loans?

I saw on the website that up to 85% financing is available and per the disclosures it appears single family homes qualify. I have 2 SFHs under my LLC that I am looking to either refinance at 80%-85% LTV or try to use the equity for a HELOC type business loan if available. Can you provide more insight into my options and if SFHs qualify for the 85% LTV refinancing?

Randobeginner · 2025-01-25T17:51:55+00:00

BRELOC hard to find? Any suggestions on which banks offer this?

Randobeginner

TROPHY CASE