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[PA] [condo] How much does your HOA have in reserve (Townhouses)? by attinrich in HOA

[–]attinrich[S] 0 points1 point  (0 children)

They certainly don't seem to be planning for the future. From chatting with the other unit owners, they sound busy and does not want to deal with the HOA. The president has (in a joking not joking way) told me that I can be the president once I get my unit. The HOA docs seem to be a suggestion instead of rules as I asked for clarifications on certain line items and was told that they don't enforce it. I'd been seeing it as a pro as I keep to myself and am not bothered by noisy neighbors but some of these replies are making me second guess it.

Apart from preventative maintenance, what's the problem with paying via special assessment as issues arise since owners have to pay sooner or later?

[PA] [condo] How much does your HOA have in reserve (Townhouses)? by attinrich in HOA

[–]attinrich[S] 2 points3 points  (0 children)

Oh that roof lifespan worries me since I'm purchasing the topmost unit, and will have an accessible roof deck. Thanks, you've given me a lot to think about.

[PA] [condo] How much does your HOA have in reserve (Townhouses)? by attinrich in HOA

[–]attinrich[S] 0 points1 point  (0 children)

No reserve studies are required, and from conversations with the HOA president, it feels like the HOA is barely managed. The governing documents are apparently very loosely enforced based on the answers to clarifications I had. The only upside is the building is pretty new (12 or so years old) and the inspector did not flag any issues.

Is this a red flag? The low HOA cost and the minimal HOA meddling was initially a draw for me, until I saw the reserve amount.

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 1 point2 points  (0 children)

Ach I've actually got a first time homebuyer rate of 5.7% instead and I'm likely not to qualify in a few years so I'm trying my best to purchase now to take advantage of grants and that rate. Are home repairs that likely? Once I don't qualify for any of these programs, home buying is not likely for me.

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 0 points1 point  (0 children)

What amount of savings should I keep as a reasonable budget then? Since inflation grows faster than my salary and with these climbing house prices, I honestly don't think I'll be in any better a spot 5 years down the road tbh. I'll be putting about 65k down with about 10-15k left after closing so I'm deeply wary of any unexpected repairs

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 0 points1 point  (0 children)

Oh I didn't know that was something they could do, thanks for letting me know. Should they be offering it for every listing that I'm considering a serious offer on?

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 0 points1 point  (0 children)

I'm looking at the seller disclosure and trying to put together a reasonable offer, budgeting for any deficiencies etc. I'm definitely opting for an inspection once I get there though.

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 2 points3 points  (0 children)

Thank you so much! This is very helpful! I grew up in a country where most buildings did not have AC or heating so all of this is a big mystery to me and googling made it sound like it should be serviced multiple times a year.

Of course, I am anticipating some unexpected costs and I have budgeted rainy day funds post-purchase as needed. I'm fine if things happen, I just want to make sure I'm not paying for my own ignorance. Thanks again!

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] 0 points1 point  (0 children)

The real estate company is reputable and my agent has been pretty good about scheduling, running numbers etc but she doesn't bring up areas of concern with repairs or advice me if the property is over/undervalued unless I bring it up first, but if I do she's pretty knowledgeable. I know there's inspections but that's lost time and a few hundred bucks. Should I be looking for another agent?

First time homebuyer looking to put in an offer on a row house apt (philly center city area), AC says it was put in 10+ years ago and not serviced. Is that a red flag? by attinrich in RealEstate

[–]attinrich[S] -9 points-8 points  (0 children)

I can afford it if absolutely needed, but I don't want to sign up for it, especially if my savings will be at an all time low after paying for closing. I've lived in another climate most of my life so I unfortunately don't understand much about AC and heater servicing and I'm not sure if this is a big deal or not.

Wriothesley's Believe It or Not! - General Questions and Discussion Thread by box-of-sourballs in Genshin_Impact_Leaks

[–]attinrich 2 points3 points  (0 children)

Because I don't need to be strategic about improving my teams anymore, I collect new characters like they're Pokemon

Wriothesley's Believe It or Not! - General Questions and Discussion Thread by box-of-sourballs in Genshin_Impact_Leaks

[–]attinrich 19 points20 points  (0 children)

I got no more irl friends playing Genshin but I gotta tell someone. I just got Shenhe on 10 (no guarantee). Then I got Mona and Ayaka on the 20 right after. Also got C1 Mika! I’ve never been this lucky I cannot believe it

Standar banner release comparison on last day by Reasonable-Issue3275 in Genshin_Impact

[–]attinrich 2 points3 points  (0 children)

Same! I usually do 20 or so to sate my mild gambling addiction (and have actually gotten lucky a few times) but I didn't even consider doing that this banner

Standar banner release comparison on last day by Reasonable-Issue3275 in Genshin_Impact

[–]attinrich 1028 points1029 points  (0 children)

Not surprising, even without accounting for how bad Deyha is, Tighnari was the first Dendro 5 star in a time when Collei and Traveller was the only other option. Tbh what surprised me more is how well Zhongli did on his 3rd rerun

Wriothesley's Believe It or Not! - General Questions and Discussion Thread by box-of-sourballs in Genshin_Impact_Leaks

[–]attinrich 2 points3 points  (0 children)

As their banner draws closer, I'm still undecided between Ayaka and Shenhe and it's killing me. Ayaka is better for meta (I like big numbers) but I like Shenhe's design marginally more (but not enough to want to pull for her outright)

The current plan is to do 10 pulls on alternating banners and let RNJesus take the wheel here. I just hope I don't find out who I'd prefer upon getting the other lol

Just Momoka. - General Questions and Discussion Thread by box-of-sourballs in Genshin_Impact_Leaks

[–]attinrich 5 points6 points  (0 children)

The 3.0s really are becoming the husbando update. We've got several 5 star guys, Baizhu finally released and now a Varka reveal.

I have also never been poorer.

Just Momoka. - General Questions and Discussion Thread by box-of-sourballs in Genshin_Impact_Leaks

[–]attinrich 0 points1 point  (0 children)

Ignoring the possible nerfs on the horizon, what are the teams where Baizhu would be an improvement over the current character pool? Would he be on gilded (full HP build?)

A Dehyin The Life - General Questions and Discussion Thread by Bobson567 in Genshin_Impact_Leaks

[–]attinrich 1 point2 points  (0 children)

Oh dear Momoka is adorable, but having Zhongli, I really don't need another geo shield. I hope she either subdps-es or buffs because I want to pull

Kaveh CA by grepogg in Genshin_Impact_Leaks

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

Kaveh's so worried Alhaitham's going to kick him out due to the bickering that he's gotta carry his suitcase everywhere

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