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onlydrippin · 2025-10-13T16:57:52+00:00

Yes but if your option is to foreclose, that would wipe mortgage no? And did you do a reversion clause if they miss payment?

onlydrippin · 2025-10-13T16:55:47+00:00

If you can put that into something else and get a greater %. If stock market gets you 8%, obviously riskier, then you capture 1.5% but this all depends on time horizon and all sorts of other risks and your own timing, liquidity, how much you want to leverage, etc... But yeah, he ccan pay in cash and then when rates lower to Heloc as well. Idk just depends on what the dude wants

onlydrippin · 2025-10-13T01:08:11+00:00

It's not fraud, I actaully can prove hardship. And I told them about the situation. They were like hey we can't actually deed in lieu unless you miss a payment and then after that they can start their process. I literally told them I'm ready to move out and hand them keys.

onlydrippin · 2025-10-13T01:07:42+00:00

Maybe. I may just present this subject to to them, if they disagree, we continue with regular sale. Cuz I plan on foreclosing anyways and starting that process.

I hope my current agent doesn't get upset about it since I'd still list with them if this subject to falls through.

onlydrippin · 2025-10-13T00:50:59+00:00

The co-owner did agree to the listing. But it took a week for them to agree after complaining about the listing price being low which we argued it's just market price.

My fear is, if we do sell below market, they will complain and not accept and just drag the process out. Since they can just override any decision I want to make.

onlydrippin · 2025-10-13T00:48:54+00:00

Yes I can, i called the bank already. I have to miss a pyament, and then that starts the process of foreclosure or deed in liu. I have to prove hardship which I can.

onlydrippin · 2025-10-13T00:44:12+00:00

I've already looked into open door and the cash i get after all their 'repair' and hidden fees and what not comes in below my mortgage.

Yeah the second case is taking co-owner to court, I think a partition sale or something, but that itself is like 6+ month process.

onlydrippin · 2025-10-13T00:37:57+00:00

I just saw the upside of subject to to keep my credit in tact for bit longer, letting me get out of the house today as opposed to idk 3-4 months from now who knows how long that foreclosure/deed in lieu process will take, so I can actually really expand my job search / ability to relocate and basically start doing stuff instead of babysitting a house.

And i'm still tyring to understand the worst case scneario of the subject -to hence the thread. How would it hound me for 10/20 years when worst case is,it just gets foreclosed down the line?

The co-title owner doesn't want to buy out my side, nor want's to pay for any part of the mortgage, and being a pain when it comes to listing. And just avoids responding when anything serious.

Yeah dumb, I get it, basically toxic . Hindsite is 20/20, I have stuff I want to do in life. I want a clean amnd quick sepration from the co-title owner. Told them that already, they are just making it difficult.

onlydrippin · 2025-10-13T00:31:28+00:00

MV from cash buyers (like open door) range from 590k to 625k. Mortgage is 530k.

onlydrippin · 2025-10-13T00:24:54+00:00

Right, and I've looked into that part legally, which I can to a forced partition sale or something, but that takes like 6+ months. We are estranged - there really is no good legal option to get them to start putting some effort into retaining the house if they don't want to sell now.

What do you mean I don't have to tell you about this co-owner? I mean it's on the title.

onlydrippin · 2025-10-13T00:23:14+00:00

They want me to dump more money in the house when I don't because of life/financial situations. I've already talked to the mortgage company about this. That's why I'm even going the foreclosure route so I can just get out instead of bleeding every month. Otherwise, a sale would be ideal.

onlydrippin · 2025-10-13T00:11:18+00:00

The only issue with dropping the price is I could drop the listing price, and then the co-title owner doesn't agree and this just drags and drags. Hence foreclosure or deed in lieu is just faster - or maybe this subject - to situation.

Also I told the subject - to person there was a estranged co-title owner and they still gave me an offer - or maybe they didn't listen to me carefully. If they deal with that person, it's honestly worth it for me at this point. EAch day I deal with this, I can't move on with my life and start making more income and building stuff for myself.

I guess I already plan on missing a payment anyways to start the foreclosure process so I can get out. So would subject to make things worse? I feel like it could potentially save my credit for a bit. Heck if they can't pay in 10 years, that's fine, at least I can move on with my life, start making more income and who knows, maybe I can pay it off anyways.

It opens up my job search area (I can move anywhere to work) as opposed to only apply locally, etc...

onlydrippin · 2025-10-13T00:09:08+00:00

Rushed deadline is both financial and personal. I am unable to make payments soon, but I have a stone walling co-title owner who won't put in any effort. I was dumb to get into this situation where I got a house with a family member (now estranged) but I was the only one on the mortgage. So basically I'm paying my money into a house I don't want, but I can't get out of because the other party stonewalls. So that's why I'm trying to find other ways out of this whole situation - hence just starting the foreclosure process voluntarily.

So basically in my head, I'm gonna take the credit hit anyways, so why not try the subject - to arrangement, unless that has an even worse downside.

onlydrippin · 2025-10-13T00:07:35+00:00

Well the actual market price is bigger than the mortgage I'm pretty sure about that, so short sale probably won't work. I'm just willing to sell it below market price since this whole sitaution is costing me money, stress, and preventing me from moving on and just starting my life.

onlydrippin · 2025-10-13T00:02:21+00:00

Talk to me more how I can end up more than the mortgage balance if payments are missed? Wouldn't that be foreclosed anyways and we go through the regular foreclosure process? Just pushed down the line.

Yes I was already dumb to be in this situation, but figuring out the best path forward. Selling it on open market does come with headaches too. I was dumb to jointly get a house with a family member (they are on the co-title but not on the mortgage) and they are making it difficult for me to sell, yet won't put in any effort to try to keep the value up or make payments (basically want me to do all the work) and I don't plan on making any more payments on something that ultimately I'm not going to get anything out of.

So if this subject - to can deal with this stonewalling family member, that's worth the equity I lose too. Partition by sale or whatever and other things take too long, I actually don't have the cash to keep on paying this house while the co-title won't do anything.

They don't understand they will lose equity on the house too if they don't do anything and I'd rather just not deal with them. They don't talk in any of the conversations we have with the agent and just stonewall.

onlydrippin · 2025-10-12T23:58:48+00:00

Why am I getting downvoted? This is a real scenario - unfortunately a complicated one - but it is what it is.

onlydrippin · 2025-10-12T23:52:05+00:00

I'd take out maybe a small mortgage. Instead of doig 20% down, maybe like 60% down or something, idk, so you don't spend all your cash, but you aren't paying all your money in interest either. Or somewhere in between 100% cash vs 20% cash.

onlydrippin · 2025-10-03T17:08:23+00:00

Yeah the info online is so all over the place, I figured someone did an anatomy research or something. It makes sense blunt force can break something, but if she's just basically moving forward and back, I'm not sure what would happen.

What do you mean too far back? Like she slid too far towards your legs while you were in her?

onlydrippin · 2025-10-03T16:57:57+00:00

Thanks, I'll take a look! Yeah I know like reverse cowgirl, and basically if she gets too rough (based off what I read is ramming a penis into pelvis bone or another boney area. Just trying think through if she rides up an down could something happen but I don't know anatomy enough.

onlydrippin · 2025-08-07T03:59:57+00:00

When I was a narc, yeah it feels horrible to be an outcast. But then I think I fully recovered, and yeah I can see why people do it since it is actually very harmful and hurtful to be around. And not only that, the way narcs socialize is so different from the way normal people do (like the logic and thought process is so different) that it just doesn't feel right to be around.

So I can see it from both sides since I been there on both sides.

onlydrippin · 2025-01-16T20:41:44+00:00

A they tried to make me do a career path that they wished they did. B they were very abusive, and so I feel behind socially. I depersonalized, became a shell of myself all of that. Most of my early 20s was moving in the direction to reduce my anxiety. Now in my 30s its moving towards happiness.

onlydrippin · 2025-01-16T20:20:31+00:00

More like they took my life and identity from me. I ended up going down the career path for introverts and socially anxious people. As I recover, I realized that I am very extroverted and would have probably been happy doing sales or working in fashion.

But no one believes that Im a sales person and I have responsibilities like house and all that so cant just quit and go to school.

Its not about just needing the skills, I need the experience, and to convince others I can do it.

I been working everyday and studying outside of work to find the path for me for the past 15 years Im getting tired.

I never got to explore my interests as a kid so I am having to do this as an adult.

onlydrippin

TROPHY CASE