The worst seller: the guy that thinks his house is special because of the 'extra lot' or view. Real Estate |
- The worst seller: the guy that thinks his house is special because of the 'extra lot' or view.
- So, I messed up. I forgot to file a Residential Abatement for my property tax, which upped my tax by 500 a quarter. I can't file this form until after July 1 and by the time it's accepted, I will have overpaid by more than $2000. Do I have any hope of getting this back? (Mass)
- HOA Fine Issue
- Problems the CRE Industry Can Address with the Next Wave of Technology
- My sister and I inherited my mom's house in Missouri. It's in pretty bad shape, and we want to sell it ASAP, but we both live far away. What's the best way to sell a house "as is", and how to get started?
- [Article] A new startup will buy seniors’ homes—and let them live there for life.
- Attic Square Footage Question
- Lustron advice
- Selling House - Old Appliances vs. No Appliances? Bloomington, MN
- Possession Date
- [Austin, TX] Build first home?
- Buy or not? First home, moving in a year, affordable
- Why is every house listed well above the "tax value"?
- Is it free for agents to have their own Zillow profile they can edit?
- Interested in buying a home in a New York State Park - are there any special rules to owning property on state land?
- The Effect of a Raised Bed Garden on Pricing (NC)
- Advice (USA, Colorado)
- im sorry, my first home how to avoid pain?
- [DE] I just learned my childhood home is going into for closure, to be sold at auction in just a few weeks- am I crazy for considering buying it/how do I do that?
- Just one showing in 12 days. Priced too high?
- In escrow and BR number in MLS does not match BR number in public records - what to do?
- [CA] My Father (70M) is being taken advantage of via a post probate with extremely low appraisal values.
- First Commission Agreement
- [chicago, IL] buy or rent for single first timer?
| The worst seller: the guy that thinks his house is special because of the 'extra lot' or view. Posted: 29 May 2018 04:59 PM PDT [PA - Agent] I prospect for expired listing all day so I see this all the time, these seller never actually sell their homes, they just get pissed off at the dumb buyers that don't get it. Seller A: Guy has a 3 bedroom ranch built in 1954 on 1.5 acres. Has it in his mind that it's worth $350,000, not $200,000 like every other ranch on the street. Tells me all about the lot, and how someone could build a house there! Won't accept anything less than $350,000, it's got an extra lot... Seller B: Guy has a 90 year old house with all kinds of additions that have been added over the years to make it so you can get a glimpse of the city, like the $800,000 condos that were built 5 years ago and 2 miles closer to the city. This guys house is on the next hill away and you can juuust barely make out some of the city hotpots if you stand on the rickety makeshift observation deck that won't pass inspection. Guy wants $700,000 for this $100,000 house, says it's a steal cause the other houses with views are going for $800,000! Guys is hella pissed off to, probably cause everyone has called him nuts for the past 5 years. Both of these sellers will be leaving their houses toes first. Then the kids will sell it for 50% below ARV to an investor for cash. [link] [comments]  |
| Posted: 29 May 2018 02:52 PM PDT |
| Posted: 29 May 2018 04:03 PM PDT Hi All, Chicago, Il. I have encountered my first HOA issue. I received a notice in the mail today fining me $60 for failure to move my car from the garage during the scheduled power washing. Only issue being I don't own a car, have never registered a vehicle with the HOA and my parking space is outside, so even if I did it would not impact the power washing. I called the office (no answer) and sent an email. They responded saying it was an error and they would remove the fine. In the email I requested a letter be sent via postal mail verifying the fine has been removed. They did not mention this in their response. Is it out of line to follow up and firmly request that a letter be sent via mail? I get that mistakes happen but I've sent them my info (unit #, storage unit #, parking space #, pet info, guest parking tag, etc) twice since I moved in and they still seem to have an issue getting it right, so I am dubious that the charge will actually be removed. Thoughts and advice appreciated. Thanks! [link] [comments]  |
| Problems the CRE Industry Can Address with the Next Wave of Technology Posted: 29 May 2018 11:30 PM PDT The article covers the following three problems:
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| Posted: 29 May 2018 03:44 PM PDT My sister and I inherited my mom's house through a beneficiary deed, so it doesn't have to go through probate. We have not done anything or signed anything related to that, and I'm not sure if we need to. Is the beneficiary deed enough to sell the house? She owed $45,000 on her mortgage, and she also had a sub-mortgage owed to HUD for $17,000. Will this submortgage add any difficulty to the process of selling the house? Right now we are trying to figure out if we should spend our time and money trying to sell this house, and what the process looks like for doing that. The house is in pretty bad shape - there are no major structural issues that I know of, but almost every room would need new flooring, paint, and trim. The yard is quite unkempt as well with lots of shrubs, bushes, and trees around the property. My sister and I both live out of state, so we are not able to work on the house ourselves. I know this house won't sell for anything close to market rates for homes in the area, so I'm trying to figure out what a good price point is. I've tried looking for comparable homes, but everything I see on Zillow is in pretty good shape. Even the homes listed "as is" look a lot better than my mom's house. I think I've done about as much as can be done on the Internet, so I'm trying to figure out the best step to take next. Should I get an appraisal? Should we skip the appraisal and just talk to a real estate agent? Should we consider auctioning the house? I am going to go to the house in a couple weeks to go through some of my mom's belongings and sell some things and I'd like to take the opportunity to speak with someone about the house. We are also wondering about the mortgage. We have been thinking that we would pay this for a couple of months to buy us time to figure things out. Is this advisable? Will we run into any trouble doing this? If it turns out the house is worth less than $62,000, we want to get away from this house as soon as possible. All I can see in this situation would be to stop paying for any mortgage, utilities, etc and abandon it. Is there anything else we could do? Are there any consequences for doing this? To sum up my questions:
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| [Article] A new startup will buy seniors’ homes—and let them live there for life. Posted: 29 May 2018 01:53 PM PDT TL;DR: Startup will buy houses from old people and will pay for taxes and maintenance. Purchase will obviously be at a discount. Article: Is Grandma having trouble with her property taxes? A new Manhattan-based startup wants to buy her house and let her live there, for free, for the rest of her life. This makes sense as a business for a couple of reasons: For one, seniors have the nation's highest homeownership rate. Close to 80 percent of Americans over age 65 own their homes. At the same time, older Americans are increasingly likely to retire without the savings to see them through their twilight years. In 2013, median retirement-account savings for families age 56–61 was just $17,000—and even the mean, $163,577, is considered far below the recommended rate of 10 times your salary. Put the two together, and you've got the idea behind the startup, Irene. The company will even take care of property taxes and maintenance, so your grandparents don't have to clear out the gutters or risk falling into foreclosure. The trade-off: a sale price far below market value. "Millions of seniors who are homeowners have lots of savings in the house, but not outside," founder and CEO Fabrizio Tiso explained to me. "They're what's called 'asset-rich, cash-poor,' and as they adjust to retirement, their income reduces, and they can't afford the house." Slammed by a steep decline in pension coverage, smaller Social Security benefits, longer life spans, and higher health care costs, older Americans don't have enough dough. In response, they start working again, or downsize, or depend on their children. Yet the cohort has lucked out in the housing market. The percent of all home equity held by Americans over age 60 has shot up from 24 percent in 2006 to 41 percent as of last year, thanks to a persistent housing shortage that has driven up home prices in and around most big cities. Thirty years ago, banks started issuing reverse mortgages (or home equity conversion mortgages—HECMs) to solve exactly this problem, by letting seniors take out a loan against the value of their home. The amount you can borrow is determined by home value, market trends, and life expectancy, and calculated to ensure that the loan plus interest doesn't exceed the value of the house by the time the borrower has died. (Basically, the fewer years you have left to live, the more money the bank is willing to lend.) A wave of post-crisis HECM foreclosures led the Department of Housing and Urban Development to tighten up the rules, though most retirement-finance experts say the product is one that should be more widely used, not less. "I don't think it should be viewed as a risky financial instrument," argued Sarah Mancini, an attorney with the National Consumer Law Center. "It's a lack of understanding that makes people very cautious of going down this road." If anything, she said, it's possible HUD has made reverse mortgages too difficult to obtain, by restricting them to seniors with expensive homes. Just about 55,000 reverse mortgages were issued in fiscal year 2017. Tiso, who worked in retail banking and fintech at Boston Consulting Group before founding Irene last year, says he also heard about this problem firsthand. Especially in states with high property tax rates (like New Jersey, where Irene began operating earlier this year), just holding on to a house can require massive payouts every April. In many cases, Tiso said, seniors struggle not just to pay for travel or medical care, but for the expenses on the home itself. Tiso didn't have to invent this idea. The right to live in your house for the rest of your life is called a "life estate," and the IRS has tables that determine life-estate value (a function of home price and life expectancy). If you've got 15 years to live, the value of your life estate (think: 15 years' rent) might be more than half the value of your house. So when Irene makes clients an offer, the sum might be just half what the home would fetch on the open market. In return, though, the sellers get to live there for free the rest of their days. How successful is Irene so far? Tiso wouldn't tell me how many houses the company has acquired, though since Irene just got its seed funding a few months ago, it's safe to assume that number is low. It's a capital-intensive model, after all, and the payoff for each investment will be a long time coming. The model carries some risks, I was told by Julia Gordon, the executive vice president at the National Community Stabilization Trust. Having to call on a third party to deal with maintenance is one of the more unpleasant aspects of renting. But in other ways, she said, it's of a piece with a larger trend: More and more single-family homes are being purchased by investors as rental properties. There's a kind of morbid bet at work here. Tiso said Irene is a long-term property investor, but the company's financial fortunes are dependent on the well-being of its tenants. If a 70-year-old receives a $200,000 cash payout for the right to live until he dies in a $400,000 house but dies the next year, Irene has made a great deal. If he lives to be 105, the company is stuck paying for decades of taxes and maintenance. The more expensive your house, the more tempting the prospect of such a contract: Hugh Hefner actually sold the Playboy Mansion with a lifetime-rent clause shortly before he died. But these arrangements are common elsewhere too. Buyers use similar contracts to help seniors unlock home equity without moving out in France (a viager) and in Tiso's native Italy. Under the French system, buyers are prohibited from researching occupant health, and sellers have been known to act frail to obtain a good deal—springing back to senior tennis matches before the ink on the contract is dry. In sum, it's probably a good idea for some seniors—though one that can hardly measure up to the scope of the problem. Other concepts are bubbling up through public policy. "I'm a big fan of using home equity in retirement," said Alicia Munnell, the director of the Center for Retirement Research at Boston College. "The vast majority of people are not going to have enough." In wealthy Massachusetts, she said, high property values and taxes offer a grim prognosis to seniors. Her organization has proposed offering seniors a deferred property tax, which would allow them to pay off property taxes, with interest, when they die or sell their house. The more the options the better: America's aging population is going to need them. [link] [comments]  |
| Posted: 30 May 2018 03:16 AM PDT I have a partially finished attic, but it currently does not count towards the square footage of my house. What steps would I need to take to ensure this square footage can be added to the listing when putting my house up for sale? [link] [comments]  |
| Posted: 29 May 2018 10:29 PM PDT I recently inherited a Lustron home in St Louis, MO when my father passed away last year. I'm looking at my options with selling the place and everyone keeps telling me that a collector would pay a premium for it but I wouldn't know where to find someone like that. Any suggestions for the community? [link] [comments]  |
| Selling House - Old Appliances vs. No Appliances? Bloomington, MN Posted: 29 May 2018 10:48 AM PDT Selling our house in a hot market. Including all relatively new white appliances with it. The finished basement has a second set of appliances in the kitchen (electric stove and fridge from maybe the 80s) which are not beautiful, but they work fine. Our agent has recommended that we remove the stove. Is there any advantage to removing it/them? Seems like extra work and expense that we don't really need to take on in order to sell the place. Wouldn't it look worse to have empty space where appliances (albeit old ones) could be? Thank you in advance!! Bloomington, MN [link] [comments]  |
| Posted: 29 May 2018 06:48 PM PDT I've recently purchased a home in Columbus, Ohio. Due to the market conditions our realtor suggested we add 7 days after closing to the possession date. We closed early last week and our possession date is on the 31st of this month. The contract does not state a time of possession on the 31st. My question is what time should I expect the keys on the 31st and what do I do if the sellers remain at the residence passed the possession date/time. [link] [comments]  |
| [Austin, TX] Build first home? Posted: 29 May 2018 02:56 PM PDT Would you recommend purchasing land and building for your first home? Why or why not? - Newly weds who hope to save up and build their dream home on 5ish acres in a few years. And not purchase again. [link] [comments]  |
| Buy or not? First home, moving in a year, affordable Posted: 29 May 2018 10:14 PM PDT My partner and I finally live in the same city and are wondering if we should invest in a house. He is being paid way over average salary in the area. I am in grad school. Mortgage payments are less than our current rent by at least $200/mo. We have excellent credit and our car is paid off. The area is a close to a University and a number of graduate students live in the neighborhood. I think the only catch is we will move in 1-2 years when I finish my degree. We could alleviate this by renting the property until we are ready to buy a house wherever we end up long-term. It should be easy for us to find renters through connections with graduate students. Is this a bad/good idea? Are there other things we need to think about? The city and neighborhood has a lot of investment going on (tons of new apartment buildings and restaurants, coffee shops, breweries going in), but I have no idea how to assess whether home prices are likely to rise in the next few years. In short, any advice or discussion is greatly appreciated! Thanks! Location: Lansing, Michigan [link] [comments]  |
| Why is every house listed well above the "tax value"? Posted: 29 May 2018 09:22 AM PDT Currently looking to buy a house, or townhome in a my small rural Western NC town. One thing I found to be common was houses being listed for a LOT more than their tax value. These houses are all under or right at 100k. For example, I will see a house listed for $90k, go check the county GIS website with the house data. Tax/Market value of $65k. And this isnt just one house, its literally 75% of them. One $65k cottage was valued at 32k market/tax. And its been sitting for 398 days. I wonder why..... Im the kind of person that WILL NOT spend more than something is worth, so what the hell is the deal with these people? The townhome is the ONLY place ive found that was not a blatant rip off. And I only know about that because of word of mouth from the owners who have not listed it yet and wanted to let me know beforehand. [link] [comments]  |
| Is it free for agents to have their own Zillow profile they can edit? Posted: 29 May 2018 06:00 PM PDT Or what's the catch? Can't find much about it. If you don't want to advertise with impressions, but just want to be the only agent shown on the properties that you are listing, is it free? [link] [comments]  |
| Posted: 29 May 2018 05:27 PM PDT The state Park is Rockland Lake State Park. Are we able to put an addition on our home? Can we cut down some trees? Does the state have an environmental easement on the entire property? Are we responsible for paying additional taxes for living in the park? [link] [comments]  |
| The Effect of a Raised Bed Garden on Pricing (NC) Posted: 29 May 2018 01:24 PM PDT My problem is that it is possible we may have to sell the house within the next year and will definitely be selling it in the next 5 years. Will my garden positively or negatively effect the price of my house? What is the best thing I can do to make sure it is viewed positively? Details: I am in the process of creating a raised bed vegetable garden in my back yard. I have two beds in place and three more planned. It will create a private little corner towards the back of the yard and will have arbors over both entrances. I'm also planning a compost bin in the opposite corner, so I can share with my neighbor who also gardens. Currently it is mostly veggies and annuals with a few perennial herbs. I'm planning on eventually getting climbing flowers to go over the arbors and will probably be adding many more herbs. I'm also adding some lighting and if allowed to continue long enough a grape arbor that holds hanging chairs. Climbing flowers (probably clematis) will also covered the compost bin to make it pretty and less visually intrusive. I don't know if you need this information, but my neighborhood is in the $200k range, in a great school district, and is in an area that is currently growing. Thank you so much for your help! [link] [comments]  |
| Posted: 29 May 2018 11:54 AM PDT Hey all! I have owned a duplex in Colorado for about 5 years. I bought the place when I was about 20. Recently I found out that a decent portion of land (maybe 1/8 acre) that I thought I owned doesn't belong to me. While looking through my records I found mail from when I bought the place asking if I wanted to buy the land for $40k. I was looking at the lot lines and I did some research I found that several years ago the land was paritioned for some unknown reason. The partition isn't large enough to build anything larger than a shed on (it is very rectangular) and the person who owns it owns just that segment of land in between my neighbors house and mine. I have been maintaining the land (it is sloped and mostly wild grass) and flattened an area for a grill, and have long considered putting a fence around it. Is $40k a reasonable amount to ask for land that is completely useless to anyone except my neighbor or myself? It may be a fair price considering the cost of land where I am but seems ridiculous since it isn't useful land to anyone but my neighbor or myself. I think adverse posession is kind of weird and I would feel like I'm stealing someone's land; but I also wouldn't want to pay more than 10k for this land because it's pretty useless without signifigant development. Having said that it was disconcerting to learn it isn't mine. If I continue my use of the land, mowing it and using it for grillouts, would that constitute open and notorious posession, in your opinion? Has anyone ever had a similar situation and how did you deal with it? [link] [comments]  |
| im sorry, my first home how to avoid pain? Posted: 29 May 2018 11:28 AM PDT So ive put in offers on several cheap homes, in different states, checked tax history etc done some research, i just want to know things like: How do people avoid getting scammed? How do i find out about any liens? What steps are involved? im worried because a lot of owner/sellers live in other states from the properties eg home in Arkansas owner in Florida, i just dont know what can go wrong. I saved up working thousands of hours of hard work, if i got ripped off it would kill me. [link] [comments]  |
| Posted: 29 May 2018 04:06 PM PDT My mother called me last night, to tell me the house I grew up in was being foreclosed on and will be at a sheriffs sale in a few weeks. It was her and my fathers dream house my grandpa helped design, and various family members helped build. My Grandmom and Grandpops ashes are there, and most of the trees were planted by my Grandpop. The house was sold in 2004 for 470k, due to my mothers second divorce(after the one with my dad) and inability to keep up with it on her own. It is now up for foreclosure to be sold at a sheriffs auction. It has 400k listed as principal on the sheriffs sale- and I am confused if that means minimum bid? We could do about 300k I think and my mom mentioned that number somewhere(maybe the owners selling in a panic, is that a thing?) I am recently married, but have lived with my husband in his house in Middletown for several years- he has owned it for 3 years. We've talked a lot about a 5 year plan to save up and build our dream house. We make about 150k between the two of us, though in my case that should be going up about 10-12k each year if I keep doing things right. Our house we have right now is worth 300k, with 246k left to pay off. Between me and him we can scrounge up about 24k in cash without him having to touch his Roth IRAs, 22k he could take out without penalties(though we don't want to). Also my dad would be willing to give us a 25k advance on my inheritance(as he puts it). So atleast 50k we could put down instantly in cash, with our current house to be sold in a few months(it is in a good spot for selling). Our credit is great, 0 missed payments on anything ever. If needed my dad would also be willing to co-sign on a mortgage, though that would also be a plan b style thing. I am insanely lucky and my husband loves me so much he is willing to consider entertaining the idea and going through with it if it is feasible/possible. It would also save him 30 minutes a day in commute to his job, and me 30 minutes a week driving when I go to volunteer.(I work from home) It has almost everything we discussed in a dream home, privacy... nostalgia. And the location couldn't be better for us- I could see my nieces and nephews much easier and more often. My mom knows the neighbors and they are nice people with a pony, so- I really really want it. I want to do it, and I don't think this chance will ever come again. What do you guys think, is this a doable thing to be done in 2-3 weeks? How do foreclosures work? I've been reading up on them and still left feeling like I don't quite get the process. It says 10% down, which I feel we could do, and remainder within a month. I think it will be no issue to get that. I was reading about something called pre-foreclosure, can anyone tell me more about that and how it works? TL;DR Am I crazy, is this possible, how do foreclosures and pre foreclosures work? [link] [comments]  |
| Just one showing in 12 days. Priced too high? Posted: 29 May 2018 12:21 PM PDT I have a realtor selling my house. It has been on the market for 12 days now and have had only one showing. The showing I did have was through another realtor and the potential buyer had their mind made up over another house and mine was one of several they looked at. I thought initially the asking price was too high but my realtor said let's try it first. Should I be worried? Me and my realtor were about 20k difference what we should have listed it at.(Located in Tulsa,OK suburb) [link] [comments]  |
| In escrow and BR number in MLS does not match BR number in public records - what to do? Posted: 29 May 2018 02:26 PM PDT Location: LA/ Califonia I am 7 days into escrow and just got informed by my agent that the property which was marketed in MLS as a 2BR 2BA is listed publicly as a 1BR 2BA. I am being offered the option to engage with a permit consultant to review implications. As a newbie buyer I am a bit confused: - This seems generally on first view like a big deal; is that the case or is this rather common? - Does this invalidate the offer I placed on the unit? - Does the selling agent have a obligation to comment on the discrepancy / would have had an obligation to disclose ahead of time? Any input for a first time buyer appreciated. [link] [comments]  |
| Posted: 29 May 2018 10:07 AM PDT Hi r/RealEstate, thanks in advanced for reading this, I'll try to make it short and simple and provide details if needed. This is taking place in California. Short summary of background situation: My father inherited several pieces of land along with his sister from their parents. For the sake of being short, they do not get along at all. Because of this, the court appointed a trustee to sell the property who is a third party and has no relation to the family. There was also a trustee lawyer who was appointed by the court as well. Over the last couple of years, these 2 people have slowly been liquidating assets of the family trust which were mostly investments such as stocks, etc and have racked up a few hundred thousand dollars in their own bills for their time. Now the bulk of the estate is property. Over this same time period, the trustee and trustee lawyer had these properties appraised 2-3 times. Now they are getting ready to move forward with the sale of the properties. Present situation and advice needed: I believe as the trustee and lawyer move forward with the sale of these properties, they are doing so in a very well planned and fraudulent manner. It seems to me that the trustee lawyer is the one who really calls the shots. He is well networked with several land developers and has fought really hard to make sure he controlled the sale of the properties. I believe the appraisals he had done over the last few years are in itself fraudulent in nature. My belief is that the trustee lawyer had fraudulent appraisals done over and over to ensure a low sale price for the properties. I believe he is involved in a land grab scheme of some sort. As an example, during the housing crisis one of the pieces of land in question was valued at almost $9 million. Prior to the housing crisis, a developer had offered more than 12 million but it was contingent on them buying some acres from our neighbor as well. That neighbor didn't want to sell so the deal fell through. Fast forward to today and the trustee and trustee lawyer are trying to sell this same piece of land for less than $1 million. With that said, today our land is now surrounded by high end home developments, 10 years worth of new commercial development, new freeway developments, very prime location, with houses ranging from $700K to over $1 million each sitting on 0.3 acre average. At the end of the day, the court appointed trustee and trustee lawyer have somehow manipulated the value of this land down to $13,000 an acre compared to an actual offer of $244,000 an acre in the past. We are constantly being told that neither my father nor his sister have any say or control over the sale of the property. My father isn't in the best health and suffers from extreme depression. He is also represented by a lawyer based on a lump sum agreement who has advised him the same as above. It's also concerning to me on whether or not my fathers lawyer is representing him to the best of his ability or not. Year 1-2 when we first saw these low evaluations, our lawyer told us it was to get taxes down, this is not the case now as its literally going to be posted soon. TL;DR: Estate trustee and estate lawyer are severely underselling family estate and property to local land developers (possibly working together?). Is this common and what can we do to get the true value of the land ourselves or to show that their appraisals are bullshit? Any advice would be greatly appreciated. [link] [comments]  |
| Posted: 29 May 2018 05:10 PM PDT Commission section of the agreement reads as follows: "3. COMMISSION PAYMENTS. Broker will make commission payments to Agent based on 90% of Broker Commission up to $50,000.00 and 98% of Broker Commission above $50,001.00. This commission will be paid within four business days of transaction closing. Total is based on Year-to-Date Commission using calendar year starting January 1 and ending December 31." Is it correct to read I'll make $45k and broker makes $5k on first $50k? Then, 98% to me and 2% to broker for every dollar above $50k? TIA! EDIT: State of Indiana [link] [comments]  |
| [chicago, IL] buy or rent for single first timer? Posted: 29 May 2018 05:06 PM PDT I'm single and 32 years old, have a career that's pretty stable and I have about 100k saved for a down payment. Let's say I make 75k-100k a year (it fluctuates) and have absolutely 0 debt. I don't plan on moving in with a girl any time soon. Would be a few years from now, or longer. Children would be a distant thought, if ever, for me. I'm looking at properties between 180-350k My dilemma is that the housing market in Chicago is slow right now. I'm not finding much. Rents are dropping because of the influx of new rental properties. But, I'm in a really good position financially to purchase. And I do not plan on moving, ever. I will rent it out if I find myself with a family. If it's matters, I'm looking for a one bedroom in the east Lakeview, or possibly Lincoln park area. [link] [comments]  |
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