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    Friday, September 25, 2020

    Real estate agent using photos of my house to sell a different listing Real Estate

    Real estate agent using photos of my house to sell a different listing Real Estate


    Real estate agent using photos of my house to sell a different listing

    Posted: 24 Sep 2020 09:12 AM PDT

    I live in Chicago and own a home on a street where a developer has built several similar-looking town homes. Recently, I found out that a real estate agent has made a listing for one of the similar town homes where the cover/main photo is of my house and not the actual home for sale. I found this out because several people had been walking into my yard/ringing my doorbell looking for his listing and it has become a nuisance. When I emailed the realtor asking him to remove the photo of my property, he told me he was using the photo of my house because it "looks nicer" (I have a done a lot of work on landscaping and flower boxes, it is also on the end of street where the windows are unobstructed by other taller buildings, unlike the house he is trying to sell) and that he "didn't have any photos of the front of his house" (a lie, because I found photos taken of the actual house buried in a slideshow on his redfin listing.)

    I replied back with a simple, "I am not okay with this, please use photos of your own listing" and he sent me back a rude email telling me to "fix my front gate if I didn't want people wandering into my yard." Do I have any options to get this person to stop using photos of my home? I know that photos taken from public property are public domain (the photos are taken from the street in front of my house,) but he is using them for commercial purposes and I also believe they are an invasion of my privacy since they include an address right next door to mine.

    submitted by /u/chitownerson
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    Close tomorrow!

    Posted: 24 Sep 2020 07:11 PM PDT

    We haven't had quite the rough road of a lot I've read here but it wasn't smooth sailing. We bought our current house as a foreclosure seven years ago. We were young and broke but needed a house so we bought it. Seven years later it still needs a good bit of work, enough that it is a cash buyer investment since it needs roof repairs. (My house wouldn't get the money back if I did it and then sold, needs siding and other issues.). The roof won't make it another winter so we need to move now which we all know is a horrible position to be in with this market. I live in a high poverty area so thought we'd be OK, not so much. Very low inventory in a 15k person town being the biggest issue.

    Middle of June listed my house and began looking.

    Almost immediately put on a back offer on a home, it sold to the original offer.

    Couple week later put in another backup offer that was also pending when we first started looking. This one dragged on for a month. Initial tour was told contract ended the next day so put in full price offer. Next day we were told they gave them an extension and we let it go. Several weeks later at 9PM my realtor calls and asks if we are still interested. We are and at 11PM we have a deal. The next day the clear to close was finally obtained by the buyer and sold. Our realtor was livid as were we.

    Continued looking with nothing catching our eye. However we did receive and offer on our house. Being a that we need a cash buyer in a cash poor area we really wanted to make it work but needed somewhere to go. Found a house my wife loved that I didn't. As in I really didn't at all. I went the next day and was poking around the property. My realtor called and said she had a house that we needed to look at in three hours, OK sure. Turned out the house was perfect. We loved the layout and it had it ticked every box we had. Was by far the nicest house we'd seen as it was completely redone minus the kitchen, they had it scheduled but had to relocate due to COVID. We put an offer in and another couple did. We offered more earnest money so they took ours.

    We went under contract on 8/20 with a closure of 9/25. I went with a localish broker as they had the best price and excellent communication. Our credit is decent and we have decent enough reserves so weren't concerned about the loan going through. Yesterday I still hadn't received wire info so contacted my realtor to see what the deal was. (used her recommended lawyer as I don't have one). Turns out they hadn't gotten the closing package from the lender. Called the lender who said they send it day before closing, uh that's close for comfort. Asked for it to be done that day and they managed overnight. Lawyer put me at the front of the line and we are good to go for 0900 in the morning. It was a very stressful 24HRS. As others have said, don't schedule closing on a Friday. We are ecstatic to be rid of the headache we are in now to move into our almost forever house. (Once we retire we are leaving this crap hole of a county). It's not a done deal until signed and recorded but the light at the end of the tunnel is very very bright!!!

    submitted by /u/boomhower1820
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    What can we do? Seller fails to disclose non-permitted kitchen and kitchen wall and falsely claimed it's an ADU

    Posted: 24 Sep 2020 08:55 PM PDT

    Hi guys --

    We are in the middle of buying a SFH in San Jose, California. From the disclosure the listing agent gave, it has an attached ADU and this ADU has a kitchen and claimed everything permitted. But, the appraisal report identifies the kitchen is not permitted and the kitchen wall is not permitted. The addition is not even an ADU and the original addition permit explicitly says there is no second kitchen allowed. The seller LA says it's a trust sell and the successor didn't know the kitchen was not permitted.

    We found their trust and looks like they are lied. The trust is way before the kitchen was built. Also, the descendant of the original owner lived in the house in the recent years.

    We are in a non-contingent contract right now. Is there a way that we can safely exit with our deposit back or bargain with the seller with lower price since they falsely disclose the kitchen and the ADU? If we need to launch a lawsuit, what are the things we need to be aware of?

    Thanks!

    submitted by /u/AwarenessIndividual8
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    Can anyone recommend a great Buyer's Agent in Ft Lauderdale FL area?

    Posted: 25 Sep 2020 05:10 AM PDT

    I'm looking to invest in a condo in the area and would really appreciate some recommendations for a great buyer's agent who knows the ins and outs of that market.

    Thanks in advance!

    submitted by /u/jasolord
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    Seller agent said there are two offers higher than ours, but told us to hold off?

    Posted: 24 Sep 2020 10:59 PM PDT

    Back story: The house was on the market for quite a while, and recently had multiple price reduction. We gave it an initial offer of about 3.5% below asking, and also ask the seller's agent for a second private tour. she seemed to be very welcoming and actually took us. The seller's agent was upfront and told us the seller wanted to sell it as is and unwilling to negotiate after home inspection. We took that into consideration, meaning we know we can walk, but if we stay after inspection, there are no more price negotiation.

    We asked the if there is a home disclosure. She said no but instead showed us in home inspection from a previous potential buyer. Now there were more than 20 things on that report, but for an old house it's actually not that unforgivable and the house is actually a really good deal. (We know the market) There were no structural or foundational problems, mainly just electrical and hot water tank and small leaks. The seller's agent told us to give it a thought and get back to her.

    We put in another offer the day after, still the same price but asked for a bit of credit for the fixes(not even much less than 1% of the ask price).

    The day after, The seller's agent got back to us and told us that the house became super popular all of a sudden. When I ask what the offers are she said it was close to the asking price, but nothing is finalized. she actually also said you can come up if you want to, but she would advise us to hold off since it doesn't make any sense to bid on the higher offer.


    The question:

    Now I'm a bit confused on what their agent is trying to do, wouldn't she want a bidding war? and if she does why wouldn't she just tell us to come up right away?

    submitted by /u/openlyEncrypted
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    What are the common mistakes people make when buying their first home?

    Posted: 24 Sep 2020 08:09 PM PDT

    I plan on buying a home in a year. What are the most common mistakes and what should I spend the next year doing?

    submitted by /u/Mochafrap512
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    Sharing Information

    Posted: 25 Sep 2020 04:39 AM PDT

    Hi! I just wanted some feedback on a situation with one of my coworkers. I have the bad habit of sharing information and having it bite me when I helped out some coworkers in the past. I recently just showed one of my coworkers some information where they can get resources for their blog and marketing material it helps out a lot and now when I ask them one or two questions about FB advertising they don't even make eye contact and give me one-word answers. Is this just me or should I not help them out again?

    submitted by /u/Extreme-Sudden
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    We're selling and just got a very low FHA Appraisal

    Posted: 24 Sep 2020 11:38 AM PDT

    List: $325,000 Our house received multiple offers over asking price. We accepted an FHA offer at 335,000. And they waived inspection.

    The house just appraised WAY low at $306.

    Both realtors are shocked and not quite sure how he came up with this number.

    I know this will be on file 6 months.

    I'm not willing to sell for 30k less than multiple offers we're willing to pay...

    Do I put it back on the market and wait for a Conventional offer?

    How much will Time On Market hurt the ability to sell? (4 weeks)

    Anything I'm missing regarding strategy?

    submitted by /u/growth_happiness_luv
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    Any advice for a first time homebuyer?

    Posted: 24 Sep 2020 07:44 PM PDT

    Hi there! I'm hoping someone here has a few words of advice for me. My S.O and I are purchasing our first home together and will be closing some time in October.

    When the seller had accepted our offer, our real estate agent made it seem imperative that we get a home inspector in there the very next day. Everything seemed to happen so quickly that we hadn't got the chance to look for a home inspector so we opted to go with the one that our real estate lady had suggested, which I later learned is a big no-no.

    The inspection went okay and the report that came back was a pretty short one. I was a little disappointed he'd not climbed onto the roof to inspect it or under the crawl space. Overall, I felt that the inspection wasn't as thorough as I'd have liked it to be.

    Ideally, we would've hired our own home inspector before our negotiation period, and with it being a cash purchase, I feel as though our realtor and the sellers realtor were just trying to push this along as fast as they could. Also, we weren't able to get the home appraised before negotiations. (Seriously, everything happened so fast - within a week of our offer being accepted, we had finished our negotiations. Is this normal?)

    My question here is this: when going through our final walkthrough before closing, would it be a good idea to have a contractor friend of mine walk through with us to double check on things? Should/can I request we do another home inspection? I've been seeing these horror stories of home inspectors missing a crucial thing and costing the buyers thousands of dollars which is obviously the biggest thing I'd like to avoid. Any advice for first time homebuyers is very appreciated!

    submitted by /u/flarkendar
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    7 days away from closing and the underwriter is giving us hell over $50 discrepancy on homeowners insurance policy! What can we do here?

    Posted: 24 Sep 2020 07:41 PM PDT

    We received a conditional approval from our lender 2 weeks ago and fulfilled all of our conditions. Yesterday we signed the closing disclosure and at noon today, we get a phone call from our lender stating that our homeowner's insurance premium puts our monthly mortgage payment $50 over our back-end DTI. On a side note: My husband has a credit score of almost 800 and our combined income is actually far more than they're willing to calculate, as they refuse to count his overtime, even though he has gotten overtime every pay period for over a year. They say that this is due to Covid, but he has gotten even MORE overtime throughout Covid. His HR department has even explained to our lender that his job is essential, that he is highly likely to get OT in the future, and his job is secure.

    Even more concerning, our lender has had this insurance policy for nearly a month, they've had all of our financial info for even longer...and they're noticing this NOW!!? We are in the process of looking for a lower home insurance premium, but what the heck? Shouldn't they have caught this when we were in our initial underwriting phase and given it to us with our list of conditions 2 weeks ago?

    Do you think they'll seriously hold up our loan over this? Our sellers are relying on this money to close on their new home and we will be homeless if we don't close next week (this is our second delay, first one was on the sellers.) Are they really going to screw with all of these peoples lives over $50 per month? I feel like they're seriously just messing with us for laughs at this point. I don't think it's funny and I'm absolutely furious. What should we do here if we can't find that much of a lower rate? Again, I feel like this was something that they should have caught weeks ago when we gave them a copy of our insurance policy. I know that this probably won't be the case, but I feel like they should own up to overlooking this. This process has been so unpleasant. This is supposed to be an exciting and happy time, but it's been pretty much the worst 2 months of my adult life so far.

    submitted by /u/VelvetSugar87
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    I am closing on a property soon and seller’s real estate agent is taking items from the house

    Posted: 24 Sep 2020 09:41 PM PDT

    Located in FL

    The house I'm under contract for includes belongings left behind by the seller. It was described that the buyer is responsible for removal/handling of items on the property.

    The real estate agent of the seller has been picking the desirable items and taking them, gifting them, etc. Some items were mounted to walls. There is some alcohol missing. There are some antiques taken.

    How legal is this? What can I do?

    Thanks in advance.

    submitted by /u/MR2-RS
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    How is lead paint poisonous? & how do you remove all of it from a house. Who do I hire for the job?

    Posted: 25 Sep 2020 01:10 AM PDT

    I may buy this 2,3500 sqft brick house with 3 acres of land outside in the country. The house looks like it was abandoned 3-4 months ago. I dont know who would do it but I am skeptical about asking the realty agent. Beautiful house at only $45,000 just need some renovation no more than $5,000. Problem is it was built before 1978. How do I prevent lead posioning?

    submitted by /u/josh19leundes
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    Is this a normal clause for renting?

    Posted: 24 Sep 2020 02:23 PM PDT

    Looking at renting a house (moving up from an apartment) and when we were about to sign but we got spooked away by a cancellation clause along the lines of "you must find a replacement for the property before you're off the hook to break the lease mid year"

    Is this common practice? We're used to apartments where it's 2mo rent if we need to move out.

    submitted by /u/Secondary_Location
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    Pre-Selling Improvements

    Posted: 24 Sep 2020 09:00 PM PDT

    Live in Chicago, selling our 2000sq. ft. 3bd/2ba condo. The place has high ceilings, wood burning fireplaces, tons of light, and was built over 100 years ago. I'm trying to figure out how much is necessary to make it sellable. Comps are leading us to believe we should list for $425.

    Well our realtor suggested we retile our small ugly bathroom with the copious amounts of leftover carerra marble from our fireplace project, buy a new sink, light fixtures and a new toilet. No big deal, totally understand why.

    He also strongly suggested we buy Marvin windows... we have got a couple windows in the front of the house that are sagging, have small cracks, etc. we have radiator heat so it's blazing hot in the winter here and the "inefficiency" of the old windows actually keeps us from sweltering. Now this is where I have an issue. The windows ARE old. It's a vintage building. But I'm moving out. I don't want to buy the most expensive product on the market, can't I get something in a decent mid range that won't scare off buyers? We did our back windows (two bedrooms with vinyl Feldco two years ago) and have been so happy with them. Do buyers really care about the brand of replacement windows?

    Should we try to sell it and do nothing to the windows? They look rough. He thinks that it's unacceptable for properties at this price point and 🤷🏽‍♀️

    submitted by /u/Cleverlady0406
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    Attorney or not for refinancing?

    Posted: 25 Sep 2020 12:39 AM PDT

    Do you leave it to the title settlement agent or get your own attorney? Pros and cons? Thanks all in advance

    submitted by /u/2girlscrazy
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    Home owners insurance: last replacement dates for roof/electrical/plumbing unknown, what to do?

    Posted: 24 Sep 2020 03:36 PM PDT

    Shopping for home owners insurance and everyone asks when the last time the roof/electrical/plumbing/heating were replaced, but it is unknown. The property disclosure lists unknown for all of these. What do I do in this situation?

    submitted by /u/Trevorjrt6
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    Inherited house Deed transfer question

    Posted: 24 Sep 2020 10:59 PM PDT

    I was just awarded my dad's house in probate, a house he was awarded in probate when his mom passed. I went to find info on the deed but the local courthouse (michigan) said there was no record of him on the deed. When I go to their online resource I see a transaction was recorded in 2014 from his mom to him, this was after she died. So I think he just didn't record it with the county but I'm not sure. They were less than helpful at the courthouse. What would my options be to get the deed in my name?

    submitted by /u/jdmsu4evr
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    Cherokee nation and Oklahoma real estate

    Posted: 24 Sep 2020 03:21 PM PDT

    What's up guys and gals? I'm an investor in California and want to move my mother out to The Cherokee nation in Oklahoma. She is Cherokee by blood(much more than most) and was born and grew up there as a child before moving to California. Unfortunately I've run into quite a few unusual snags trying to put cash offers in on properties. As soon as I attempt the property all of a sudden goes pending while previously being on the mls for months(almost years at times). This has happened 3 times in the last week and I'm wondering if any of you had the same problem coming from California. Thank you for any help you can give!

    submitted by /u/da_ganji
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    Looking into a Condo in Washington DC, What should I know?

    Posted: 24 Sep 2020 07:05 PM PDT

    I'm in the early stages of looking into buying a condo in DC. Previously have only rented before. Just found out that the parking space doesn't come with the condo and is separate from the unit. A whole 25k separate. Which some people are saying is a good deal? What are some things I should know about Condo living/buying? Or what are things I should go and find out? I'm still in the early stages but I do have a few condos I like. Any advice is welcomed and appreciated. EDIT: Can I find out the HOA rules online?

    submitted by /u/justboredwithlife
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    Neughbors teaming up to sell to developer [OH]

    Posted: 24 Sep 2020 06:19 PM PDT

    Is anyone familiar with doing this? I am gathering due to multiple parties a real estate lawyer is essential.

    I have 5 acres and just found out 2 neighbors were hoping I wanted to sell to a developer as this was also there plan they own 2 acres each and are both ready to sell. I may even have a 3rd neighbor that could be interested i have yet to talk to them. Its on a very busy street and with their properties is probably 600ft of road frontage and almost 9 acres. It butts up to other condos so zoning shouldn't be that hard for the buyer.

    I am not sure if this is the right place to ask but hopefully someone has experience!

    Cross posted in r/realestate.

    submitted by /u/sup3rmalZiO
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    Buying first home - needs replacement of entire plumbing system

    Posted: 24 Sep 2020 01:18 PM PDT

    Currently in the option period for a 1972 1-story residential home on concrete slab in San Antonio, Texas. Option period is going to end tomorrow morning and I'm still pretty indecisive. My wife and I have been looking for homes for over a year and this is the first one we've actually liked...not currently interested in any other properties.

    Hydrastatic, static, and camera snake test revealed leaks in the cast-iron pipes in all bathrooms. There is also belly in the PVC sewer pipes leading to easement.

    Received about 10 quotes for a complete replacement of the system. Quotes vary from 40k to 66k.

    The buyer also conducted their own opinion and is now offerig 40k off the asking price of the home. We counter offered 60k off, but they are firm on 40k. Asking price for home is at market value and we offered cash (no lender).

    This is my first home and I'm trying to get as much as feedback as I can...some folks are telling me to run away from this. Others say this could work out to be a very good deal because the home is due for a new plumbing system anyway.

    We also have the benefit of continuing to rent in our current home while all the work is being performed.

    Any feedback would be greatly appreciated

    submitted by /u/oliver-onions
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    Book keeping/accounting for owner financed deals?

    Posted: 24 Sep 2020 01:05 PM PDT

    For those that bought or sold with owner financed, how was the accounting done? Did you hire someone to create monthly statements and online accounting/ documents?

    submitted by /u/HabeshaATL
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    Bought a house with unpermitted work. Can I go after the seller or am I screwed?

    Posted: 24 Sep 2020 10:30 AM PDT

    TLDR: Bout a house with unpermitted bathroom in detached garage, am I screwed?

    So I closed roughly 2 weeks ago on a house with a detached garage that had been converted into an apartment living space. They had installed a bathroom and a kitchen area and placed drywall over everything including the garage doors. Yesterday I had a plumber come out to install a hookup box for the washer dryer and he wouldn't touch it because he would have to pull a permit and the bathroom would need to be brought to code. His recommendation was to DIY the rest of the plumbing and push the problem to the future buyers, however I intend to rent that space and would like it to be done right.

    Has anyone had any experience in a situation like this? I thought I would only need to do flooring and appliances in the garage not a full remodel so I did not budget for this. Any help for who to talk to would be great.

    Edit: Located in Norfolk Va.

    submitted by /u/lewoodworker
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    CA - Seller Purchase of Replacement Property (SPRP)

    Posted: 24 Sep 2020 09:00 PM PDT

    Looking for some feedback for anyone knowledgeable of this form. We have a signed Seller Purchase of Replacement Property (SPRP) CAR form with box C checked ("The Agreement is contingent on Seller's ability to close escrow on replacement property according to that contract").

    Unfortunately the house we're buying requires a 1 week delay in closing due to a termite inspection that requires fumigation. The lender requires all Section 1 termite damage to be repaired in order to close, therefore we cannot get the loan and close on the replacement property until this is finished.

    Our buyer is digging their heels in and saying they don't need to extend closing (creating a 7 day closing gap between properties). Not only does this leave us without a place to stay for a week, it also leaves us vulnerable should the replacement property closing fall through after we've already closed on our current home... leaving us entirely homeless.

    Based on the wording of the SPRP, it appears we should be able to force the escrow on our house to delay 7 days as well, keeping the concurrent close in action since the contract states we must be able to close on the replacement property.

    Am I correct in this assumption... or are we misinterpreting the protection we believed we had if when we all signed this form? We'll consult a real estate attorney if it comes down to it, but obviously hope this situation isn't required.

    Thank you!

    submitted by /u/DisturbedSweater
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