Update to an old post Real Estate |
- Update to an old post
- We closed on our home last week. Seriously never thought I'd be buying a home for another few years
- Has anyone had luck getting a builder who wants to raise their price agree to honor the original contract price?
- Appraisal came in low ��
- Closing on a beautiful dream home
- Disclosure issues.
- Why am I getting rates above 4.275% for 20% down with 781 credit score on a rental?
- Just closed on a house on the 11th, having the electrical rewired starting tomorrow.
- send letter to homeowners to sell directly before listing?
- Update: listing on Memorial Day, episode 2; what is earnest money anyway
- Pre-approval question
- [Tx] lending ratios when turning current house into rental?
- Are closing loan documents signed with notary time sensitive?
- Question regarding lenders
- [NY] Looking into income property, and wanting to use our home equity for our down payment. Is this possible, or wise?
- Liked a house I looked at today, but it smells like smoke throughout. Is there a way to get the smell out completely?
- Should we buy the house we are renting, or leave? Little notice, need to decide TODAY
- Los Angeles Area Appraisers: What makes a room a bedroom?
- Dress code for closing table?
- How Long To Wait?
- Bridge loan from family member
- Mentor
- Getting a real estate license - benefits?
- Need advice on buying a home that is currently rented
- Question for Texas Buyers, Sellers, and Agents
| Posted: 01 Jun 2021 07:43 PM PDT It took a while but here's a follow up to a post from about three months ago (linked below). Long story short is my wife an I offered in a house and ratified a contract. After home inspection we requested a price reduction via contract amendment based on issues that we found (sellers said flat out they wouldn't fix anything) and we didn't get a response. Sellers didn't request a release from the original contract so we made the assumption that all would push forward with the original price. When closing day came our title company reached out to the seller's agent and he claimed that we never had a ratified contract in the first place. When my wife (also an agent) called him to discuss the issue he became belligerent and combative. I could hear him yelling at her through the phone that we didn't have a contract and that we need to leave him alone. At that point we lawyered up. Our lawyer placed a lis pendens on the title and reached out to the other agent for all paperwork that he had. We discovered that he never sent our price reduction request to the sellers and that they accepted and ratified another contract a week after ours was ratified. I can see why they wanted the other deal as it was about $30k more that ours. I think the other agent was being shady, or was completely incompetent and actually believed he was in the right. It took a lot of back and forth but we got them to agree close for the original price, pay our lawyers fees and pay their own closing costs (original contract had us paying all closing costs). We finally closed today. Tldr; don't give in just because someone yells. Contracts mean things. [link] [comments]  |
| We closed on our home last week. Seriously never thought I'd be buying a home for another few years Posted: 01 Jun 2021 08:25 PM PDT With an FHA loan in this market. House appraised nearly at what we offered on it, slightly higher. We waived inspection but had one independently done and there was nothing critical to avoid. Took me ten years to dig myself out of the credit hole I dug myself into, and now I'm able to put my family into a wonderful home. We've started painting and it feels like ours. Moving in in less than two weeks. We did it. I'm so happy, and relieved that the massive stress while waiting to close is finally gone. Our landlord decided to sell the house so we weren't sure where we'd be in a month. If you're having trouble getting offers accepted, keep at it. We went through a number of rejected offers due to it being an FHA loan, and at first we had an out of state loan which was not attractive here either. Rejection is discouraging but there is a light at the end of the tunnel. Just wanted to share my excitement. I'm exhausted but we finally own our own home! [link] [comments]  |
| Posted: 01 Jun 2021 10:23 AM PDT Signed a contract in Feb for new construction to be built. Gave 5k EM deposit. Contract states that the builder was to have the P&S to us within 2 weeks and they dragged their feet. The contract also stated that we would give an additional 5% deposit at the time we sold our home in April. A week after selling our home- builder calls a meeting stating he needs to charge at least 50k more the same house. I don't understand how he can do this with a signed contract. Have been contacting lawyers but haven't heard back from one yet and am just wondering if anyone else has been in this situatiokn? Edit- I've read the contract multiple times and there is absolutely nothing written in there about them being able to change the price. I'm in Massachusetts. I also do understand that lumber prices have increased BUT I still don't think it's fair for them not to honor the contract tbh [link] [comments]  |
| Posted: 01 Jun 2021 09:49 PM PDT Okay so we sold our house in the Austin area for a pretty penny, but we are still not totally loaded zillionaires. We are moving to Colorado, near Denver. After being 2nd place on a few offers with some contingencies removed and offering a bit of hard money and going way above asking, our realtor told us we needed to just go for broke if we want to get a house. She and my lender BOTH agreed that while they couldn't guarantee anything, they haven't seen many appraisals more than 10-15k off base in over 18 months and only one or two that were up to 25 below. We felt very comfortable spending 10-15 and can push to about 20 and still offer a 20% down payment (which we need to do for a payment to work for us). So we offered our max on a house that was built in 2010, fully finished basement, everything updated including roof and hvac, the whole 9 yards. Offer was for 600k with appraisal waiver, 5k hard earnest money and we rushed the appraisal just to be safe, since we are in our due diligence period. Appraisal came in at 558k. I've been getting "sold for 602k" updates from Redfin on all the houses we saved on our house hunting journey and it just sucks. We can't compete without spending that much, offering waivers, etc. and yet the appraiser is using comps from 12 months ago and dismissing comps that our realtor sent to him. I realize that's the market we are in, but I wanted to just sort of vent a little bit about it. Who knows, maybe the seller will try to salvage the sale by meeting us halfway at what we expected a full appraisal waiver to cover. Or I'll be house hunting again by the weekend. Either way, I hope we can get to the place we are meant to be. [link] [comments]  |
| Closing on a beautiful dream home Posted: 01 Jun 2021 09:53 PM PDT After visiting numerous homes with our agent (over 50), making 10 offers, 3 counters, 1 escrow cancellation, we finally found our long term home. We offered under listing, kept all of our contingencies except appraisal. 30-day escrow, We did termite and inspection and found a few things for the seller to offer some cash reduction on purchase price. Loan locked in for 2.75% for a jumbo loan in CA. We will be closing in two weeks! Finally… [link] [comments]  |
| Posted: 01 Jun 2021 06:47 PM PDT I posted about recourse for foundation issues in the home I just purchased a couple days ago. I got a call back from a local contractor today who had been to my place prior to it being flipped, and already had a workup ready for it for work that was obviously wasn't done, then gave me the number to an attorney that works in the same building. He was pretty clear that there was no way anyone "didn't know" about the structural issues. I imagine as this progresses and other contractors are subpoenaed/discovered, the full story will come out. I'm pretty sure I have a strong case here for recourse, but I have no idea what to expect. Obviously the attorney will fill me in, but I'd appreciate anyone who's knowledgeable on the matter or has dealt with it giving me an idea of how this process works and what to expect. [link] [comments]  |
| Why am I getting rates above 4.275% for 20% down with 781 credit score on a rental? Posted: 02 Jun 2021 04:17 AM PDT Why am I getting rates over 4.275% for 20% down with 781 credit score ons rental? 4.275% was my lowest rate offered. Was also offered 4.4% and 4.625%. No points, very slight credit because it couldn't be no credit at all. No origination fees. Is this normal? First time home buyer Rental in Idaho Non military DTI no problem I have a few MLO friends not licensed in Idaho telling me that these rates are still high but I'm not sure why. I had a friend with a a 640 credit score offered 4.5% for 20% down on his rental... Are my lenders trying to take advantage of my young age/gender? [link] [comments]  |
| Just closed on a house on the 11th, having the electrical rewired starting tomorrow. Posted: 01 Jun 2021 11:35 AM PDT NorCal/Bay Area/Central Valley Area. VA Loan used. House built in 1936. Started looking at houses in January, ended up losing 10 offers, April 2nd we had an offer accepted at asking. Got inspections done (pest and regular). Sellers paid for many fixes (dry rot in garage/back patio/etc). During the house inspection, the inspector stated the wiring was old (knob and tube), and the panel would need updated eventually, but it was serviceable and would be good for a while. Last week (a week after moving in), we changed a lightbulb in my kids room upstairs, and it blew the circuit to the entire upstairs. Had electricians come and look at it, and all 3 said the wiring was overloaded and is more than likely a fire hazard, so it should be replaced. Come to find out, it is going to cost $37k to rewire/update the electrical in the house, which will make it up to date and safe to use for our entire family (Wife, Me, 3 teenage kids). Welcome to home-owning, I guess.. [link] [comments]  |
| send letter to homeowners to sell directly before listing? Posted: 01 Jun 2021 11:12 PM PDT TLD;R: I am planning to send letter to homeowners who haven't listed their house to sell directly to me. Good or Bad? I am kinda taking a different approach where I have shortlisted the streets I like to buy a SFR and have scraped the municipal website to get the list of addresses not sold in last 5 years in my preferred areas and get the list of homeowner addresses. Now I am planning to send a letter as noted below. I don't intend to send family photo or reveal too much personal info. I shortlisted some 800 homes and it will cost me about $200-$350 to print, put in envelope and place stamp and deliver to post office. You may wonder why do this? And what's my plan? Well I haven't visited any open-houses and don't have an agent but have been researching & watching market for. over a year now. I exported entire town data into excel and added layers of filters to arrive at my desired short list of neighborhoods. I even moved to a rental in the area and drive by neighborhoods to checkout houses on weekends to get a feel. I have experience with purchase of 2 condos before and have good idea of the process(atleast IMHO). I also intend to negotiate directly with seller who has many advantages like no agent fees, no need to empty the house and pay mortgage for couple of months, no staging fees etc. I plan to pocket those expenses and get a good deal as well. My move-in date is flexible, so this will allow seller to plan their exit as well. I am going to hire an attorney to draft a contract with all contingencies that exist in typical transaction like mortgage, inspection, appraisal etc. I will be doing a thorough double inspection w radon, termites etc to be satisfied. I even plan to get a surveyor to make sure the lot lines are correct. TBH, My shortlisted houses are built after 2000 and is in range of 700-850k range. _QUESTIONS_
>Dear Homeowner, Re: Direct buyer of your home We are a family of 4 (and soon to be 5) looking to buy our family home in TOWN. We drove past your street couple of times and like the charm of your neighborhood as well as location. We shortlisted your house as it meets our requirements and wanted to reach out for a direct purchase. We are looking to buy in next 3-10months timeframe and have experience buying a real estate property, so are intimately familiar with the process and are confident proceeding without an agent. If you are interested in discussing further, please email Future.TOWN.Resident@domain Or Call: XXX-XXX-XXXX. If you are NOT looking to sell your house, then please feel free to recycle this letter. Meanwhile if you know any of your neighbors planning to sell, please share our contact information. Sincerely NAME & FamilyEDIT: To be clear, the intent is to get a chance to buy before the seller wants to list their house . Not trying to entice "make me move" sellers with a initial offer in the letter. I'd be happy to get 5 callbacks mmi out of 800 letters. [link] [comments]  |
| Update: listing on Memorial Day, episode 2; what is earnest money anyway Posted: 02 Jun 2021 04:25 AM PDT Prior post here: https://www.reddit.com/r/RealEstate/comments/nfos7q/listing_over_memorial_day_weekend/?utm_source=share&utm_medium=ios_app&utm_name=iossmf So to before we even made it to where the story picks up, my realtor calls me while I'm at work and tells me she's though about the whole thing- instead of listing Thursday through Monday with offers due Tuesday at 10, she wants to push the whole thing back a day- go active on Friday, show through Tuesday, review offers Wednesday. Apparently she didn't think Thursday added much, and Tuesday would be a better day to accommodate people who couldn't see it on short notice on Memorial Day weekend. Ok makes sense, I agree. Well we had a decent amount of showings set up while in coming soon and even got one offer, but Friday when it went active it really took off. Booked solid the whole weekend through Monday- we'll skip ahead to Monday evening she calls me and says how exciting we have 6 great offers, I'll get them all better out in the morning and we can decide (aren't we doing another day of showings?? No, I was apparently crazy to think this, totally normal amount, the buyers agents all know the deadline is tomorrow so we have to keep it…… ) So the thing is, the offers we have are… let's just say I had a different idea of what the market would be. Especially for being the largest and nicest house at the price point in the area. We listed low with hopes to be bid up- some offers reflected that. But all of our offers were low EMD, minimum amount down, and almost all FHA no one waiving appraisal and mostly as is inspections. Well morning of Tuesday, I'm still a little grouchy that we're off the market a day earlier than expected, I'm still getting the emails from the ads are running showing that 40 people hearted my home on monday or whatever (oh cool, those people couldn't actually come see it though…) and the holy grail offer is sent over. It matches our top offer, way over asking. It offers us free rent back for a month, it doesn't just decline inspection, it declines every contingency including appraisal. It's a 10% down conventional. Realtor ecstatic of course, says she has known this other realtor a long time so she was able to communicate everything we wanted. Their EMD is $5k which is above average for our offers. Ok where do I sign?? The contract has some things to be fixed but throughout the day it gets over to me and I sign- my realtor says she's called the lender, he's good for the money and the appraisal gap. No reason not to move forward. I'm sure you know where this is going. So if it seems to good to be true, of course it is. I get a call as I'm eating dinner from my realtor- buyer has cold feet, he's worried about the appraisal, doesn't think he could cover more than a 15k Miss. can't we right the contract that way I ask? Oh no. We're not going to beg him. He just has cold feet and doesn't want the house. Ok so…. Isn't that what the deposit is supposed to keep him from having? "Oh well in the contract he missed some initials and it was a bad contact we couldn't enforce it. Besides in Maryland you have 3 days to pull an offer and keep deposit (news to me)" So anyway she's trying to soldier on with our next highest offer- which is the same dollar amount but FHA and waived nothing so hardly Comparable at all since the house is almost certainly missing appraisal by at least 15k……. I'm tearing my hair out because we're now arbitrarily off market so we can't get new offers, the offers we have know they're in the power position, and I don't even get to keep the deposit for my trouble?? What the hell guys I'm just so dejected and don't even know what to do. If you read to the bottom of all this, thank you. [link] [comments]  |
| Posted: 01 Jun 2021 10:06 PM PDT So last year due to COVID I was laid out of work for almost 6 months (almost cause 6 of those weeks was paternity leave). Due to this my income was effectively cut in half, which is reflected on my W2s. This year I'm back to work full time and making my normal wages, the outlook is good and I should have stable work for the future. My question is if I try to get pre-approved, will last years income hurt my pre-approval amount? Will I not qualify for as much as I would have if I worked a full year last year? Other details: In the Bay Area, so naturally the housing market (which was already a deathmatch before) is now turned up to 11. Realtors act like God's out here, with no regard for customer service because everyone is so desperate to buy a tent for half-a-million. [link] [comments]  |
| [Tx] lending ratios when turning current house into rental? Posted: 02 Jun 2021 03:48 AM PDT Hello all, My family and I are soon looking to upgrade to a larger house. We'd like to keep our starter home and turn it into a rental property. My question is, how will lenders look at our current house when calculating our lending ratios if we indicate we want to keep our home? Will they offset our current mortgage with projected rental income for the debt to income ratio? Will they consider the cashflow it generates, even through we dont currently have a tenant? [link] [comments]  |
| Are closing loan documents signed with notary time sensitive? Posted: 01 Jun 2021 06:38 PM PDT Today I was supposed to meet a notary at my home @ 5pm to sign the closing for my refi-loan on my home. The lender set this up with the time at my choosing, which was today @ 5pm, there was an accident on the highway, I was 2 minutes late, got home at 5:02pm and haven't seen the notary. I reached out to the lender and account manager and asked if the notary didn't arrive, wasn't scheduled, or left at 5pm on the nose. Account manager got back to me and said "I am assuming that we have to reschedule if they did not show up to the appointment." My question is what happens to the state of my loan? Are those documents time sensitive? Why didn't they give me a number to contact the notary in case I was 2 minutes late getting to my own house? I imagine the notary wasn't scheduled, wouldn't they wait at least 10 or 15 minutes before calling someone? The account manager said it's possible "title" didn't schedule them, and that I didn't miss them. I'm punctual and never late for shit, nothing in my world is unreasonable or out of order in any way. This has me all paranoid and twisted up that I'm going to lose something here because of this. Am I overreacting? Is my loan ok? [link] [comments]  |
| Posted: 02 Jun 2021 03:11 AM PDT Our offer was accepted (YAY!) and we included a pre-approval letter from a lender that we intend to use. Since we applied for a mortgage pre-approval with a couple of other lenders, what's the etiquette in terms of selecting a loan? Do I let the other lenders know now or wait until later in the process (closer to the closing date)? [link] [comments]  |
| Posted: 01 Jun 2021 08:20 PM PDT We own our house, and do not owe anything on it. We bought at $150k 8years ago, and have put in about 100k between new mechanical, roofs (rooves?), new kitchen, landscaping, drainage, gutters and leaflilter, painting, new blacktop, new stamped concrete front patio, etc. In the current market we could probably get $325+, but reality is probably closer to $275k. (In demand neighborhood, great schools, decent lot). Assessed value is $150. We also want to buy a larger home for ourselves with more land soon (within 5 years). We may keep our current house as an income property when we move, it isn't part the current income property plan but could be added. This down payment will start what I hope to be the start of churning a few (3-4) income properties, in the hopes of early retirement. It would be a separate entity, and we wouldn't draw on it unless there was an emergency, and to give us more freedom we would apply for a 30 yr mortgage. Each property would first build up a fund for repairs (~$15-20k/property to make sure we aren't paying for emergencies or maintenance out of our salaries, and upgrade finishes with turnover), then save for the next down payment (and purchase the next property), then aggressively pay off the mortgage as quickly a reality allows. Using the older properties to pay off the newer properties even faster, a waterfall payoff effect. What are the rules, timing and order of operations I should be taking into account when it comes to using value from our home to pay for income property? Most of the properties I'm considering are $200-$300k 2-3 units. Should I assume I need 25% for down payment? Other than saving x% from our paychecks until we have $50+k, what options do we have to enter the income property world? Should I create a DBA under my current LLC? Does that make small business loans a possibility, or am I in a fever dream of realestate? Thanks for your help! [link] [comments]  |
| Posted: 01 Jun 2021 03:34 PM PDT Looking to purchase a new home, but this house smells like smoke. Would new flooring and new paint fix it? Love the property and everything else, but the smoke was such a turn off. [link] [comments]  |
| Should we buy the house we are renting, or leave? Little notice, need to decide TODAY Posted: 01 Jun 2021 08:23 AM PDT My partner and I moved into a perfect rental home last October, with plans to stay in the home for a few years. However, now, less than a year after we moved in, the owner of the home wants to take advantage of the market and sell it. After they notified us of their intent to sell (last Wednesday), they gave us first dibs to buy it, but we had to decide within 24 hours after their notice before they put it on the market, which was not enough time for us to make that decision, especially since we weren't planning on buying anytime soon. However, after spending the weekend talking about it, we are slightly more inclined to buy it because we don't want to move (it took us 6+ months to find a single family home rental that fit our needs last year, and there are no rentals like it available right now). We have never bought a house before and weren't really prepared to buy one now, but we have excellent credit. The house is being sold for $210,000. I have enough for a 20% down payment, and I am currently employed. However, with the market being so hot right now, and the house already listed, we literally need to decide today if we want to pursue it or not. However, we haven't done any of the paperwork yet - we aren't approved for a mortgage, need to do an inspection, etc. Also, the home is in nice condition and has some great amenities (amazing location, central air), but could also use a good amount of work (no closets in bedrooms, all windows need to be replaced, kitchen appliances are very dated). We would love any advice because this is a huge decision to make at such short notice! Plus, the home just hit the market already (owner is moving crazy fast) and people are already trying to schedule showings, which is why we need to decide literally today - we may still get first dibs since we already live here, but who knows. Thank you. TL;DR: Currently living in a wonderful rental home (have been here for 7 months), but need to decide today (less than a week after getting notice) if we want to pursue buying it or move out and try to find another single family home to rent. Home cost is $210,000, we are not pre-approved for a mortgage yet but have excellent credit and can put 20% down. Home has some nice amenities but also needs some work. Should we try to buy it or start packing? [link] [comments]  |
| Los Angeles Area Appraisers: What makes a room a bedroom? Posted: 01 Jun 2021 11:04 AM PDT Our 50s house has an extra room somewhere around 14' by 7'8" (+ walk-in closet in addition to this) with approximately 7'8" high ceilings (pretty much the same height as the rest of the bedrooms), entrance/exit from an interior hallway and to a patio. It has a working AC/heater vent. It has a large window and a glass door to the patio. You do not have to walk through that room to get to another room. It has a walk-in closet. It won't fit a king or a queen bed but it fits a full bed. The house is on a hillside so bedrooms are downstairs and rest of the house is upstairs and this specific room falls under the area where the garage is. I have looked up other hillside homes in Los Angeles and many have bedrooms under the garage so this doesn't seem to me to be the issue. Another bedroom is on the other edge of the house with the same grading so below/above grade doesn't seem to be an issue either. These are all the facts that might matter that I can think of. Despite all of this, the house has always been listed without this room as a bedroom. The previous owners had used this room as a laundry room and used to have a gas heater and a water heater where in the walk-in closet is at some point, but the house had laundry hookups in the garage so this room is no longer being used as a laundry room and the gas heater and water heater haven't been in that closet for a while now. Our appraisal had come in with that room listed as laundry because the washer/dryer were in that room at the time. Given all this, would an appraiser consider this room a bedroom since it is no longer a laundry room? [link] [comments]  |
| Posted: 01 Jun 2021 09:55 AM PDT We have two closings this week and I am wondering what that process is. Is it business casual? Is the closing table like some expensive mahogany table in a room somewhere? Who all will be there? How long will we be there? Anything I need to bring that my realtor may have forgot to mention? Any experience or information will be helpful I've never been to the closing table. Edit: So it sounds like it's not a formal or semi formal type of event and just regular clothing will work. The "closing table" isn't necessarily a mahogany or even a table at all for that matter. The whole thing is just a formality and only takes about 30 minutes. For some reason I thought it was a fancy table somewhere and thought it would be a somewhat formal court like experience. Apparently people have just shown up in a wife beater and flip flops eating a hot dog and had no problems. Thanks for the info. [link] [comments]  |
| Posted: 01 Jun 2021 08:45 AM PDT I am thinking my search for now is over, but I want to know how long should I wait? No one seems to have a good answer, and I need to arrange for my living accommodations accordingly. Do I renew my apartment lease? Do I go live with a buddy for a couple months, or do I rent a house for a year or 2? I really want a house, but at this point the market seems nuts and I wanna wait for the cool down. Edit: Waiting for the frenzy to cool. If a house is listed at $200K I would like to reasonably bid on it. Not $50K over, no inspections, no cancellation, and still lose. Edit2: To everyone that is saying, it's not a smart move to wait, prices could go up. They very well might, but hopefully I won't have to wave inspections, the right to cancel, or any crazy move that makes this a stupid investment. [link] [comments]  |
| Bridge loan from family member Posted: 02 Jun 2021 12:24 AM PDT I am beginning the process of selling our current home and purchasing a new home. Ideally I wanted to use the funds from selling my current home towards the new one but the timing may not work out perfectly. I have family that can easily provide the funds until I pay them back once I sell. Is this a big no-no? Will it complicate the lending significantly? I read that if they categorized it as a "gift" it just requires a simple signature on some form. If they did that, would I just "gift" the same amount back to them later? [link] [comments]  |
| Posted: 01 Jun 2021 11:55 PM PDT I am looking for a mentor to help me out in real estate as i am 17 years old and am looking for help, message me if interested [link] [comments]  |
| Getting a real estate license - benefits? Posted: 01 Jun 2021 11:28 PM PDT I'm not trying to become a realtor, but I heard having a real estate license has its' benefits such as no fees when selling your home. What are some other benefits to having one for the heck of it? are there any negatives? is it worth it? [link] [comments]  |
| Need advice on buying a home that is currently rented Posted: 01 Jun 2021 06:54 AM PDT We want to buy a home as our primary residence that us currently being rented. We have an attorney but any language that we should be prepared for on the contract? I was thinking: property vacated upon inspection All deposits or moneies to be refunded to tennants are sellers responsibility Back rent is not new owners responsibility Anything else? The seller is shady. Shes lied to us, lied on the sellers disclosure and is the seller, broker, agent and attorney. Someone drove by to tell us shes a liar! Who does that? So I want to be 100% protected! [link] [comments]  |
| Question for Texas Buyers, Sellers, and Agents Posted: 01 Jun 2021 11:25 AM PDT We are located in the DFW area and, like many, are trying to buy a home in a crazy market. We have been finding homes that require lease backs and my agent has been telling me that there is no way to win an offer with a lease back that requires any meaningful deposit. Are you seeing this as well? In your market, are people also offering free lease backs with ZERO deposit or safety measures in place in case something goes awry? I feel like when I read about buyers in other states, at the very least, they are asking for large deposits that can be held in ESCROW. My agent says it doesn't work like that here. I believe her, but also, whyyyyy are people doing this? Appreciate some perspective here. [link] [comments]  |
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