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Dik Hz posted:Nah, we'd be the undercard. I think Motronic would probably be the headliner somehow. Sure, but the undercard fight is always the more interesting one. We'd get a good 30 minutes of you two chasing each other around and then just fifteen seconds of Motronic pile driving someone who waved the inspection.
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Dec 1, 2021 15:27
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Motronic rigs the thunderdome to collapse with one touch to a supporting beam, crushing his opponent while he calmly lights up a cigar, the ruins of the dome smoldering around him, the wreckage somehow still up to code
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Dec 1, 2021 15:41
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His opponent would be Bitcoin home buyer goon
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Dec 1, 2021 15:59
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I would watch this show.
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Dec 1, 2021 16:45
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Johnny Truant posted:His opponent would be Bitcoin home buyer goon Zillow Algorithm
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Dec 1, 2021 17:44
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moana posted:Motronic rigs the thunderdome to collapse with one touch to a supporting beam, crushing his opponent while he calmly lights up a cigar, the ruins of the dome smoldering around him, the wreckage somehow still up to code The beams have collapsed into a perfect grid. He steps atop them just as the ready mix truck pulls up to pour what will be the foundation for his new home.
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Dec 1, 2021 17:52
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Cyrano4747 posted:Sure, but the undercard fight is always the more interesting one. We'd get a good 30 minutes of you two chasing each other around and then just fifteen seconds of Motronic pile driving someone who waved the inspection. I wouldn't last 30 minutes. He'd be able to quickly gauge my weak points!
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Dec 1, 2021 18:25
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Residency Evil posted:No word from seller’s agent regarding sewer block/results of clean out after our scope showed roots. Just said "gently caress it" and called the company that cleaned out the sewer line myself. Guy on the phone said everything was great: the cast iron portion looked great and the clay portion was in great shape too. gently caress looks like we're buying a house.
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Dec 1, 2021 18:29
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Residency Evil posted:Just said "gently caress it" and called the company that cleaned out the sewer line myself. Guy on the phone said everything was great: the cast iron portion looked great and the clay portion was in great shape too. 
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Dec 1, 2021 19:32
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Did a mold inspection on a whim at the place I was thinking of getting. Turns out the joint is toxic. Dodged a bullet baby!
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Dec 1, 2021 22:55
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https://i.imgur.com/qxzF2cm.gifv
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Dec 1, 2021 23:39
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Please do not doxx me. Garage guy came out. It’s going to happen!
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Dec 1, 2021 23:41
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lmao 
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Dec 2, 2021 14:04
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jfc if only gifs could be thread titles 
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Dec 2, 2021 18:46
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Dec 2, 2021 22:03
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Residency Evil posted:Just said "gently caress it" and called the company that cleaned out the sewer line myself. Guy on the phone said everything was great: the cast iron portion looked great and the clay portion was in great shape too. Seller agreed to installing a second cleanout for the sewer drain, just in case. This is going too smoothly now. Karma is going to screw us on the appraisal.
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Dec 2, 2021 22:05
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moana posted:Motronic rigs the thunderdome to collapse with one touch to a supporting beam, crushing his opponent while he calmly lights up a cigar, the ruins of the dome smoldering around him, the wreckage somehow still up to code the thunderdome is actually goverhaus so there's no chance of it being up to code
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Dec 3, 2021 06:36
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Kind of looking like we Depends on if the relocation package will buy our our house above what we paid for it, or we end up underwater on the deal. In that case we'd rent the condo at a loss at least until the market recovers Our refinance appraisal came in 30k above our purchase price but I think we got lucky we are a youngish family and the appraiser was a mom, I doubt we'll get that lucky again Anyways, has anyone approached a seller about a rent to own scheme? How terrible is this idea? Will sellers even consider this?Presumably we need to cash out the real estate agent their 5% for them to even consider the deal. Googling this, I think what we want is a lease-purchase agreement We're still mostly tapped out from buying our condo, but we're cash flow positive (especially for the low CoL area were moving to) and have a bunch of payouts that happen in 2022 that would allow us to buy in 2022/23 Option B and C is to buy a substancially cheaper house, or rent something that's formally on the rental market and buy/build later. Neither of these options are great because I loving hate moving, and I don't want to do it twice after moving cross country if I can at all help it
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Dec 3, 2021 08:44
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Are all sellers / buyers during the process required to fill out and sign a FIRPTA Certification form? Even when the seller / buyer are US Citizens? Busy Bee fucked around with this message at 09:10 on Dec 3, 2021 |
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Dec 3, 2021 09:07
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I think technically no in a private all cash transaction, based on a FAQ on a Wisconsin government website. If you're going through a lender they may be able to require you to sign it as part of the mortgage agreement I'm not a lawyer though, I'd consult one if that matters to you
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Dec 3, 2021 09:26
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Hadlock posted:Anyways, has anyone approached a seller about a rent to own scheme? How terrible is this idea? Will sellers even consider this?Presumably we need to cash out the real estate agent their 5% for them to even consider the deal. Googling this, I think what we want is a lease-purchase agreement These are almost universally bad ideas/bad deals, particularly for the "buyer". Just on their face why would someone want to loan you money that a bank, who evaluates risk and loans money as their business, doesn't want to? And if they do how are they making up for that risk? It's often both interest rate and TERRIBLE terms, like losing the house and all "equity" if you're 15 minutes late on a payment. Including the very last one. Or huge fees for "buying out" the contract.
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Dec 3, 2021 16:16
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Well, I think I'll be firing my agent after only a few days. We found a sweet 50's ranch on a big lot and went for a visit. It smelled like a bowling alley in the 80's (old cigarette smell, likely smoked in over 65 years) and it had a giant oil furnace connected to an underground oil tank, likely original from the 50's. It's an estate and the prior occupant has been dead for 1.5 years, so we're really smelling 63.5 years of perma-smoke seeping out of the walls. The sellers won't remove the oil tank but were willing to make other concessions, though I will not take on the oil tank liability so we walked even before considering the impossibility of removing the permanent smoke smell. Our agent "didn't really notice the smell" that we found overwhelming (maybe she smokes?) and said we could just paint over it, which we can't. She also didn't have any issues making an offer on a house with a 65 year old underground oil tank. She's been an agent for 20 years and has apparently learned little about acting in the best interest of the client. If we were first time buyers, we very well could have purchased this nightmare of a house. This entire industry pisses me off in that you need to watch every move of everyone involved.
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Dec 3, 2021 18:17
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Magicaljesus posted:She's been an agent for 20 years and has apparently learned little about acting in the best interest of the client. That's how you last more than ~3 years in the industry, unfortunately.
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Dec 3, 2021 18:24
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First time home buyer here who has no idea what he's doing. My brother recommended getting our preapproval from a mortgage broker, but the realtor we met with recommended getting preapproved with a loan officer she works with. Is there an advantage to one over the other?
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Dec 3, 2021 18:46
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Bwee posted:First time home buyer here who has no idea what he's doing. My brother recommended getting our preapproval from a mortgage broker, but the realtor we met with recommended getting preapproved with a loan officer she works with. Is there an advantage to one over the other? The answer is whoever gives you a better rate, and there's no reason not to talk to both. Call a few local credit unions and banks too. It doesn't hurt your credit score to shop around (they ding you for the first pull but not the subsequent ones, within I think alnilam fucked around with this message at 18:53 on Dec 3, 2021 |
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Dec 3, 2021 18:50
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Depends on if you value having a local office you can go to to yell at your lender in person. But the real thing is to just let them both give you their best offers and pit them against each other. I believe you have a 2 week window with credit inquiries for a mortgage that they only count as one check. That way you can shop around without being punished. Edit: one of us is wrong about thist window and I hope it's me.
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Dec 3, 2021 18:51
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No i looked it up and you're right lol, I knew it was 2 somethings, turns out it's weeks and not months
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Dec 3, 2021 18:53
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Magicaljesus posted:This entire industry pisses me off in that you need to watch every move of everyone involved. Basically everyone involved in this process is a salesman: the agents on both sides, the mortgage broker, the inspector, any contractors you hire for inspections/estimates for work, appraiser (please don't open this can of worms again), and of course, the house's current owner themselves. You, the buyer, is the only one bringing actual money to the table; everyone else is trying to leech as much of that money from you as possible, while also maintaining relationships that ensure they continue to find new As a buyer, one should adopt the same stance and mental preparation one would if they walked onto a used car lot. When interacting with someone in this process, always be looking for the angle with which they are attempting to gently caress you.
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Dec 3, 2021 19:03
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B-Nasty posted:Basically everyone involved in this process is a salesman: the agents on both sides, the mortgage broker, the inspector, any contractors you hire for inspections/estimates for work, appraiser (please don't open this can of worms again), and of course, the house's current owner themselves. You, the buyer, is the only one bringing actual money to the table; everyone else is trying to leech as much of that money from you as possible, while also maintaining relationships that ensure they continue to find new But, yeah, it is very important to remember that they are sales people at the end of the day and your interests are not perfectly aligned.
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Dec 3, 2021 19:14
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Get a pre-approval from whoever and put that document in your offer along with a financing contingency Once your offer is accepted by the seller, the pre approval is just fluff, you can now go shop your rate from among 99 other people and get them to bid down
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Dec 3, 2021 19:18
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Sorry guys, what did I miss? I got an erection out of nowhere and knew it had to be interest rate talk.
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Dec 3, 2021 19:20
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Did you all see the video from Better.com CEO Vishal Garg laying off workers that is making the rounds? Seems tangentially relevant enough to post here. https://www.youtube.com/watch?v=X7GVklRqHRY I very nearly went with Better earlier this year. There's no "good" way to do this that won't get screen recorded and shared (that I'm aware of), but what a total bungling.
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Dec 3, 2021 19:25
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I went with Better and it was incredibly smooth, fast, and by far the lowest closing costs & interest rate by a MILE I'm on the 3rd loan servicer since then but I definitely liked my experience with them. Sucks that it isn't a consistent level of quality
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Dec 3, 2021 19:29
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How bad of an idea are outdoor pools?
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Dec 3, 2021 19:41
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pokie posted:How bad of an idea are outdoor pools? They are expensive and time consuming to maintain but if you really like having your own outdoor pool, then they are the only way to have your own outdoor pool. Plenty of people do it and like it 
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Dec 3, 2021 19:43
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alnilam posted:They are expensive and time consuming to maintain but if you really like having your own outdoor pool, then they are the only way to have your own outdoor pool. Plenty of people do it and like it There is a house we'll look at this weekend that has one, and my partner has this wild idea of converting it into a greenhouse. I imagine that would tank the resale value, but still. If we end up going with that place, I want to at least try using it as a pool for one year.
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Dec 3, 2021 19:46
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Like you empty the pool and put plants inside and cover it with acrylic/glass? Seems like it would be a very light-limited greenhouse. Worth noting that pool maintenance (and enjoyment factor) also depends on your local climate. If you live in a place with winter where a greenhouse is useful, you're also talking about only 3-5 months a year of the pool being any fun, and more complicated maintenance, if it is kept as a pool. Idk just some thoughts of mine. I've still known people who live in colder climates who had a pool and loved it, just big pool lovers, more power to them.
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Dec 3, 2021 19:53
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Inner Light posted:Did you all see the video from Better.com CEO Vishal Garg laying off workers that is making the rounds? Seems tangentially relevant enough to post here. https://techcrunch.com/2021/11/30/better-com-gets-750m-cash-infusion-in-new-agreement-with-its-spac-backers/
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Dec 3, 2021 19:56
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alnilam posted:Like you empty the pool and put plants inside and cover it with acrylic/glass? Seems like it would be a very light-limited greenhouse. I had relatives who bought a house with a pool they didn't want and went to the expense of removing it. Spoiler: it was NOT cheap. Leaving it in place to basically just rot wasn't an option for a bunch of reasons, including not having the yard space but IIRC something also about drainage. Oh and it's a big spot for standing water to pool and become a swamp / mosquito habitat so there's that. I'd never look at a house with a pool if I wasn't actively interested in having a pool.
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Dec 3, 2021 19:56
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Family I grew up with removed theirs after the kids left because it was a cost nightmare, and it was a cost nightmare to remove it, too. I think it was like fifteen grand or something.
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Dec 3, 2021 20:00
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