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    Monday, June 8, 2020

    Real Estate: Guys I just passed my real estate state exam over the weekend.

    Real Estate: Guys I just passed my real estate state exam over the weekend.


    Guys I just passed my real estate state exam over the weekend.

    Posted: 08 Jun 2020 04:41 AM PDT

    Guys I just got my real estate license over the weekend. I haven't decided which company I want to work for yet, since I just passed the state exam this weekend. I am so excited to start the his career, I worked in a real estate office for a year a year ago. I have great experience in follow up, detail, writing up the agreement and contracts, I used to do it all. I finally got the ball rolling for myself, I live in Florida which is a great state to own property. There are no state taxes and it is a lien theory state!

    submitted by /u/saurusblam
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    Offer Accepted (Update)

    Posted: 07 Jun 2020 02:59 PM PDT

    My post wasn't "popular", but I wanted to update just because I'm excited! We found a perfect home with a pool for $270,000. We could have theoretically afforded it, but it would not have been comfortable. It finally dropped to $260,000 a couple of weeks ago.

    We did a showing yesterday, and then wrote an offer for $250,000 the same night. Our old home closed May 29th, so we had no home to sell!

    Got the call today that our offer was accepted! Seller can't do closing until July 31st, but we can live with it seeing as we got our desired price!

    Putting 10% down with an initial rate offer of 3.5%. We will be able to get the interest rate down by the time financing is done!

    We are so excited!

    Edit: With some feedback, I'll clarify the comfortable comment. Asking price was about $200 more in mortgage a month which would have dipped into our fun money. I enjoy shopping and going out to eat, which I will now be able to do more of with our target price! I saw my wording as the "preference" price versus the actual budget limit. We are also saving for our wedding now, so the additional $200 a month will also be helping our wedding fund. But, I appreciate everyone's congratulations!

    Edit 2: Jesus, I'm going to stop commenting to the people knit picking me not wanting to spend an additional $20k on a house. $250k for a house in my area is a lot, $20k DOES make a difference. I'm glad for you if you live in an area and make an income where that difference is insignificant for you. However, I don't think I'm bad with money for wanting to stick with my budget. I would never buy a $250k home in another neighborhood we were looking at because the property tax there is even higher, we dropped our budget an additional $20k for that specific neighborhood & looked at $230k max! Property taxes are pretty drastic in IL, and $20k can make a difference depending on the neighborhood you're looking at.

    So, thank you for your opinions but you don't know my financial situation. We've already had a home that we just sold, so I'm fairly sure I am "ready to be a home".

    submitted by /u/teahammy
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    Buying a flipped house. Sold for ~65k 8 months ago, listed for 210k now.

    Posted: 08 Jun 2020 07:59 AM PDT

    I'm trying to get a good feel of what I should be looking for as I go through this process.

    The house was in terrible condition cosmetically when it was sold last year. Holes in walls, mounted sinks broken, all flooring either severely damaged or entirely removed, vines creeping up siding, etc. It was a foreclosure & it doesn't like like the person living there took kindly to being foreclosed on.

    But it's in absolutely beautiful condition now- it virtually looks like a new home. All the flooring, cabinets, siding, windows, appliances, etc. are brand-new & very high quality. GFCI outlets where they should be, new deck, tall baseboards & matching trim throughout the entire house. They definitely didn't go cheap on any of the immediately obvious materials.

    We'll be doing our inspection sometime this week. I'm just wondering what sort of things you'd want to pay closer attention to on a flipped house than you would for a typical sale. I've really liked what I've seen & I'm trying not to let something large slip by because I'm busy staring at the giant finished basement & shiny new everything.

    submitted by /u/snatchasound
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    What national firm offers the best training?

    Posted: 08 Jun 2020 09:05 AM PDT

    The title pretty much sums it up. For all my experienced brokers out there, what national or larger regional firm do you think offers the best training/education for new brokers?

    submitted by /u/WideBank
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    Can a landlord check tenants credit several months into a lease?

    Posted: 08 Jun 2020 03:54 AM PDT

    I live in the state of NJ. I opted to use my security deposit (as is my legal right since Governor Murphy Signed Executive Order 128 Allowing Tenants to Use Security Deposit to Pay Rent On April 24, 2020)

    I wrote management a short letter, stating that I would use my security deposit for May rent, and I will be paying June rent (I am still in the grace period)

    I saw my credit got dinged today, due to a hard credit check by the management company that owns my building.

    Is this legal? I'm afraid they may take revenge on me and keep doing it. I have 800+ excellent credit.

    submitted by /u/HapticChange
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    Home near a coal mine?

    Posted: 08 Jun 2020 08:40 AM PDT

    We are looking at a home next to a mine. Obviously priced as such but I am wondering how to properly access the property.

    The sellers agent gave us the note: "Above washer & dryer in lower level is a 0smosis Water Purifier connected to special Kitchen Sink Faucet and Refrigerator for drinking. Note recommended that you drink the water from other faucets or spring outside. Mining has tainted the water. It is okay for washing with."

    Has anyone had any kind of experience with something like this? Should we just run?

    submitted by /u/sagewren
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    Buying a Piece of land in front of my house. Value?

    Posted: 08 Jun 2020 08:14 AM PDT

    So, I'm in a unique situation where the property my house (in upstate NY) is on is not in direct connection to the street. Another person owns the land between my house and the street and I have a right-of-way/easement agreement to be able to use that land to be able to get to my house. This property has been in my family since 1972 and we have cared for the other owners property in front of my house since then. The piece of property in front of my house is part of a larger lot that runs down one side of my house as well. On the back side of my house is a lake, and on the remaining side is a public beach. I would like to approach the owner of the property in front of my house and see if they would be willing to subdivide the plot so they can keep their lake access with the land next to my house but I could buy the property in front of my house. I would like to approach the property offer to buy this piece of land in front of my house buy I don't know how to evaluate the value of a 0.5 acre plot of land directly in front of my house and I'm hoping someone here can help. I feel like the land is probably not valuable to anyone but me since I have the right to use the land to access my house already. Also since we've been caring for the land for the past 48 years I think that gives me some invested value into the land already. My insurance agent (who is also a friend) has mentioned to the other land owner that I would be interested in buying this piece of property and from what she told me they seem receptive to that proposition.

    How can I determine the value of this piece of property so I can approach the current owner with a fair offer?

    submitted by /u/mtimber1
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    Purchasing in new development

    Posted: 08 Jun 2020 10:07 AM PDT

    TL; DR Is there a strategy to be able to buy a specific unit in a new housing development project?

    What strategies can I use to purchase a specific lot in a new development?

    There is a townhouse development I am interested in, however the unit(s) I'm interested in 'aren't for sale yet' meaning they only sell specific units as they build them. The units I am interested in are already planned for - meaning they have the permits and lots marked with building plans created so you know which housing plan is going to be built there.

    The units don't seem to be following a standard number order (ie 1, 2, 3, 4, 5..etc) instead they are starting with certain groupings. 1 in each 4plex. Lot #62, Lot #75, Lot#9, Lot #3.

    When I asked for information from their salesperson, they informed me the lot(s) I'm interested in would begin builds in Spring 2021 - I'm sure in an effort to get me to purchase units currently for sale. Would not give/discuss how to secure a specific lot, only redirect me to current ones for sale (while also attempting to appear incredulous as to why I would want something not listed for sale yet).

    If the builder had a person interested in a particular unit for sale wouldn't they want to sell that?

    submitted by /u/nrdalert
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    High offer and low appraisal

    Posted: 08 Jun 2020 10:07 AM PDT

    NJ here - selling a SFH and needing advice

    The market here is a madhouse so no introduction is needed. A couple of comp in the area were sold at ~5% higher than listing and another is pending at more than 50k higher than listing.

    We are expecting a landslide of offers for ours as well, certainly with many over listing. However, our realtor warns that accepting high offers may not always be wise as issues can arise if the appraisal comes in at listing, or worse, lower.

    Assuming we go with the standard financing contingency that there will be negotiation if the above happens, what else should we keep in mind when considering the offers?

    Do you guys have any luck negotiate so buyers cover the difference? Meet in the middle? etc? Any important clauses that we should consider during contract review?

    TIA

    submitted by /u/theusernameisnogood
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    We need to replace the roof.

    Posted: 08 Jun 2020 10:04 AM PDT

    We have wind damage and want to go through the insurance company. We are in R.I. I was hoping someone had experience with this and how it works. What should I expect?

    submitted by /u/brownroomshit
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    Buying a condo in Bronx NY

    Posted: 08 Jun 2020 09:59 AM PDT

    Hello, I am considering buying a condo in the Bronx or near by Westchester area. The closer to the city the better! I'm looking in the range of 150k, maybe a bit more. Can anyone suggest the best way to look around for properties or any sites I can use. All of the popular real estate sites / google searches are misleading and most of the time give me co-ops listing and NOT condos.

    submitted by /u/thepuffitupman
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    What updates and styles are considered "timeless" or at least "not trendy"?

    Posted: 08 Jun 2020 09:51 AM PDT

    hardwood floors come to mind. maybe some beautiful functional and exposed beams.

    what else?

    i am on the house hunt and will likely either be buying something that will need updates or has been recently updated and i'd like to avoid trendy BS as much as possible.

    submitted by /u/Heavy_Cheddar
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    Home inspections: Anyone have additional advice for home inspection.

    Posted: 08 Jun 2020 05:59 AM PDT

    Home inspection was completed and I sent response to Seller. There was a damaged truss when the house was built that was discovered. We also have additional items. Any advice general and specific that you would like to share?

    submitted by /u/go_fight_kickass
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    Tips for First-Time Land lord

    Posted: 08 Jun 2020 09:22 AM PDT

    Hi All, hoping to get some feedback for a first time land lord.

    I purchased a property in Baltimore City and am working through the process of getting it inspected/registered with the city. I'm hoping to have it ready for showing by July 1 for immediate renting (expect renters by September 1, realistically).

    I am not looking to hire a property manager as this is my first rental and I live 5 minutes away from the property. I do have a handyman at my disposal when work is needed.

    Looking for recommendations on the below:

    -A site to allow candidates to apply for background checks and fill out applications?

    -I currently am the owner of the house and have created a LLC. What is the process of moving the house to the LLC as the owner?

    -For escrow accounts, should I open a bank account specifically for escrow?

    -Best places to advertise the house online. Planning to start with FB marketplace and local FB groups, and move over to CL if I do not have any luck.

    Any other tips and pointers would be appreciated as well.

    Thank you in advance.

    submitted by /u/mjccjm77
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    First time home buyer, when’s the right time?

    Posted: 08 Jun 2020 08:56 AM PDT

    I'm 22 living in Canada, I currently pay 850$ for rent. No other expenses minus a phone, and groceries. I have no debt and building my credit up. I have 20k in savings and saving more each day.

    I'm very business minded and motivated. I have always wanted to flip houses and rent them out but not sure when the right time is to start, or how to start. Those who own several properties or flip houses, how and when did you start? Any positive feedback is greatly appreciated. Just searching for possible future paths in life! Cheers

    Average rent in my city, "1000-1500" Average house cost, "150k-300k"

    submitted by /u/deactivated-accountt
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    Found dream home $60k+ than I was hoping for. What should I do?

    Posted: 08 Jun 2020 08:05 AM PDT

    Hi all. We we are in DC which means this is a crazy crazy CRAZY market and extremely competitive. With this said, we found an amazing well maintained colonial home. Hasn't been remodeled at all nor touched by a developer. Disclosures don't show anything alarming, roof 5-10 yrs old. It's wonderful. It's everything we need/ want. BUT it's $60k over what we want to pay. Should we go for it? Or let us pass and hope that one day we come across the same house for $60k less?

    edit: added link

    Zillow Listing

    submitted by /u/tip_toes
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    Nervous about mortgage underwriting

    Posted: 08 Jun 2020 07:55 AM PDT

    Hello all,

    I posted in r/FirstTimeHomeBuyer earlier and received only one response so I thought I'd try here since the real estate group is larger and is full of sound advice.

    I've been pre-approved for a mortgage for 430K with a local lender. Just went under contract for a house at 425K. Getting a little nervous about the underwriting part now due to my employment history.

    Some facts:

    • In the last 2 years, I was self-employed making 120K but then took a break from working for about 4 months to study for my architectural registration exams. I got my registration and went to work full time as a W2 employee at firm A.
    • 3 months into working at firm A (salary of 80K), I got a job offer at a much larger firm (firm B) with a better position.
    • Currently a W2 employee firm B making 90K per year
    • Have been employed at firm B full time for 6 months
    • Have 32K ready for down payment and some closing (seller has agreed to pay half)
    • No debt, credit score of 760

    I'm providing a letter of explanation with a full breakdown of my employment history. Also enclosing a copy of my architectural registration, offer letter from current firm, employee verification letter and receipts from our landlord to show that even during my break from work/unemployment I paid rent on time each month.

    Do I have anything to worry about? Is there anything else I should provide for the underwriter?

    Thanks in advance!

    submitted by /u/pattysredditacct
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    What is the average monthly mortgage payment for first home time buyers ? GTA

    Posted: 08 Jun 2020 07:53 AM PDT

    Just curious to compare our potential mortgage payment of $3,300 in Newmarket, first home time buyers

    submitted by /u/Gudkovich
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    Waiving class requirement to take salesperson exam in MA?

    Posted: 08 Jun 2020 07:47 AM PDT

    I'm currently a senior in college studying risk management and have taken multiple real estate courses, both commercial and residential. Not only did the professors say it would be a good idea to get a salesperson's license before graduation, they claimed some states may accept real estate college coursework to waive some or all of the class requirements. Problem is, in MA I can't find anything at all with info on this possibility. Does anyone here have experience with doing that, or were those professors mistaken?

    submitted by /u/jshelton201
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    Ami legally obligated to use the real estate agent?

    Posted: 08 Jun 2020 06:57 AM PDT

    Signed contract with real estate agent in Oregon to sell some residential property. I am thinking about selling it to a long time family friend. Am I legally obligated to sell using the agent? Since technically I found the buyer are they entitled to half the commission? There is no rmls number yet. Can we negotiate at least one side of the agents commission?

    submitted by /u/kieranmullen
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    First home Inspection tomorrow, any good questions to ask?

    Posted: 07 Jun 2020 08:09 PM PDT

    First time home buyer here, got under contract a couple weeks ago and the home inspection is tomorrow. My realtor recommended this inspector because he's great at what he does and is willing to explain everything and point things out if the buyer is present.

    So I plan on being there tomorrow morning during the inspection and basically become his shadow and following him around. What are some questions I should ask? Or be familiar with going into this inspection.

    Things about the home:
    -Built 1995
    -Crawl space
    -Neighborhood had some tornado damage a couple months ago.
    -roofing was replaced last month (I assume it got some hail damage during the storms).
    -I don't believe it has radon ventilation, but a radon test was put in on Friday. Inspector will check the test tomorrow while we're there.

    submitted by /u/Salami-Slap
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    Letter to buy unlisted house advice

    Posted: 08 Jun 2020 06:42 AM PDT

    Hey, I've been eyeing a house for a while now. I wrote a letter basically saying we're a family of 5 and our rental is getting too small, that I'm not trying to get a good deal or penny pinch - I realize it's kind of a good deal if you don't have to get in a bidding war but the seller would also keep the potential 6%/60k of using an agent. I tried to list out the benefits of me buying their house.. People not coming through their house constantly during all the covid stuff, no commission, will buy house as is within limits, flexibility to move up to 3 months and would help with closing costs if it makes sense. Then basically listed out steps: we'd discuss a ball park price to make sure we don't waste each other's time, I'd get an appraisal and pay over what that comes in at, then get an inspection and go from there. I say I'm not trying to get a great deal and the best deal for me would be getting a home to live in forever with my family.

    As a homeowner how would you feel about the letter ? Anything I should leave out ? And what would be the most effective way to get the letter to the owners ? My biggest fear is sending an envelope that's addressed to "homeowner" and that it will get thrown out as junk so thinking of sending some sort of thick poster board kind of a flyer. Looking for any and all feedback and insights!

    submitted by /u/listentovol4
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    Preapproval letter before viewing

    Posted: 08 Jun 2020 06:11 AM PDT

    Hello

    We have been looking at house listings for a few months now. We saw a home in a completely different area that we expressed some interest in viewing. The sellers agent is asking us for a preapproval letter prior to viewing the home. Is this common practice out there, is it Covid related to limit exposure, or is it shady?

    I'm a first time home buyer. Thank you for your help!

    submitted by /u/ratttttty
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    Condos and special assessments

    Posted: 08 Jun 2020 05:43 AM PDT

    I'm looking to buy a condo and getting frustrated with the information on all of the units I'm interested in being misleading. Some have unpaid assessment balance built into HOA fees listed, others don't mention anything at all until i inquire, others have the assessment paid off and bake it into the asking price, but it's impossible to tell which is which from looking at the listing information.

    3 questions:

    1. Is there any way to compare apples to apples and find out what the baseline amount of monthly hoa dues is and what the hoa special assessment balance is? Is this information my realtor should have visible to them in the MLS, or is inquiring with the seller's agent really the only way?

    2. Is it common practice for seller to use their unpaid assessments as negotiation technique? They list condo for certain price and then, when inquired, they state the price presumes the buyer has to pay assessment balance. Why is their assessment balance the buyer's problem? Is there nothing at all legally obligating them to pay of the balance as a condition of sale and then list the condo for whatever they think the fair market value is, so the buyer doesn't have to jump through negotiation hoops like, "ok I really like your condo so I guess I'll take on the balance or 50% or whatever of your assessment that you were paying off for the last year and now decided to sell and stick someone else with paying the remainder of"?

    3. Why not disclose everything upfront about costs already assessed that are due for HOA projects and not waste buyers' time?

    submitted by /u/formerlyjane
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