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December 7, 2007 at 2:13 AM in reply to: 2nd Public Service about Property Taxes…may even save you money! #111340December 7, 2007 at 1:31 AM in reply to: Just bought a new house, questions on finance and home inspection #111142CA renterParticipant
1. The fact that the builder is telling you the inspection would be a waste makes my skin crawl. I’d hire an inspector ASAP & force the builder to remedy anything the inspector finds. Get a GOOD inspector & tell him/her you want **every detail** checked out.
2. RE: financing… Either the builder has a pre-payment penalty in there (ask a lawyer to review docs!!!) OR they are charging you mega bucks on points (front or back end). Find out EXACTLY what they are charging you — ask about total compensation (front & back end points) — tell them to disclose EVERYTHING. Are you using their lender because that’s the only way to get certain incentives? If so, tell them you demand the same incentives, but will use your own lender (if they are trying to rip you off).
Remember that YOU are in the driver’s seat on this deal & always be prepared to walk away if things don’t go exactly as you request. Best thing to do is not get emotional when dealing with big purchases. There will be plenty of better and cheaper homes to buy over the next few years.
Just MHO.
Good luck!!!
December 7, 2007 at 1:31 AM in reply to: Just bought a new house, questions on finance and home inspection #111258CA renterParticipant1. The fact that the builder is telling you the inspection would be a waste makes my skin crawl. I’d hire an inspector ASAP & force the builder to remedy anything the inspector finds. Get a GOOD inspector & tell him/her you want **every detail** checked out.
2. RE: financing… Either the builder has a pre-payment penalty in there (ask a lawyer to review docs!!!) OR they are charging you mega bucks on points (front or back end). Find out EXACTLY what they are charging you — ask about total compensation (front & back end points) — tell them to disclose EVERYTHING. Are you using their lender because that’s the only way to get certain incentives? If so, tell them you demand the same incentives, but will use your own lender (if they are trying to rip you off).
Remember that YOU are in the driver’s seat on this deal & always be prepared to walk away if things don’t go exactly as you request. Best thing to do is not get emotional when dealing with big purchases. There will be plenty of better and cheaper homes to buy over the next few years.
Just MHO.
Good luck!!!
December 7, 2007 at 1:31 AM in reply to: Just bought a new house, questions on finance and home inspection #111292CA renterParticipant1. The fact that the builder is telling you the inspection would be a waste makes my skin crawl. I’d hire an inspector ASAP & force the builder to remedy anything the inspector finds. Get a GOOD inspector & tell him/her you want **every detail** checked out.
2. RE: financing… Either the builder has a pre-payment penalty in there (ask a lawyer to review docs!!!) OR they are charging you mega bucks on points (front or back end). Find out EXACTLY what they are charging you — ask about total compensation (front & back end points) — tell them to disclose EVERYTHING. Are you using their lender because that’s the only way to get certain incentives? If so, tell them you demand the same incentives, but will use your own lender (if they are trying to rip you off).
Remember that YOU are in the driver’s seat on this deal & always be prepared to walk away if things don’t go exactly as you request. Best thing to do is not get emotional when dealing with big purchases. There will be plenty of better and cheaper homes to buy over the next few years.
Just MHO.
Good luck!!!
December 7, 2007 at 1:31 AM in reply to: Just bought a new house, questions on finance and home inspection #111310CA renterParticipant1. The fact that the builder is telling you the inspection would be a waste makes my skin crawl. I’d hire an inspector ASAP & force the builder to remedy anything the inspector finds. Get a GOOD inspector & tell him/her you want **every detail** checked out.
2. RE: financing… Either the builder has a pre-payment penalty in there (ask a lawyer to review docs!!!) OR they are charging you mega bucks on points (front or back end). Find out EXACTLY what they are charging you — ask about total compensation (front & back end points) — tell them to disclose EVERYTHING. Are you using their lender because that’s the only way to get certain incentives? If so, tell them you demand the same incentives, but will use your own lender (if they are trying to rip you off).
Remember that YOU are in the driver’s seat on this deal & always be prepared to walk away if things don’t go exactly as you request. Best thing to do is not get emotional when dealing with big purchases. There will be plenty of better and cheaper homes to buy over the next few years.
Just MHO.
Good luck!!!
December 7, 2007 at 1:31 AM in reply to: Just bought a new house, questions on finance and home inspection #111334CA renterParticipant1. The fact that the builder is telling you the inspection would be a waste makes my skin crawl. I’d hire an inspector ASAP & force the builder to remedy anything the inspector finds. Get a GOOD inspector & tell him/her you want **every detail** checked out.
2. RE: financing… Either the builder has a pre-payment penalty in there (ask a lawyer to review docs!!!) OR they are charging you mega bucks on points (front or back end). Find out EXACTLY what they are charging you — ask about total compensation (front & back end points) — tell them to disclose EVERYTHING. Are you using their lender because that’s the only way to get certain incentives? If so, tell them you demand the same incentives, but will use your own lender (if they are trying to rip you off).
Remember that YOU are in the driver’s seat on this deal & always be prepared to walk away if things don’t go exactly as you request. Best thing to do is not get emotional when dealing with big purchases. There will be plenty of better and cheaper homes to buy over the next few years.
Just MHO.
Good luck!!!
December 5, 2007 at 3:31 AM in reply to: Moving bank to San Diego; Reasonable price for rental? #109098CA renterParticipantWe rent a 4/2.5 in south Carlsbad for $2,100. We pay 6-12 months in advance, though and volunteer to help with some maintenance & repairs (they have never asked).
Other people in our neighborhood are renting the same floorplan for under $2,000. It really does depend on the LL and whether or not they are paid-off or mortgaged, smart or stupid.
A smart, experienced LL values stable, dependable, clean, long-term tenants over getting the highest rent. It might be a good idea to really screen & look for an elderly LL who owns the house outright & just wants rent money for retirement income/supplement. They want no hassles & if you suggest paying up-front & multi-year lease, you should be able to get a very good deal (consult an attorney about lease agreement & possible escrow acct).
Your negotiation strenght depends on:
1. credit score
2. referrences
3. income/work history
4. (possible) willingness to lease long-term (2-3 yrs+) and any other incentives (offer to do some repairs up to a certain amount, pre-paid rent, etc.)GOOD LUCK!!!
December 5, 2007 at 3:31 AM in reply to: Moving bank to San Diego; Reasonable price for rental? #109206CA renterParticipantWe rent a 4/2.5 in south Carlsbad for $2,100. We pay 6-12 months in advance, though and volunteer to help with some maintenance & repairs (they have never asked).
Other people in our neighborhood are renting the same floorplan for under $2,000. It really does depend on the LL and whether or not they are paid-off or mortgaged, smart or stupid.
A smart, experienced LL values stable, dependable, clean, long-term tenants over getting the highest rent. It might be a good idea to really screen & look for an elderly LL who owns the house outright & just wants rent money for retirement income/supplement. They want no hassles & if you suggest paying up-front & multi-year lease, you should be able to get a very good deal (consult an attorney about lease agreement & possible escrow acct).
Your negotiation strenght depends on:
1. credit score
2. referrences
3. income/work history
4. (possible) willingness to lease long-term (2-3 yrs+) and any other incentives (offer to do some repairs up to a certain amount, pre-paid rent, etc.)GOOD LUCK!!!
December 5, 2007 at 3:31 AM in reply to: Moving bank to San Diego; Reasonable price for rental? #109238CA renterParticipantWe rent a 4/2.5 in south Carlsbad for $2,100. We pay 6-12 months in advance, though and volunteer to help with some maintenance & repairs (they have never asked).
Other people in our neighborhood are renting the same floorplan for under $2,000. It really does depend on the LL and whether or not they are paid-off or mortgaged, smart or stupid.
A smart, experienced LL values stable, dependable, clean, long-term tenants over getting the highest rent. It might be a good idea to really screen & look for an elderly LL who owns the house outright & just wants rent money for retirement income/supplement. They want no hassles & if you suggest paying up-front & multi-year lease, you should be able to get a very good deal (consult an attorney about lease agreement & possible escrow acct).
Your negotiation strenght depends on:
1. credit score
2. referrences
3. income/work history
4. (possible) willingness to lease long-term (2-3 yrs+) and any other incentives (offer to do some repairs up to a certain amount, pre-paid rent, etc.)GOOD LUCK!!!
December 5, 2007 at 3:31 AM in reply to: Moving bank to San Diego; Reasonable price for rental? #109246CA renterParticipantWe rent a 4/2.5 in south Carlsbad for $2,100. We pay 6-12 months in advance, though and volunteer to help with some maintenance & repairs (they have never asked).
Other people in our neighborhood are renting the same floorplan for under $2,000. It really does depend on the LL and whether or not they are paid-off or mortgaged, smart or stupid.
A smart, experienced LL values stable, dependable, clean, long-term tenants over getting the highest rent. It might be a good idea to really screen & look for an elderly LL who owns the house outright & just wants rent money for retirement income/supplement. They want no hassles & if you suggest paying up-front & multi-year lease, you should be able to get a very good deal (consult an attorney about lease agreement & possible escrow acct).
Your negotiation strenght depends on:
1. credit score
2. referrences
3. income/work history
4. (possible) willingness to lease long-term (2-3 yrs+) and any other incentives (offer to do some repairs up to a certain amount, pre-paid rent, etc.)GOOD LUCK!!!
December 5, 2007 at 3:31 AM in reply to: Moving bank to San Diego; Reasonable price for rental? #109254CA renterParticipantWe rent a 4/2.5 in south Carlsbad for $2,100. We pay 6-12 months in advance, though and volunteer to help with some maintenance & repairs (they have never asked).
Other people in our neighborhood are renting the same floorplan for under $2,000. It really does depend on the LL and whether or not they are paid-off or mortgaged, smart or stupid.
A smart, experienced LL values stable, dependable, clean, long-term tenants over getting the highest rent. It might be a good idea to really screen & look for an elderly LL who owns the house outright & just wants rent money for retirement income/supplement. They want no hassles & if you suggest paying up-front & multi-year lease, you should be able to get a very good deal (consult an attorney about lease agreement & possible escrow acct).
Your negotiation strenght depends on:
1. credit score
2. referrences
3. income/work history
4. (possible) willingness to lease long-term (2-3 yrs+) and any other incentives (offer to do some repairs up to a certain amount, pre-paid rent, etc.)GOOD LUCK!!!
CA renterParticipantMark,
Not sure if you’d be willing or able to pull it off, but might consider offering X number of months in advance.
With our current LL (since mid-2004), we paid 12 months in advance for the first year and 6 months in advance from that point forward.
Of course, you really need to trust the LL & I’d suggest having an atty come up with an agreement that YOU give the LL regarding escrow accts, LL credit reports, etc.
With a good FICO, advance rent payments & good references, you will have no problem negotiating whatever you want. Also, if you plan on renting for awhile, you could consider offering a two or three-year lease agreement. Talk to an atty & see what you can come up with.
Good luck!
CA renterParticipantMark,
Not sure if you’d be willing or able to pull it off, but might consider offering X number of months in advance.
With our current LL (since mid-2004), we paid 12 months in advance for the first year and 6 months in advance from that point forward.
Of course, you really need to trust the LL & I’d suggest having an atty come up with an agreement that YOU give the LL regarding escrow accts, LL credit reports, etc.
With a good FICO, advance rent payments & good references, you will have no problem negotiating whatever you want. Also, if you plan on renting for awhile, you could consider offering a two or three-year lease agreement. Talk to an atty & see what you can come up with.
Good luck!
CA renterParticipantMark,
Not sure if you’d be willing or able to pull it off, but might consider offering X number of months in advance.
With our current LL (since mid-2004), we paid 12 months in advance for the first year and 6 months in advance from that point forward.
Of course, you really need to trust the LL & I’d suggest having an atty come up with an agreement that YOU give the LL regarding escrow accts, LL credit reports, etc.
With a good FICO, advance rent payments & good references, you will have no problem negotiating whatever you want. Also, if you plan on renting for awhile, you could consider offering a two or three-year lease agreement. Talk to an atty & see what you can come up with.
Good luck!
CA renterParticipantMark,
Not sure if you’d be willing or able to pull it off, but might consider offering X number of months in advance.
With our current LL (since mid-2004), we paid 12 months in advance for the first year and 6 months in advance from that point forward.
Of course, you really need to trust the LL & I’d suggest having an atty come up with an agreement that YOU give the LL regarding escrow accts, LL credit reports, etc.
With a good FICO, advance rent payments & good references, you will have no problem negotiating whatever you want. Also, if you plan on renting for awhile, you could consider offering a two or three-year lease agreement. Talk to an atty & see what you can come up with.
Good luck!
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