[ljinvestor]

Check out Spartaflex through Perkins Custom Coatings. I’ve used them on 5 or 6 homes and it always comes out great. Make sure Paul comes out for the quote.

[ljinvestor]

Ask the GC Sunset West Development who recently did a house a couple doors down.

[ljinvestor]

There is a guy who has been building a lot of those row type homes in PB the last few years. You might want to look him up and see what he would offer. His name is Rob and I believe his company name is “The Beach Builder”

One or two others have also built a bunch of those homes in PB over the last 15 yrs but I’m not sure of their names.

[ljinvestor]

Contact Jim the Realtor (Jim Klinge) if you want a fair assessment of your home. His contact info and blog is at bubbleinfo.com. It doesn’t sound like the property has too much deferred maintenance, but if it does you have investors like Tom Tarrant who will pay cash and close escrow quickly. Hope that helps.

[ljinvestor]

Been in the insurance industry for 15 years and at your age a 20yr term for $2100 would mean they are giving you the Pref Best health rating. MetLife, AIG, Banner, & Protective are some of the most competitive for that term, age, health class, & amount.

If you feel that’s what you need then take it. Most policies allow you to lower the death benefit later on if necessary. You could also consider 15yr term and save $500-$600 year off the 20yr.

[ljinvestor]

Even if you have a good contractor, the city doesn’t always make it easy to build on undeveloped lot.

[ljinvestor]

So what was window manufacturer solution…no Low-E glass?

[ljinvestor]

If it was recently rebuilt from the studs they should have permits on file with city which you can check on.

[ljinvestor]

Is it an investment property? Most hard money lenders don’t do primary residences. You are also looking at 2-4 pts plus rates of 10-12% and 65-70% LTV. What is your exit strategy?

[ljinvestor]

If you are an all cash offer then I would say little to no disadvantage.

If you are the only reasonable offer in play, then little to no disadvantage.

If you are in a multiple offer situation and contingent on loan then you might be lower in the pile if offers.

No matter what brokerage an agent is associated with, the good ones prefer to work with others that have strong track record of closing deals if it’s a multiple offer situation

[ljinvestor]

John Bowley with Master Specs.

I know some companies do testing and removal but he just tests. Also one of the best home inspectors I’ve ever met.

[ljinvestor]

I like the Milgard Tuscany series. Reasonable price and Milgard has good customer service.

My parents recently did vinyl retrofit and since they are part of a very active HOA I recommended they use a company for everything. They ended up using Newman and were pleased with the results and service.

[ljinvestor]

I’ve made offers before where the seller wanted me to get pre-approval from their lender. Both times they were bank owned and in one case I was told I had to or they wouldn’t review (I truly don’t think they did as I didn’t receive a counter) and the other time the sellers agent was familiar with my mortgage broker so they didn’t require.

If you want the property bad enough and the price is right, then perhaps you play by the sellers rules. If your really worried about providing your info to a new mortgage broker then just ask your agent to try again with your Penfed pre-approval, credit scores, and verification of funds.

As far as your agent relationship, just be honest with her and remind her that she needs to back off a little.

I agree with HLS about keeping that security deposit safe and not waiving loan contingency until funded.

[ljinvestor]

Why not sell it to them or someone else now? Seems like too many variables between today and 9mo from now.

[ljinvestor]

HLS- Besides agents selling people on investing in property, what else out there currently doesn’t seem right to you?

I have no desire to own long term rental property but would maybe try vacation rental. For those investors who have had long term rental properties for the past 10+ years are tenants getting better or worse?

[Author]

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