Home Buyin/Maintenance Thread - Where most of us are 30ish but act 47. Oh, and fuck home inspectors

Discussion in 'The Mainboard' started by Swim Cantore, May 4, 2015.

  1. Bruce Bowen

    Bruce Bowen Well-Known Member
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    Words hurt ya know
     
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  2. slogan119

    slogan119 Her?
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    That’s why I paid for delivery AND installation
     
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  3. slogan119

    slogan119 Her?
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    Yes, fridge doors.

    They did have to remove the door in our garage to bring the washer and dryer in.
     
  4. slogan119

    slogan119 Her?
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    Had to remove both house door and fridge doors to get it in.

    But it’s up and working now.

    Also had to take down a cabinet above the old fridge, the false extension behind it, remove some wallpaper behind both, and paint the area. So yeah, “getting a new fridge” was a fucking weekend project.

    And we still need the plumber to come install the water line, so those shenanigans have yet to begin.
     
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  5. fish

    fish Impossible, Germany
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    I bought a kit similar to this and ran a water line to our fridge. Luckily, I only had to drill through 3 cabinets but it was pretty simple.

    https://a.co/d/e3o8VrE

    It's pretty easy.

     
    #39705 fish, Mar 25, 2024
    Last edited: Mar 25, 2024
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  6. slogan119

    slogan119 Her?
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    Yeah, I want to come up through the subfloor
     
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  7. ned's head

    ned's head Well-Known Member
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    Got some hail last week and had an inspection. Guy made it sound like everything in and around the house is damaged (roof, gutters, fence, garage door, etc.). Look at the pics and I see things like a downspout dent that has no bearing on the utility.

    How would I know if I actually need a roof, vs someone recommending one because it's an easy time to get one via insurance (not saying he's doing this, just wondering how to tell). Roof is like 8 years old and was perfect during our inspection last summer
     
    dump likes this.
  8. One Two

    One Two Hot Dog Vibes
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    Get multiple quotes/inspections and don’t tell them what the other guys found. My neighbors caught a contractor faking hail damage with a hammer on a follow up inspection.
     
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  9. ned's head

    ned's head Well-Known Member
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    :roll:

    That's incredible
     
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  10. Jorts

    Jorts "Ask about my Mortgage Services"
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    Definitely get additional quotes, as this sounds like an attempt at insurance fraud. The claim will follow you for 5 year & impact premiums/insurability & not something I'd want following me in unnecessary.
     
  11. Andy Reocho

    Andy Reocho Please don't get lost in the sauce
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    Only kind of SIAP

     
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  12. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    Is that quote for a VA or FHA loan? How many points are they charging you for it?
     
  13. One Two

    One Two Hot Dog Vibes
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  14. buy_dont_lease

    buy_dont_lease Ha ha ha. What a story, Mark.
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    Ned should get additional inspections/opinions if he is concerned about the strength of his potential cliam, but he is in NTX where damaging hail events are prevalent, and there were recent storms. Insurers are known to deny/non-renew policies on homes found to be hail-damaged. Homeowners are forced to walk a line between the risks of filing claim and getting denied or having a claim history versus doing nothing and risk at a later date being found to fail to maintain the property. Even at 8 years old in Texas, it's not an unreasonable time to start considering replacement if there is recent hail damage; some insurers are reducing the age at which they will agree to fully cover roof replacement, so it is something of which to be mindful.
     
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  15. ned's head

    ned's head Well-Known Member
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    I've got two more inspections lined up. It's such a weird spot to be in...sort of feels like I'm asking mr camel if I should take up smoking
     
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  16. ono

    ono Well-Known Member
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    I had some hail a couple weeks ago and I'm the only house on my street whose insurance denied the claim for a new roof, and only approved some repairs. So I'm in the opposite boat - trying to get a new roof rather than just a few shingle repairs. Insurance is dumb.
     
  17. Carl Brutananadilewski

    Carl Brutananadilewski do what now?
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    Yes if the room is too small you could go too big, but in most cases you won't regret going bigger IMO. We have an 85 in our main bedroom and had an atmos surround sound setup in our old house, was like having a movie theater at home, no ragrets.
     
  18. ned's head

    ned's head Well-Known Member
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    Roof inspector #2: no damage. Lmao
     
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  19. Killy Me Please

    Killy Me Please I lift things up and put people down.
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    It'll just cost you $1.6738291910B dollars to wash your underoos
     
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  20. houtex716

    houtex716 let's have a beach party
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    buyers wanted us to have french drains installed, which are way more expensive than i thought. little ridiculous request but for a cash full price offer i cant complain too much
     
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  21. houtex716

    houtex716 let's have a beach party
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    option period ends in one hour and then i guess we're pretty locked in until closing on 4/12
     
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  22. PeterGriffin

    PeterGriffin Iced and/or sweet tea is for dirty rednecks.
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  23. undrtow

    undrtow learn to swim
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    I’m 2ish weeks from breaking ground on a new construction. I will be peaking my head in this thread often
     
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  24. NoNatty

    NoNatty Keyboard Cowboy
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    We found a property we like and are set up with a builder. The property has been on the market for 6-months, never under contract. They have dropped the price 3%, 3.5%, and 6.5% at two month intervals (the last of which was the first of February). We finally made an offer yesterday that was 16% under asking and they countered today for 5% under asking while moaning about the close time.

    Tempted to tell them to get fucked and enjoy having their land on the market for another 6-months.
     
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  25. Doc Louis

    Doc Louis Well-Known Member
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    Why were they complaining about the close time?
     
  26. NoNatty

    NoNatty Keyboard Cowboy
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    we asked for 120 days close, which is what our builder said is needed for permits, drafting the final plans, and getting the construction loan signed off on by the bank. They want a 40 day close and said they don’t understand why we would need longer. I have never built before, but our builder is highly reputable and I have no reason to think he isn’t right about timelines.
     
  27. Jorts

    Jorts "Ask about my Mortgage Services"
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    Simply the difference between buying a lot & construction to perm financing. 120 is pretty standard for what you’re looking to do.
     
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  28. Funshot Residue

    Funshot Residue Mammoth Stabber
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    Sounds a little sketchy, but hoping it isn't. You've already checked zoning and health stuff right? Perc test, easements, etc? When stuff sits and then they want a fast transaction it always concerns me.
     
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  29. NoNatty

    NoNatty Keyboard Cowboy
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    Zoning is good, house site is county approved, well and septic are also installed/checked. We need the perc test, I believe. Our builder said they have probably put 50-75k into land improvements. There is very little 10+ acre lots available in rhe willamette valley (it’s in between Salem and Eugene Oregon) currently, so I assume the reason that it has been sitting for a long time because it’s priced high and the nearest town does not have a lot of money.

    Our preapproval letter clearly said that it was construction loan. The counter $ was bullshit because I assume they were going to drop the price again next week. The email from the selling agent to our realtor was also really short and that the timeline “doesn’t work for my clients,” like they are in a strong negotiating position.
     
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  30. Funshot Residue

    Funshot Residue Mammoth Stabber
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    Go get'em man. Sounds like a great opportunity.
     
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  31. Russellin4885

    Russellin4885 Well-Known Member
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    All this talk about new construction figured I'd give an update on mine. I've been about to break ground for several months, shit is very frustrating. Been in underwriting since November and was all set to close last week. Two days before closing they tell me regulations have changed and instead of 12 months of reserve funds I now need 24 months. So just need to 2X my cash last second, that's been a lot of fun to try and navigate. There has been some other things that have happened along the way with underwriting that I wasn't too thrilled about too. Through my job I have a couple higher up contacts at this bank that I reached out to to see if they could do anything to help. Took a call with them the other day and basically they said yea, we'd be pissed off too if this happened to us but tough shit.
     
    #39732 Russellin4885, Mar 27, 2024
    Last edited: Mar 27, 2024
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  32. milquetoast

    milquetoast Firm Security
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    LIfe is a zero sum game, my friend.

    Got a decent bonus? Transmission just blew.

    Paid off that car? Now you need a new water heater.

    Never fails.
     
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  33. texasraider

    texasraider thanks
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    Luckily FanDuel exists for just these situations.


    IMG_3688.jpeg
     
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  34. NoNatty

    NoNatty Keyboard Cowboy
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    Got our final offer rejected over 15k. Hope the lot stays on the market for another year.
     
  35. Duck70

    Duck70 Let's just do it and be legends, man
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    Oregon Ducks

    Anyone ever painted the exterior of their house before? Tips? I have some experience with a sprayer but not the full A to Z steps to complete a exterior house paint project. I feel like the prep sucks ass.

    I got a few $6k quotes to paint my 1,000 sqft home and it has made me determined to DIY it
     
  36. Oranjello

    Oranjello Well-Known Member
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    Ask ChatGPT. For real
     
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  37. bigred77

    bigred77 Well-Known Member
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    Power wash the whole thing
    Scrape/sand any loose paint spots, all corners high and low, soffits, etc. Can only be done by hand and basically off ladders
    Power wash again
    Let dry
    Mask off and cover with plastic literally everything. All windows, doors, vents, pipes, brick, sidewalks, driveways, garage, fences, neighbors homes included, move all vehicles including your neighbors vehicles 100 yards away

    Spray

    Wait a few hours and remove all masking
    Enjoy your newly painted home while looking at all the paint you got on your roof, windows you didn't mask well, etc and find out from neighbors two houses down that you're gunna get to pay to detail their cars to remove the paint you got on them
     
  38. texasraider

    texasraider thanks
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    And then look at yourself in the mirror and ask yourself over and over why you didn’t just pay someone to do it
     
  39. fish

    fish Impossible, Germany
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    And if you have a stucco finish, you're gonna need to someone to backroll behind that sprayer.
     
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  40. bigred77

    bigred77 Well-Known Member
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    How very California of you
     
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  41. Duck70

    Duck70 Let's just do it and be legends, man
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    Wow, sounds cheap and very easy!
     
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  42. Duck70

    Duck70 Let's just do it and be legends, man
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    Oregon Ducks

    I always get to this point eventually, but I'm cheap as hell wrt house projects.
     
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  43. Duck70

    Duck70 Let's just do it and be legends, man
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    Oregon Ducks

    lol i actually do have stucco exterior. Pretty rare here in Oregon.
     
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  44. Redav

    Redav One big ocean
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    Even I didn't think twice about paying someone else to paint my house
     
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  45. NoNatty

    NoNatty Keyboard Cowboy
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    After rejecting our final offer, the owners of the property dropped the price of the lot another 20k. Their realtor reached out to ours saying that if we could cut the close time, he thinks that they would be interested. We called our lender and ultimately got it worked out for a land loan then construction loan, but we would have to pay closing costs twice. We’re fine with that but not moving our price then.

    Our realtor called theirs to discuss, and he forwarded on the below texts directly from owners. Apparently their feelings are hurt that we gave them our final offer instead of going back and forth negotiating for a week. I guess the plan is to let them think about it over the weekend and maybe submit a new offer Monday.

    They bought this property in 2014 for 1/4 of their current asking price, so even with 120k of land work they have allegedly put in, they’re still going to be making over 100% of what they bought it for.

    Screenshot 2024-03-29 at 4.40.51 PM.jpeg Screenshot 2024-03-29 at 4.41.31 PM.jpeg
     
  46. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Fuck those losers
     
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  47. ButchCassidy

    ButchCassidy Well-Known Member
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    Yes, that work that you did previously is what increased the value. Stop crying.
    People get so weird when it comes to selling.
    I’ve heard stories of sellers accepting less money, because the potential buyers wrote them a nice letter.
     
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  48. NoNatty

    NoNatty Keyboard Cowboy
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    our realtor sent those messages and I asked if they were trying to be our friends or if they were trying to sell the property.

    It doesn’t help that their realtor looks like he is 23 years old and has no idea what he is doing.
     
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  49. gilstein21

    gilstein21 Tight Rip 26 Seal Right
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    “You want to sell this shit or not?” Should be the reply
     
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