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. Imurhuckleberry

    Imurhuckleberry Avid spectator of windmill warriors
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    Anywhere with those illite rich soils it's an issue. Still dealing with that in OKC.
     
  2. AptosDuck

    AptosDuck Pedantic Hausfrau
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    Cabinetry should be stained and finished, not painted
     
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  3. pperc

    pperc Well-Known Member
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    Lots of cabinetry is spray painted and not stained
     
  4. AptosDuck

    AptosDuck Pedantic Hausfrau
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    California Golden Bears

    ABOMINATION
     
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  5. pperc

    pperc Well-Known Member
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    Haha
     
  6. infected donkey

    infected donkey Arkansas Razorbacks
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    God damnit fuck home appraisers, had one come by the other day for a refi, All houses in my neighborhood going for $155/sqft. for older houses. Says ours is only worth $145/sqft. Despite being newer.....

    His appraisal based on similar houses is not from the same town or neighborhood
     
  7. bigred77

    bigred77 Well-Known Member
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    This is probably the same guy who doesn't understand why a smart oven would be cool
     
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  8. infected donkey

    infected donkey Arkansas Razorbacks
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    This is what I wanted to wake up to and Now I'm fucking livid.
     
  9. pperc

    pperc Well-Known Member
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    You can appeal right?
     
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  10. Bruce Bowen

    Bruce Bowen Well-Known Member
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    :respek:


    Thanks fellas, I have faith
     
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  11. infected donkey

    infected donkey Arkansas Razorbacks
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    I literally just woke up so not in the mindset of figuring this out yet.
     
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  12. DriveByBBQ

    DriveByBBQ Well-Known Member
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    Snakes

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    Choosing the Best Wireless Router
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    MORE ON WIRELESS ROUTERS
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    Why It's Time to Buy a WiFi 6 Router
    November 24, 2020

    [​IMG]
    How to Upgrade Your WiFi Network in 2021
    February 6, 2021

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    Best Wireless Routers of 2021
    March 18, 2021

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    Read more on getting a stronger WiFi signal throughout your house.







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    WiFi Standards
    As of early 2021 the tech world is starting to transition away from the WiFi standard known as WiFi 5 toward WiFi 6, which is faster and boasts better support for more devices connected at the same time. You can still use older, WiFi 5-certified devices like smartphones and laptops with WiFi 6 routers, but you won’t receive the full advantages of WiFi 6 unless the device you’re using is certified for the new standard. For more on WiFi 6 be sure to read this article.

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    [​IMG]

    Wireless Router Ratings by Consumer Reports
    Features to Consider
    LAN Ports
    LAN (local area network) ports are used to connect a computer to the router using an Ethernet cable. Many internet-connected smart home devices, such as Philips Hue and Samsung SmartThings products, require a LAN port-connected hub to function. If you need more LAN ports than the router has, you can expand the number available by adding an Ethernet switch, which is sort of like a power strip that adds open Ethernet ports.

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    Also called media prioritization or traffic control. If you’re the type who likes to play with your computer settings, you might appreciate the flexibility this feature offers. You can optimize the router’s performance depending on what you’re doing at a given time. For example, you can change the settings to work best for streaming videos, making Skype calls, playing games, or streaming music. It will give those applications more of the bandwidth—so, for example, your Netflix movie doesn’t pause and rebuffer because someone in your house is downloading a large file.

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    Wireless Router Ratings
     
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  13. DriveByBBQ

    DriveByBBQ Well-Known Member
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    I'm licensed as a CG appraiser if you want me to look at it feel free to send a DM.

    Knowing nothing about the subject and playing devil's advocate, if the property is newer construction with atypical design relative to those found in say a historical neighborhood there could be a case made to make an adjustment for design obsolescence. Could possibly explain why the appraiser pulled comps outside the neighborhood as well.
     
  14. NoNatty

    NoNatty Keyboard Cowboy
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    Our lender told us today that due to changes in the jumbo market with self-employment we now need to pay off 50k of auto loans.

    We’re set to close in ideally in 2.5-weeks.
     
  15. comrade static

    comrade static i love french fries
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    he can, but good luck getting an appraiser to admit they did their job wrong.

    I had two of my own properties that I’ve tried to appeal and submitted 5 comps showing why I was right, and zero response from the appraiser. I’ve had customers appeal and they ghost them too.

    hell, last summer one of my customers had to have an exterior only appraisal and the fucker went to the wrong house. Did he correct it? Of course not. We had to foot the bill for a different appraiser to go out to the correct house.

    fucking bane of my existence.
     
  16. bigred77

    bigred77 Well-Known Member
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    Wait. How much in auto loans do you have?
     
  17. NoNatty

    NoNatty Keyboard Cowboy
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    50k between two vehicles. We have to pay off both of them.

    Let’s keep this focused on my lender’s huge fuck up though.
     
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  18. scarlet_tacos

    scarlet_tacos Well-Known Member
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    What a frustrating time to be looking for a house. We’ve lost multiple bids to people waiving the appraisal. We’ve now started saying if it appraises short of our offer we will pay $10k to the seller on top of appraisal price. And the prices are getting crazy. Our last offer went in at $80k over ask
     
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  19. ned's head

    ned's head Well-Known Member
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    It's awful. At least in DFW, our realtor said that appraisals on purchases are keeping pace with the market 90% of the time. Refinancings have had less luck.
     
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  20. DriveByBBQ

    DriveByBBQ Well-Known Member
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    Engineering triad. Good, fast, cheap...pick two.
     
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  21. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    House went up on market and the Zillow description says the sellers are only allowing offers for like three days. What a stupid market.
     
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  22. NoNatty

    NoNatty Keyboard Cowboy
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    we had to do the same thing in Oregon. Our first two offers we were outbid at 15k over (10k appraisal gap) and 50k over (15k appraisal gap).

    We finally got an offer accepted on a house that we put an offer in before it hit the market and we toured it for 5% over asking and 20k appraisal gap. Thank god we actually wanted it.
     
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  23. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    seen a lot of that here

    "accepting offers until 12pm on (date 4 days away), no negotiations will take place make it best and final"
     
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  24. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    we've owned our place for a month and another unit in the building just closed that comps ours to 10% more than we paid

    so that's nice
     
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  25. pianoman

    pianoman my drinks are free
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    That's almost all the homes here in Southwest Ohio. They get listed with description saying best offers by this date, normally about three days. And most of them are off the market even before that.
     
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  26. Tommy Jefferson

    Tommy Jefferson Well-Known Member
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    If some houses are going for this much above asking why aren’t the agents just making the list price much higher to start?
     
  27. ned's head

    ned's head Well-Known Member
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    Asking prices are inflated as well. Doesn't matter.
     
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  28. ned's head

    ned's head Well-Known Member
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    The buyers accepted our counter to their counter to our counter. The prey is about to become the hunter imo
     
  29. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Wife wants to replace the flooring in basically the entire house.

    Considering just moving instead.
     
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  30. CF3234

    CF3234 Fan of: Bandwagons
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    This. Because of Covid, people are fleeing densely populated cities like crazy. New Yorkers who were paying 3.5k a month for a 450 square foot apartment in queens are realizing they can pay half of that for a 4K square foot house on 2 acres in the Georgia suburbs.
     
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  31. pperc

    pperc Well-Known Member
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    LOL - yes, so many people living in NYC (Queens) decide they are going to move to the Georgia suburbs....
     
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  32. CF3234

    CF3234 Fan of: Bandwagons
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    I’m being a bit random with the areas I picked, but that’s absolutely the case. My neighborhood has seen property values skyrocket in the last 6 months. My exact same model with zero upgrades just sold for 150k more than what I paid for it 2 years ago to the day. 75% of the buyers are cash buyers from New York.
     
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  33. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    i get that this was the common claim for a few months but no one really believes it anymore, in the aggregate at least

    https://slate.com/business/2021/02/us-cities-shrinking-why-new-york-los-angeles.html
     
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  34. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    most people also expect the commercial space death to not be nearly as severe as data is showing lots of the people who went remote don't want to continue it long term and neither do most businesses, a return to 85% of pre-covid numbers still hurts that world but people were predicting like forever remote and complete decimation of office spaces, etc that is falling away as a claim
     
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  35. Snakes

    Snakes clumsy interloper
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    I actually know several people who used to split time between Atlanta and Manhattan and are all full time working from home now(in the Atlanta suburbs). People are flocking to lakes, beaches, mountains etc.
     
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  36. Lyrtch

    Lyrtch My second favorite meat is hamburger
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  37. ned's head

    ned's head Well-Known Member
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    Location example aside, texas has seen an influx of people who are leaving california and just paying cash at above market prices because they've cashed out. That gets around appriasal issues and kind of screws the people who aren't cash rich.

    ETA - a few big companies have moved from CA to TX, so our issue may be unique to here
     
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  38. AptosDuck

    AptosDuck Pedantic Hausfrau
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    Santa Cruz County is seeing a huge number of people deciding that living in a shitbox in Silicon Valley or on the Peninsula is more expensive than living by the coast, coming down here and driving up prices. Few locals are selling, so depressed inventory and lots of folks running around waving cash in hand is making for an insane market.* These are tech workers who want to stay somewhat local, but still get the benefits of WFH and lower housing prices (which they're driving up, we'll see where the new equilibrium settles) and cleaner air and cooler vibe

    Downside is that even rentals are insane, and housing costs are driving lower-paid workers further down the Hwy1 corridor to Watsonville and Salinas, but they still work in Santa Cruz so they're added to the commute traffic on Hwy1

    * As I said before, we just got done refinancing and the appraisal came in $250K higher than even our mortgage broker thought our house was worth
     
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  39. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    i'm surprised how few residential projects got cancelled here in the city, one got 3 floors lopped off the top is the only one I know where the original developer bailed, but everyone else just kept cranking out buildings all over, restaurants mostly kept opening after the initial closures and huge capital in flows continue

    I thought the place we were renting would have lowered rents or had occupancy declines but when we moved out the rent went up 2% on it and they said the building was still effectively full for how they operate

    I think it mostly just sped up timelines of already existing shifts
     
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  40. Imurhuckleberry

    Imurhuckleberry Avid spectator of windmill warriors
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    Inspection went well and the view is just incredible. Need to get the lines surveyed though as they seem off. Next up is appraisal.

    Screenshot_20210403-150112.png
     
  41. Simon Templar

    Simon Templar Well-Known Member
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    We’re getting measured this week. I’m dreading it. Only thing we won’t redo is the basement.
     
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  42. WillySaliba

    WillySaliba Well-Known Member
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    We have an outdoor dining table that has three glass partitions. Let’s say they are 2x3 feet each. Looking to get a replacement piece of glass. Is there anywhere anyone would recommend?
     
  43. bigred77

    bigred77 Well-Known Member
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    Marble Falls glass and mirror
     
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  44. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
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    It is the worst time to buy a house and sell a condo around here, and we did both! We closed on our house a couple of months ago and we had 14 competing offers, went 125k above asking and no inspection / mortgage contingency. We lost 2-3 houses by 15-25K and then decided to use an escalation clause for our last offer. There's no inventory in certain towns & price bands. Our realtor listed a house half a mile away from us last weekend, at 1.4 mill, which went 300k over asking, no contingencies.
     
  45. pperc

    pperc Well-Known Member
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    no, i agree. just NYCers are moving to the NYC suburbs. Probably also true of Atlanta.
     
  46. pperc

    pperc Well-Known Member
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    i'm sure there are several. it's not the norm to work in NYC and pick up and move to some far off suburb or rural area in another state. that's going to be by far the exception. On the other hand, moving from the philly to the philly burbs is certainly a trend but I think it's also overblown. my guess is it's just accelerating those who were going to do it anyways a few years from now.
     
  47. pperc

    pperc Well-Known Member
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    Yeah, I think CA to TX is a special case driven by companies moving to Austin
     
  48. pperc

    pperc Well-Known Member
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    just read this. agree on the last point. if you had a kid in the last year, maybe you wouldn't move to the burbs for a few years or until a second kid. now your timeline may have just moved up due to not being able to take advantage of city amenities and preferring the personal space.
     
  49. DriveByBBQ

    DriveByBBQ Well-Known Member
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    pretty sure Boise and Phoenix are the fastest growing metros and have been for the past few years due to the California outmigration. Can attribute some of Nashville’s explosion to the California exodus as well.
     
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  50. texasraider

    texasraider thanks
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    DFW is being overrun with Californians
     
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