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Down payment assistance

I am saving up for the down payment on a co-op apartment here in NYC. I'll estimate the sum of said payment to be in the $30-$50K range, based on current co-op prices and a down payment requirement of 20%. [more inside]
posted by the hot hot side of randy on Sep 15, 2014 - 17 answers

Should I cash out my golden ticket?

My home is worth at least 2x my mortgage. Should I sell or hold on? [more inside]
posted by momochan on Sep 13, 2014 - 20 answers

How much does a good school matter?

Please help me think about whether it is worth moving to a better school district. [more inside]
posted by anonymous on Sep 4, 2014 - 27 answers

New Jersey explain yourself

Help me understand the world of commuters to NYC living in New Jersey. Which towns would be best for me 'N' my fam? How do people do it? [more inside]
posted by Potomac Avenue on Sep 3, 2014 - 20 answers

investment property novice seeks… uh… what should I seek?

This question is for the Askmefi'ers who own or have owned rental properties in the USA, especially if you've used a property manager to manage it for you. Please tell me everything. [more inside]
posted by fingersandtoes on Sep 2, 2014 - 10 answers

Which of these two offers on our house should we pursue?

Complicated situation with two competing offers on our house (Missouri, USA). What should we do? [more inside]
posted by slenderloris on Aug 27, 2014 - 19 answers

Screaming kids are my neighbors, and I am at a loss

I'm debating letting my neighbors know that we can really hear their kids screaming, but I'm not sure if I should. Talk me into or out of it. [more inside]
posted by juniperesque on Aug 26, 2014 - 38 answers

Save me from suburbia!

So, our neighborhood has never been the awesomest in terms of violent crime and drug stuff (in Toronto, btw), and some sudden recent changes are about to make it even less awesome. We have little kids. We bought this house ten years ago as a "starter home we'll sell in two years" and just... never left. Now we'd like to leave. But where do we go? [more inside]
posted by lizifer on Aug 23, 2014 - 16 answers

What areas within 5 hrs of New Jersey have cheaper real estate?

My fiance and I live in NJ and work at a major pharmaceutical company as scientists making decent money. What cities/towns within a 5 hr drive of north Jersey have cheap real estate where it's realistic to buy a house for < $250k yet still have major pharma/chemical/related employers? [more inside]
posted by never.was.and.never.will.be. on Aug 22, 2014 - 6 answers

New York noob needs apartment quickly

My daughter was fortunate enough to get a job in Manhattan right after graduation. Now she's looking for an apartment for 9/15 or 10/1 and is feeling overwhelmed because she's not familiar at all with the area. Help! [more inside]
posted by stupidsexyFlanders on Aug 22, 2014 - 49 answers

NYC plumbing cost. Recommendation for queens/north brooklyn plumbers?

We're doing a pre-war renovation in Jackson Heights, Queens, NYC where our co-op requires we have a plumber replace the branch piping, new valves and shower pan for both the bathroom and the branch piping/valves in the kitchen. Questions: i) Is the below cost estimate reasonable. ii) Any recommendations of pre-war savvy licensed/insured plumbers in Queens or North Brooklyn? [more inside]
posted by lalochezia on Aug 22, 2014 - 0 answers

Where to live in the Capital Region (upstate NY)?

We may be moving to upstate NY, and would like advice about where to live. We're looking for an apartment right now, but would hopefully be looking for a house at some point. [more inside]
posted by Kriesa on Aug 21, 2014 - 6 answers

What should I know before buying a house in Seattle?

What should I know before buying a house in Seattle? We have a pretty good sense for the neighborhoods (leaning toward Queen Anne or Magnolia) but... How does one find a good real estate agent? (How important is that?) Are there some months that are much better/worse? (We can rent a while before we buy.) Other stuff?
posted by CruiseSavvy on Aug 20, 2014 - 8 answers

How much does it cost to build a house?

We just moved to northern Bergen County, NJ, and notice that a lot of the older homes in our neighborhood are being sold, torn down, and brand new houses are being built on the property. How much does that sort of thing cost? [more inside]
posted by ThePinkSuperhero on Aug 10, 2014 - 11 answers

Walking away from a Canadian mortgage

I want to walk away from my home and mortgage because I purchased a tainted property. The fellow next door is a (locally) notorious ex-convict and sex offender. [more inside]
posted by anonymous on Aug 6, 2014 - 12 answers

Loan for renovation of NYC Co-Op Apartment ? (no HELOCs/mortgages)

Loan for renovation of NYC Co-Op Apartment? (no HELOCs/mortgages). [more inside]
posted by lalochezia on Aug 5, 2014 - 4 answers

When is a home inspection report useful?

I am buying a house and wondering whether a written home inspection report is much more valuable than an informal verbal report. [more inside]
posted by no1hatchling on Aug 2, 2014 - 14 answers

Seeking a little patch of land under big skies

tl;dr: If you were looking for a place in the U.S. where you could own some land, in beautiful, lonesome country (utilities entirely optional) -- ideally in the mountains or the high desert -- on which to live intermittently throughout the year, where would you look? [more inside]
posted by deathmarch to epistemic closure on Jul 29, 2014 - 28 answers

Reinvesting tax break

My father owns several acres of land that was given to him by his father when he was 16 or so. He is finally trying to sell it. He is under the impression that after the age of 55 (he is in his 60's and retired), you are entitled a one time tax free reinvestment. Is this true? [more inside]
posted by MayNicholas on Jul 25, 2014 - 13 answers

Moving to the Bay Area -- where to live?

My spouse is about to be offered a new job that splits time between Emeryville (most of the time) and Redwood City. Where should we look for a house? Bonus earthquake question. [more inside]
posted by anonymous on Jul 12, 2014 - 23 answers

Mortgage dilemma: seems like there is no optimal solution?

This was me a few months ago: Rent or sell my condo at a loss? Well, now I've decided to sell it. But have a question about what to do about my mortgage. [more inside]
posted by myorangesocks on Jun 26, 2014 - 1 answer

Real estate agent recommendations in Manhattan/NYC?

We're thinking seriously about buying a place in Manhattan (and possibly Brooklyn). We have a fairly unique split search (one strand of which is focused on looking for a place that will lower our costs, and the other strand of which is focused on finding a place that might increase our costs a little bit). We need recommendations for honest, intelligent, and very capable real estate agents to help. [more inside]
posted by yellowcandy on Jun 16, 2014 - 6 answers

Regret and home renovations: is it worth it?

I am considering two properties for purchase. One of them is straightforward and the other is complicated (multiple parcels, over 20 acres of land, has tenants living in the cottage, needs to be significantly renovated). I am looking for those with experience to offer advice on whether purchasing a property with major issues like this is worth it. [more inside]
posted by treehorn+bunny on Jun 12, 2014 - 40 answers

NJ Real Estate - Split Listing Question

Hello, I am new in the Real Estate business, and I don't have too many people to ask questions to. I am going to list my parents house for sale as an agent, this woman offered to help guide me through the process if I split the listing with her. She originally wanted 50% of the commission, I told her that was not going to happen, I offered 25%. The way she explained it, is that when my parents sign the listing agreement, both her name and my name have to be on the listing. I am nervous about this proposition, I am wondering if I could somehow get her into a subagency contract for 25%, rather then having her directly on the listing? ------ Thanks, Leon
posted by MrLLG on Jun 11, 2014 - 5 answers

Can my parents make me a mortgage loan?

Trying to buy a house. Have money for a down payment, but I'm self-employed and was turned down for a traditional loan. My parents are willing to lend me the money I'd need for the balance, and have me pay them back with interest, á la a mortgage loan. Is this doable? [more inside]
posted by toomuchkatherine on Jun 5, 2014 - 12 answers

Tell me about owning a vacation rental property in Florida

We are considering buying a second house as an investment property in the Orlando area. We'd rent it out on a weekly basis through a management company. Help us decide whether or not this is a good idea. [more inside]
posted by bassomatic on May 30, 2014 - 4 answers

Where to do (online) real estate training?

I'm going to get my real estate broker license and want to take the required class hours online (90 for WA state). There are a number of sites that offer the classes, however none have impressed me in the least. Is there something out there I just haven't found? [more inside]
posted by shawnmk on May 25, 2014 - 2 answers

Ethical 30-year fixed co-op mortgage in NYC?

NYC MortgageFilter. We want an affordable 30 yr fixed 80% LTV co-op loan that underwrites quickly - but! With either ethical considerations or portfolio from a local lender. Need reccs. for lenders and especially loan officers please; or really savvy NYC mortgage brokers. [more inside]
posted by lalochezia on May 20, 2014 - 6 answers

How big a deal is it to live near a fire station?

Based on your experience, do you think we are going to regret buying a home near a fire station? [more inside]
posted by handful of rain on May 12, 2014 - 40 answers

Details on how to buy a condo/co-op real estate: The Dummies Version

Filter: NYC version or competitive real estate market. I am trying to understand the time table for each step of the process. [more inside]
posted by Wolfster on May 12, 2014 - 11 answers

How do I determine if these shady new neighbors are squatters?

I share a fence with a single family detached home in Nassau County, NY and am concerned that it is being occupied by squatters. Help? [more inside]
posted by waterisfinite on Apr 29, 2014 - 15 answers

How to buy a flat in London?

I would like to ask you for any advice/hints/tips for a complete beginner on buying a flat in London. This is the first time in my life when I am buying a property I am really overwhelmed by this whole thing. That's why I would appreciate any feedback and advice from you. Anything which could help me plan this whole process and do it in a proper, organized and satisfying way. [more inside]
posted by dogbert on Apr 21, 2014 - 9 answers

Finding an apartment without the nasty trash compactor odors

This is a question about NYC real estate, specifically about a building maintenance issue. After many years of renting, I am in the market for a co-op apartment in the five boroughs of NYC. There is a problem with my current building that I am willing to tolerate as a tenant that would be a complete deal-breaker as an owner The issue is this: [more inside]
posted by jason's_planet on Apr 6, 2014 - 6 answers

Tips for auditioning a real estate buyer's broker

My wife and I will be sitting down with a real estate buyer's broker over the weekend as we start our home search. The broker would like to represent us exclusively, which I'm not necessarily averse to, but I'd like your recommendations for how to chose a broker to help us be certain she would be the right fit before wasting our time. [more inside]
posted by Admiral Haddock on Apr 3, 2014 - 11 answers

Rent or sell my condo at a loss?

Should I sell my condo at a loss to make a fresh start on a new place with my partner? (I am using a sockpuppet, because this question contains personal financial info that I don’t want linked to my primary --and identifiable -- account and I may need to answer follow-up questions.) [more inside]
posted by myorangesocks on Mar 31, 2014 - 18 answers

Neighborhoods near Cambridge?

I am considering moving for a job in Cambridge MA. I know nothing about the neighborhoods, and need help. [more inside]
posted by anonymous on Mar 31, 2014 - 22 answers

Is it a bad idea to buy two houses at the same time?

My fiancé and I have been planning to buy a home this year. This will be the first home purchase for both of us. We currently live two hours apart, and I'm trying to move closer to him, which is where the house will be. However, there's a chance I'll be stuck where I am for another year due to job-hunting difficulties. I recently learned that the condo across the hall from me (where I rent at my current location) is up for a sale. I think it would make a great investment as a rental property down the line. Is it crazy to buy this condo as well as a house with my fiancé in the same year? [more inside]
posted by redlines on Mar 30, 2014 - 11 answers

Aluminum wiring! Asbestos! Termites! Are they a big deal? What to do?

First-time homebuyers under contract for a 60-year-old house-- how serious/expensive are these problems: aluminum wiring, friable asbestos insulation, termites, undisclosed window leak causing water damage? Along with original plumbing and an old HVAC, is this a pretty standard situation that falls under the umbrella of "all houses are going to have some problems, no house is perfect" and is this the kind of stuff they mean when they say you'll be spending 1%-ish of your home value on this kind of stuff every year? Or are these costs and issues on the high side, and this is probably on top of another 1%-ish every year on other repairs and maintenance? Help us put this in perspective! (We need to decide whether to give the sellers' relocation company the right to cancel our contract by requesting repairs. And we need to figure out what we should fix and how much it'll cost if we go ahead and buy the house without repairs.) [more inside]
posted by EmilyClimbs on Mar 20, 2014 - 30 answers

Buying when I'm not selling?

I recently purchased a house. The deed was recorded back then and the initial flurry of "you should buy our security system, new homeowner!" junk mail has stopped. After a few weeks of quiet in my mailbox, I'm now receiving individual letters asking to buy my house. None of them has quoted a price, nor do I really want to sell. I usually just e-mail the address on the letter saying "make me an offer and maybe." Should I do anything else? [more inside]
posted by fireoyster on Mar 16, 2014 - 12 answers

how to move?!?

After 17 years, I'm leaving my beloved Brooklyn apartment for my NEW beloved Brooklyn apartment. Hooray! Except - how on earth do you do this? Please share any advice, tips, motivational thoughts, etc for any and all aspects of how to undertake the process of moving. [more inside]
posted by fingers_of_fire on Mar 15, 2014 - 18 answers

Paid off mortgage -- how would new house purchase financing work?

Me and my SO completely paid off our mortgage a couple years ago. So, we have full equity. That's great, we're happy w/the situation. Now, if for whatever reason we decide to uproot and move to an entirely new city and/or state, how would the financing work? [more inside]
posted by anonymous on Mar 9, 2014 - 8 answers

Selling My House. Still Living In It. Best Practices?

I've gotten engaged so it's time to sell the bachelor pad (2br/1ba/1k sq ft) and buy a bigger house with the Soon To Be Mrs Toole Box and her kids. Final Jeopardy: I'm still living in it. [more inside]
posted by John Kennedy Toole Box on Feb 27, 2014 - 33 answers

What's more important? Parental presence or top schooling?

Okay, this may well be a false choice but I'm trying to sort this out in my mind -- I see two roads ahead of us, one in which we stay where we are currently living -- an underwater house in good shape in a middling-to-poor neighborhood (but with adjacent nicer amenities) -- which is affordable and where we are making enough money to save for all the things we need to save for (retirement, college, cash savings, etc.). OR, we can buy our way into a nicer neighborhood and school district, keeping this house as a rental. Right now my husband and I are both working at well-paying jobs and our 3-year-old is in full-time daycare. My goal, when she starts kindergarten in 3 years, is to work 3/4 or less time, so that I am home with her after school and do to this for the rest of her school years. [more inside]
posted by amanda on Feb 15, 2014 - 32 answers

FSBO in Chicago - how to appeal to investors?

I own a condo in Chicago (in a trendy neighborhood) in a building that has no rental cap and is mostly renters. I'm interested in trying to sell it myself, and am interested in thoughts on what sort of things I'd want to do to make it particularly interesting to investors rather than owner-residents. [more inside]
posted by juniperesque on Feb 12, 2014 - 6 answers

Is it time to move to the Boogie Down?

What are some good neighborhoods I should look into if considering moving to the Bronx? I have a 5 month old baby. I am looking for something affordable (for NYC), near good restaurants, amenities, transit and possibly a park. [more inside]
posted by demonstartivepapadonous on Feb 9, 2014 - 5 answers

Reasonable expectations for a buyer's agent in a sellers' market?

We're entering our third season of trying to buy a house in a very hot real estate market, and just lost another one. Our agent is a really nice person, but we feel like she's just not doing that much for us. I'd appreciate some thoughts on if our expectations are realistic. [more inside]
posted by anonymous on Feb 6, 2014 - 25 answers

Location, location, location

[Asking for a friend] My family and I are moving to a new bigish city in the non-California west. There is a house that is essentially my dream house, for what I think is a very good price. It's been on the market for a bit, probably because the property borders a fairly major thoroughfair. How big of a problem is this? Should I just run away?
posted by LittleMissCranky on Feb 2, 2014 - 17 answers

Selling house absentee-style...need reassurance

I got a new job in a new town that required me to relocate from central New Jersey to Northeast PA. I moved and my husband stayed in the house. Now we're living separately and we can't carry a mortgage and rent for long. How best to sell our house when we're three hours away? [more inside]
posted by Otter_Handler on Feb 1, 2014 - 15 answers

Costs of pricey home repairs/replacements? (& IDing them before buying)

We're first time homebuyers, and getting a little overwhelmed thinking about all the things we might have to fix and/or replace in whatever house we buy, and how that should affect what we're willing to pay for a home. What are the most expensive (and/or frustrating to fix) things we should be keeping an eye out for and factoring into deciding whether to make an offer on a house and the offer price (i.e. adjusting up/down compared to comparable homes)? [more inside]
posted by EmilyClimbs on Jan 21, 2014 - 13 answers

Looking for experiences with Boston’s western suburbs

My wife and I are planning a move to Boston’s western ‘burbs in the next couple of years (think Newton, Wellesley, Needham, etc.). We are looking for a community connected to downtown Boston via some form of public transportation, and with good schools. We do not need an interesting town center, and are happy to walk a mile or so to get to public transport (provided that there is a sidewalk). Since this is surely going to be a backbreakingly expensive purchase, I need the advice and anecdotes of random strangers on the internet to help us focus our search. [more inside]
posted by Admiral Haddock on Jan 21, 2014 - 19 answers

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