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All Locations : Nationwide Real Estate Advice

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Activity 500,328
A few minutes ago
Ronc100bsb answered:
I've been a landlord for 15 years. In my experience there's two things that matter:

Intent to Pay:
This is a behavioral question best measured by the tenants credit score. I won't accept anything under 620. I don't look at anything on the report except the score. The credit agencies have teams of data scientists building complex predictive algorithms that have been honed over many years. To think I can do better than them, by somehow creating my own model and considering other elements in the report is silly. Are there applicants with a 580 score that will pay the rent on time? Yes. It's just that chances they won't are higher. A lot higher that someone with a 700 score.

Ability to Pay:
This is about income and loan payments. Do they have enough income cushion to pay an unexpected $500 car repair bill and still have room to buy groceries and pay the rent on time. I use a formula (Gross Monthly Income - Monthly loan payments) * .33 = Maximum approved rent. The monthly loan payments are listed on the credit report.

Other factors like bankruptcies, prior landlord checks and employer references are not predictive and only slow the process down.....in my opinion. I don't use them.
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A few minutes ago
Adclassified answered:
there are couple of ways you can find a list of classified websites

the only way by which you can easily post ads by searching for a list of classified websites

here are few

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http://www.postaddz.com
http://classified.m11.in
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http://classified.elevensites.com
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http://scripts.m11.in
http://jaltarangart.in/classified/


if these websites are now enough for you then google it...
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0 votes 18 answers Share Flag
A few hours ago
Kelfit34 asked:
A few hours ago
Ea.torres81 asked:
They came back and said we are eligible for xxx loan of xxx amount. They however will not give us a pre approval letter unless we have 11k in the bank or a realtor can back us up that the…
0 votes 0 Answers Share Flag
A few hours ago
Jamesjulian007 answered:
Have been battling my credit scores and repair companies for awhile , my lack if credit management ill say affected the choices i made with my credit history, i needed my credit score improved from 580 ,511 and 573 ,i needed my score to be in the 700 plus A colleague told me about HACKWIZatPROTONMAILdotCOM , well have lived all my life in bad credit ,i had nothing to lose ,to my surprise after giving the required information i was informed to my understanding about the process, ALL my late payments, inquires ,collections and public record were completely removed from my credit report and in less than six week ,i watch my score grow to 752,720 and 708.if you're in this too, you can hit them up and thank me later ... more
0 votes 5 answers Share Flag
A few hours ago
Jamesjulian007 answered:
Have been battling my credit scores and repair companies for awhile , my lack if credit management ill say affected the choices i made with my credit history, i needed my credit score improved from 580 ,511 and 573 ,i needed my score to be in the 700 plus A colleague told me about HACKWIZatPROTONMAILdotCOM , well have lived all my life in bad credit ,i had nothing to lose ,to my surprise after giving the required information i was informed to my understanding about the process, ALL my late payments, inquires ,collections and public record were completely removed from my credit report and in less than six week ,i watch my score grow to 752,720 and 708.if you're in this too, you can hit them up and thank me later. ... more
0 votes 12 answers Share Flag
A few hours ago
Solomon Greene answered:
Great question.

My recommendation would be to reach out to an agent around the first of October if you'd like to be in your home by the end of January. Now would be a good time for you to pull your own credit reports and make sure that YOU know what is going on there, especially in light of this recent news reports.

When you're ready, I can get you in touch with lenders who participate in various down payment assistance programs and grants that may help ease your path into home ownership.

Good luck.
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0 votes 2 answers Share Flag
A few hours ago
Joseph Larochelle answered:
I asked the question about FHA requirement on heating they states operate without human intervention for extended periods of time. No one can tell me what the extended period of time is. I have a central wood pellet furnace that can run a good week without human interventions. I think the FHA lenders are being too strict. Now my realtor states an conventional loan won't even work for me that I'd need a cash buyer. The buyer wants to install electrical baseboards but keeps our furnace. We are ready to walk. Both realtors knew of our heating system. Further, we found out the buyer is friends with one of the inspectors and the appraisals agent. Both realtors want us to install a propane furnace. We don't have the money they want to have the HAVC company loan us the money but they put a lien on our the home and are charging us lawyer fees. We think we are being duped. ... more
0 votes 1 answer Share Flag
A few hours ago
Daniel Erickson asked:
The seller suddenly set a deadline for my loan letter that I couldn't meet. This deadline was not in our contract. Now they have accepted other offer
0 votes 0 Answers Share Flag
Yesterday at 11:41pm
Monte Smith asked:
Is it possible to find someone to rent to me if I can find a job soon after I get there? How do I go about searching for a home near a good middle school in this situation?
0 votes 0 Answers Share Flag
Yesterday at 11:16pm
Amanda Marie Gatewood answered:
Oh my God! Lol! The people bashing Hemet be like, "Oh, don't move here to Hemet! Sixth worst place to live in California!" I'm not saying that there aren't neighborhoods that don't have their troubles, but all you naysayers who are so against Hemet, I invite you to do a social experiment. Move out of Hemet. Stay a week in one of my top 5 worst places in California. 5)Adelanto 4)Victorville 3)East Long Beach 2)Compton 1)San Bernardino. I guarantee you that when you hear about your next door neighbor had just been robbed, beaten, and stabbed to death, you'll definitely have a change of heart. ... more
0 votes 15 answers Share Flag
Yesterday at 10:55pm
Aaron B. Lewis answered:
I am afraid I have only heard a few out of many that were succesful with NACA. Liberty Bank is an option now as well as Detroit Home Mortgage
0 votes 1 answer Share Flag
Yesterday at 10:45pm
Aaron B. Lewis answered:
Yes. Have to structure a deal with occupants/owners. Thats the only way.
0 votes 3 answers Share Flag
Yesterday at 10:42pm
Aaron B. Lewis answered:
Yes owner can still sell it. Price will depend on the bid/purchase price at sheriff sale.
Feel free to call or email to discuss further. 313-405-7337
0 votes 4 answers Share Flag
Yesterday at 10:39pm
laura mccullough delorme answered:
I never get a callback. My messages are clear and concise. I am polite and usually have one or two questions I'd like answered before scheduling a showing. I am never inappropriate and never ask to pay less rent etc. YET, I have only had one response after sending about 20 requests for a showing in one week. I have called and left messages when a phone number is provided and had a little luck that way. I left several messages directly from this site as well as two voice mail messages for Alexandria about an apartment. Finally, after no responses, I contacted a business located in the same apartment building. The owner of the business told me I'm not alone. She's getting numerous calls about the apartment and how Alexandria is not returning calls....but,neither are other agents. I simply do not understand. ... more
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Yesterday at 10:35pm
Aaron B. Lewis answered:
Sometimes. It's going to depend on the lender (better chance with smaller institutions vs larger) also depends on wet her the lender was reimbursed for the difference thru PMI claim or TARP funds. Feel free to reach out to discuss further ... more
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Yesterday at 10:31pm
Whitmax asked:
Just purchased this house but it's considered a plex by city...but lender, appraiser, inspector, and all involved said single family. But I found out I pay two utilities and house has two…
0 votes 0 Answers Share Flag
Yesterday at 10:29pm
Aaron B. Lewis answered:
Lamoorern2012 I would be glad to advise on your situation. You are in a unique and powerful position as the occupant in this preforclosure scenario. Call me further to discuss 313-405-7337 also check out my website www.un4close.com ... more
0 votes 13 answers Share Flag
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