We're 21d out from closing on a house. 60d ago, we locked our rate for 90d with Bank A. Another lender we were talking to, Bank B, now tells us that he can give us a marginally better rate and better closing costs (saving ~$780/yr and $1k in closing costs). We're tempted to change horses mid-stream, but want to understand the risks involved. Specifically, I am concerned about the effect of applying now with another bank and its impacts on our credit score. I envision a nightmare scenario where we start working with Bank B, but it turns out they can't close on time, so we revert back to bank A but our credit scores took a ding from the application with Bank B, such that we no longer qualify for our mortgage with Bank A. Is this a likely scenario? submitted by /u/DesignerPangolin [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1lefjvy/considering_changing_to_another_lender_risks/

I manage a handful of single family and small multi family rentals across two states. One thing I always bring up with new landlords is budgeting for longterm maintenance roof, HVAC, foundation, drainage, etc. It’s surprising how many folks only plan for cosmetic fixes or immediate rent readiness. I’m curious how seasoned investors here handle this upfront. Do you work these projections into your offers or build out 5/10 year maintenance budgets before closing submitted by /u/QuarterOne1233 [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1ledf77/how_much_do_you_factor_longterm_maintenance_into/

submitted by /u/AmateurZombie [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1ldl4v5/if_moving_to_a_different_state_generally_easier/

submitted by /u/Less_Ganache6458 [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1ldj75y/where_should_nris_do_property_invest_in_bengaluru/

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Hey everyone, I’m an insurance agency owner and would love some insight here that I can apply in my local market. Do you have someone that you point buyers to for their insurance? If you do, how was that initial relationship formed? What made you continue to use that person? For anyone who doesn’t- is there anything that would make you likely to start using someone for this? Thanks! submitted by /u/KeyParking4032 [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1ldg8u7/do_you_have_an_insurance_referral_partner_how_did/

I drive an electric car and I would like to add an L2 EV charger to my summer home / rental. I might be selling this home in the next few years. Will the charger add any resale value or at least recoup the costs of about $1000? Is it a factor when people are looking for houses to buy? The house is an eastern PA, and a lot of people who purchased these homes are from New York. submitted by /u/14MTH30n3 [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1lcp784/do_electric_car_chargers_at_value_to_the_home_ill/

We are currently under contract for a home and on day 7 of our 12 day inspection contingency. The general inspection found bowing in the foundation and marked concern for the roof tiles, and recommended further inspection for both. Our realtor (who has been less than ideal in many capacities) was dissuading us from these additional inspections for the reasons below but we’ve decided we have to have them done. I got contacts from another realtor (a friend who I desperately wish I hired instead) and I’m calling today. Assuming we can’t get the final repair report done until day 10 or 11, are we totally fucked?? Foundation issue: stucco is slightly bowed at foundation level on one side of house - realtor said the inspector told her it could just be something to monitor Roof issue: cement tiles are original (38 yrs old) even though the paper underneath was replaced in 2017 - realtor thinks since the paper/waterproofing was replaced the roof should be fine. Cement tiles have a 40yr lifes...

My parents left the 50 year old rural family house in the trust and I am the trustee in charge of selling the property, in California. There are several problems with the property. First and foremost is the fact both my parents were hoarders. Second is the house is in need of repairs. Currently there are three residents of the house all family. There needs to be electrical, septic, and general repairs done to the house along with removing the hoard. Unfortunately I am the only one that is going to be doing the work. I have removed four twenty yard dumpsters of trash so far in the last four months, almost have gathered enough for another 20 yard and will likely need one or two more after that. I have found many family keepsakes among the trash and am trying to get them off the property to family. I'm working on this nearly everyday sometimes to the point of muscle failure where my arm or legs won't work to haul stuff anymore and I am forced to take a day or two off. Need to ge...