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Type: Posts; User: liv2ski

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  1. Replies
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    That's what I tell anyone who will listen.

    That's what I tell anyone who will listen.
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    Agreed, I always disclosed my compensation to...

    Agreed, I always disclosed my compensation to borrowers as that conversation was easy as they were getting a great deal. It is the guy that is hosing you that doesn't want to talk about their comp. ...
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    Danno, mortgage companies allow X amount of...

    Danno, mortgage companies allow X amount of closing costs concessions from seller to buyer depending on LTV. That said, this is better for the buyers agents as they will now have a contract with the...
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    Disagree, people like myself that want value will...

    Disagree, people like myself that want value will grind agents once it is obvious commissions are negotiable. My town of $3M+ average homes will be impacted greatly IMO. Listing office/agent...
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    A 27% tax rate? you mean 2.7%?

    A 27% tax rate? you mean 2.7%?
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    GGL, in the event you didn't know this, an...

    GGL, in the event you didn't know this, an appraisal of the property is required by the IRS, if more than 6 months has elapsed since the death of the last parent before selling. It is called a DOD...
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    GGL. I would definitely have at least two agents...

    GGL. I would definitely have at least two agents do a market summary and price suggestion for you, as I have found stuff typically sells for more than the comps suggest to me as a value range and...
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    Looks like mom's home is selling for an all time...

    Looks like mom's home is selling for an all time high in her project. Cash offer over asking price with a 10 day close. The other 7 offers are likely pissed today. I guess the market under $600k...
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    I am uncertain those claims are correct. I have...

    I am uncertain those claims are correct. I have done loans from 1984 to 2022 and the occasional sale for friends. Last time I listed a property the owners cleaned the place up real good, painted it...
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    Listed my deceased mom's home with Redfin. Goes...

    Listed my deceased mom's home with Redfin. Goes live next week. I don't know why anyone would pay more than 1.5%. Also told the agent the title company they select must have an escrow division, as...
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    I have a tenant that started out at $1,950 10+...

    I have a tenant that started out at $1,950 10+ years ago. With an update, it would be more like $3,400 today. She pays $2,700 now. That is a lot of lost income. I wish she would move. GFL.
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    Uuuh, who wants to live forever? If I make it...

    Uuuh, who wants to live forever? If I make it another 20 years I will be stoked.
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    What about Boomer parents like us that are going...

    What about Boomer parents like us that are going to leave everything to the kids because their tax basis will be readjusted to avoid paying freaking taxes that we would if we sold today?
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    If that is where a person is at, regardless of...

    If that is where a person is at, regardless of location, they either made horrible choices in life, are fuckin stoopid or both.
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    Why are big companies allowed to buy single...

    Why are big companies allowed to buy single family units again and are not just limited to commercial projects? O ya, unfettered Capitalism. :rolleyes2 Such BS. If everyone is all worked up over...
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    My dad had a shit heart, so I tell me wife if I...

    My dad had a shit heart, so I tell me wife if I have heart attack to drive me the extra 15 minutes to the big Sharp hospital in SD and not the little one here in town. Those fuckers kill people.
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    Our friends daughter just graduated as a Doctor...

    Our friends daughter just graduated as a Doctor and moved to Kansas City to be with her guy, as he like the cost of living, work/life balance they have. So a small town, maybe not, but larger metro...
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    I guess it depends on what your time is worth. ...

    I guess it depends on what your time is worth. No way in hell would I show rentals to people knowing my agency gets 1 months rent, which I have to split with my brokerage. I have more profitable...
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    You need to cross post in the "Getting Old Thread"

    You need to cross post in the "Getting Old Thread"
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    This is the way...

    This is the way...
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    I feel bad for buyers agents that do lots of...

    I feel bad for buyers agents that do lots of showings, maybe write a few offers and nothing. They should have a base comp and signed agreement with the buyers that they get paid say at least $100 an...
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    The interesting thing in my small town, is about...

    The interesting thing in my small town, is about 5 listing agents get 80% of the listings. Average sales price is $3.5M. Even at 1% that is $35k and I know they charge more.
    A few years ago I...
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    Agreed, buyers agents should be worth the money...

    Agreed, buyers agents should be worth the money paid to them as they have a bunch to do in getting you into a home. The listing agents are worth not so much from my experience. $10k in comp should...
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    Agents

    Agents
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    I still think it needs to be a flat fee business...

    I still think it needs to be a flat fee business model rather than a percentage of the sale.
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    Fuck, looking for a SFR up to $700k? Don't look...

    Fuck, looking for a SFR up to $700k? Don't look in San Diego, as the selection is fuckin pathetic.
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    Nope, I have never seen a refinanced buy down...

    Nope, I have never seen a refinanced buy down early payoff result in a partial credit.
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    100% of the major metropolitan areas down 10%+ in...

    100% of the major metropolitan areas down 10%+ in the Chase Schiller index for the previous quarter and still headed down.
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    Agreed, just look on Zillow at the estimated...

    Agreed, just look on Zillow at the estimated value in October 2020 and that is where stuff should be at the most or GTFO sellers.
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    Timeshares, baàahaahaàa.

    Timeshares, baàahaahaàa.
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    Huh? I never heard of a FTB program for FHA loans

    Huh? I never heard of a FTB program for FHA loans
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    Why such a goofy comment? Everything is...

    Why such a goofy comment? Everything is underwrited exactly the same, just one loan has a lower PITI that helps the buyers qualify for more than at 7.5%.
    Your examples are way off base, but...
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    From my experience in 39 years of loan...

    From my experience in 39 years of loan origination, very few low income people can find a home cheap enough to qualify for, hence not many of those loans are originated.

    These are owner occ loans,...
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    Hey Joe, a good idea from France... The...

    Hey Joe, a good idea from France...

    The difficulty people face in buying a home may be one explanation for the lack of rentals available.

    To try and tackle the issue, the French government will...
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    Huh, that's pretty cool

    Huh, that's pretty cool
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    I can not imagine that is how they sell property...

    I can not imagine that is how they sell property as the sellers could get deficiency judgements if the property sells for less than is owed.
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    Wait, coke isn't still cool? :confused:

    Wait, coke isn't still cool? :confused:
  38. Replies
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    Well, if you have the $$$ to fly in on private...

    Well, if you have the $$$ to fly in on private planes, you are going to bring all the good shit you want with you.
  39. Replies
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    Agents gets so much of their time wasted by...

    Agents gets so much of their time wasted by non-performing customers. They have to build in those non-productive hours spent working to deals that actually close, hence the ridiculous amounts that...
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    Exactly

    Exactly
  41. Replies
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    Likely not as the agents mostly have to pay a...

    Likely not as the agents mostly have to pay a supervising broker some cash, their showing agent and transaction coordinator. Then there is E & O and other expenses.
    My point is they have expenses,...
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    Depends, if client interview makes them sound...

    Depends, if client interview makes them sound like a pita, then 100% more than an easier client imo.
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    Over the years I have thought about how many...

    Over the years I have thought about how many hours an agent puts into a transaction. I have listed properties for friends (for a $2,500 flat fee) and sold a few homes to family and friends for the...
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    Right, I figured my grumpy middle of the night...

    Right, I figured my grumpy middle of the night post should be amended. Good on you for catching it you pissy bitch.
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    Whatever the seller is talked into by the listing...

    Whatever the seller is talked into by the listing agent effects the buyers price. After 39 years in the industry, I think the commissions paid are out in left field (is that better). I for one think...
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    Nope, I look at listings daily and comp on multi...

    Nope, I look at listings daily and comp on multi million dollar homes is still 2.5% to a buyers agent. Full retard.
  47. Replies
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    Hopefully it will open up representation based on...

    Hopefully it will open up representation based on a flat fee or perhaps billable hours rather than a percentage of the home. I mean, back when a house was $200k-$300k, I got the 3% comp to the...
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    Those deals are pretty much in the south of Italy...

    Those deals are pretty much in the south of Italy and I prefer the north, so no deals for me, however, if I spoke the language I would consider living in Bergamo, Verona or maybe Sienna but that will...
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    Read San Diego is the most expensive price to...

    Read San Diego is the most expensive price to income percentage in the USA. Prices are full on retard and need at least a 25% reduction.
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    Most countries allow a deficiency judgement in a...

    Most countries allow a deficiency judgement in a foreclosure which really slows people down from just walking away.
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