u/8WmuzzlebrakeIndoors

Not a first time homebuyer but wondering how long title should take in my case?

So I am buying a house where the seller was going through bankruptcy. The judge finally signed off on the sale and waived the 14 day waiting period a week ago. About an hour after that his attorneys sent everything to my title company. I’ve been waiting now for a week and my realtor, the bank that I’m using for funding and myself haven’t heard a peep. I’ve bought multiple houses before and it typically only took a day or two for a clear title. Does it typically take longer when buying a house where the seller was in bankruptcy and if so how long?

I’m on an iPhone. Anybody else experience these issues? How can I fix it?

I’ve been looking at Acura MDX and RDX. Basically what I’m looking for is an SUV these are my priorities:

1. Reliable and doesn’t have horrible maintenance
2. Is very comfortable
3. AWD
4. Has a (decent) amount of space in the back. I don’t need to pack a whole house just want more than what my current sedan offers
5. Can be had at 20k or under in an AWD configuration with less than 90k miles.

Any ideas? MDX or RDX seems like my best bet so far. I’m in the US for reference.

I’ve been looking at Acura MDX and RDX. Basically what I’m looking for is an SUV these are my priorities:

1. Reliable and doesn’t have horrible maintenance
2. Is very comfortable
3. AWD
4. Has a (decent) amount of space in the back. I don’t need to pack a whole house just want more than what my current sedan offers
5. Can be had at 20k or under in an AWD configuration with less than 90k miles.

Any ideas? MDX or RDX seems like my best bet so far.

Active block clubs or neighborhood associations or whatever are a plus. Just want to be somewhere where I can have some community. I need some new friends and people in my life whether they are older or younger

Want opinions on which historic Detroit house I should purchase
I’m looking at three different historic brick homes in Detroit. All three were built before WWII and all need at least some work. I’d be using a special rehab loan program through a local lender/city partnership that helps potential homeowners buy, renovate, and live in these homes. I also have a contractor I know personally and trust, who has worked on my current house before and is giving me a very good price.
I’m trying to balance livability and long term investment upside but also want something I love

House 1: Large ~2,800 sq ft Dutch Colonial-style home.
This one seems like the strongest investment on paper. It’s on a desirable historic street, very close to downtown, near a major expansion/development area, and should have around $50k–$70k in equity after purchase + rehab if everything goes right. I’m already under contract, but I’m considering walking away because the seller has been very incommunicative and difficult.
The interior has been taken down to the studs, so it’s almost a blank slate. Rough plumbing, electrical, and HVAC have reportedly passed city inspection, but some of the work appears incomplete or done incorrectly. The roof was also done poorly, with cracked/curling shingles, which raised the rehab estimate from around $90k to about $130k.
Pros:
Closest to downtown
Closest to my parents, friends, doctor, and highway access
Historic brick garage already matches the house
Exempt from ad valorem taxes until 2029
Blank slate interior that I can customize
Best potential long-term investment upside
Cons:
Most complicated rehab
Roof needs correction/replacement work
Some rough-in work may need to be redone
Multiple open permits need to be closed or transferred to my contractor
Most original interior historic details are gone
Seller is extremely difficult to communicate with
Neighborhood is nice but still more “up and coming” than the other two

House 2: ~2,350 sq ft Tudor-style house.
This one is in the best neighborhood/community of the three. It has a spacious attic that could possibly be finished and add around 400 sq ft of living space. The exterior is probably the most beautiful of the three, and the interior still has original wood floors, molding, and nice masonry work around the fireplace.
Pros:
Best neighborhood/community
Very active block club with events, welcome kits, and help for older residents
Strong sense of belonging, which is attractive if I start a family soon
Most beautiful exterior
Original floors, trim, and historic character are still intact
Attic has potential to add living space
Cons:
Smallest backyard
No garage, and I need one, so I’d have to build it
Worst basement of the three: smells bad, visibly damp spots, likely needs mildew/mold remediation and waterproofing
Kitchen layout is awkward and has the least counter space

House 3: ~2,500 sq ft brick Colonial-style historic home in a quiet, peaceful neighborhood.
This one is probably in the best overall condition and is easily the most beautiful on the inside. It has a spacious attic that could potentially add 400–500 sq ft of living space. It also has stained glass windows and a custom fireplace. House 1 has the best basement, but House 3 seems like the most move-in-friendly overall.
Pros:
Most beautiful interior
Biggest yard of the three
Garage was recently renovated by the seller
Already has a strong security system installed
Seems to be in the best shape overall
Quiet, peaceful neighborhood
Attic has potential to add living space
Cons:
Many of the historic windows were difficult or nearly impossible to open
Basement smells bad, so it may need mildew/mold remediation
Maybe less investment upside than House 1
I’m still trying to figure out how it compares long-term to the first two
Which one would you choose if you were trying to balance long-term investment, livability, renovation risk, and neighborhood/community?

I’m looking at 3 different different historic properties right now. All 3 are brick historic homes that were all built before WW2 and all 3 need at least *some* work. Which is fine because I am using a special rehab loan program from a local lender that partnered with the city for potential homeowners to buy these homes, renovate them and live in them to try and reduce blight and get more people to move in. I’m working with a contractor whom I know personally and trust that has worked on my house many times and is cutting me a great price

House 1: a large ~2800 sqft house Dutch colonial style. This one is the best investment pick as it’s on a very desirable street very close to downtown and is near a large expansion that will bring a lot of jobs to the city and has a few million promised for investments and development to the area. After rehab I should be looking at 50-70k in instant equity after the purchase price and the rehab costs. Im already under contract for it but considering walking away because the seller is very incommunicative and difficult. The house has been torn down to the studs on the inside so it’s almost a blank slate for my contractor except the rough in plumbing, HVAC and electrical work.

Pros: on top of being real close to downtown it’s minutes from my doctors office, closest to my parents out of the 3, nearby highway access and close to my friends. It’s also got a nice historic brick garage to match, exempt from ad valorem taxes until 2029
I love that it’s a blank slate for me to customize the interior how I see fit and I know exactly who will be doing all the work and that I can contact them if anything goes wrong. This is also the best investment and I’m looking for a long term investment.

Cons: they did a great job on the drywall and all the structural rough in work however lots of the plumbing, electrical or HVAC rough in work that was “done” wasn’t actually done or was done wrong. On top of this the new roof was done terribly also and has cracked or curling shingles everywhere. This made what was supposed to be a 90k rehab cost 130k.
Since this neighborhood is still considered up and coming it’s the most “meh” out of them but it’s still very nice.
There’s still multiple open permits since the rehab wasn’t finished. Rough in work has been passed by the city. I will have to get these closed or switched over to my contractor
None of the interior historical features for the most part are intact so
Seller is so incommunicative that even his agent is annoyed and I have to push my closing date back because of him

House 2: A ~2350 sqft Tudor style house with a very spacious attic that could be finished and possibly add about another 400 sqft of living space. This is in an established and very nicely kept and tight knit welcoming community. On the exterior this is probably the most beautiful house and on the interior it’s still got its original wood floors and molding and beautiful masonry work on the fireplace.

Pros: This is easily the best neighborhood and community they have a very active block club that hosts many events, provides welcome kits for new residents and helps older residents fix their houses. There’s a real sense of belonging and community here that’s very attractive to me in case I start a family soon. Also the most beautiful on the exterior.

Cons: Smallest backyard of all 3 houses
Currently no garage which I need so I’d have to have a new one built
The basement is very dingy, smells horrible and has multiple visibly damp spots. I don’t see any cracks in the foundation but I’d imagine it needs some mold/mildew remediation and some waterproofing. This is the worst basement of the 3.
Weird kitchen layout with the least amount of counter space of the 3

House 3: A gorgeous French colonial in a very quiet and peaceful neighborhood. It’s about 2500 sqft and has a very spacious attic that would add about 4-500 sqft in living space after finished. This one is easily the most beautiful on the inside and even has a custom fireplace designed by a pottery and some stained glass windows This one is probably in the best shape out of the 3 as well besides the basement. House 1 has the best basement.

Pros: Already has a very robust security system installed and is the most beautiful on the interior, biggest yard out of the 3, garage was just renovated by the seller.

Cons: lots of the old historic windows were very difficult if not impossibled to open (I didn’t try to hard with some of them because I didn’t want to break them.
Basement also smells kinda bad so maybe some mildew remediation.

Long term upside is very important to me and house 1 has that but this guy is making it so damn difficult

So for some context I’m in the process of buying a house. There were some things that the seller tried to insist were fixed or worked on that the inspection revealed wasn’t done. We went back and for for like a week and a half and the seller said he would get us a reduced price so we waited for 5 days no response so we sent over a mutual release. Only a couple of hours after sending the mutual release he finally responded agreeing to give me the money off that we wanted.

So my agent sends me the addendum. It’s one page and only a few sentences long. I sign it. We send it back to him and it’s been a whole week no response again he’s back to being uncommunicative. At this point my closing date has been compromised and the bank has told me we need a closing date extension as well since he has a tendency to go ghost and not reply until we force his hand.

Should we just walk away at this point? I really love the house but I feel like I’m fighting to get into it.

Edit: the sellers agent is pretty frustrated at the seller from what I’m aware due to communication and him advertising work as being finished without actually verifying it was finished.

So for some background I’m in the process of buying a house that needs some rehab work. We did the inspection about 2 and a half weeks ago and found out lots of the work that was “done” was done wrong and wasn’t up to code and my contractor would have to go back and redo lots of it. My realtor and I decided that it would be reasonable given the circumstances to ask for 14-16% off my offer price because the costs to fix the “completed” work was great. After a few back and forths the seller himself had a call with my realtor on Friday and rejected our number and said he would get us a number by the end of the weekend. It’s now middle of the day Tuesday and we haven’t heard anything and my realtor thinks we should send over a release of contract if we don’t hear anything by the end of the day.

However, I really really love the house and after a lot of thinking and deliberation with close friends, family and my significant other who would be living there with me we decided we are willing to wiggle and give in a bit to secure this house because I have a grand vision for it. What do you all suggest? And how should we get the seller to respond?

Edit: this is a house that’s in the middle of rehab. The seller “completed” the rough in work for the electrical, HVAC and plumbing and he also did the roof but the roof is peeling and cracking despite being just done and needs a full replacement on both the house and the garage. The seller is some investor from out of state that’s never seen the property so he didn’t even know the state of the work that was done until we sent him the inspections lmao. This is a rehab loan I’m getting not a traditional loan so the work is going to be done regardless but the cost of redoing some of the incorrect work is pretty significant

EDIT 2: I ended up walking away. All the open permits with the dry wall already up is a big red flag even if it’s a rehab loan I’m getting yall are right. There’s no guarantee they won’t make me rip the drywall up. On top of that the fact that even the seller agent is raising flags about the listing to my agent and is upset with the seller isn’t good…. Thanks

Hi all :)
I’m a 5th year clinical psychology doc candidate who was recently matched at a university counseling center for internship. I am happy and grateful for that match, but as I think about what I want to do after graduation, I am considering doing a post doc to make my experience a bit more well rounded. So far, my clinical experiences have been in community mental health, a substance use clinic, and CAPS.

Just for further context, I applied to CAPS, and VAs for internship and landed at a CAPS.

(I’m using my significant other’s account to ask this since I don’t have Reddit)

Looking for the best washer and dryer that won’t mess my clothes up. I know obviously I should start with a front load but where do I go from there? I spend a lot of money on clothes

Edit: I am in the US

Looking for suggestions for a good cctv and alarm system

I’m buying a new house. I will have 2 doors that someone can enter from and I have a detached garage. I’m planning on getting a privacy fence with a gate installed as well.

I’m looking for something that

1. Doesn’t have a subscription
2. Can record video and audio 24/7 reliably
3. Stores video locally
4. I can possibly interface with through my phone
5. Will send me customized alerts via an app or texts or something
6. Battery backup
7. Night vision or flashlights/camera lights
8. Can cover my two doors and my garage which is about 200ish ft away from the house

Any suggestions?

I’m buying a new house. I will have 2 doors that someone can enter from and I have a detached garage. I’m planning on getting a privacy fence with a gate installed as well.

I’m looking for something that

1. Doesn’t have a subscription
2. Can record video and audio 24/7 reliably
3. Stores video locally
4. I can possibly interface with through my phone
5. Will send me customized alerts via an app or texts or something

Any suggestions?

I really want to do it justice and put hardwood throughout (there’s no flooring) but hardwood is so expensive so I was thinking about some nice bamboo flooring or upper tier LVP that mimics the look. What do yall think? It’s not a small house either so going all hardwood would be a very significant expense

I live in southeastern Michigan and I do not want to do significant hard scaping. Any alternatives that yall have in mind?

For some context this house has had all structural work redone to it and it’s been torn down to the studs and had the drywall put up and all schematics/blueprints for the rooms and appliances etc approved by the city. It’s now just waiting for someone to come in and finish it how they see fit. I’m wondering will a regular VA loan cover this? I know there’s the VA rehab loan but I don’t want to lump the cost of renovations into my loan as I have a person I’ve been working with for a while that can do all the work and id prefer to pay him cash as the work gets done. I know it wouldn’t meet livability requirements because there is no HVAC work done yet and no kitchen or flooring but all electrical, plumbing and structural work + drywall has been done.

If VA loans wouldn’t be an option I’m wondering if there’s any other types of loans I could get where I wouldn’t need to put the cost of renovations into the loan or have a licensed contractor at ready. I have excellent credit and good income if that matters.

I’ve been recommended trying to get an “as is” (portfolio) loan from a local lender, trying to work with the seller to get some work done to make it considered “habitable” before closing, or getting a hard money or bridge loan and having the work done to make it “habitable” as fast as possible then refi into a more traditional loan.

For some context this house has had all structural work redone to it and it’s been torn down to the studs and had the drywall put up and all schematics/blueprints for the rooms and appliances etc approved by the city. It’s now just waiting for someone to come in and finish it how they see fit. I’m wondering will a regular VA loan cover this? I know there’s the VA rehab loan but I don’t want to lump the cost of renovations into my loan as I have a person I’ve been working with for a while that can do all the work and id prefer to pay him cash as the work gets done. I know it wouldn’t meet livability requirements because there is no HVAC work done yet and no kitchen or flooring but all electrical, plumbing and structural work + drywall has been done.

If VA loans wouldn’t be an option I’m wondering if there’s any other types of loans I could get where I wouldn’t need to put the cost of renovations into the loan or have a licensed contractor at ready. I have excellent credit and good income if that matters.

I’ve been recommended trying to get an “as is” (portfolio) loan from a local lender, trying to work with the seller to get some work done to make it considered “habitable” before closing, or getting a hard money or bridge loan and having the work done to make it “habitable” as fast as possible then refi into a more traditional loan.