u/Dramatic-Fee5988

First investment property, NYC remote investor, Columbus OH, 1959 ranch, tenant in place 4 years. Need advice on repairs and GC vs individual contractors.

About to close on a 1959 3BD/1BA ranch in Columbus OH. Tenant has been in place 4 years, pays on time, zero drama, just went month-to-month. Inspection flagged a Federal Pacific Stab-panel, basement mold in corners that’s gutter-driven, 17-year-old Carrier furnace with gas shut off at inspection and a duct disconnected, gutters draining directly onto foundation on multiple sides, ungrounded receptacles throughout, no handrail on basement stairs, and minor plumbing — drain leak, loose faucet. Sewer scope and termite both came back clean which was a big relief on a house this age.

I’m remote in NYC and flying out to handle the initial stuff. Two questions for people who’ve done this before. First — the Federal Pacific panel. How bad is this panel? I know it needs to go, I have it booked, just want to hear from people who’ve dealt with these. Second — GC vs booking individual trades myself. I have a GC who can coordinate everything but wants a premium for it. The alternative is I book a licensed electrician, plumber, HVAC tech, mold remediator, and handyman separately before I land and supervise them myself during the four days I’m there. Is the GC coordination worth paying for on a multi-trade job like this with a tenant in place, or is booking trades individually the move? Getting quoted around 13-14k for this, ideally looking for 9-11k

Would it be better to get a PM company to manage this whole process. Was going to self manage at first since the tenant is low maintence. $70 cash flow vs $260 after reserves.

Anyone with Columbus contractor experience or remote landlord experience specifically would be hugely helpful.​​​​​​​​​​​​​​​​

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u/Dramatic-Fee5988 — 8 days ago

Insurance Coverage

First time real estate investor and I’m about to close on an investment property in Columbus Ohio. For reference I live out of state in NYC.

Was wondering what type of coverage that I need to protect myself as a landlord. It’s a SFH and it’s my only property and I’m probably not going to keep it in an LLC and just have it in my name.

Got quoted some insurance policy and premises liability was 500k. I asked if we could boost it to 1M or if they offer an umbrella policy. Is that enough for coverage?

I was also told that I might need to get personal umbrella policy? I don’t currently have home, auto insurance, renters insurance.

Any advice would help, thanks!

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u/Dramatic-Fee5988 — 11 days ago

Dropped off a friend at 3 dollar bill last Saturday and me and my partner stopped by the food cart right outside the door and wanted to get a hot dog for the walk home. We got 1 hot dog and the guy said $5 and I doubled checked with him that it was $5 because I knew he was gunna do some scammy stuff and he confirmed it was $5.

Checked this morning and he charged us $56. Love supporting these small carts but it’s ridiculous how many of them try to scam people and ruin the good name of ones that don’t.

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u/Dramatic-Fee5988 — 18 days ago