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    HOA documents during escrow

    Of course the right management company and board can turn things around.  The problem is that this will never happen. It's a lot of work to change management companies and even harder to get a good group of board members.
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    HOA documents during escrow

    There are 2 parts to an "HOA"- the property management company and the residents who are on the board.  Both can make a HUGE difference in your daily life as a resident.
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    Realtors Face Federal Scrutiny of Broker Commissions Justice Department probe

    They are helping change the model by providing data on the buyer agent commission %.  This is ABSOLUTELY HUGE.  There are agents out there that tell you that 2.5%-3.5% are necessary for BAC in order to attract buyers in this market.  And when the BAC is this high, it only "makes sense" to have...
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    Tesla Solar Panels Price Cut

    So can you set the PW to store electricity only during off peak time and then during peak time, sell the energy to the grid at the higher rate?   
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    Tesla Solar Panels Price Cut

    CA has Net Metering.  What's the benefit of a PW in this situation?
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    Tesla Solar Panels Price Cut

    Resolved itself.  My generation shows a few hours at 0 for a couple days.  I'm not sure if it's the app or if the generation was really 0.
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    Tesla Solar Panels Price Cut

    I submitted 2 tickets via the Tesla solar app when I noticed that there was no solar power generated for over half the day.  I didn't receive any confirmation of the ticket or a response.  In the 2nd ticket, I even wrote, "Does anyone even read this????".  No response.  This was a few months ago. 
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    Home appraisal increased by almost $100,000 after Black family hid their race

    I wonder if this happened to me.  My tenant is African American and I just received an appraisal that was off by $70k!  Appraiser used 2 comps from 7-8 months ago and then time adjusted upwards of .4% per month.  The market has definitely gone up more than 2.8% over the last 7 months.
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    Looking for Math and Writing Tutors for 3rd Grader

    Eastwood Elementary has always been known for it's lack of academic focus.  The school puts more emphasis on being a more "well rounded" student.  I think this is fine with earlier grades, but starting from 3rd onward, it needs to get more serious as your child will eventually compete with kids...
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    Painter Recs?

    Cost should be around $1.25 per sq ft as a ball park estimate.  You can forget about the price you paid 10 years ago. 
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    Would be helpful if you added some context to your complaints about Better.  Since you had to have an appraisal, it sounds like you have a higher LTV which doesn't qualify for an appraisal waiver.  This would have been an issue with any lender. I have one active refinance with them and about to...
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    I'm going through a refi with Better now and don't see the same issue (did one last year with them too).  I only provide the bare minimum necessary (ie. 1 single clean bank account).  I have a clean W2, low LTV, low DTI profile.  Maybe that's why.  LEs change all the time.. the real question...
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    How Portola High compares to Uni or NHS

    I know some parents moving out of Irvine to go to "less competitive" schools which they think will give their kids an advantage when applying to top rated universities.  It's much easier to be top 1% at a HS in a Saddleback Valley or Capistrano district than IUSD.
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    Many online lenders just provide a % fixed credit and you can shop for services to net more lender credit.  Better.com is one of them.  Use Radian for title.  Your total will be $900 for all those services.  Maybe more if you have a big loan amount. 
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    pay off new 15 yr refi or sell and go big with a $1M+ mortgage to trade up

    There will definitely be a short term hit, but long term, you will come out ahead by selling and purchasing 2 rental properties.  Especially if you purchase out of state.  Anyway, my point is that you should not give up the $500k capital gain exclusion and turn your current primary into a rental...
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    pay off new 15 yr refi or sell and go big with a $1M+ mortgage to trade up

    Most people think only about their PITI when figuring out if they should rent out their current primary instead of selling it when trading up.  For example. Someone bought SFR 8 years ago for $900k (say $200k down).  PITI + HOA is $3700.  They can rent out their property for $4000 so they are...
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    pay off new 15 yr refi or sell and go big with a $1M+ mortgage to trade up

    Take advantage of the $500k capital gains exclusion and sell your current primary.  Buy a bigger house to enjoy while the kids are still young enough to enjoy it as well.  Remember that you won't be able to deduct mortgage interest over $750k now. If you want investment properties, buy ones...
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    Locked at Loan Cabin - Conventional, 20 year, 2.375% w/ $6200 lender credit.  No lender fees, just standard refi costs.  Hope I'm not in for a world of hurt again.  My last refi with them took a bit over 6 months and then another 3 weeks after close to fix some paperwork issues.
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    Appraisal Waiver Requirement Change?

    I received appraisal waivers for the refinances I completed last year (< 1M house value, <60% LTV).  I just applied to the same lender and they are saying that desktop underwriting is now asking for an appraisal.  Did something change with the requirements to get an appraisal waiver?
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    Tenant not paying rent

    In reality, there is not much you can do.  Once you start threatening them, they will probably do a google search and realize THEY hold all the power in this situation.  Then they might demand you pay THEM money and forgive their back rent to leave the property without any damage. I was in a...
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