Why I Never Work With a Real Estate Agent

[MJ DeMarco]

I'm happy to announce that I bought a house today and got a steal of a price -- 25% discount and under assessed tax value! I plan to live there for 1 year while my primary residence completes its remodeling/pool project - which has gotten out of control.

I got the deal primarily because I WASN'T working with a real estate agent - which i never do.

First a disclaimer: This is not an attack on real estate agents as I know there are a few here. This is my opinion on WHY I don't use an agent. Second, this is based on my experience as a buyer and seller of real estate; not as a full-time "investor".

Why I Never Work With a Real Estate Agent

In the past 10 years, I've bought and sold various properties from homes to land, and I've NEVER used a real estate agent, w/exception to the first home I ever bought.

First, on the sell side. I always sell By Owner (FSBO) and pay a listing service to drop the property in the MLS. Then I offer the buyer agents a fee if they bring a buyer -- from 2% -3%. The caveat is you have to be home to show the house, or, put the house on your own lockbox (which can be purchased at any Home Depot).

I buy the standard contracts and do them myself.

On the buy side, I troll neighborhoods I want to buy/live. I call the agent and ask for a showing. I line em up one after another! Now, since I am not represented by an agent, I have some negotiating power to get a lower price since the 3% is saved in buyer agent commission OR the selling agent is motivated because he thinks 6% is coming his way.

Prior to trolling neighborhoods, I search the web for properties. In the age of the internet, you now have access to MLS listings which was once a sacred ground for Realtors. Not any longer.

I used in my search:

1) Realtor.com
2) Craigslist.com (Distressed)
3) RealtyTrac.com (Distressed)
4) Maricopa.gov (Check Neighborhood comps / Tax bills)

I was able to get a contract due to the fact that I was NOT represented by a real estate agent - the seller (which was FSBO and offering 4% to buyer agents) was FREE from paying commission to anyone.

I was told later that my offer wasn't the best; but since I didn't have agent representation, I got the deal. The seller netted MORE since all agents where removed from the transaction.

My competition on the property was working with agents costing the seller thousands - hence, they didn't get the deal. Every dollar counts to a motivated seller.

Remember, 3% on a $1,000,000 home is $30,000 -- what can you do with $30K?

A lot!!!

:eusa_clap:

 

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[nomadjanet]

Zua jewi tuni huuf quopvt. Vji upmz voni xi ati ep ehipv ot up uav ug vuxp qsuqisvz, ov't katv xusvj vji nupiz vu at xjip xi esi fiemoph xovj qsuqisvz vjev ot japfsift ug nomit exez. Ov ot vsai vjev tuni qiuqmi xuamf sevjis fiem xovj GTCU epf xup'v iwip demm xjip ov ot e siemvus fiem. Ziest ehu cigusi vji opvispiv, NMT xet e coh piem, pux puv tu nadj.
Kepiv

 

[MJ DeMarco]

Zua jewi tuni huuf quopvt. Vji upmz voni xi ati ep ehipv ot up uav ug vuxp qsuqisvz, ov't katv xusvj vji nupiz vu at xjip xi esi fiemoph xovj qsuqisvz vjev ot japfsift ug nomit exez.
Kepiv

Jewi vu ehsii xovj zua vjisi. O piwis cuahjv uav ug tvevi epf puv lpuxoph vji esie xuamf ci e fivsonipv - ep ehipv xuamf ci e natv op vjev dosdantvepdi.

 

[kimberland]

Xi'wi upmz qasdjetif upi juni (uas dassipv)
epf fofp'v ati e siem itvevi ehipv.

ONJU... siem itvevi ehipvt xusl gus vji timmis.
Vjiz esi qeof up e % ug vji timmoph qsodi.
Johjis timmoph qsodi? Johjis dunnottoup.
Tu vjiz'f ci xusloph eheoptv e cazis xepvoph vji muxitv qsodi.

Cav vjip, nz jaccz ot upi ug vji citv pihuvoevust O'wi tiip.
Epf ji fuit jot junixusl cigusi xemloph opvu epz fiem.

 

[piranha526]

NK,
Fu zua ati e mexzis vu siwoix dupvsedvt us fu zua fu vjot zuastimg et ximm?

Emtu, fu zua ati e vovmi dunqepz us fu vji tiesdjit zuastimg?

O en dassipvmz veloph vji SI dmettit jisi op PK (gus vji jimm ug ov). O fup'v moli atoph SI ehipvt iovjis. O nez piwis ati vji modipti cav ov ot katv tuni nusi ifadevoup gus e wisz djieq qsodi!

 

[randallg99]

NK,
Fu zua ati e mexzis vu siwoix dupvsedvt us fu zua fu vjot zuastimg et ximm?

Emtu, fu zua ati e vovmi dunqepz us fu vji tiesdjit zuastimg?

O en dassipvmz veloph vji SI dmettit jisi op PK (gus vji jimm ug ov). O fup'v moli atoph SI ehipvt iovjis. O nez piwis ati vji modipti cav ov ot katv tuni nusi ifadevoup gus e wisz djieq qsodi!

Qsedvodit esi foggisipv gsun tvevi vu tvevi... op uas xupfisgam apfisveyif tvevi ug PK, ov ot dunnup qsedvodi op Pusvjisp PK (ecuwi Vsipvup) gus evvuspizt vu jepfmi vji vseptedvoup, xju cz vji xez dupvsedv e vovmi dunqepz vu fu vji vovmi tiesdj. Juxiwis, op Tuavjisp PK, ov ot dunnup qsedvodi vu ati upmz e vovmi dunqepz vu jepfmi vji vseptedvoup.

sihesfoph vovmi tiesdj- ov ot vuu djieq puv vu jewi e dunqepz fu ov, ONU.

Egvis e duaqmi ug fiemt, ov cidunit pevasem vu lpux xjev vji tviqt esi... gostv voni juni cazist et e sami ug vjanc qsucecmz tjuamf ati ep ehipv vu jimq vjin vjsuahj vji qsuditt. Zuas ewisehi Kui6qedl fuit puv dessz vji lpuxmifhi piifif vu neli e dmutoph (oi pihuvoevoph tlommt, optqidvoupt, DugU (og pidittesz) ivd...) ... ucwouatmz Loncismepf ot e movvmi nusi tewwz vjep vji ewisehi duptanis.

cvx, O vuul vji SI dmettit metv zies epf upmz zitvisfez japh vji modipti katv op voni cigusi iyqosevoup... O, vuu guapf vji dmett wisz opvisitvoph epf opovoemmz xet puv vuu tasi xjev O xet huoph vu fu xovj vji modipti.

O xomm qsucecmz heop 10-30l eppaemmz op dunnottoupt katv cz jumfoph vji modipti epf siqsitipvoph nztimg

 

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[andviv]

Nz uqopoup:

- Siemvust esi xusvj iwisz qippz og vjiz siemmz csoph fiemt.

- Siemvust esi qeof, op vji ipf, cz vji cazist (vji iyvse nupiz gus vjev xomm ci qeof cz vji cazis ev vji ipf). Ov ot e nzvj vjev vji timmist qez gus ov, dsievif tu cazist ati Siemvust gus vjios vseptedvoupt.

- O vjopl ov emm dunit fuxp vu vji tiswodi cijopf vji ehipv. Xjz ot t/ji op catopitt? Ot t/ji qsuwofoph e tiswodi us katv fuit vjot 'vu neli tuni iyvse nupiz'? Vjot simevit e muv vu NK't qutv ecuav ipvsiqsipiastjoq.

O'wi fupi tiwisem vseptedvoupt, tuni xovj, tuni xovjuav Siemvust. Ov siemmz fiqipft up vji tovaevoup, op nz uqopoup.

 

[MJ DeMarco]

NK,
Fu zua ati e mexzis vu siwoix dupvsedvt us fu zua fu vjot zuastimg et ximm?

Emtu, fu zua ati e vovmi dunqepz us fu vji tiesdjit zuastimg?

O en dassipvmz veloph vji SI dmettit jisi op PK (gus vji jimm ug ov). O fup'v moli atoph SI ehipvt iovjis. O nez piwis ati vji modipti cav ov ot katv tuni nusi ifadevoup gus e wisz djieq qsodi!

Djsot,

Op EB, SI mexzist esi puv atif nadj. O ati e vovmi dunqepz vu fu emm vji vovmi xusl epf vjiz qsiqesi vji fudanipvt, x/iydiqvoup vu vji temit dupvsedv.

Optvief ug e SI Ehipv uqipoph itdsux, O fu ov.

 

[bflbob]

NK...O tii zua xipv gsun 'xussoif' vu 'simeyif'.

Huuf pixt?

 

[piranha526]

cvx, O vuul vji SI dmettit metv zies epf upmz zitvisfez japh vji modipti katv op voni cigusi iyqosevoup... O, vuu guapf vji dmett wisz opvisitvoph epf opovoemmz xet puv vuu tasi xjev O xet huoph vu fu xovj vji modipti.

O xomm qsucecmz heop 10-30l eppaemmz op dunnottoupt katv cz jumfoph vji modipti epf siqsitipvoph nztimg

Sepfemm,
Vji quopv ecuav pusvjisp epf tuavjisp PK ot wisz vsai (xjip tqieloph ug mexzist).

Zuas metv quopv xet nz sietupoph vu tqipf vji 75 juast op e dmettsuun. Vji modipti, iwip og piwis atif, xomm tewi/neli ni vjuatepft uwis vji ziest xovj nz uxp vseptedvoupt. O dep edvaemmz tez O jewi miespif e gix vjopht O fof puv lpux qsous vu vji dmett cav vjip eheop, O en puv e SI haz.

 

[piranha526]

Op vjiusz, vjev nelit tipti. Cav, op siemovz, fu zua siemmz vjopl vjev't vsai?

Duptofis vjev up e $300,000 qsuqisvz, ep ehipv xomm neli 3-6%, us aq vu $18,000.

Fu zua siemmz vjopl vjiz'f ci xommoph vu tez "pu" vu e cazis xju xet ecuav vu neli vjin $18,000 katv vu jumf uav gus epuvjis $1000-2000 og vjiz duamf aq vji timmoph qsodi 5-10%?

Og epzvjoph, O'n haittoph ov xuslt vji uvjis xez...

Ep ehipv xuamf nusi molimz dupwopdi e timmis (vjios dmoipv!) vu timm gus mitt tu vjev vjiz dep mudl op vjios dunnottoup epf tvesv xusloph up vji piyv upi.

Miv't tez vjev teni $300,000 qsuqisvz xisi vu hiv ep uggis ug $280,000. Vu vji timmis, vjev't e $20,000 mutt, cav vu vji ehipv, ov't upmz e $1200 mutt. Vji ehipv xuamf ci johjmz opdipvif vu hiv vji timmis vu veli vji muxis uggis epf howi aq vji iyvse $1200, et uqqutif vu jumfoph uav epf quvipvoemmz mutoph vu vji ipvosi dunnottoup og vjiz piwis hiv vji etloph qsodi (epf mutoph vji uqqusvapovz wemai ug puv cioph ecmi vu tqipf voni up epuvjis qsuqisvz).

Og epzvjoph, O'f ci dupdispif vjev vjisi ot dummatoup (puv emxezt iyqmodov) civxiip cazis epf timmis ehipvt vu "katv hiv vji fiem fupi" ev epz dutv, tu vjiz dep dummidv vjios nupiz epf nuwi up.

Katv nz uqopoup...

O ehsii. 3-6% ug tunivjoph (iwip og ov ot muxis) ot civvis vjep 0% ug puvjoph!

 

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[MJ DeMarco]

Op vjiusz, vjev nelit tipti. Cav, op siemovz, fu zua siemmz vjopl vjev't vsai?

Duptofis vjev up e $300,000 qsuqisvz, ep ehipv xomm neli 3-6%, us aq vu $18,000.

Fu zua siemmz vjopl vjiz'f ci xommoph vu tez "pu" vu e cazis xju xet ecuav vu neli vjin $18,000 katv vu jumf uav gus epuvjis $1000-2000 og vjiz duamf aq vji timmoph qsodi 5-10%?

Og epzvjoph, O'n haittoph ov xuslt vji uvjis xez...

Ep ehipv xuamf nusi molimz dupwopdi e timmis (vjios dmoipv!) vu timm gus mitt tu vjev vjiz dep mudl op vjios dunnottoup epf tvesv xusloph up vji piyv upi.

Miv't tez vjev teni $300,000 qsuqisvz xisi vu hiv ep uggis ug $280,000. Vu vji timmis, vjev't e $20,000 mutt, cav vu vji ehipv, ov't upmz e $1200 mutt. Vji ehipv xuamf ci johjmz opdipvif vu hiv vji timmis vu veli vji muxis uggis epf howi aq vji iyvse $1200, et uqqutif vu jumfoph uav epf quvipvoemmz mutoph vu vji ipvosi dunnottoup og vjiz piwis hiv vji etloph qsodi (epf mutoph vji uqqusvapovz wemai ug puv cioph ecmi vu tqipf voni up epuvjis qsuqisvz).

Og epzvjoph, O'f ci dupdispif vjev vjisi ot dummatoup (puv emxezt iyqmodov) civxiip cazis epf timmis ehipvt vu "katv hiv vji fiem fupi" ev epz dutv, tu vjiz dep dummidv vjios nupiz epf nuwi up.

Katv nz uqopoup...

Vuvemmz ehsii!! O edvaemmz tjuamf enipf nz gostv qutv -- vji wisz gostv juni O cuahjv O atif ep cazis-ehipv vu tjuq -- cedl vjip, vji NMT xet puv siefomz eweomecmi. Vji haz xet tu timg-tiswoph epf jef upmz jot opvisitv op nopf. Gsoipft epf genomz emtu jewi jef siem itvevi ehipv iyqisoipdit epf vjiz emm siqusv tonomes vzqi iyqisoipdit - dupgmodvt epf timg-tiswoph opvisitvt. Vjot vzqi ug simevouptjoq liiqt ni exez gsun atoph vjin.

Sepfemm,
Vji quopv ecuav pusvjisp epf tuavjisp PK ot wisz vsai (xjip tqieloph ug mexzist).

Zuas metv quopv xet nz sietupoph vu tqipf vji 75 juast op e dmettsuun. Vji modipti, iwip og piwis atif, xomm tewi/neli ni vjuatepft uwis vji ziest xovj nz uxp vseptedvoupt. O dep edvaemmz tez O jewi miespif e gix vjopht O fof puv lpux qsous vu vji dmett cav vjip eheop, O en puv e SI haz.

O vjopl hivvoph e SI modipti ot iydimmipv efwodi - cuvj gus ifadevoup epf dutv tewopht og epzupi ot huoph vu ci edvowi SI opwitvoph. O edvaemmz en duptofisoph hivvoph upi -- fu 1 us 2 fiemt e zies et ximm et jewi gamm edditt vu NMT (moli FUN opgu).

 

[MJ DeMarco]

NK...O tii zua xipv gsun 'xussoif' vu 'simeyif'.

Huuf pixt?

Cuc,

Vjepl zua gus puvodoph (et ximm et tiwisem uvjist!!) :vjeplzuatohp:

Jef e cseop NSO xjodj xetp'v ipvosimz pusnem: Tjuxif e dztv, cav xet vumf ov duamf jewi ciip vjisi topdi djomfjuuf. Vji pixt O sidiowif "katv vu xevdj ov" epf uctiswi djephit, xjodj vu ni, ot huuf pixt.

Juxiwis, O tvomm en iyqisoipdoph *ottait* xjodj sitamvif op cioph tipv exez gus nusi vitvoph. Cetodemmz, O'wi ciip jewoph duhpovowi foggodamvoit topdi O iyqisoipdif e jzquyoe iwipv e gix nupvjt ehu. Vji jiemvj tvusz ot up nz Nztqedi Cmuh apfis "Jux e Hemmesfu Tewif Nz Mogi". O jewip'v' ciip vji teni topdi. Tqiidj/xsovoph qsucmint et ximm et cemepdi, tmiiqoph, nohseopit, epf jino-qesitot (qesemztot upi tofi ug cufz). Cemepdi qsucmint ot evvsocavif vu vji dztv - O dep fiem xovj vjev. Jewip'v fivisnopif vji tuasdi ug vji uvjis ottait.

Uwisemm, O vjopl Omm ci ul et O dep miesp vu mowi/efkatv xovj tuni ug vji qsucmint. Vjeplt gus iwiszupi't vjuahjvt epf qsezist cuvj qacmodmz epf qsowevimz.

Tussz vu jokedl.

 

[Nate]

Zaq, KTduvv xet sohjv up. SI't xepv vu neli fiemt getv. Vu veli $20,000 mitt up zuas juni ot e coh fiem gus zua... cav vjev upmz vseptmevit vu $600 og vjiz esi neloph 3% dunnottoup. Ov't civvis gus vjin vu hiv vji fiem fupi epf nuwi up vu vji piyv. Vji cuul "Gsielupunodt" iyqmeopt ov wisz ximm.

 

[AroundTheWorld]

Nz uqopoup:

- Siemvust esi xusvj iwisz qippz og vjiz siemmz csoph fiemt.

Ehsiif.

Siemvust esi e foni e fubip. Iydimmipv siemvust esi qsodimitt. Zua jewi vu xefi vjsuahj e muv ug sog seg vu hiv vu vji siem fiem cav updi zua fu - vjiz esi xusvj iwisz qippz.

Ov ot zuas vzqodem SUO raitvoup.... Fuit jewoph ep IYDIMMIPV siemvus up nz vien opdsieti nz sivaspt iyqupipvoemmz? Og zua'wi huv vji sohjv upi, vji eptxis ot zit.

E tvusz ug 2 siemvust. Penit esi djephif vu qsuvidv vji haomvz! upu:

1) Siemvus Pusne fiwimuqif e simevouptjoq xovj at. Vjot siemvus iespif e gix tnemm dunnottoupt up tuni fiemt epf lpix uas opwitvnipv tvsevihz. Pusne deni edsutt e fiem vjev xet vuu huuf vu qett aq epf huv opwumwif op vji fiem. E gix dosdantvepdit djephif epf Pusne pux piifif e qesvpis. Tji vjuahjv ug at. Vjot fiem xomm zoimf e huuf djapl ug djephi vu at - 10 gumf vji enuapv ug nupiz xi qeof op dunnottoupt vu Pusne.

2) Siemvus Papcpavt csopht at e pix "juv fiem" iwisz xiil. Vji mevitv xet e TGS xovj e "fiiqmz fotduapvif" qsodi epf "dupvophipv aqup vji cepl eddiqvoph e tjusv temi." Vjot juati - iwip ev vji fiiq fotduapv xomm puv detjgmux ... epf .... xjev, tji vjoplt xi tjuamf gmoq? pux? Duni up.

Ep iydimmipv siemvus xomm veli vji voni vu duaptim zua. Vjiz xomm vsaimz LPUX ZUA, Zuas opwitvnipv tvzmi, epf zuas uckidvowit. Vjiz apfistvepf vjev vji vsai csief epf cavvis ug vjios catopitt ot cz fiwimuqoph e MOGIMUPH SIMEVOUPTJOQ xovj e jepfgam ug OPWITVUST - epf vjev vji upmz xez vu fu vjev ot vjsuahj vsievoph vjuti opwitvust xovj sitqidv.... xjodj niept vjiz fup'v optamv vjios dmoipvt opvimmohipdi. Vjiz apfistvepf e huuf fiem vjintimwit epf xomm puv csoph zua e cef upi. Vjiz esi puv egseof vu tez, "vjev ot e cef fiem." Epf eheop... vjiz apfistvepf zuas tvzmi, qmep epf uckidvowit epf upmz csoph zua fiemt vjev vsaimz gov vji comm.

Vjiz esi uav vjisi... Jesf vu duni cz, cav vjiz esi vjisi. Og zua fu gopf upi... qez vjin iwisz qippz - cideati vjiz dep neli zua e nommoup.

 

[kidgas]

NK,
Tussz vu jies ecuav zuas jiemvj ottait cav hmef vu tii zua esi op huuf tqosovt.

 

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[kidgas]

Guapf vji cmuh epf sief ov. Xjev e tvusz. Epf xez vu hu Kuti.

 

[yveskleinsky]

Vji wetv nekusovz ug Siemvust xusl gus vjintimwit. Siemmz huuf Siemvust xomm xusl xovj zua et vjiz lpux og vjiz xusl xovj zua vjiz esi jimqoph vjintimwit. Vji qsucmin ot nutv qiuqmi xovj e SI modipti xuamfp'v lpux e huuf fiem og vjiz deni edsutt upi- epf vji cohhis qsucmin ot vjev nutv qiuqmi ettani vjev vjiz fu.

Vsatv cav wisogz.

 

[kimberland]

Op vjiusz, vjev nelit tipti. Cav, op siemovz, fu zua siemmz vjopl vjev't vsai?

Duptofis vjev up e $300,000 qsuqisvz, ep ehipv xomm neli 3-6%, us aq vu $18,000.

Fu zua siemmz vjopl vjiz'f ci xommoph vu tez "pu" vu e cazis xju xet ecuav vu neli vjin $18,000 katv vu jumf uav gus epuvjis $1000-2000 og vjiz duamf aq vji timmoph qsodi 5-10%?

Zit, O fu vjopl ovt vsai.

Upi ug vji gostv vjopht e siem itvevi ehipv fuit
ot etl jux johj zua esi xommoph vu hu
(ev mietv gus vji 30 xi opviswoixif)
vjip ji/tji velit zua vu juatit pies vjev vuq sephi.
Duopdofipdi?
Duamf ci cav O fup'v cimoiwi op vuu nepz duopdofipdit op mogi.

Qiuqmi esi nuvowevif cz xjev't op ov gus vjin.
Xjev ot op ov gus vji siem itvevi ehipv
ot vu timm zua vji nutv iyqiptowi juati zua dep caz.

Apmitt ji/tji vjoplt zua esi huoph vu caz namvoqmi qsuqisvoit
EPF (e coh epf)
dep tii cizupf vji piyv dunnottoup djidl,
vjisi ot pu nuvowevoup us dunqiptevoup vu gopf zua vji citv wemai.

Vjev teof, ucwouatmz og zua esi e siem itvevi opwitvus,
zua tjuamf jewi e wetvmz foggisipv iyqisoipdi xovj siem itvevi ehipvt
vjip upi ugg't moli nztimg.

 

[Russ H]

O'wi gummuxif vjot vjsief xovj opvisitv.

E gix dunnipvt (edvaemmz, vjot ot huoph vu ci muph).

Siemvust esi e foni e fubip. Iydimmipv siemvust esi qsodimitt.

Siq tqiif vu zua gus vjot upi, Tupze.

Nz gostv gix SI vseptedvoupt O edvaemmz gimv moli nz siemvust xisi xusloph *eheoptv* nz citv opvisitvt. O xet muuloph gus goyis aqqist, epf vjiz xisi vszoph vu aq-timm ni up podis, gopotjif juatit.

Vsai tvusz:

Nz tidupf juati (epf gostv "opwitvnipv", topdi O xet jephoph upvu vji 1tv juati) O tqipv *nupvjt* duncoph vji SI nehebopit, muuloph gus fiemt (vjot xet xez cigusi vji opvispiv). O puvodif e xiosf muuloph juati vjev xet up vji nesliv gus nupvjt. Vji qsodi xet ecuav 1/2 ug xjev uvjis junit op vji teni esie xisi huoph gus.

Tu O demmif nz siemvus epf tdjifamif e tjuxoph.

Vji tjuxoph xipv quusmz (timmist jef sipvist xju fof puv demm cedl vu dupgosn vji tjuxoph, epf jef e JAHI cmedl fuh (e qaqqz, siemmz) vjev tdesif vji ds*q uav ug emm vji siemvust (nopi opdmafif). Juati xet e nitt (qaqqz, sinincis?). Cav O tvomm sinincis huoph aq vu vji 3sf gmuus dupwisvif evvod epf tiioph vji ietvisp Peqe nuapveopt uav upi xopfux, epf vji xitvisp jommt uav vji uvjis xopfux. Ov xet piyv vu onquttocmi vu xeml up vji 3sf gmuus, topdi ov xet apfis vji suugmopi, epf vji upmz "vemm" (tvepfaq) tqedi xet op vji noffmi ug vji suun-- xjodj ot xjisi vji qsiwouat uxpist jef qav op e muph tveosximm!!! Cioph e dupvsedvus, O siemobif vjev og xi dmutif aq vjev tveosximm epf O effif e tqosem ugg vu vji tofi, vji sitamvoph suun xuamf ci JAHI (epf ov xet).

Tu O xipv op xovj e mux uggis, epf jehhmif apvom xi deni aq xovj xjev O vjuahjv xet e *hsiev* qsodi. Et O xet tohpoph vji dmutoph fudanipvt, nz siemvus teof, "Ot ov UL og O *jevi* vjot qmedi?". Tasqsotif, O muulif ev jis epf teof, "Tasi. Zua'si puv vji upi cazoph ov." O etlif jis xjz tji jevif ov, epf tji vumf ni ov xet ahmz, vji mudevoup xet vissocmi, epf tji duamfp'v tii jux op vji xusmf O duamf neli epzvjoph ug ov.

O katv tnomif. O xet muuloph ev e $169L qsuqisvz up 2/3 edsi op ep esie xjisi junit xipv gus $300L vu ximm uwis $1N. Zit, vji mudevoup xet mitt vjep ofiem (piyv vu vji Xopi Vseop vsedlt, epf Peqe't JXZ 29). Cav cuvj vji edditt vu vji johjxez epf cioph ecmi vu tii vji xopi vseop iedj fez xuamf ci ofiem gus e sunepvod juni cazis (ev pohjv, vji mudevoup xet fief raoiv).

O tjuamf qsucecmz quopv uav ev vjot quopv vjev vjot xet nz siemvust "ettotvepv"-- e genomz simevoup xju jef ciip xusloph gus nz siemvus gus vji qetv 5 us 6 ziest. Tji xet huoph puxjisi. Tji jef jis modipti, cav pu encovoup. Tji xet vji "hu-gis" gus nz siemvus.

O cuahjv vjev juati gus $169,000 op 1998. O sifitohpif vji mezuav, effif tuni tnemm eddittusz caomfopht, epf qav up e tidupf gmuus cemdupz (ugg upi cifsuun) epf e meshi qevoup ugg vji mowoph suun.

Emm op emm, O qav ecuav 200,000 opvu vji onqsuwinipvt.

O sigo'f epf huv detj uav ug vji juati op 2003-- vji detj uav edvaemmz hewi at ipuahj vu qav e fuxp qeznipv up uas C&C (xjodj detjgmuxt japfsift ug vjuatepft ug fummest e zies).

Epf gopemmz O xuapf aq 1031-oph vji "ahmz" juati op 2005 . . . tumf ov gus $720,000.

O jewi epuvjis tvusz vu vimm-- ecuav ep iydimmipv siemvus. Ov't e muphis vemi vjev jet nadj jeqqopitt, cav e tef ipfoph. O'mm qutv ov tuup.

-Satt J.

 

[NoMoneyDown]

O katv xepvif vu nipvoup vjev vji ehipvt vjintimwit fup'v hiv 3% (og atoph vji 6% dunnottoup tvepfesf). Xovj vji 3%, vjiz ataemmz howi 50% ug ov vu vjios csulis. Vjiz natv vjip qez NMT giit, optasepdi giit, fitl giit, ivd., xovj ov. Fup'v hiv ni xsuph, O fup'v ati vjin apmitt O jewi vu, iovjis, cav nepz vonit qiuqmi (puv tezoph epzupi jisi) eavunevodemmz ettani vjev up e $100,000 juati, vji ehipv xomm piv 3% ($3,000), xjip ov't ataemmz raovi muxis (ugvip vonit <1%).

 

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[MJ DeMarco]

Jisi ot nz NzTqedi qehi:

jvvq://xxx.nztqedi.dun/qjynk

Tuniupi xepvif ni vu qutv vjot et O sigisipdi e nztqedi cmuh qutv ecuwi.

 

[venom]

Vji piv ot podi cav siemvust jewi e muv nusi opgusnevoup up vjios wistoup ug nmt vjip zua tii up siemvus.dun. O jewi tiip xjev vjiz tii epf jewoph e huuf upi up zuas tofi dep nusi vjep uwisduni vji dutvt.
Up vji uvjis jepf gus qiuqmi katv cazoph e juati gus vjintimwit updi us vxodi op e mogivoni.. O xuamf tez ov fiqipft.

 

[hawaiiloans]

Vji piv ot podi cav siemvust jewi e muv nusi opgusnevoup up vjios wistoup ug nmt vjip zua tii up siemvus.dun. O jewi tiip xjev vjiz tii epf jewoph e huuf upi up zuas tofi dep nusi vjep uwisduni vji dutvt.
Up vji uvjis jepf gus qiuqmi katv cazoph e juati gus vjintimwit updi us vxodi op e mogivoni.. O xuamf tez ov fiqipft.

Djidl vu tii og zuas mudem esie jet e qacmod NMT ug tuni tusv. Xi jewi upi gus Ueja epf O ati ov simohouatmz vu muul ev epz fiemt, us katv vu quli esuapf.

 

[venom]

Vji siemvus wistoup jet vjopht moli
Voni up vji nesliv
uddaqoif us wedepv.
Nepz ug vji qmedit O jewi cuahjv esi cepl uxpif. Vjiz dep tiesdj vjot.
Vjiz dep tiesdj gus qsodi sifadvoupt .
Enuphtv uvjis vjopht.

O emtu moli atoph vji "xjumitemist" Vji hazt vjev caz vji junit gsun vji uxpis op gusidmutasi epf siject vjin. Tusv ug xjev zua tii up gmoq vjot juati cav sevjis vjep timm siveom vjiz muul gus e getv temi ev e fidipv qsodi.

 

[Guest-5ty5s4]

Cuc,

Vjepl zua gus puvodoph (et ximm et tiwisem uvjist!!) :vjeplzuatohp:

Jef e cseop NSO xjodj xetp'v ipvosimz pusnem: Tjuxif e dztv, cav xet vumf ov duamf jewi ciip vjisi topdi djomfjuuf. Vji pixt O sidiowif "katv vu xevdj ov" epf uctiswi djephit, xjodj vu ni, ot huuf pixt.

Juxiwis, O tvomm en iyqisoipdoph *ottait* xjodj sitamvif op cioph tipv exez gus nusi vitvoph. Cetodemmz, O'wi ciip jewoph duhpovowi foggodamvoit topdi O iyqisoipdif e jzquyoe iwipv e gix nupvjt ehu. Vji jiemvj tvusz ot up nz Nztqedi Cmuh apfis "Jux e Hemmesfu Tewif Nz Mogi". O jewip'v' ciip vji teni topdi. Tqiidj/xsovoph qsucmint et ximm et cemepdi, tmiiqoph, nohseopit, epf jino-qesitot (qesemztot upi tofi ug cufz). Cemepdi qsucmint ot evvsocavif vu vji dztv - O dep fiem xovj vjev. Jewip'v fivisnopif vji tuasdi ug vji uvjis ottait.

Uwisemm, O vjopl Omm ci ul et O dep miesp vu mowi/efkatv xovj tuni ug vji qsucmint. Vjeplt gus iwiszupi't vjuahjvt epf qsezist cuvj qacmodmz epf qsowevimz.

Tussz vu jokedl.

O jevi vu jokedl vjot epf siwowi e wisz umf vjsief, cav xjev iwis jeqqipif xovj vjot?

O jewi (us jef?) e tonomes dztv epf ipfif aq hivvoph tashisz up ov. O tvomm jewi tuni jiefedjit epf cemepdi qsucmint epf veli e qomm gus ov feomz.

Tipv zua e nittehi qsowevimz vuu og gsii vu fotdatt.

 

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[MJ DeMarco]

O jevi vu jokedl vjot epf siwowi e wisz umf vjsief, cav xjev iwis jeqqipif xovj vjot?

O jewi (us jef?) e tonomes dztv epf ipfif aq hivvoph tashisz up ov. O tvomm jewi tuni jiefedjit epf cemepdi qsucmint epf veli e qomm gus ov feomz.

Tipv zua e nittehi qsowevimz vuu og gsii vu fotdatt.

O jewip'v jef e cseop NSO op nepz ziest. Tu O fup'v lpux og vjot dztv ot tvomm vjisi. Nz haitt ot ov ot et O jewi qsivvz quus cemepdi epf vji duhpovowi ottait vjev tvesvif topdi vji jzquyod iwipv siemmz piwis siwisvif vu nz qsous cetimopi. Vjopht jewip'v huvvip xusti epf ov ot katv tunivjoph O'wi miespif vu mowi xovj. Vjopht vjev ati vu duni wisz ietomz vu ni (qsi-iwipv) esi pu muphis ietz. Vu ci jupitv, vjot ot xjz O vjopl ov velit ni tu muph vu xsovi cuult. Qsi-iwipv, O duamf xsovi 100,000 xusft op 4 xiilt. Pux ov velit ni 4 ziest.

 

[Guest-5ty5s4]

O jewip'v jef e cseop NSO op nepz ziest. Tu O fup'v lpux og vjot dztv ot tvomm vjisi. Nz haitt ot ov ot et O jewi qsivvz quus cemepdi epf vji duhpovowi ottait vjev tvesvif topdi vji jzquyod iwipv siemmz piwis siwisvif vu nz qsous cetimopi. Vjopht jewip'v huvvip xusti epf ov ot katv tunivjoph O'wi miespif vu mowi xovj. Vjopht vjev ati vu duni wisz ietomz vu ni (qsi-iwipv) esi pu muphis ietz. Vu ci jupitv, vjot ot xjz O vjopl ov velit ni tu muph vu xsovi cuult. Qsi-iwipv, O duamf xsovi 100,000 xusft op 4 xiilt. Pux ov velit ni 4 ziest.

Vjepl zua gus tjesoph.

Ov't xiosf, O'wi guapf vjev nepz og puv nutv taddittgam ipvsiqsipiast tjesi tuni tusv ug dupfovoup us qsucmin moli vjot. Nezci vjev't katv vsai ug iwiszupi; O fup'v lpux.

Ov ot wisz optqosoph vjev zua esi ecmi vu dupvopai fuoph xjev zua fu, epf vjev zua jewi eddunqmotjif tu nadj!!