Property Management 看上自己的房子了。

 这房挂出两个月了,都没有出租出去。但代理的PM看上了,不知道是好事还是坏事?你们经验丰富,帮看看我应该怎么处理。他提出这个办法可行不?里面是不是隐藏什么无法现在能看到,想到的问题会发生呢?

It would be me that is interested in buying. The way it would work by doing a contract sale is it would be a certain length contract. I was thinking a 3yr contract. I would take over the taxes, insurance, utilities maintenance of the property, etc. so you would no longer have any expenses on the property. You would just be collecting a monthly agreed upon amount. At the end of the 3yr contract I would be able to go to the bank and get a mortgage on the property to purchase it outright from you. Over the 3yrs my monthly payment that is going to you would be going towards the purchase price of the home, that way when I go to the bank I have equitable interest in the property and can take out a mortgage to purchase the property from you. The numbers I had worked was a purchase price of $365k and I would make monthly payments of $2000 for 3yrs. At the end of that 3yrs I would have paid you $72k leaving me with $293k left on the contract with you that I would get mortgaged from the bank and you would then receive that lump sum of $293k. During the time of the contract, if I for some reason were to default on the contact with you, you would receive possession of the property back as well as keep any money that I had paid you to that point. Let me know if there are any additional questions you have as I know this is an unconventional way to purchase a property and can be a bit confusing. No worries if you are not interested in this, I just thought that I would ask.

 
I want to point out that my interest in the property does not change the fact that I am still working to get the property rented for you. The time of year and higher priced rentals don't mix well and the leads have been hard to come by. I am still working diligently to get your property rented. 

所有跟帖: 

这三年你会失去房子升值的潜力。朽兄名言,能不卖不卖 -新手地主刚上路- 给 新手地主刚上路 发送悄悄话 (0 bytes) () 11/23/2024 postreply 14:51:46

主要是这个lease option对房主不fair,真是做白日梦 -jenning- 给 jenning 发送悄悄话 jenning 的博客首页 (718 bytes) () 11/23/2024 postreply 15:02:59

建宁兄讲的清楚。这个PM有点乘小火打劫的意思 -新手地主刚上路- 给 新手地主刚上路 发送悄悄话 (0 bytes) () 11/23/2024 postreply 15:43:59

是啊,我感觉那里对劲。 -Day2022- 给 Day2022 发送悄悄话 (171 bytes) () 11/23/2024 postreply 18:58:40

Fire 他。 -alpha123- 给 alpha123 发送悄悄话 (0 bytes) () 11/24/2024 postreply 04:46:04

再请问,在中部空着的房子是不是要关了水电啊? -Day2022- 给 Day2022 发送悄悄话 (104 bytes) () 11/23/2024 postreply 19:06:23

我不会关 -新手地主刚上路- 给 新手地主刚上路 发送悄悄话 (0 bytes) () 11/24/2024 postreply 04:22:52

谢谢了! 这些好的建议。这房子真正的市场价是$2800, 现在已降到$2600,还是租不出去。 -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 18:49:36

冬天长时间租不出去很正常,过完年后会好些,当地主得有耐心。 -jenning- 给 jenning 发送悄悄话 jenning 的博客首页 (246 bytes) () 11/23/2024 postreply 19:05:06

谢谢鼓励。我只是一个房子,还是远程。曾经想卖掉算了。但现在卖的话,损失更多。 -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 19:09:23

这个合同相当于一个三年后执行的option,到时候如果房价增值就执行option,万一房价跌了就拍屁股走人,对你没什么好处啊 -ljty1- 给 ljty1 发送悄悄话 (0 bytes) () 11/23/2024 postreply 15:20:00

嘿。你遇到坏人了。如果不懂的人要与不懂你做笔损人利己的生意,还可说是笨人,懂的人这么做就是骗人。这人是经纪,以懂骗不懂。 -守月- 给 守月 发送悄悄话 (320 bytes) () 11/23/2024 postreply 15:55:11

非常感谢!你的分析很到位。 -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/24/2024 postreply 06:04:45

以前来问的是房客想占便宜,一笑置之即可。这次是PM,性质就变了,他要为你工作,而此人不可靠,这点要心中有数。 -守月- 给 守月 发送悄悄话 (117 bytes) () 11/24/2024 postreply 08:06:29

是的,你说得对。你说我应以什么理由去Fire 他呢?他才能接受呢? -Day2022- 给 Day2022 发送悄悄话 (90 bytes) () 11/24/2024 postreply 08:14:54

看合同怎么签的。有随时解约提前30天通知和一年到期提前30天通知。没有书面合同的,就直接以招租超过时间为由,礼貌地换人。 -守月- 给 守月 发送悄悄话 (0 bytes) () 11/24/2024 postreply 08:29:25

你是通过什么渠道找到好的PM的? -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/24/2024 postreply 08:19:12

开始只能是从网上找,看多少年的公司,评价如何。之后,不疑,直到发生了疑事。任何合作关系,靠的半是机缘半是自己脑子清醒。 -守月- 给 守月 发送悄悄话 (0 bytes) () 11/24/2024 postreply 08:33:11

谢谢! -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/24/2024 postreply 10:34:10

他付的租金算在房价里。相当于你这房子现在就卖了,3年后拿钱。这option没有价钱的?除非这个卖价高于目前市价 -dayday_up- 给 dayday_up 发送悄悄话 (0 bytes) () 11/23/2024 postreply 16:51:37

谢谢你的分析。决定不卖了。 -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 19:00:23

现在利率高,不是卖房的好时机,即便想卖,也可以等利率降到6%再卖。 -jenning- 给 jenning 发送悄悄话 jenning 的博客首页 (0 bytes) () 11/23/2024 postreply 19:06:35

好吧,再等等。不知两年后房价是不是又降了呢? -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 19:11:33

这个协议的问题是他在三年里付的钱都作为downpayment,那不相当于白用?Lease option要付租金的 -mominma- 给 mominma 发送悄悄话 mominma 的博客首页 (80 bytes) () 11/23/2024 postreply 19:24:07

建议考虑换个PM出租,此PM已有conflict of interest,未必会全心全意帮找租客,而且 -mominma- 给 mominma 发送悄悄话 mominma 的博客首页 (135 bytes) () 11/23/2024 postreply 19:43:12

'我跟他签的合同是明年9月份到期。如果现在換PM, 能跟他取消协议吗? -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 19:53:41

他提这个购买要求已经有conflict of interest 了,我会给他一个月时间,如果租不出去就换人了 -xiaofengjiayuan- 给 xiaofengjiayuan 发送悄悄话 xiaofengjiayuan 的博客首页 (0 bytes) () 11/24/2024 postreply 05:07:37

谢谢你的提醒,我感觉他以为我不懂。 -Day2022- 给 Day2022 发送悄悄话 (0 bytes) () 11/23/2024 postreply 19:55:52

那PM 自以为聪明……… -alpha123- 给 alpha123 发送悄悄话 (0 bytes) () 11/24/2024 postreply 04:36:39

学习了。pm教了你一招 什么叫空手套白狼 -惨白的天使- 给 惨白的天使 发送悄悄话 惨白的天使 的博客首页 (0 bytes) () 11/23/2024 postreply 22:34:22

哈,涨见识了:) -pickshell- 给 pickshell 发送悄悄话 (0 bytes) () 11/24/2024 postreply 03:23:39

这是不是属于卖家房贷给买家的一种方式呢? -美国新人- 给 美国新人 发送悄悄话 (0 bytes) () 11/24/2024 postreply 15:32:00

哦 叫sellers finace -美国新人- 给 美国新人 发送悄悄话 (0 bytes) () 11/24/2024 postreply 15:55:00

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