Property Management 看上自己的房子了。

 這房掛出兩個月了,都沒有出租出去。但代理的PM看上了,不知道是好事還是壞事?你們經驗豐富,幫看看我應該怎麽處理。他提出這個辦法可行不?裏麵是不是隱藏什麽無法現在能看到,想到的問題會發生呢?

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: 

這三年你會失去房子升值的潛力。朽兄名言,能不賣不賣 -新手地主剛上路- 給 新手地主剛上路 發送悄悄話 (0 bytes) () 11/23/2024 postreply 14:51:46

主要是這個lease option對房主不fair,真是做白日夢 -jenning- 給 jenning 發送悄悄話 jenning 的博客首頁 (718 bytes) () 11/23/2024 postreply 15:02:59

建寧兄講的清楚。這個PM有點乘小火打劫的意思 -新手地主剛上路- 給 新手地主剛上路 發送悄悄話 (0 bytes) () 11/23/2024 postreply 15:43:59

是啊,我感覺那裏對勁。 -Day2022- 給 Day2022 發送悄悄話 (171 bytes) () 11/23/2024 postreply 18:58:40

再請問,在中部空著的房子是不是要關了水電啊? -Day2022- 給 Day2022 發送悄悄話 (104 bytes) () 11/23/2024 postreply 19:06:23

謝謝了! 這些好的建議。這房子真正的市場價是$2800, 現在已降到$2600,還是租不出去。 -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 18:49:36

冬天長時間租不出去很正常,過完年後會好些,當地主得有耐心。 -jenning- 給 jenning 發送悄悄話 jenning 的博客首頁 (246 bytes) () 11/23/2024 postreply 19:05:06

謝謝鼓勵。我隻是一個房子,還是遠程。曾經想賣掉算了。但現在賣的話,損失更多。 -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 19:09:23

這個合同相當於一個三年後執行的option,到時候如果房價增值就執行option,萬一房價跌了就拍屁股走人,對你沒什麽好處啊 -ljty1- 給 ljty1 發送悄悄話 (0 bytes) () 11/23/2024 postreply 15:20:00

嘿。你遇到壞人了。如果不懂的人要與不懂你做筆損人利己的生意,還可說是笨人,懂的人這麽做就是騙人。這人是經紀,以懂騙不懂。 -守月- 給 守月 發送悄悄話 (320 bytes) () 11/23/2024 postreply 15:55:11

他付的租金算在房價裏。相當於你這房子現在就賣了,3年後拿錢。這option沒有價錢的?除非這個賣價高於目前市價 -dayday_up- 給 dayday_up 發送悄悄話 (0 bytes) () 11/23/2024 postreply 16:51:37

謝謝你的分析。決定不賣了。 -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 19:00:23

現在利率高,不是賣房的好時機,即便想賣,也可以等利率降到6%再賣。 -jenning- 給 jenning 發送悄悄話 jenning 的博客首頁 (0 bytes) () 11/23/2024 postreply 19:06:35

好吧,再等等。不知兩年後房價是不是又降了呢? -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 19:11:33

這個協議的問題是他在三年裏付的錢都作為downpayment,那不相當於白用?Lease option要付租金的 -mominma- 給 mominma 發送悄悄話 mominma 的博客首頁 (80 bytes) () 11/23/2024 postreply 19:24:07

建議考慮換個PM出租,此PM已有conflict of interest,未必會全心全意幫找租客,而且 -mominma- 給 mominma 發送悄悄話 mominma 的博客首頁 (135 bytes) () 11/23/2024 postreply 19:43:12

'我跟他簽的合同是明年9月份到期。如果現在換PM, 能跟他取消協議嗎? -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 19:53:41

謝謝你的提醒,我感覺他以為我不懂。 -Day2022- 給 Day2022 發送悄悄話 (0 bytes) () 11/23/2024 postreply 19:55:52

學習了。pm教了你一招 什麽叫空手套白狼 -慘白的天使- 給 慘白的天使 發送悄悄話 慘白的天使 的博客首頁 (0 bytes) () 11/23/2024 postreply 22:34:22

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