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Recent Property Insurance questions

I have a property has two entrances one in each side of

I have a property has two entrances one in each side of adjacent roads and the back part of the property which has it own garage too has a nominal address in the back street which make two addresses to this property that I am living in but I want to rent it as a roommate for a lady where we share water and electricityThe rental managemt company asked about property insurance I gave them the my insurance which cover the whole propertyCan I still use the back nominal address or not

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Attyadvisor

Doctoral Degree

8,676 satisfied customers
I was under contract to purchase a property from a friend.

I was under contract to purchase a property from a friend. It was on a promissory note. we set up the payments to be every two weeks I then went to a job that paid every week. There was a set amount taken out of my check every week which resulted in the loan getting paid down faster since it was based on simple interest. We had a disagreement on what was owed.With the other financial issues I might be facing I quit deeded the property back to her. ( I no longer live there) Is there anything I need to do? I still have the property insured in my name.

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Ray

Lawyer

Doctoral Degree

43,904 satisfied customers
If you buy a property at a county tax sale, can the original

If you buy a property at a county tax sale, can the original owner who has the right of redemption sign a quit claim deed over to a third party and that third party sell the property and then pay you - as the tax sale buyer - from the proceeds of that sale before the redemption period expires, and is it legal to do a real estate closing with the third party buyer (bypassing the original owner with the right of redemption) at the closing? I am the tax sale buyer and have been told that a third party had the owner sign a quit claim deed on a promise of helping her improve her credit score ( no money to her and they have sold the property, had a closing without me, and sent me a check without the original owner ever redeeming it from me.) Is this legal?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: Georgia, RomeJA: Has any paperwork been filed?Customer: The closing took place on the 29th, while I was out of state, and I was express mailed a personal check from the buyer for the amount of money I paid plus 30% mandated fee. I doubt any paper work has been filed at the court house yet, because at this point I have not yet signed the quit claim deed they are insisting I sign. I have refused to sign anything at this point, and the attorney's office has sent me an email stating that if I do not sign the email I could be in legal trouble. This doesn't sound right to me. I thought only the original owner had the right of redemption and to pay me before she could do anything with the property.JA: Anything else you want the lawyer to know before I connect you?Customer: No, thanks.

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Ray

Lawyer

Doctoral Degree

43,904 satisfied customers
I lived with my husband (not legally married w/marriage

I lived with my husband (not legally married w/marriage license) for 25 years.JA: Because laws vary from place to place, can you tell me what state this is in?Customer: He has passed & in his will/living trust he states for me to stay with the house make the morgage payement & property tax & property insurance payments up to 5 years or if i decided to leave . We forward the house for sale My problem to meis my name is ***** ***** the deed.JA: Sorry. What is her name?Customer: Elise ThomasJA: Elise ThomasCustomer: CaliforniaJA: Has any paperwork been filed?Customer: noJA: Anything else you want the lawyer to know before I connect you?Customer: no cant think of anything

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Damien Bosco

Attorney

Doctoral Degree

3,978 satisfied customers
We have signed almost all the documents in connection with a

We have signed almost all the documents in connection with a reverse mortgage, which has not yet closed. One of the documents requested by the lender, which we have objected to signing, is a Release, Indemnification, and Hold Harmless Agreement which provides, among other things, that we are responsible for all third party fees and expenses regardless of whether the loan closes or not. It also provides that we release the lender from all claims and it contains a hold harmless agreement against third party claims. Does this document violate the 3 day cancellation rule? Also, should we sign it?

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Ray

Lawyer

Doctoral Degree

43,904 satisfied customers
I have a sibling who is Executor of our Father's Estate. She

I have a sibling who is Executor of our Father's Estate. She also had a land contract to purchase his home/business. 2 weeks after his passing, the homeowner's insurance policy was changed in their sole name when the contract states the buyer and seller (Estate) shall both be named as insured under the policy obtained. It was changed without the beneficiaries knowing about it. There was an unfortunate fire that took place. The Executor has kept all of the insurance money for themselves because they feel they own it. Thoughts?

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Alex Esquire

Managing Attorney

Doctoral Degree

22,832 satisfied customers
I have problems with HOA people in the association where I

Hello, my name is***** have problems with HOA people in the association where I am an owner of a condo. HOA has lots of problems with old building. There is a leak in the roof that caused my ceiling collapse. The patched the roof and fixed my ceiling once, but it started to leak again. Basically, the situation requires a replacement of the whole roof. Now, they say that they can't do anything because they do not have money for roof replacement. At this pint my ceiling has big dirty spots and mold smell. I need an advice what my legal actions could be against them and if it will help or not, because they do not have money. Thanks.JA: Because real estate law varies from place to place, can you tell me what state the association is in?Customer: TennesseeJA: Have you talked to a lawyer yet?Customer: No.JA: Anything else you think the lawyer should know?Customer: When I purchased this place a year ago, they told me that they have a law case with roof replacement company. The company put the roof incorrectly and that they will fix problems at the end of the year. (The was no leak at that time, gutters problems out side of the condo) Now, they are saying that they law case is postponed and that they do not know when the roof can be fixed. All communication was in conversation, no writing. Also, I sent several emails about my problems to HOA Board, no writing answer. The manager just informed me by phone that the roof can't be fixed.

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Damien Bosco

Attorney

Doctoral Degree

3,978 satisfied customers
I have a commercial apartment building I would like to sell

I have a commercial apartment building I would like to sell that I own. It currently has a loan. I wanted to ask if the following could be structured.I was thinking to set-up a master lease for the property. We would set-up the master lease that I would retain ownership/title to the property initially.I was thinking to set-up the master lease with the following:* The master lease would provide the lessee the right to collect rents, repairs etc for the property. The title would remain the same initially. * The lessee would pay me 20% down.* The lessee would pay me an amount equivalent to the purchase price minus down payment amortized over 20 years at 8% interest rate. * Monthly property tax and insurance would paid separately to me and held in escrow.Within 3 years the actual sale would occur, I would pay off the existing loan on the property and provide lessee title to the property. I would offer seller financing, but it will be seem less to the lessee as the payments and remaining principal amounts would remain the same. Lessee would take care of the property taxes and insurance on his own at that time. These things will be mentioned in the master lease.I have heard it being done with many other commercial properties. I wanted to ask if you have any concerns using about doing this? Is their any way to have the insurance in the lessor's name?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

54,072 satisfied customers
Story, here's the short version. I live in a house with my

Hi. Long story, here's the short version. I live in a house with my long time girlfriend that is located on the same property as her mother's house. The house has needed a lot of repairs over the past few years of which I personally paid for totaling over about $80K in exchange for free rent. This includes, things like property taxes, property insurance, roofing on a garage, a new sewer line, bathroom overhaul, painting, etc. She now wants to sell the property but has not talked to me at all and I suspect she has no intention or repaying me from the proceeds of the sale. She has been hiding out from me since the for sale sign went up. I intend to discuss the money owed to see if she will even negotiate something. I have a paper trail for most things but do not have any written agreement on terms of repayment. If she decides not to repay me from the sale, do I have any recourse? There's much more to this but this pretty much sums it up.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: CaliforniaJA: Have you talked to a lawyer yet?Customer: NoJA: Anything else you think the lawyer should know?Customer: He husband passed away about 2 1/2 years ago. Most of the agreements were made with him verbally. He was a Marine and very honerable so I didn't see the need for a written agreement. His wife is differnt story.

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Roger

Litigation Attorney

Doctoral Degree

35,032 satisfied customers
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