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All Forum Posts by: Cristin Andrews

Cristin Andrews has started 12 posts and replied 62 times.

Post: Harris County (Houston, TX) - Landlord Policy options?

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30
Quote from @Martin Renneberg:
Quote from @Cristin Andrews:

Hi - sorry just seeing this today. I've sent you a PM


 Did you get anywhere on this?  I just got a renewal and the policy went up 67%, makes it hard to consider continued ownership of the property.


 I sent you a PM

Post: Houston contractors ? Paint / Wood floor repair recommendations please

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30
Quote from @Lucas Hunt:

Hi Cristin, for this sort of thing I use a smart phone app called Thumbtack (it's basically Uber for any sort of contractor). Just type the line of work that you need into the app along with your zip code and you will have several contractors at your fingertips. They usually get back to you within an hour and most of the time I'm able to get the work done same day. Hope this helps :)

Thanks Lucas - I'll look into this app

Post: Houston contractors ? Paint / Wood floor repair recommendations please

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30

Hi. I'm looking for investor friendly good, reasonably priced contractors to fix a water stain on a wood floor (I do have replacement wood on hand) as well as paint the interior of the house to get it back on the market quickly. My usual guy isn't available. Zip code 77095

Thanks in advance. 

Post: Harris County (Houston, TX) - Landlord Policy options?

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30

Hi - sorry just seeing this today. I've sent you a PM

Post: Homeowners Insurance for Rental Properties in Houston Area: Need Provider or Agent

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30
Quote from @Federico Marsico:

Have you checked out Obie Insurance? They are an investment property niche insurance provider


 I'm in Houston Harris county and Obie told me they aren't writing landlord policies in Houston anymore. 

Post: Harris County (Houston, TX) - Landlord Policy options?

Cristin AndrewsPosted
  • Rental Property Investor
  • Houston, TX
  • Posts 66
  • Votes 30

I've been using State Auto for my Landlord policy which is due for renewal in January. State Auto sent me a note that they are no longer covering these types of policies but Safeco would be happy to sell me a policy for 5900 a year (previous was 2200). I've been shopping around with brokers and have tried Obie and Steadily and those told me that they have no providers currently writing Landlord Policies in Harris County Houston TX.

Can anyone advise if they have also run into this and if they have found  a solution? If I go with the 5900 policy I will be operating at a loss and I will be forced to sell the house. 

Any other options people can think of?

Thanks in advance. 

Quote from @Konstantin Ginzburg:

@Cristin Andrews

I think it might be a good idea to find an alternate property manager. Screening tenants is a crucial part of being a property manager and if your property manager only uses the 3x multiplier rule; that is a huge red flag. If the property manager is lacking in this crucial system, it would not be surprising if they are lacking in other aspects as well. Unfortunately, one common scam that is used by PM's now is to put a poor quality tenant into the property intentionally since PM's often collect either the full months rent or half a months rent to start the lease. Placing a poor quality tenant that would need to be evicted and replaced would allow them to collect an additional full months rent during this replacement. While I am not suggesting this is what your PM is doing, placing a tenant with a clear red flag that you described is very troubling. 


 Hi - I would have thought that might be it but the contract with the PM included free replacement if tenant had to be evicted within the year of placing them. I think they were just lazy about it and/or the daughter of the actual PM took care of it and messed it up. She is apparently the one that handled their application and met them face to face - not the PM. But the daughter works for her so not sure if she is also a PM or just training or just an admin

@Jonathan R McLaughlin update is they weren't interested in Cash for keys since they just moved in and the baby was due end November. They have paid rent for past two months on time but I am concerned about possibility of using the place as grow house as they installed a security system (without asking first but called after and claimed they didn't know they were supposed to ask first even though it is in lease until renters mom supposedly told him) and replaced all of the outdoor screens with black solar screens.  I'm managing it myself right now since the PM landscape here is pretty bleak. 

I did find out that they are both working for his dad's family home remodeling company. So that 90K that PM verified he was making through his employer is probably not real. 

Thank you all for the advice. I have terminated the PM and am considering my options now. 

Quote from @Colleen F.:

@Cristin Andrews   I won't say your guy isn't a criminal but I wouldn't rely on patch or your local paper for criminal checks.  The level of reporting these days is abysmal and someone with 20 open warrants well if they are out 10 were probably failure to appear.   I would however check what your PM is using for background check because it didn't pick up this arrest or they should not have rented to him.  Other possibility is he committed fraud on the application.  


I did go and reference the local criminal records after seeing this report and there were indeed a lot of things pending and some that had been discharged. At a minimum it is a clear sustained pattern of poor decisions. My PM said for criminal background they only screen for felony judgements via a background service. She claims I am being discriminatory. She said they qualified otherwise via credit and jobs.