All Forum Posts by: Elsa Hsu

I'm an out-of-state investor in Ohio for a year. Recently, PM suddenly told me that this property needs "lead testing".
My PM is not aware of this I already have 2-year lead certificate from the previous onwer AND assigned an inspector for lead inspection for me. PM told me "the areas that need to be scraped and painted. The cost to remediate is a total of $3,965." !!!!!!! What the!!!!
I have seem other forums so I know lead certificate is not a scam.

I already have a 2-year lead certificate tho. Questions:
1. How to renew a lead certificate as a new owner? I tried to search online to renew but my name is not under this previous certificate.
2. Or any suggestions please?
Will I really get a fine?
3. Why another of my Ohio property does not get requirements from this?

Thanks for all of yours' suggestions!

2 Votes

Cleveland, Ohio

Quote from @Edmond Dantes:

Good evening,
I'm an investor out of state, the owner of a single family home in Cleveland.

My property manager told me that the city of Cleveland has initiated a new lead based paint certification, moreover this certification will be mandatory every 2 yearsIs this true?

The property management company has developed a plan to meet this requirement:

a) cleaning all windows troughs and sills, scraping and painting of window troughs and sills

b) scraping and painting of all previously painted floor surface that is chipping or peeling

c) scraping and painting of any exterior paint that is chipping or peeling including garage decks and house

d) scraping and painting of all exterior door thresholds and jams

Their estimated to complete this pre-inspection repair work is $500.

The certification inspection is $350

City filing fee $50

Property management coordination fee $50

I need to know if this certification is mandatory or not, maybe Cleveland realtor and property manager on Biggerpockets could answer me and clarify my doubts.

Let me know please

Thank you very much

Hi Edmond,
It's been 2 years, how does the lead renewal go?
I'm the new owner of a house in Ohio and the previous owner had a lead certificate but due in a few days.
My PM is not aware of this and assigned hired an inspector. PM told me "the areas that need to be scraped and painted. The cost to remediate is a total of $3,965." !!!!!!!

I already have a 2-year lead certificate tho. How to renew as a new owner?
Or any suggestions please

1 Vote

Quote from @John Thedford:

I posted in another forum about these people. Long story short: conventus has turned over servicing to shellpoint. Shellpoint has repeatedly cashed my checks (which were on time EVERY MONTH) and continues to fail to properly credit me (even though coupons were enclosed). I have told shellpoint to NOT CONTACT ME AGAIN VIA EMAIL AND TO USE CERTIFIED MAIL ONLY. They are a debt collector. If they continue to harass me via email (for payments I am not delinquent on) do I have any legal recourse against them and conventus. shellpoint is their agent so am I correct in believing they are responsible for the actions of shellpoint? I have emailed keith tomeo and jared repeatedly asking them to get this resolved and so far--crickets (except for keith trying to sucker me into a new loan stating the problem would be resolved). WHAT A JOKE. If shellpoint cannot credit me properly now, how in the heck would a new loan fix anything. The only net result I can foresee is another extended prepayment penalty and more interest for conventus. Anyone got any suggestions who I can report them to? Possible bring a suit against both of them? I CANNOT TAKE IT ANYMORE FROM THESE PEOPLE>

Hey John

I have issues with Shellpoint and no one can help. They suddenly lost my insurance information and now said couldn't collect my monthly mortgage.
I also found out they gave me two different loan numbers!!!!!

The worst part is No One answer thru emails and phone doesn't work for me (the auto system said my information is incorrect).
Feel super helpless and doesn't know what to do.

What did you do with Shellpoint?

0 Votes

Quote from @Mae Galang:

How was the $27,500 determined? I would ask around and get quotes on how much (cost-wise) damage was done. What state are you in?

I live in CA. I should hired my instructor to fix it but not go for insurance (since I didn't have insurance at that time).

0 Votes

Cleveland, Ohio

Quote from @Mae Galang:

How was the $27,500 determined? I would ask around and get quotes on how much (cost-wise) damage was done. What state are you in?

The insurance company counted all of the labors, such as moving stuff in, moving this out, or prep time.

0 Votes

Cleveland, Ohio

Hi BP family,

This is my first time dealing with this issue and it was a good lesson to learn how important to buy house insurance.

Issue:

Last October 2023, a pipe under the floor leaked from my upper condo unit to the downstairs unit causing damage to the neighbor's kitchen.

My condo was paid off, so little did I know, I didn't buy an insurance policy at that time (failed). So I don't have an insurance company to fight for. My neighbor's insurance company claimed $27,500 for my negligence.

I paid a lawyer $6500 to negotiate with the neighbor's insurance company. After a year, my lawyer negotiated a settlement offer for $17,000 which is 40% lower than the original price.

Should I keep negotiating it or this is a good deal?

Thank you all in advance for sharing your opinions :)

Elsa

1 Vote

Cleveland, Ohio

Quote from @Phil Petite:

Quote from @Jordan Ray:

Quote from @Phil Petite:

Quote from @AJ Singh:

@Phil Petite

I am concerned that no rent received in January did not result in you filing an eviction on Feb 1.

Did you have January rent reimbursed as credit on the escrow settlement ?

Was the property disclosed to you by seller as having paying tenant in place ?

We filed for eviction last week, it is a long story, but I feel as though and I know that I waited too long.

We did have the January rent reiumbursed as a credit, but it was a lie, as the previous owner did not actually receive the prorated portion of the rent for January (or December 2023, for that matter).

Yes, property was disclosed as having a renter in place paying $1250/mo.

Wow

Yeah! It seems pretty evident that some fraud was committed by the seller.

I might have a resolution by 4/1, but if it goes any further, then I'll pursue legal action for sure.

Hey Phil

I'm kind of in the same boat as you.

I made a mistake and forgot to ask the seller for rent history so I started the eviction process and the official eviction date is May 1st.

However, the EDEN housing (section 8) contacted me to give me options. EDEN would like to pay me the previous 4 months' rent but I have to fix issues all the little issues in the house, such as fixing hole on the wall, changing the battery for the smoke detector....).

Haven't made a decision yet to accept this offer

1 Vote

Memphis, Tennessee

Quote from @Cathy B.:

For the condo mapping plan, its likely part of your closing documents . . . if you can't locate it, consider reaching out to the title company that prepared your file for the sale. The ones that I've seen are in plan only, so I don't know if they go into detail on the vertical separation part . . . its possible that its in the wording and not a diagram like the condo plan part.

Thanks for letting me know where to find these documents.
I guess I had never read it when I bought the condo!!

0 Votes

Quote from @Chris Seveney:

@Elsa Hsu

Typically pipes under your floor are not your pipes they are either part of the common area or the unit below you even if they still go to your unit

Review your condo / hoa docs

Thank you Chris.
I pulled out condo docs and studying page to page every night now lol

0 Votes

Quote from @Alison Brenner:

I never thought I would say this to another landlord but you may be lucky that you are in the State of California. First, get a copy of your CC&Rs and then review the Davis-Stirling Act. I highly recommend contacting an attorney because the HOA may be the responsible party.

Generally speaking, Davis-Stirling views plumbing that is not accessible from the interior of a unit as HOA property. I'll use my washing machine drainage pipe as an example. I am responsible for maintaining the part of the pipe that is located above my subfloor. The area below my subfloor is considered a common area and the HOA is responsible for maintaining the portion of the pipe located below my subfloor. In other words, if the drainage pipe breaks resulting in water intrusion, responsibility for the damage is assigned depending on where the pipe burst.

California's insurance crisis is taking a toll on HOAs. Pushing back will require a skilled attorney with knowledge of HOA law. I have a great real estate attorney but he's expensive and doesn't specialize in HOAs. If you can't find an owner-friendly HOA attorney (most represent HOAs), shoot me a PM and I will share his contact info. Best of luck!

Thank you so so much, Alison.

This is my darkest time in 2024 and you gave me hope.
I'm in the process of contacting an attorney and reviewing the Davis-Stirling Act.

I will give you an update if I fight it successfully! Thank you again!

0 Votes

All Forum Posts by: Elsa Hsu

Elsa Hsu has started 4 posts and replied 17 times.

Post: Lead certification in Ohio

Post: Has Cleveland initiated a new lead based paint certification?

Post: Conventus Lending in SF And Shellpoint Servicing? ONGOING TROUBLE

Post: Lawyer negotiated 40% down of claim

Post: Lawyer negotiated 40% down of claim

Post: Lawyer negotiated 40% down of claim

Post: Need Some Help/Advice - Tenant in Place and Not Paying

Post: Insurance company charged me for 30k and Seeking Advice

Post: Insurance company charged me for 30k and Seeking Advice

Post: Insurance company charged me for 30k and Seeking Advice