All Forum Posts by: Enes A.

I'm still trying to picture in my head how combining a 2 unit into a 1 unit makes you lose light. Essentially making 2 into one is mostly a situation of just taking down dividing walls, unless you were changing interior partition walls which probably required a permit then so why not just do it then?

In any case, well that depends on your risk tolerance level. If you know what you're doing adding an exterior window is generally child's play in construction terms, especially if your walls are opened up and they're framed instead of masonry. If you don't know what you're doing you could seriously compromise your roof and the framing structure in that area, which is why you generally need a permit. You also generally have restrictions & qualifications depending on where the window is - if it's very high up from the ground, you might have to use a certain glass or the window might have to be a certain height. If it's in a basement area there may be size requirements for egress or light. ETC. 

What you are risking can't be answered because it depends on where you are. Some places will make you rip everything out, fine you, and make you start over. Some places won't care unless someone complains. Some places won't care at all. As far as risk management, if you did this and didn't know what you were doing and someone got hurt later, and sued you, once your insurance company found out you did it without permits they wouldn't defend you. 

I recently found a lot of land that I have under contract and I have a contractor on standby. My question is, once I secure a commercial loan to build or get monies from Hard money, after its is built and rented, has anyone had luck or know that there are banks out there that will do a 30 year note with fixed rate on a Duplex that is an investment property?

The current bank I am talking to says that the commercial loan to build will be a 20 yr note and I just want to be sure that there are banks that will loan me money afterwards on a 30 yr note so I can refi out cash and BRRR this. Thanks for you help.

While the chemical burn may go deeper than just at the surface I would still think this could be repaired. Even concrete floors can be cut and polished, so with the correct tools to cut the surface back I'd assume this could be repaired as well. It may take polishing a large area so the 'low' spot isn't visible, but I believe it is at least do-able. Counter installers do essentially the same thing when they cut sink openings and then polish the resulting edges for an undermount sink.

 No, I'm not. The natural stone is actually QUARTZITE, not quartz. A good quality quartz, which is natural stone plus a binder, has a lifetime lifespan. It will yellow slightly over time, but it's still pretty much lifetime. People take it out because they get tired of it or they mistreat it and damage it. 

It's basically a lifetime surface unless you damage it. It doesn't wear like laminate.