All Forum Posts by: Cathy T.

She actually showed up for the hearing (which surprised the heck out of me) and agreed that she has not paid rent in a long time. The judge ruled in my favor. She filed her intent to appeal at the last possible minute...and now she has 30 days to actually file the appeal. My attorney says this is a common tactic to buy herself some more time. Great, fine. At least she is paying the court (so far) a weekly amount, which will hopefully be paid to me someday. My concern is this...what are the chances that the appeal court will accept her appeal? What is there to appeal? There is no doubt that she has not paid rent!

And if they accept her case, does that give her MORE months? How long can this go on for? I really need to hear about the experiences of other NH landlords on the eviction process at this point.

(Yes, I have an attorney, but every time I ask a question it costs more money. And the answers are brief, at best. This is my second eviction, but the first to go to court so it is new territory for me.)

Thank you.

My concern is him saying he has no ID. What? How does that work?

Another thought...he might not be the one who robs you when you show up with cash...but his buddy might be hiding nearby. His buddy robs you, and you still owe your former tenant his deposit. Nice.

And yes, that sounds paranoid, but I have heard of similar things happening. People are crazy.

OK! Thank you to everyone for helping me with this. My take-away so far seems to be that a three or four unit definitely does require 3 months reserves, and NOT the "three to six months" that my first mortgage broker stated. And that there MIGHT be some problem with the second brokers requirement for 6 months reserves on my first property...or maybe not! I am going to ask the second broker again to explain this to me, and if she sticks to her guns on it then I will get a second opinion.

Thanks for the speedy reply! I have given up my dream of a three or four unit, so needing even just three months reserves on a new property is not the problem. It's "Am I required to have 6 months reserves on my first property", which works out to about about 9K. I do have that, and more towards the actual purchase of my next property, but it is going to be tight. I am just trying to figure out if my new lender has misunderstood something, or if I am misunderstanding something.

Brief background...I have a duplex where I lived in one part for four years, and rented out the other part. One year ago I moved out, and have rented out both sides. All is going well there, and I have been actively looking for my next property to house hack. I originally wanted a triplex or four-plex, but my first mortgage broker informed me that such a property requires 3 to 6 months of reserves in the bank before being able to get financing for a property with more than two units. He specified that these reserves were based on the PITI of the new property, not my first property. Having limited funds, I scaled back my search to a duplex.

Long story short, I eventually sought out a new broker. (Not related to the above mentioned issue.) My search continues, but now my new broker is telling me that in order to get an FHA loan for my second property (regardless of it being a duplex, tri, or four-plex) I must have 6 months of reserves for my FIRST property in the bank, plus all the usual funds required for the new purchase. My original mortgage broker never mentioned this requirement. I can see that it is a wise idea to have reserves, but is it required? Am I misunderstanding something?

Its really hard to give average rents...every town has good areas...and "not-so-good" areas. Your best bet is a Rentometer search for a specific street that you are looking at, and/or a CraigsList check.

Hi, Michael! And greetings from NH! I only have a few minutes to type right now, but will be back online tomorrow and will check on this thread. I think I can help a little, at least.

More later!

I will be replacing the elderly biscuit-colored tub surround in one of my units. When I bought the house, the tub surround had actually already popped off the wall, and was resting in the tub. I re-installed it three times within a week! I used Liquid Nails the first time, and Loctite Powergrab the second (both versions specifically had the words "tub surround" in the description). I used lots of tape to hold it up for longer than the time suggested on the adhesives. I removed the tape...and both times, within a few hours, it detached, and keeled over, and damaged things on the way down. The third time, I glued that sucker up and screwed the back wall to the studs! I found some small button-like covers to hide the screws, and it has stayed up for four years.

But it is time to remove it and do it right, in white...without screws and covers. I have been doing my reading, and watching YouTube videos in preparation...but nowhere am I finding recommendations for the right adhesive to use on the NON-drywall backing behind the surround. It's a green board of some sort, maybe a water resistant product? I suspect now that the adhesive (both types) was not the right stuff to use on this green board. (Also, I never saw any instructions back then to use a notched trowel, and it does not help that neither the wall nor the surround were perfectly flat.) But I think the wrong adhesive was the major culprit.

I will try to add pictures to this...

I think the pictures say it all. Can someone suggest a really good adhesive for this green board material?

Thank you!

..and depending on the species, they can be LOUD! As in ear piercingly LOUD! And yes, destructive if they can reach anything. Do you know what kind of parrot?

My first thought would be doing something to put a sound barrier between that unit and the unit above. This will cut into your overhead space, but would contribute toward the "peacefulness" of both units and make for happier (longer staying) tenants.