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All Forum Posts by: Ky Ha Vu

Ky Ha Vu has started 1 posts and replied 3 times.

Hello!!!

So I've been on BP for two years now. Not as motivated as some since it took me 2 years.. Kind of difficult to buy a house since I was under Sect 8 with my family in California. Worked hard in college, graduated, moved out of Section 8 and bought a house in June of 2018!!!! Also took my parents out of Section 8 since I felt that it was time...

The landlord whose house we used to rent from... She is trying to deduct from the deposit. I know that California is tenant-friendly and has laws regarding reasonable wear and tear. Owner is trying to make us pay for two garage clickers (one I lost, second is broken). Owner can definitely charge for the lost clicker but she can't charge for the broken one, right?  She's also requesting that we configure the new clickers. I'm all for walking away and just letting her deduct the $50-odd amount BUT I also want to stand my ground. She was a landlord from hell. We really have no obligation to the house since we moved out July 31st... I'm all for taking her to small claims court but is there a way to settle this outside the courtroom? The deposit is not that much but it's my dad's money. My dad won't stand his ground because he's non-confrontational. 

How would you guys+ladies (CA landlords, especially!) best advise I approach this situation?

thank you!!!

Post: Getting a loan without a job

Ky Ha VuPosted
  • Westminster, CA
  • Posts 3
  • Votes 1
Mortgage Banker here: To qualify for a loan, you need two years of continuous income. Your wife can be on the loan, you title only. Self-employed individuals have income they write off -underwriters can verify and put those write offs back to increase the income/decrease the debt-to-income ratio. Loan products can't be structured if DTI is too high, which might be the case here. Please PM me if you have more questions.

Post: Ask away any construction related questions.

Ky Ha VuPosted
  • Westminster, CA
  • Posts 3
  • Votes 1
Hi Darren! Just wanted to say thank you for sharing your knowledge with the BP Community! I am so ecstatic to see someone on this forum who's residing in pretty much the same vicinity! I am reading through your responses and keeping a lot of what you are saying in mind. Greatly appreciate it, Darren! Wishing you continued good fortune on all your present and future endeavors! KyHa