Ok the scenario.Recently closed on an investment townhome with a nicely landscaped back patio.......a small but clean little trek deck and some nice pavers that created an attractive useable space.

N1102.2.8 (R402.2.8) Floors Floor framing-cavity insulation shall be installed to maintain permanent contact with the underside of the subfloor decking.

I am working on my rough draft of 3D model designing of the new floor plan to be converted from singlewide trailer into 16x32 duplex houses on the same permanent trailer foundation with deck porches (just demolish entire mobile home to convert into stick-built house) and on the process of signing up my new real estate investment crowdfunding campaign (website) to be posted with my finalized proofreading content with a lot of pictures and video. 

For those of us who may prefer an adult beverage while we talk RE, I checked our Sam's Boat in Silverlake Village yesterday afternoon at around 2pm and they have nice covered deck area where we can chat.

I plan to take out $20k to use on repairs like siding, roof, deck, new drive way.

(I'm very fortunate)At this point, my lender told me I'll need ~80k for conventional financing, (50k for downpayment and 30k to fund the violations repairs upfront), or go with his 203k loan (which will take longer the 30 days that the bank allowed us to get approved) I'm not sure whether to believe him or not, since he mislead me from the beginning.Neither scenario is ideal, my original plan was to purchase the property and fund the repairs over a year-two years time, while I live there.Some of the violations are TLC and easy fixes, other like the deck might require full replacements (I've been quoted 15k)WHAT WOULD YOU PRO's DO?

Grills may not be kept or used on the wooden decks.

. $10k later they are off my back.Three months later…We closed on this duplex in New London a month ago to house hack a bit and live mortgage free.Took me awhile to find an insurance company because of the age/size and style of the property (it’s 5600 sqft, Victorian built in 1900).We ended up going with State Farm.Usual thing happened; guy comes out and takes a look, gives a few things we should “look at”.Tells me about a tree that needs trimming and a set of stairs on the deck needs repaired; no big deal.Two weeks after closing we get a call from SF that we have been “randomly” selected for a 3rd party inspection.Two week after that we get a call from the agent saying we now have 4 things we must complete to include CUTTING said tree down, replacing windows, fixing the stairs and now I have to paint the CEDAR shingles on the garage because only half of it is painted.As you would expect, I took this news very well and only raised my voice with the guy a little.He told me I had 60 days to fix or start the repair and that a letter would be issued on the 20th of August.Silly me, I though this letter would outline what I needed to complete.NOPE, it was a letter from SF saying that my coverage was declined and was accompanied with a refund check for my premium.Turns out that 60 days is from the date when the policy was issued, not the date of this letter.So we are now 30 days into the 60 days repair window and I’m just now getting the information… Oh and that 60 days also include a couple days to insure the agent has time to come out and re-inspect and send it to underwriting.So my 60 day window was actually only 20.Additionally, every time I call them to ask a question, I get yet another list of things I should fix.Stop giving me your opinion about what you think I should do and tell the required recommendations you need me to do so I don’t lose my insurance policy!

I was a General Contractor back in the 00’s Specializing in Handyman type and small construction (Kitchen and Bathroom’s, Fences and Decks).

Check out the pictures of the deck roof!!!