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shawnrealty · 2 months

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Co-buying First Home (Benefits and Things to Consider)

Co-buying? A possible solution for young people to own a home in the current high interest rate and price environment. Please share with your young friends and family members! Thanks for your support!

Listen to Shawn Realty Podcast Watch Shawn Realty Podcast Buying a house with friends, also known as co-borrowing, can be an attractive option given the current housing market challenges. With home affordability at an all-time low due to soaring prices and interest rates, it’s increasingly difficult for individuals to purchase homes on their own. Co-buying with friends presents opportunities…

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#Co-Borrower #Co-buying #CoBorrower #CoBuy #Solution to high home price

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paricharak · 3 months

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Discover premium commercial properties with Paricharak Builders and Developers. Find your ideal investment opportunity today. Buy commercial property with ease. Explore our listings now!

#buy coBuy Commercial Property - Paricharakmmercial property - paricharak

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spearboy · 1 year

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Hell or shang

#sega #cobuis #reddit #moto #anpredicestory #network #neil gaiman #ramadan #figure skating #quackity

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cobuis · 1 year

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Https www.ancentnie.slack.comnotarobot.business@domion.comcompanyname.onelogin.comFlutter

#cobuis #moto #anpredicestory #reddit #network #neil gaiman #figure skating #ramadan #quackity #aaaaaaaaaa

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thefloridarealestatespecialist · 2 years

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Is Co-Buying Right For You?

For some buyers, purchasing a home independently may be out of reach. Co-buying is an alternative approach to homeownership where two or more individuals purchase the property together and take on a joint mortgage. Get to know the benefits and drawbacks of co-buying before deciding whether it’s right for you. How Does Co-Buying Work? Just like a traditional home purchase, lenders use the buyers’…

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#CoBuying

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heavyweightheart · 6 years

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I took your advice and brought up the articles I read to my partner, while trying to include encouraging language and affirmations of love. She dismissed the articles as “feeling like bullshit”, told me she’s on a meal plan and not a diet, reiterated that she wants to get back down to a size 18 so she can shop without feeling like shit, and said “you just want me to stay fat for you”. I really don’t know what to do or say now. (1/3)

I do have a preference for larger women, but I do my best to keep that in the bedroom where it belongs. It also hurt to hear her giving in to the fashion industry after she talks all the time about how shitty it is. She also admitted that she’s been on several diets before throughout her upbringing, which can’t have been good for either her body or her body image.

Is there anything I can - or even should - do? I want her to feel good about herself without constant self-monitoring, but that just seems impossible from the corner I feel like I’ve boxed myself into. Despite her continued affection for me, I can’t help but feel like I’ve overstepped some bounds. (3/3)

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i’m sorry sharing the articles didn’t go well! disordered eating and body-size preoccupations can be very to hard to break out of; the prospect of giving up attempts at “control” may be terrifying for her. i’m assuming you put the resources out there in such a way that she can return to them if/when she’s ready. but she may never be.

really tho, the bottom line here is that she is her own person on her own path, with final authority over her own body & behaviors. it seemed to me in your previous ask that the main issue for you wasn’t aesthetic but health-related--as in the risks to her mental health, risks of dieting and weight cycling, and risks to the health of your relationship. that third piece especially is on your side of the boundary fence, and that’s where you have agency. how does it affect you to be in relationship w someone who approaches food & weight this way? i encourage you to process and to communicate that over time. as i said previously, i-statements are totally within your rights to make! you are one half of this relationship, w your own needs and vulnerabilities. you can’t control her, but you can’t protect her from the fact that she doesn’t act in an interpersonal vacuum. i don’t go near body preferences lol but it sounds like there’s something worrisome happening for her there, a kind of objectification bind. moving your affirmations toward non-physical aspects of her self and your shared connection could make her feel that her decisions about her body are more free. the disordered patterns she’s suffering from are only in part about her body, and maybe in small part. at issue are much deeper questions of worth, autonomy, safety, meaning, lovability, and so on.

again i wish you all the best w what will probably be a difficult, long-term process of coming to place that is healthy for you both x

#cobui

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propertiesbyjaco · 5 years

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Co-buy property in order to save on costs. You can always buy out the other party’s share later on. . . . #property #kemptonpark #house #townhouse #cobuying #coliving #cheap #option #realestate #realestateagent #youragent (at Kempton Park, Gauteng) https://www.instagram.com/p/B0VoaXKA5Fx/?igshid=13dehj4b2k44j

#property #kemptonpark #house #townhouse #cobuying #coliving #cheap #option #realestate #realestateagent #youragent

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ladykdesigns · 3 years

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Getting a new snap of one of my favorites 🔥🔥🔥 @deedeewashere . . . . . . . #streetartphotography #nyc #graffiti #tag #streetartnyc #urban #art #wheatpaste #pasteup #artist #streetart #photography #citylife #soho #lifeinnyc (at SoHo, New York) https://www.instagram.com/p/COBUi-6neRp/?igshid=17whqmj008g6l

#streetartphotography #nyc #graffiti #tag #streetartnyc #urban #art #wheatpaste #pasteup #artist #streetart #photography #citylife #soho #lifeinnyc

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raraivy · 5 years

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“'Forbidden'? Is that what they're calling my chapter?” - Queen Eclipsa Butterfly 🦋☂️🔮

I cosplayed Eclipsa from Star vs. The Forces of Evil at SakuraCon 2019

The dress and hat were made by @saffronian

📷: @cobui

#eclipsa cosplay #eclipsa butterfly #star vs the forces of evil #svtfoe #queen eclipsa butterlfy #queen eclipsa #sakuracon2019 #sakuracon2019cosplay #svtfoe season 4 #plus size cosplay #plus size cosplayer #svtfoe cosplay

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sonofavet · 3 years

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#MIDCENTURY #BRUTALIST NIGHT STANDS JUST IN (at SON OF A VET THRIFT SHOP) https://www.instagram.com/p/CObUI-qgWvv/?igshid=1u9l357eehfhp

#midcentury #brutalist

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afroanticsplanner · 3 years

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Guess what, the magic is already in you 🪄🪄🪄 #microhappynotes #plannersofinstagram #onmydesk #lovemyplanner #blkwmnplan #blkwmncreate #blkwomenplan #thehappyplanner #plannercommunity #plannerbabe #plannersociety #happyplanning #creativeplanner #plannerstickeraddict #plannerinspo #plannerobessed #plannergoals #plannerfun #plannerpeace #plannerinspiration #junkjournaling #livingcreatively #plannerfun #microjournaling #plannertribe #calledtobecreative #afroanticsplanner https://www.instagram.com/p/CObUI-MpWCy/?igshid=pwlxuzd0ycl1

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v-bluebird-f · 4 years

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Role of the stress response and the endocannabinoid system in Δ 9-tetrahydrocannabinol (THC)-induced nausea

submitted by /u/Cobui [link] [comments]

from Reddit Science https://ift.tt/3pVHI46

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dcmetrorealestateinvestorsb-blog · 4 years

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Faced with rising home prices and student loan debt, some cash-strapped millennials are teaming up with friends to purchase a home.

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un-enfant-immature · 5 years

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Fractional home ownership startup Divvy raises $43m series B to build a path from rent to purchase

There is no more important savings asset for most American families than owning a home, but the dream of ownership has turned into a nightmare. Homeownership, which peaked in 2004 at around 70%, hit its nadir after the global financial crisis, reaching 63% in 2016 according to data from the St. Louis Federal Reserve bank.

While the reasons behind the decline are numerous and complicated, one point of friction is the extreme homogeneity of mortgage products available to consumers, which mostly revolves around the government-backed 30-year-fixed mortgage.

Divvy has ambitious hopes to offer consumers an alternative that is more tailored to middle-class Americans who might not have sterling credit, perfectly reliable incomes, or single jobs that are often key aspects of traditional mortgage underwriting.

The company’s product offers a path for homebuyers to transition from renting to ownership over three years. Each month, a part of the rental payment made to Divvy (generally around 25%) is added to a future down payment to buy the home outright. After three years and assuming all payments are made, Divvy’s customers are able to migrate to other mortgage products such as the 30-year-fixed.

Divvy’s model has already attracted the attention of Andreessen Horowitz, where partner Alex Rampell led the $10 million series A round into the company.

Divvy, an interesting new fractional home ownership startup, just raised a Series A round led by Andreessen Horowitz

Now, the company announced today that it has raised a $43 million series B round of venture capital from Singapore’s sovereign wealth fund GIC, which has about 10% of its more than $100 billion in assets in real estate, along with Lennar, the $13 billion revenue home construction company. Divvy is a spinout of HVF, the startup studio founded by Max Levchin.

Besides equity capital, the company has raised more than $100 million in debt since its founding, bringing its total funding to nearly $200 million all in.

Adena Hefets, who along with Brian Ma co-founded the company and is its CEO, explained that the company is focused on middle-class Americans who have been locked out of the traditional mortgage system. “Our customers have, on average, about $4,000 saved up in the bank, about $60-80,000 in income, and generally have about a 635 FICO score,” she explained. “It’s usually a couple settling down, they have kids, … they’re going through a life event like that.” Divvy is still live in its original three launch markets of Cleveland, Memphis, and Atlanta.

Divvy Homes CEO Adena Hefets. Photo via Divvy Homes.

In the past few years, a bunch of startups have emerged to target the mortgage space. As Extra Crunch guest writer Daniel Wu described it earlier this year in his massive analysis of 200 housing-related startups, companies like Point, Loftium, Kabbage, Provito, Homevest, CoBuy, Zerodown, Flyhomes, and more are all targeting expanding the funnel to homeownership.

Market map: the 200+ innovative startups transforming affordable housing

Hefets says that she welcomes the competition but believes that Divvy has a unique focus that sets it apart. “For us, the mission is really important to be serving those who I think most benefit from access to ownership and who most struggle with it.”

That’s partly why Hefets wanted to work with GIC and Lennar as her Series B leads. “I like to just talk to folks and surround myself with folks who are experts,” she said. GIC and Lennar “I would probably argue have more traditional real estate knowledge than most folks on the Divvy team, right? We bring the technology, but surrounding ourselves with the right real estate experts is super important.”

Ultimately, Divvy hopes to empower 100,000 new homeowners and expand to new markets outside of its original trio of launch cities. “So the way I see the future of Divvy is we’re not just going to be a place where you go to get just purely a rental, but in fact, we’re going to be a complete bridge into homeownership,” Hefets said. She noted that Divvy wants to go beyond just financing to figuring out other friction points to homeownership like preparing taxes, handling maintenance and other services.

#TechCrunch

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cathrynstreich · 4 years

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The CoronaVirus Virtual PropTech Boom

While, yes, a lot of companies are reeling as the economy grinds to a halt — that doesn’t mean all of proptech is struggling.

One of the obvious byproducts of COVID-19 is virtual showings, open houses, staging, 3d tours, and floorplans–not to mention anything video related–finally have their moment in the spotlight.

That said, it’s still an unknown whether such services will be permanently pushed from “nice to have” to “need to have” once socially distancing is behind us. All the tech in the world isn’t going to change the fact that most homes that are transacted are purchased by buyers who lives in the vicinity and can easily drive to see the home in person. And, if they can drive to the house prior to spending hundreds of thousands of dollars and committing to 30 years of payments, they will. However, maybe the big lasting change will be consumers realizing they don’t have to look at every home in person–saving both agents and buyers considerable time.

Among those members represented in the Geek Estate Mastermind, a few companies well-positioned to capitalize on the urgency socially distancing has created:

Asteroom: 360° tours created by attaching their Pano Kit to your phone. Learn more.

FloorPlanOnline: creates virtual tours, 2D and 3D floor plans, 3D RoomPlanner tools and videos for real estate properties. Geek Estate Offer // Learn more.

Padstyler: offers virtual staging and 3D architectural rendering, alongside services many other real estate marketing services. Learn more.

PlanOmatic: a tech-enabled service company that provides high-quality professional photography and floor plans for real estate, nationwide. The company serves real estate agents, property management companies, single-family rental owner/operators and iBuyers. Learn more.

REveo: A tool that connects real estate agents and homebuyers in a single click from any screen, LIVE – sans any apps to download —no tech, just a single click. Mastermind Showcase // Learn more.

WellcomeMat: helps make video the center of the real estate consumer experience by maximizing the value of video for agents, brokers and brands. Learn more.

Another category that is poised for growth is anything the helps people tour properties (both for sale or rent) without being subjected to other people. While many cities are locked down entirely now and no one is touring properties, this sector will gain substantial momentum as lockdowns end and buyers and agents are still practicing socially distanced ways to conduct showings. Two companies from this sector represented in the Geek Estate Mastermind are:

Kleard: a fully integrated cloud-based solution providing real-time visitor verification for open houses and showings to increase safety and helps prevent crime. Learn more.

Knock: A leasing experience redesigned with smart locks. Renters tour apartments by themselves, whenever they want, no agents on-site, no scheduling. Learn more.

Beyond that, I also believe CoBuy (job losses will mean more people have to find budget solutions) as well as Remarkably (more analytics for multifamily operators/landlords can only help as marketing spends are slashed) will both emerge stronger.

What sectors of the industry are you most excited about right now?

The post The CoronaVirus Virtual PropTech Boom appeared first on GeekEstate Blog.

The CoronaVirus Virtual PropTech Boom published first on https://thegardenresidences.tumblr.com/

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clarencevancleave · 4 years