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All Forum Posts by: Catherine Javier

Catherine Javier has started 28 posts and replied 96 times.

Quote from @Ned Carey:

@Catherine Javier You wrote:        "There was a contract, I have not signed it yet"

i would say honor our agreement or I will not pay the 25%.  Without a contract I don't think the contractor has much ground to stand on as far as collecting the 25%. On the other hand you don't have much ground to force him to finish. I would just move on with a new electrician. 

Is it fair if you wind up paying more in total by using another electrician? No. But does that matter? No it is just one of the risks of real estate. 

Hi @Ned Carey and @Dan H.thanks for your input..
Was reading the contract and it seems like both parties did not sign any contract. Will that have any effect on our situation?



was the retiring for the bathroom and kitchen in the original quote or did you have a scope change? If it was in the original scope my answer applies. If it was a scope change, you should have received a 2nd quote for the scope change-"Quote says main house, I asked him to assess the attic and the panel but he said 'i think I'll know what i'll see in the attic'. No second quote was given. He kept circling back to the email that I told him that there was no active knob and tube. Which I said initially but then corrected myself that it is active per inspector, also through email. I also sent him an inspection report. 




By the way try to avoid change of scope. The price is virtually always more than if it was included in the original scope of work.  - Thank you so much for this tip. These simple things are very helpful. 



Quote from @Dan H.:
Quote from @Catherine Javier:

Good day all, asking for your expert opinion on how to deal with this situation....

We did a 1031 and bought a small SFH 720 sqft with converted garage- unpermitted (350 sqft). We have a Bonded/Insured electrician that was referred by our trusted GC (he also uses this electrician for his properties). Lots of things needed to be done: we want a subpanel for the converted garage, Some Knobs and tubes needs to be removed and rewired, put exterior light and outlet. I asked him to assess the attic so he can see knobs and tubes and he said "I think I know what I'll see there". He quoted us $10,400 We chose him because he was a referral although we asked several electricians for quotes. Initially was asking if this was negotiable as I wasnt sure if knobs and tubes were active, and he said he can lower it if its not active. Eventually I reached out saying it is active after speaking with inspector and that we'll move forward with the price he set.

Our GC is working on the crawlspace and advised us of several things: 1. There were wires hanging in the crawlspace that were unsafe and that it needs to be stapled in the joist, 2. The Subpanel that electrician installed was already used 3. was missing some parts/faceplates etc. and the front of the home didn't have power and so as the ADU.

I was upset and texted him about these things and we'll order an inspection since it looks like he is cutting corners.  By Tuesday Jul 29, he said we can order inspection and everything is settled. Electrical inspector will be available 8/9.

8/1/25 We checked the ADU, the subpanel was changed to NEW one, but more outlets in Kitchen and bathroom (all GFI) are dead. We told him about it and he said that the entire house was knobs and tubes and he will need another payment for that. At this point I dont want to hire him anymore, we paid 75% of all the fee. I talked to him on the phone and said that the quote itself says change Knobs and Tubes to cut and rewire. He is saying that the entire home is Knobs and tubes and it would cost double a lot of money, a lot of work.

I honestly do not want to pay the remaining  25% since the quote said to take care of the knobs and tubes and fix all, now he is asking for money for the kitchen. I just dont think it is fair. want to ask your opinion on how to deal with this?

He just keeps going back to the conversation we had saying "you said knobs and tubes are inactive" which I eventually said it is active after talking to the inspector and even sent him the inspection report. 

There was a contract, I have not signed it yet... Please advise.

Thanks a lot!


 I unfortunately do not always follow this one myself 100% but hopefully you got the initial quote in writing including the work to be performed.   

I am only hearing your side of the story but from the description you are correct that he should be completing the job he signed up to at the price he quoted.  

Separate from that,  1) there is no excuse to use a used subpanel without getting
permission 2) there is no reason not to properly secure hung electrical wires (on the attic floor I am ok if they are not secured) 3) that there should not be missing cover plates.   I recently replaced a vent fan and somehow ended up without the junction box cover (long story on what can go wrong when training the handyman crew).  It is minor flaw in the attic, but it is not correct.   We did a trip to unit just to replace the junction box cover so that it is done right.   

Good luck


 Thanks Dan. And yes I kept the estimate, email and text. The estimate says "Remove and rewire knob and tube wiring in the main house". From my understanding that includes that entire house. Any advise on how we can handle him? I was thinking to email him that I am not going to pay the remaining balance unless everything is corrected... then again he was asking for money for the rewiring for the bathroom and kitchen... 

Good day all, asking for your expert opinion on how to deal with this situation....

We did a 1031 and bought a small SFH 720 sqft with converted garage- unpermitted (350 sqft). We have a Bonded/Insured electrician that was referred by our trusted GC (he also uses this electrician for his properties). Lots of things needed to be done: we want a subpanel for the converted garage, Some Knobs and tubes needs to be removed and rewired, put exterior light and outlet. I asked him to assess the attic so he can see knobs and tubes and he said "I think I know what I'll see there". He quoted us $10,400 We chose him because he was a referral although we asked several electricians for quotes. Initially was asking if this was negotiable as I wasnt sure if knobs and tubes were active, and he said he can lower it if its not active. Eventually I reached out saying it is active after speaking with inspector and that we'll move forward with the price he set.

Our GC is working on the crawlspace and advised us of several things: 1. There were wires hanging in the crawlspace that were unsafe and that it needs to be stapled in the joist, 2. The Subpanel that electrician installed was already used 3. was missing some parts/faceplates etc. and the front of the home didn't have power and so as the ADU.

I was upset and texted him about these things and we'll order an inspection since it looks like he is cutting corners.  By Tuesday Jul 29, he said we can order inspection and everything is settled. Electrical inspector will be available 8/9.

8/1/25 We checked the ADU, the subpanel was changed to NEW one, but more outlets in Kitchen and bathroom (all GFI) are dead. We told him about it and he said that the entire house was knobs and tubes and he will need another payment for that. At this point I dont want to hire him anymore, we paid 75% of all the fee. I talked to him on the phone and said that the quote itself says change Knobs and Tubes to cut and rewire. He is saying that the entire home is Knobs and tubes and it would cost double a lot of money, a lot of work.

I honestly do not want to pay the remaining  25% since the quote said to take care of the knobs and tubes and fix all, now he is asking for money for the kitchen. I just dont think it is fair. want to ask your opinion on how to deal with this?

He just keeps going back to the conversation we had saying "you said knobs and tubes are inactive" which I eventually said it is active after talking to the inspector and even sent him the inspection report. 

There was a contract, I have not signed it yet... Please advise.

Thanks a lot!

Post: Orlando Condo limiting STR by HOA

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19
Quote from @Tyler Gibson:
Quote from @Catherine Javier:

Hello everyone! I need your expert opinion on this property. 

We have a 2 bed 2 bath furnished condo in orlando. We bought it 2021 august for $182500, placed down 20% and will pay for 15 yrs. We use it as short term midterm rental 3-30 days and we earned $80000 for 2024. Mortgage with hazard is about $1550 @ 2.25% per month very affordable however HOA is getting steep at $415/month. Recently, the HOA saw our ads in Airbnb and wants us to remove our listing since HOA bilaw indicates they only want 6 month minimum listing. Most of our guests are from airbnb, some from furnished finder. The HOA does not know about the furnished finder platform. With this kind of situation, with HOa limiting us with renting our property, should we just sell it? Or keep it?

We really love this property, very safe, good neighborhood! However, we want to hear others opinion.

We have other Airbnb in Orlando, non HOA and it is really wonderful! Non restrictive! Should we just invest in Washington where we currently live?


Thank you in advance! All your info will be appreciated!


Where in Orlando specifically? If you are in Orange County, then you are breaking the law with stays less than 7 months. If you are in Osceola, Lake, or Seminole County, then the regulations and rules fall to the city and then the HOA rules. If you continue to violate the HOA bi-laws, they will start to fine you. If you continue, they could seek further legal action. Here in Florida, HOAs have the legal power to foreclose on your property.

I am guessing that the agent you used to buy did not specialize in investing in the area, or they would have guided you to other options where you can legally rent short-term. 

Selling condos in Florida is tough right now due to the increased HOA fees and assessments that many communities are experiencing.

It may be worth keeping if it still works as a long-term rental. If it doesn't, then you may want to explore selling.

If you have a great interest rate then you might want to consider doing seller wrap mortgage sale. You could create passive income this way and it would make your listing stand out against all the other condo listings here in the area. 

Only 1% of all listings offer seller financing so doing a seller wrap makes your listing better than 99% of all listings on the market simply by offering it. 

 It is in Orlando, so Orange County.

I did not know about the HOA can foreclose. We bought it as our personal home initially and then we started getting intrigued with real estate and air bnb

Post: Orlando Condo limiting STR by HOA

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19

Hello everyone! I need your expert opinion on this property. 

We have a 2 bed 2 bath furnished condo in orlando. We bought it 2021 august for $182500, placed down 20% and will pay for 15 yrs. We use it as short term midterm rental 3-30 days and we earned $80000 for 2024. Mortgage with hazard is about $1550 @ 2.25% per month very affordable however HOA is getting steep at $415/month. Recently, the HOA saw our ads in Airbnb and wants us to remove our listing since HOA bilaw indicates they only want 6 month minimum listing. Most of our guests are from airbnb, some from furnished finder. The HOA does not know about the furnished finder platform. With this kind of situation, with HOa limiting us with renting our property, should we just sell it? Or keep it?

We really love this property, very safe, good neighborhood! However, we want to hear others opinion.

We have other Airbnb in Orlando, non HOA and it is really wonderful! Non restrictive! Should we just invest in Washington where we currently live?


Thank you in advance! All your info will be appreciated!

Post: Keep, refinance or sell?

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19
Quote from @Eric Fernwood:

Hello @Catherine Javier,

This is a common question, Whether to keep, refinance, 1031, or sell. I created the following decision tree diagram to illustrate the decision process (click to enlarge).


The above decision process is based on the property’s performance record, with the goal of achieving financial freedom in mind.

Financial freedom is not just replacing your current income. It's about having an income that will enable you to maintain your current standard of living for life. This requires a rental income that meets the following requirements (click to enlarge):


Where to buy? The markets that can help you achieve financial freedom (see the Dependencies above).

Thanks Eric! This is useful for a newbie like us! Appreciate you!

Post: Keep, refinance or sell?

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19

Thanks Dave! So for a Qualified intermediary, I see that you are, does location/state matter? And what are the fees! Thank you!!

Post: Keep, refinance or sell?

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19
Quote from @Bonnie Low:

I'd sell if I were you. 1) I don't like HOAs and certainly not for STR or MTR 2) the numbers don't make sense for you to invest in a big kitchen/bath renovation 3) it doesn't look like it's appreciating very well. You don't necessarily need to invest in WA in order to be closer to home. WA is not a landlord friendly state, but if you are going to invest in WA, the eastern side has some hot spots like the tri-cities area that may yield good cash flow and appreciation and still be close enough for you to go there when you need to.

Thank you@Bonnie Low this is very useful. Now O will research about these tricity you mentioned!

Post: Keep, refinance or sell?

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19
Quote from @Benjamin Aaker:

From your options, #1 is a big sink of cash and I can't tell how much that increases you rent. #2 is a no due to cash flow negative. #3 is the way to go. HOAs cause a lot of headaches for investors as their mindset is usually different. That's another reason to sell.

@Benjamin Aaker Thank you for your input!

Post: Keep, refinance or sell?

Catherine JavierPosted
  • Investor
  • Posts 96
  • Votes 19

Thank you @Jonathan Greene
we changed the driveway because of the cracked cements of driveway cause by the tree roots. Hoa said that we need to change/repair driveway otherwise we will be fined. 
We also had just a recent problem with plumbing due to tree roots. Hoa does not allow us to cut the tree though. They said it needs approval from city.


we appreciate your thought! 

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