All Forum Posts by: Paul Chen

Does anyone knows a reputable insurance co. in Calif or licensed in Calif that will insure a non commercial rental property for the landlord (myself) who’s tenant has a couple of Chow Chow dogs? Or it will offer my tenant a renter policy to cover their Chows so I won‘t be liable for if their dogs bit someone? so far I’d just checked as a landlord with Safeco, Mercury, a few Farmers agencies and some other agencies that represent others which all said they won’t cover me, however, one Farmer agency sold me a $900 policy and said I’ll be covered which I later scope into the policy coverage that spelled out it doesn’t cover animals and I’d confirmed this with the Farmers district manager office; one of their policy writer called their underwriter. Also waiting for State Farm to get back to me.

I’m surprise that I couldn’t find any solution from the insurance forum here.

Thanks for your help.

Thanks Douglas, for your advises. The tenant did end up paid the rent (in cash) on the 12th after I’d served her the 3 day notice on the 9th; don’t know if she would have pushed her luck if I hadn’t done that, nevertheless she still owes me the late fee of $80 which she said it will be pay with the next month rent, I’d then told her I’d already spent more than $80 onto the attorney consultations fee, gas for 2 trips out to her and 6 hours of my time contributed into this; just to let her know. Though she has realized that she’d breached the rental agreement by letting her brother and sis-in-law moved in without provided me a written request for the approval prior. I’d also pointed out to her, on top of these inconveniences that she’d caused me so far, I still have to live with the consequences that if her brother pass away in the house, under the Calif’s law, I’ve to disclose his death to new tenants and or buyers if it’s within 2 years, though it was not a good time to tell her that, but I don’t know how else to get the point across that I’d to end up with all of such by helping her with this whole thing… another building block added to my experience. Saw 2 eviction attorneys, they both said either I evict them or let it be… I’m just hoping she’ll call 911 when her brother is about to leave…

Thank you all for scoping into this issue further, all the good advises and experiences have broaden my caution, I’ll definitely consult with an attorney who does rentals asap. Hopefully we can find a middle ground, and to ensure I’m not putting myself at risk by letting her brother and his wife stay for 3 months provided they’ll pay the rent on the 12th and this IS going to be the only late pay that’s off so many days.

Paul

Tim,

Not to mention that the county assessor are way behind their reassessing of the lower purchase price that I’d paid for and the decline in nowadays property values (prop. 8); they’re still assessing me base on the previous purchased values, thus overcharging me $1500 in total; escrow was closed on 1/25/08 for one of them; they’d already overtax me back then without seeing any refund that they’d told me which I should have been received it months ago.

Paul

Tim,

Please elaborate “ once you get unconfirmed sick brother in the property it's going to be much worse “.

Thanks

Paul

Mike, those are the conflicts against my moral perspective to begin with; potential legality issues and my own financial situation. Thanks for agreeing with my approach; O. K.’d their staying for her when she‘d first informed me. Will ask her to pay for the $40 attorney consultation fee just to cover any possible unfavorable outcomes for me down the road.

Thanks again,

Paul

More of my tough financial situation that’s forcing me to work with her (within reason); just paid $5500 1st installment property tax for my properties.

Jon: My MTM Lease has the guests clause. I’m hopping / allowing the late rent just for this one time deal. Should I ask for her brother’s diagnose papers from doctor that accompany a written notice from her as per my lease guests clause required when staying more than 15 consecutive days; also stating what’s her solution going to be after 3 months have passed by. Which notice she should have given me for my approval prior to her brother and his wife moved in instead of just verbally informed me after they’d already moved in.

MikeOH: Thanks for the positive input; evicting sick tenants. I’ll check with an attorney as well, as per your advise. They’re paying their own utilities.

Tim Wieneke: She told me that her brother refused Chemo and put himself into the Lord’s hand. But I’ll see if she can come up with his diagnose paper from doctor.

Am I walking myself into a potential mess by allowing them move in for 3 months? Given if the rent is going to be pay on time after this one time deal and she can come up with a satisfy solution after 3 months of her brother and his wife staying. For the benefit of the doubt. Am just trying to avoid the potential rent lost by working with her within reason; 6 more days to tell that if they’re keeping her words for the entire rent plus late fee; before my eviction process starts. On top of this, my other property’s tenant is moving out by the end of this month; looking for new tenant already.

Oh, no! just now realizing another issue… when her brother dies in my property, it’ll lead to the disclosure of his death to the new tenant if it’s within 2 years; California law. I better check with an attorney for this whole mess. Or is this an issue to most of you at all? Or should I just simply say no to their staying?

Thank you for everyone’s helps.

My tenant told me yesterday that they’re only able to pay half of this month rent (was due on 1st) tomorrow and will pay the rest by 12th with its late fee. Though I’d O. K. it but after I’d just found out from one of the previous post here that we shouldn’t accept partial rent due to the delayed eviction timing issue, so instead I’ll tell her tomorrow I’ll give her a 3 day pay or quit notice on the 10th for the entire portion of the rent plus its late fee to just follow the procedure.

She’d also told me that she’d her brother and sis-in-law moved in due to her brother is having cancer (terminal with 3 months remain); sis-in-law no longer have a job; for the reason she wants to spend the remaining time with him. Though I’d O. K. it for her also, will this complicated the eviction process if it needs to be done? Since there’s an ill patient as such in the property then.

Thank you for your helps.

Thanks for all of your advises, it turns out this agent is in the middle of quitting (or being fired) from the current broker and getting in to another; he has been sitting on doc for over 3 weeks (mostly basic REO disclosures that needed to be signed and return to selling agent) that he didn't know how to pull them out of Windforms (Realtor Online Contract data base); asked seller's agent questions about them over and over; lack of REO knowledge (REO Specialist printed on his card) and couldn't care less for his last few clients…

Relayed the facts above (with a little help from the selling agent) in addition to the tangible misled evident to my agent's boss and got only 18 moths worth HOA fee ($810) credited.

Yes, another rookie's lesson learn; just didn't think he would be that much out of line for a major issue like such; considering he's a 72 year old guy with shallow ethic. Well, perhaps I can count on a some help from the HOA if my tenants decided to park their cars on the front lawn besides to let the weeds grown on it?

Just have to make sure I’m going to team up with a reputable agent with traceable success on his/her own for the upcoming property, let along an attorney to overlook the transaction; previous 2 Century 21 agents were young, inexperienced and lazy for my other house bought back in this January; one of those 2 Century 21 even got so many awards displayed by the fancy receptionist front. And just when I thought I’d found this much older / stable and experienced (falsely claimed) one…